23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Coinbase the XXXX scam company that has already scammed me once is still scamming me. After they stole my money and refused to close my account and wouldnt let me trade while bitcoin crashed. Bitcoin finally went back out to I sold and am trying to get my money back from this XXXX awful company, and they wont let me transfer my money back to my bank account. So theyre still holding the money they scammed me into giving them originally. They still havent closed my account because it still has funds. But I cant withdrawal the funds. They also have no way to talk to an actual human everyone I communicate with is a chat function with options and no people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts tried to be opened that was not me and is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9.  Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FOR Experian 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FOR XXXX 1. Validate Account BK OF MO Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.

6. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
Product: Debt collection

I am writing to lodge a complaint against Aldous & Associates P.L.L.C. regarding their unprofessional and potentially unlawful debt collection practices. 

Today, XX/XX/year>, I received a voicemail from Aldous & Associates with no information other than a phone number. Upon calling back, I was informed they were attempting to collect a debt. When I inquired about the debt, I was put on hold for approximately 20 minutes without response. I had to hang up and call back, only to be told the manager was busy and would return my call. 

Several hours later, I received a call back. They informed me that the debt was related to a past-due gym membership. I explained that the gym had confirmed this bill was not valid and would rescind it. I requested details of the bill, and the manager stated it had been mailed to an incorrect address ( previous home address ). I provided the correct address and requested the information via email. 

The manager agreed to send the details via email but refused to receive the gyms response via email, stating they do not communicate via email. This contradictory stance hampers the ability to respond to debt claims. They insisted any documentation must be sent to a XXXX XXXX XXXX which is highly inconvenient and delays communication. 

Aldous & Associates did not provide the necessary information required by law, such as an itemized breakdown of the invoice in the email they sent. Their one-sided communication system complicates and delays the resolution process, potentially capitalizing on confusion. 

I request that the CFPB investigate these practices and ensure Aldous & Associates complies with all relevant laws and adopts fair communication practices. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : 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 reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX   XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I sent a letter to EQUIFAX on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX # XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and respecting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Student loan

On XX/XX/XXXX I received a letter from Nelnet informing me that I was approved for the SAVE program and my account was switched from my previous IDR to SAVE. On XX/XX/XXXX I received a letter from Nelnet informing me that my account was placed into administrative forbearance for 12 months, through XXXX of XXXX. On XX/XX/XXXX I received a letter from Nelnet saying that I must reapply for the SAVE program due to not providing requested documents and proof of income. I spoke to a Nelnet representative today XX/XX/XXXX. Her name is XXXX, she confirmed that my entire application with a payment stub was in my file and she reviewed it during our call. She acknowledged I was informed that I was enrolled in the SAVE program and placed in administrative forbearance for 1 year. She then confirmed that my application is now labeled as " abandoned '' due to lack of providing proof of income. XXXX put me on hold while she attempted to call the enrollment department. She came back saying they aren't answering the phone. I explained that I was on hold for over 45 minutes while the previous representative was trying to get a hold of XXXX and I would be very content to hold until she could reach someone in the enrollment department. I explained that I arranged my workday to have plenty of time today to wait on hold and to get this issue resolved. XXXX explained that it is Nelnet policy to not continue to try to contact the enrollment department while clients wait on hold. She insisted that she will continue to contact them on my behalf over the next week and she will get back to me. I believe I have been blown off and that I will never hear from XXXX again and that I am currently not enrolled in any program due to Nelnet altering my status and kicking me out of the SAVE program after putting me on administrative forbearance until XX/XX/XXXX. Nelnet is changing the rules of the game and not giving me a fair chance to play legitimately. If I was approved and given administrative forbearance, how can they legally kick me out of the SAVE program and then refuse to let me stay on hold while I set aside time to try to resolve the problem ( have them correct their error? )
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

10 or more years ago ( unsure about exact date ). I had a {$50.00} stop payment placed on my account for a payment to XXXX. I'm not even certain if was for a XXXX. Anyhow, they did not properly explain, and/or document the changes " Stop payment '' ten plus years ago. 

As to-date I've had 2 or more {$50.00} payments returned by XXXX XXXX ; I was also assessed two or more {$50.00} NSF fee by AMEX. Puzzled by the returned payments and frustrated by the fees I started to dig into what's going on. XXXX XXXX has returned the two {$50.00} payments as of XXXX & XX/XX/XXXX. I guess due to this {$50.00} stop payment from 10+ years ago. Still unsure how it popped up. 

When i called AMEX to ask for forgiveness and the fee waived, I was told its XXXX XXXX 's fault. You need to contact your bank ; we will not waive the fees. About a solid month ago I also asked for the annual fee to be waived for me. I was laid off by XXXX XXXX XX/XX/XXXX after 15 years of service. I considered enrolling in the payment plan to help people but declined after i found out it negatively impacts your credit. I begged and pleaded with the two reps i spoke to that day to waive the enrollment fee, and the first NSF fee. I was strong armed on the phone with Solid NO 's, this is our policy, no forgiveness, the fees are valid. 

Look, I understand, having worked for corporate America. Those fees help your stock price. My first manager would scold me for waiving the {$20.00} phone fee. When I worked my first 3 years in the call center. I felt too much for those people, you could hear the hurt in their voice. This {$20.00} was coming out of something in their monthly budget, part of the light bill, groceries, gas for the week. It was the least I could do. People that fall behind on bills usually juggling a lot. Deciding which bill to pay to avoid disconnected. This has become my case. I haven't been XXXX  this long since before I was a kid. Which is why I also thought AMEX would show compassion in my plight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance is incorrectly reporting to credit bureau my car loan information. My original balance information I purchased car for in the amount of {$23000.00} with monthly payments due {$330.00}. NAMC also reporting inaccurate information that my account is in deferred status on ongoing basis, regardless the fact that monthly payments were made in XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. When I file request for correction their response is totally irrelevant and instead they are writing response regarding lifetime loan history ( which is irrelevant from my current issue ) but avoiding answer to actual issue which is current payment history from XXXX till XX/XX/XXXX and not being in ongoing deferred status. NAMC had option before when there is beyond control circumstances to take advantage of extension where payment is moved to the end of the loan and I have taken this option while struggled either with natural disaster in XXXX and/or medical illness, they always reported those extensions as current to credit agencies, there was not an issue then at all. As of result of COVID 19 and many Government agencies were under lockdown and my employment experienced hardship, NAMC offered extension for my account for the month of XXXX and XX/XX/XXXX. I did appreciated this help and my account was brought to current status in XX/XX/XXXX and I resumed payments as of XX/XX/XXXX paying out of my packet. In their letter to XXXX is confirmed that those payments were made on time, whatever they failed and continue to report correctly to credit agency XXXX as requested and required according to FCRA act. This is causing me hardship with not only for me to move forward with my contracts but also to obtain any credit ( especially auto loan ). I am trying to rebuild my credit also and its crucial that my account is reported accurately. I request that NAMC report original loan amount of {$23000.00} with monthly payments of {$330.00} with current balance of {$6400.00} as well report current payments from XXXX till XX/XX/XXXX and remove Deferred status as this is not accurate. This is really causing me emotional and financial distress. I am hoping that this time someone will look at this issue and help me resolve it once for all.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX  organization known as XXXX is negatively reporting against me to credit bureaus for a XXXX XXXX I've already paid off in full to a 3rd party collection agency. 'Account : XXXX ' is what XXXX uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

XXXX continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I noticed some things that was not my mine what so ever. 
The first account is XXXX XXXX XXXXXXXX This account seems to be in Florida when I was living in New York at the time I sent in a validation of debt letter after reading 15 USC 1692g and I never received a response. I dont know how my info was fraudulently used or obtained but I demand that its fixed and who ever account this is to be held accountable. I want this removed from my credit report as soon as possible. Ive disputed this multiple time with Experian and XXXX and I believe that they both have falsely investigated this matter according to 15 USC 1681i if they did do a proper investigation they would see this is fraud and my information was fraudulent used experian and XXXX was both informed that I sent a validation of debt letter and received no response.
Product: Consumer Loan

On XXXX/XXXX/2016, My husband and I called XXXX XXXX to make a payment to Honda financial ( because they refused to take a payment directly from me ). XXXX XXXX confirmed the code and company I asked them to send it to as Honda financial code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and XXXX XXXX will take no accountability for THEIR error. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time all they say is the funds never came back and there is nothing they can do ... Honda does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can XXXX less about their consumers when they pay THOUSANDS of dollars for a product. Further more it sickens me to think XXXX XXXX can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that Honda cant do a thing to put my account on a freeze or something until XXXX XXXX resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't XXXX about the consumers they service. Not to mention Honda claims to have sent me a repossession letter months ago and I just found out about it on XXXX/XXXX/2016. they said a letter was sent months ago and have failed to provide the signature on the alleged certified letter. I think this Is because they did n't send one because no one in my household singed for anything like that. I think what they are doing is illegal and wrong so that they can scam me for more money at this point. I also want to note that if they had changed my payment due date 2 years ago as requested on several occasions, I never would have been behind on my payments as I was unexpectedly laid off and advised them I needed the date moved to compensate. I 've never worked with such an incompetent group of corporations in my life and if that is the way they want to do business, I am SHOCKED that they are still in business.
Product: Debt collection

We 're not able to agree on the amount owed. I do owe them money just not the amount they 're claiming.
Product: Bank account or service

Bank of America has continually, after many conversations with them, in branch and on the phone have refused to work with me on their fee schedule and/or finding a better account of mechanism of which to manage my money at their bank. Virtually every service has an account fee, up until recently even going to the bank counter. Its been an unfortunate experience as a student and somebody not yet making a significant amount of money, bank fees this year resulted in 2.5 % of my income being unusable by me.
Product: Money transfer, virtual currency, or money service

I travelled an hour to get to a branch to execute a wire because it exceeded the online limit. Further, I was contacted by Chase to verify the transfer despite having executed it in person at a branch. After my confirmation, they said the wire was authorized/validated, before XXXX ( the wire cut-off time ) on Friday XX/XX/2022. At XXXX on Friday XX/XX/2022, I received an email from Chase stating that my wire was delayed and the recipient complained to me that they had not yet received the funds. This is simply unacceptable and Chase 's practices of withholding funds after transfer verification should be investigated.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX