23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX XXXX partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX. ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.
Product: Student loan

The student loan responded to last complaint on XX/XX/15 saying still in review and would respond but that was over XXXX weeks ago and still no update?
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have had a probem with a credit card my wife got thru walmart/ synchrony bank.I asked for a settlement on the account due to divorce and i made the payments as scheduled and even called on around the XX/XX/XXXX to make sure everything was ok and i was assured that everything was ok and the debt was taken care of i should receive a letter stating the same later in the month .I just received a letter today stating i didnt make the payments as arranged and that this will be declared a bad debt. I just got hung up on by the sychrony bank because they say they are missing my last payment after another rep said it was made plus i have proof that my check has their endorsement on it
Product: Payday loan, title loan, or personal loan

I recieved a loan for $ XXXX have been deducted {$89.00} per week from my bank account for XXXX weeks. when calling to see the remaining balance I was told there were still {$590.00} principle left and all I was paying was the interest in finance fees. So after paying {$710.00} the company states i have only paid XXXX cents off the principal. This is a predatory lender.
Product: Debt collection

My wife and I had a monthly membership at the New York XXXX XXXX XXXX XXXX in XXXX, NY. In XX/XX/XXXX, I decided to cancel the membership because we had moved away. A gym employee told me to cancel by emailing XXXX XXXX XXXX XXXX at XXXX, which I promptly did on XX/XX/XXXX. However, on XX/XX/XXXX, I received an email from XXXX XXXX, stating that I owed {$62.00} for failure to pay the gym membership for the month of XXXX. The email informed me that XXXX XXXX was a debt collector and that they accepted disputes and original creditor information requests electronically at XXXX. The email assured that such requests would be honored within 30 days. 

At this time, I also began to receive phone calls from XXXX XXXX XXXX XXXX per week. These calls are automated, and there is no apparent ability to speak with a person. 

On XX/XX/XXXX, I called the gym, and XXXX XXXX emailed me later that day to apologize for missing my XXXX email to her but told me that her records correctly reflected that I had not been billed since XXXX. I relayed this information to XXXX XXXX and also alternatively asked them to verify my debt. To my surprised, XXXX XXXX responded by directing me to resolve my dispute with the gym and that my email with the XXXX XXXX did not clearly indicate that she had made an exception for me. I reached out to the gym again on XX/XX/XXXX, and XXXX XXXX immediately responded to me, saying that I was not responsible for the debt and that she would reach out to XXXX XXXX to clear it up. 

I immediately forwarded this email to XXXX XXXX and reiterated my alternative request for them to verify my debt. I implored them to follow up with gym management before continuing debt collection attempts and even offered to pay the purported debt if provided with confirmation from the gym. This morning, on XX/XX/XXXX, XXXX XXXX told me that I needed to pay the purported debt in order to confirm my request for them to verify my debt. 

I believe XXXX XXXX are engaging in predatory debt collection practices. I believe that I have provided them with adequate notice that the debt is invalid and have begged them to follow up with the gym. I believe that XXXX XXXX has also refused to communicate in good faith providing only circular responses that urge me to pay without any indication that they spoke with the gym regarding my dispute. They have threatened to allow service charges to accrue until I paid the invalid debt in full and to assign it to another debt collection agency. The phone calls must also stop. I have also worked very hard on my financial reputation and my reputation as a federal government attorney, and I worry constantly about the embarrassment and financial harm the continued harassment might cause me. 

I am attaching my email communications with XXXX and XXXX XXXX in full.
Product: Debt collection

XXXX XXXX Opened an XXXX XX/XX/XXXX XXXX cell phone acct to add to my internet service with XXXX XXXX The promotion offered was 3 free phones, 4th a promotional price of {$700.00} and 5th in exchange for my Iphone ( from previous service provider ) and rewards card in the amount of {$600.00} to go towards the {$700.00} promotional cell. My monthly cell phone service fee was to be {$120.00} a month for all cell service. From XXXX to XX/XX/2021 ( when i closed acct due to no correction of acct ), I continuously called about a bill i had received every month to pay {$500.00}. For 8 months i had received a bill for {$500.00} in which no one could help fix the error. I called the XXXX Sales Consultant that opened my acct, XXXX XXXX, and he said he would fix it. I never got the acct corrected after paying $ XXXX every month ( i was told they would disconnect my service if i didn't pay it ). I closed the acct and then i received a bill for {$3200.00}. This quickly went into collection ruining my good credit. I spoke to credit co and disputed this. XXXX never responded and i advised the credit co XXXX was in violation of the collection practices act and it was well over the 30 days and was in fact more than 90 days. The credit Co then responded by saying they would be ceasing all communication and i would need to contact XXXX directly. I would like this resolved and taken off my credit report. I have all receipts, names and invoices i submitted in the dispute. Please help as this has affected my perfect credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFBP write up In accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A .states I have the right to privacy. 15 U.S.C 1681 section 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Navient student loans is calling me up to 8 times a day for loan payments that are not even 30 days late. The payment is high, so I have to make it when I get paid. When I asked them why they called so much, they said the state of South Carolina allows them To call me once an hour. Ive received over 30 calls in the last 7 days. This is excessive, especially for a loan Ive been paying for over 10 years and have never fallen 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian has violated my rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy, Experian is reporting incorrect addresses, as well as old addresses that I no longer have access to the mailbox. These actions are potentially putting me at risk of being a victim of identity fraud.
Product: Debt collection

XX/XX/ Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Credit Collection Services, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

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

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B )  ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX/XXXX XXXX   XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Checking or savings account

USAA will not allow me to access my accounts unless I answer their survey wanting my employment information, income and net worth. I can no longer look at my accounts, pay bills or even deposit checks. I wonder if this is even legal. 

Ive spoken with an assistant out of the CEOs office and theyre standing firm, give them my information or get cut off.
Product: Checking or savings account

On XX/XX/XXXX the bank closed my account holding on my funds for XXXX  days. 

Since then on the XXXX of XXXX I had a deposit from the Va XXXX of XXXX this is protected funds and the bank is holding these and wont release the funds to me this is a hardship and I have know money. 

The bank is USAA and they have a freeze on all my accounts. 

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

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE Inquiry from XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE Inquiry from XXXX  XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE Inquiry from XXXX  XXXX on XX/XX/XXXX. 
DUPLICATE UNAUTHORIZED INQUIRY, PLEASE DELETE
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$16000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.
Product: Checking or savings account

I have e-Correspondence selected to avoid physical mail being sent to the house. Mail continues to come via post. I recently changed my address to my parents address with USAA since they insist I should not be receiving physical mail and I am scheduled to move overseas in 1 month. Physical banking statements are now being sent to my parents address and mail is still being sent to my current address. This lack of control 9f financial documentation adds a great financial risk to my family and I. USAA places the full account numbers in their mail. I have contacted them 2 times via phone. Once to ask why I am getting mail and to change the address. The second was to ask why I am still receiving physical mail and why it is coming to the address I changed. The bank refuses to acknowledge that there is an issue on their mailing side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DPT ED/XXXX  XXXX Balance : {$210000.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is to express my deep dissatisfaction with the repeated unsuccessful attempts I have made to remove the fraud items from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. I discovered an fraud items listed on my credit report. Its inclusion on my credit report is erroneous and misleading. Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I demand for your assistance for immediate action to rectify these inaccuracies on my credit report, specifically by removing the fraud items. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According 15 USC 1681 : I have rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX  : # XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello and good day, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX Below is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Form 1099-C - Discharge of Debt was filed by JP Morgan Chase & Co with the IRS, for the mortgage loan account number XXXX in the amount of {$75000.00}. Copy B of the 1099-C form was sent to me by JP Morgan Chase & Co because the total amount of the debt owed has been discharged in full, due to an identifiable event that has occurred and the debt owed is now Paid In Full. This is important tax information and is being furnished to the IRS.

JP Morgan Chase & Co has failed to notify me the year following the filing and has failed to update account number 1368522720 to Paid In Full. Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs. JP Morgan Chase & Co had continued to collect on this debt even after filing the 1099-C with the IRS and discharging the debt. JP Morgan Chase & Co has lead me to believe that this loan is not paid in full and I had continued to make monthly mortgage payments following their 1099-C filing on this loan.
Product: Money transfer, virtual currency, or money service

Coinbase claims I can withdraw my money from my Coinbase account. That is a lie. Coinbase refuses to send the debit card verification to my bank account so it can verify my debit card for the withdrawal. I have tried to get Coinbase to send the verification numerous times. Coinbase consistently refuses to comply. 

Coinbase offers me no other method to withdraw my money. 

Coinbase has stolen my money and refuses to return it or give me access to withdraw it.
Product: Money transfer, virtual currency, or money service

Multiple emails sent this morning ( XX/XX/2024 XXXX XXXX ) stating a Chime account was created and phone number that was not mine was updated on the account. Called the companys phone number XXXX and was asked sensitive questions including DOB and SSN to identify and close the account. Hung up and realized there are many others who have experienced this and worried about my sensitive information. Company not to be trusted.
Product: Student loan

This information is in addition to Complaint Number XXXX. I just learned that XXXX XXXX XXXX either sold or moved my debt collection to Aldridge Pite Haan. Per their letter dated XX/XX/XXXX, my outstanding balance show {$30000.00}. I have already paid {$11000.00} from Wage Garnishment and another {$27000.00} directly to XXXX in XXXX during my Bankruptcy. The very first notice I received for the Judgment showed a balance due of {$32000.00}. I have tried to call and have sent several communication to Aldridge Pite Haan with no response. When I did actual spoke with someone they basically stated you owe this and we will take every means to receive payment. My question where has all the money I have already paid went too. They are still collecting {$200.00} a check through Wage Garnishment. Contact Information for Aldridge Pite Haan is XXXX or website www.aph-law.com Any assistance would be greatly appreciate. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking you to investigate '' ( XXXX XXXX ; Account Number : XXXX )