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

I have reached out to all three credit bureau 's to thoroughly investigate everything that is listed on my credit report. Each one is showing inaccurate information, dates, amounts, and different credit scores. Some accounts are listed more than once. Example XXXX consumer has me listed that I was in good standing then it states bad standing. So which one is it either I paid on time or I didn't it can't be both. Not only that a consumer pulled a hard inquiry in XXXX without my consent which is against the law. I have disputed all these things for the past XXXX to XXXX years now. So this is the next step for me to do. No one should have to go through this.
Product: Credit reporting or other personal consumer reports

DELETE THESE INQUIRIES, PLEASE 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 The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Coinbase account was Hacked on XX/XX/2018. About {$6000.00} in coins was stolen from my account, {$10000.00} was stolen from my checking account and several thousand dollars of unauthorized charges was made to my credit cards. I have called coinbase several times, emailed them 3 times with no results. I am unable to gain access to my account, their support personnel are not help helpful. It's been 2 months since the hack and I would like the situation straightened out. Assuming my account was the only one hacked, why is it taking so long to fix my account and return my stolen funds and coins. The company, in my opinion, has stolen a great deal of money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called XXXX XXXX. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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 XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

see attached, We have never received any response and it has been delivered. With proof.
Product: Credit card or prepaid card

Hello, I am having a problem with Capital One. I had called them mid XX/XX/XXXX to advise I would be late on that payment and to ask if they would reverse any late fee as a courtesy as I 've always been on time. The CSR I spoke with I believe was XXXX advised me to call back after the payment had been posted and the fee ( {$27.00} ) would be reversed. My payment is due on the XX/XX/XXXX of each month. I made a {$50.00} payment on XX/XX/XXXX. I waited a few days and it had not been removed. I called once again on or around XX/XX/XXXX and still no credit. My account would have been current with payments. Once again another call made and I spoke with XXXX. He told me that someone " would look in to it '' and get back to me. I told him that all I wanted was what the first rep assured me would be done and that late fee would be waived. Instead they just keep piling on fees and this is becoming very frustrating and upsetting. I 'm XXXX years old with health issues and feel they are just practicing very poor business skills. I made my XX/XX/XXXX payment on time ( XX/XX/XXXX ) for {$50.00}. Now, the automated system is telling me I owe {$100.00}!!! It should be {$47.00} due for the month of XX/XX/XXXX. At this point I feel I 'm facing a losing battle with them. Just keep racking up deceptive fees. I 've always made payments on time and have tried to resolve this over the phone to no avail. Please help me. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXXand XXXX XXXX XXXX  XXXX. I have attached a copy of the ID Theft Report with this complaint. The report number is XXXX plese review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX, has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

15 USC 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. 

XXXX XXXX XXXXXXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Debt collection

The company is reporting a debt on behalf of another medical service provider without a proof of my ownership of debt. The debt they have marked as Dispute state, though in my opinion there is no dispute that I do not owe this debt. Yet, they have reported to credit beureus as Collection, hurting my credit score and credit worthiness. 

In fact a credit card application was rejected solely due to this reporting causing me enormous irrepairable financial loss. 

The fact is the debt is not valid. It seems to show one bill from 6 years ago that the original provider XXXX XXXX, that they claim I owe. The fact is that I was in hospital between life and death situation. Hospital was directly coordinating all care for me without my knowledge and approval of each procedure. I had not authorized XXXX XXXX  any money to be directly charged to me or ownership of such procedures. All bills over half a million were processed and paid by my Insurance company for many other providers. What transpired and why their bill was not paid is beyond my knowledge. There is no proof that they provided this service to me or I authorized by me. Nor I know whether they submitted to insurance and got paid or not paid or rejected due to what reason. All I know is I have paid everything whatever insurance has been telling me I owe. If insurance did not tell me I owe to this provider, the bill is not legal. 

THIS DEBT COLLECTION MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

The reason I am sending this complaint was to inform the Experian and XXXX Credit Bureaus that I am truly expecting that the Bureaus will fully remove these FRAUDULENT INQUIRIES within 15 days that I will be updating my credit reports : EXPERIAN : 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
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to Experian to update/remove personal information that is incorrect. On XX/XX/XXXX, I sent a letter to Experian requesting they update and remove incorrect personal information. It has been more than 30 days since I submitted this request and after reviewing my credit reports on several occasions the incorrect personal information still remains on my credit reports i.e. previous address. I also called Experian on XX/XX/XXXX to once again have this personal information removed and the agent assured me that it would reflect on my report with 24-48hrs. It has been almost a month and the incorrect personal information still remains. This is creating issues with applying for lines of credit as lenders are using invalid addresses and personal information hence incurring personal suffering in the form of not being able to secure small business loans.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and this entry is unauthorized. 
The following account must be blocked and deleted immediately : XXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$00.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in fraudulent activity on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following account from my credit file : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is not in compliant, see attached documents that is sent. Sent CFR 1006.34c, the dispute letter, it was sent directly to PRA , On this Date XXXX XXXX PRA received this XXXXetter pre'se CFR 1006.34c, Portfolio Recovery is required by the FDCPA to produce all the disclosures in your law. Portfolio Recovery has not provided any disclosure which is a violation of 12 CFR 1006.34c, so this now leading me to believe that Portfolio Recovery is above the Federal Law, above your laws, which is not the case. Furthermore, Portfolio Recovery didn't use the Model Form B1, and its requirements and its new law the FDCPA Which was updated XX/XX/2021. On Numerous occasions Portfolio Recovery Associates did not provide the required disclosures to me, Portfolio failed to provide any disclosures. they failed to use the Model Form b1 and they not response to any dispute I sent properly, Making representation about unsubstantiated debts failing to review the required documents to support the claim, not showing any proof that i actually owe any alleged debt, Portfolio Recovery Associates attempts to collect on unsubstantiated inaccurate debt pressuring with false statements, states incorrect balances, interest rates, and payments due dates in attempting to collect, thats it. just want to collect without first conducting any investigation to determine whether the debt were accurate and enforceable. This why I am Making a complaint with the CFPB because PRA inability to follow the law for Portfolio thinking they are above the law and furthermore they have been noncompliant and they have no regards for the laws, so this is whhy I am writting you the CFPB regarding this Matter
Product: Debt collection

XXXX FAILED TO PROIVDE PROPER NOTIFICATION WITH " CERITIFED MAIL '' NO RECEIPT WAS PROVIDED SHOWING MY SIGNTURE AS REQUESTED. PLEASE DELETE Account # XXXX ASAP OFF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my credit score has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX  XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are large companies allowed to lie about derogatory reporting data to credit bureaus without proving their case? I proved my case with the bureaus and STILL they allowed XXXX XXXX  XXXX XXXX to dinged my record for a 30 days late. My payment history also tells the truth, never late for 10 years in business with XXXX, but thats not worth anything to these companies?!? Its wrong that large companies like XXXX can affect credit scores without PROOF of late payments and credit bureaus refuse to hear both sides automatically siding with big business and NOT induvial working class?!? Look at my payment history and do your job in finding the actual fault! 

Also, why can credit bureaus offer a better score if you pay them money? My credit score should stand on it own and NOT be manipulated by credit bureaus for PROFIT! These companies have the power over my financial records and are allowed to operate for profit margins, how is that legal? What government agencies are getting kickbacks for allowing this unconstitutional behavior? This is criminal
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still being hit with a hard inquiry from XXXX XXXX from XX/XX/2017 on Equifax and XXXX. XXXX had agreed to remove this as this was fraud. I never applied for anything from that and I am unaware why this is still on there. 

I am hoping this hard pull comes off as promised.
Product: Vehicle loan or lease

Note : Account was completely satisfied with Creditor. See notes below : GM FINANCIAL : Account # XXXX Account Type : Auto Loan Date Opened : XX/XX/2013 Account Status : Closed Payment Status : Charge-off Balance {$5900.00} -Account settled for {$1500.00} Original Balance : {$33000.00} Past Due Amount - $ XXXX Account Settled for {$1500.00} Terms : 77 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address, and employer to my credit report. it is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Debt collection

HEALTH CARE COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX AZ, TURNED IN A NEGATIVE REPORT TO THE CREDIT BUREAU FOR A MEDICAL SERVICE THAT I HAD INSURANCE FOR. I WENT TO HAVE A XXXX  DONE AT AN IN NETWORK FACILITY THAT MY INSURANCE RECOMENDED, THIS FACILITY USED AN OUT OF NETWORK XXXX, WHO BILLED ME FOR {$1400.00}. I CONTACTED THE FACILITY THAT PERFORMED THE PROCEDURE AND THE OFFICE OF THE XXXX, BUT THEY STILL TURNED THEIR BILL OVER TO A COLLECTIONS COMPANY AND MESSED UP MY CREDIT
Product: Mortgage

A few months ago, a hail storm hit our area and the area was designated as a disaster area. I had to come out of pocket XXXX to cover the deductible for repairs and inquired with Freedom Mortgage about potentially getting assistance in the form of a forbearance. I soon received a document that said I was auto-approved and my account was put into forbearance. I didnt have enough information about what it meant for me to even approve this is what I needed or wanted. Freedom Mortgage pushed me into forbearance without full disclosure or agreement. Also, my account was placed under a Loss Mitigation status, which is collections or delinquent. I received a call today from a collections agent that had no idea why he was calling me. My account is fully paid each month and never late. The agent opened the call saying that I was due for the XXXX payment. Its not even due yet. The agent could not explain to me why they auto approved a forbearance nor could he explain why Freedom Mortgage told me that I dont have to make any payments until the forbearance period ends. The agent was focused on collecting a payment for something that wasnt due. It felt like the agent was just calling to tell me my account status was in loss mitigation and I had a payment due, which is unfair to me and deceptive. The practice of auto approving the forbearance without fully disclosing and educating me on what that means seems like an abusive policy. If I were to have followed Freedom Mortgages direction and not made my payments, I would have been significantly behind and could have lost my home. Im very confused and frustrated. I dont think as a XXXX combat veteran that Freedom Mortgage had my best interest in its forbearance process/policy.
Product: Vehicle loan or lease

I saw that my daughter is being sued for the remaining balance for a car loan. The vehicle was repossessed in XX/XX/year>. My daughters name is XXXX XXXX. We were not notified that the vehicle was sold and only learned about the remaining balance when it was placed on our credit reports. 

Neither of us are working so we have no income to pay you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and can not work, and is awaiting XXXX. 

I suffer from XXXX XXXX XXXX  and have been XXXX  XXXX  since last year.
Product: Credit card

Bank of America has not recognized any of the fraud claims I have sent to them in the past 5 months and thus right now they owe me XXXX dollars including the current fraud claim on my credit card. If they fail to recredit my credit card and pay me the total XXXX, I will take this case to small claims court.