23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXXmy mortgage debt was paid in full so i assume threre was the taxes that had to completed which i thought was not accurate plus they keep on adding fees and additional interest that i couldn't keep up with so i like for the threats and phone calls to stop and lets work out a deal on the remaining taxes that i really owe and not charge me the mortgage payment that you are asking for you got your money from the monthly mortgage stop being greedy and taking advantage of me because i'm XXXX. I will not recommend your company to anyone. hope to work this out peacefully. thank-you
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for violating my educational privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) and the implementing regulations ( 34 CFR Part 99 ).

Detailed Explanation : 1. Background Information : XXXX has improperly disclosed my student loan information to third parties, including credit reporting agencies, without my consent or proper authorization. This disclosure violates my rights under FERPA. 
XXXX. Legal References : Under 20 U.S.C. 1232g and 34 CFR Part 99, my educational records, including student loan information, are protected by federal law. XXXX, as a servicer of federally-backed student loans, is required to adhere to these privacy protections. 
XXXX. Impact on You : The unauthorized disclosure of my student loan information has negatively impacted my credit score and caused financial harm. It also represents a breach of my rights to privacy regarding my educational records. 
XXXX. Previous Attempts to Resolve : I have contacted XXXX previously to address this issue, but they have failed to take corrective action to protect my privacy rights under FERPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX XXXX XXXX Opened XXXX {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 
2. High Balance XXXX is reporting {$440.00}. Experian is reporting {$0.00} and XXXX is reporting {$200.00}. 
3. Dated opened XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX 4.Credit limit XXXX is reporting {$230.00}. Experian is reporting {$230.00} and XXXX is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A
Product: Debt collection

I received a call from a company named STP Group for collection on a debt. I do owe the debt but was not originally with the group. I repeatedly asked the agent XXXX XXXX to send me proof of the debt and I would pay. I told her without written proof of the debt I will not pay. She said gotcha and will further process it. Obviously not following any collections rules as I repeatedly asked for proof of the debt via a letter.
Product: Credit reporting or other personal consumer reports

According to Cushman v Transunion 1997, XXXX, XXXX and TransUnion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT 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. 
Account name : XXXXXXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

15 U.S.C 1666b There is no such thing
as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO.

15 U.S.C 1602g We the people are the credit
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this fraudulent inquiry on my Equifax credit report and I've disputed it several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date XXXX  XX/XX/20
Product: Debt collection

Charge off account Account # XXXX Amount {$11.00} Thank you for reading my request about this account with this company I am writing today during my quarterly review of my account listed on my credit report I noticed that this account was charged off transunion XXXX. I am requesting that your company please forward me copy of the 1099 c that was issued bye the company when they charged this debt off wit iRS which is required bye law for all debt over XXXX $ please also enclose a printed copy of payment history or you may also send them to me at my email XXXX please do not send any marketing or other account information to this email I have no desire to have spam at this location in I track everything bye standard usps mall at my home address listed above you are violating 15 U.S.C 1681 of fair credit reporting Act I will not hesitate to file law suits if your company keep reporting inaccurate information to credit report that the company charges off I am ask for a full validation of this account thank you sincerely
Product: Vehicle loan or lease

I filed the XXXX claim after my car was totaled. Ally says they needed XXXX docs to complete the claim. I have emailed to the XXXX or XXXX  times and they say its still not correct. They are pretty simple docs and the say they can't see the complete pay history that I sent. It's all in a pdf and if you got one you got them all because they all in one doc and very easy to read. I have spoken with them XXXX times abiout it. getting nowhere. I sense this a standard business practice for them
Product: Credit card

Fortiva Credit Card owned by XXXX XXXX XXXX XXXX but controlled by a third party. XXXX XXXX XXXX XXXX may not know of the illegal/ predatory lending practices that the third party is committing, or maybe they do know and don't care. 

Fortiva is more like all the other credit cards owned by XXXX XXXX XXXX XXXX. They target low income/ and consumers with low credit scores. Banks like XXXX XXXX XXXX get rich off the poor/low income consumers, They take advantage of the low income. 

Companies like this one, break the law in every State they do Business with.

They mislead, false advertisement. They get you approved for one of there cards, make promises and once your approved they change the terms and conditions without consent.

In my case, they violated the truth in lending Act. Promised me certain terms and conditions and changed those once I applied and was approved. Charging monthly fees, yearly fees, not posting the payments when they're made in order to made extra money from interest. 

I have paid a total of {$640.00} since I've had this credit card, and my balance never goes down, enough since I don't use it. Each month those show my balance above the {$700.00} credit limit, after making payments, my balance finally comes just {$10.00} below the limit balance {$690.00} the next month when my bill is due, my balance shows above the credit limit. 

Credit Card companies like Fortiva is no different than payday loans that charge upwards of 500 %. Make your min payment of {$60.00} and not use it, only to find your next months balance still only {$10.00} below the credit limit. This Business main objection is to get rich, while making sure the CEO gets rich while robbing the poor and less fortune. It is very sad.

They're also violation the NC Consumer Protection Act here in North Carolina.

If CFPB doesn't do anything to stop these fraudsters from ripping off the low income consumers of this Country, than the only other thing I know to do is have my Attorney XXXX  to file a lawsuit, possibly a class-action after we contact other consumers with the same or similar issues. When it comes to class-actions, we do have a work around the so-called arbitration cause to pursue a class action. These fraudsters are also violating my rights under the FCRA but more so my rights under the NCFCRA which entitles me to damages.
Product: Credit card or prepaid card

REGARDING CASE # : XXXX PURPOSE OF THIS LETTER : I would like to appeal against the decision Barclays has made regarding my Fraud Case to restore {$1300.00} of Fraudulent charges to my account XXXX account. Decision enclosed. 
BACKGROUND : On XX/XX/, I purchased {$1300.00} of XXXX  Gift Cards using Barclays card XXXX believing that if I used them to pay my XXXX bill, I would get a discount on my next six months of Internet payments. The offer came through my XXXX, and the return number was XXXX. The people who answered the call identified themselves as XXXX and transferred me up a chain of representatives. This is not different from other promotional offers I previously received from XXXX regarding cable subscriptions. After I purchased the cards, I called the supposed XXXX rep with the numbers toward my bill. I never put these cards to personal use. A XXXX  of the XX/XX/XXXX XXXX is enclosed, along with another one that I received on XX/XX/XXXX. The receipts and cards are enclosed. 
ACTIONS UPON REALIZING I WAS DEFRAUDED : 1. I immediately went online to block purchases with card XXXX, reported the fraud to Barclays, and received a new card XXXX. As the Barclays customer service representatives requested, I took the further actions below : 2. I immediately reported the fraud to XXXX, which opened Case # XXXX. I uploaded scans of the backs and fronts of the cards as they requested and handwrote the Case # on the receipts ( scans enclosed ). I was told over the phone that I got to them soon enough, so the numbers were not activated. 
3. I reported the fraud to the XXXX XXXX XXXX XXXX Police Department. XXXX XXXX XXXX called me back the next day and opened Case # XXXX. Report enclosed. 
REQUEST : Among the reasons I use my Barclays card is to be protected against incidents of fraud. As you can see from the Actions above, I did as I was told by Barclays and made every effort to protect Barclays and XXXX from the fraudulent charges. In return, I would expect not be held responsible for the fraudulent charges and the credit be restored to my account. Many thanks for your consideration.
Product: Debt collection

It has come to my attention that Jefferson Capital System has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit card or prepaid card

There is someone using my social security number in XXXX Florida, theyve opened up credit cards and are using my health insurance.
Product: Debt collection

At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, XXXX, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company!
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( SYNERPRISE CONSULTING ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well. Doesn't this go against the FCRA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the FRCA 15 USC 1681 everything has to be 100 % accurate. I request that this account be removed from XXXX Transunion and Fico reports, payment of a XXXX for every Inaccuracy Accounts Peoples credit Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Product: Debt collection

This debt collection agency is attempting to collect debt that I have no knowledge of. According to the collection on file, ARS Account Resolution based in XXXX, FL ( XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ) is claiming I owe {$160.00} from XX/XX/2017. I was fully insured through my employer with a XXXX insurance plan and would not have incurred any medical debt during this time. 

This collection was reported to the three major credit bureaus ( XXXX, XXXX  and XXXX  ) and both XXXX  and XXXX  responded to my dispute stating that I had no knowledge of this debt and proceeded to delete the collection from my credit report. XXXX  has responded to multiple disputes placed by me by " verifying '' the debt but they have not sent me or given me access to anything that explains how this debt is tied to me. 

ARS Account Resolution has not responded to several letters that I have sent them citing Section 609 of the FCRA.

Having this blemish on my credit report ( especially when I have absolutely NO knowledge of it ) is hurting my credit and hindering on my financial independence.
Product: Money transfer, virtual currency, or money service

The below email was sent to Coinbase on XX/XX/21. 


On XX/XX/21, I received a text message from XXXX indicating that my Coinbase password has been changed and to call XXXX to automatically lock my account if I did not do this. I immediately called such number and followed the automatic prompts to lock my account, as I did not, not attempt to, change my password. Immediately after successfully locking my account, I created my first of nearly 10 support tickets which have since been created, dating from XX/XX/21 until today. The support ticket case numbers are : XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 On XX/XX/21, I received my last correspondence from Coinbase, which was an email stating that all my cases were consolidated to case # XXXX and that I will be contacted after a review, which generally takes 4-5 business days. 

Such time has clearly passed, as today marks 1 month with no response from Coinbase. 

During such time, I have tried the following : 1 ) unlocking my account, and 2 ) changing my password ( which was successful, however, upon trying to sign in, I am being required to enter a two step verification, which requires me to enter a verification code sent to my phone number. However, the last 2 digits displayed on the phone number the code being sent to do not match my phone number, nor any number that I am aware of ). 

I am now stuck with no response from Coinbase, no way to contact Coinbase, as there is no telephone support, and absolutely no idea what to do next. 

My account has large holdings in XXXX and XXXX, which were valued at over {$6000.00} the last time I checked, which was right before I lost access to my account on XX/XX/21. 

During this past month, Ive had no ability to buy/sell or trade on Coinbase and have lost ample opportunities to use my money as i see fit, which could have rendered my account having well over {$6000.00} even. Having such ability and access was well within my right as a customer. 

I am requesting immediate access to my account, as well as an explanation, as at this point, I have no idea if my account was compromised with all money being taken out, if my account has been improperly used, or if my account is locked. 

In any of the above situations, My damage has been severe and continues with each day that passes with no response or explanation. 

Since sending that email Ive received 2 emails indicating I would hear back in 20 business days. I have not received a response. There is no phone support for me to contact either.
Product: Mortgage

My Loan Care for XXXX XXXX. Loancare.com Keeping a check of mine for XXXX and some dollars, an escrow refund. 

Was deposited and then returned by my bank. 

Tried to re-desposit at my bank. A few times, multiple people there said its " on their end. Couldnt really get any good answer. Went to XXXX XXXX who is XXXX 's issuer but " not really their bank '' per XXXX XXXX, to try and cash it. That didnt work either. XXXX said we are a larger bank and they use us instead of their own bank or something. Spent about XXXX minutes at XXXX XXXX XXXX XXXX branch for them to say " try it again ''. 

I explained all this to the lady on the phone at the mortgage servicing company about XXXX weeks ago. She said they would issue me a new check. Of course, they didn't and today when I called them is when they said that I endorse the check and it's showing that I cashed it. Nor did they call me, email or anything. They did nothing except keep my XXXX and some dollars with no more communication. 

This company really needs to be penalized for this kind of thing. Ive spent so much time on this. On hold, in calling trees, in my bank, in XXXX XXXX, their bank.. 


On XX/XX/2024, at XXXX, XXXX XXXX XXXX XXXX : The yellow copy my banker mentions below can not be deposited, I've tried a few times. And today again, they've said " it was deposited and you endorsed the back ''. 

It was definitely not deposited. 
_____ XXXX, Email from banker at XXXX XXXX Bank today : I reached out to our deposit operations team, and they advised refer to maker could be for a number of reasons. They did mention if an account is negative at the time a check is deposited, that check could be returned refer to maker for having insufficient funds. I know that does not help much, but unfortunately, they do not give much detail. 

This check was deposited into your account XX/XX/2024 and retuned XX/XX/2024. The yellow copy you received is a legal copy of the check and you can deposit it back into your account. 

Please let me know if you have any questions or anything else I can help with. 


XXXX XXXX XXXX XXXX XXXX REPRESENTATIVE XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX firstinterstate.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credco in XX/XX/ and today, regarding a hard inquiry from a car dealership in Fl, that was placed on my credit file on XX/XX/, which I did not apply for. An investigation took place, only to come back as, the company who pulled my credit, was from an online application source. I even reached out to XXXX XXXX, and requested a phone call from the Finance dept and the General Manager and no one has returned my call yet as of today. I have documentation all this taking place inside the dealership, based on the email from the salesman. Keep in mind this is in another state, from which I currently live. Since this dealership, had the correct info to run my credit, nothing was done to delete this hard inquiry, but to refer me back to the credit bureaus to submit an identity fraud claim.I am exhausted with this process, because I am being dragged in a circle of lies, with no result.I currently have a freeze on all 3 credit reports due to me being a credit fraud victim. I am seeking additional help from your company, with removing this damaging inquiry from my credit report. Please help me. Thank you