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

I contacted the credit breau Equifax and advise them my file was mix up with someone elses credit file and I disputed 2 accounts multiple times I even call the creditor and the confirm that the accounts did not belong to me but when I disputed it with Equifax it never got taken off my credit report so I file a FTC report
Product: Vehicle loan or lease

Approximately in XX/XX/2022 I purchased a vehicle from XXXX XXXX XXXX located in XXXX Connecticut didnt even have the car in my possession for 48 hours until the car started to overheat also started to have serious problems so on and so forth they refused to fix it the vehicle so I took them to court I won the lawsuit for my down payment and everything else that was involved, towing fees, etc. I spoke to the bank which is Winthrop financial and I told them that how can I be held responsible for a loan when I didnt even have the property in my possession, I got the loan in an understanding that I was purchasing a reliable vehicle not a lemon.
Product: Credit card or prepaid card

This complaint is against Elan Financial services the issuer of my card. I was a credit card customer with them for over 8 years. I paid my bills and suddenly about 6 months ago they reduced my credit then today I found out today the company completely closed my account. The poor excuse they gave was I was making too low of a monthly payment. Mind you this also reduced my credit score by almost 40 points. I regret ever getting involved with this company.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$140.00} OPENE XXXX, Account name : XXXX XXXX XXXX {$560.00} opened XXXX, Account name : XXXX XXXX XXXX {$580.00} opened XXXX, Account name : XXXX XXXX {$3200.00} OPENED XXXX, has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. XXXX XXXX XXXX****, XXXX XXXX XXXX****
Product: Money transfer, virtual currency, or money service

I am trying to transfer monies from my Capital One checking account through the Online Savings account and Capitol One will not allow me access to transfer monies.
Product: Debt collection

Account XXXX XXXX Indigo  15Usc1692c ( c ) that the law clearly states if a consumer notifies a debt collector that the consumer refuses to pay debt that the debt collector must cease all communication
Product: Checking or savings account

I signed up for a TD bank acccount. I signed for a checking account and a savings account. there was a {$200.00} promotion for each account equaling {$400.00} dollars. I was told i met the promotion requirements but i have not received the funds due to the fact that due to " system outage '' that was XX/XX/2023. I was told to wait two to three weeks and now i am still being told there is a system outage.
Product: Debt collection

I am writing to update my credit report with the correct information. I am a victim of identity theft and did not make the following charges on my credit report. all correct information for all XXXX credit reports are supposed to be XXXX XXXX accurate. the information is incorrect. to protect my account I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed are responsible for updating my file. thank you.
Product: Money transfer, virtual currency, or money service

To whom it may concern My name is XXXX XXXX and I'm extremely upset on how Netspend has made a error and now won't fix their mistake. On XX/XX/XXXX I made a transfer to my actual bank account of {$3700.00} and I have proof because I took screenshots and it said it will be available XX/XX/XXXX and said I only had a balance of {$100.00}. The next day my XXXX XXXX was hacked where {$2200.00} was moved to a wan na be XXXX XXXX and it the subject they put my I got you. I was sleeping when this hack happened. I noticed in the morning and called netspend right away. Im a victim of fraud and now no one can assist me. I saw recently that a XXXX XXXX was hacked and a lot of customers were hacked and money stolen out of their account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i added XXXX dollars from my bank to my coinbase account. The account already has a balance of XXXX dollars that had already been in the account and confirmed. The only outstanding and pending transaction is the XXXX dollars. Their system indicated thatni have XXXX available for withdrawal trades and send. But i can not access my funds as coin base put a hold on the entire accounts until XXXX dollars is cleared. 

Spoke with multiple agents from coinbase and the answer is the same. If that XXXX dollars isnt clear i wont be able to access any lf my already confirmed XXXX dollars affectively holding it with zero interest for two weeks. The representative indicated that is the case. Even if the added money is XXXX dollar they still hold all available balances before it clears. 

If they do this to all their customers, they wouldve have billions or millions dollars loans for XXXX weeks without paying any fees or interest... they would gained millions by doing just this alone. Normally other platform will also hold funds until it clears. But the amount is the same as the pending. For example in my case they would hold XXXX off of my balance but i can use the rest as it is my own money. 

Coinbase account is the same as my email provided. I can provide screen shots and their calls are recorded. It appears either they are delaying or stealing funds for their own gains as it does not make any logical sense. 2 weeks of billions at zero interest means 50 millions at 5 % interest that they gained unjustly from doing this to their customers. 


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

- In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX  # 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and during XX/XX/XXXX my home in XXXX XXXX FL was destroyed by XXXX XXXX. My loan with XXXX XXXX was placed into Forbearance starting in XX/XX/XXXX. My home was repaired and livable again in XX/XX/XXXX. At that time loan modification paperwork was done to add the months of forbearance payments to the end of the loan. While the modification paperwork was being completed XXXX XXXX placed my loan in delinquent status showing it 120 days late. I started my payments in XXXX of XXXX during the time while waiting on the loan modification to be completed. I was informed that in XX/XX/XXXX that delinquency was an error and that the error would be corrected and that since it was a state of emergency and a natural disaster that the delinquency was a mistake. I have been unable to reach XXXX XXXX as it filed for Bankruptcy and since that time it has closed down and transferred my loan to XXXX. I have also contacted NeRez on XXXX XX/XX/XXXX to inquire if they could place an investigation into the negative post on my credit report.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> - {$00.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX - Subrogation Support Clerk Phone XXXX Fax XXXX My mom called me on XX/XX/21 stating that she received a call and was told I owe {$3300.00} to pay for the damages to another person 's car from a hit and run accident in XXXX or I would be sued or get my license suspended. My mom also stated that they called my brother. 

Then on XX/XX/21 they emailed my mom documents which included a letter stating the amount, the bill for the other person 's car, and the crash report that the other person filed. 

Nowhere did they identify themselves as a debt collector and all along they implied they were an insurance company or attorney. Also no where is my car make, model, color, or license plate identified to prove this is even really my debt. Whereas, I can prove with receipts and five witness accounts that I wasn't even in XXXX on the date of this accident nor was I allowed to drive due to a medical procedure that was done the prior day.
Product: Credit reporting or other personal consumer reports

My information was leaked and involved in the Equifax Data Breach and that is unsafe and unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to Experian, XXXX, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.
Product: Credit reporting or other personal consumer reports

I logged into my credit card app, which shows my XXXX XXXX  credit score, to discover that it had dropped XXXX points. It was XXXX, so it has effectively been ruined. Apparently XXXX reported to Experian that I had a derogatory account, with a balance of {$350.00} dollars. It states that the account with XXXX was opened in XXXX of 2024 and closed in XXXX of 2024. I have no account with XXXX at all. My father has XXXX, and I am on a family plan with him, but the account is on autopay and is linked to his credit card and SSN. This would in no way impact my score ( plus the payments are up to date ). I called XXXX just to confirm what I already knew, that I had no account with them. They found nothing in their systems under my name and SSN. I filed a dispute with Experian. It makes you create an account with them before you can file a dispute. I noticed after I put my name and social in that it auto-populated my address and asked if the information was accurate. It was not, it was some address in XXXX, VA that I have never lived at in my entire life. I corrected the information and proceeded to file my dispute. It should also be noted that if you look through all of my accounts, not XXXX has ever been late or derogatory, and all of a sudden this XXXX one just pops up. Clearly something is wrong, whether it be a typo or fraud. I just received the results, and they are continuing to say that their information is accurate. I am beyond frustrated as it has ruined my credit and is completely false. Both Experian and XXXX have done little to help, and it seems their is a breakdown somewhere. If I have no account with XXXX, then how could they report a derogatory account with my SSN? Experian clearly did nothing, as I filed the dispute on Friday and received results on a Sunday. I have tried multiple times to call Experian, and it is impossible to speak to a live human being. This is truly ridiculous, and my next best option was to file a complaint, so here I am.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a dispute to XXXX regarding an improper collections reporting on my credit report. I submitted a letter from my health insurer indicating that the collections was pending a claims payment and I was not responsible for the payment. The collections agency is improperly reporting the claim even though they are aware that I am not responsible for payment and my insurer is paying the claim. I spoke with an XXXX agent on the same day to confirm that I submitted the dispute and paperwork. XXXX resolved the dispute on XX/XX/2023 and stated the collections was accurate. I am not sure what else to do as I submitted everything showing that I am not responsible for the collections. XXXX 's site does not allow me to locate the contents of my dispute and I did not receive a copy of my dispute for my records. XXXX continues to report the collections even though they were provided the necessary information to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Research and Response Department I am writing this letter in regards to a Negative Credit Reporting annotation that occurred on my credit report on the month of XX/XX/XXXX ( See attached Credit Reports from XXXX, XXXX, and XXXX ) ; that I would appreciate your reconsideration and correction. 

As you can see on my payment history, I was able to bring my account current by the month of XX/XX/XXXX. I was entered into the Forbearance program offered by Mr. Cooper in XX/XX/XXXX, and I continued to be in forbearance thru XX/XX/XXXX when my financial situation changed, I called in to ask for the removal of the forbearance program ending in XX/XX/XXXX. Thus, I made all my forbearance payments and my 1st regular payment for XX/XX/XXXX on XX/XX/XXXX. 

Therefore, I do not understand why any XXXX XXXX XXXX would have been reflected on my credit during XX/XX/XXXX and was reported on XX/XX/XXXX to all credit bureaus, since during the Forbearance program I was protected from any Negative Credit Reporting. Also, I would like to reinstate that I have recovered from my previous financial situation, and it can be recognized and accounted for now that I have completely paid for all the months that were in arrears during the forbearance period including my first out of forbearance payment for the month of XX/XX/XXXX. In addition, I am processing my XX/XX/XXXX payment today online and I am attaching proof for your review. 

I would sincerely hope that there is redemption at Mr. Cooper, and I am asking for such consideration and correction in my payment history and credit reporting for my account with you and concurrently with all the credit bureaus. 

As you would agree, it is imperative that my credit reflects a good standing with Mr. Cooper as well as with my other creditors and I hope this oversight that was done by Mr. Cooper in making this late payment reporting can be remediated as soon as possible. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Experian : XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

A woman named XXXX XXXX from Dynamic Recovery Solutions called my husband looking for payment on a charged off credit card in my name from 2004. He informed her that the statue of limitation had run its course and she threatened to ruin his credit if he did not give her my direct phone number. 

I then called the company myself and spoke to a different collector who then told me they would sue me if I did not pay the account in full despite me reciting the statute of limitations and my rights under the FCRA. He then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a new XXXX from XXXX XXXX XXXX XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXXand XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Collection Services is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature showing we had a contract as well as the agreement between Credit Collection Services and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of Ml as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX in the amount of {$48.00}. Ive never insured with XXXX XXXX. I also reached out to XXXX XXXX to confirm and they have no records. I have a lawyer on hand to file suit if this account is not canceled. Also their information has not been reviewed by a lawyer.