23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im trying to get this credit report off off my credit report Ive been trying to do so for so long and they still have it published to the public so its messing me up in the long run and I know the law is : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Product: Debt collection

I have disputed with diversified consultants regarding a debt that theyve purchased from XXXX that this is a debt not owed to me. I have requested for this debt to be validated, but I have yet to receive validation of debt from this company. It is the companys duty to validate any debt that is believed to be owned by a consumer.
Product: Money transfer, virtual currency, or money service

I have been trading cryptocurrencies for a few years on Coinbase and CoinbasePro. My account has been locked however since early XXXX - for some reason I can not sell or withdraw my assets which are worth about {$15000.00} ( XX/XX/XXXX ) I have opened multiple tickets to get this matter resolved with Coinbase but they just sit on it for 20 days and send a response saying issue is resolved and just close the ticket. I have opened at least 6 tickets with no resolution. 

At this point I feel they are illegally holding my money without any form of communication. I need your help in freeing up my money so I can withdraw it forever from Coinbase.

To reiterate - I have money in Coinbase and Coinbase Pro. They are both locked since early XXXX. After a month of opening tickets and reaching out to them - I have no resolution and instead they send me automated responses falsely claiming that they resolved my ticket and end up closing my tickets without any actual resolution. This is quite frustrating and to me it seems illegal. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on XXXX occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the 3 reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect information.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is XXXX XXXX XXXX and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX   XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report With XXXX XXXX that I have been dealing with for over a year I turned in police report and identity theft Affidavit to the company and the credit reporting agencies All except Equifax has removed this account from my report a year ago and I provided them all information need to show this was not done by me Ive been disputing this account asking if they feel like this account should be on my account to show physical proof of a contract with my signature on it no one can provide this
Product: Credit reporting or other personal consumer reports

This accounXXXX XXXX XXXX  account # XXXX is a checking account that was negative {$17.00} and went into charge off I have paid the full balance off but this account is still reporting on my credit report as negative remark and its destroying my reputation and borrowing power with other lenders this is This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692.This is a Checking account charge off not a credit obligation contract example ( Credit card, personal loan, Car Loan ) so this shouldn't be reporting on my credit reports XXXX i'm requesting all credit agency 's ( XXXX, Equifax, XXXX ) to remove and block to account from future reporting onto my credit reports immediately. 

I will Below attach my proof of identification for all credit agency that's mentioned in this dispute.
Product: Mortgage

I was with XXXX XXXX XXXX for 8 years and they sold me to Carrington Motrgage. I have requested a modification due to unemployement and turned in the package as of XXXX/XXXX/2016 with new income from employment. It has been more than 37 days and have not received a call for a work out or anything. They mailed me a letter yestersday stating that they still need more documentation after they have said they have everything? They are needing proof of occupancy from us? They have are address on the bank statements and other paperwork? They are also requesting that we show earnings? We have that listed on the profit & loss that we submitted with the package XXXX days ago and they said it was fine? On the other hand, XXXX XXXX XXXX started this whole thing when they denied me for a modification after I showed them 30 days of check stubs for new employment and sold me to this bank that is known for being unfair with the XXXX Consumer. They sold the mortgage in XXXX of 2016 to Carrington and they have delayed the process of the home retention program.
Product: Vehicle loan or lease

We purchased this vehicle around XXXXXXXX XXXX it's a XXXX XXXX XXXX at a local dealership in XXXX XXXX. Our credit wasn't very good and the dealership was able to get us approved but they never told us about the finance company and Interest rates until we got to the dealership and signed the contract. We've been doing well up until 3 months ago due to lack of employment on my part and my girlfriend has to pay for everything like rent and food and utilities and gas, etc. The finance company is Credit Acceptance Corporation and for the last few months they have been constantly calling us none stop all times of the day and weekend. I've told them on several occasions to cease with the phone calls but they constantly still call any way. We tell them about our situation and that we'll pay what we can when we can but they still call. Our interest rate is so high that it doesn't seem like I've been paying anything. Clearly we're in an upside down loan and we've put in too much money on this car since we bought it in XX/XX/year>. I would like for the harassing phone calls to stop and I would like to get out from under this terrible car loan.
Product: Credit reporting or other personal consumer reports

I have a fraudulent loan with XXXX XXXX  of {$3000.00} and it has been under investigation since around XXXX XXXX. XXXX XXXX Continues to not help or resolve the case and it is continuously hurting my credit. I have put in fraud claims with XXXX XXXX, XXXX police  on XXXX XXXX and with be going today to put in a report with XXXX XXXX Superior Court. I am requesting this loan to be taken off my credit because it is not my loan and I am not at fault.
Product: Credit card or prepaid card

XX/XX/XXXX i made a purchase at XXXX XXXX  in XXXX for XXXX which was authorized by me. then on XX/XX/12 with no explanation DIRECT XPRESS made a debit card adjustment in the sum of XXXX and this amount was deducted from my account again. i do not want my card cancelled. i would like the debit card adjustment returned to me. i spoke to the merchant and they did not have anything to do with this and direct xpress can not explain it. I DO NOT WANT MY CARD CANCELLED BUT RATHER THE DEBIT ADJUSTMENT REVERSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

SInce XX/XX/2018, I have been disputing incomplete, inaccurate information. Some of the items have been removed, some come back, and some have been completely ignored. These accounts have not been verified 100 % and I am asking that the credit bureaus remove all unverifiable information and correct my personal information. My credit seem to be mixed up with someone else, So therefore I am also providing my ID with my correct name, address, and dob. Please correct my information and remove all of these unverifiable accounts this is hurting my credit. 


EQUIFAX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX  Account Number : XXXX, Account Number : XXXX, Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt collection on my credit report for about {$49000.00}. I have disputed this over and over for the past 4 years and every time it gets sold to a new debt collection agency, I have to do this same song and dance. I have already contacted the agency and they informed me that they have advised all the reporting agencies to remove this debt. I am attaching the letter from the agency. I have already tried disputing online and via mail with Transunion and they refuse to remove this debt. 

This is negatively impacting my ability to receive loans and apply for employment. I need this handled ASAP.
Product: Debt collection

After seeing a reported collections amount on my credit report in the amount of {$1000.00}. I contacted Credit Control Corporation to understand further. They sent me a bill of {$1300.00} on XX/XX/XXXX to which I sent a validation later via US mail on XX/XX/XXXX to their po box . It was not returned and thus assumed delivered as addressed. CCC has still not sent me a validation package validating this debt of {$1300.00} they say I owe. It's been over a month now, the collections item hasn't been investigated at all, nor have I recieved validation that I owe this debt. This reported collections bill has taken a toll on my everyday life as I am trying to find a home and I would like to get the issue resolved as quickly as possible.
Product: Checking or savings account

Even when there was no money on my checking out charges were still allowed to go through and I was charged overdraft fees per each occurrence.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
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 and deceptive, as they 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 previous violations.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please delete/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX  XXXX Balance Owed : {$33000.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items.

XXXX 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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan w XXXX XXXX XXXX a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to XXXX XXXX and myself - I called XXXX and explained-I asked to endorse check and send to XXXX and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - XXXX agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - XXXX reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w XXXX issue XXXX replied Cfpb has numerous complaints on XXXX concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/XXXX I want my credit corrected or I'll sue XXXX For false pretence and verbal fraud of financial instrument -
Product: Mortgage

I have been making payments on time every month. Movement Mortgage has not been posting my payments correctly. I agreed to the amount of {$1700.00} not {$2300.00} plus a month. I have been receiving late notices and charged fees for late payments which in turn are not late and they have been reporting this to the credit bureaus.. Movement added home insurance well over {$4000.00} which has caused a tremendous increase. When I complained about it the response I received from XXXX XXXX was my best bet is to try to find cheaper homeowners insurance. I told him m y insurance was cancelled due to not fault of my own, nevertheless my initial mortgage payment was on {$1600.00} movement increased it when I became employed 9 months ago as I fought the foreclosure, now they have raised to well over {$2300.00}. 

Another thing il MM informing them that I will pay the taxes on the home myself. I was called by one of their associates informing me that I can not pay the taxes it has to be paid by them, which is not true. There is no law stating that property taxes can only be paid by the mortgage company. Why would I let them pay the taxes knowing that there is not enough escrow to cover the taxes? Meaning once again they would try to increase the mortgage payments to cover the overage.

The reason for this complaint is simple I do not have over {$2300.00} a month which is over a {$600.00} increase to the pay the mortgage. That is not the agreed upon amount. Furthermore, my account needs to be fixed to reflect that my payments are indeed on time and all late charges need to be removed at well as all late payments that have been reported to the credit bureau needs to be removed. I will continue to complain and take it further if I have to but I will not be paying over {$2300.00} a month for the mortgage. 

Also, it is still posted that my home is up for foreclosure at the court house that too needs to be corrected I am tired of receiving calls and letters from people trying to purchase my home
Product: Debt collection

The Walla Walla Collection Bureau keeps trying to garnish my husband for an account that was already paid for. This has been ongoing for at least 5 years. We fight with them about debts that have been paid and they re ask for payment. This time I was fed up and took them to court, the judge ruled in our favor and dismissed the garnishment and account. The collection agency has NOT been reporting anything OTHER than it is still OWING. I am getting frustrated because we are tying to buy a home and these people keep reporting negative. I have a ton of documents proving they had already garnished him and things have been paid. The account I need them to take off is for a XXXX for XXXX. This is the debt we need taken care off.
Product: Debt collection

Called multiple times over the years for a debt occurred during previous marriage in 2004 from AMERICAN General Finance for an amount of {$2300.00}. This was all settled when exwife sold the home and moved out to her new home bought by parents. It has never been in my credit report and with interest they are placing it my report and threaten to garnish wages, etc for next 10 years. The company calling is XXXX XXXX XXXX out of CA. This debt is not owed and I am not paying something to a company in a state of crooks.