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

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party XXXX attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting XXXX for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally FinancialXXXX XXXX XXXX to report my car loan as a closed loan. 

The loan is not closed and the vehicle was not repossessed. 

I have called both Ally Financial and XXXX. 

I have disputed it several times I call one and they tell me to call the other. No one will fix it. 

Both other reporting agencies report correctly The account number is XXXX I have paid and continue to pay the loan on time every month.
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/XXXX - I filed a ticket to Coinbase because it has restricted my account. I am based in XXXX and my account got restricted when I tried to login online from a restricted country. Case reference is # XXXX. I attached my government ID and utility bill as proof that I am a resident of XXXX. 
XXXX XXXX - Coinbase support responded that my case has been escalated to a Specialist and they are working on it. 
XXXX/XXXX/XXXX - no updates since. I filed new tickets but no resolution as promised by Coinbase.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, The following account is claiming that the information being reported is correct. I have previously asked that you investigate this account and show valid proof of the charge off dates, and to delete any information being reported after. This information being reported is consistently being updated monthly, which is a violation of my right. I have disputed this account with all three credit agencies and XXXX has already updated my credit report and deleted the account. Please delete account immediately. When the requested above deletions are made, please mail me an updated copy of my credit report. 

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

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Student loan

I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX Student Loans including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between National Collegiate Trust ( NCT ), American Education Services ( AES ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX Student Loans XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX XXXX Loans, National Collegiate Trust, American Education Services, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Docket Number : XXXX XXXX Department of Court Records, Civil/Family XXXX-County Building XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX Case Number : XXXX
Product: Debt collection

I have contacted Louisiana Recovery Services on many occasions to validate a debt that the company claims i owe to them. There are several accounts that are listed on my credit report that i have no knowledge of. After properly disputing the accounts i received a letter stating that i owe them an amount that is not listed on any of these accounts on my credit report. I was told that i need to validate my own debt and that they would not remove it. The company has not sent me any information as to where these debts come from or proof that they belong to me.
Product: Mortgage

I was working with Amerisave Mortgage and XXXX XXXX on a mortgage. I was quoted one price and at the last minute raised XXXX a month. The agent had no idea nor informed me of the change. He was cashing me out and put XXXX in escrow or so he said. Plus they were charging me XXXX in closing cost which is ridiculous. I was told I would get the money back on the apprasial which apparently I will not. I'm not saying this is illegal ; however, it was clearly misleading with the phone conversations. If you review the phone records that they use for training purposes you will see what I mean. I believe the company was looking to rip me off.
Product: Debt collection

I C SYSTEM is showing up on my credit report stating I owe {$260.00}. there is no contract or anything on file.
Product: Credit reporting or other personal consumer reports

I made several attempts to contact the loan company to correct the inaccurate information, but I received no response. Additionally, Transunion accepted unverified and inaccurate information from the loan company and refused to remove the account from my credit file.
Product: Checking or savings account

On XX/XX/year> my mother and I visited PNC Bank in XXXX, CO to request assistance to close her brother 's bank account. We brought with us a bank statement, a CO Small Estate Affidavit and a death certificate from XXXX, where her brother had passed away. We worked with the branch manager who stated that the documents would need to be reviewed and he would call as soon as that was completed. I did not hear back from the manager and I had to call him on XX/XX/year>. At that time he informed us that an official translation of the death certificate would be necessary and that could be obtained from the consulate or embassy. After many phone calls and research, we discovered that this information was not correct, as consulates or embassies do not provided translation of official documents. My mother had to pay for an official translation of the death certificate and this was submitted to the bank on XX/XX/year>. During this time, the bank reversed a Social Security deposit, as it appears that a translated death certificate wasn't required for that action but also didn't negate the need for us to obtain one to close a bank account with a balance less than XXXX XXXX. Again, no one at the bank returned our phone messages or emails to request a status update. It wasn't until XX/XX/year>, when I went to the branch in XXXX, CO, in person and unannounced, that I received any answers. It was at that time that we were informed that the account had a Payable on Death beneficiary. PNC Bank required my mom to go through the time, effort and expense to obtain this official translation to then inform her five weeks later that there was a POD and she would be unable to close the account. In addition, the bank did not disclose the POD account status on any bank statement that it provided to my uncle throughout the time it was in place, as required by FDIC regulation. I believe that PNC Bank acted in a deceptive and unfair manner in asking my mother to go through this whole process of paying for and obtaining the documentation PNC Bank required only to be told at the end that she would be unable to close the account. I see absolutely no reason why they wouldn't have informed her of this at the beginning of the process. Not only was this horrible customer service, it also resulted in my mother having to pay for unnecessary expenses for a transaction that she was never going to be able to complete.
Product: Credit reporting or other personal consumer reports

I have two creditors saying I have student loans with them. 
One is XXXX who said they sold to Aid Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies XXXX XXXX Transunion Student loans Total balance : {$86000.00} DEPT OF ED/XXXX  LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign a contract with this company and I have no signature or binding contract with this company ARC Management Group , LLC. Therefore I want them to delete account from my credit report! Asap! Or I will take legal action. They bought an account and are trying to charge me for something I do not owe there. Please provide information where I signed a binding contract with ARC Management Group , LLC and also show point of contact. Please delete from my credit report asap! Thank you As of XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back. 
If the collector gets a notice that the letter or message was undeliverable, the collector can't report the debt to the credit reporting agencies unless it achieves communication as detailed above. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ).
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX  of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Checking or savings account

I bank with Wells Fargo and my card was charged {$2300.00} thats with cash apps and other frivolous charges .I then called Wellss Fargo they investigate it just to tell me that the card was used with my person identification number and denied my claim. when I explain to them that it wasnt me at all they caught a attitude and told me take it up with the merchants .I then explain that the card was stolen and its like they didnt care.I then explain to them that card was stolen again and anybody could have used my card with or without the pin again they didnt care
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft afterI lost my wallet on. XXXX XXXX XXXX and I was also a victim of a few data breaches including the XXXX data breach. I have multiple unauthorized accounts on my credit reports, and every time I dispute with the credit bureaus, the accounts always come back as updated. XXXX and XXXX have deleted some of the accounts, but experian always deny to investigate my dispute properly. Their website states it takes 30-45 days to dispute fraudulent accounts, but they always investigate my disputes under 30 days and just update the accounts. I have reached out directly to the creditors to dispute, but I wanted to file a complaint against mainy experian, and and the two other bureaus. What do I do? Also the last four social experian has for me on their site is wrong it doesn't belong to me. I have disputed that as well, and some addresses I never have been associated with, but it never fails, Every time they they update my accounts after my disputes.
Product: Credit reporting or other personal consumer reports

I Found a number of Personal information mistakes on my credit report, and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I noticed fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. I am not liable for the accounts with XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX  ( XXXXXXXX XXXX  XXXX ), and XXXX XXXX XXXXXXXX XXXX  ( XXXX ). I do not have a non fraudulent contract with the creditor reporting this to my credit report. They did not provide me with the original contract as requested.
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 : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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

Subject : Dispute of Inaccurate Information Regarding Closed Accounts with Late Payments Dear Experian, I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed under XXXX XXXX XXXXXXXX - XXXX - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me This is inaccurately reporting on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

FCRA Sections Supporting My Dispute : 15 U.S.C. 1681i ( a ) : Reinvestigation of Disputed Information Under this section, I am entitled to request a reinvestigation of the accounts. If the late payment history can not be verified as accurate, these entries must be removed from my credit file.

15 U.S.C. 1681e ( b ) : Accuracy of Information The law requires credit bureaus to maintain reasonable procedures to ensure maximum accuracy. Reporting late payments on closed accounts without proper verification violates this obligation.

15 U.S.C. 1681c ( a ) : Obsolete Information Late payment information on closed accounts, especially if outdated or unverifiable, should no longer appear on my credit report.

15 U.S.C. 1681s-2 ( a ) : Responsibilities of Furnishers Creditors and data furnishers are obligated to report accurate information. If these entries can not be substantiated with evidence, they should be corrected or deleted.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Venmo Account Handling Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo for their handling of my account. Recently, my account was frozen without a clear explanation, restricting my access to my funds. Despite repeated attempts to resolve the issue, Venmo has neither provided a satisfactory explanation nor facilitated contact with their account specialists to address my concerns. 

Venmo 's lack of transparency and inadequate customer service has left me without access to my money, causing significant inconvenience and financial strain. I am seeking the Bureaus assistance to investigate this matter and to help facilitate a resolution that includes the unfreezing of my account and a clear understanding of why these actions were taken against my account.

Thank you for your attention to this urgent matter. I am hopeful that with your intervention, a fair and timely resolution can be achieved.
Product: Debt collection

I noticed a collection pop up in my credit report in XXXX, I requested an itemized bill and they were not able to produce it. I did not get a notification via e-mail nor postal mail stating I owed this debt, not sure if they send it, what address it was. They do not want to remove this collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several incorrect items that are reporting on my credit file : Incorrect Address information : XXXX XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX and XXXX ) XXXX XXXX XXXX ( XXXX ) The following items are reporting in error or as a result of identity theft : XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$620.00} ( XXXX, TU, and XXXX ) XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$290.00} ( XXXX  and XXXX ) XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( XXXX )
Product: Checking or savings account

The company sends every year a message, saying they could not reach me by e-mail - and foolish enough, they send it by e-mail! A login with the given account number fails with the comment 'we ca n't find the account number. The proposed XXXX number is not available as XXXX-number from outside USA. As living outside USA I also have no Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with Experian, XXXX, and XXXX. They told me if was verified through XXXX XXXX I reached out to XXXX XXXX and it was deleted on their end. I need all three credit bureaus to delete this bankruptcy ASAP!