23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is with great frustration and bewilderment that I address the handling of this issue by your bureau. The account in question is with XXXX XXXX XXXX XXXX, bearing the account number XXXX and an open date of XX/XX/2020. Astonishingly, despite being the victim of identity theft, and despite the corrective actions taken by other credit bureaus, your bureau continues to report this account incorrectly. I must emphasize that the other major credit bureaus, have promptly acknowledged and rectified the inaccuracies related to this account. However, I am deeply puzzled and annoyed by the persistent reporting errors on your end. I want to make it explicitly clear that your bureau lacks sufficient information to verify the accuracy of the XXXX XXXX XXXX XXXX account. As such, continuing to report this account without validation is not only erroneous but also a violation of my rights as a consumer. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Money transfer, virtual currency, or money service

My money has been stolen via a crypto platform I used to trade crypto currency. There are a lot of details but I'll get to the point. 

I use Trust Wallet to connect to the trading platform ( XXXX XXXX XXXX This is where I buy/sell crypto and withdraw funds. Most recently, I went to withdraw my funds from XXXX - XXXX. I was told by XXXX customer service that my funds have been successfully withdrawn from the platform and are now stuck on the blockchain. In order to release the funds from the blockchain, I had to pay a fee. After paying the fee, the XXXX customer service has stopped responding to me. My funds are no longer in my account. I have a total of {$970000.00} in the account. I have no idea where it is or who has it. 

I filed a complaint with Trust Wallet but they have not been any help or even offer a response whatsoever. I already filed a complaint on IC3 as well. 

I have many screenshots of conversation with the ledgiit.com customer service. I also have wire transfers receipts. I have sent this to Trust Wallet and so far they have not provided adequate responses, do not respond at all, and has not offer any details of the investigation and/or any other assistance.
Product: Mortgage

RE : XXXX XXXX XXXX XXXX XXXX XXXX Circle, XXXX, Fl. XXXX SPS Account Number # XXXX CFPB Complaint Number : XXXX In reference to the above complaint number SPS states XXXX my Escrow account has always been short. Which is not true. A simple way to see is for SPS to remove all the XXXX XXXX they added onto my account since XXXX. Therefore, I am requesting SPS to provide a Annual Escrow Account Discloser Statement. One the XXXX XXXX is removed we can then go over the numbers that show that at no time I have ever been short on my XXXX Account. The only time I would look like if I am short is due to SPS adding XXXX XXXX. 
That way SPS can show me on the XXXX XXXX XXXX where they seem to think that I am short! Because this is simple math. 
So, lets go over the numbers quick. For example, for XXXX the total taxes are {$2000.00}. Now you take that amount and divide it into XXXX payments, that comes out to {$170.00} per month. Now adding Principal and Interest which is a total of {$560.00}. The total for the month would be {$730.00}. So why would SPS charge me $ XXXX When they should have only been charging me at {$730.00} a difference of {$48.00} per month. According to SPS the total amount for the flood XXXX would have been {$1800.00}. So, if SPS would have only charged me {$730.00} that would have covered the Escrow Payments for the taxes. So if they charged me the extra amount it was due to SPS adding XXXX XXXX. 
So like I said, SPS has to remove all the Flood Insurance that they have added since XXXX so everyone can have a clear pictures of the situation that SPS does not which to return the money, been adding to my account since XXXX. So that we can have a clear understanding of accounting and show SPS once and for all that they are incorrect and to stop beating around the XXXX and refund me those original amounts,
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a total loss vehicle, it was being paid by gap and insurance. I was the cosigner on the vehicle. There was XXXX left on the account. Capital One charged it off, I never recieved a letter or a phone call about this. When I did find out I contacted my insurance and they had sent the last check to the wrong place and it was quickly resolved. Now my credit is ruined. I have disputed it with the company three times and the credit agency 's. The credit agency 's are reporting it as XXXX was the charge off which is inaccurate, it was XXXX which I disputed but they are still saying thats what capital one reported. I have submitted to you documents showing this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any late payments or any missed payments. Yet TransUnion and XXXX minus points off my credit score constantly. Recently one took XXXX points off my credit score and the other XXXX points off my credit score stating something about my XXXX 's charge which had been paid off XXXX before they took the points off. The amount on the XXXX 's XXXX wasn't even due let alone late or missed! What is going on? Ever since the pandemic started both National Credit Bureaus are crazy with constantly making up reasons to take points off my credit score. The credit bureaus are weaponizing my credit score against me for no reason. I have two charge cards at the moment XXXX 's and XXXX XXXX and both are paid off. How do I get the National Credit Bureaus from harassing and trying to intimidate me? What Federal Agency over sees the credit bureaus?
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files. 
Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. 
ACCOUNT : XXXX XXXX XXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be updated to PAID AS AGREED IMMEDIATELY AS I WAS NEVER LATE FOR THIS ACCOUNT. XXXX even has this information correct, as it reads PAID AS AGREED for XXXX of 2022 on their consumer report. Failure to do so may constitute willful non-compliance in this matter.

I have experienced great emotional and financial hardship over this illegitimate late payment as it has inhibited my opportunity to refinance one of my mortgages amongst other things.

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid off for over a year but its still showing up as a delinquency although paid and closed. I also received a credit back from XXXX  XXXX XXXX. This is keeping my score from moving forward which is keeping me from things I need to be a productive part of society. Please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I ended up finding out several weeks later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact, I had an XXXX credit score! Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports but I have not received my reports from XXXX and Advanced Resolution Services even though I have ordered them at least 3 times since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX SC, XXXX SSN : XXXX DATE XX/XX/XXXX [ Transunion ] Dispute Department XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Subject : Dispute and Request Verify Accounts, Violation of XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding inaccurate reporting on my credit file, specifically pertaining to accounts listed above. This will be my 2nd attempt to resolve this matter. I have no knowledge of these creditors nor have I authorized any accounts with them. In my previous correspondence I requested verification and with these accounts not being verifiable my consumer laws are now being violated. Not only were these accounts opened due to identity theft, I have no knowledge of these accounts, or any affiliation with these creditors. Its inclusion on my credit report violates ( USC ) 1681, which governs the fair and accurate reporting of consumer information. I have no knowledge of this account or have given any written consent. Furnishing Identity theft accounts further violates the FCRA, specifically 15 USC 1681 C-2. These accounts being reported are severely impacting my ability to obtain new lines of credit. Your company has a legal obligation to ensure the accuracy of the information being reported.I kindly request that your company immediately complete the investigation into the fraudulent accounts and remove them from my credit report as soon as possible. I also request that you remove all addresses that I have no affiliation with. The only address that should be on my credit profile is listed above. 
Thank you, YOUR NAME XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report from your agency and was shocked to discover inaccurate and unauthorized information that is severely impacting my creditworthiness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon thorough examination, I have identified the following fraudulent accounts : 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 I categorically deny any association with the aforementioned accounts, and I request an immediate and aggressive investigation into the matter. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the timely correction of inaccuracies on consumer credit reports, and I expect your bureau to adhere to these regulations with utmost urgency. 
I am fully aware of my rights as a consumer, and I am prepared to take further legal action if my concerns are not addressed promptly. Please treat this matter with the utmost urgency to prevent any further damage to my creditworthiness.
Product: Mortgage

I have received your response to our complaint that we issued against NationStar Mortgage 's ' handling of our mortgage account  XXXX   XXXX  ) and request for mortgage assistance.   Just to clear up any confusion, we are still in the same position ( we did not receive any help ), but was approved for a modification that would increase our payments. This is nothing but a distasteful joke as we can not afford current payments because of the present  one income, nevertheless the payments are running behind and instead of easing the burden while our income is much lower, our payment have increased an HOA dues in the amount of {$5800.00} are due. I have contacted Nations Star  and a represented tried to explain and then transferred the call and I was transferred again.   As of  XXXX   XXXX ,   XXXX  , I call requesting to speak with a supervisor, but was told none were available, but if I was " calling about the mortgage assistance, there is nothing a supervisor could do because your escrow is short ''. In essence ; our payment increased because we are running behind, Is this an answer to helping mortgage consumers? This is only doing what mortgage companies would need consumers to do, which is pay more to catch up, there is no need for modification when it turns out this way. What more do I need to do so that we could get help with our mortgage?   Today,  XXXX   XXXX ,   XXXX   I called and spoke with  XXXX  at  XXXX   XXXX   XXXX   XXXX , who answered the call in the Bk department. Our designated person to speak with has not return my recent phone calls. I express to  XXXX , the modification was unacceptable and we could not accept the present terms, also someone keeps placing collections notes on our door to call the mortgage company although we are behi nd TWO payments, although this can add up, this collection method is demeaning and unnecessary. Lastly, the HOA dues needs to be address as quickly as possible. Our attempts to resolved these matters with Nations Star has fell on deaf hears. Nationstar 's ' violations and penalties is not without concern as we have seen this spill over and affect our ability to communicate and resolve any financial issues.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$76.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file ; the items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission, and I have also enclosed copies of the federal trade commission 's identity theft affidavit. Delete the items as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX : XX/XX/ XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

I had a recurring payment on the credit card due date for a set amount. CAPITAL ONE decided to give me a past due fee anyways. I called, and I was able to get the fee waived as they said it was not supposed to be there. Even with the waived fee, they bumped my minimum amount due for the next month to DOUBLE. I called, and was able to talk to a supervisor ( superviser XXXX, I believe ). She told me " That's just how we do business ''. The way capital one conducts business is to hide fees, and then lock you into set payments once you find those fees. I should not have had a late fee to begin with and now they are locking me in to a payment I do not want to make this month given financial circumstances.
Product: Checking or savings account

I have direct express which I can't access my online banking for cars correct email and password reset email not received I called they said they would call me in five days I just want my online account closed due to privacy concerns I already receive paper statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been advised by my credit card companies that my credit score ( usually over XXXX ) dropped significantly in XXXX, XXXX, as reported by Equifax and XXXX. On checking my scores, they seem to have dropped by approximately XXXX points in a single month. I have checked my credit reports with both companies and have no issues that would have caused such a drop. 

I did get within {$500.00} of the {$5000.00} limit on one credit card - unusual for me- but that's the only factor I can see that might have caused the drop in my score. Again, that amount was UNDER my limit, not over it. 

It seems to me that such a drop is unfair to myself and other consumers, given the facts I've stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XXXX XXXX  I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from Experian, XXXX and XXXX XXXX stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.
Product: Debt collection

contract cancelled with XXXX yet they kept billing. when they did not receive payment on what was not owed them, they had a collection agency try to collect. this agency TRANSWORLD SYSTEMS was notified XXXX in writing that this was not money owed and they continue to sent these harassing notices to an XXXX year lady.