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

I received an alert on XX/XX/XXXX about my credit. I open my credit a saw there had been a hard inquiry done by Barclays Bank of Delaware between XX/XX/XXXX and XX/XX/XXXX. My credit score dropped XXXX point because of this. I called them immediately that evening - I told them I have an inquiry on my credit from them that I know nothing about or authorized. He asked for my social security number and stated he did not have any credit applications or accounts for me ; then he asked for my date of birth and he said they did not have anything in their system. He told me to all the Credit Bureaus. I placed a fraud alert and a credit freeze on my credit XX/XX/XXXX, the same evening. On XX/XX/XXXX, the next morning, I called Barclays Bank of Delaware again, and was told the same thing - she has no record of my social security number or date of birth. On XX/XX/XXXX my credit score dropped XXXX more points. I have never applied, inquired, or had dealings with Barclays Bank of Delaware. Please correct my credit, thank you.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I looked at my credit report this afternoon and saw accounts listed that I dont recognize at all. Im meticulous about checking my report regularly, so this came as a complete surprise. I even tried refreshing the page in case it was a glitch, but unfortunately, the incorrect entries didnt disappear. Because of this issue, Im requesting that my documents be carefully examined to prevent any more unpleasant surprises.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/year> XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Vehicle loan or lease

On multiple occasions, I have contacted FiFtH Third Bank and explained to them on the loan 's maturity date and that I have never missed a payment on the XXXX XXXX. I was told that they inherited the loan from the original loan agency that I purchased the vehicle from. Fifth Third Bank told me that forced placed insurance was added to the original loan and so that is why the loan was not paid off. I explained to them that I have always had my own insurance on the vehicle. They asked for proof from my insurance company and gave me an email to send the documentation. I emailed the statement from my insurance company that proved that I had insurance on the vehicle thus no forced placement was needed and the cost, fees, and any interest acrued should be removed from the loan. I have gone round and round talking to several different representatives yet there is no-follow up on their part and every time I explain this it appears I am explaining it for the first time and they tell me to send the documentation of which has already been done. I asked for a statement of all of my payments since the inception of the original loan and Fifth Third said they would send it three times yet I have not received this statement/documentation. One representative said, they would contact the original lien holder and get the statements from the start of the loan because First Third only had information starting in the fall of 2018 when they took over the loan. I am refusing to pay anything else as I have paid for the vehicle in full and have NEVER missed a payment. Again, I already had insurance through my personal vehicle insurance provider and proof was sent. Please help!!! Fifth Third Bank is running a SCAM and they keep giving me the run-around and refuse to provide me my title for the paid vehicle. I HAD NO KNOWLEDGE THAT FORCED PLACED INSURANCE WAS PLACED ON THE VEHICLE. THERE WAS NO LEGITIMATE REASON FOR THEM TO PLACE IT ON THE VEHICLE.
Product: Money transfer, virtual currency, or money service

I PAID IN 2016 OVER {$20000.00} TO 2 COMPANIES XXXX XXXX AND XXXX XXXX. THESE 2 COMPANIES SCAMMED ME AND THE PAYMENTS WERE DONE BY XXXX. I TRIED TO CONTACT THEM AND THE PHONE NUMBERS ARE NOT IN SERVICE. THERE WAS ANOTHER COMPANY CALLED BANCO AND THEY WERE A PART OF THE SCAM ALSO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I contacted XXXX and I was out of work. I logged in to make the my XXXX payment on XXXX XXXX but it was drafted XXXX XXXX XXXX reported a 30 day XXXX on my credit report. Ive called XXXX over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..
Product: Credit reporting or other personal consumer reports

CFPB, EQUIFAX HAS 30 DAYS TO COMPLETE A DISPUTE REQUEST. WHICH THE FAIL TO DO. XXXX IS 46 DAYS TOTAL
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$75.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$14000.00}
Product: Debt collection

I am writing to file a formal complaint against CREDIT COLLECTION SERVICES regarding their blatant refusal to provide proof and validation information regarding a debt they claim I owe. Despite multiple requests made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), CREDIT COLLECTION SERVICES has continuously failed to furnish the necessary documentation to validate the legitimacy of the debt. 

This refusal to comply with federal regulations has caused me undue stress and uncertainty regarding my financial obligations. Without proper validation, I am unable to verify the accuracy of the debt or assess my options for resolution. Furthermore, CREDIT COLLECTION SERVICES 's non-compliance with the FDCPA reflects a pattern of unethical behavior that undermines consumer rights and protections. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against CREDIT COLLECTION SERVICES for their failure to adhere to federal debt collection laws. I also request assistance in obtaining the necessary validation information to resolve this issue expediently and fairly.
Product: Credit card or prepaid card

Bank of America sent me a card with a {$20000.00} limit. It appears it was issued by Merrill Lynch wealth management ( where I have an IRA ). I never applied for the credit card, I called Bank of America on XX/XX/2021 and was told an application was submitted for the card on XX/XX/2021. I certainly did not apply for this. I ask for the information related to the card opening and attempted to dispute the card. I was put on hold and no one got back on the phone after 45 minutes.
Product: Student loan

I have been consistently making payments to Navient on my student loans. Navient doesnt allow flexible payment options. Theyre either ~ {$200.00} or $ 700+. I can not afford the higher tier option. As Ive been paying on the lower tier option less than 5 % of my payments have been allocated to principle. 95 % of payments have been going towards interest. For context, I took out a student loan in 2013 for {$20000.00}. Although I have been making consistent payments on the loan my balance is currently {$23000.00}.
Product: Credit card or prepaid card

I had a navyfederal credit card and I been with them over 4 years! And I all ways paid off my account on time every month and Navy federal refused to update my account with correct information, my credit score are been effective due to Navy Federal filed to do they Job.. I also applied for credit increase over 4 times and they keep denied me I feel like they are discrimination against me ever time.. and something need to be done about this.. there are people I know have a relationship with Navy Federal for a long time and don't have the problem I have.. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$440.00}
Product: Credit reporting

XXXX XXXX has frozen all of my accounts and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX, however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XXXX since I received a raise in XXXX, which means reported income in XXXX will be higher than the income stated on my XXXX tax return?
Product: Mortgage

On XX/XX/2021, I sent MR. COOPER, via certified mail, in good faith an endorsed coupon that was attached to my remittance statement for accord and satisfaction of the obligation due. I included instructions in accordance with UCC 3-603 and UCC 3-311 . MR. COOPER received the certified mail on XX/XX/2021. I have yet to receive the original instrument back in the case of dishonor, as I am the holder in due course, or have the payment applied to my account. This now puts the account in a billing error. I am requesting documentary evidence of the journal, books, and ledger associated with my account as per my right pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I also want it be known that until the account is credited properly, or my original instrument is returned with documentary evidence of journals, books, and ledgers associated with the account, MR. COOPER can not collect, take any adverse action, restrict services, or make any reports related to said debt pursuant to 12 CFR 1026.13 ( d ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Prior CFPB complaint related to this complaint here today is ( XXXX ) I have previously sent out a complaint through the XXXX XXXX to rectify my information on my credit report not reporting a 100 % accurately. And my rights being violated, i also made a complaint statement regarding the tax fraud That Equifax, XXXX and XXXX XXXX your company is illegally reporting a charge off on my credit report still You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. Ontop of the Tax Fraud you have committed. My complaint today is to address the willful neglect and lack of response to my previous complaint with the CFPB i have give me 30 days which is the more the reasonable time. For you to fix the situation i have not received the response back or letter regarding these matters. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, These account are still On my credit report.. Remove them at once. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Debt collection

An XXXX credit card account was sent to an collection agency. I have officially disputed the accuracy of the account info in XX/XX/2019. I have yet to receive a response from Midland Credit. I am trying to resolve the account but they have not verified or updated the account info based on the legal time frames that have been established. I have made several follow-up call to Midland Credit but there is still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XX/XX/XXXX. This is my 3rd attempt trying get XXXX and Transunion to update my consumer report and make sure it reflects the same information as XXXX. I paid my debt for less than the full amount and XXXX is reporting the information accurately but the other 2 credit reporting agencies are not. Credit limit {$8700.00}
Product: Credit reporting or other personal consumer reports

I am financed with XXXX XXXX XXXX and my report score has gone down XXXX points because bureaus are reporting my vehicle balance increased around XXXX and payment was made as agreed which should be reported as a decreased balance. Also reporting for XXXX is not showing on XXXX, and Equifax. Please update report with accurate current information and adjust scores.
Product: Student loan

I applied to be moved from the SAVE plan to the PAYE plan on XX/XX/XXXX. The department of education said these types of requests could start beginning on XX/XX/XXXX, but mine still has not been processed. Further, they are supposed to automatically put borrowers into a 60 day processing forbearance when they are changing plans, which Ive requested over the phone and in writing, but which still has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a student thats currently reporting on my credit report with Dept of EducationXXXX XXXX I did not agree to the terms of this loan nor did I sign a promissory note agreeing to these terms. And according to the FCRA they can not report this account to my credit file.
Product: Mortgage

Good afternoon, My name is XXXX XXXX XXXX, and I would like to file a complaint against Chase Mortgage Company.To make a long story short, I sued XXXX for fraud, my case was won, ( with precedence ), meaning that they ether award me my home, or produce the documents that they forged and were found guilty of, they did n't. Instead, two weeks after they were to award me my home, Chase sold my mortgage to XXXX XXXX XXXX, and now XXXX XXXX is foreclosing on my home. My second Attorney said Chase had exhausted their time in which to file, or award me my home, and he would make XXXX award me my home, but by the time he got around to filing, he said Florida had passed ( New Case Law ) allowing the mortgage company 's to make up paperwork to shore up there case.I have everything on disk. Do I have any legal case? I do n't want to lose my home!! 
Thank you for time in this matter. 
Respectfully XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completedPursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Debt collection

Agency is repeatedly reporting false information on consumers credit report. There has been no verification of contract or agreement between consumer and this creditor, therefore the collection agency should not be reporting. 
Verification of contract needs to be produced to verify obligation by consumer.
Product: Money transfer, virtual currency, or money service

Hello, I have a complaint about Coinbase. 
At beginning of XXXX, Coinbase started to review my account and leave a message : " Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status ''. I submitted a ticket to get help and receive replies On XX/XX/XXXX, " Hello, Coinbase Support resolved and closed your case '' Case # XXXX. In fact, my account still under review nothing changed. And I sent several messages and received the same content '' Coinbase Support resolved and closed your case '' Case # XXXX # XXXX # XXXX # XXXX # XXXX. More than 70 days have passed, Coinbase didn't do anything, my account still XXXX to trade and withdraw. 
During this period, the market went up and down, my account balance from {$57000.00} down to {$41000.00}. I lost the money. Now there are many people who have the same situation as me. We all work hard to earn money and invested in Coinbase, dreaming to make the quality of life. Don't break my dream. please help me get back to the account!!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX
Product: Student loan

I requested a forbearance extension as I'm currently unemployed due to my XXXX. Instead of replying to my email, they just put the loans in default the same day. 

Their customer service is practically non-existent, they always just say " there is nothing we can do. '' Their goal is just to get you off the phone so they don't have to bother trying to fix anything. 

Please PLEASE choose any other servicer. This company is predatory and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I received notification that the following was written to my credit : XXXX XXXX XXXX has flagged your account as Loan Modification on XX/XX/XXXX. 

On XXXX XXXX, XXXX I called XXXX XXXX who stated this was because my home was in a disaster area from XXXX, XXXX however I never took advantage of any of the benefits. XXXX XXXX  said it is my job to dispute this and ask to have it removed when they in fact this is a totally erroneous entry.