23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # 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 reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The 2nd repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX
Product: Mortgage

I lost my job in XXXX of XXXX due to COVID. Getting a suitable replacement employment took longer than we thought and ate up our reserves, so on XX/XX/XXXX we sent in a formal forbearance application to our loan servicer SPS. 

We supplied ALL requested documentation that SPS initially asked for. We immediately supply them with any info that has since been requested of us. Apparently, the initial information 'expires ' during the extremely long process that they take to review our application. As such, the application goes back to being in a status that is 'lacking information '. This is a never-ending loop that we can not get out of because SPS takes too long to process our information and pay stubs, banks statements and the like all expire in their system triggering our application back to that status. 

We believed our loan with SPS already to be in forbearance so were willing to put up with their constant requests for information. We were shocked when we received notice today that our loan is showing as delinquent with the credit services. 

All of the other companies that we have asked for forbearance from gave it to us with minimal effort, so we believed our loan to be in forbearance.
Product: Credit card or prepaid card

Dear Madam/Sir : A check of credit balance for {$66.00} was issued to me on XX/XX/2018 by the Citibank, perhaps because of the part of the policy not to hold consumers ' credit balance for more than 2 months ( and not at my request, I never made such request either verbally or in writing ). Even before issuing this check Citibank put a charge ( debit ) on my account for {$66.00} on XX/XX/2018 and then issued the check on XX/XX/2018. ( plase see the XX/XX/2018 statement sent to you ).  The Citibank says that a debit of {$66.00} was put to my account to remove the credit balance, which is quite illusive and misleading. If the credit check was issued to me be by mistake for which I was not entitled then only a charge could have been pushed in to counter it, else the charge should not have been pushed in. This action has reduced my credit balance for the month of XX/XX/2018, by {$66.00} or voided the check already issued to me.. 

So far closing my account wih the Citibank is concerned, I did not just close my account because of this, but due to many other reasons including unjustly denial of my conditional credit by Citibank, saying that it gave me condional credit even befor I initiated the dispute orr even before I purchsed the item in dispute. 

Even after closing my account with Citibank, Citibank called my home on XX/XX/2018 at XXXX XXXX from the phone # XXXX, registered with CITI ( Call log attached ). This is unethical on part of the Citibank. This contitutes a harrassment to vulnerable adults in the state of Minnesota also violates federal rules and Citibank 's own policy. 

Regards,
Product: Payday loan, title loan, or personal loan

Im in North Carolina and I was desperate when I took out the loan I didnt realize my interest rate was 160 % I think this is predatory please assist as I can no longer afford the payments
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. Experian is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against Experian with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on XXXX  for the same thing, I also filed a complaint with the IL Attorney Generals office against XXXX  for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and Experian, XXXX  and XXXX  are complacent in this fraud.
Product: Checking or savings account

On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX. On the same day, I returned the device in full compliance with XXXX  return policy. Despite the return being processed by XXXX, I have not received the corresponding refund to my bank card, which was used for the original purchase.

I filed a dispute with wellsfargo to resolve the issue and provided all necessary documentation to support my claim However, my dispute was recently closed without a proper investigation which includes a 90 day period, and I believe it was based on prejudice rather than a fair review of the facts. I am deeply concerned that my claim was closed prematurely and without sufficient investigation or consideration of the evidence I submitted. The decision to reject my dispute seems unjust, and I have not received a clear explanation for why my refund has not been processed or why my claim was dismissed. As I followed the proper procedure, I find it troubling that my case was handled in this manner.
Product: Mortgage

Hardship Letter 1 of 2 Im writing this letter in response to the encounters Ive received in maintaining my home, I've been in my home XXXX  years, but with Select Portfolio Servicing for over XXXX of those years. Ive always let it be known that my intentions are to keep my home. Ive been going through a financial hardship since XXXX, I had XXXX and I work with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that oftentimes pass unexpectedly from XXXX. After being out of work for XXXX years. Ive been trying to get back on my feet. I work as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this season of XXXX, oftentimes my clients do not make it, leaving me in a position of not having clients to care for. 
Fortunately, I have since added another XXXX agency to my current work load to help me further meet my financial obligations. I paid {$5000.00} in XX/XX/XXXX, letting it be known that my intentions are to keep my home. I started working the second XXXX job, I came up with more money. On XX/XX/XXXX, I went into the SPS portal to make my payments and could not do so. I called SPS Customer Service they said I had been referred over to legal. I was told to put in for a Request for Mortgage Assistance Application and they would get back with me. 
In the meantime I received a letter from SPS Attorney XXXX XXXX XXXXXXXX XXXX  : Reference # asking me to confirm my debt in the amount of XXXX XXXXmy principal amount is {$260000.00} a difference of {$19000.00}. The Letter also states they want this entire amount. I do not have an entire amount of {$280000.00}. This amount is also inflated by almost {$20000.00}. 
I also received a call from XXXX XXXX XXXX policy # they received a letter from SPS on XX/XX/XXXX stating they have initiated a foreclosure. 

I have gotten back on track I can pay for the months that I am behind and not lose my home. My payments are XXXX, I would need to pay XXXX, to bring my account current and reinstate my loan. I have kindly requested that SPS accept my previous arrears, so that I may continue to own my home as I have done for the last XXXX years. I am trying to work and pay the mortgage off so Im not faced with a foreclosure. 

As such, I dont understand why SPS is so eager to take my home, contacting foreclosure attorneys and my home owners insurance company creating undo stress for someone trying to save their home. I now need your help getting my loan modified, AND The Loan Servicer not to inflate my loan by {$20000.00} so I will not lose my home. 


I have attached the Insurance and Attorney Letters for your review. 










Thank you!
Product: Money transfer, virtual currency, or money service

Coinbase took XXXX Ether from me claiming that I had a balance owed for another transaction. When I looked into my transactions both from my bank as well as on their website, I did not see any additional transactions that weren't accounted for. I only saw my Ether they had taken. My cryptocurrency matched what I paid for it. 

I corresponded with them on 3 occasions asking for them to provide me proof that I owed the funds, offering to pay the balance if they could prove I owed it and they never provided it. In fact they never even offered a meaningful explanation as to why they took the funds. They subsequently closed my account limiting my ability to view the account. Since they closed my account, I can't show screenshots of the transaction history. 

I looked into this on Crypto forums and it appears that they are commonly duplicating charges and not refunding the transactions. This occurred in the XX/XX/XXXX timeframe and they closed my account in XX/XX/XXXX. 

Linked is a XXXX article from XX/XX/XXXX where it appears this happened to many people. 
XXXX XXXX XXXXXXXX
Product: Student loan

I am writing to formally request the forgiveness of my student loans due to a severe violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). It has come to my attention that XXXX XXXX and DOGE ( XXXX-related entities ) have gained unauthorized access to my personal student loan information, including my Social Security number, financial records, and loan details, without my knowledge or consent. This breach of privacy not only constitutes a direct violation of federal law but has also exposed me to potential financial and personal harm.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXXXXXX XXXX XXXX  Account XXXX XXXX  Date open : XX/XX/XXXX Balance : {$680.00} - Collection EQUIFAX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX Balance : {$1400.00} Late/Open XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$300000.00} -Late/Open
Product: Credit reporting or other personal consumer reports

I had a solar panel loan with XXXX XXXX XXXX XXXX i defaulted on when my house went into foreclosure for aprox {$37000.00}. At some point they either sold it or have a company called XXXX XXXX XXXX is also reporting it but at a {$40000.00} balance with XXXX listed as original lender. This is double reporting from understanding it should be one or the other only reporting. Makes it look like i owe double what i do. This is on my XXXX  credit report. its also prob on my experian and XXXX too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I contacted Betterment Financial LLC Support to file a dispute with the XXXX XXXX XXXX XXXX XXXX XXXX that Betterment uses for their checking account product. As outlined in the attached document, there were four ( 4 ) unauthorized charges totaling {$590.00} against my checking account via the unauthorized use of my Betterment debit card on XX/XX/2023 and XX/XX/2023 at an unknown XXXX store. My debit card was in my possession and had not been lost or stolen. It's unknown how the unauthorized party obtained the debit card information to include my address. On XX/XX/2023, I received the attached letter from Betterment informing me that the debit card used was complete with the " CVV2 '' code and my address. Betterment concluded that these charges were '' ... authorized transaction ( s ) and benefit was received. '' based on the completeness of the debit card information used for these purchases. The letter further stated that the investigation was closed based on the report from the nbkc bank and no reimbursement of {$590.00} would be forthcoming. I did request copies of the documents that were relied upon to render their decision as offered in the Betterment letter. Upon receipt of a heavily redacted documented ( attached ) there were no details on the document that could assist me in disputing the unauthorized charges with the exception that although the address matched the debit card used, the ZIP code " ... does not match. '' This error was not challenged or discussed by Betterment other than to ask me to confirm the correct ZIP code. After several emails back & forth with Betterment it was apparent that their decision was final. I stated I would be closing my checking account because I couldn't trust the bank decisions on any future disputes. Betterment offered to assist in closing my checking account. I declined their offer and will close after I can redirect any further deposits into the account.
Product: Credit reporting or other personal consumer reports

I have constantly reviewed my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I request a thorough investigation into these issues and verify any following statements or documents showing me being late. If these are not provided Im asking to removed or update any late payments that is showing up.
Product: Debt collection

In Late XXXX, I started learning about credit which made me check my personal credit. When I checked, I seen a fraudulent account from XXXX that was then sent to Credit Collection Services, which is a collection agency. I let them know they were in violation many times. Their company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- {$610.00}.

Civil liability for willful noncompliance [ 15 U.S.C.1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted all the required documents to have this account removed, and I am pleading with you to take action as soon as possible. This account is causing me XXXX and affecting my ability to sleep.
Product: Debt collection

Signed up for XXXX XXXX XXXX XX/XX/XXXX. Tech hooked up service at like but did not receive modem to use service. After several attempts to obtain modem, I got frustrated and cancelled service. when I cancelled XX/XX/XXXX, local office said they can cancel but can not take care of Bill that was {$66.00} roughly. I contacted customer service line shortly after and spoke to billing dept. They stated it would be taken care of. I moved out of residence shortly after and thought it was taken care of. I received an email early XXXX about disputing. I did dispute and don't remember receiving a reply about it after. I checked credit report XX/XX/XXXX and saw derogatory statement. I contacted XXXX and they said it had been sent to XXXX XXXX XXXX collections. I called and they said my dispute was denied earlier in the year. I asked if I was ever contacted about Bill not being resolvex. They stated they sent mail that was returned multiple times. They stated they called XX/XX/XXXX at XXXX. As I am a XXXX, I do not carry phone while working. They said they couldn't leave voicemail. They also said they called only once because that's all they are required. I asked while I was never notified of Bill via email. They had no answer. I also asked why I was never notified of dispute being denied. They had no relevant answer. 

I wouldn't mind paying the {$66.00} Bill if I ever had access to the services. Because I could not obtain a modem, I was never able to use the internet service. Not one single time. I refuse to pay for a service that I could not use. 

Their initial hookup stated the technician should hook up devices outside and inside of the house. They did not provide services stated in frontier website. I will continue to fight this.