23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, my name is XXXX XXXX and no one has forced me to write this complaint this is of my own free will. I am writing that XXXX XXXX has violated me stated that if I paid this alleged debt they would remove the negative item off of my credit report. As I check my credit it is still reporting. This is my last time reaching out about this matter. If within the next 15 days this item is not removed I will report this information to the attorney general, XXXX, and the XXXX This company has lied and committed fraud and falsifying information.
Product: Money transfer, virtual currency, or money service

I have been a victim of financial fraud and identity theft. 
I was scammed, the suspect had access to my ID, social security. I reported to my bank, Coinbase, police Federal Trade Commission and FBI IC3. 

I have lost total of {$52000.00} which $ XXXX of the total was transferred from my XXXX XXXX  to Coinbase, The first transaction was on XX/XX/2021 to Coinbase for {$30000.00} The second transaction was on XX/XX/2021, also to Coinbase for {$20000.00}. 

The funds were sent to Coinbase and subsequently transferred to two separate third-party digital wallets without any warnings about potential fraudulent activity in relation to said digital wallets. The digital wallets belonged to scam cryptocurrency platforms/organizations. I have not receive the service or protection that was promised or described by Coinbase LLC nor XXXX XXXX I have tried to contact Coinbase to dispute these transactions but was ignored and not offered any assistance. 

XXXXXXXX XXXX is not willing to investigate further or to recover my money.
Product: Debt collection

XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. 
XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are Midland Credit Management, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.
Product: Mortgage

I initially had a mortgage through XXXX XXXX who sold off my loan to BB & T. I received this information in late XXXX. I called BB & T and spoke to a rep who said I would be receiving paperwork in regards to payments ect. I did not receive this paper work until after XXXX and promptly made my first payment on XX/XX/2020. Since then I have been making payments online every month. They keep sending me notifications saying that I am late. I called and spoke to a rep again and they said my payment was due XX/XX/XXXX. I explained I never even received the paper work until after XX/XX/XXXX so how could I be late.. I did send them a letter on XX/XX/2020 stating the situation in writing along with proof of payments. I never received a response to this letter. In turn they keep sending me threatening letters. It has been very hard to get this resolved with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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. 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 a 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. My rights have been violated and I need them to remove this account asap
Product: Credit reporting or other personal consumer reports

I requested a dispute into items that information contained is incorrect and inaccurate i requested proof and they will not provide
Product: Mortgage

I refinanced my home in XXXX of 2014 and ended up with a mortgage from XXXX. Immediately after re-financing, I was contacted by Nationwide Biweekly Administration , Inc. There literature promised savings by paying bi-weekly. I called them and discussed it with them. They gave me the impression that they were working for my mortgage company, XXXX. I enrolled in the program, all the while, thinking they were a part of my bank. Last week I got several e-mails announcing that my enrollment in the program was " suspended. '' I have tried calling and e-mailing them and have received no response. After some research, I discover they are not only not affiliated with my bank, but they have been skimming money off the top of all my payments. I feel ripped off.
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 US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED 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 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 reporting, credit repair services, or other personal consumer reports

MY BANK OF AMERICA CREDIT CARD ( XXXX. XXXX XXXX, SHOWS ME 30 DAYS LATE IN XXXX XXXX. HOWEVER, IN MID XXXX XXXX I SUFFERED AN XXXX XXXX AND WAS IN ICU FOE 4 WEEKS, BUT TO THE BEST OF KNOWLEDGE I MAILED THE PAYMENT. I HAVE NEVER BEEN LATE ON ANY PAYMENT BEFORE OR AFTER. PLEASE ASSIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XXXX of XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report the accounts below for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAPRemove the accounts immediately. Thanks. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Per resolved CFPB complaint # XXXX, Freedom Mortgage began sending all documents to the wrong address in XX/XX/2018. 
So I did not receive the company 's notice that it needed proof of insurance until that error was corrected BY MY EFFORT in late XX/XX/XXXX. 
My insurance company provided the information to them in early XX/XX/XXXX. 

Today I received notice that Freedom Mortgage retroactively RETROACTIVELY purchased insurance for me in XX/XX/2018. I don't know how they could have done that as it is my understanding that such insurance can not be purchased retroactively and the earliest possible purchase date would have been XX/XX/XXXX. 
I carry HO 6 insurance through my personal insurance company.

So I am now doubly insured because Freedom Mortgage sent documents to the wrong address for more than six month. 

I want the redundant policy canceled and all charges to disappear from my escrow account. My mortgage documents were approved with the requirement that the condominium be insured and it was approved by the lender under those conditions.
Product: Credit card or prepaid card

There is a repetitive issue that American Express does not process payments, and blames the customer. Never with any other payments, all payments get process as scheduled but American Express several times a year they claim either account number invalid or ABA routing invalid, this a scheme to defraud, to charge fees, late fees etc, and have the card holder speaks specifically with their XXXX call center, so they later begin robocalls and share personal information with their XXXX friends as no control what goes on. When called or emailed American Express refuses to make good and at times they calls in odd hours leaving messages that since they can not reach out to discuss the close the case emailed, calls come at XXXX XXXX ....
Product: Vehicle loan or lease

I got a new job and request to push 2 payments back and they didnt do so till later and my credit score went down
Product: Credit card or prepaid card

When first fraud charge comes, I had to call the creditor to report fraud activity even XXXXXXXX XXXX XXXX XXXX XXXX  makes this incredibly inconvenience of having to call them repeatedly. When account was closed and new credit card number was sent. I thought that was it then second fraud charge from same merchant comes, I called them again because their live chat won't help, just keep asking XXXX person to call them again. I told them again of everything. Account closed and new credit card number sent once again and third time, I'm still seeing fraud charge from XXXX. I explained everything to live chat and live chat is still asking me to call them again to no solutions end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send mails to Equifax on XX/XX/XXXX up on some unauthorizes inquiries and no action have be taken i would love for the following inquiries to delete. 
Please delete these inquiries. 
XXXX XXXX ( XX/XX/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
Product: Credit reporting or other personal consumer reports

Dear transunion PAST DISPUTE TRACKING # XXXX # XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX 1. XXXX- XXXX : No notice of dispute. Delete for violation of FCRA 623 ( a ) ( 3 ). I disputed on XXXX by XX/XX/XXXX there was no notice of dispute. Delete this account for false reporting & failure to update information under FCRA rights remove or delete immediately. 

SOLUTION : i want this account removed or deleted for no notice of dispute thats a violation been about 3 months. nothing was verified or no investigation from since last reported dates XX/XX/XXXX & no phone number to verify me information from grow credit systems. Delete or remove grow XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Check system has repeatedly done little tricks to change my password and keep me locked out of the account to give me the verify whatever they're trying to give me the verify this is becoming discrimination I called you in a few minutes a second ago and they told me that I needed to give my consumer portal twice two or three times a week and I don't understand that when they just sent me correspondence if every day for the last 4 days telling me to check your correspondence and log into the portal so you can see what we are response was and if I don't understand why they send me that and then tell me I can't check it then why use it ad a point of communication.p they're about they've also made it very difficult for me login by changing my password and trying to give me to lock my own account so that they can call I have to call them to verify whatever it is that we're fine I took screenshots of this so as proof I tried to log in the first time and they sent me to a screen that I did not set that email and have no ideal who I COULD Email it was Then 5 minutes later I try to log in again under private browser it takes me to my correct email address that I set up this is not an accident this is them playing games
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made a non-typical student loan payment via " phone '' in XX/XX/XXXX. Apparently, what I had discovered was that my original phone payment transaction did not properly post to my student loan account. The transaction did NOT post for lack of funds in my bank account but rather an error on the creditor 's part. Eventually, I was told by an AES representative, the debit card did not process correctly due to possible transposed digits It was listed in the AES system as, Per Debit Split Card Not in Network. 
In turn, per AES 's policy, they do not make any immediate attempts via phone or email to notify their barrowers that the payment transaction did not properly post because of such a transaction error. AES never made any immediate attempt to notify me that there was an error on the card payment but rather let this error sit and stagnate. 
With today 's technology, it's interesting how such immediate notifications via text, phone and borrower 's personal emails are so readily available for such issues that AES still remains to rely so heavily on their AES website inbox and/or U.S. mail. 
On XX/XX/XXXX, I then made the second transaction of {$15.00} plus my regular monthly payment of {$46.00} to correct their card payment error. 
At the time, I stated to the AES representative being a long-time borrower XXXX XX/XX/XXXX XXXX that my only concern was that this error does not negatively impact my credit rating. 
The rep assuring me that any negative reporting would not happen. 
The end result was that AES reported a 30-day late payment to all the three credit bureaus. 
I have the enclosed my dispute document that I sent to American Education Services XX/XX/XXXX for your review. 
Thank you, XXXX XXXX
Product: Debt collection

I HAD AN IDENTITY THEFT WITH MY DOCUMENTS THEY OPENED AN ACCOUNT WITH ACIMA CREDIT A COMPANY THAT IN A PERSONAL WAY I NEVER DID BUSINESS WITH THEM THEY USED AN ADDRESS IN NEW YORK CHECK MY CREDIT REPORT AND THEY HAVE INFORMATION HERE, {$1200.00} # XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AFFIRM XXXX XXXX Balance {$760.00}
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 XXXX XXXX XXXX XXXX
Product: Debt collection

I called United consumers inc. to inquire about a bill that has linked to my credit when i was on my fathers insurance as a dependent. The male named XXXX was very rude when I was trying to resolve the issue he would n't give me a chance to tell him my problem i was actually trying to see who should I talk to about my issue instead of him helping me he raised his voice at me in a aggressive scary manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX US DEP ED 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 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

A savings account was opened at a Navy federal credit union by someone whom stole my identity.To be a member of NFCU You must be current/former military and or be sponsored WHICH MEANS THIS PERSON CAN BE TRACKED DOWN.They also open account without verifying just whom a person really is, meaning the account was opened online with NO SS CARD AND A ACCOUNT ASSOCIATE STATED NO PICTURE ID. 
That is very disturbing and ONE SHOULD HAVE TO SUBMITT PHOTO ID, of AND SS CARD # .They also claim im not entitled to any of the documents used to fraudulently open the account the LAW SAYS DIFFERENT THAT I AM ENTITLED AND I am the victim being treated like XXXX.When there business practice in opening accounts is questionable at best. 
I may have to hire a lawyer im afraid as i want answers as per how this was done. 
My wallet was stolen bout 5 years ago by a former XXXX veteran but we could not prove it..NFCU may posess A ID with the man whom stole my wallet at work we could not prove he did it but we knew he did it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$73000.00XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Bankruptcy XXXX Dismissed XXXXr XXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ... XXXX XXXXXXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct XXXX XXXX ... XXXX Acct # XXXX ... XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXX, I purchased {$49.00} in bitcoin with my Venmo balance that I had deposited money into with my bank account prior to purchasing the bitcoin. I was charged a fee of {$1.00} and given {$48.00} usd in bitcoin. I then, attempted to send the {$48.00} to another bitcoin address of mine, but was denied by Venmo requiring a {$65.00} minimum transfer of bitcoin. So, having no use for the bitcoin sitting in the wallet, I sold the bitcoin on XX/XX/year> at XXXX XXXX, with the understanding my funds would be available immediately as promised by Venmo. Once I submitted the transaction, with no for-warning or confirmation, Venmo informs me my funds will be credited to my account in XXXX days due to pending review. Mind you, less than XXXX minutes prior to buying the bitcoin, I submitted drivers license photo, a self portrait photo, and XXXX & XXXX, & successfully confirmed my identity. On XX/XX/year> at XXXX XXXX. XXXX time zone, I contacted a live agent at Venmo requesting the hold be lifted and my money returned immediately. They repeated that the money was being held for further review with no explanation as to why and given no resolution. I am not the first consumer whos had a very similar experience. Upon researching my situation I found many others with the same problem. It is believed Venmo abuses their practices by withholding consumers money to profit more in fees, and interest, specifically when the fees for bitcoin fluctuate, to gain profit off of consumers money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account on my credit report, showing on my Experian, XXXX and XXXX. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.