23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquiries XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

There is a cell phone repair company, XXXX XXXX that no longer exists. I have a recurring charge on my Chase Sapphire Preferred Card for {$6.00} a month. I am not sure when this business went out of business, but they no longer exist. The XXXX location I orginated the recurring charge at ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ) does not come up on XXXX. I called the phone number available on the door of the shop on XXXX XXXX  and it is out of service. I've called the NY location as well, to no avail ; it seems the whole company went under. 

Chase has helped me by refunding the charge in XXXX. At that point I asked if they could block the merchant. They said they would look into it. However, you can see I was still charged in XXXX and XXXX. I recently called again to dispute the XXXX charge which they refunded. Chase says they can not block the merchant and that I must be issued a new card number to block the charge, which would require me to change all the payment information I have at other businesses and monthly bills.
Product: Debt collection

I received a settlement offer letter stating a deadline of XX/XX/2021. I contacted Synchrony yesterday XX/XX/XXXX, but was told that was no longer an option.
Product: Money transfer, virtual currency, or money service

I tired to pay my student loans on Edfinancials website but they keep on reversing my payment even when it was the correct information as they only ask for a routing number and account number as they havent been super helpful on helping me pay my student loans. I have kept trying to pay but it seems they dont understand that the info that is provided to them is correct as I called my own bank if Ed financial even attempted to take money out as they said they have not tried to and told me to talk to a customer service representative to see what is going on as when I did that they just keep saying the same thing which is not helping me to pay for my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

i previously financed a car which was repossessed and resold in an auction which still shows a balance on my credit also " closed/paid '' and still reporting late payments to all 3 credit agencies, ive submitted multiple request to have account deleted the company doesnt respond
Product: Mortgage

I sold my house on XX/XX/2020. I attempted to stop the auto draft for the payment on XX/XX/XXXX, by notifying Dovenmuehle that they were not authorized to charge my account. They charged it anyway, despite the loan being paid in full during closing. They owe this payment back, totaling {$1900.00} After closing, they also owe my escrow refund in total of {$5700.00} The total amount owed to me is {$7600.00} I have made multiple calls to Dovenmuehle regarding these refunds and no progress has been made. I have still not received checks, over 30 days out of closing. Dovenmuehle claims the checks were made on XX/XX/2020, but here I am on XX/XX/2020 without any check. 

Every time I call, there is a new excuse as to why.
Product: Credit card

I paid my credit card bill on XX/XX/year> with my debt card but before I paid it I ask was I in the automatic system she said no so I paid my XXXX dollars then the system took out another XXXX dollars on XXXX they refuse to refund my money
Product: Checking or savings account

Hello, I am a candidat from an employer company that delivery deposit for employement> I would like to looking at some occur expense to take into my account. This charge is frequently and not dispose the time automatically for charge out. Then, I suppose too not from my expense of statut ( XXXX ). 

I m stunned because a high amount was take out. And wish to address this subject. Because don't be sure to active this amount to out. 

Appreciate it XXXX
Product: Debt collection

I had XXXX in XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, MO. After paying more than half of the costs, I set up a payment plan of {$280.00} per month that started in XXXX XXXX XXXX. After I moved, from XXXX to XXXX, and changed jobs, the automatic payments stopped in XXXX XXXX XXXX. I wasn't aware and once I noticed the issue in XXXX, I immediately paid {$280.00} on XX/XX/XXXX. I then set up a new payment plan of {$230.00} per month that started on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX ( after the payment and payment plan ) that I had been turned over to CBE collections. I was making payments and had a plan. I don't understand how they could turn me into collections when that was the case. I have had multiple questionable interactions with the billing department of XXXX XXXX XXXX and saw numerous references to questionable billing practices about XXXX XXXX in XXXX reviews. Thank you.
Product: Mortgage

On the date of XX/XX/XXXX received a certified letter stating that I have a Notice of Intent to Foreclose. It stated this was for non Payment of Portage for XXXX and XX/XX/XXXX.I immediately contacted Their loan department and did make a payment. I informed the customer service representative that i was not aware of any non payments. I have been on automatic withdrawal ( ACH ) since I purchased this property, over 13 years. I have never missed a payment. The automatic withdrawal discontinued without my knowledge and i would like to know why. I have notified my bank and they are unaware of any stop payments. They also stated that it would have had to come from the department who is in charge of all ACH withdrawals. I asked to have this situation to be rectified immediately so it will not have any negative impact on my credit. 
I personally called the Rep at the Mortgage company, and asked what happened. I was then informed by the rep, " don't you check your bank account? '' I replied, " I don't need too, i don't live paycheck to paycheck, i know what is in my account. '' I was also informed in a separate letter that I will be having approximately XXXX dollars a year added to my mortgage payment for " mandatory flood insurance '' if i don't get it within 45 days from the date of the letter from another company. I do not believe it is lawful to mandate " flood insurance '' especially since i never signed up for this upon the original purchase contract of my home. 
To make it worse, the company sent me an offer via email to purchase my home cash for {$38000.00}. It is my belief, that the mortgage company initiated the reversal of my electronic payment, sat on it, for two months. All in order for me to default on my home and them to offer me {$38000.00} for a buy out. This in unethical, unlawful, and this has occurred with other companies such as XXXX XXXX XXXX, and they were held liable financially. The company also lowered my credit rating due to their negligence.
Product: Debt collection

NATIONAL CREDIT ADJUSTERS is actively/fraudulently reporting to XXXX  & the credit agencies a debt that I do not owe. NATIONAL CREDIT ADJUSTERS purchased a CLOSED collection account from XXXX XXXX. XXXX XXXX reported the closed account balance as {$1500.00} before selling/ transferring the account to NATIONAL CREDIT ADJUSTERS ... NATIONAL CREDIT ADJUSTERS has now duplicated the original CLOSED XXXX XXXX ACCOUNT # XXXX And reported this 5 year old closed duplicated XXXX XXXX account to XXXX  as a new/recent collection account. This is a blatant credit reporting of misinformation. NATIONAL CREDIT ADJUSTERS is Knowingly.willfully and recklessly reporting false information to purposely damage my credit. REPORTING LATE PAYMENTS ON A CLOSED ACCOUNT IS A VIOLATION. NATIONAL CREDIT ADJUSTERS REPORTING THAT {$1500.00} IS PAST DUE -IS A VIOLATION. ONLY THE ORIGINAL OWNER MAY REPORT A BALANCE. NATIONAL CREDIT ADJUSTERS RE-AGING THE ACCOUNT IS A ABSOLUTE VIOLATION. NATIONAL CREDIT ADJUSTERS PURPOSELY REPORTING INACCURATE INFORMATION TO DAMAGE MY CREDIT is also a violation. I will not allow NATIONAL CREDIT ADJUSTERS to use these illegal bullying practices against me. I will share my concerns with the Texas Governor in a written complaint along with recording a complaint with CFPB. I hope to save other unsuspecting consumers from silently endearing this illegal coercion and bullying tactic from NATIONAL CREDIT ADJUSTERS. I will pursue my rights to hold NATIONAL CREDIT ADJUSTERS accountable for the companies deceptive malicious tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Credit reporting or other personal consumer reports

My consumer rights are being ignored and violated. I have tried to resolve with the company but to no luck. I am attaching how I feel my rights have been violated with the dates and verifications to have this resolved. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account # 1234, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase linked to my email XXXX. I had to move out of the US and lost my 2 factor authentication through my phone. I have been trying to recover my account through identity verification, but the system keeps failing. I have been in contact with the company 's horrendously bad customer support to get access to my account. They have repeatedly sent me the same link and same nonsensical procedures that fail over and over again. At this point my patience has run out and I would like to lodge an official complaint with you about Coinbase 's dishonest customer support. Please help me to get access to my account.
Product: Mortgage

I have 16 loans that were originated by XXXX XXXX XXXX serviced by Fay Servicing. Ive never been late on my payments or anything like that. I always pay them diligently on time every month. My loans have a 15 day grace period and if the 15th falls on a weekend or a holiday, theyre due the next business day. In XXXX, I went online to make the payments the 15th fell on a Saturday and the Monday was Presidents Day so I went in on Tuesday to make the payment and I saw all these late fees added on to the loans. I called Fay Servicing and I asked them for assistance and they said they were based in XXXX and they dont believe that XXXX XXXX is a holiday and they were not willing to remove the late fees. I tried emailing in, escalating but they wouldnt budge. I didnt know what else to do, so today I said I better just make the payments and continue looking for a solution. I tried to make the payments today but the online system would not accept the payments, I called in and they told me there would be default interest of about $ XXXX per loan. As I have 16 loans that would put me out of business. I really dont know what to do, if you look in my history I always pay on time and I really need some help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was scammed, and was talked into giving the scammers my new credit card number. The scammers promptly charged up the credit card almost to the credit limit, which was {$25000.00}. I asked the company to investigate why the credit limit was set that high for a new card and new customer, and why I was told for two months that I had no debt before they started charging me {$24000.00}. I also asked them to investigate how it is that the scammers knew to specify that I open that particular card, and whether there might be somebody at the credit card company colluding with the scammers. The company just responded that because I had given out the number, it was implied consent ; they didnt make any response to the above concerns.
Product: Credit reporting

I have a public records listed in my credit reports that are inaccurate and incomplete such as a bankruptcy that Equifax is reporting. The Federal laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me only yo return stating it has been verified without any proof. I have a letter from Federal Bankruptcy Courts and XXXX stating that they Do Not report to the credit reporting agencies but yet they come back saying they have verified it with them.
Product: Credit card or prepaid card

I have a XXXX XXXX of XXXX XXXX XX/XX/2022, Applied for Capital One Venture X credit card. But my application was denied. It says that Capital One made the decision on the basis of XXXX. I contact XXXX and they says that their data inputs were favorable. Next day, I applied for XXXX XXXX XXXX credit card and they accepted my application. It seems that Capital One is not very transparent in terms of application processing. Attaching denial letter from Capital One, Email with Experian and acceptance letter from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter that sent to CREDIT BUREAUS.Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again., Please remove the UNATHORIZED items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy XXXX U.S. Bankruptcy Court Filed on XX/XX/XXXX Reference number : XXXX
Product: Credit card

In XX/XX/2021 we purchased a couch at XXXX XXXX XXXX and signed up for a by now, pay later, XXXX interest if paid off by a due date installment loan. This loan was processed through Synchrony Bank. Synchrony Bank is now attempting to charge additional fees for mailing the monthly statement to my home address and stating that they can do so because they converted the installment loan to a credit card without my permission... also when I called to resolve this issue they claimed they can increase the interest rate regardless of the installment loan agreement. 

If this is a credit card why did they not provide me any plastic?
Product: Credit card

Credit card application was without my consent. 
I went to the dental clinic and didnt even get any treatment from them but 2 weeks later I received a credit card which I didnt consent to get. 
Please remove the account from my credit report and close my account immediately!
Product: Credit reporting or other personal consumer reports

I have submitted a dispute to my credit bureaus on XXXX  for verification and accuracy of the bankruptcy entry appearing on my credit report. In the dispute I have also requested for them to respond to me in writing and to include the method of verification under FCRA611 ( a ) ( 7 ). This should include the following.

1.The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse.

4. Which document you obtained to verify the bankruptcy.

The response was Investigation Results-Verified as accurate with no further specifics.

I had also wrote a letter to the court for verification and they specify that the U.S Bankruptcy Court neither put a bankruptcy on my record nor credit report which is clear they do not report to any credit bureau for that matter. To their initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA 611 ( 15.U.S.C16811 ) and the Information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since XXXX XXXX, I have been unable to retrieve my credit report and score. Even when I pay for it, The different entities informed me that they are unable to retrieve my credit report. I have reached out to Equifax on numerous times regarding this issue, but no recourse. I have received nothing but lies, and continued lies. They tell me that they can see it, well, yes you can, youre Equifax! All I want is to be able to review my credit report, along with which ever entity I give permission. I have waited and worked with Equifax for more than a year. I think thats long enough for them to make this right. I now, turn to you for help, to resolve my concerns. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX XXXXXXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXXXXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Retail Account/Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions