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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXX/XX/XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ;XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX {$800.00} XXXX XXXXXXXX {$700.00} XXXX {$700.00} XXXX {$0.00} These are reported on credit reports fraudulently and I demanded all credit bureaus by letters. 
I've sent my letters in, they have yet to provide me with results. this was almost 30 days ago and still haven't got anything I demanded by law.
Product: Debt collection

My hippa rights were violated. Resolve inc sent me debt validation with my medical information on it including procedures and medicines. My mother in law opened my mail and saw all of my information as well. They have no hippa disclosure included in the letter and I have never signed any type of hippa release.
Product: Debt collection

On XX/XX/2018 I received a collections letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX in reference to an account ( # XXXX ) being collected for XXXX XXXX. 

It indicated an amount due of {$4700.00}. 

I have never done business with XXXX XXXX nor have I ever opened any accounts with this company and I have never requested any credit from this company. 

I sent a certified letter to Transworld Systems Inc. letting them know that I dispute the debt, and I have not heard anything from them since. 

They ( Transworld Systems Inc. ) also did a hard inquiry on my credit report on XX/XX/2018, and I am not certain how they or XXXX XXXX would have my ss # as I have never done any business this company, opened any accounts with this company or requested any credit from this company.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  security freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thank you. 

On XX/XX/2021 I paid my XXXX account in full to arrive at a XXXX balance. Not having any charges, I made no further payments. 

In XXXX  I received a bill in the mail stating I was late in making a payment, and I had a balance of {$30.00}! I called XXXX immediately to see what happened knowing this had to be an error. 

The customer service rep saw that I paid in full on XX/XX/XXXX, and there shouldn't have been any further charges added to my account. I believe he said it was an automatic compounded interest charge or something. Anyway, they erased all the interest and late fees that accumulated after the XX/XX/XXXX date and put my account at XXXX. 

However, XXXX weeks later I noticed on my credit report they had filed a late payment report against me. I've been trying to get them to remove this mark as it resulted from their error, but so far they have not removed it. 

For the past XXXX  years I have had perfect payment record on my credit report for ALL of my accounts. XXXX was no exception. I'm very upset that they've marred my credit report in this manner, especially right now as I've been trying to buy a house for the past XXXX months! This matter is interfering with my ability to obtain a good interest rate for a mortgage. I can't wait much longer for this to be resolved!! Please help. 

Action Steps I've taken since this issue was first brought to my attention : 1. I've called XXXX several times and spoken with agents. 
2. As they requested, I sent many messages through their secure message center explaining the issue to get resolved. 
XXXX. I sent a letter to the main XXXX XXXX in XXXX, to seek resolution. Customer Service told me in late XXXX that the only method was to write the bank itself in XXXX. 
4. I called the bank today to see if there was any news, and was told a letter was sent to me yesterday in the mail. Still no indication they've sent any updates to the credit bureau. 
5. I filed a dispute with XXXX XXXX in mid XXXX  and with XXXX on XX/XX/2021. 


XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Debt collection

I am filing a complaint regarding two different violations. Two of the violations are associated with the same account number but have different amounts. 


XXXX. LVNV Funding Account Number : XXXX Amount : {$800.00} Date : XX/XX/XXXX XXXXLVNV Funding Account Number : XXXX Amount : {$970.00} Date : XX/XX/XXXX I contacted them on XX/XX/XXXX. 

This company is violating my rights by failing to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet they have recorded a collection on my consumer report. I have made previous attempts to resolve this issue directly with them, but they continue to violate my rights.

I am entitled to {$1000.00} for each violation listed above. They must either pay me the amount owed or delete these accounts from my record.
Product: Mortgage

On the date of XX/XX/XXXX I attempted to establish an account with SLS mortgage in order to begin an online automated payment process. The website did not allow me to complete the process as it showed my cell phone number as invalid. I called in person on XX/XX/XXXX at XXXX in order to fix said problem. A customer representative by the name of XXXX took my call, refused to listen to what my problem was and simply tried reading from the script given to her by the company. I explained that the problem existed on her company 's end as my phone number was indeed valid as I was talking to her on that same phone number, the company 's phone system showed her my phone number, etc. After several moments of rude, ineffectual conversation I finally asked to speak to a supervisor so we could escalate this issue and try to reach a solution that XXXX was obviously unable to fix. XXXX refused to escalate my issue and finally put me on hold, checked with supposedly the web techies and came back on the line to tell me she submitted a " ticket '' about the issue and for me to try back in a few days. 
Again on XX/XX/XXXX but at XXXX hours I called back and spoke to XXXX who repeated the same rude. arrogant and condescending actions that XXXX had done to me. XXXX also refused to escalate my complaint to a supervisor, put me on hold, checked with web developers and finally came back on the line to advise that the problem was with the company 's website and that I would have to try again in a few days to reenter all my information again as though I worked for the company. The entire process left me without a method to establish an account in order to monitor my account and make sure that records were correct and give me an ability to pay my mortagge payment on time to keep my credit worthiness in check. A check of the XXXX  site shows numerous complaints about the SLS mortgage company and their failure to properly conduct business in the mortgage industry. A debacle was had in XXXX concerning mortgage issues which led to an almost collapse of the mortgage industry and so I would expect the U.S. government to take this seriously and fix this company 's jerking around of it's forced clients. This company bought our mortgage from another company and is treating us like XXXX in it's dealings with our account.
Product: Credit reporting or other personal consumer reports

I leased a XXXX and before the due date I turned it in early on XX/XX/year>. 
I leased another XXXX. For whatever reason the dealership XXXX XXXX XXXX in XXXX NY was playing games. They didn't turn the XXXX over to Bethpage Credit Union nor did they pay off the balance. Finally it was paid off in XXXX and Bethpage considered it closed but has me noted as late payments for 4 months. I disputed it several times but they rejected my plea. I contacted the XXXX XXXX XXXX XXXX and stated this is poor business practice. Nothing resolved. Contacting XXXX XXXX XXXX XXXX again. No response. I can not be held responsible for XXXX XXXX XXXX poor business practices. I am very stressed about this. This should not happen to consumers.
Product: Money transfer, virtual currency, or money service

________________________________________ Dear Sir/Madam, I am writing to seek your urgent assistance regarding my Coinbase account, which has been blocked for over a year. Despite multiple attempts to resolve this issue with Coinbase, I have not received any updates or guidance on the next steps. I am reaching out to you as a last resort, hoping for your valuable intervention. 
I sincerely appreciate your previous support, which has been invaluable in helping me through difficult situations. Your team is doing an excellent job, and I am grateful for your continued efforts. 
The prolonged blocking of my account has been XXXX XXXX, as it has prevented me from conducting essential transactions, such as adding payments or selling coins. Over the past year, I have submitted all requested documents multiple times without any response or update on my account status. 
I am currently XXXX XXXX XXXX and XXXX, relying primarily on XXXX XXXX. My Coinbase account is crucial for supplementing my income, and the inability to access it has placed me under significant financial strain. 
On XX/XX/2024, I received an email from Coinbase indicating an attempt to change the email associated with my account. I immediately clicked the link provided to secure my account, but was redirected to an unrelated website. Concerned about a potential security breach, I attempted to contact Coinbase, but received no response. 
On XX/XX/2024, I received another email stating that XXXX XXXX was being sent from my account. This was alarming, as my account has been blocked for over a year, preventing any transactions such as selling or buying in my account. I am deeply worried about the security of my funds, which represent my hard-earned savings. 
I urgently request your intervention to help resolve this matter. I am deeply concerned about the potential loss of my funds and would greatly appreciate any assistance you can provide. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting 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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : USDOE/XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Mortgage

Do to mortgage company 's system issue misrepresent that didn't meet all conditions for HUD mortgage assistance due to missed payment during the three month trail of HUD mortgage assistance program I qualified for at the time the system denied the apples. I was told this information by a representative of my Midland mortgage on XX/XX/year>. I sent proof that I did make all payments on XXXX. On XX/XX/year> I followed up with mortgage company to confirm that they received proof of payment in order for them to proceed original HUD application. Per rep XXXX at approx XXXX XXXX  told me that yes they received proof of payment but that they are going to have to renege in moving forward with original application even issue was their system not properly updating the payments on the account. Instead without my consent processed a new mortgage assistance application request. I asked her what was needed to submit a complaint since they are not fulfilling their part of original application contract conditions. She said that she would have to submit it on my behalf and that I could not do so myself. They reneging to fullfil their part of original terms of application which is a breach of contact. I was never sent copy of terms/conditions, checked my inbox message center on company dite to get copy with no avail, and they would only provide conditions verbally. This has had a negative impact due to their systems issues, renigging, and not attempting to comply to original HUD application conditions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XXXX gave me multi inquiry when i shouldnt have the XX/XX/year>
Product: Debt collection

From XX/XX/XXXX - XX/XX/XXXX I worked as an agent for a new XXXX office. 
I was explicitly told by management that for my entire first year, I would not have to pay rent or other office related fees. 
It's common for many insurance and financial companies to charge agents/representatives rent and other fees associated with running an office. 
I remember accepting this job because I thought a first year with no rent was a fair offer for a brand new office trying to establish itself. 

Anyways, I left the company in XX/XX/XXXX for a better job opportunity. 
And I specifically asked my manager, when I gave my notice, if I owed any money to XXXX. 
He told me " No, '' and I thought that was it. And it was, until XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail from XXXX stating I owe them {$1400.00} and that I was delinquent on it. I asked for a breakdown of the charges and an explanation on how they could fail to notify me of an alleged debt of {$1400.00} for well over a year and then threatened me with collections. 

Needles to say, they had a poor explanation for the delay and a majority of the money I allegedly owed XXXX was rent and technology fees ( effectively office expenses I was told I wouldn't have to pay during my first year ). I told the XXXX finance director trying to collect this debt that I disputed it and that I never agreed to these expenses either verbally or in my written contract with XXXX. Furthermore, XXXX couldn't even provide me with a contract that I physically signed. 

XXXX ignored my dispute and didn't respond to any of my concerns. I would have happily paid them back for any charges they could show me I agreed to. 
I figured they would take me to court or arbitration ( part of my contract with them ) in order to collect and I would be able to make my case. 
Instead, they sent my " debt '' to a collections agency called " Stuart-Lippman & Associates. '' My lawyer immediately responded to the collections agent from Stuart-Lippman when he contacted me via e-mail on XX/XX/XXXX about the debt. My lawyer notified this collection agent that the debt was disputed and no evidence of me consenting to these charges existed. I did not sign or consent verbally or in writing to pay rent or other office expenses at all, let alone at whatever rate XXXX charged me. The collections agent sent my lawyer the same few documents that XXXX had already given us ( i.e my " bill '' and employment contract ). None of those documents have me agreeing to pay these charges. 

My lawyer explicitly asked the collections agent to please show and prove where in XXXX 's documents I agreed/consented to these charges. 
Again, I would've gladly paid once I was shown where I consented to these charges and agreed to pay them. The collections agent ignored my lawyers request and reported me to the credit reporting agencies. 

I now have a delinquent/late payment impacting my credit score and it's for charges I never consented to. 
Furthermore, myself and my lawyer have disputed the charges and asked for evidence. Our requests were either ignored or given useless documents that don't prove anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loan with BOA is not NOW nor was it previously being reported timely, there is a consistent XXXX ( XXXX ) month lag and at a XXXX Dollars a month [ inclusive ] that would both reduce my Balance and up my equity but at the end of the day it would ACCURATELY be reflected in the current Credit Score [ XXXX ]. 

The prior error of misapplication of Funds has been resolved. BUT BOA is NOT and has not been accounting for payments received by them ( the account is presently paid until XX/XX/2023 while my report reflects only payments through XXXX ) in a timely manner STILL. 

Early payments PAID MUST be accounted for in real time. JUST LIKE balances must be updated monthly on Credit Cards so must outstanding balances on Auto Loans. So the fault is twofold the Reporting Agency : ( 1 ) Reporting Agency, in this case XXXX, refusing to submit [ again ] part of a prior dispute to BOA which to this day has not been corrected, and, ( XXXX ) BOA for not timely reporting ALL payments received and " cashed '' thereby affecting the " current '' balance and payments through 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card has been closed for over 5 years and paid via settlement. Experience continues to report it as open with a {$950.00} balance. I've disputed this several times only to get results that's say " reported information accurate ''. This mistake by the credit bureaus as well as XXXX has affected my score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts was created without my consent : 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

I have noticed some inaccurate information on my consumer report and would like it removed immediately. Personal information. Only the name, XXXX XXXX should be present on my consumer report. The XXXX XXXX is inaccurate and should be removed immediately. This is personal information and I do not want it shared, which is my right under the privacy act of 1974.. Inquiry on my consumer report 15 USC 1681 permissible purpose I have not given permission for this company to pull my credit report. Inquiry information : XXXX Important dates Inquiry date XXXX XXXX, XXXX Title 15 accuracy of reports. 
There is an inaccurate account reporting on to my consumer report. The account number is incorrect and incomplete. The balance on this account is higher than the actually alleged debt ( proof provided ) this collection account is reporting as open in which this is a closed collection account. This account is reporting {$620.00} past due as of XXXX XXXX which is inaccurate because if this is a collection account no payments were made there for no payment were ever late. So I can not legally reflect XXXX past due. This account has a 1 month term category on this account but this is not a term loan account. This account reflects to be updated XX/XX/XXXX. It is XXXX this account has several inaccuracies and per title 15 and the FCRA this inaccurate account must be removed for violating the fair debt collection and reporting act Account information : Balance {$620.00} Balance updated XXXX XXXX, XXXX Original balance {$620.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Cell Phone This account is not mine. Its not accurate and I would like it removed immediately.
Product: Debt collection

I am filing this complaint against Jefferson Capital Systems for reporting a fraudulent account to the Credit Reporting Agencies ( CRAs ) despite it having already been deemed fraudulent and removed from my consumer report.
Product: Debt collection

I was contacted by Fox collection center of tn. XXXX with Fox was very uncooperative, threatened to keep blemish on my credit report from a fraudulent charge. The company, XXXX Tn XXXX XXXX was contacted by me. I spoke with a XXXX in their billing department on XX/XX/22. He said this was a recurring error with many clients do to a software issue and that there is no record of me owing any money. I explained this to XXXX XXXX XXXX collections, XXXX. She was uncooperative and unwilling to stop collections or contacting me. This is a {$60.00} fraudulent charge!!!
Product: Debt collection

I disputed Santander Consumer USA over a year ago. The account was then removed from my credit file. However, it was reinserted with notifying me via mail! In accordance with the compliance of the FCRA, I am requesting their compliance with any and all of the provisions. FCRA 611 ( 15 U.S.C 1681i ). I did not receive no notification and demand they remove this account from any reporting bureau.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to make contact with the credit bureau Transunion. However, I was not able to reach them. Theres an account listed on my credit report that is not accurate. The type of account is inaccurate. The reporting date is inaccurate, and the balance is not correct.