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

Approximately mid XXXX I opened a Coinbase account. As per policy I was asked for and provided my government issued ID card as well as my full social security number. Less than a year later my phone was stolen and it was the only device I used to transact on Coinbase. Consequently I was locked out of my account. In mid XXXX this year I contacted Coinbase to regain access to my funds. They made me go through several verification steps including opening a new account, taking selfies with my ID and the date and " for Coin base verification '' written on paper over a two day period. They verified my social security number and required a copy of my ID which i provided. Next they had me use some kind of facial recognition software to take more selfies. After this process was completed I was told all steps had been completed and we were just awaiting the balance transfer from my old account into my new account. Approximately 5 days later the money still hadn't been transfered I spent more hours of MY time on the phone with them. They had me start the process over from the beginning as if I hadn't already spent hours doing the full verification. Than they say that I need to add apple pay to my account for the transfer to happen. I told them I wasn't willing to add XXXXXXXX XXXX as it shouldn't have any bearing, my old account didn't have it. Than they say the only other option is to provide debit card information that was connected to the old account, which I don't have. I just want my money to be transferred to my new account. All told i spent over 5 to 7 hours going back and forth with customer service between waiting for a representative to actually taking pics etc. It's my money and I'm verified on both accounts can you please help me. Thanks.
Product: Payday loan, title loan, or personal loan

I have more than paid back the loan. I need it to stop.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance in investigating accounts from these companies that are inaccurately reporting late payments. After reviewing my credit report, I noticed certain accounts showing late payments, which is incorrect. These accounts should not have any late payment remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) RE : Account Number XXXX Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has me locked out their credit reporting site because a XXXX didn't like my XXXX and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX  are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section XXXX, XXXX, XXXX and XXXX. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

DUE TO BANK MAKING ERRORS ON PUTTING MONEY IN WRONG ACCT CAUSED FEES TO BE CHARGED TO MY BROKERAGE ACCT AND ALL THE CONTACTS TO FIND OUT WHY AND MANY OTHER ISSUES AND XXXX I WENT THRU SINCE XX/XX/year> THRU XX/XX/year> AND BRANCH MGR ISSUES I GET WE CLOSING YOUR ACCT AFTER XXXX PLUS YRS DUE TO XXXX  IAM BEING TREATED WITH CLOSING AND CALLING XXXX ENFORCEMENT OVER THEIR MISTAKES AND ENDLESS TIME ON PHONE AND EMAILS NO INFO ON WHY WHO AND REF # NUMBERS ON WHY AND ETC. THIS IS NOT THE ONLY ISSUE WITH THIS BANK EITHER!!!!!!!!!! THIS IS CAUSING ISSUES BECAUSE I AM RETIRED AND XXXX ON SS WHICH NOW HAVING TO PAY BILLS AND MAKE SHUR IF THIS ACCTIS CLOSE WHERE TO GO THIS IS ABSOLUTLY ABSURD TO TREAT PEOPLE BECAUSE OF WOKE GENERATION!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I Have Tried Every possible way to cooperate with Transunion and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have two accounts on my credit report that are charge offs but I never received a 1099c from the creditors which they have received a tax wrote for them.. and this debt shouldnt be reported on my credit report I have also requested them to update my personal information as I provided them with a form of id my social security card and proof of residence and my phone number. It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase a home for my family and I and I realized that their were items on my credit report that were damaging. According to 15 U.S.C 1681 law there should not be any damages on my credit report as this is defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I was rejected when trying to open a certificate of deposit with a bank that uses Chex Systems due to a low ( XXXX ) Consumer Score from Chex Systems which I believe has been wrongly or arbitrarily generated. I have excellent credit ( XXXX score ), no negative financial issues ever ( 20+ years as an adult ), XXXX debt and over $ XXXX in savings. I have called multiple times to get the score ( XXXX they sent the wrong report ) and when I finally received the report the score was based on 2 reason codes XXXX Time since XXXX Inquiry XXXX and XXXX Insufficient DDA Inquiry Activity Same Fi with no explanation in report or anywhere on their site as to what these mean so I can dispute. I tried calling on XXXX and again was told they have no info and would send a letter explaining. Can you help me with getting answers from Chex Systems and my score addressed because it doesnt make any sense for them to rate me a high risk for reasons detailed above.
Product: Bank account or service

In my previous complaint ( Case number : XXXX ) I issued against Bank of America I gave an incorrect bank account number ( I have more than XXXX with them ). I am being charged wrong - the day XXXX issued this complaint I had {$28.00} or so that evening, the same transactions showed on my account but instead I was further overdrawn and another XXXX fee was taken - XXXX {$35.00} fee 's in a week??
Product: Vehicle loan or lease

Vehicle was involved in a collision that resulted in a total loss. The responsible insurance company did not pay the required balance in a timely manner resulting in a missed payment. The account has since been closed and the company has failed to report this to the credit bureau.
Product: Vehicle loan or lease

Ally Financial sold my car ( at a profit/surplus ) after repossession XX/XX/year>2024. As stated in Uniform Commercial Code ( UCC ) Article 9, " Surplus : If the vehicle sells for more than the loan balance and repossession costs, any surplus amount should be returned to the borrower. 

Notice of Sale and Fair Market Value The lender is generally required to notify you of the sale ( often called a " Notice of Sale '' ) and must sell the car in a commercially reasonable manner. This means the lender can't just sell it at an unreasonably low price and still try to hold you accountable for a large deficiency. 

Please see UCC 9-615 for the rules on surplus and deficiency, and UCC 9-611 for notice requirements. '' Therefore I've been patiently awaiting my surplus check as the vehicle is currently selling for significantly more than what we still owed on the car after paying on it for over 6 years.

However, the check never arrived just a letter claiming the check was issued but never cashed and a request for us to contact Ally 's Accounts Payable department to verify our address. 

I returned the letter with the verified address but still haven't received the reissued check. 

So, I called today and spent over XXXX hours on the phone, was transferred 5 times to XXXX different departments ( none of them Accounts Payable ) but still was not able to get any viable information on the missing check or even the correct contact information of the department that issued the letter ( please see copy of letter attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

CBC was sent a certified letter with return receipt for " request for verification '' on XX/XX/2021 for 2 accounts which are showing negative on my credit report. They received the letters because I received the " return receipt '' showing they received both letters regarding both accounts. I have never received a response from CBC collections nor have they verified my account and they have not removed it from my credit file.
Product: Credit reporting or other personal consumer reports

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 

According to the above mentioned act and more precisely 20 USC 1232g ( b ) I have the right to privacy when it comes to my education records. section 1232g ( 4 ) ( A ) also includes the definition of an education record and what information that entails. It states that directory information only is to be included in these said reports. 

For example it states ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; record-keeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following It then goes on to break down each exception and consumer reporting agency is not listed as one of the acceptable parties. Furthermore the U.S. Dept of Education does not have my written consent to furnish my information and records to Experian.

The act in its entirety is uploaded as proof of claim.
Product: Debt collection

I am submitting this complaint against Midland Credit Management XXXX XXXX regarding their handling of a debt collection lawsuit filed against me, case number XXXX XXXX, in the Special Civil Part, XXXX XXXX XXXX New Jersey XXXX The case, initiated on XX/XX/XXXX, resulted in a default judgment entered by the clerk on XX/XX/XXXX, with an initial demand amount of {$950.00}. I believe Midland Credit Management has engaged in unfair and potentially predatory debt collection practices, and I am requesting the CFPB to investigate their actions. 

Despite my efforts to address this matter, I was unable to properly respond to the lawsuit due to inadequate notice and unclear communication regarding critical case deadlines. Throughout the proceedings, I submitted multiple letters and objections to the court, including correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also filed objections to the wage garnishment initiated by Midland Credit Management. However, the plaintiff proceeded to request a writ of execution against my wages, which was issued on XX/XX/XXXX. I believe the wage garnishment process was unfairly pursued without consideration of my financial circumstances or a meaningful effort to resolve the matter outside of court. 

I also filed a Motion to Vacate Default XXXX on XX/XX/XXXX, which is currently pending and scheduled for a decision on XX/XX/XXXX. This motion highlights the procedural deficiencies that led to the default judgment, including insufficient notification of the plaintiffs motions and my inability to adequately defend myself. Furthermore, I requested an adjournment of the wage execution hearing originally scheduled for XX/XX/XXXX, which was later rescheduled for XX/XX/XXXX. 

I am concerned that Midland Credit Managements actions, along with the conduct of their legal counsel, violated principles of fairness and may have breached the Fair Debt Collection Practices Act ( FDCPA ). Their failure to provide timely notice and adequate communication deprived me of the opportunity to respond effectively and defend my case. Additionally, their pursuit of wage garnishment without addressing my objections or financial situation raises questions about their compliance with federal regulations governing debt collection practices.

Additionally, had Midland made offers in the form of a payoff presentment, following due process accordingly in good faith, I would have made the necessary arrangements to enter into good faith negotiations to suffice the debt. Instead, it appears that Midland feels that they do not have to follow the law in its entirety and pick and choose what best serves their bottom line. Since they have basically flaunted the law, I am seeking remedy and relief as well as disciplinary actions against Midland Credit Management , Inc for their blatant disregard for due process of law.
Product: Credit reporting or other personal consumer reports

I have identified significant inaccuracies on my credit report, which TransUnion, XXXX, and XXXX continue to verify as correct, despite clear evidence to the contrary. The continued reporting of this incorrect information is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 and Section 611, which require accurate reporting and thorough investigations of disputes. 

I have included proof that demonstrates the inaccuracies, yet the credit bureaus have failed to make the necessary corrections. This negligence in correcting the false information after being provided with clear evidence is unacceptable. I demand that this incorrect information be removed from my credit report immediately to prevent further damage to my credit standing. 

Please take immediate action to rectify this matter and ensure full compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

This company sold me a lemon car then removed the vehicle and then damaged my credit without any warning are noticed violating my consumer rights.
Product: Mortgage

My dad passed away XX/XX/XXXX. Insurance company cxld Ins and sent letter to them XX/XX/XXXX. Chase notified me XX/XX/XXXX that there was no insurance on house from XXXX. As soon as I was notified I got insurance. Chase is now backdating coverage and charging me for something I was never notified of. They backdated insurance policy to XX/XX/XXXX. They did this in XX/XX/XXXX.
Product: Credit reporting

XXXX and XXXX also has the BK reporting incorrectly. Experian does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX *Please update the payment history with these accounts on file* Account Name : XXXX Account XXXX XXXX *Please update the payment history with these accounts on file* In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Debt collection

In 2020 I closed my XXXX account. And moved my number, I paid my last bill. I started receiving calls that I owed a bill and it was sent to a collection agency call South West. XXXX gave me an address XXXX XXXX XXXX XXXX TX XXXX. I sent an email asking to get the bill, I sent a letter to South West Credit asking them to validate the debt, I never heard back from them. 

I ran my credit report on Friday, I saw XXXX bill was still on my account. I called South West Credit to dispute the bill and make a settlement. I found out that they had my wrong address and the wrong amount. 

I offered to pay half the bill to get the debt deleted from my account. They told me that I was suppose to write to them at the XXXX XXXX XXXX XXXX XXXX Texas XXXX. That address was not a contact on my credit report. 

They offered to take half the money as a settlement but not remove it from my account. 

I never got a chance to dispute the bill or they never validated the debt. When speaking to them today they said they can validate the debts now.This is after a year, they agreed my address was incorrect. They were very rude and also acted as bullies
Product: Credit reporting or other personal consumer reports

15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the day of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion.
Product: Consumer Loan

On Friday, XXXX XXXX, 2016, there was an un-authorized transaction in the amount of {$1100.00} from Speedy Cash. I never authorized Speedy Cash to use my card ending XXXX to pay for this loan. 

In the past I had a loan with speedy cash that was paid for in full, and one of the payments made on that loan was made by my card ending in XXXX. NEVER did I sign anything from Speedy Cash authorizing them to use this card for future payments, nor do they give you a warning saying this card will be and/or can be used for future payments. 

I took out a XXXX loan from Speedy Cash around XX/XX/XXXX or XX/XX/2016, NOT once did I provide them or authorize them to use my card ending in XXXX. I provided them with a different card number. I then let Speedy Cash know that I have retained an attorney and I am in the process of filing a Chapter XXXX bankruptcy. They refused to stop taking money from my acct because a bankruptcy case has not been filed, and this forced me to close my bank account with another financial institution because of their predatory practices. 

I contacted Speedy Cash and spoke with XXXX in the Bankruptcy Dept of Speedy Cash and she refused to reverse the transaction saying I authorized them to use this card. I attempted to explain that I DID NOT authorize them to use this card of this loan, and she told me because I used this card once on their website it authorizes them to use this card for payment. I told them NO where did I sign anything saying they can keep that card on file, it was a one time payment with this card. She did not care and kept repeating that I authorized them to use this card. 

This company preys on people and uses deceptive practices to take money from authorized accounts, they have been informed and have been provided my attorney 's information which obviously they could care less. The money they took belonged to my husband and was from HIS paycheck and not mine. This was money to pay for our rent, children 's school supplies, clothes and groceries until the next payday. 

I am respectfully requesting that this transaction be reversed and funds be deposited back into my account immediately.
Product: Debt collection

Went to a Florida hospital while at XXXX XXXX in XXXX of 2016. After giving the receptionist our insurance card and information, we were told there wasnt a medical doctor there for us to see. So we told the receptionist that because there wasnt a doctor there, we were going to find another hospital to go to and left. They filed on my insurance anyway. My insurance paid them and the other hospital even though I was never seen by anyone at that hospital. They were trying to collect the non emergency copay of {$75.00} from me. I contacted the Hospital at the time I received a bill and was told that even though I hadnt seen anyone and had left before seeing anyone, I had given them a XXXX sample and that just by walking through the door they had the right to bill my insurance and demand my copay. We agreed to disagree. At any rate that was that was over 6 years ago. The statue of limitations for Texas is 4 years ( which is where I live ) and the statue of limitations for Florida is 5 years. Meanwhile, the debt keeps getting sold over and over to new debt collection agencies who try to tell me the clock starts over and continue to contact me regarding the bogus debt. It is ridiculous.