23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I made an international wire transfer of {$9900.00} to Coinbase, but was noticed that the wire was reversed on XX/XX/2017 because the account name didn't match. I still don't receive the money in the bank now. I have contacted Coinbase by email, but no reply for more than a week.
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 USC 1681. 

The letters are stated with items and issues. 

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, credit repair services, or other personal consumer reports

XXXX  charged off this account back in    2010  and re ages this account to show a negative account on my transunion report. Every month they re age the account to show a current delinquency on a charged off account. The amount charged off was  XXXX . I have tried to resolve this matter numerous times with transunion and   XXXX    and neither are reporting properly.  XXXX  continues to inaccurately report data on a charged off account by reaging it. This is a violation under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against LexisNexis for violating my rights as a consumer and not responding to a letter sent to them on XX/XX/2022. ( attached labeled as Exhibit A ). After viewing my consumer report, I find that two U. S. Bankruptcy Court items listed/being reported. Per the FCRA 623 ( a ) ( 5 ) : " If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. U. S. Bankruptcy Court of MO and U.S. Bankruptcy Court of IL has both mailed me letters ( attached labeled as Exhibit B and Exhibit C ), which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies and/or other third party providers who collect personal information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the FCRA PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed that LexisNexis has NEVER validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are not liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by the third party sources unaware to the consumer. Considering the information indicating multiple FCRA violations, I need all bankruptcy information DELETED from my credit report immediately. LexisNexis needs to provide me with copies of ALL DOCUMENTATION associated with the Public Record Accounts bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file that LexisNexis maintains under my name and social security number. Per Federal Law, LexisNexis had 30 days to complete the investigation as outlined per FCRA 623 ( a ) ( 3 ). Also per the FCRA Section 609 ( a ) ( 1 ) ( a ), LexisNexis is required by federal law to verify through physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT and/or judgement ( s )- all accounts and public information that they post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public records information is not deleted from my credit report within the next fifteen ( 15 ) days, I will be filing a complaint with my State Attorney General and also contacting my lawyer to file small claims actions against LexisNexis for 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the FCRA and CFPB.
Product: Mortgage

After filing my last complaint with the CFPB, Ocwen contacted me and informed me that I would be able to make three payments of {$460.00} each on the first day of each month for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that if I did so I would be able to get a formal modification. I made these payments. They also took my payment in XX/XX/XXXX for the same amount but added it to an " unapplied funds '' account. 

I tried to make the same payment in XX/XX/XXXX, but my payment was refused. I received a letter stating that my payment was refused because I failed to return a signed modification agreement to Ocwen when requested. However, I have not received any such agreement or request for me to sign such agreement and return it. 

The individual who was assigned to handle my last complaint, XXXX XXXX, will not return my calls. Yesterday, when I tried to make the payment again via phone, someone there told me that they had been trying to get in touch with me via phone and mail. I have not received any phone calls or mail from them regarding this issue except the letter I have described, although they have all of my correct contact information, which I have sent several times. 

I have also tried to call XXXX XXXX, who is mentioned in the last letter I received. I can not leave a message for her. The only thing that happens is that I get re-directed to another " relationship manager '' who simply repeats that I can not make a payment.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following accunts. Block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was not proven and was supposed to be removed from my credit report per the letter that was sent. XXXX, XXXX XXXX XXXX XXXX sent a letter stati that the item will be removed within 30 days XX/XX/18 and the item was put back on my credit report. I will attach the letter below.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I ask that the accounts and inquiries listed below be removed from my credit file : Accounts to be blocked and deleted : 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 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

I had been a loyal customer of XXXX XXXX since XXXX. In XXXX, XXXX XXXX charged me XXXX XXXX XXXX  to start my internet service account during the Covid pandemic. I repeatedly told the customer service representative that I only needed internet service and that all other telecommunication services were not needed. The company offered educators free internet for a period of time as we were preparing to work from home. XXXX XXXX overcharged me from day one. I never received the free Internet services they said they'd offer to educators, and never told me that there would be fees involved because I was a 'new ' customer. I do not have the bills because I selected 'paperless billing ' and all prove of payments will come from my bank statements in XXXX. For over a year, they continued to bill me for voice service even after I said I did not need the service. 
I continued to pay the amount I was billed- often double the cost of internet service offered by other telecommunication companies. Within 3 months after I cancelled my services in XX/XX/XXXX, XXXX  sent a notice to a collections agency ( XXXX XXXX ) who harassed me daily despite after telling them that I did not owe any payments to XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code XXXX or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Credit card

I was misled and tricked into signing up for a credit card I didnt want with jp Morgan chase bank . I went in for a small business loan and the bank employee named XXXX XXXX lied to me and cornered me into signing up for a chase ink credit card. I felt pressured into this whole situation. Now I have a hard inquiry and its going to harder to get what I need for my business. I called chase customer care, a loan officer told me the truth after I asked him the same questions I asked the bank employee. I had asked her the lowest amount possible for a business loan she laughed at me and said $ XXXX and my only option would be to sign up for a credit card. The loan officer on the phone said that was untrue that I couldve signed up for as low as $ XXXX without a credit card. Now I have a credit card I dont need or want. Help me please. Im losing sleep over this!
Product: Credit card or prepaid card

I previously submitted a complain # XXXX. My credit card company respond is not valid since they didn't provide new documentation after my dispute, they only sent documentation before the date of the confirmation of the refund by XXXX. 
GEMINI documents investigation referred to XXXX  policies, one of the policies is that I need to reach the end of 6 months of the course, however my access was cancelled on day 12 because I disputed the transaction, when I emailed the company their respond was " The full program amount has been sent back to your bank, we therefore removed course-access. '' breaching the agreement of the 6 months that I needed to reach. 
GEMINI provided a document where XXXX mentioned that I was happy with the course but I sent an email on XX/XX/XXXX to XXXX  telling them that I was not aware that I would not be able to access all of the course material once signing up and I will not be able to view the session until XX/XX/XXXX which was very unfair because they asked to reach 60 days when I would not have a full access.
Product: Debt collection

First and foremost, I have no inclination as to who this company is and/or who they are attempting to collect for. I have not received any notifications via US mail regarding any debt I'm behind on, and can verify I'm not behind on any debts I have. This company will need to reach out via US mail, as my address has been the same since 2014, in order to verify who they are, what the debt is for, amount owed, and the date of original default. TrueAccord is the company in question. 

They've texted me repeatedly and I've responded 'STOP ' on multiple occasions. Unfortunately, they continue to text.
Product: Mortgage

As shown by the attached most recent statements, the loan servicer XXXX Quicken loans ) indicates that my account was discharged of personal liability. However, I entered into a reaffirmation agreement with Quicken loans through my attorney in XX/XX/2019. 

The information being provided to the credit bureau does not reflect my payment history and states that my account was discharged in bankruptcy. This information is erroneous and has caused me server distress. 

When communicating with Quicken loans, after verifying the reaffirmation disposition with my attorney, Quicken loans as told me via phone the following : 1. My payments will be reported once they have the reaffirmation agreement processed in their system.

2. My reaffirmation was withdrawn by my attorney.

3. My account was discharged in bankruptcy and NO payment will be reported.

4. Talk to your attorney because they show it withdrawn.

5. They made a mistake and they now see the reaffirmation and have reported the correct information and payment history to the credit agencies. 

To date, I have gotten different responses from Quicken loans, have had erroneous data provided about the history of the account, and have not seen any attempt at resolving the matter in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In  XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.
Product: Credit reporting or other personal consumer reports

Lender decreases my limit without notifying me of why and showing a late payment all my payments have been paid in full. I started with a XXXX limit later changed to XXXX. This is cause me to have a late payment and inaccurate credit report
Product: Student loan

I applied through XXXX for student loan discharge total and permanent when I became disabled. Before that, I was on the PSLF. XXXX gave me 90 days temporary hold on my loan until approved. On XXXX XXXX it was approved. but I kept getting payment notices from Mohela. They said XXXX didn't tell them. I went through this multiple times. XXXX, sent me the notice on XX/XX/year>. 
They kept telling

me that Student aid needed to do this. They also told me that my loan was on a new platform which I did sign up and made a complaint. I wrote a complaint to Student aid also and sent it. I called them an
d was on for about half hr with Grace about this concern. She told me that since Mohela was the loan servicer, they had to sent that info to XXXX. 
In the meantime, my loan payments are due again in XXXX and I am supposed to be making payments on a loan that was agreed to be discharged.
Product: Credit card or prepaid card

its saying I have late payment but I did not see a notice
Product: Debt collection

To begin with, the complaint is two-fold. One, Portfolio Recovery Associates have been calling me multiple times at my place of employment. I had told them several times that I am at work, and I can not be on the phone. Portfolio Recovery Associates have been calling me at work to discuss an old XXXX XXXX Account and XXXX   XXXX Account. On XX/XX/2018, I have contacted Portfolio Recovery systems to see about the XXXX XXXX Credit Card debt that is in my name, and to provide a resolution to resolve the accounts. Portfolio Recovery informed me that they can not resolve the account with the first amount that was being discussed to resolve the account. They then informed me that they can only resolve the account for {$390.00}. I have informed them that I am unable to resolve the account for that amount, and to see if they can work out a resolution. I informed them that I will contact them later to see what can be done. I contacted them later on that day. They informed me that the amount can only be {$390.00}, and a manager signed off on the agreement, although I have never made a verbal nor written agreement for that amount. Originally, the amount was {$660.00}, then it changed to {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I returned a XXXX Volvo XXXX as instructed by Volvo. Volvo had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. Volvo still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, Volvo finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but Volvo continued to send me invoices each month. As you can see in the attached XXXX  report the balance changed almost monthly for no apparent reason or without any clear itemization.

Finally, Volvo claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask Volvo to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that Volvo had charged off {$2800.00} dollars.

I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call.

I ask Volvo to update the credit bureaus with the status of the account has been paid in full. Volvo agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off.

This was a 3-year lease. Not a single payment was ever late.

Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to Volvo they didn't seem to care. Thank you for any help you can provide.
Product: Debt collection

I moved out of my apartment in XXXX, Fl back in XXXX and cancelled my electricity before we moved. Time flew by and I forgot to pay my final bill. I recently saw a collection through the company Helvey & Associates go on my credit report and immediately disputed it. I called the company and asked for information and asked why I was never made aware of it. They told me they dont ever call and they told me they sent a letter to my old apartment which I no longer lived at and had no access to the mailbox. I asked for the collection to be taken off my credit report and I would pay the full amount of the debt but the lady I talked to kept repeating that it was my fault and they wouldnt remove it, all while I was trying to resolve the matter and settle this debt.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX I was never late on this payment. They accepted my payment then illegally charged it off. You can't legally write off an account and take my money. 

This account must be removed from my credit report or I will have to report this activity to IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a petition in XXXX XXXX Florida for Florida Name Change. The Judge granted the name change and I followed the steps to update my Social Security Card and my Florida Drivers License. I spent time faxing and mailing the documents to all three major Credit Bureaus, Experian, XXXX XXXX, amd XXXX. I also contacted my creditors including my Bank, Credit Card Companies, Utilities, Hospital wth my documents pertaining to my Florida Name Change. Everything was good. 

XXXX XXXX pandemic I pulled my Credit Report and Experian was the only company that did not change my name. I gathered all of the documents and mailed them to XXXX Texas again. I have tried a dozen phone numbers since XXXX to speak to a live agent with no success until 4 days ago. Experian must have transferred me to 5 different agents in a period of 5 hours on the phone being placed on holds in 20 minute intervals. The first lady I spoked with cliamed that she found my documents and proceeded to transfer me over to XXXX online portal to change my name. After explaining this situation over and over I was told that I was speaking to the fraud department and would be transferred again. 

I was excited to see that this would be taken care of after almost 4 years. Then 5 days ago on Friday I recieved an email claiming that they needed more documents. I don't want to send more documents every other week that cost money and my time and my effort when I risk the company having no success at doing their job.This is important and they seem to not care. 

XXXX XXXX and XXXX began reporting my new name immediately. 

Monday I spoke to another agent about the email response and he wasn't very nice and asked me to upload the documents to Experian.com/upload. I have tried the last 3 days with no success. The Website does not except the required pdf or Tiff files. Its a constant error message that pushed me to spend a few hours resetting my Computer and using other browsers. Complete failure. 

I just want my new name changed on my credit report. I don't want to have to keep sending documents every other week. They were mailed to them twice. It has been almost 4 years. 

Please help?
Product: Debt collection

Transworld Systems has violated the Fair Credit Reporting Act and has reverted to extortion practices in an attempt to threaten me into making a payment. 


Manager XXXX XXXX ( XXXX ) XXXX XXXX