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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery are trying to collect debt that does n't belong to me. 
It is false information on my credit report. I 'm trying to get a mortgage and they prevent it from me. I 've called them and they failed to provide information and verify that it is actually belongs to me. 
Since it was n't mine I need it to be removed.
Product: Debt collection

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged XXXX XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged Bankruptcy Account. What was the method of verification when the courts CLEARLY do not provide documentation or verify with you? THIS IS ILLEGAL. All bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit reporting or other personal consumer reports

I always make all of my credit card payments on time but in XXXX of XXXX  whenever I would log into my account, at least once a week, the website showed I didn't have a payment due. This went on for several weeks and at some point, the company 's website went down because it was switched to a different platform. By the time I was finally able to log back in which was not more than a week after the last attempt, the account was showing as 30 days past due. I have never made any of my credit card payments late and when I tried explaining to the company what had happened and how I was misled, the company did not care. I have tried disputing this error on my credit report with all three major credit bureaus for over a year but have not been successful.
Product: Mortgage

XXXX XXXX failed to pay my homeowners insurance which was due XX/XX/2018. On that same date they sent a letter threatening to buy more  expensive insurance for me if I couldnt immediately provide evidence of insurance. 
I confirmed that the money for the payment was withdrawn from escrow by looking at my mortgage payment history on-line. I confirmed with the insurance company that they had not received payment. I paid for the insurance myself and provided evidence of insurance to Cardinal. The evidence of insurance was confirmed to be adequate for Cardinals purposes by a Cardinal customer support representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent Inquiries on my credit profile that I did not do. ( XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

During COVID, federal loans were in forbearance and interest was not supposed to be charged on federal student loans. Nelnet charged me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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

Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit limit - {$410.00} I wrote a dispute letter to XXXX to remove this from my credit, because I was never own anything with Progressive.
Product: Credit card

A few months ago, I failed to receive a statement on my Sears credit card. Luckily, I remembered the payment was usually due around the XXXX, so I went by the local Sears store and made a payment. My wife was concerned about not having received a statement, so we waited XXXX weeks for the next statement showing the last payment and current balance, but it never came. My wife called them and explained she was concerned that someone could have been able to change our mailing address and could be using the card info fraudulently. Of course the could n't tell her anything since her name is n't on the account. So I called and the address was correct and they promised to send another statement, but nothing came. I have called XXXX more times and complained to the local store ( who said they hear that complaint a lot but ca n't do anything about the credit card ) and every time I have received a promise we will start receiving statements, but we have not received XXXX yet. We have missed the last XXXX statements. We could go online, but prefer to receive a statement via mail.
Product: Bank account or service

I deposited a personal check from XXXX in the amount {$4800.00} to the JP Morgan Chase branch at XXXX NJ between XXXX and XXXX on XX/XX/2017. I walked up to the counter and handed my Chase freedom credit card to the clerk for identification, and went back to my car for more ID/address. I talked with my girlfriend in the car for 10-15 min. When I got back, the clerk already cashed my check. However, my account was never credited for this amount. On XX/XX/XXXX and XXXX, my Chase credit card had fraudulent activities totally $ XXXX + XXXX + XXXX + XXXX = {$300.00}. For the {$10.00} fraud, my Chase freedom card duplicated a transaction on my Chase unlimited card which is something that only someone within Chase can do.
Product: Money transfer, virtual currency, or money service

My Coinbase USD account sustained a loss of approximately {$60000.00} through a series of unauthorized transfers on XX/XX/XXXX. My account was a funded USD account ( not a cryptocurrency account ). I reported the situation to Coinbase support later that same day ( XX/XX/XXXX ), and the correspondence continued by email for the next three weeks.

Coinbase asserts that I am fully liable for the loss because they " had no reason to distrust the activity in question. '' - Because my funds were in a prepaid USD account and because I reported the breach within two business days, Regulation E limits my total liability to {$50.00}.

- To support their position that I am liable, Coinbase made several demonstrably untrue statements regarding the unauthorized activity, concealing and omitting events that should have raised their suspicion ( see attached email ).

In compliance with the Coinbase Terms of Service, I submitted a complaint on the morning of XX/XX/XXXX disputing Coinbase 's determination. The Terms of Service state that Coinbase will acknowledge receipt of the Complaint after it is submitted.

Coinbase has sent no such acknowledgment.

The full email chain of my correspondence with Coinbase is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history is inaccurate and the dates tagged as late were incorrect and unverifiable.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received this specific response. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by XXXX XXXX I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 
XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called AvantXXXX spoke with XXXX I advised them to close my account back in XX/XX/XXXX, I then found out that they marked me 30-days delinquent twice on my credit report. It is impossible for me to use the card since I had shredded it back in XX/XX/XXXX so the only possible explanation is that someone at Avant made a card using my account number and never closed it. There is a reported balance of {$230.00} this account is only reporting to XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX, Equifax, and XXXX due to their failure to address inaccuracies on my credit report, despite multiple disputes. The incorrect information continues to appear, and no corrective action has been taken. 

FCRA 623 ( a ) ( b ) : The disputed account was not properly marked as " disputed '' on my credit report.

FCRA 605 ( c ) : The date of last activity is incorrect and should reflect the actual date of payment.

FDCPA 809 ( b ) : The collection account has not been validated, even after I requested verification.

I request that the CFPB investigate these issues and take appropriate action to ensure the credit bureaus comply with the law by correcting the inaccuracies, marking the account as disputed, and providing proper validation of the debt.
Product: Mortgage

In XXXX of XXXX, Applied for help throught XXXX XXXX XXXX ( XXXX ) to negotiate a lower rate on mortgage paid approximately {$4500.00} total for the help. In XX/XX/XXXX was told could not do anything for us and to look at filing CH XXXX. I later found out XXXX was not licensed to do business in the state of MD. Had a previous mediation, had to borrow $ XXXX to keep from losing the house. Had a company write a complaint to CFPB, but it was never filed. I feel my wife and I were victims of predatory lending.
Product: Credit card or prepaid card

Three charges occurred on my credit card on XX/XX/XXXX, and XX/XX/2022, in the total amount of {$4500.00}. I reported the fraud 6 days after it occurred. XX/XX/2022 my account was credited the {$4500.00}. On XX/XX/2022, I was sent a letter stating that the company does not consider it fraud because a chip was used and put the charges back on my account. Now they are charging me interest and late fees on the fraudulent charges. 

I can not reach the fraud department of my credit card company and have left many messages. I went into the bank branch and I have asked for the case to be reopened. I have filed a case with my local police station who will sent the information to the two cities where the charges were made. The police department is City of XXXX, the case # is XXXX. 

I have now taken 2.5 days off of work and spend many hours on the phone, in the police department and bank. I know that if the credit card company looked at the recordings of people purchasing on those days, they would see who duplicated my chip. The police said that the companies do not have to provide me with this information. I have called both companies and neither has my name in their system as purchasing items or subscriptions. 

What can I do to expedite the investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a number of Disputes with all three of the Credit Reporting Agencies, XXXX, XXXX XXXX XXXX. I wrote a Direct Dispute to Bank of America ( B of A ) concerning a specific account, # XXXX, on XX/XX/2022. I have since sent B of A a second Demand under the Fair And Accurate Credit Transactions Act ( XXXX ) and dated XX/XX/2022. B of A is in Gross Violation of FACTA by failing/refusing to answer this letter in reply. I demand that B of A comply with my letter of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries that were the result of unauthorized use of my credit report. I have filed an identity theft report. I am unsure of what type of credit many or these companies issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX # XXXX, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # 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
Product: Credit reporting or other personal consumer reports

Prior complaints filed with Equifax about failure to upload my corrected mailing address after confirming my identity multiple times verbally, through mail, and via direct upload through their encrypted verification system which was initiated by their own customer service team. I am told the only verification acceptable is a social security card and drivers license which directly contradicts their own website published requirements. Equifax claims I do not have a credit profile, yet in their most recent phone conversation admitted I did, but they did not have my updated address again. They acknowledged the response to the prior CFPB investigation was inaccurate and could not explain how I received XXXX notice at my home from them requesting identity verification, but could not find my recent address on their system. This last conversation took place approximately XX/XX/XXXX for XXXX minutes ending XXXX MST. I am concerned that Customer Service XXXX insist the only way for me to have my identify verified is to mail a copy of my Social Security Card and License to their address. They can not email me the requirements or point out on their own company website where to find the information ; only that they can read it to me. This seems to set up unnecessary identity theft opportunities within their own company by the same representative. 

Additionally, balances on multiple accounts have not been updated correctly or actually verified directly with vendors. I can not get clarification if a third-party verification is being used, but can confirm that XXXX does have my most recent history since XXXX and XXXX are reported updated information. 

XXXX XXXX XXXX and XXXX XXXX, have not updated my paid off mortgage and report balances AFTER housing close and escrow money was received and processed, per their own acknowledgement. 

Damages have resulted to extremely poor research and communication between the XXXX entities including : inability to obtain housing, loss of available credit lines, reduction in credit lines and more than XXXX hours of phone conversations trying to resolve the issue between XX/XX/XXXX- XX/XX/XXXX. 

Prior CFPB Complaints : XXXX ( Equifax ) XXXX ( XXXX  ) XXXX ( XXXX XXXX XXXX )
Product: Credit card or prepaid card

Hello, My name is XXXX. I would like to file a complaint against Barclays. I recently opened an account with them. After I opened my account I requested to transfer a credit card balance from a different bank. After I requested the first balance to be transferred from another credit card that belongs to a different bank, I requested a second balance to be transfer. The same day or the day after I decided that it was not necessary to transfer both balances, so I decided to cancel one of the transfers or the second balance that I requested. I spoke with a representative before both transfers were processed to cancel the second credit card balance transfer. At the end of the call, he told me that the second balance transfer was cancelled and only the first one was going to be processed. A couple of days after I receive a notification that my bank statement is XXXX instead of the XXXX that I requested. I called the bank to find out what happened, but they were not able to give me an answer. The manager who I spoke to mentioned that they were going to investigate and get back to me. She originally tried to dispute the transaction as fraud, but I explained to her that it was not fraud because I made both transactions, but I called after to cancel one of them to prevent the transaction from being processed. I did what I was supposed to do. Then, she mentioned that a letter was going to be sent to me with an answer within 10 days, but I recently noticed that she added the original balance of XXXX to my bank statement on top of the balance that was mistakenly sent before, meaning XXXX plus XXXX. I am not able to buy anything because I do not have any credit available. I explained to them that it is not my responsibility to deal with the consequences of this error because I did my part to make sure that this did not happen. I would like my bank statement to be as it is supposed to be. In addition, it is hurting my credit because it indicates that I utilized more credit than I actually did. To add, my credit went XXXX points down, and I am not able to pay my bills on time because I get rid of my other cards to be able to use this credit card only. Please advice. 

Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

On XX/XX/XXXX I contacted XXXX XXXX services, XXXX, left a msg, and XXXX called back-XXXX. I explained that I wanted to get a loan for a manufactured single wide home w/ land in a park, in AZ XXXX He stated that they only had VA and FHA loans. So we talked about FHA. He informed me that I would have to pay PMI on this loan, and no matter how much I put down, even 50 %, I would still have to pay it FOREVER! I said there there must be a time frame that this drops off, and he said no. Is this legal? I have owned 7 homes, and because of my wonderful credit history, I have never had to pay escrow or pay PMI. 
Same time frame, I had also been told by another company, XXXX XXXX, a mortgage broker in AZ, that I HAD TO USE a broker cause no lender works with buyers in AZ w/o a broker. They told me that they only used XXXX and XXXX XXXX for lenders. Sounds very crooked to me. 
Can you get some answers for me?
Product: Debt collection

On a daily basis I continuously receive notifications about my credit report collection  increasing by Grant Mercantile, a collection  agency attempting to collect a debt for an ambulance  bill. I have submitted a complaint on this company numerous of times as well as requested debt validation and my signature to show proof. All the company provided was a document with signature. Nothing else that I requested such as the billing statement, insurance payment made or if insurance was billed, patient, etc. 

They continuously report increases in the collection amount on a daily basis for this debt drastically affecting my credit. Ive offered numerous times to settle this debt that they refuse. I have someone willing to help me with settling this debt so it may be removed and will payment immediately of {$250.00}. 

Per FDCPA, The agency did not provide proof that this debt belongs to me or has been assigned by the original creditor upon the first request. Therefore by law the debt collector is not allowed to continue pursuing the debt nor should the debt be listed on my credit report. Yet they continue to do so. 

Beware of this company, they will ruin your credit and not provide information you request to validate a debt. Just continuously argue that it belongs to you. I have yet to receive any documents by mail they just racked the debt to my reports and then constantly increase the amount owed.
Product: Bank account or service

I opened a cheque account at Bank of America while visiting XXXX in 2013.
Now Bank of America will not send me the balance. I have made XXXX International calls and numerous emails with endless promises made but still no money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair aDd decer ye, as to y did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations