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

TransUnion, XXXX, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my report, my address is XXXX XXXX XXXX XXXX, Georgia XXXX any other address is not mine and should be immediately deleted. The credit bureaus are required under federal law to report accurate information. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

No extra information was exchanged, I received multiple calls from different phone numbers ( the one I inputted being the most recent ) asking me about a debt I dont know anything about. I have received hundreds of calls over the last few years and have requested information from them in early XXXX  ; written statements of everything I supposedly owe, itemized out so I may be made aware. I have yet to receive any documentation from this entity and refuse to pay an sum of money until further evidence is presented. I have gone as far as telling this company to place me on their do not call list, they can not even respect my rights enough to stop their almost daily phone calls.
Product: Money transfer, virtual currency, or money service

I have an account with coinbase LLC to trade crypto currency, I deposited {$300.00} into my wallet on XX/XX/XXXX and waited until it showed a balance before trading. I made a trade then noticed on on XX/XX/XXXX that not only was the {$300.00} with drawn from bank account but an additional {$350.00} had been withdrawn. I then contacted bank and had a stop placed on my account and contacted coinbase who took a day to get back to me and they said I had not had a balance of {$300.00} and thats why they took money from my account, so in total {$650.00} were withdrawn. My bank put back the {$350.00} into my account and I thought all was well but coinbase then put the situation into an investigation and locked me out of my account and I am still locked out as of today, I have nearly a dozen emailssent with no resposne other then we'll get back to you. 
Also the investigation was closed on XX/XX/XXXX. Their phone systems now hangs up on me when I call, no operators or representatives are available to speak to, so I am stuck and real angry and frustrated with them, I just want to close account and withdraw my {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though Ive paid off all my loan and credit card balances Equifax is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also XX/XX/XXXX has addressed for me listed in XX/XX/XXXX although Ive never lived in XXXX in my entire life. Equifax refuses to remove it. I reported this numerous times over the last year
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows a High Credit {$2500.00} and a Charge Off/Close Account must show {$0.00}.

4. Delete this account, because it shows Payment History reported  consecutively on these dates XX/XX/XXXX {$2500.00} Balance ; XX/XX/XXXX {$2500.00} High Credit ; XX/XX/XXXX {$2500.00} Amount Past Due ; XX/XX/XXXX {$2500.00} Balance ; XX/XX/XXXX {$2500.00} High Credit ; XX/XX/XXXX {$2500.00} Amount Past Due ; XX/XX/XXXX L ; XX/XX/XXXX L ; XX/XX/XXXX L ; XX/XX/XXXX G ; XX/XX/XXXX G ; XX/XX/XXXX G ; XX/XX/XXXX 4 Account must show NO Payment history or consecutively as L, G, BALANCE AMOUNT, PAST DUE AMOUNT or HIGH CREDIT reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a XXXX loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain credit.
Product: Debt collection

A company called United Recovery services has been continually harassing me with repeatedly phone calls daily about debt they can not provide full information on. I 've called and asked for how they obtained my information, and they hang up. Today, they contacted a family member that they obtained his phone number illegally and without his or my permission, then they proceeded to harass him on the phone, claiming his was lying about his identity. When he asked who they were and what they were calling about, they refused to give any information. This is absurd that a company is allowed to do this and to illegally obtain other people 's contact information and then lie about it.
Product: Credit reporting or other personal consumer reports

In regards to the complaint # XXXX Ive already sent proof of all my documentation to Equifax and yet they still deny me access to my own credit report. I am hindered from purchasing property because Equifax continues to deny me access to my report and respond back with the same letter asking for documentation that I have already sent them. Please I need help with Equifax because they got me going in circles
Product: Vehicle loan or lease

My name is XXXX XXXX ( cell phone # XXXX XXXX XXXX ). I received a statement letter from Mechanics Bank XXXX XXXX stated that I took out a loan amount {$87000.00} with total payments of {$98000.00} to purchase a XXXX  XXXX XXXX from XXXX XXXX XXXX. I never bought this car. I never contacted Mechanics Bank for a loan. This is XXXX. 

Dealer Address : XXXX XXXX XXXXp XXXX XXXX XXXX XXXX, TX XXXX Phone # XXXX XXXX XXXX Mechanics Bank XXXX XXXX  information XXXX XXXX XXXX XXXX XXXX Nevada XXXX phone # XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was un.easible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Money transfer, virtual currency, or money service

Coinbase XXXX allowed me to deposit into my account with them the virtual currency USDT. When I went to find the deposit in my account there is no USDT. Though XXXX I discovered NY residents are not allowed to use nor hold USDT. So although they allowed me to transfer to their platform they are not providing me with access to the funds. They're just keeping the funds with no recourse on my end.
Product: Debt collection

XXXX sent a bill for " taxes '' I pay all taxes with all my shipments, I have no idea what this is. They then sent the bill to a credit agency TSI for {$17.00} XXXX XXXX inv number XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have attempted to withdrawal available US dollars/funds of {$170.00} from Binance.US and advised withdrawals disabled. Also, unable to trade stating trading is also disabled. A ticket was submitted on XX/XX/2021 to Binance describing issue and still no response or resolution to this date of XX/XX/2021. At this point I just want to leave the platform and completely cash out available funds as well as all available crypto. This company has held any trading that could result in greater wealth for myself and very unfortunate.
Product: Credit card or prepaid card

I have several credit cards including XXXX, Discover, XXXX XXXX, XXXX and XXXX XXXX, all of which are charging in excess of 24 % and as much as 28 %! 

My XXXX  score ranges from XXXX to XXXX and Ive complained to the above listed companies and was provided absolutely erroneous information without any resolution. 

Why am I being taken advantage of when my credit rating is in the excellent range?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020. 

According to the law that all three bureaus -XXXX  , XXXX  , and Equifax ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.
Product: Debt collection

Dear Sir/Madam, I had moved to XXXX XXXX XXXX in XX/XX/2017. From the day I moved in, I had issues. There were bedbugs and other weird bugs inside the apartment. I complained to management several times. They sent maintenance manager couple of times but he couldn't fix the issue. He said it's an old apartment complex and the bugs were coming from the pipes and A/C unit and there was nothing he could do. On XX/XX/XXXX, I got robbed. I also have police report and the report number is XXXX - Police told me that I was lucky to be alive. Next day I moved out as I was in big trauma. I had already paid the apartment complex the rent and I don't owe them any money. I told them about the robbery and I was traumatized which resulted me to live with my mom for a year until I recovered. This apartment complex is not a safe place and it is not providing a healthy condition to residents as well. My safety and life was in danger there. I owe XXXX XXXX XXXX nothing. They are misrepresenting facts and claiming an amount which I don't owe them.
Product: Debt collection

I KNOW THAT THESE PEOPLE HAVE THEWRONG PERSON BECAUSE THIS IS NOT MY DEBT AND SO THEY SHOULD NOT BE CALLING BE BECAUSE I HAVE SENT LETTERS STATING THAT THEY NEED TO STOP.
Product: Debt collection

I have been receiving threatning phone calls and messages from Orions Managment Group XXXX concerning a charge off on my credit history which was paid through another company in XXXX. The continue to threaten me and has advised me that legal action will be taken to collect the remaining balance? i have no record of owing any further payments or any letter concerning the new collection agency. I have never beeen contacted from Orions until XXXX and they continue to harrasse me. They have contacted my daughter telling her it was an emergency that they reach me. I have been upset every night with the fear of the threats. The last call came on XXXX XXXX, XXXX from someone named XXXX? The number came from a cell phone XXXX registered XXXX. The company number is XXXX. This account was opened in XXXX with XXXX. I did not learn that it had been charged-off until XXXX XXXX after the other company had taken my money. The companies name is XXXX XXXX XXXX XXXX XXXX. They took over a thousand dollars to settle this account. I did not know that this money was not being paid to XXXX until I inquired the status. That company misrepresented who they were and told be specifically that they were collecting for XXXX. Now, here it is another fraudulent company trying to make me pay again. Orion 's has threatening to send me a warrant for court. Please help to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint form because Experian, has ignored my request to provide me with documents that their company has on file that was most likely used to verify the accounts i disputed previously. Being that its been pass the 30 day mark and cant verify these accounts, under Sec.611 ( 5 ) A of the FCRA : They are required " to promptly delete all information which can not be verified " that i have disputed off my account. Please resolve this manner as soon as possible. Thanks
Product: Student loan

: My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full.

: This breach is a clear violation of FERPA And your responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing this from my credit reports for years!! The furniture account was opened fraudulently. I have shared my FTC. report with this company numerous of times, stating that my identity was stolen and they will not delete it off my credit report. I also asked them for a wet signature with my name and all the could show me was a computer generated signature! This is hindering me from getting safe and stable housing. I have been disputing this for years, it has cost me jobs and find a home due to this matter. I have sent supporting documents to show that the account was open fraudulently. Im also in the process of taking legal action.
Product: Credit card

I got a miles and more travel credit card from Barclays Bank US as I am a frequent Traveller in XX/XX/year>. I used this card for approximately XXXX weeks and the card was put on a block. I called the bank severally to complain and in between my calls being redirected to XXXX where I am put on very long holds and repeatedly asked to send fax of my documents including my ID for there verification nothing ever got resolved. After sending fax about XXXX times and dozens of calls with no result for almost XXXX months I requested the account be closed. Before the account closure I tried making payment of {$1000.00} to the account to offset my spendings on the card, Barclays returned the payment back to my XXXX XXXX  XXXX due to the restriction on my account. 

In XXXX when I saw the burgeoning interests and charges I called them again and finally was told the block has been lifted and I disputed the over {$400.00} in lates and payment and the person who spoke to me on XX/XX/year> agreed to remove all charges and interest and revert back to the original outstanding of {$2600.00}, with the promise that the next billing cycle it will reflect and the minimum payment will be as it should be without the charges. On the same day the person said my minimum due after all previous charges were removed was {$1.00} but I told her to go ahead and charge {$10.00} to my account which she did. But by the XXXX of the same month I got another late fees payment which I again contested and reminded the person I spoke with that the account balances is yet to be rectified to showing the agreed minimum payments as I am still seeing {$500.00} plus on the new cycle, I was then told the {$1.00} minimum information I was given was wrong but rather it was {$30.00} plus which I made and in XXXX I made another {$92.00} against a {$91.00} minimum payment, but with each payment the balances increase and I keep getting charged a late fee. This Barclays US has treated me so unfairly the trauma of the experience made me request the close the account. The worst thing is after Barclays told XXXX on XX/XX/XXXX all was okay and my account will be adjusted and receiving payments from me today I realized my account was sent to collections. I keep calling them and chatting to fix the situation but from every indication they are not listening to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that a new credit card from Comenity Bank XXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the Comenity Bank they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the Comenity Bank rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXXXXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called Comenity Bank and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The Comenity Bank account that was created under my name had the last 4 digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.
Product: Debt collection

Midland funding LLC Doing Business In Ohio As Midland Funding De LLC has obtained a debt from a XXXX XXXXXXXX bank. The original debt that was placed on my account was for {$1300.00}. The account was deleted from my credit report for being fraudulently opened. I informed Midland that I am not responsible for this debt. I never opened a credit card with XXXX XXXX bank. I was a victim of identity theft in XXXX. They sent a letter dated XX/XX/XXXX stating that I owe {$1600.00}. The letter states that a judgment was obtained against me or certified in XXXX XXXX XXXX on XX/XX/XXXX demanding payment. If I dont respond within 15 days then they will begin to garnish my wages. I spoke with Midland and they would not set up a dispute resolution for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear consumer Finance, My name is XXXX XXXX XXXX I recently, obtained a copy of my TransUnion Credit Report for 2018. I notice on my credit report that, XXXX / XXXX had stated that, the court house verified my bankruptcy at the court house. So, I wrote to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Trans Union Report., See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''.

The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, XXXX and XXXX a copy of the letter from the court house to show them  the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is untrue " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ).

I have written to asked them to remove the fraudulently information from ALL my Credit Reports.

Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments posting to my report that was in fact paid on time. The Consumer reporting agencies shall report all information with complete accuracy.

Pursuant to 15 U.S. Code 1681e Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

In fact according to the consumer these accounts have not been reported late on payments. I have attached a copy of my report to this complaint on the following dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX