23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The charges with XXXX should be properly investigated because they are incorrect. I am currently submitting a dispute via mail. 


We moved out of our apartment ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a XXXX balance for failure to vacate the property without notice. She told XXXX XXXX XXXX manager  ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the XXXXXXXX  balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the XXXX manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a XXXX  deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exquifax stored my personal information on an unsecured unencrypted server which led to theft of my personal information due to hackers
Product: Student loan

I am writing to request a clear explanation for why my predatory student loan discharge application was denied for the 2nd time by XXXXMOHELA . My case was approved for discharge by the Department of Education under the XXXX XXXX based on substantial evidence of school misconduct. The denial letter I received did not provide a clear or detailed explanation for this decision. I respectfully request a substantial and transparent explanation for the denial, including the specific criteria or evidence that led to this outcome. I have complied with all necessary steps and provided all requested documentation in my School Misconduct Application, and I believe I am entitled to a clear and thorough explanation. Please respond promptly with the requested details.
Product: Money transfer, virtual currency, or money service

Coinbase restricted my account for more than 2 months, they told me to upload my driver 's License pictures and to verify if my address is correct. I did all of that, but when I call or text them, sometimes the support service tells me that they are on it, or they are too busy now, or to wait 24 hours, 48 hours. I can't buy, sell, or cash out and transfer my money. I need to have access to my money as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to highlight the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section XXXX ( a ). This section underscores the crucial role of consumer reporting agencies ( CRAs ) within our financial system and emphasizes the need to treat consumers fairly, impartially, and with respect for their privacy rights. 
Given that both XXXX and XXXX function as consumer reporting agencies, it is essential that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure the confidentiality of my private information and to prevent unauthorized sharing. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy. 
Furthermore, according to 15 U.S. Code 1681, Section XXXX ( a ) ( XXXX ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Unfortunately, this requirement has not been adequately met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( XXXX ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( XXXX ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. It appears that XXXX and XXXX are falling short in meeting these standards. 
I HAVE PROVIDED NO WRITTEN CONSENT REASONABLE PROCEDURES WERE NOT MAINTAINED PROPER AUTHORIZATION WAS NOT GIVEN MY PRIVACY WAS VIOLATED Thank you for your attention to this matter
Product: Credit reporting or other personal consumer reports

I am reaching out again to notify you that I am a victim of fraudulent activity and to dispute certain items in my file resulting from this crime. The items in question do not relate to any transactions for goods, services, or money that I have made or authorized. Please remove the following items that resulted from identity theft : TRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}. These items are unknown to me. Additionally, information provided on some accounts has been deleted from other bureaus, raising doubts about their accuracy. The reported payment history on some accounts is also a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : I am writing to you because I have exhausted my options. I did not owe anything to this credit card company, they were charging for the annual membership fee and because they were sending the invoices to the wrong address, they put me down as being late. 

Below is the letter I sent to XXXX XXXX XXXX from Barclays Bank Delaware she works in the office of the president. 

I am requesting that negative information supplied to the credit reporting bureau be removed. 

Background, I opened a credit card account with XXXX Bank in XX/XX/XXXX. The credit card has a high limit of {$10000.00}. However, I have not used the card or carried any balance in over 2 years. 

Barclays was trying to collect an annual membership fee of {$89.00} from me and apparently was sending the information via email to my ex-wife. 

XXXX was sending the bills to XXXX XXXX XXXX XXXX XXXX, CA XXXX and the email address was XXXX. Both the address and the email address belong to my ex-wife. I had sent a letter back in XX/XX/XXXX letting XXXX XXXX to update my contact information. 

I have not lived at the XXXX XXXX XXXX XXXX XXXX CA XXXX address since XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX Ca XXXX and my email address is XXXX I had no idea that XXXX was trying to collect an annual membership fee of {$89.00} since all the contact information that XXXX had was not correct. 

I only became aware of the negative information because I subscribes to XXXX XXXX which sent me notification that XXXX was reporting negative information. 

As soon as I found out about this issue I called XXXX paid the {$89.00} and updated XXXX with the correct home address and email address. 

Prior to Barkleys reporting the negative information of a 30 day late in XX/XX/XXXX and a 60 day late in XX/XX/XXXX my fico scores ranged from XXXX XXXX. Because of the negative information my current fico score rage is between XXXX XXXX a drop of XXXX points. Up until this point, I had no negative reporting. 

I'm in the process of refinancing one of my properties but can not do so because of this negative and incorrect information. 

Please be aware that your direct actions is impeding my ability to refinance my property which will cost me hundreds of thousands of dollars in higher interest rates over the lifetime of his loan. 
Please update the credit bureau to show no late payments.
Product: Credit reporting or other personal consumer reports

I wrote to CFPB when experian was reporting nothing at all once cfpb contacted experian they started reporting about 15 accounts they had been blocking but they are still blocking my score, I have a right to have my numerical summaries of my credit creditworthiness that are called a scores and are used all over this country because experian will not show a score unless I pay them to build my credit from my rent and utilities and start from XXXX again this is Blackmailing me to do business with them and totally illegal in these United States I am XXXX years old and have 28 years of credit history for over XXXX dollars and all has been payed perfect 100 % on time each and every month no way experian new sales pitch is a better summary of my credit to even think about comparing my rent and utilities, I will be filling lawsuits about this matter, I can't buy a home unless I have 3 scores in the United States!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


In regards to the following accounts on credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX 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 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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had inquired about a forbearance plan that Loancare LLC was offering during the start of the covid-19 pandemic. I filled out an online application for the plan on XX/XX/20, and received an email stating that I was approved and the plan had started on XX/XX/20. I was notified by my mortgage broker to immediately cancel the plan, as I was planning to refinance in the near future, due to the possibility of a negative report on my credit. I tried to contact Loan care immediately to cancel the plan, and could not reach anyone on the phone multiple times. I attempted to cancel my plan online but had technical difficulties which were not assisted by any loancare technical associates. Additionally, they reported me as delinquent on my payments during the forbearance plan, which they specifically stated would not happen on the application completion email I received. I spoke to a manager at Loancare, Agent ID  # XXXX XXXX, who could not assist me with this issue or provide me with a letter validating that Loancare is wrongly reporting my credit, on XX/XX/20. I am also unable to login to request a letter from the credit department due to technical issues that Loancare is currently having.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported to Experian that my account was closed and a charge-off, but I have never made a late payment and I don't carry more than a {$100.00} balance ( {$3000.00} credit limit ). The problem I am having is my other credit card company XXXX said they received information from Experian about this XXXX account and as a result have reduced my credit limit from {$5000.00} to {$1300.00}. I've tried to explain this, but my credit limit with XXXX hasn't been restored ( since they're using false information ). 

I receive an email from Experian acknowledging the false information and that my report has been updated as of today XX/XX/2021. I am in the middle of refinancing ( being added to a mortgage ) and I need to make sure my credit stays as it was when I applied.
Product: Credit card

Received prepaid XXXX  in mail and it shows no fees for Debit or Credit use at any store. 
( You have received a Virtual Prepaid XXXX worth {$120.00} as your XXXX XXXX XXXX XXXX XXXX XXXX settlement payment. ) Try to call number and did not get a person. Computer just repeats the information but no direct person. 
Customer service # XXXX Tried XXXX * and # sign but it just goes bak to promts XXXX etc. 
Webpage is https : //myprepaidcenter.com/ Fees charged {$3.00} and here is the schedule online for fees.

1. Not sure ow I can get person to answer problem?

2. Fees listed ( none applies in my case ) Attached fees PDF file.
Product: Mortgage

XX/XX/2019, I was contacted by Freedom Mortgage, our current mortgage company. XXXX XXXX, loan officer, offered a refinance opportunity to drop our current rate by half a point, which would get us to 3.5 %. He let me know the benefits of refinancing with freedom mortgage and we agreed. 

My wife and I have signed several e-documents and we also submitted all requested documentation in a timely manner. In the middle of XX/XX/2019 I received a call from Freedom Mortgage collections asking us to pay for month of XX/XX/XXXX. 

My wife also had a follow up call with XXXX and he let her know that all documentation was submitted and we were set to close. Unfortunately, XXXX XXXX, stated that we did not submit our proof of occupancy. I contacted my wife to verify and I found that she did submit all documents requested. 

We never received correspondence from Freedom Mortgage requesting a certificate of occupancy. I do, however, have proof that XXXX XXXX only requested a current utility bill and a current pay stub. No specification was provided on both husband and wife or other. I have the email saved from Freedom Mortgage to prove this. 

Lastly, I spoke to XXXX XXXX, XXXX, on XX/XX/XXXX. She told me that she understood our issue. Her plan to resolve this issue was to waive the interest accrued for the month of XX/XX/XXXX, waive the closing cost for XX/XX/XXXX and to also waive XX/XX/XXXX mortgage payment. She told me that she would follow up with an email verifying what she said to me after our XX/XX/XXXX payment posted. Our payment has posted, I have called her, with zero response nor have I received a confirmation email.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ), Equifax shall investigate any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX  Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XXXX XXXX 2017 while shopping at Home Depot at XXXX XXXX, Virginia, I was approached by a sales associate at check-out and asked whether I currently held a Home Depot credit card and whether it was more than three months old. I said yes. He then said for {$25.00} off your purchase can upgrade your credit card to more favorable terms. I agreed to the " upgrade ''. I have now learned that the " upgrade '' was nothing more than opening a second Home Depot account. I have since talked to Citibank who assures me there was no difference between the card I had and the one I received as an " upgrade ''. In effect, the Home Depot employee misrepresented the card and engaged in what I consider fraudulent representations to induce consumers into opening a second account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced and XXXX XXXX  purchased the loan. I placed myself on autopay, as I have done for every mortgage for the last 15 years. XXXX asked me to mail in something to place me on autopay, which I did and my autopay started. XXXX mistakenly removed me from autopay. I found out and made several calls, all to which they advised nobody was available to discuss this with me. On one call in the beginning of XXXX, they said there was nobody that could answer the phone at all and to try back another time. I have had nothing but trouble with XXXX XXXX. They did not disclose the problem with autopay until XXXX when they reported this to the credit bureaus and my scores dropped from the XXXX 's to the 500 's. I HAVE NOT RECEIVED A SINGLE LETTER FROM THEM OR I WOULD HAVE DEALT WITH THIS IMMEDIATELY. THEY WILL LE AND SAY THEY DID BUT WHY WOULD I BE DISHONEST? WHY WOULD I RUIN MY CREDIT IF I CAN ABSOLUTELY AFFORD TO PAY MY MORTGAGE??? I am about to lease a new car and sell this property and now I can only sell my property. I can not rent because of the credit score that XXXX mistakenly reported was late. The mistake was on THEIR END. I have never made a late mortgage payment, ever. They even agreed to waive the late fees I already paid to bring my account up to date. This is clearly an admission of their mistake. They have still failed to advise the credit bureaus of THEIR mistake and this has impacted my life terribly. THIS EXACT SAME ISSUE OCCURRED IN XXXX WITH XXXX!!!!!!!!! On XX/XX/21, I called XXXX AGAIN! at XXXX. I spoke to someone to explain the problem again and asked for the escalation manager. This was at XXXX XXXX After holding for 9 minutes, someone came on the alone and said there was a bad connection and disconnected me!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was trying to take a loan out of my sun trust for {$5000.00} and it said they couldnt obtain my credit report and to contact you guys
Product: Debt collection

Diversified consultants has, on numerous occasions, contacted my minor child on HER phone regarding an XXXX XXXX XXXX bill that was past due ( and subsequently has been paid ). The XXXX time they called her ( during school ), I called them back and gave them my phone number ( STILL do n't know how they got her number ) and told them not to contact my minor child again and to remove her number. Since then, they have called her at least XXXX times. The bill has been paid and they 're still calling her.
Product: Credit reporting, credit repair services, or other personal consumer reports

World finance has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXX XXXX  and XXXX XXXX are unfounded items I have no responsibility for.
Product: Debt collection

I subscribed to the XXXX based credit monitoring system Credit Check Total. When I logged in today to check my credit report my score had dropped by XXXX points. I investigated further to see that a collection had been added to my credit report illegally. I am unaware of this account and I was not notified by mail or phone concerning this alleged debt. Because I was not sent a dunning letter I was not able to exercise my right to dispute this alleged debt. This company has completely violated my rights under the law. Additionally, the account is listed as closed. Why is this illegal account on my credit reports. I would like it removed illegally.