23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

dates : XXXX XXXX XXXX at different times. the company is XXXX ( american coradiaus international LLC. this company has been contacting me on behalf of my debt with XXXX XXXX savings bank. i agreed on an amount to be taken out of my checking account but i do not feel comfortable with giving this type of information because they could be scamming me. i already gave them the checking account and routing number but i do not think they should have asked for this information. and they do not give me the full account numbers for my past due XXXX XXXX XXXX bank accounts, only the last XXXX digits. i would like for this company to not go into my bank account and not take anything out. i am a XXXX veteran and do not feel well at times. please inform them of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX
Product: Debt collection

On XX/XX/XXXX I made my final payment to XXXX services for my CITI credit card. I received a letter stating they will be reporting to CITI that my account has been settled and paid in full. CITI has yet to act and report to the credit bureau that this account has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

I received a registered letter from Midland Funding LLC on XX/XX/XXXX informing me that due to a court ruling against me in XXXX, my paycheck will be garnished to pay a debt. 
This was the first notification I had ever received. 
The person who was referenced on the court record was at a different address in a different city than mine. I have lived at my address for almost 30 years. 
I filed a fraud report with the XXXX County Sheriff 's Department in XXXX, Ohio on XX/XX/XXXX. The report number is XXXX, and it is attached to this form. 
Midland funding is requesting a signed, notarized affidavit from the FTC, but they are providing no information on how to get that affidavit. 
So I am filling out this form and attaching the report in hopes that I will receive the affidavit that they require. 
Also, upon looking at the history of this account on Midland Funding 's website, it appears that the person who owes this money has made 2 payments in XXXX. I have never made payments toward this account, since the first time I learned of it was on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 received a letter from the XXXX XXXX XXXX. I called to inquire, gave them some information then stopped before they could do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX two student loans appeared on my credit report from Nelnet. I contacted the company and disputed the student loans as I was unaware of them. I asked for the document on the loan. The name they stated on the loan is XXXX XXXX. I advised my maiden name is XXXX and married name is XXXX never XXXX. I then disputed on my XXXX XXXX. The disputes were won on Nelnets end. I requested documents again from Nelnet they sent me over to federal loan number who said its in the system but there is nothing on the loan as for identification social card nothing. I told them that it is not my loan they said they don't have anything no documents or anything. They advised me to dispute with Nelnet again I advised they are a dead end. NelNet said the loan is from early XXXX 's I am XXXX XXXX XXXX why would this loan pop up on my credit that doesnt belong to me well over XXXX. I continued to put the loan in deferment to avoid it harming my credit. This account is fraud and I can prove my birth certificated that is XXXX and marriage license that is XXXX along with social security cards that indicate that. Nelnet refuses to provide documents valid documents to me about this fraudulent accounts. I am concerned they are going to damage my credit if I dont continue to put the loan in forbearance. I dont know what else to do, I am being forced to take on a loan that isnt mine.
Product: Money transfer, virtual currency, or money service

The company I'm complaining about : Gemini Trust Company , LLC Address : XXXX XXXX XXXX, XXXXXXXX XXXX 

XXXX XXXX XXXXXXXX XXXX, Recently, I received a letter from the XXXX XXXXXXXX XXXX XXXX ( XXXX ) stating that I owe over {$140000.00} in taxes for XXXX, with the payment due by XX/XX/XXXX. It is a final notice before XXXX and XXXX. I was shocked, so I contacted the XXXX, and they advised me to ask XXXX to update my address to XXXX on the XXXX Form XXXX. 

As a XXXX resident who has never lived in XXXX, I believe this discrepancy has caused the tax issue. 

I used my XXXX drivers license to register my XXXX account a few years ago to trade cryptocurrency. The address on the XXXX Form XXXX should have been my XXXX address. 

As the XXXX XXXX XXXX on XXXX website isn't available to review. So I contacted XXXX  support on XX/XX/XXXX about the address error, after that, I received a response indicating that they would reach out to me once they have an update. It's been over XXXX days, I haven't heard from them yet. I believe this issue from the incorrect address on the Form XXXX should not be difficult to resolve, especially since XXXX submitted the XXXX Form XXXX to XXXX. 

I kindly request your assistance in resolving this matter promptly. 

I look forward to your response. 

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies in my credit report with XXXX, XXXX, and TransUnion regarding a {$6600.00} auto loan from XXXX XXXX XXXX. Discrepancies in dates opened ( XX/XX/XXXX, XX/XX/XXXX ) and last activity ( XX/XX/XXXX, XX/XX/XXXX ) exist. I disputed on XX/XX/XXXX and requested deletion per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft police report. 

I sent this information to both XXXX, XXXX, and Transunion. Transunion informed me, on XX/XX/2019, that my police report did not meet their internal guidelines for a blocking request. 

This is completely unacceptable. 

Not only did XXXX and XXXX submit a blocking request to Transunion directly, but Transunion willfully ignored provisions of 605 ( B ).
Product: Mortgage

I was charged a late fee for XX/XX/2019, of {$36.00}. Also for XX/XX/2019, {$36.00}. I Called Lakeview loan, and the girl said she could only refund about {$29.00} dollars, and that the late fee was from XXXX. She said I wasn't charged a late fee for XXXX. I've had to call every month about this problem of late fees. I informed them that I get paid the second Wednesday, of every month, and that I mail my payments in 6-10 days before it's due on the XXXX. They don't process my payment until the XXXX. I know the post office is on time. They're just not processing my payments so they can charge me a late fee. They want me to set up automatic payments from my bank account so they can draft payments. They're too dishonest for me to let them have access to my account. Also I've put over {$200.00} dollars extra in my escrow account that I don't understand what they did with it. They have slowly been increasing my monthly payments. My payments should only be {$890.00} a month. I don't have an amorization schedule. Everytime I've asked for one, and that was from XXXX XXXX XXXX, and XXXX XXXX, they ignored me. I have yet to ask Lakeview for one. They don't even properly apply payments to my principal.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found errors that are impacting my creditworthiness. I expect the credit bureaus to investigate and correct these inaccuracies promptly. The account details needing verification are : Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 tax liens showing on my Equifax Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via Equifax website on XX/XX/XXXX and Equifax sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.
Product: Credit card or prepaid card

Reported USAA fraud in XX/XX/XXXX, every month thereafter in XXXX thru today XX/XX/XXXX. - I spoke with USAA customer service reps reported fraud all year, - I spoke with USAA Fraud department reported fraud all year. I froze my USAA account do stop further fraud. I filled a police report. I filled USAA transaction disputes all year.. Problem has not been resolved by USAA. I received a USAA statement in the mail with a remaining balance, I filled a police report as all remaining charges on said card are fraud. No response from company.
Product: Debt collection

I was notified by a credit alert system that Progressive Management Systems had reported on my credit report, a collection account that does not belong to me. They ilegally reported this collection under my name and social security on the understanding that this account belongs to my daughter, and adult XXXX yrs old, living on another city. The Progressive Manager XXXX XXXX was caustic and agressive. I told him that was in the middle of a financial transaction that was being jeopardized. They blatantly and flagrantly damaged my credit unjustified, and ilegally. This account was reported and damaged my perfect credit and reputation thus damaging my reputation, morale and financial credibility.
Product: Credit reporting or other personal consumer reports

Dear Equifax and CFPB, I am writing to formally dispute multiple discrepancies on my credit report regarding the account with XXXX XXXX XXXX, which contains unverified, outdated, inaccurate, and misleading information that has a profound negative impact on my credit health and overall quality of life. 

**Account Details : ** - **Account Type : ** Installment - **Bureau Code : ** XXXX - **Account Status : ** Derogatory - **Monthly Payment : ** {$0.00} - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$5800.00} - **Credit Limit : ** {$10000.00} - **Past Due : ** {$0.00} - **Payment Status : ** Collection/Charge-off - **Last Reported : ** XX/XX/XXXX - **Comments : ** Unpaid balance reported as a loss by the credit grantor. 
- **Date Last Active : ** XX/XX/XXXX - **Date of Last Payment : ** XX/XX/XXXX Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inaccuracies present in my report violate this statute and are damaging my creditworthiness. This misleading information not only threatens my ability to secure loans, housing, and other essential services but also affects my mental and emotional well-being. 

Additionally, 15 U.S.C. 1681i grants me the right to dispute incomplete or inaccurate information, and it is your obligation to investigate the validity of the information being reported. The derogatory status of this account is particularly damaging, as it misrepresents my financial responsibility and impacts my credit score significantly. 

Given the serious implications of these discrepancies, I urgently request a thorough investigation into this matter. I expect you to correct these inaccuracies promptly and ensure that my credit report reflects only verified and accurate information. 

Thank you for your immediate attention to this critical issue. I look forward to your prompt response confirming the actions taken to rectify these inaccuracies. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, Account # XXXX, has violated my rights by continuously reporting an inaccurate balance of this account, which has been paid off since 2019. 

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. 

( B ) Reporting information after notice and confirmation of errors 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX '' ... REMOVE ALL FROM CREDIT FILE
Product: Mortgage

I escrow and my insurance payment to XXXX insurance was due by XXXX XXXX has yet to receive the payment Mr. Cooper claims to have made to them on XXXX The payment was due by XXXX, if it's a 2 week processing time, it should have been sent sooner than XXXX. Because of this, they have cancelled my homeowners policy and will not reinstate it until payment is received. I have attempted to contact Mr. Cooper on numerous occasions and their auto attendant does not allow you to reach an actual person. I've tried every single number provided to me. I have opened XXXX support tickets since XX/XX/XXXX ( XXXX, XXXX, and XXXX ) and all they do is respond with an automated message that list numbers that don't get you anywhere and confirm that they claim to have sent payment XXXX. As of today, XX/XX/XXXX, XXXX has still not received the payment. 

Numbers I have attempted to reach them on ; XXXX, XXXX, XXXX I have also attempted to chat with them, it's a robot.
Product: Credit card or prepaid card

I never even got the card in mail and I have dead to never ever maxed it out and they wont take it off my name even after I sent them the identity test deal they still didnt take it off. I had to go to the IRS and through the Social Security department to clear my name for minion cards in this one dont takeoff my name.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My XXXX got repod in XX/XX/XXXX and it has been charged off in XX/XX/XXXX. I received a letter from a debt agency asking for the full amount of the loan, even after I paid on the loan for almost 3 years. The car is valued at only {$4000.00} now. {$9000.00} has been written off, but the collection agency wants me to pay {$13000.00}. I was wondering how can I fight this? I received the letter today but the letter itself is dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed {$2000.00} - Charge off XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} - Collection XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Collection
Product: Credit card

I am writing to formally escalate my complaint regarding Barclays ' continued failure to process my credit balance refund for my closed XXXX XXXX XXXX XXXX XXXX account. Despite my multiple requests for a refund, Barclays has yet to resolve the matter and continues to impose unnecessary obstacles preventing me from accessing my funds. 

Barclays ' response to my CFPB complaint acknowledges that I initially requested a refund of {$190.00} on XX/XX/year>, and multiple attempts were made to reissue the check following reported delivery issues. However, despite four separate re-issuance attempts on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I never received any of these checks. 

Rather than providing an effective resolution, Barclays now demands proof of address before issuing another checkeven though I no longer bank with Barclays, making such a request entirely unreasonable. I should not be required to submit additional documentation to access my funds, especially given that Barclays has updated my address multiple times in response to my prior refund requests. This additional bureaucratic hurdle further delays the refund process and makes it unreasonably difficult for me to retrieve my balance. 

Additionally, I have repeatedly requested alternative refund methodssuch as a direct balance transfer to an existing checking account or another cardbut Barclays has refused to offer these reasonable solutions. Instead, it insists on reissuing checks via regular mail despite apparent issues with delivery. Given the history of failed refund attempts, this approach does not inspire confidence nor provide me with a reliable way to receive my funds.
Product: Checking or savings account

I opened an individual checking at Wells Fargo in XX/XX/XXXX. The account has remained the same but it's number has changed one a few occasions and as mandated by the bank when unauthorized transactions were reported. 

On the XX/XX/XXXX Statement, a XX/XX/XXXX XXXX Payment to me from my girlfriend is reported as just that, a XXXX payment. However, a XX/XX/XXXX XXXX payment to me from my father is reported as a Transfer, suggesting that my father has at least transfer access to my account which should not be case, My Wells Fargo account is wholly owned by me and I am the only authorized person to access the account. 

I, XXXX XXXX, have no valid Financial Power of Attorney outstanding, and with the exception of XXXX XXXX XXXX XXXX, have no representatives, agents or guardians and have no reason to being a XXXX XXXX XXXX of XXXX University and deemed competent by the State as defendant in a Superior Court Trial in XXXX XXXX, GA in XX/XX/XXXX. No one other than XXXX XXXX is authorized for debit transactions of myself or my XXXX, XXXX XXXX XXXX XXXX with positive verification of identity required with additional biometric verification to U.S. Federal Government records necessary for transactions valued over {$50000.00} ( XXXX XXXX US Dollars ).
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 

Thank you, XXXX XXXX