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

I am writing to dispute the following information that appears on my consumer report : Source of dispute information : XXXX XXXX XXXX Mortgage, Account number XXXX Type of disputed information : Falsely reported past due of XXXX days, and falsely reported payments were missed. 
Dates associated with item being disputed : XX/XX/XXXX present. 
Explanation of item being disputed : o The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
o XXXX XXXX of XXXX, I enrolled in XXXX XXXX mortgage forbearance program due to hardship of unemployment. They informed me that my new adjusted rate would be $ XXXX and the program would last until XXXX. I made all of those payments, and spoke with XXXX XXXX on a monthly basis about making sure I was fulfilling my obligation to them. I spoke with them in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. In every conversation, XXXX XXXX assured me that I had paid my obligation and was in good standing with the bank. 
o XX/XX/XXXX, XXXX XXXX called me and informed me they had removed me from the program due to lack of payment, and that I owed them. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( $ XXXX ), and re-apply to a new forbearance program. 
o Immediately after that call, XXXX XXXX reported to credit agencies that I had not made a payment in over 150 days, and my XXXX XXXX plummeted from XXXX to XXXX. 
o The following week, I contacted XXXX XXXX to request they conduct an internal investigation about my account. XXXX XXXX XXXX was assigned to my case. After conducting an internal audit, XXXX XXXX determined that they were in error. I was in fact up to date on payments, had never had a late payment, and that XXXX XXXX were in error of removing me from the program. They immediately re-enrolled me in the program, however have not resolved their erroneous reporting to credit agencies. 
o XXXX XXXX 's Home Preservation ( WFHP ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a XXXX XXXX customer for XXXX years, and have my mortgage with them. The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls. 


I have reported errors to the credit agencies and attached is the letter and proof of the issue XXXX has created.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act states everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX  Account : XXXX ) Has violated my rights XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX  Account : XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX 
Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX Account : XXXX ) Has violated my rights XXXX ( XXXX Account : XXXX ) Has violated my rights XXXX XXXX Account : XXXX Has Violated My rights XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I have sent several letters, the last one more than 90 days ago, to Experian requesting them to delete an account that is not mine, and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX  ). XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Product: Debt collection

This company reported a collection item on my credit starting in XX/XX/XXXX! I called this beacon was not aware at all about the collection. They failed to called me or send me proper documentation about the collection. Then I contacted them again after the reported it on my XXXX a week later!
Product: Money transfer, virtual currency, or money service

My bank account with chime has had several unauthorized payments for XXXX services that created an issuance of a new debit card. While waiting for the debit card I was without XXXX to my funds so tried to send money via chimes pay anyone service within the chime app On XX/XX/24 XXXX and on XX/XX/24 XXXX was sent to accounts that were never activated and the money was never received. So XXXX of my money hangs in virtual space with no way of retrieving the money. I have called and pleaded with chime customer service 4 times only to be told nothing can done. I have contacted the individuals who have chime account and they said they never received any money. 

I'm asking that this money be returned to me because the funds were never claimed. I am currently waiting on another debit card because of fraudulent activity perpetrated by a few individuals I was helping out who got access to my phone and attempted to steal my money from chime. 

My wallet was taken while helping XXXX homeless women with rides and a temporary shelter in my vehicle which I recently purchased. I have used pay anyone service because I was in a desperate situation and feel that since the funds have never been claimed chime should be able to verify this transaction and confirm that the money is still sitting in these inactive accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX 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

DEAR PORTFOLIO RECOVERY ASSOCIATES, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # XXXX Amount Owed : {$700.00} Original Creditor : XXXX XXXX XXXX 
Date Opened : XX/XX/year>
Product: Credit card or prepaid card

This is regarding the Goldman Sachs XXXX XXXX. 

I received a statement for XXXX totaled at {$490.00}. When reviewing the PDF statement that was provided to me for my XXXX statement, the total was listed as {$380.00}. During the month, I received a {$110.00} refund for an item I had purchased and returned in the previous month. This accounts for the exactly {$110.00} difference between the {$490.00} balance seen in the app, and the {$380.00} balance seen on the actual statement from Goldman Sachs. Rather than being properly subtracted from my total balance for the month, the {$110.00} refund was actually added to my balance -- thus creating the incorrect {$490.00} statement. I noticed this discrepancy on XX/XX/2019, 7 days before my statement was due. 

When I first contacted the XXXX XXXX / Goldman Sachs support team on XX/XX/XXXX, they stated that they understood the error in their math, and that a dispute would be opened and the refund would be properly applied shortly. I called back the next day ( XX/XX/XXXX ) to check the progress on the dispute, and was told that since my payment date was approaching, that I should pay the correct amount ( {$380.00} ) and that if it took much longer to resolve the dispute, that they would refund me for any interest payments that I incurred from not paying the higher/incorrect statement amount. 

On Wednesday, XX/XX/XXXX, I received an email from Goldman Sachs saying that the {$490.00} statement balance was correct, because that is " the total of payments and purchase return credits between XX/XX/2019 and XX/XX/2019 '', without any explanation for the {$110.00} difference between the two statements, and without any reasoning for how they reached the {$490.00} amount for XXXX. Iterating through each individual purchase for XXXX and adding each sequentially amounts to {$380.00}, with a return for {$110.00}, and the only explanation for seeing {$490.00} is that they incorrectly applied the return amount as a positive charge to the credit card when generating the final statement. 

I contacted Goldman Sachs a third time on XX/XX/XXXX, and was told that the email explained everything that they found during their investigation, without any explanation as to where the {$110.00} refund went, and that there was no further information. A few moments later, they then stated that they did see the {$110.00} refund, and to monitor my account for the next few days to see if the problem is resolved then. Since my statement is due tomorrow, I don't have time to wait a few days to see if there is any resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are refusing to address this problem. They are completely refusing to report my XXXX Credit Card which is causing significant damages to me financially. This unethical lack of attention and accountability is beginning to approach XXXX year now of inaccurate reporting and financial damage. 

XXXX XXXX  has REPEATEDLY requested these XXXX bureaus accurately report my account, and we have been met with silence. This is my last attempt at resolving this issue on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion XX/XX/17 about inquirys being removed and also change suffix to XXXX. 
inquiries desired to be deleted, customer service ( Transunion employee XXXX XXXX would not help and take care of the negative inquiries reporting to my credit report
Product: Debt collection

I was evicted from my property in XXXX of XXXX. The company breached contract by not adhering to the mandatory arbitration agreement that was within my contract. The company used deceptive practices prior to the eviction. The company also went on to sell the alleged debt to a third party debt collection company that is actively seeking to extort money from me that was never owed to them. The company along with the third party debt collector is in violation of the Fair Debt Collection Practices Act and the XXXX XXXX XXXX XXXX by purchasing my non public information and causing damages to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies.

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I purchase XXXX XXXX shares of XXXX from www.coinbase.com. This costed a little over 1000 but resulted in over {$100000.00} because in XXXX days XXXX  changed price and went from XXXX to to XXXX. I took screen shots to show what I earned. Then coinbase locked the accounts. Then coinbase changed the original shares brought to around 100,000 shares and put XXXX in in my account. Fraud. When I tried to cash out the money of over 100,000 it would not cash out it it locked up. I reported it to the sec.gov as well. I have all screen shots of earnnings, trying to cash out, cancellation messages and all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXXm really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account HARLEY DAVIDSON FINA which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that HARLEY DAVIDSON FINA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Student loan

I am writing due to a crushing amount of private loan debt that I am stuck under as a cosigner for XXXX XXXX and XXXX, a very low value school that promised my stepson a good paying career that never materialized. I am asking that these loans be cancelled in their entirety. This school has been branded a low value school and all federal loans for this school have already been cancelled in full.
Product: Checking or savings account

XXXX banned 3 of my accounts saying I was committing fraud by trying to open more than 1 XXXX XXXX account. When I tried to explain their AI system automatically banned my account. So in response as I told XXXX I would do I disputed all charges for last 60 days. Now cash app is refusing to refund my money saying I committed fraud which Ive asked for proof and have gotten none. They say I was refunded by XXXX which I asked for proof considering I cant see the transactions because my XXXX XXXX was banned they have provided nothing. On top of which they banned my accounts cash app that is then when I attached my debit card to my sons account they banned both of his accounts which means they are tracking my financial information and then to top it off a complaint I filed with this government agency over the EFT transactions which they stated at the time can not be refunded due to the fact it was a P2P transaction. Theyre new TOS says otherwise which is the same laws and guidelines that the CFPB states should be followed when I asked for a refund they stated it would have to be disputed again. Attached you will find a copy of theyre response to original complaint also the police report that found that the money in question was not authorized as they said in original dispute but a violation of Texas penal code 32.51. Also you will find theyre TOS as it is now in regards to transactions and also disputes and since my account is more then 2 years old theyre 2 months of delays and no one giving me any documents stating what was wrong in my case violates theyre own tos.
Product: Mortgage

Vip mortgage XXXX Arizona is denying a mother who is XXXX XXXX and her children who are XXXX   XXXX a loan. They are stating the mother can't use her childrens awards letters as household income because she isn't the payee yet the children are her kin and the children are drawing from her social security. They all curently and have always lived in the same household. The mother is the primary caretaker. The father who would not be on the loan who is the PAYEE for all three and has no income due to fmla leave because of covid was told he has to be on the loan. Social security states a payee should not be on the loan even but vip mortgage in XXXX states i have to be. Social security specifies that a payee can use funds for the recipients to have a mortage. I belive they are looking at abilty to sell the loan later and denying it because it is an all social security. The mother has an 800 plus credit score, 25 % down, reserves, and no debt with a debt to income below 50 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of the Fair Credit Reporting Act, Violation of the Debt Collections Act, and Defamation of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to JPMCB CARD SERVICES because I am having difficulties with applying for new credit cards. I paid the charge off and do not owe anything, but the marks in my XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting JPMCB CARD SERVICES to remove this paid charge off account from my credit report as a gesture of goodwill.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$000.00}.