23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I deposited money into a XXXX banks ATM at XXXX using a USAA  debit card. I got an error receipt stating to contact my institution which is USAA. so on XX/XX/XXXX I filed for a case and then it got denied XX/XX/XXXX because they have no transaction but thats because my bank is USAA and not XXXX Bank who would have the transaction since its their ATM and did not contact XXXX Banks to further investigate because they dont have ATM rights. USAA told me to file a claims case with XXXX Banks but I can not do that because XXXX Banks is not affiliated with me in any sort of way besides that I used there ATM for this transaction. And under Regulation E, USAA would be the liable party to help me with filing a case and getting XXXX $ to my account since Im affiliated with them and used their card in the ATM. Since then they tell me they cant help because that dont have the ATM right but XXXX Banks also cant do anything since they dont have my identity in there institution at all. Its now XX/XX/XXXX and they keep telling me they cant help even though Im their affiliate bank and they have no way of resolving this issue in the present or future so they are going against Regulation E and being the liable party for my account and money
Product: Checking or savings account

Chase has closed my account to fraud! SBA LOAN! However they have only provided me with an email address for for further action, no one responds from the email address given in 2021 the funds have not been returned and I need to know where it is, when will they get returned? Chase states they no longer have funds! So where are the funds? Is my question and how can SBA retrieve them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Promise to remove inquiries off of XXXX And failed to do so. They recommended that I wrote each company and challenge the inquiries. They refuse to close my account. Every time I try to submit a claim they locked me out of my account. And no representative answers the phone to assist.
Product: Vehicle loan or lease

The car was reported stolen then ended up being found but it can not be driven its totaledI ended up calling my insurance but come to find out I didnt have full coverage but I had the GAP insurance with the bank.I have contacted them about it but they did not resolve the problem at all I still have the remaining balance of XXXX dollars with no vehicle. I was paying gap insurance with the loan but I guess that doesnt matter
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ToWhom it may Concern : This is a complaint submitted Under OHIOLAW U.C.C131912 Taking Assignment of Debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, under LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

Threatning a wage assignment. They have not even taken me to court or sued.
Product: Credit reporting or other personal consumer reports

Rent Recovery Solutions has defamed my character, and creditworthiness and continues to commit periodic invasions of my right to privacy. They have furnished an unverified alleged debt to multiple third parties, including but not limited to XXXX, XXXX, and XXXX. This has caused me financial harm, emotional distress, and embarrassment. Due to their unfair furnishing of this unverified information, I've been denied credit on multiple occasions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
{ dispute_item_and_explanation } XXXXXXXX XXXX : Acc # XXXX ; Amount : {$200000.00} XXXX XXXX  : XXXX # XXXX ; Amount : {$9800.00} ( also on the report it is reporting on-time payments after there was a charge off, that is not possible ) Please delete this account. Not my account.
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 is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called an stated there are no agreements with DIVERSIFIED ADJUSTMENT, INC. And they gave me a round around statement.I have no knowledge of it, no legal obligation for it and no information as to its origin. 
There is NO police REPORT or fraud AFFIDAVIT possible and no information or documentation in my possession in regard to the data contained in the tradeline CREDIT REPORT.This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

XX/XX/2023 sold {$15000.00} amount due {$7000.00} called over ten times no response agents gives the run around every time
Product: Credit reporting or other personal consumer reports

the credit reporting agency only said the bankruptcy was mine didn't verify who said nor provide documentation.
Product: Credit card or prepaid card

Made a purchase using my Citi bank card on XX/XX/2022 in the amount of {$440.00}. The merchandise was never received. I submitted a dispute online on XX/XX/2022. Further submitted a dispute form requested by Citi bank on XX/XX/2022 that the merchandise was never received. 

Received a letter today ( XX/XX/2022 ) stating the dispute is unsuccessful and the charge and interest will be re-applied to my account. 

I am being billed for merchandise never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX contacted all XXXX credit bureaus XXXX, XXXX, & Equifax, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to CPFB XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, Equifax reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with KOVO INC was never late! I have had exceptional payment history with KOVO INC and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


KOVO INC Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My credit card was stolen and used to make fraudulent purchases. I did nit authorize these transactions and I have reached out to the companies to have this issue resolved which they have made it very hard even after sending my police report.
Product: Money transfer, virtual currency, or money service

My brother passed away on XX/XX/2019. I found that he had a Coinbase account with XXXX ETH in it. Currently worth just under XXXX XXXX dollars. I looked up what to do with a deceased account and Coinbase said they would transfer the assets to another Coinbase account pending documentation. This initial contact with the company was on XX/XX/2019. 

I submitted the documentation and was given a set of instructions. I followed the instructions and they did not work. I told support I followed the instructions. They said follow the instructions. I sent pictures of what my screen looked like, wallet ID info, address, etc. Coinbase responded with ... follow the instructions. It seemed like the process was run by a chat bot as responses did not react to my messages. 

I tried to call Coinbase on XX/XX/XXXX, customer service said that only a specialist can help and I should get a response shortly. Nothing. Contacted on XX/XX/XXXX. No response. I contacted them on XX/XX/XXXX. Nothing. 

Coinbase is refusing any action and wrongfully holding onto the assets of a deceased individual, ignoring family requests and court documentation.
Product: Student loan

During the month of XXXX, 2020, I enrolled in XXXX  college to obtain a XXXX XXXX XXXX. I contacted Navient to discuss an XXXX deferment for my loans. In this phone call, I was informed that I was eligible for complete deferment of my private loans for the duration of my enrollment. I was told to send a letter to Navient confirming my enrollment, which I did. When I checked my account several weeks later, I noticed that I still had a payment due. I called Navient again, and customer service informed me that the due payment was a mistake and removed the notification from my account. Several months passed and in XX/XX/2020, I received another notification that I had a payment due. I called Navient yet again, and this time, I was informed that I was behind on payments for several months. I informed them that I was told this was not the case and that I was in a deferment. Upon looking into my account, the representative this time informed me that I was never in a full deferment program, but a deferment program that moved my payments to interest-only payments totaling around $ XXXX month. I explained that I had called several times and was told that my loan was in a full deferment program. I expressed my confusion about this, as my previous rate-reduction program had set my payments to $ XXXX month. I asked simply, " Why would I choose to enter a payment program that pays interest only and increases my payments while I am paying for school? '' At this point, I was told that I had authorized a previous representative to cancel my rate-reduction program in favor of the interest-only program, which I had never done and was never informed of. I asked if I could, at least, return to my previous program, and I was informed that this is impossible because I cancelled my program ( which, even if I had cancelled it, I would have done so because of wild misinformation regarding the deferment program on multiple occasions ). I asked what my options are, and I was told several times that I have no options but to make all of my " late payments '' that I " owed '' for the several months that I was supposed to be in a full deferment program. Since these conversations, both me and my co-signer ( my XXXX-year-old grandmother ) have received upwards of 15 phone calls per day, each, from Navient. This is merely the most recent in perhaps a dozen other times I have been grossly misinformed by this company in a way that has negatively impacted and damaged my life and my credit score while creating undue stress and enduring harassment for both me and my grandmother.
Product: Credit reporting or other personal consumer reports

Today, I reviewed my credit report and noticed several hard inquiries that I did not authorize. It appears these inquiries are related to automotive loans. 

These are the hard inquiries companies : Inquiry : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX
Product: Debt collection

AMCOL recently reported to the XXXX credit bureaus that I have an unpaid {$890.00} bill owed to XXXX XXXX. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute this account. I would have liked to have that opportunity because I am certain my health-care provider paid this anyway.
Product: Credit reporting or other personal consumer reports

This is related to a prior complaint : XXXX. For years I have had a " Serious Delinquency '' notation on my account- yet I have no pate payments on my credit report. I have called TransUnion 20 times to find out what is wrong. Their customer support is useless and gives me no explanation after spending hours and hours on the phone. 

Recently, I boughyt a subscription to XXXX On this site, I was instantly shown that my XXXX finance account had a negative status. This account has no missed payments. ( The facts are that the vehicle was totalled in a bad accident. My insurance, XXXX, paid the bill in full, and there was no missed lease payment. ) You can see the perfect payment history in the attached files along with the incorrect notation. 

This was my first real clue as to what was wrong. I went to the TransUnion site to dispute this. I have a subscription there. I went through the Dispute process. At the end - their software is terrible and buggy - I got a message : go to the " primary '' Dispute Center if you want to upload files. What a miserable user experience as I had already spent an hour trying to fill it in. It gave me a link to a different site- their Service Center. I logged into this site and sure enough in the Dispute Center their it listed my XXXX account as negative. It's their site!! Why couldn't they fix this years ago? It has cost me so much money. I would paste in a screen shot- but I can't because I can only have one dispute in progress at a time! How ridiculous. I want this problem fixed!!!! They should reimburse me for the higher interest rates I have been charged as a result of the error in their data they couldn't even find- for years.
Product: Mortgage

On XX/XX/2016 I paid off a Heloc " Home Equity Line Of Credit '' to Bank of America for {$240000.00}. I was never late during the seven years it was open. Within sixty days after the payoff I received a credit update that I was late on this account. I immediately disputed the item with proof to all XXXX bureaus and XXXX and XXXX Removed it immediately. XXXX is asking for something from Bank of America stating that I was never late. After hours of asking for that document with Bank of America letterhead, and multible transfers to different departments I contacted a loan officer at Bank of America who has been trying to help me, but getting absolutely nowhere. Please help me in this matter as Im trying to refi and my score is down due to their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with address appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. 
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: Credit reporting

There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, 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. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update them immediately in my report : XXXX XXXX XXXX XXXX  Date Opened:XXXX2019 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I am writing to complain about an insane marketing practice. I received a check in the mail from " Mariner 's Finance. '' It was a check for {$3500.00} made out to me that I could cash. It had a finance charge of {$1700.00} and I think 26 % interest. I was really upset that they could advertise like that, it seems incredibly predatory. It is an easy way for someone in a pinch to get money, but the terms are unbelievably horrendous. I do n't know whether this is legal but I hope it is n't and Mariner Bank is stopped. If it is legal I hope my outrage keeps others from falling for this predatory tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX