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

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Money transfer, virtual currency, or money service

Presented POA to the bank and was approved able to withdraw from the account and requested a wire transfer and was approved. Then the funds was held by the banks wire transfer dept. because my name is not on account which was not the case. At the branch, they were able to add my name on the account by POA but the wire transfer dept. cant see the approved paper so they were requesting an account verification by phone which didnt materialize because the account owner was unable to communicate. But since my name was already added on to account it should be enough.
Product: Debt collection

The other day, I got a collections record on my XXXX credit report for a debt I owe to CEDARS BUSINESS SERVICE for the XXXX XXXX XXXX XXXX. While I was a student there a long time ago I am no longer. I received a full ride for my education there, with the rest covered by student loans I already paid off. There should be no additional balances. 

I tried disputing it with XXXX, but the dispute got denied. However, I have received no additional documentation at all, by letter or otherwise. I am not interested in reaching out to them directly, as this would restart the statue of limitations ( even if it is for something I should not owe, nor is mine ). 

If they can not provide a WRITTEN SIGNATURE of me agreeing to pay whatever this balance would be for, I would request this be removed and these unfair debt collection practices cease at once.
Product: Money transfer, virtual currency, or money service

I experienced a phishing email scam that said my Coinbase account was disabled then had my Coinbase account stolen from. The funds stolen from were worth around {$3400.00} at that time. I fell for the email phishing on my mobile device and put in my account information for Coinbase and my XXXX mail account. I contacted Coinbase the next day to see if they can cancel the transaction or reimburse me, which they said no to. I am both embarrassed and frustrated that I fell for this and was so careless, but I expected Coinbase to be able to resolve it because they had the transaction numbers and the IP address of the attacker.
Product: Debt collection

In the months of XXXX, XXXX and XX/XX/2020, My family and I was affected by XXXX XXXX. I was XXXX and had to stop working due to XXXX that had impacted me doing those vary difficult months. I called Chase Auto to inform them I was impacted by the XXXX, and weren't able to pay my car payments at that time. I had been hospitalized for five weeks due to the XXXX. After I came home, I wasn't able to return back to work right away because my body needed time to fully heal. Chase Auto informed me that they would put those three late payments in the rear of the loan and I could start paying car payments as though nothing ever happened. I returned back to work and resume paying my car payments again. Chase Auto reported that I was XXXX days late to the credit reporting agencies and gave me a bad credit rating because I had fallen XXXX with XXXX   XXXX, and could not pay my car payments on time these three months. I was informed that when payments are deferred, you do not get any negative marks on the credit file because the payments are deferred and put in the fear of the loan. Chase Auto deferred the three late  payments and still gave me the negative marks as if the payments were not deferred. I would like for them to make the corrections so that my credit file will reflect on late payments for these three months.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
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, credit repair services, or other personal consumer reports

Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Student loan account that has been transfer to another account. I want this derogatory information removed from my credit report. 

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: Mortgage

Around XX/XX/XXXX there was a mix up in my checking account, resulting in an NSF for our mortgage payment to NewRez XXXX XXXX. Again in XXXX, as we were trying to sort out the checking account mix-up, there was a XXXX NSF. As a result of this, NewRez revoked our XXXX accessibility and told us that we would be able to set it up again after 6 months of on-time payments. We completed/fulfilled this. On XX/XX/XXXX I reached out to XXXX  to request the ability to setup XXXX  again online. They responded on XX/XX/XXXX that the XXXX XXXX had been removed and I could establish XXXX again online. After trying a few times in XXXX, I gave up and manually made the payment for XXXX. On XX/XX/XXXX, I again attempted to setup ACH, however, it still indicates there is a block. I sent another message that day. However, a few days later I received no response and still dont have the ability to set up XXXX. I again sent another message on XX/XX/XXXX, however, I have still not received a response from them regarding this issue. NewRez has made it extraordinary difficult to make payments online, pay fees associated with the NSF/late fees, in a way that I feel is predatory in nature. As it stands now, Im still not able to establish XXXX, even though I was told a month ago this was unblocked for me and I have not received any responses to my follow-up messages. 

I then filed a complaint with CFPB on XX/XX/XXXX regarding this situation. I received a response on XX/XX/XXXX, indicating that they have " Restored access to enrollment in automatic recurring payment plan. '' After making my XXXX payment on time, I logged in to the website today, XX/XX/XXXX to setup automatic draft payments. However, the website still gives me this message : " We are sorry, but we are unable to accept recurring payments from you at this time. '' This is extremely frustrating that the company on multiple occasions has said that they have restored automatic drafts but not in fact done so. I would like to see this escalated back to NewRez and have a supervisor that can handle this take a look at the issue.
Product: Debt collection

This is a bill from XXXX XXXX XXXX XXXX and internet service, I moved to the address listed in XXXX XXXX My price for cable, internet and XXXX channel was {$12000.00} monthly. The sales rep lied and said my service would be available in three days after I moved in. It took two weeks before my service was available. Then when the person who installed the cable did not have the order to put in my channels. When I called to let them know what was going on. XXXX XXXX XXXX  tried to charge me a higher amount for the XXXX channel. When I complained XXXX XXXX XXXX said we will give you XXXX free for a month for their mistake, This was a bait and switch. XXXX XXXX XXXX  quoted one price and tried to charge another. 

At the end of XX/XX/2019 my price changed, I called customer service and they changed it to the correct amount again, This went on for three months, I paid my final bill canceled my service. This bill was paid in full and if this on any credit report I want it removed. My last bill was paid over a year ago.
Product: Credit card or prepaid card

I fell upon financial hardships in XX/XX/XXXX and XXXX XXXX inbetween jobs capitol one was the last thing i was thinking about and without any warning or contact they reported a late payment refusing to work with me to get the account settled. Once the pandemic hit I was laid off once more and unable to receive any unemployment benefits. During this period Capitol One repeatedly dinged my credit score on the days of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly on XX/XX/XXXX all during the year of XXXX. The amount of impact this has had on me financially is enormous. The decrease in my credit score due to capitol one is solely hindering my abilities my secure vehicle financing and even to be able to find housing. The damage that has been caused is completely outrageous when you consider the struggle they are causing me over an account of {$300.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ( financial institution ), XXXX, XXXX, XXXX ( consumer reporting agencies ), individually and in XXXX have created, by way of unlawful actions, injury to me ( XXXX XXXX ). the aforementioned companies have, contrary to FCRA, continue to share personal non-public information without my consent, a blatant disregard to their responsibilities. I have the right to make sure my private information is not shared by reporting agencies. XXXX, XXXX, and XXXX are reporting agencies. XXXX XXXX XXXX XXXX is a financial institution. all having obligations " to protect the security of my nonpublic personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX, XXXX and all have not received my consent to share my information in any form. I hereby, expressly revoke any and all consent, implied or otherwise. XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. this account continues to be reported as an adverse item without my permission, which is against the law. XXXX, XXXX, and XXXX are not maintaining reasonable procedures to avoid violations of FCRA. as such, I exercise my right to opt out of your reporting services.
Product: Credit card or prepaid card

Order not received from merchant XXXX during the first week in XXXX. Contacted XXXX and they were only willing to refund back {$35.00} for 3 packages that were lost. Refused to issue a refund for order amount {$780.00} & {$770.00}. I was told that I would have to take this up with my credit card company which is Capital One. Contacted Capital One & explained to agent that this merchandise was not received by me and they initially filed this as a fraud claim instead of a dispute and I had to wait a whole month for them to close out the fraud claim. I then was contacted that this was a dispute that needed additional paperwork. It was not explained to me at that time that I would have to submit the same paperwork twice although this is the same charge on the same day. It was not explained to me that I would receive two claim numbers from Capital One and that I would have to respond to each one separately with the paperwork that I had showing contact from the merchant and the delivery company. They reversed the charge for {$780.00} and then sent additional documents for the charge of {$770.00}. The documents would not open that were sent in my email and when I contacted them they stated that I could access them through the app. This was on XX/XX/XXXX at which time I learned that they had reapplied the charge and interest for the {$770.00}. 21. I explained that I thought that this was taken care of and that I wish to reopen the dispute. The agent told me that she would do so and send me a link to upload the documents. I received another letter after I resubmitted the same documents stating that the timeframe had expired and that I will have to contact the merchant. I am now having to pay for merchandise that I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XX/XX/2017  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX both report an " XXXX XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " Experian '' AND the " XXXX '' report! 

This score appears to be COMPLETELY DIFFERENT from XXXX XXXX " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX and requested why the credit was pulled twice in two day for the same card. They told me that they cant help me and to call the reporting company Equifax. I called them and they said that I needed to clear that up with XXXX XXXX. 

I 've been getting the run around and both are unwilling to correct this hard hit on my credit card for a single inquiries they have reported two inquiries in error and will not correct it. 

XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX Hard inquiries in error Thank you for you help in this matter
Product: Money transfer, virtual currency, or money service

On XXXX I made a purchase using a credit card but no other personally identifiable information was provided. The next day I received an email coupon sent on behalf of the merchant by Square ( a business unit within Block , Inc. ). 

I have requested information on the information held by the company on me ( in line with their privacy collection practices ). A similar incident occured ( with a different merchant ) on/about XX/XX/XXXX, XXXXXXXX XXXX XXXX. 

In total, I have emailed the company 's privacy team three times and sent a letter to the chief legal officer.
Product: Debt collection

On XX/XX/2022 I sent a letter requesting validation and proof that I owe the debt certified letter with return receipt and to remove the negative items from my credit reports. I received no written reply and these two items have continued to show my all three of my credit reports causing me harm. I have also continued to receive phone calls from Portfolio Recovery from their various offices across the Country even though I ask them to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and XXXXXXXX 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: Debt collection

LVNV FUNDING LLC is reporting a FRAUDGLENT colletion account on my credit reports! Ive reached out to them and requested proof this account is mine and sent in supportting documents proving this account there reporting is indeed fraud. As to date i have not gotten any response. They have not sent me anything via mail,phone calls or even tryed collecting this debt untill recently. They just recently reported it to my credit reports! Ive called and tryed speaking to someone who was less then helpfull. Ive sent supportting docments to the address provided by one of there agents i spoke to. The address given was XXXX XXXX XXXX XXXX SC XXXX. I have overwhelimg documents to prove 100% this is a fraud account!  The following is what is showing on my credit reports

LVNV FUNDING LLC
Original creditor: XXXX
Account number XXXX
Collection opened XX/XX/2019
Account type Factoring Company
Balance Loan Amount
$XXXX $XXXX

Payment Info

Original loan amount $XXXX  

Balance $XXXX
Updated on XX/XX/2019
Contact
XXXX XXXX XXXX
XXXX, SCXXXX
(XXXX) XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed on the Equifax data breech. I recently noticed fraudulent inquiries. Please remove these from my report. 

Name : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> Name : XXXX XXXX Date of inquiry XX/XX/year> Creditor Name : XXXX XXXX Inquiry date : XX/XX/year> Creditor Name : XXXX XXXX XXXX Inquiry date : XX/XX/year> Creditor : XXXX XXXX Inquiry date : XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint on dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Formal Dispute Regarding Inaccurate Hard Inquiry Under FCRA Dear Experian, I am writing to formally dispute an inaccurate hard inquiry that appeared on my credit report on XX/XX/year>. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information on my credit report is accurate and authorized. Upon reviewing my credit report, I have identified the following unauthorized or erroneous inquiry : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/year> This inquiry was neither authorized by me nor related to any legitimate credit transaction or application initiated by me. Under FCRA 604 ( 15 U.S.C. 1681b ), a hard inquiry is permissible only if I provide explicit authorization or in connection with a credit transaction for which I initiated the process. As no such authorization or transaction occurred, this inquiry is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires that show up on my report that are incorrect and unauthorized, please remove all inquires ( XXXX ) see below. 

XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX
Product: Credit reporting

I settled with XXXX bank and XXXX XXXX XXXX and they are still reporting my full original balance due on credit report.