23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The Consumer Reporting Agency known as EQUIFAX has decided to record illegal documents in relation to The Plaintiff 's Consumer Report. This ILLEGAL Document is a representation of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There is an illegal account of {$3700.00} reporting on my Equifax XXXX Report as the Result of a Fraudulent credit card. 
In addition, this account has been closed for some time. However, Equifax has been reporting LATE Payments on a closed account ( see attached ). 
This has NO Permissible Purpose and in Direct violation of FCRA Standards! 
Absolutely Metro2 - Non-Compliance.
Product: Debt collection

I bought a car I thought on XXXX a 2017 XXXX XXXX XXXX I was then told the deal did NOT go though I did Not sign anything to buy the car the car showed up blocking my driveway AT XXXX  I told transporter I did not want the car and did not sign for it I was told the car in question was sent back to the car dealership I do not have the car and have received XXXX phone calls from Westlake financial telling me they don't care I still have to pay for a car I don't have and never signed for refuse to stop calling XXXX times a day threatening me I have told Westlake to stop calling me call all hours XXXX XXXX  refusing to cancel the deal
Product: Debt collection

PRESSLER, FELT & WASHAW, LLP violate my personal and private right and also sue me without proper documentations and are refusing to send me requested documentation from my person to them. Also with out a judgment act they violate my right asking me question by phone as, " If I Rent or Own a property '', " Name of Employer '' and Source of income. The whole phone conversation as recorded by my person and as Uploaded on my personal XXXX XXXX, and will be use for courts matter against this company in the future Link to recorded conversation : XXXX XXXX XXXXXXXX? XXXX 

PRESSLER, FELT & WASHAW, LLP keep sending me true mail the same invalid documentation over and over again ( see Attachment ), but till this moment they couldn't provide me with the following Documentation. 

XXXX. Signed and Dated contract between me and XXXX XXXX. 
I request this document by now, WHERE IS MY SIGNATURE on Paper? 
XXXX. Signed and Dated contract between me and PRESSLER, FELT & WASHAW, LLP. 
XXXX. Full Account XXXX of XXXX Account XXXX. No 30 days notice letter to Dispute this XXXX. 
XXXX. Settlement offer via MAIL XXXX. Privacy Notice XXXX. Chain of XXXX XXXX. Assigned XXXX XXXX XXXX. Proof of Contrast By now and due the FACT that PRESSLER, FELT & WASHAW, LLP couldn't provide me the above documentations and on time I doubt this Debt is mine and think this a Mistake of Fact and or maybe we need to talk here about a Identity Theft on my person.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items need to be deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

XXXX XXXX XXXX/Synchrony Bank offers customers the option to get reward points or defer interest on qualified purchases made using the XXXX XXXX. Purchases made under the deferred interest option are purportedly tracked under the cardholder 's " promotional '' balance. Those made under the rewards program are tracked under " non-promotional '' balance. Unfortunately, it seems like the company lacks the necessary computer systems to keep track of " promotional '' balances separately from " non-promotional '' balances, leading to incorrect interest charges on customer accounts. This is my second complaint on this matter. The first complaint was CFPB Case XXXX. 
My most recent experience is summarized below : On XX/XX/XXXX, I made a payment of {$1400.00} which I requested to be applied to my non-promotional balance. As of today XX/XX/XXXX, more than a month after my initial request, this still has not been processed Since my original request date of XX/XX/XXXX, I have made several calls and chats with the banks customer representatives to follow up. I was told by some representatives that this would be processed within 3-5 business and some others that it would be done by the next billing cycle which has already come and gone. Any outstanding non-promotional balance incurs interest. I want to make sure that this doesnt happen and that I dont have to spend any more time with the company to make sure that they process my payments accordingly.
Product: Mortgage

Rocket Mortgage bought my mortgage from another lender. In the process the information on paying the hazard insurance did not get transferred over and the insurance lapsed. Rocket Mortgage informed me that there was no insurance, and I took steps to get new coverage within two days. Rocket Mortgage now deducting from my escrow to buy retroactively insurance for the lapsed period of XX/XX/year> - XX/XX/year>. No losses were incurred during that period and would likely not been paid if they had so this appears to be a junk fee being charged. They " bought '' the " insurance '' XX/XX/year>. Loan # XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Bank Of America due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Bank Of America failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I received a call from TD Auto Finance at my place of employment ( the number referenced ) and asked the operator to note that I am unable to receive personal calls at work. The operator said she would note my account that the number was not to be used for collection purposes. Yesterday, I received another call at my place of employment. I was away from my desk but saw the number on the caller ID. I sent a complaint through their communications system on the TD Auto Finance website with the following response : " Thank you for reaching out to TD Auto Finance to share your payment intentions. To have your payment intentions noted on your account, please call us at XXXX Monday through Friday XXXX XXXX to XXXX XXXX Eastern Time, Saturday XXXX XXXX to XXXX XXXX. Eastern Time, and Sunday XXXX XXXX. to XXXX XXXX. Eastern Time. If you have any other questions or need further help, please let us know. We value you as a Customer and are here to serve you. Thank you for choosing TD Auto Finance. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance. '' Less than 24 hours later I received ANOTHER call at my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on Social Security. Every year Congress determines if we get a raise. I have had 2 or more Social Security raises/increases since the last reported Social Security income on all three Credit Bureaus. All Credit Bureaus know this happens annually and knows the amount of income you have can have a very positive impact on your credit reports yet they not only fail and refuse to update the information automatically, they provide NO WAY for the consumer to accomplish this important task themselves. I have tried on numerous occasions to no avail. I have even tried to have the sub-contracted lender do it for me and they thought they could but can not. I just want my credit reports to reflect the truth and have no way to do this. Please help. 

Additionally, XXXX and Equjifax both report my mortgage as if it was some sort of private loan and not my monthly mortgage payment. XXXX does show it properly as my mortgage payment?
Product: Debt collection

I was helping a friend i thought i could trust because she was XXXX because she couldnt get cable in her name so i put it in my name i was living in a motel at the time but used her address as a way to get mail for awhile she ended up not paying the bill so i cancelled the account and she ended up getting another account in her daughters name and not paying that she has ruined XXXX peoples credit
Product: Mortgage

Wells Fargo has been extremely negligent in the follow up for mortgage refinancing. Specifically, there are outstanding items since my closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
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 ortina can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding Equifax. I am listed as a potential victim of the data breach which occurred from XXXX through XXXX XXXX. They did not take enough precaution while holding so much sensitive information.
Product: Credit reporting or other personal consumer reports

hi I recently looked at a copy of my credit report and noticed that there are accouple inaccurate information on my account and this inaccurate information is hurting my ability to obtain credit. can you please do an investigation with them to make sure everything is reporting right on my report. 

here is the account I seen was incorrect and I'm asking for you to verify as accurate XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate addresses : XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX. XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Had a dispute on charges, was asked to write a letter and mail and fax.Did as asked XX/XX/2020. As of today have not heard a response and the phone is not answered have spent over an hour listening to the recording but no one picks up.It has been over 30 days and I expected a reply before now .Would have liked to resolve with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance Owed : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Request that all credit reports be corrected. Correcting incorrect information, inaccurate information, information that isn't and hasn't been verified, stating that it had but I know that wasn't true and information that doesn't belong to me
Product: Money transfer, virtual currency, or money service

Coinbase I opened an account with Coinbase in the fall of XX/XX/XXXX. In XX/XX/XXXX, Coinbase initiated 2FA for account access, but I was not advised in time and I lost access to the account. I opened a second account and asked them to transfer any residual funds to the second account, which never happened. 

In XX/XX/XXXX I was informed by Coinbase that my account was being terminated without explanation or cause. There was a small residual amount of funds left in that account as well. 

However, the value of bitcoin has risen far higher since that time. What was worth less than {$10.00} is now worth several hundred dollars. I have contacted Coinbase twice about getting the funds returned to me, and their was response was " We have no record of you ''. 

This is nonsense. Under XXXX rules, I was required to submit an enormous amount of information about myself, including email address, physical address, social security number, bank account information, a scan of my drivers license, and more. 

Coinbase should be able to easily identify me and my accounts, and return any funds left in them. To claim that they have no ability to identify me or locate my account records can only be viewed as fraudulent. 

I have no paper records to provide, because getting the information, such as account numbers etc. would require accessing the accounts, which Coinbase has locked me out of. No bank can legally operate in this manner.
Product: Student loan

Regarding : - My Private, Federal, Department of Education Student Loans Concern : 1. Origination Process a. XXXX XXXX should be held accountable for lack of ethics, underwriting, deceptive marketing practices, price gouging, and absence of clarity to uneducated borrowers by not explaining truth in lending. XXXX XXXX knowingly failed to recognize my financial understanding, vulnerabilities and financial position during the origination process. 
b. Both XXXX XXXX College and Sallie Mae should be held accountable for originating loans designed to fail 2. Repayment Servicing a. Sallie Mae Bank and Navient Solutions , Inc. should be held accountable for course-plotting me into five of the six forbearances when IBR should have been made available, for omitting pertinent information that would allow me to make informed financial decisions on multiple occasions, for false claims stating theyre willing to act in the best interests of the borrower if the borrower calls in for assistance, for misallocating and misapplying payments, for numerous errors on their website, for misinformation given by customer service representatives, for being placed on hold for an hour and a half, for lack of clarity and transparency and for a substantial monetary injury to both myself and my husband.

Please see my 13 page complaint letter and supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my report by XXXX XXXX  showing closed one since XXXX an the other XXXX however the Bureaus are still reporting them as delinquent and past due. Please have these accounts deleted and updated asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am filing this CFPB complaint for violations of my civil rights. Under the FCRA, 15 usc 1681 in accordance with federal law. My rights have been violated by the credit bureaus, Experian, XXXX XXXX and XXXX XXXX XXXX. 

I sent my first dispute on XX/XX/2023 cerified receipt returned to each of the credit bureaus, in the dispute process. I never received any dispute results, In accordance with FCRA, 15 BUSC 1681 per fderal law. Not responding within 30 days. Constitute negligent noncompliance. According to the Fair Credit Reportng Act, 15 USC 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and rcord the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE A COPY OF VERIFIABLE PROOF, you must remove the accounts listed below. 

On XX/XX/2023 I sent another certified letter Second Written Request for you to remove the unverified accounts listed, that remain on my credit report in violation of 15 USC 1681. The inverified items listed on my report still remain on my credit report in violation of Federal Law.

In accordance to the Fair Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the pocedure used to determine the accuracy and completeness of the information, and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that descripition as according to the Faic Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 7 ).

In the lack of results, or non results of my first request for a investigation ( you did not send any verification information ) thus you are in direct violation of negligent noncompliance.

You have not provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA-you are required to '' promptly DELETE all information which can not be verified. ".
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.