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

A few months ago I went to apply for credit cards and the underwriting team told me that XXXX and XXXX wasn't releasing my credit file. So, I tried to retrieve my credit information via XXXX XXXX. It was odd that my app kept telling me my credit scores wasn't updating. I reached out to XXXX to see if I had a credit freeze, they said no. Also, they informed me they didn't have a credit file for me which was odd. I had good credit with very little accounts on my credit especially my XXXX. They told me they were going to investigate to see what's going on with my credit file because when I was providing my name and SSN nothing was popping up on their end. Days went by and they informed me they found my credit file, but they did something wrong because they added all this debt and accounts that aren't mine. I have proof prior to the phone call that I didn't have all the debt they put on my credit. This is unsettling for me and my credit journey. They told me they didn't have a credit file for me but when they do finally do they add debt to make a credit file which is against the law. I've had credit history since I was XXXX years old. I attached files where it shows I didn't have all those accounts on my XXXX or XXXX in XX/XX/year> and XX/XX/year>. Now it doesn't make sense. Also, I listed a few laws from the FCRA that this action has violated me and my credit. 

15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Debt collection

In XX/XX/XXXX I paid off a debt to XXXX XXXX XXXX that originated with XXXX XXXX for a XXXX Credit card. The Balance that was due was XXXX, I set up an arrangement with the creditor to automatically deduct {$220.00} from my account on XX/XX/XXXX and another {$220.00} on XX/XX/XXXX to pay of balance and fees that were included. Recently I began to receive collection calls regarding this debt from XXXX but they are saying that the original creditor is XXXX, I explained to the rep that I no longer owe the debt and that it was paid through another collection agency. I recently sent a letter including proof of payment to XXXX but they are continuing to say that I owe the debt. I tried to reach out to XXXX XXXX XXXX and the phone number is disconnected.
Product: Mortgage

I was given the wrong amount to pay for my XXXX mortgage payment. This has already been confirmed by XXXX XXXX ( XXXX XXXX ). Penny Mac has the audacity to charge me a late fee. I want my money ( {$57.00} ) back for loan number XXXX!
Product: Money transfer, virtual currency, or money service

I have attempted to contact Coinbase for over 3 months. I have opened multiple service tickets with them but have recieved absolutely no communication. They have basically stolen my money at this point and I have no recourse to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the informations are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$94000.00} ; XXXX  XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$3100.00}. 


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Product: Credit reporting or other personal consumer reports

According to the information given to us from the XXXX XXXXXXXX, they do not report the XXXX.to the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. 
*************************************************************************************************** XX/XX/2024 Dear XXXX & XXXX XXXX, I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed XXXX case. Upon the completion of a XXXX XXXX XXXX plan the standing trustee files a Final Report and Account with the XXXX XXXXXXXX. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the XXXX As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular XXXX case. In addition to the courts electronic records, each creditor listed under the XXXX plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 

Best regards, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX Trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX
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. 

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 XXXXXXXX, 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 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, credit repair services, or other personal consumer reports

Why is it every time I use my XXXX charge Transunion takes points off my credit score when the balance charged is less than XXXX. Transunion took XXXX  points off my credit score. WHY! There are no missed payments no late payments and between the XXXX of XXXX and the XXXX of XXXX the account balance was paid in full and there is now a XXXX credit. The due date for the payment was XXXX XXXX. 

Who does Transunion think they are XXXX XXXX XXXX? 

Why are the National Credit Bureaus allowed to take points off your credit score when there are no late payments and no missed payments and the balanced is paid in full with in a few days, weeks before a payment is due on the card? 

Are the National Credit Bureaus that desperate to destroy American Citizens credit scores they take points off your credit score every time you use your cards, with no late payments and no missed payments and zero balances on the card? 

It seems the National Credit Bureau reporting systems are illegal and unconstitutional and should be eliminated! 

Return my XXXX  points immediately!
Product: Debt collection

I do not have a signed contract nor any contract with collection agency name I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, AND XXXX Violated -Federal Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates I XXXX never gave XXXX, EQUIFAX XXXX or XXXX my written consent to report any derogatory remarks, hard inquiries and, unverified items on my private consumer credit report, causing me severe suffering. ( see attatchments )
Product: Mortgage

I recently became aware of a partial claim resulting in a subordinate mortgage from XX/XX/XXXX. I was in the midst of selling my home when my lawyer asked me to get my payoffs for my original mortgage and subordinate mortgage. I was expecting the payoff for my subordinate mortgage to be {$31000.00}. I was disturbed to find out that the payoff amount was {$46000.00}. I called the number on the payoff email. That number stated if I wanted to speak with someone please dial another number. When I got someone on the phone, they let me know that there were not one but two partial claims. She helped me understand the portal would have all the documents regarding the partial claims from XXXX and XXXX. I found the documents and reached out to the servicer that was managing my account during that period, Flagstar Bank. 

During my first call with them, I explained what I understood to be the case, I had a loan modification in XXXX and asked why there was a simultaneous partial claim resulting in a subordinate mortgage for {$15000.00}. The loan modification was recorded with the county but the subordinate mortgage was not. I let them know that I felt like the partial claim document was buried in the loan modification paperwork which is why they have the same signature, date, and notarization. After a lengthy hold the explained that the loan modification got me back on track with the mortgage but could not explain the subordinate mortgage. They thought for some reason I had some type of second loan or a HELOC. I requested the documentation for the loan modification, subordinate mortgage, and the history of my account for XXXX. I should have requested the history for XXXX. I received the XXXX document for the loan modification and subordinate mortgage. I had to wait for the history. 

I called to follow up on the history and I was told no one looked at the request yet. I was instructed to email XXXX. They will be able to expedite my request. That same day I received documents from them the same day. Much of the information was screenshots that weren't 100 % clear so I sent an email to XXXX to get answers. The response I received was they were not willing to answer any questions.
Product: Checking or savings account

My check fraud claim was denied because lack of ordinary care. Chase stated that I have a previous claim in 2014 and did n't close my account so this claim can not be approved. However this claim is because stolen checks and complete unrelated to the last one, even if I opened a new account, the stolen checks will cause the same issue.
Product: Credit card or prepaid card

I have a Southwest Airlines Rapid Rewards credit card through Chase Bank. The " XXXX '' credit card that I have through Chase for Southwest Airlines gives me certain benefits every year. One of those benefits is four upgraded boardings. The way this works is that I purchase an upgraded boarding on the day of my flight and Chase immediately refunds the money I paid for the upgraded boarding ( the average upgraded boarding costs {$60.00} ). On XX/XX/ my flight from XXXX to XXXX was canceled by Southwest. I had purchased an upgraded boarding for that flight. Per Southwest Airlines policy, the upgraded boardings do not transfer if a flight is canceled. However, while I received my {$60.00} refund from Chase, Chase did not return the upgraded boarding itself. In my Chase Rapid Rewards account it is showing that I used the upgraded boarding on XX/XX/XXXX, when in fact I did not fly at all that day. I have spent the last four months calling Chase and Southwest multiple times to try and get help to reset the upgraded boarding tracking. Chase is unwilling to give me my upgraded boarding credit back, even though that is part of the contract of the Rapid Rewards credit card. I use all four of my upgraded boarding credits every year, so Chase is taking away one of those that I would have used. I pay a higher membership fee for the XXXX card from Chase to get this benefit. They have made no attempts to make it right in any way, and in fact, I get the run-around from Chase. They tell me it's not their issue, but Southwest Airlines. However, Southwest Airlines does not track the usage of the upgraded boardings, only Chase. I have escalated this matter and still no one even attempts to reverse the upgraded boarding credit in my account. Chase is telling me that since I got my money back, they won't do anything else. However, the four upgraded boardings is part of the agreement/contract with Chase for the use of this card, so Chase is violating its contract with me by not returning the upgraded boarding. 

Right now my Chase Rapid Rewards account shows that I have used two of my four upgraded boardings for the year. However, I have only used one of those two, since Chase is refusing to credit back the one for the flight that was canceled. 

I would appreciate any assistance in trying to make this right. Thank you.
Product: Student loan

X/XX/2017 - I logged into my account to check the amount I owed this month and the amount had nearly doubled. I checked the interested rate, and it was n't that much more than it was the prior month. Furthermore, I decreased the amount I owed below what the original loan amount was, so it did n't make sense that my loan payment amount nearly doubled in the course of a month. 

I have n't spoken to the lender yet because I am worried they will deny it. I 'm concerned that I am being punished with higher payments because I pay more than my minimum monthly payment. Basically, I think they are punishing me for trying to pay my loan off early.
Product: Credit reporting

XXXX showed up on my inquires on my credit report did not apply for credit with XXXX
Product: Credit card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

Westlake financial was sent a letter regarding incorrect and inaccurate reporting to my credit report. They are falsely reporting 60 days late on XX/XX/year> to which I alerted them of. The company dismissed the issue stating the information is accurate even though the information is clearly available in previous statements. I have attached a copy of my XXXX credit report, a copy of the letter sent to several Executive employees as well as their negligent response.
Product: Debt collection

Sunrise credit services XXXX is trying to collect a debt that is not mine I was never contacted by sunrise credit services before they turned it in to the credit bureaus and damaged my credit, Ive let them know that this debt is not mine that it has been discharged before by optimum because of identity theft and that sunrise isnt the first debt collection service that optimum has used to try and collect and that optimum knows that it isnt my debt and that it has been discharged
Product: Debt collection

There was a credit account open on XX/XX/2021 in the amount of XXXX XXXX XXXX  which then sold it to Midland credit management. Now Midland Credit management is now suing me for this amount. Both companies never sent me Any kind of letters about the account to dispute it other than Midland credit management sent me a summons Suing me for this account on XX/XX/XXXX XXXXI have no knowledge of this account.
Product: Debt collection

The false claim is regarding an emergency visit I had made to XXXX XXXX XXXX on XX/XX/XXXX while traveling in United States. There was originally an error on behalf of XXXX XXXX XXXX XXXX. They had sent the physician bill to a wrong insurance company due to incompetency of their computer system in comprehending XXXX addresses. The Hospital had sent their bill to the correct address and they had received their payments without any issue. The issue with physician bill was finally resolved and it was also paid in full amounts and confirmed by a XXXX XXXX XXXX XXXX representative. However, during the process XXXX XXXX XXXX had sent a false claim to XXXX, a debt collection agency as well. Through correspondence with XXXX, XX/XX/XXXX, I made it clear with evidence, that the debt had been paid and if they had any remaining claims they needed to provide evidence to me. They finally stopped harassing me. I had assumed everything had settled until XX/XX/XXXX I received another call, this time from Affiliate Asset Solutions, another collection agancy, followed by a bill sent to my sister 's address in United States, repeating the same false claim. The new creditor on the collector bill was PENDRICK CAPITIAL PARTNERS who had apparently purchased the unfounded debt. Once again, I enclosed the documents from my insurance company that showed they had paid both hospital and physician bills in their full amounts and faxed them to XXXX XXXX XXXX. I am enclosing these documents here as well. After faxing these documents to XXXX XXXX XXXX, I also confirmed through phone that they have received my fax. Furthermore, the representative gave me the impression that the issue was resolved. However, on XX/XX/XXXX I received yet another call, this time from XXXX XXXX XXXX, XXXX, followed by another bill sent to my sister 's address in California, repeating the same false claim on behalf of PENDRICK CAPITIAL PARTNERS. I really hope you can help me put an stop to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/, SYNC/Ashley/Furniture is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says ( Company name ) is a furnisher of information to a consumer reporting agency. 
SYNC/Ashley/Furniture IS PROHIBITED BY LAW to furnish inaccurate information. I demand SYNC/Ashley/Furniture to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something SYNC/Ashley/Furniture have caused me and my family severe harm due to your negligence and inaccurate reporting. Cure and DELETE This is an Erroneous, inaccurate account SYNC/Ashley/Furniture need to Cure and DELETE this from my Consumer report. 

I sent a dispute letter to SYNC/Ashley/Furniture on XX/XX/XXXX  and requested they remove the inaccurate reporting of income on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX )
Product: Debt collection

I found some fraudulent accounts on my credit report that are affecting my credit.
Product: Credit reporting or other personal consumer reports

I sent a COMPLAINT with the CFPB asking TransUnion, to investigate my accounts. Here are my COMPLAINT numbers : XXXX It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. because they did not get back to me within 30 days from the original claim, Because the list of accounts below is not accurate. the open date, date last active, and date of last payment are NOT 100 % accurate. 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. 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 an 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 or 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. they did not modify or delete the inaccurate information on my consumer report In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), I have all the evidence attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.