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

I am writing to you as a concerned consumer and citizen regarding numerous fraudulent accounts and inquiries that have been reported on my credit report. Despite my repeated efforts to resolve this matter, the credit bureaus have failed to take the necessary actions to correct these inaccuracies. This is my third attempt to address this issue, and I am now seeking your intervention to rectify this matter urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer of {$10000.00} USD from my bank, XXXX XXXX XXXX XXXX, to CoinBase Inc. I confirmed with their bank that they have in fact received my funds. However, it is has been 2 days and I still do not have the funds in my account. I have tried emailing them 3 times and they do not respond. I continue to only get bot responses that are irrelevant to my issue. I am concerned I will never see the money. A business that manages money transfers and trades should never treat their customers like this.
Product: Student loan

A full payment that was due on the account on XX/XX/2023 was scheduled to be paid for XX/XX/2023. On XX/XX/2023, the online portal that PHEAA releases to those for managing their account falsely advertised that my account was delinquent despite the payment being made online ON THE DUE DATE and FOR THE DUE DATE. 

This is an ongoing pattern and happens every time payments are made. PHEAA ignores and disregards the issue and tries to intimidate me for making CFPB complaints about it in the interim. If I call in or submit Customer Service Inquiries about the issue, I am met with responses that deflect the issue and Agents will respond with statements that they have no control over the issue. 

I have had to complain about this so many times. Unfortunately, unless and until it is corrected, complaints will be submitted. PHEAA needs to stop blaming the borrower and defending their dodgy behavior for the terrible decisions and policies that were made by idiots running that organization.
Product: Debt collection

I am requesting debt validation, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with AVANTE USA, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. Delete immediately
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XXXXXXXX XXXX XXXX ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( XXXX, XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

From the beginning of the signing, which was done at XXXX XXXX XXXX in XXXX XXXX, XXXX, Although the XXXX  XXXX was friendly, I was rushed to review and i was highly suggested to get GAP insurance as well. So during electronic signing, I understand this is not the fault of the lender but I wanted to read the loan and he highly suggested to review it after the signing. I may put a complaint on the dealership as well, since I was reading the questions and options it was actually multiple things, I feel is involved in the process. After reviewing the contract I found the interest rate to be incredibly high. I already knew that a down payment was not mandatory but they would " not let me move forward without it ''. After looking into the contract I did further research and realized quickly regarding XXXX, and XXXX XXXX XXXX. The lender is bound to all XXXX and XXXX XXXX, as well as things like XXXX  XXXX XXXX - XXXX XXXX. During all of this, I still sent my first initial payment from the original security coupon, I remitted that and sent the payment promptly I sent copies of all these to their indentured Trustee as well. Let me add the transmission blew completely only 31 days into the contract and they didn't want to give me any grace on the payment time I as without the vehicle. They paid for the transmission after testing to prove the transmission was an issue prior to purchase. I sent all supporting documents straight from the XXXX, XXXX, Government archives and Publications. I requested after they did not give me clear and concise information in that contract that I was able to rescind the contract for up to XXXX years. The interest rate is outrageous and to my understanding the overall charges/rates are well over {$100.00} overstated. I sent the appropriate notification, I allowed the necessary XXXX  days to pass. During this time I still signed and sent stamped remittance coupons to them. After sending the XXXX  payment, I called and it was confirmed the payment was received and would post by XXXX that day. After a few days I received an email that said my payment was late and I needed to make a payment right away. I called XXXX XXXX and asked for the confirmation of the payment as well as the recording of the phone call I had XX/XX/XXXX around XXXX a.m. I was referred to the XXXX XXXX  where a woman confirmed the prior phone call. I asked her where my payment was she said, " they don't accept remittance payments '' but they also never sent any of them back to me. I have been sending payment every month since XXXX, they keep accepting them but not balancing out the ledger. I have asked them where are my coupons are and they seem to have " no idea ''. I have already notified them via certified letters, return receipt they are past the expected mail response time. Regardless of them refusing tendered payments, they still allowed fraud littered in this contract and as the victim and presumed XXXX in this contract, I am seeking remedy.
Product: Credit card or prepaid card

Hi, I went for a car repair with XXXX XXXX XXXX.I got a code XXXX is a knock sensor code.When I left after I was driving my car at the first time over 30 miles the computer threw the same code again.I went back and tried to solve the problem with the merchant but they refused to do the job.I dispute the charge under I am not satisfied with the workmanship.The credit card company asked for proof of fixing my car but I could not show that because I already spent way too much money with the merchant.I am planning to fix my truck but I could not find anyone to work on my vehicle yet.Before I went to a different mechanic and after that XXXX started to work on the car they could not solve the issue either.I paid for a repair close 2000 $ /the first shop and XXXX  all together/.The credit card company closed my complain because they claimed that they did not get my paperwork on time.They closed the option to upload anything on the last day.I faxed the paperwork to them on the last day which was XX/XX/XXXX but they did not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years the various credit reporting agencies, not the creditor, have listed valid credit history belonging to my brother incorrectly under my credit file/report. For years, I have disputed their incorrect reporting, which would then be corrected. 

Currently, however, Equifax has no information for me at all. They do not have my S.S. number, name, address or ANY credit history listed for me, even though both XXXX and XXXX have correct credit information listed under my name/SS number/address, etc., according to Equifax I do not exist and have no credit history with them.

If a creditor/merchant can not erase my credit history, only report credit information, then it appears Equifax is the responsible agent for causing me financial harm as I was currently turned down for a loan and not able to buy internet services as both merchants rely only on Equifax to the exclusion of the other two credit reporting agencies.

In this day and age of credit fraud, and with my understanding that Equifax has faced/is facing government scrutiny due to fraudulent activities, I am very Leary of sending personal data to a reporting agency that continues to make mistakes on their end.

Therefore, I am wondering if I can get help from the CFPB in this matter.
Product: Money transfer, virtual currency, or money service

There is a closed case Transaction ID XXXX which was reported incorrectly. I have sent several emails to PayPal 's executive and fraud departments. I mistakenly entered a complaint, and it was done under ( good and services ). PayPal doesn't offer many options to send complaints or disputes. The money sent to the recipient is frozen, on hold and the recipient is unable to receive the funds, return them to me or do whatever needs to be done. I don't know if perhaps I will need to file a complaint with the court about this matter and request a judge order this money sent back to me ( the sender or order it released. The case is closed so they should not be holding onto my ( the customer 's money ). I am a bit suspicious of this since they closed the case. I would like for you to inquire and investigate the matter prior to me taking further perhaps legal action to get the funds back released to either me or the recipient ( the intended parties ). The tranaction was done for/as family and friends and not good and services
Product: Mortgage

I have been working with SPS on a Deed in Lieu of foreclosure since XX/XX/2015. I signed the intent to vacate agreement on XX/XX/XXXX and vacated the premises on XX/XX/XXXX. As of today, I have not received the Relocation Incentive as promised and noted in the agreement. I continue to get erroneous status updates. The latest is that the check has been issued and is awaiting Manager 's approval. This was the update on XX/XX/XXXX ... .when I called today, they informed me it was manager approved on XX/XX/XXXX but they are unable to tell me when the check will be sent. I am without a place to stay because I have been waiting on the incentive to put down on a new place. I simply need the check to move on with my life. I feel like I am being taken advantage of by the bank since I surrendered and vacated the property on XX/XX/XXXX. I call almost everyday and I get conflicting responses.
Product: Credit reporting, credit repair services, 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 items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and XXXX and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.
Product: Credit reporting or other personal consumer reports

There was a hard credit inquiry from XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX on my credit report on XX/XX/year>. I dont know who this is and did not authorize them to pull my credit. There are many many reviews when looking up this company that point to them doing this to countless others. There is a real level of fraud originating from this place.
Product: Credit reporting or other personal consumer reports

Discover XXXX is my inquiry ( 2 ) times. Not Authorize.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I identified a fraudulent credit inquiry on my Transunion report. A fraudulent hard credit inquiry occurred on XX/XX/2019. The inquiry shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2019 I did not make this inquiry. Transunion will not investigate and says it was a legit inquiry with valid information and they want a letter from Ace. Ace tells me they have no records of me in their systems - leaving me as the consumer stuck in the middle with no recourse or action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to XXXX5 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a complaint with TransUnion, XXXX, and XXXX about the following accounts : Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : Child Support Enforcement Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These companies violated my federal rights. 15 U.S.C. 1681 Section 602 ( A ) states : I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) states : Consumer Reporting Agency can not furnish an account without my written instruction. XXXX XXXX has been deleted from my XXXX Credit Report, TransUnion Credit Report, and XXXX Credit Report. XXXX XXXX has been removed from my XXXX Credit Report but not from my TransUnion or XXXX XXXX XXXX. I do not understand how it can be removed from one Credit Bureau but not the other two. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX chose to ignore my request for deletion and simply updated my accounts. By updating my accounts, they violated the same Federal Rights that I informed them that they previously violated. I have spoken with legal counsel, and he informed me that i have every right to move forward with legal action resulting in financial compensation for not only violating my Federal Rights once but ignoring my request of deletion and updating the account and once again reporting it to the credit bureaus without my written instruction. i am 100 % certain i have not given my written instruction to anyone/company. I have decided to file one more complaint before taking legal action and i am again requesting that those accounts be deleted from my credit report immediately. Once the accounts are deleted, I'm requesting a copy of my updated credit report sent certified mail so there is an independent witness to it being delivered. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT # XXXX XXXX XXXX XXXX CARD IS PAID OFF
Product: Credit card or prepaid card

I joined CostcoXX/XX/XXXX 38 years ago. I have retired and have no further interest in Costco membership where I purchased business supplies. I cancelled membership XX/XX/XXXX and received confirmation. They us Cit Bank Visa. I received E mail that my Visa card ( Costco ) had a balance of {$60.00} which annual dues. I have never authrorized Citi Bank to put my dues on thei credit card. I can prove and have cancelled check where I paid Costco dues with my Company check and have always paid by check yer Cit Bank is doing automatic deduction of my dues ( never gave them permission ) to put dues on credit card now they want too charge me a late fee for due in Costco that I cancelled membership in. I have called Costco and Citi bank and they are no helping us. 
I am due a refund for paying double dues in XXXX and no balance or late charge in XXXX. 
It will take you to get this straight I tried and could not make either understand. 

I need check form them Company account closed XXXX Credit card cancelled. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting information that has been removed by other credit bureaus. I proved that public record was incorrect and has been removed from XXXX ( removed both records ) and TransUnion removed 1 record but I'm still working to remove the other. XXXX  is also reporting XXXX XXXX  when XXXX XXXX said the record would be removed within 30 days from all 3 credit reports. XXXX XXXX  is also still reporting when it has also been removed from other credit reports. I provided documentation with the last complaint.