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

I have send a dispute letter to XXXX  and XXXX  stating the information being reported is inaccurate. A collection account reported by LVNV Funding is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and the payment status is 120 days late. This reporting is a violated the FCRA. I have disputed these items and my credit report still says the same thing. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Also, XXXX wasn't able to properly verify this account. Please explain to me why XXXX  and XXXX  can when all three reporting agencies follow the same law?
Product: Money transfer, virtual currency, or money service

My account on Coinbase is restricted due to a need to verify my identity. The problem lies in that Ive changed my name since opening the account. I tried updating my account to reflect my new name using various procedures that were provided to me by the service reps to no avail. Ultimately, requests for a manager have been ignored as managers who are supposed to call me have not in over two weeks ( I was told 1-2 business days ). Im asking to speak to a manager because none of the agents Ive spoken to seem to understand the issue and keep asking me to upload an ID reflecting my previous name - I dont have those anymore. Anyway, I verified my previous identity with this company when I first opened up the account. Im missing out on at least a few hundred dollars because they havent resolved my issue and the value of my account continues to decline. 

Ive been legitimately trying to resolve this concern for almost two years now and just keep giving up because their customer support is so difficult to work with.
Product: Mortgage

This in lieu of complain # XXXX. 
It's says closed but if you look at the schedule thay provided doesn't take into consideration of the XXXX extra payment in year. I did explain in the feed back. They are playing games. There is fishy business going on. Take a look into it deeper. They start XXXX payment from XX/XX/XXXX and ends as XXXX pay.ent on XX/XX/XXXX. So where does the XXXX payment go. It should start on XXXX as XXXX pay.ent and end as XXXX payment on XX/XX/XXXX. 

I would request CFPB to look into it. 

Thank you XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, Midland Mortgage Co. Issued me pay off excess check in the sum of {$1300.00}. I notified Midland Mortgage Co. That I did not receive the check nor was it cashed I was told that I could not receive a replacement check by Midland Mortgage Co. representatives. My claim was made well within a 5-year period requried by federal law. I have contacted Midland concerning this matter consistently throughout the years. The retention of a copy of this check was verified as recently as XX/XX/XXXX when I spoke with Midland Mortgage Co personal concerning this matter supervisor XXXX XXXX was made aware of the conversation. 

My wife found the misplaced check which was never cashed, and she contacted Midland Mortgage Co. in an attempt to resolve the issue. Mrs. XXXX presented check numbers and other identifying information to Midland Mortgage Co in hope that this would assist in resolving the matter. She was rudely laughed at by a Midland Mortgage Co. representative and told the company would not issue another check which constitutes criminal theft. I have formally contacted multiple departments via mail and fax at Midland Mortgage Co. on numerous occasions. In a call that occurred in XX/XX/XXXX a customer service representative confirmed she could in fact see record of the check for {$1300.00}. The representative stated she saw no signs of the check amount in the unclaimed funds account of Midland Mortgage Co. In response, I stated that you also should be able to verify that the check was not cashed, and she agreed. I have kept detailed written transcripts of conversations with Midland Mortgage Co. concerning this matter as well as the physical check copy. I am prepared to pursue legal action if the company will not respect my attempts to resolve this matter amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.15 U.S. Code 1681b - Permissible purposes of consumer reports. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX and XXXX Deleted XXXX Mortgage FRAUDULENT account. 

Attached Affidavit of Identity theft, Police Fraud report, FTC Fraud report and my ID for deletion.
Product: Debt collection

This company is coming after me repeatedly SOURCE RECEIVABLES MNGMN for XXXX for something I do not owe or have knowledge of this account on my correct just affected me moving as well. I disputed this account twice and was told this is accurate which in fact it is not!!!!! The amount is {$860.00}. I do not have XXXX account.
Product: Credit reporting or other personal consumer reports

Westlake Portfolio Management is reporting this account XXXX as opened and delinquent when I refinanced my vehicle with XXXX XXXX XXXX XXXX and I have been making payments with XXXX. I called Westlake Portfolio Management to confirm that this account XXXX was closed and they confirmed. As of XX/XX/XXXX they are still reporting to the credit agencies as open and delinquent which is affecting my credit significantly. I wanted this account closed and removed from my reports.
Product: Debt collection

XXXX XXXX sent me a notification about a collection added to my account! Opened on XX/XX/XXXX of 2024 saying I owe XXXX XXXX XXXX XXXX. The collections is called, credence resource management, I don't ever remember opening an account on XX/XX/XXXX of 2024 and I know for a fact this was not me
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This makes my third time trying to dispute information the has been submitted by : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The negative remarks pertaiing to late items are inaccurate. 
XXXX XXXX reported me as 60 days late XX/XX/XXXX before my payment was due. Also XXXX XXXX was provided authorization to withdraw my payments from my account utilizing a special payment program. The docuemnts to authorize this program was submitted to XXXX XXXX on two sperate occassoin the first being in XX/XX/XXXX and the most recent on XX/XX/XXXX. I confiremd the receipt of my document prior to my payment being due in XX/XX/XXXX and the female customer service rep at the XXXX store confirmed my draft and payment date of XXXX/XXXX/2016. The drafted payment never cleared my account and so I called the branch. I was informed that the payment for both XX/XX/XXXX and XX/XX/XXXX would be processed on XX/XX/XXXX, but this did not happen. Instead I was given a negative payment mark of 60 days even before my paynebt due date of XX/XX/2016. When I called the branch they stated thaty never had an automatic draft plan scheudled for me. I informe them of the error on my credit report and my willingness to file a XXXX complaint at which time they tried to work with me. A manager ( XXXX ) from the XXXX branch contacted me and stated that my account would stay in a duispute status and if the account payment were caught up he would then notify the main office to correct my credit report to reflec that the account error was resovled. This conversation took place on XX/XX/2016 at approximately XXXX. 

XXXX XXXX has reported me delinquent for XX/XX/XXXX and XX/XX/XXXX but has recieved payments in both months accordingly. The past due balance they are reporting is inccorrect and includes additional fees that have not been provided to me or explained to me. Attahced is a copy of the payments that have been made to XXXX XXXX over the past six to seven months. I have not been contacted by XXXX XXXX regarding any late payments. 

XXXX placed my account in a payment protection status and I requested a letter to verify that I was placed in this program. XXXX has removed my account from the collection status as the past due remarks were done so in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX  {$1000.00} XXXX {$5200.00} XXXX {$470.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1000.00} Inquiries : 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 and XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Never live at these addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, an individual hacked the account of a close friend, requesting money from several individuals. Unfortunately, this hacker used Cash-app as a service. Cash-app claims that it can not do anything about the issue, even though their platform was used for fraudulent/scamming activity. This account has stolen over {$1000.00} from individuals. Cash-App refuses to do anything about the situation or even protect against it.
Product: Credit card or prepaid card

Dear sir or madame, My Amex Membership reward points were frozen and the company did not solve the issue after I contacted them. 
From XX/XX/XXXX to XX/XX/2019, I had >140k MR points and there was a promotion of point transfer for XXXX points in Amex they refused me to do so. Amex representative asked me to talk to another department which did not help either. It is very frustrating.

Please help me to solve this. Many thanks.
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. 

Account name : 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 XXXX 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

I sent my letter off on XX/XX/2022. I told the credit bureau to " investigate every piece of information '' on the accounts I have listed below. There are still inconsistencies with payment history on these accounts. 

XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Also, I have attached the letter I sent out and the certified mail receipt. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Transunion has not conducted any such interviews. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % accurately. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts on my credit report. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Absent such proof, you must immediately and permanently delete the accounts in question. 

These accounts are inaccurate, unverified and furnished on my credit report without my consent. This violates my rights. Either provide proof and verification or permanently delete the accounts immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach. I recently realized that I was a victim of identity theft when I recently viewed a copy of my credit report. I noticed that the address on my credit report was changed and I recently contacted the credit bureaus in having this fixed. On my credit report there is a collection account from an organization called XXXX XXXX. They are saying that I owed the original creditor XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX {$1600.00}. I never used any products or services from any of these organizations but I am a victim of Identity theft. 

I have notified the relevant authorities of the matter so that they can conduct their investigations into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA and FTC ISSUES Unauthorized credit inquires - XX/XX/XXXX and XX/XX/2020 ... credit inquiries without my written approval - XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX. Only authorized XXXX XXXX   XXXX  XXXX, TX
Product: Payday loan, title loan, personal loan, or advance loan

Paid XXXX on XXXX XXXX. They claim i owe them XXXX for the month. Told me through email go on line will not connect me keep getting different error messages XXXX & XXXX claiming that page isnt there. 
Have sent screenshots of everything no answer
Product: Student loan

This started with my monthly loan payment amount being increased from XXXX XXXX XXXX XXXX XXXX. I did some research on my own only to find very disturbing facts. Although not necessarily the fault of the servicing company ( ZuntaFi ) I found the reason for the increase was due to the FED RATE INCREASES. Two {$25000.00} balance loans now will cost an additional {$10000.00} EACH thanks to the FED Interest rate increases. Disgusting, but a complaint for another time and entity. It does relate to suggested resolution. 

The complaint here is about THE CALCULATION OF PAYMENTS AND TOTAL AMOUNT TO BE COLLECTED. 

When I did the calculations across multiple student loan calculators I found there to be either too many payments, or too much collected per payment. This depends on how one looks at the loan. When I contacted ZuntaFi and brought this to attention I was given reasons relating to total collection and the sudden ( and significant ) monthly payment increase. The terms of the length of the loan was one reason. The terms of how payment increases may be made if the interest rate increases in order to keep the length of loan term within the contracted time was another reason. 

Whether I agree or disagree with those reasons has no room for debate. HOWEVER, under those conditions the way they calculate remaining payments results in my having to pay almost {$1500.00} OVER ... IN ADDITION TO... THE ACTUAL AMOUNT TOTAL AMOUNT DUE FOR EACH LOAN. 

Essentially 4 additional months of payments after the loan is paid in full. Once again multiple loan calculators confirm this when plugging in THE EXACT numbers provided by ZuntaFi INCLUDING the loan term as their excuse for how payment amounts are calculated. 

It is my belief this would have been completely ignored and I would have paid more than {$3000.00} too much ( two loans of near equal value ) IN ADDITION TO the {$20000.00} total increase as a direct result of FED interest rate increases. 

When I made it aware to my contact at ZuntaFi she told me everything is governed by the contract and the amounts are correct. She sent me information that included payment history and some contracted information and basically closed the conversation ( there were several emails back and forth ). NONE OF THE INFORMATION SENT TO ME ADDRESSED THE CONFLICTING CALCULATIONS though I was told it would answer all of my questions. 

I have not contacted ZuntaFi since receiving and studying the information sent to me. It is my belief I have come to a meaningful end to productive communication with ZuntaFi. That is why I am here. 

Dates of communications are RECENT.
Product: Credit card

I recently reviewed my report and noticed that I have a few inquiries without my consent. XXXX XXXX XX/XX/2023.
Product: Debt collection

National Credit System has reported a collection on my credit report that is false and inaccurate in the amount of {$4400.00} of XXXX 2020. I have contacted the credit bureaus directly and they are not removing the collection account per the regulations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. XXXX I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from Equifax on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.