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

I have attempted multiple times to get XXXX and the Credit Reporting agencies to update my three private student loans. When I made a payment to XXXX it was for my federal student loans, not my private loans. The private loans were from XXXX and were beyond reporting years even in 2017 when XXXX claims XXXX made my last payment and/or became delinquent. I paid my FEDERAL loans that were managed by XXXX at the time, not my private loans. 

I have contacted Equifax and XXXX multiple times, as well as my husband since he is my co-signer on the private student loans with XXXX help. I've asked for a copy of whatever proof has been given to show the money went to the private loans, but all I receive is the comment " the creditor has verified that the date is being reported correctly. Additional information has been provided from the original source regarding this item. '' I have never, sadly, made any payments on my private loans that I took out for my degree at XXXX University. I believed that all of my loans had been consolidated and only paid, minimal federal student loan payments. XXXX is incorrect in reporting that I made a payment on my private loans and the money paid should have been posted to a federal loan payment that they were managing. 

I would appreciate any assistance in correcting this information on my credit report as well as my husband 's. I'm being punished for debt that is older than 14 years. 

Thank you in advance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :
Product: Debt collection

On XX/XX/2018, Midland Funding released trying to collect a false debt through legal action. The debt would not be pursued or sold and they were supposed to remove it completely from my credit file but as of this date, it still remains and it still reporting monthly that I owe them money. Midland Funding is still reporting monthly on my XXXX  and XXXX  credit reports and is in violation of our legal agreement.
Product: Mortgage

I am behind on my Mortgage payments, I have had poor-paying jobs for a few years, plus mental and physical health issues. Since end  of 2016,  I have tried to work with the Co, to resolve some title issues on my property. I understand that I have the right to request the complete closing docs, from the original closing ; but the Mortgage Co has been very slow and in-cooperative with my request for docs. Finally, after several verbal requests, I was informed to put a request in writing, which I did.  Now there may be  a  Sherriff 's sale on m y property, while I am still being delayed by the Mortgage Co, over my requests for info. I shall probably go forward with the Dee d in Lieu of Forec losure, since I am running out of time, caused directly by the in-cooperative movements by the Mortgage Co. Please advise if I have any leverage over the  Mortgage co. wa sting so much of my time. I do not have any money for an attorney.
Product: Debt collection

I am showing 2 collection accounts on my XXXX  credit report with Conrad Credit Corporation and I would like to make know what these accounts are for. I sent a debt validation letter on XX/XX/2021 with no response. 

The accounts in question are : Account # XXXX, Balance {$8800.00} Account # XXXX, Balance {$8200.00}
Product: Credit reporting or other personal consumer reports

I saw a hard inquiry for capital one was made on XX/XX/XXXX and that was fraud and not me.
Product: Debt collection

I am getting calls for apparently debt collectors without knowing what it is for. 
The numbers calling:XXXX XXXX XXXX I would like this to stop since I do not even know if perhaps the person that owned my number is the one that they are trying to contact.
Product: Debt collection

Reply to CFPB Compliant ( CFPB ID : XXXX ) On XX/XX/year>, I submitted a formal Debt Validation Request to Afni, Inc., under FDCPA 15 USC 1692g, regarding an alleged XXXX XXXX  debt of {$3300.00}. Afni 's response failed to validate the debt properly. They did not provide a signed agreement proving I agreed to the debt, a complete payment history, proof of chain of title verifying their legal right to collect, or a detailed breakdown of the amount claimed. Despite these deficiencies, Afni has continued collection efforts, which violates FDCPA 15 USC 1692g ( b ). Their incomplete validation also breaches FCRA 15 USC 1681s-2 ( b ), as inaccurate information remains reported to credit bureaus. These failures are causing harm to my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

THIS ARE FRUAD ACOUNT I JUST NEED THIS FRAUD ACCOUNT AND FRUAD INQUIRSI OF MY REPORT NOTHING MORE. I HAVE TALKED TO XXXX  OVER AND OVER AND EQUIFAX THE SAME WAY!! 
THEY KEEP TELLING ME WE HAVEN GOT DOCUMENTO WENT I GOT PRROF THEY HAVE RECIVE IT MANY TIMES.

JUST NEED THIS FRUAD ACOUNT OF MY CREDIT THAT ALL.
Product: Credit reporting or other personal consumer reports

On XXXX the XXXX 2025 I notice that a XXXX XXXX XXXX Checking Line of Credit Account Number XXXX was on my credit report and did authorize this account to be open. I contacted the creditor, and they notice that it was fraudulent. I immediately called XXXX XXXX XXXX XXXX and went to the local police department a filed a report. I also attached the letter from XXXX and their investigation results, police report, FTC report and a copy of my ID
Product: Credit reporting or other personal consumer reports

I opened a Parent Plus Loan with XXXX XXXX in the amount of {$32000.00}. On XX/XX/2023, I paid the loan off in full. My account at XXXX XXXX now shows Paid in Full balance {$0.00}, but as of XX/XX/2023, my credit reports ( XXXX and TransUnion ) do not show the updated balance nor do they show closed. 

I submitted a dispute to Transunion letting them know the account balance should show {$0.00}, but they responded with this statement. " We investigated this item, verified it belongs to you, and updated : Date Updated; Last Payment Made ; Terms ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' I did not dispute the account ; I disputed the balance showing for this trade line and that the account still shows open and should show closed. They did not address my specific request.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding Coinbases handling of asset purchase prices after the transfer of my holdings from Coinbase XXXX to Coinbase. As Coinbase retired Coinbase XXXX and migrated all accounts to its main platform, I discovered that the purchase prices of my assets are now reflected based on the value at the time of transfer rather than their actual purchase prices. 

This error has caused significant inaccuracies in my account, incorrectly showing substantial gains on assets that I originally purchased at higher prices. This misrepresentation of gains has serious tax implications, creating undue financial and legal concerns for me. 

I have contacted Coinbase multiple times to resolve this issue, but no corrective action has been taken. Despite my efforts, my account remains inaccurate. 

I request that Coinbase urgently update my account to reflect the correct purchase prices of my assets based on their actual purchase values from Coinbase XXXX. If this issue is not addressed promptly. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.
Product: Vehicle loan or lease

There are discrepancies on the loan document I have and the one Global credit union gave me. 
On my loan term it says 84 months and on my credit it says 90 months. Global credit union also does not send me bills by mail or email they just send me a statement after I made a payment online telling me how much I owe them. This loan is predatory I have not received my title and I don't know why they are still trying to collect money from me. This loan is also tied to fraudulent concealment because I was lied to about my brand new car not having a manufacturer warranty and was told it would be necessary to get an extended warranty and gap insurance in which it was not.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter XXXX XXXX XXXX in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$25000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXXl account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I'm locked out of my citizens bank account for no reason other than because i deposited a check for XXXX $ and it returned i have no idea why because everything about the check is right now they are not giving me a answer why and im locked out of my account and i i have bills to pay and i have deposited another XXXX $ and they said that should clear this Friday but they said about that almost every day with my first check that returns they keep pushing the date back My name is XXXX XXXX last XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM XXXX FAILURE TO COMPLY!! FAILURE TO COMPLY!! FAILURE TO COMPLY!! 
TRANSUNION has not PERFORMED and EXERCISED THEIR GRAVE DUTIES UNDER THE UNITED STATES CONGRESS TO CONDUCT BUSINESS ACCORDINGLY UNDER THE FCRA. THE UNITED STATES CONGRESS DEMANDS TRANSUNION TO EXCLUDE ALL TRANSACTIONAL ACCOUNTS! FROM A CONSUMER REPORT UNDER 15 USC 1681a ( 1 ) ( 2 ). THE UNITED STATES CONGRESS ALSO DEMANDS TRANSUNION TO HAVE WRITTEN CONSENT TO FURNISH A CONSUMER RPORT ON BEHALF OF THE CONSUMER. TRANSUNION HAS WILLFULLY DECIDED TO CONDUCT BUSINESS OUTSIDE OF THE FEDERAL SYSTEM AND HAS INFRINGED ON MY PURSUIT TO HAPPINESS UNDER THE CONTISTUTION VIOLATING ME UNDER THE BILL OF RIGHTS BY NOT OPPERATING UNDER FEDERAL LAW AS THEY ARE REQUIRED. TRANSUNION HAS CONDUCTED A FRAUD BIAS RE-INVESTIGATION THAT WAS NOT REQUESTED AND HAS NOT PROVIDED THE NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED TO VERIFY ACCOUNTS AS DEFINED BY THE UNITED STATES CONGRESS OF INVESTIGATIVE REPORT. FURTHER MORE TRANSUNION WAS DEMANDED TO EXERCISE THEIR RESPONSIBILITIES AND GRAVE DUTIES NOT TO VERIFY AN ACOOUNT!!. I DEMAND TO KNOW WHAT GIVES TRANSUNION THE AUTHORITY TO DISREGARD THE UNITED STATES CONGRESS AND CONDUCT BUSINESS OUTSIDE OF THE SCOPE OF THE FEDERAL SYSTEM IN ORDER TO WILLFULLY VIOLATE THE FEDERALLY PROTECTED CONSUMER AND FCRA AND CFPB
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a fraudulent account from my credit report. As a victim of a recent data breach, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These sections require that credit bureaus block and delete any information related to accounts opened or used fraudulently. 
Fraudulent Account XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/year>XXXX XXXX Amount : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
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, credit repair services, or other personal consumer reports

You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. You also did not notify anyone quickly enough and admitted that you will not notify everyone. There is also the fact that investors pulled out just before your stocks could plummet.
Product: Student loan

On XX/XX/2024, I made a payment to the loaning company, Sallie Mae of XXXX. This was the balance displayed on my end after clicking, " make a payment '' option on the website. I noticed a text message from Sallie Mae and got curious enough to check the account. To my surprise, there was a new current balance of XXXX. I called customer support for information. I was told the interest was accrued due to making the payment of XXXX, and that if I wanted to avoid interest then I needed to pay the full amount. I explained to the customer support representative that the XXXX was the full amount displayed. I was then told to access the full payment amount I needed to click on the following prompts : " Make a payment > ( Do not proceed with one-time payment instead click on More> Click on Calculate Payment> Proceed to making payment with the actual balance. The actual balance in my example would have had XXXX days worth of interest at the fixed rate of XXXX % based on the amount of XXXX to my best understanding. My problem is that I expected the current balance to be the true actual balance and by paying it off I would be done and worry free. Instead I was charged interest on what I thought was a total balance payoff. Combine that with the hidden button options and that was a recipe for some frustration. Needless to say, there user interface needs some serious updating because it is currently designed poorly. One would almost say predatory in design with intent to trap the recipient of the loan to paying as much interest as possible.
Product: Vehicle loan or lease

I believe that the interest on my vehicle loan was higher than it should have been
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent XXXX a certified letter asking them to reinvestigate ( XXXX ) XXXX late payments that is being reporting on my credit file by this company XXXX XXXX who I have a personal loan with. I provided XXXX with statements that showed that I was never late with my payments and that this company is reporting my payment history inaccurate. Not even 30 days later I received a letter from XXXX saying that my payment history was verified. How was it verified? I sent XXXX another certified letter on XX/XX/year> requested the method of verification they used to verify these late payments and I have yet to receive anything from XXXX. I know I have rights as a consumer and I want these inaccuracies removed from my credit file. It is not right and these inaccuracies are hurting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  for ( XXXX  ) account # XXXX, for the amount of {$200.00}, has violated my rights. 

Per : XXXX5 U.S.C 1681 section 602 states, I have the right to privacy.

15 U.S.C 1666b states, a consumer reporting agency can not furnish an account without my written instructions. 

I have asked XXXX to provide me with proof of the debt by providing me with the contract due to never living at the address that the account had listed they failed to do so. I asked since they failed to prove the account to remove it from my report they have failed to do so. I have never given anyone permission to furnish anyone with this account information based on it being unproven and incorrect!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$760.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} Medical XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I called the fraud department and spoke to representative by the name of XXXX regarding XXXX XXXX XXXX Bank account reporting On my credit. I explained to him that I submitted every documentation needed from me to get this account remove. This account does not belong to me and Experian has been purposely ignoring my claim. Today I happen to check my report to see what's going on. & look the account is no longer is dispute and I never got notice. It's impossible for a dispute to be completed in less than 72 hours with proper investigation. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, XXXX and Experian regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these three bureaus, there has been no resolution or corrections.