23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX in the XXXX and made the mistake after XXXX XXXX  of co-signing my mothers {$30000.00} car loan with Kia Finances in 2019. She failed to tell me that she missed 4-6 months of payments and the car went into collections. The company, Kia, never sent any written documentation or called about the car going to collections. For the past two years my mother and I have been trying to find out who has the loan and how to pay it and every time we call Kia we get put into a deadend. Certain more notable things we have been told are : the loan is in collections but we can not disclose the collectors information, the vehicle is in a repo status but we can not repo a vehicle from a XXXX  person, and on one occasion they asked me to make money payments by mailing cash every month to a XXXX XXXX XXXX Texas. Ive checked my credit report to see where the loan originated in a more last ditch effort fashion, and it gave me an address to a Kia Motors Finance America in California but no phone number. I used XXXX and searched the listed address and it was to Hyundai Motors. I called them to see if maybe they had a Kia finance department and they stated Kia has never worked in the building and dont know why the address was listed for their building. I spoke with my local XXXX Legal Attorney and she sent me in this direction as well as a few others and would really like some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for VALIDATION of some accounts which by law I have this right. The company responds back VERIFIED but FAILED to show HOW as I requested all three times. 
My three collections, HOW did you validate? I can say for a fact that I have proof eastern account systems is inaccurate being I have actual proof XXXX was PAID. How was XXXX verified? So how is it exactly these accounts validated? I have a right to know and if this was not done, removal. I have a right to see the contract to each of these companies showing I owe them by terms of a contract with my signature, This is my right to obtain this and this is by law the only way they can be reported on my report. This contract is to show their company names and my signature to be a valid debt by law. 
The accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all INACCURATELY REPORTING. These XXXX accounts show XXXX in payment history, they show 100 % payments on time but yet CHARGE offs! Law code 15 is code 1679c states ALL INACCURATE ACCOUNTS ARE TO BE REMOVED IMMEDIATELY! I asked to validate XXXX XXXX and XXXX XXXX  also to a simple valid. How was this validated? 

When I questioned inquiries I was IGNORED. I called each of these companies and they have no record of me and told me to contact the reporting agency, so why am I being ignored? Who is XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXXXXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Unauthorized transactions ( over {$1000.00} ), unauthorized fees ( over {$100.00} each month ) taken without authorization or consent ( fees being taken by Banco Popular ). Email threads to XXXX among other in person conversations with other employees ( XXXX XXXX would not meet in person ) also conversations over the phone, in bank branches etc. Example : " I have not authorized the {$1300.00} transaction until after other pending transactions '' XX/XX/, XXXX and before when there were unreported, unauthorized assessed fees for no reason, my account being assessed higher fees than other bank customers for the same service and often the service not rendered because internal employees prevented to login ( creating problems for me to login to the web portal ). 

Unauthorized account closure. Breach of contract and agreement. Check fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted all the document to EQUIFAX that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that XXXX CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

I am ONCE AGAIN, attaching all the document HERE. These documents include a list of all the creditors who were listed and discharged. XXXX is on page XXXX and highlighted. This copy if STAMPED from the COURT. Also, is a COURT COPY of the DISCHARGE, showing ALL STUDENT LOANS were DISCHARGED. Also included is a copy of my Drivers license, a copy of a bank statement showing my address that matches, and the matrix from the court showing XXXX  was sent the paperwork FROM THE COURT, so they KNEW that 3 YEARS AGO, this was DISCHARGED. THEY DO NOT get to SELL this debt to someone else AFTER discharge to try and collect, so XXXX on my credit report NEVER should have been listed. I am TIRED of credit reporting agencies 'investigating '' and listing it as " ACCURATE ''. It so NOT accurate and here all the DOCUMENTATION to PROVE IT!!!! THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged.
Product: Credit card

On XX/XX/2023 TD credit card charged my checking three times the amount due total amount is {$8200.00}. I called TD credit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was told each time that I had to wait XXXX to XXXX business days, today is the XXXX business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX SBA Small Business Administration pulled my XXXX 3.0 credit report/score from Experian. This was for a emergency Covid 19 relief loan. I was denied for the loan and told to look at my credit report. I did and saw a bad mark from XXXX for an account that was not mine. I got it removed and refiled again with the SBA. On XX/XX/XXXX My Experian XXXX 3.0 score/report was pulled. Again SBA denied me. I inquired further with SBA as to the issue they explained i needed a credit score of at least XXXX Compared to XXXX which Experian showed them. When i called Experian, to my surprise, my XXXX score was well above this. I ordered a copy by mail for a additional fee My score shows a XXXX this is a 68 point difference. Please see copy. In the meantime I decided to see what XXXX and XXXX  were showing both are showing approx XXXX and XXXX. I noticed in addition that one of my accounts was showing as updated for both XXXX and XXXX but Experian still was not. The last update for this account was showing as XX/XX/XXXX for Experian. However for XXXX  and XXXX  They have been updated to reflect XX/XX/XXXX. We are now in XXXX. It appears XXXX  is deliberately manipulating 2 sets of scores for the exact same scoring system XXXX 3.0. It also Appears Experian is deliberately not updating my accounts as the other 2 credit bureaus are. Thier call center seems to be overseas and thier staff seem to not know much about the XXXX 3.0 program.
Product: Credit reporting, credit repair services, or other personal consumer reports

The documents I've attached contain what happened, so I need you to please look at it carefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response to Equifax Dispute CREDIT FILE : XX/XX/2020. 
I discovered that I have two different credit reports that were created for me : one for my government name and another credit report for my nickname ( the name I go by and sign my name as ) both using my same social security number. Ive been having issues where sometimes the wrong credit report is being pulled where it says I only have 2 closed accounts and not enough credit to have a FICO score. Equifax should only be pulling the credit report where I currently have a XXXX FICO score with 7 open credit accounts. I recently requested, in separate letters with copies of my driver 's license and social security card, with XXXX and Equifax to have all of my information on one credit report. XXXX was easily able to fulfill this request by combining the information on the reports to only have one credit report, but Equifax is choosing to leave it this way by responding : We are unable to combine your multiple credit files due to amount of data in each. This is ridiculous and unacceptable. I SHOULD NOT HAVE TWO DIFFERENT EQUIFAX CREDIT REPORTS USING THE SAME SOCIAL SECURITY NUMBER! ALL MY INFORMATION SHOULD BE ON ONE CREDIT REPORT!
Product: Mortgage

I am a XXXX XXXXXXXX out of XXXX XXXXXXXX. My clients job has been done for several months, has passed local building department and also the third party inspection required to release final funds from LoanCare. They will not release the funds. It is a constant resending docs to them I already sent, everyone comes up with a different reason why. Why are they holding our money. We are trying to be very nice and patient but its been months. Today we call. Again its another doc this time I se I already sent it to them XX/XX/XXXX. So cant use that anymore. I ask for a supervisor. They send me to a Resolution Department. There its the same story. I ask for a department manager. She puts me on hold for 20 mins! Never came back to say Sorry just a bit longer. No. I wasnt given that respect. She comes on and says she was in unable to get a supervisor. I ask her name sue says XXXX XXXX. I ask for her managers name. She doesnt answer me. Starts typing quicklysilence. Im like hello. Shes mumbling ohh I dont know I have to see who will call you. Theres several. Im trying to see if I can even do that. So she claims someone will call. Theyve done this before. No one calls. This was today XX/XX/XXXX XXXX XXXX XXXX time. The complaints about LoanCare online are real. We work with mortgage companies all the time. I have never seen a company act so ridiculous rude and make up reasons why not to give out funds.
Product: Money transfer, virtual currency, or money service

Hello and thank you for reading this. 

I had a major issue with coinbase. After reading into it it seems I am not the only one.

Coinbase was hacked and my account was included in the hack. I lost {$3700.00} at the moment in the account overnight. 

After reaching out to coinbase they investigated and reverted blame to me. They claimed that my Emails were hacked. I confirmed with my Providers and on XX/XX/2021 ( date of hack ) my email was safe. Coinbase never sent a log in confirmation and I have a two step verification every time I log on. After looking at the transaction details there was XXXX stolen from Coinbase in one transaction several accounts were effected. They deleted the transaction report when I went to print it it was gone. I found this as a huge red flag and they now not only are not helping customers but they are illegally hiding documents from their customers. 

I really just want to make sure this doesnt keep happening to hard working people. I like many people who invest in these companies are not wealthy but its not about the money what they are doing is wrong. I hope someone reads this and can help. I just want some justice for people who have fell victim to this.
Product: Credit card or prepaid card

On XXXX I noticed that my credit card payment was for the full amount of over {$2500.00} when I ment to do {$500.00}. I got a confirmation number XXXX and was told 3 business days. It was not resolved and I was told Thursday at XXXX CST and nothing. Same promise on Friday. I called Friday evening and supervisor XXXX said nothing was done or expedited. I called Saturday and they said Monday. Here we are XX/XX/2021 which is 6 business days later and 10 days incl weekends and they said 4 business days. My account is negative and needs resolved and they refuse to help. They are giving me misleading and false information to resolve this issue.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 file a formal complaint against LexisNexis Risk Solutions for alleged violations of the Fair Credit Reporting Act ( FCRA ) and potentially deceptive practices related to the investigation and handling of my credit report dispute. 

Below, I outline the reasons for this complaint : 1. Violation of Report Accuracy - FCRA 1681e ( b ) In their response to my complaint filed through the CFPB ( Case No. XXXX ), LexisNexis claimed that there are no name variations in my credit file and that any inaccurate information had been removed. However, upon reviewing my full credit report provided by LexisNexis, I found the following name variations recorded in my file : - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This directly contradicts LexisNexiss statement and demonstrates a failure to maintain reasonable procedures to ensure maximum possible accuracy in my credit file, as required by the FCRA.

2. Failure to Conduct a Reasonable Reinvestigation - FCRA 1681i ( a ) ( 1 ) ( A ) LexisNexis failed to fulfill their obligation to conduct a reasonable reinvestigation of the disputed information. In their response to the CFPB, LexisNexis claimed there were no errors or name variations in my file. However, the variations listed above prove that the investigation was insufficient or not conducted properly.

3. Misleading Response and Unfair Practice LexisNexiss response to the CFPB can be considered misleading by stating that there are no name variations in my file. This not only creates confusion but also prevents effective resolution of my dispute. The omission of relevant information can be considered a violation of transparency requirements enforced by the CFPB.

4. Impact on My Financial Situation This negligence directly affects my ability to correct my credit history and ensure that the reported information is accurate. Additionally, inaccurate information, such as incorrect name variations, may hinder my future attempts to access credit or other financial services. 

Attached Documents : - Full LexisNexis Report : Highlighted with the name variations recorded in my file. 
- Copy of My Driver 's License : Clearly showing my legal and correct name as XXXX XXXX XXXX XXXX.
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 the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX. account : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased a product from a website. This website had a phone number and address. A representative called me and offered me a 15 % discount if I paid by XXXX which is a service offered by PNC bank. After payment was made, I received a shipping update and then nothing. The business phone number has since been disconnected. The amount of money lost is {$330.00}. I contacted XXXX directly and THEY stated that I had to contact PNC for a claim. On XX/XX/XXXX, I contacted PNC by phone and opened up a claim. I was told that the {$330.00} would be returned and a investigation would be opened. I offered copies of my documentation but they declined stating, " we wont need it ''. On XX/XX/XXXX, I received a letter from PNC stating that my claim was denied because the purchase was valid? I am pursuing the original company but PNC needs to offer a certain level of protection to it's customers. Scammers use XXXX because they can get away with ripping people off.
Product: Debt collection

In XX/XX/XXXX I received a letter from XXXX XXXX with Usi Solutions stating they were the current creditor for a debt that was not owed by myself. I sent out a letter requesting verification and proof of the debt immediately and received no response from the company. My letter was sent certified and I have proof it was delivered. XX/XX/XXXX I received a voicemail stating it was about a judgement being put against me. I called back and they stated they were taking me to court and going to add the judgement to my credit report. The person on the phone said they have a photo ID tied to this, not sure how that is even possible, and read my FULL social security number to me over the phone. I told them they could send whatever paperwork they need to me as I will be disputing it as I had when I initially received the paperwork and did not get a response.
Product: Credit card or prepaid card

I applied for a Home Depot credit card that advertised " 6 months to purchase everything for your project '' with " No interest if paid in full within 6 months on purchases of {$290.00} or more ''. I received an approval letter that stated " Congratulations. You've been approved ''. It wasn't until I started receiving statements, that I realized I was being charged interest and the approval letter was not for what I applied for but rather a loan with a fixed rate of interest with no 6-month promotion. I contacted XXXX/GreenSky ( the lender/servicer ) for the account numerous times to resolve this to no avail. I keep getting charged interest and can not get the minimum payment that is due without interest on my statements.
Product: Debt collection

On XXXX XXXX, I contacted this collection agency to request that they change a comment on my credit report. Long story short, there are XXXX medical collection accounts that are reporting to my credit reports by this Fox Collection Company that were showing in dispute ( because I was n't sure what they are so I asked the bureaus to investigate ). Anyway, I called because I know what they are now, and I do not want the dispute to continue. I requested that the dispute comments or codes be removed from my credit items so they are no longer showing in dispute. Fox Collections requested that I send an email so they have something in writing from me showing I am no longer disputing the accounts and to remove the dispute language ( I have this email as proofs FYI ). Fast forward to approx XXXX XXXX - I applied for a mortgage loan and was denied because Fox Collections had n't removed the dispute language from my credit report. I called Fox Collections and was told that yes, they WOULD remove the language/codes but it would n't be reported correctly until XXXX XXXX. XXXX XXXX ... re-applied for mortgage - dispute language/comments/codes still on credit report. I proceeded to call FOX Collections AGAIN- they were very rude - claimed now that they did n't say they would remove the dispute language OR that they received my email requesting the accounts to no longer be in dispute ( again, i have proof I sent this email on XXXX XXXX ) and they said it was my fault ANYWAY because I did n't pay my bills. 
This is unbecoming of any company let alone a collection agency. I also know my rights under the FCRA and FDCPA. They can not misreport information to my credit report. I have easy to follow trail requesting that these XXXX accounts are NOT showing in dispute. I as the consumer have the right to request an investigation and the right to decide not to dispute accounts any longer. They are misreporting that my accounts are still in dispute to PURPOSEFULLY and WILLFULLY DAMAGE my reputation and hold me back from qualifying for a mortgage loan. When I told them this, I was placed on hold for about XXXX mins ... and then call was disconnected. Now they wo n't return my phone calls.
Product: Credit reporting

I do not have any responsibility for the debt they are trying to collect and I request that this unknown debt be removed from my credit files immediately. 
Furthermore, if they have good reason to believe that I am responsible for this debt, then I want them to mail me proof that make them believe that. In addition, I also request they stop all other communication with me and to my home address, and record that I dispute having any obligation for this debt to all XXXX major credit bureau 's. If they report it to a credit bureau XXXX or have already done so ), then they must report that the debt is being disputed.
Product: Consumer Loan

I am disputing late payment entries that XXXX XXXX had put on my credit report. It states that I was XXXX-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, purchased {$5000.00} XXXX and tried to send to my wallet at other website, however Coinbase immediately locked my account. So I called for help and I was told that location I was trying to send to, is blacklisted by Coinbase! 
However, I have no way to know that, and there should be warning to not to sent to locations! 

Anyhow, I need help to unlock my account so I can recover my funf
Product: Money transfer, virtual currency, or money service

We were attempting to purchase a golf cart and the person we thought was responsible for selling the golf cart to us requested a {$500.00} deposit. We were skeptical but went ahead and sent the payment anyways. As it turns out this was a scam. I reported this as fraud to JP Morgan Chase and they temporarily refunded the {$500.00} while they investigated it. Then a short time later they debited the money back out of my account. Chase and other banks provide this service to consumers without any accountability or willingness to investigate the fraud to the extent necessary to actually bring charges against the perpetrators. It is maddening that in spite of this user " XXXX XXXX '' having a XXXX account with a XXXX approved bank that they can not or choose not to pursue the individual participating in these fraudulent activities. This happened to us in XXXX or XXXX  and the exact same thing happened. Something has to change - either take the service away entirely or set it up to refund people their money when it's determined they've been defrauded!!!!
Product: Mortgage

Nationstar, dba Mr. Cooper did not post my XXXX mortgage payment to my account even though they cashed the check and it cleared my bank. 

I notified them and they still did not fix the problem. 

They then applied an autopayment for XXXX to the open XXXX payment. 

They then reported me to the credit agencies and my credit score plunged from XXXX plus to XXXX. 

I was not notified and did not find this out until I was applying for a car loan on XX/XX/XXXX and denied credit. 

When I contacted the Mr. Cooper again they told me if I did not pay over the phone they would be taking further action. I paid over the phone along with a penalty. 

Now they are telling me they did not cash the check? 

Even though customer service has the cancelled check - they can't fix the problem. It gets referred to XXXX  - they will not talk to me.