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

I cancel service with XXXX XXXX in XX/XX/XXXX. 
I should have received a refund for XX/XX/XXXX Service - Since monthly bills are paid one month in advance, and i paid my XX/XX/XXXX bill. 
Instead, they re-billed me for XXXX, and said i have a balance due of {$120.00}. 

They reported to the credit companies, and have damaged my credit. 
They re-reported it in XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting a non-existing account to the credit reporting agencies. I do not owe this collection agency ; I have never signed a contract with this collection agency. The collection agency is trying to collect a debt that is over 7 years and 180 days. The collection agency is fraudulently trying to collect on a debt that does not exist or belong to me. The collection agency has not supplied the first delinquency date to prove the age of the debt, nor have they provided any of the requested validation of debt information.
Product: Debt collection

I moved out of my apartment at XXXX XXXX in XXXX on XX/XX/2022. I received a Final Notice of move-out charges totaling {$390.00} on XX/XX/2022, which was also the first notice as I received no other correspondence regarding this matter either through email or regular mail. They are trying to charge me for upkeep of normal wear and tear, specifically replacing a carpet. Both the terms of the lease and Florida law state landlords are responsible for maintenance of normal wear and tear. I started the dispute process with the landlord through email, and they were unable to provide me with information on why I should be charged to replace the carpet. The only explanation they were able to give me was that it was " excessive wear and tear '' and the carpet 's " usefulness '' had been used up, but were unable to provide specifics on either of these descriptors. In the middle of me disputing these charges my previous landlord stopped responding to me on XX/XX/2022. After not responding to me for 2.5 months, the landlord sent my account to collections and is now saying I have to bring up all disputes with the collections agency. I believe the " debt '' the landlord sold and the collections agency is pursuing is illegal. The collection agency also did not provide me with their license to collect debts in Florida after I formally requested it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 1. XXXXXXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXXXXXX XXXX Account NumberXXXX 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
Product: Vehicle loan or lease

Lendmark Financial Services financed a loan using the title to my 2013 XXXX XXXX XXXX as collateral on the loan. The first time I signed the loan, I informed the rep that I didn't want the extra insurance that they added on anyway. So I ended up having to call another company just to get that refunded weeks later That was the first issue. The 2nd issue was that I remember looking at the interest rate and it being around 19 % throughout the loan period. However, the last time I refinanced the loan ( which is supposed to bring an interest rate down, in my opinion ) It increased to nearly 30 %. Which the representative never explained to me. A few months after that, my vehicle was towed from my apartment complex and I was forced to pay almost {$350.00} to get it back. So I explained that I wasn't able to make the payment for that month but I would try and catch up as soon as possible. I ended up paying that month late but then I noticed the interest rate. And that I was upside down on the loan already with it being that high. Then one day out of nowhere, I get an email from Lendmark to follow a link and sign a deferral form. Something I never ask for or requested them to complete. When I emailed back regarding the unrequested form, I was told I had to call in because my information couldn't be discussed over email. But they had sent the email and requested this without my knowledge! After that I felt like something shady was going on with the company so I stopped payments on the loan. Then I moved and 2 days after I moved, I sent an email to the branch manager telling her where the car was and that she could come and repossess it since thats what they were threatening. Much to my surprise, four months later, my old apartment complex calls me asking me what I'm going to do with my vehicle. They never went and repossessed it. Finally after sending emails and making phone calls, I was told that it wasn't worth them repossessing. However the loan has been in collection status and shows repossession for months before that. They actually closed the loan off without deducting the amount of collateral from the loan because they never went and got the car. The amounts are incorrect, the whole way they went about it seems fraudulent to me, and the damage done to my credit is unrepairable.
Product: Debt collection

In 2022 i started a bankruptcy process based on my living situation with me not having a job and husband having a XXXX. I retained a lawyer and all XXXX was notified that there will be a bankruptcy hearing. I took pre bankruptcy course. Yesterday XX/XX/XXXX - someone served civil court papers to a minor- i thought its very illegal move? I called Rubin and Rothman at XXXX and asked how dare you serve something to a minor - I spoke via help of my relative and they were not too nice. They should have not harrassed me or especially a minor who is XXXX XXXX XXXX. Its a disgrace.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint under ID XXXX disputing the items on my credit report with Equifax. Their response to you was that they needed more time to investigate and i received a letter saying that they are refusing to investigate or re-investigate. I am in disagreement with the items listed below which still appear on my credit report. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX  XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX XXXX / Account # XXXX XXXX. XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX / Account # XXXX XXXX. XXXX XXXX / Account # XXXX XXXX. XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX / Account # XXXX Furthermore, In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Thanks, XXXX XXXX
Product: Credit card

Literally, bounced between useless employees for hours, finally got someone at XXXX rewards who told me all the money ( {$2000.00} ) would transfer to my linked checking account on XX/XX/year>. 
This is unrelated to the {$82.00} that they did transfer to my checking account at XXXX XXXXXXXX XXXX XXXX XXXX ending in XXXX. 
Instead, by texting through their website, XXXX said that they transferred the amount to our XXXX XXXXXXXX plan. 
Credit card company and XXXX have no one in authority to speak to, and ongoing texting with XXXX has not solved the problem. 
The XXXX website says online that the XXXX plan was never completely set up. If we had set up completely, it would have been over 10 years ago. 
XXXX says that it was sent to the XXXX plan ending in " XXXX '' which is an active XXXX plan, however, XXXX plan says it was not received as of today. 
There is no one to talk to at XXXX or XXXX XXXX card Additionally, the texting activity has disappeared from the XXXX website, so there is nothing that I can send you.
Product: Debt collection

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Student loan

I was notified via XXXX different letters one received in XX/XX/2024 and one on XXXX XXXXthat I had to pay my student loans back for XXXX and it was due on XX/XX/2024. I go on the app to make a payment and it's saying I over over {$800.00} and I noticed that my repayment plan was not the same as what I signed up for. I called Mohela to get this resolved and they said nothing they can do on their end as they been having payment issues and bill issues. The customer service rep said I should pay what I got the bill for in the mail and I asked what would happen to my credit as I will be making a partial payment to which Mohela said that there is nothing they can do about a hit to my credit for defaulting due to their mess up. Now I'm trying to make that partial payment and there is no where on the website to make the payment, I tried calling in to talk to someone and was told by the automated message to call back later as the hold times are too long. I called the automated line to pay that way and it doesn't let you make a payment it just sends you in a loop and I am unable to make a payment. Now I fear my credit will get hit a default and late payment against my control.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this items. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX Balance XXXX {$11000.00} XXXX  XXXX Balance : {$580.00} XXXX XXXX  XXXX Balance : {$6100.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : XXXX  XXXX XXXX Balance : XXXX  XXXX XXXX Balance : XXXX  XXXX XXXX Balance : XXXX  XXXX XXXX Balance : XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 XXXX XXXX XXXX XXXX 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

I

am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Despite the multiple previous written requests, the CAPITAL ONE account still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy reporting associated with my name and identifications. It has come to my attention that the credit reporting agencies are reporting an alleged bankruptcy, which I believe to be inaccurately attributed to me. Under the Fair Credit Reporting Act, ( FCRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. As you are aware, the FCRA requires that all the information reported by the consumer reporting agencies be accurate and verifiable. If you can not prove documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within 30 days of my dispute, per FCRA guidelines. Failure to correct or verify this information constitutes defamation of character and identity theft. If you fail to act, your willful non-compliance will cause me no choice but to pursue legal action. Please update me with the results of the investigation and immediate deletion. I would also request you contact the credit bureaus ( XXXX, Equifax, XXXX, XXXX ) and have the entry deleted from their records as well immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because this company is reporting outdated, inaccurate, unfair information on my credit report. I have disputed this account on multiple occasions an nothing was never sent to me to verify or validate this debt. I 1st disputed this account back on XX/XX/XXXX.Then after no response I disputed it again on XX/XX/XXXX.Its now XX/XX/XXXX and I still haven't received sufficient verification on this XXXX XXXX account they are reporting. I also have proof that the other 2 main credit bureaus have removed this account because it was reporting incorrect on my credit profile. Why is Transunion still reporting this information? According to the FCRA all accounts reporting on my credit report should be accurate and verifiable.
Product: Debt collection

Beginning approximately six weeks ago with weekly calls, now someone calls me nearly every day from the number XXXX and leaves a message stating that they are from " XXXX '' and are calling to collect a debt. They say to call back at the number XXXX. I have called both of the numbers back, and first it says I have reached a " non-working number '', then immediately rings again and a recording states that I have reached " Navient ''. Once, after going the long way through their IVR, I finally got to a person, who immediately asked for my SSN. I refused to give it to him, because this obviously sounds like a scam, and asked why they keep calling me. I was told that they ( Navient ) deal in student loans, and I told him that I have never had a student loan. He then confirmed that they have no record of my phone number tied to any account in their system, and also said that they are not affiliated with any company called XXXX.
Product: Money transfer, virtual currency, or money service

I received a Coinbase XXXX  card in the mail today but I never applied or requested one. I don't have any cryptocurrency and didn't even know what Coinbase was. An account must have been created fraudulently in my name. I called the cust. service # on the information provided with the card but the automated system will not connect me with a live agent because the phone # I'm calling from does not match a Coinbase account. I also submitted a support form on their website and received an email advising they can not help me because my email address does not match a Coinbase account. I also submitted a request using XXXX to their XXXX account @ XXXX, but have not received a response. 

I had my wallet stolen a few months ago and placed a fraud alert with the credit bureaus. 
I'm concerned this may be an ID theft attempt. I pulled my credit reports today and did not see any suspicious activity.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts previously and have not received dispute results or methods of verification. My consumer rights have been violated multiple times for years now. There aren't remarks on my report that indicate XXXX of the accounts had been disputed. I have received results of my dispute nor have I received the method of verification. It has been well over XXXX days since I originally disputed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

bad warranty, both companies have violated my rights per the FCRA : they have violated the truth in lending act, consumer laws : it's being reported to all three credit reporting agencies in their affiliated third party agencies XXXX XXXX XXXX XXXX XXXX XXXX 

*Credit Acceptance, has continued to charge illegal fees, reporting amount, not accurate. From charge-off in XX/XX/XXXX, then change to ( open ) status past due {$14000.00} when vehicle was involved in accident XX/XX/XXXX. CAC has reported each month from XX/XX/XXXX as past due with {$0.00} amount due each month, updated balance from {$14000.00} XX/XX/XXXX - XX/XX/XXXX, increasing by {$10.00} to {$14000.00}. As of XX/XX/XXXX balance increased to {$14000.00} to allow the loan to remain as a open status on all three credit reporting agencies reports. Once a loan reports as a charge-off in sold to a third party lender, it can not report as ( open ) on any report. This account has been issued to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

XXXX XXXX XXXX credit card was not open by myself, they continue to report to all three credit reporting agencies and their affiliates inaccurate information, fraudulent company names to each reporting agencies. 
They are listed as : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sold to XXXX XXXX XXXX XXXX each company uses the same account loan #, but with different open dates balance of {$440.00}. 

FCRA promotes the accuracy, fairness, and privacy of information in the files. Under these laws as a consumer all my rights was violated.
Product: Credit card or prepaid card

5 months ago I realized I am being victim of Identity Theft caused by the Cyber hackers. I scrutinized all reports from CRAs and found out several fraudulent accounts were opened without my knowledge. One of them is XXXX/ XXXX account which was opened and being activated in period time XXXX-XXXX with current status Charge-off. Following the instructions of the solving process, I filed complains as victim of Identity Theft with FTC report, Police Report, Victim ' Complain and Affidavit with Police Sheriff Dept, FBI IC3 complain, as well as with all financial institutes that have bank cards involved. In dispute I declared the accounts resulted from Identity Theft and enclosed all documents as evidence. So far some fraudulent accounts are satisfactorily resolved and deleted from CRAs. However, I ve still been struggling with CBNA for back and forth disputing of an account without solution. They insisted the fraudulent account opened under my name and I am the one who is benefit from card services. CBNA never properly responded or showed me the legit investigate process to have their conclusion in correspondence though I requested CBNA validating all verifiable terms in dispute letters to prove whether the account is mine or to show how the cards was used. They only sent me the original application and 6 months bill statements. The application is showing a fake signature of applicant which is not even close or similar to mine. The statements showed the bills was being paid automatically by a bank that I never had or associated with. I think this is enough, In the past 5 months I sent out 5 dispute letter to CBNA fraud Dept and they ran 3 times re-investigation for the same conclusion : " I was the who benefit from card services '' without explaining how they did with investigation steps. I decided to go forward with CFPB complain and probably a lawsuit with General Attorney office for their lack of cooperation in this matter.