23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

When I originally got the truck loan I gave Coastal Credit an account to use for Direct Payment. After two payments I closed the account due to fraudulent charges ( unrelated to Coastal Credit ) and did notify them. I told them I would be paying either over the phone or online for the duration of the loan. Coastal Credit continued to try and withdraw funds from my closed account and would not discontinue until after six months. Now Coastal Credit will not allow me to pay online.
Product: Debt collection

XXXX came out to the house to get new service but unsuccessful because there is/ was no land line to my house. All equipment that technician left and was never connected returned to the store. I have receipt. No connection available to my neighborhood. They charged me for services never rendered, never had internet or cable with them. I went to their store to dispute charges. They gave me credit. I have receipts. Communication between store and billing was never accomplished. Bill went to collections agency!!! Not fair it ruined my credit. I attempted several times at XXXX store. This is fraud!!!
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Checking or savings account

On XX/XX/2021 XXXX XXXX XXXX Syncrony Bank  ) With whom I have a lease program with my XXXX XXXX made an unauthorized withdrawal from my checking account in the amount of {$280.00}. This withdrawal caused my account to become overdrawn when authorized payments cleared, resulting in my account being charged an overdraft fee of {$35.00}. On XXXX XXXX upon becoming aware of the overdraft I was forced to make a deposit from my savings of {$100.00} to cover the overdraft and fees incurred. I sent this bank a letter and then called them on XXXX XXXX when I did not hear from them. They requested a copy of the bank statement which was sent about XXXX XXXX. Since that time I have heard nothing from this bank and am tired of messing with them. Hence this complaint. The name of the bank is Syncrony Bank  ( formerly XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The Account Number is # XXXX. All I have asked is that this bank refund the {$35.00} overdraft fee incurred due to their error. It took me about 2 & 1/2 hrs. to find where the mistake was made and get my bank to refund the $ XXXX is my hope your department can force this bank to correct their error they cost me. I prefer to do things this way rather than the Courts if possible. The name of the party responsible for the Charge was different than mine, which the bank should have checked. Respectfully, XXXX XXXX XXXX
Product: Credit card or prepaid card

Bluebird suspended my account with no reason. I have money on that account, i use it for unemployment benefits. They will not accept my calls or explain anything. I have no way of accessing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS DENIED CREDIT BY XXXX XXXX XXXX A FEW WEEKS AGO. I WAS SENT A LETTER INSTRUCTING ME TO SPEAK WITH XXXX, SO I CALLED XXXX AND REQUESTED THAT AN OLD FRAUD ALERT, WHICH I WAS TOLD WAS INACTIVE BE REMOVED. AFTER THAT WAS DONE, I APPLIED FOR CREDIT WITH XXXX AGAIN, AND THEY AGAIN DENIED ME SAYING I NEEDED TO ADD A PHONE NUMBER TO MY CONSUMER STATEMENT PORTION. AFTER CALLING XXXX AGAIN, THEY REMOVED A FRAUD INDICATOR ALERT, AT MY REQUEST, AND THEN SAID THE PHONE NUMBER WOULD BE ADDED IN THE NEXT 30 DAYS. THEN, OUT OF THE BLUE, XX/XX/2018, I RECEIVED A LETTER FROM TRANSUNION SAYING THAT " AT YOUR REQUEST, WE HAVE ADDED AN EXTENDED ALERT TO YOUR TRANSUNION CREDIT REPORT. I DID NOT REQUEST THIS, NOR DID I EVER SPEAK TO ANYONE AT TRANSUNION. I ONLY CALLED XXXX, AND I REQUESTED THE FRAUD ALERT BE REMOVED, NOT EXTENDED. I AM NOW UNABLE TO REACH ANYONE AT TRANSUNION, AND I AM UNABLE TO APPLY FOR CREDIT UNTIL THIS IS STRAIGHTENED OUT. I NEED A NEW CREDIT LINE TO PAY FOR MEDICAL EXPENSES THAT CAN NOT WAIT, AND I AM VERY UPSET AND WANT THIS RESOLVED IMMEDIATELY, OR I WILL HAVE TO CONTACT AN ATTORNEY. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and see that its fraudulent activity reporting. Please remove immediately XXXX XXXX XXXX {$230.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have disputed XXXX several times. Each time it comes back as verified. I am have been disputing the loan amount, past due amount, payment history and account status. This dispute comes back the same each and every time.. Recently I received a letter from Transunion which states they verified name, address, and social and updated everything else. Well what they verified was not in question. How can they update information without contacting the creditor, I was told XXXX was never contacted by Transunion. I have included a copy of my credit reportXXXX XXXX letters from XXXX, an email between the CEO of XXXX and myself, and the XXXX letters from Transunion. I am ask Transunion to stop breaking the FCRA laws.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$35000.00}.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated My rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Our reference : XXXX XXXX Original Creditor : XXXXXXXX XXXX  Original Account : XXXX Current Creditor : XXXX XXXX XXXX XXXX  . 
Balance Outstanding : {$150.00} On XX/XX/year>, XXXX XXXX, XXXX XXXX  XXXX, representing the creditor agreed and accepted the payment of {$150.00} as full and final payment to settle this debt. The payment was made on that same day by credit card. 
They now have fraudulently changed it in my credit profile as 'charged off ' resulting in XXXX point drop in my credit. 

They have breached the contract that we entered into where they will accept the {$150.00} as full and finally payment and settlement for the {$300.00} debt that was outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and again XX/XX/2019, I tried to dispute with XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok I have unauthorized inquiries and I have 3 accounts that I was never late on and 2 accounts that are identity theft that I didn't not open as described in the long letter attached. I have been battling this for over a year
Product: Money transfer, virtual currency, or money service

Completed XX/XX/2020 PayPal - negative {$1400.00} XX/XX/2020 Transfer PayPal - negative {$1400.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX
Product: Debt collection

I had previously file you a report on XX/XX/2023, requesting an investigation into the information being reported on this account. However, I received a response from you stating that the account was verified and there would be no change. Subsequently, I reached out to the creditors for verification of the information but received no response. I repeated my request for verification but still got no response. I have now exhausted all possible means to resolve this matter and demand that the account be deleted from my credit report as it is invalid and unverifiable. According to the Fair Credit Reporting Act, if there is no proof of debt and no verifiable information, then the information can not be reported to or by credit bureaus. Please take the necessary steps to remove the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see incorrect accounts on my credit report. I have no idea how they appeared, as I checked it just like I always do. After refreshing the browser, hoping it was an error, nothing changed. Im really hoping that the documents Ive sent will be properly reviewed to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

Equifax has made XXXX changes to my report recently, most of which are remarks of no significance like " Credit Card. '' or " Closed Account. '' which can be easily ascertained from the report information. 

Additionally, many of my existing accounts were added as " new accounts '' and one account that is definitely not mine was added, indicating that I took on ~ {$300000.00} of additional debt : Between XX/XX/XXXX and XX/XX/XXXX, your mortgage with SERVICEMAC/GUARANTEE was added to your report. This account was opened on XX/XX/XXXX. 


Additionally, another new account that I am not familiar with was added : Between XX/XX/XXXX and XX/XX/XXXX, your account with AVANT was added to your report. This account was opened on XX/XX/XXXX. 

After the XXXX changes, my credit score was negatively impacted by XXXX points. All other bureaus did not have any similar changes and I have not had any derogatory credit events that would prompt all of this data changing. It is negligent and irresponsible handling of personal credit files to make bulk updates/merges of data such as this.
Product: Debt collection

I, XXXX : XXXX, am a federally protected consumer and natural person. I have again received a notice and response from Wells Fargo that was made in noncompliance with the Cease and Desist notice as well as additional notices made prior thereof. 

As it currently stands, I have sufficient evidence and reason to believe that under direct violations of 15 USC 6801, GLBA, 15 USC 1681s-2, and other FCRA binding laws, WELLS FARGO BANK N.A . IS CONSPIRING TO COLLECT A DEBT THROUGH THE USE OF EXTORTIONATE MEANS BY FURNISHING NEGATIVE INFORMATION TO CONSUMER REPORTS AS PUNISHMENT FOR NONPAYMENT THEREOF. 

Please note the attachments, including an FTC report, Wells Fargo most recent response to me, proof of negative reports on my consumer report, and a cease and desist. 
I will continue to advocate my rights as a consumer until WELLS FARGO BANK 's fraudulent claims are corrected and billing adjustments are made to reflect the correct status of the account with proper interest being applied to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act account # XXXX XXXX XXXX XXXX  {$2200.00} XXXX, account # XXXX XXXX, {$600.00} XXXXaccount, # XXXX XXXX XXXX XXXX jewelers {$2900.00} XXXX, account # XXXX XXXX {$940.00}, XXXX XXXX XXXX XXXX  account # XXXX, {$580.00}, XXXX account # XXXX {$580.00}, XXXX account # XXXX XXXX account # XXXX {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, {$27000.00} XXXXXXXX XXXX XXXX  account # XXXX {$1400.00} XXXX XXXX XXXX  account # XXXX {$3100.00} XXXXXXXX XXXX XXXX account # XXXX {$610.00} XXXX XXXXXXXX XXXX XXXX account # XXXX {$630.00} XXXX XXXX. 
XXXXXXXX XXXX XXXX account # XXXX {$3100.00} XXXX. 
XXXX XXXX XXXX account # XXXX {$1900.00}, XXXX XXXX XXXX XXXX  account # XXXX {$680.00}, XXXX XXXX XXXX account # XXXX {$130.00}, XXXX 15 u.s.c 1681 section 602 A.states I have 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 written instructions
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Called this bank on XX/XX/2016 to confirm what my pay off amount was for my vehicle. They stated {$2700.00}. I asked if i could pay over the phone. They said no, you have to come in or mail a check. I mailed a check for {$2700.00} to include the extra day that it would take to arrive. I checked my loan information online, 5 days later and the balance is not only NOT paid in full but the balance shows now {$3700.00}. I need the title to my vehicle as well as a {$2900.00} refund from their insurance that I did not use. They are stealing my money.
Product: Checking or savings account

On XX/XX/year>, in the afternoon, I received a physical check from my employer, XXXX XXXX XXXX XXXX XXXX, and deposited it via the Citibank Mobile App. Shortly after, when trying to use my money, I realized not only was the check 's deposit ignored, but that both my Checkings and Savings Accounts were blocked, blocking accessibility from any money.

I spent all of that day and the following ( XXXX ) coordinating with Citibank 's Fraud team, my nearby branch location ( located at XXXX XXXX ), and my employers at XXXX  with no success ; the employers were denied the ability to verify the information of the check due to the negligence and lack of ability from the designated Fraud Team of Citibank, for over three times and hours of wasted time in efforts to allow my accounts to be accesible.

I can not use any of my money I trust Citibank with for at least until Monday, but even then it seems like it is unlikely that Citibank will actually fix this soon - I had a similar issue, where in trying to make new accounts after my identity was at risk, Citibank wasted a whole month lying to me that it was corrected, leaving me without access to money. I only just fixed it a week before this newer issue occured, and now I want this resolved as soon as possible.

This has left me incredibly mentally and emotionally damaged.
Product: Payday loan, title loan, personal loan, or advance loan

I completed a consult with XXXX  and in the process was coached into applying for a loan with this company - I do not think the second party company should be able to do that I also tried to cancel with the company and they refused I called the lender 12 hours later they told me no money had been released and they would close the account, told me they could not give me any confirmation by email as all communication has to be mailed I found out 2 days later they had paid laserway and that there was a lag in posting but nothing they could do about it I never received any official information from the lender about interest rates etc and am still in the dark waiting caught between 2 institutions
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid and the creditor XXXX agreed to delete from Credit Report. Because it was in collections it was sent to a collection agency/law firm. XXXX refuses to remove the debt from my credit report despite representing that once the debt was paid they would. 

Here is the information as it appears : Legally paid in full for less than the full balance Election of remedy - reported by subscriber
Product: Credit reporting or other personal consumer reports

Consumer personal information was stolen in a data breach of XXXX XXXX consumers personal information. Consumer is requesting that all items listed in Attached FTC Identity Theft Report to be deleted from consumers personal credit report file from XXXX credit bureaus XXXX, XXXX, Transunion pursuant to Fair Credit Reporting Act section 605b. Also 15 USC section 1681b permission must be given by the consumer to report my personal information on credit bureau.
Product: Debt collection

Over the years, Ive been a victim of identity theft and/or fraudulent activity with the use of Debit cards, medical, and more. I have been disputing this item on my report from ARS resolutions. The debt is {$1800.00}. I am not aware of this debt which was supposed to take place in XXXX of XXXX. It showed up on my credit report XX/XX/XXXX. Ive been disputing this item and XXXX have not removed it. It it not accurate. I also filed a complaint with a Florida police department via online just to show proof that I did take the proper steps to get this resolved. I am currently fixing my credit and this is not helping. Please remove immediately. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.
Product: Debt collection

RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection account. {$1200.00} past due as of XX/XX/XXXX. 

Account Number Provided : XXXX Original Creditor : XXXX XXXX  The account with XXXX XXXX  was set up fraudulently in XXXX or XXXX with identity theft at an address that I have never lived at : XXXX XXXX XXXX, XXXX, NY XXXX This situation happened once already with a different collections company and was cleared/deleted from my credit report. The collection company from the last issue was XXXX XXXX XXXX XXXX. 

I have spoken to XXXX XXXX many times about this and their fraud department assures me that the fraudulent account was closed immediately when the original identify theft took place and I do not have any dollar owed to XXXX XXXX at this time. Actually, I have never even had a legitimate personal account opened with XXXX XXXX 

Please assist me with getting this cleared from my credit report once and for all. 

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

My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX  customer service representative.
Product: Debt collection

I was sent a collections notice in reference to a medical debt from Receivable XXXX. Ive never received a bill. The bill has been resolved, but receivable XXXX is staying they will not remove it from my credit report. It is a hippa violation to sell my medical information to anyone. They are reporting the medical office it is from and that is my personal business where I receive medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fico has just dropped XXXX points over night without explanation. I have watched it daily and if it varies by a couple of points down, I will try and fix it to where it doesn't plummet more. It was in the 630s then up to XXXX then back down to XXXX really without explanation. Bc I have improved with what is on credit report. Disputed things that they flat out ignore. According to FCRA they have 30 days to investigate..max 45 days.. and I have been blown off. No paperwork or anything proving that the alleged accounts are actually mine.. They want you to keep buying products sold on Experian or or XXXX and I don't then my credit score drops XXXX points drastically. They add a new debt buyer and a collection account that is not mine. I have asked them to verify debit to send proof of account to me. And I just get " Verification to FCRA standards '' I need more than their word '' I was part of the Big class action lawsuit with one of them and received a check for breach of data and sold my Info.. I can't remember if was all 3 or just one..I am desperately trying to fix my credit and be a responsible consumer. And when I don't have a narcissistic ex or man to use these accounts and then pin them on me..I am actually very responsible. The dates on these accounts that are in collections and late.. and sold.. payments were made after I left ex and was lied to.. and he tricked me about not filing for divorce for at least a year due to my health. And when I was away..he filed for public notice. He recommended assets and I got these debts I knew nothing about. I know I should have known but most of this XXXX I didn't know that debts existed inmy name. And I never thought he would divorce me n 90 days via public notice. Stating I disappeared. I had no clue that public notice divorce was even legal. It's been very difficult getting my life back on track and trust me I would love to have taken his to court.. I had no money after all this to retain a lawyer to fight for my rights... It is still never ending. Dealing with this XXXX on credit report. Just so I hopefully can rebuild my credit to get housing and a car .... When I have gotten it up to XXXX.I 'm feeling better then it keeps dropping and today XXXX points without explanation.. I'm not dealing with this.. I've had enough.. please please help me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries on my credit report are incorrect and do not belong to me. please have them removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

RAM Payment , LLC, also doing business as XXXX ; Account XXXX XXXX, XXXX, formerly known as XXXX XXXX XXXX ; XXXX XXXX ; i was taking advantage from this company and need to now how to join the lawsuit