23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice from XXXX XXXX that I still had an outstanding medical balance, so I sent a check for the full outstanding amount on XX/XX/2019. 
On XX/XX/2019, the amount of the check was taken out of my checking account. 
On XX/XX/2019, Credit Collection Services USA generated a letter saying that my account had been sent to collections. The outstanding debt they listed was the same as that which had been taken out of my account 7 days prior.
Product: Debt collection

It shows an account was open on my behalf on XX/XX/year> and an outstanding balance of {$450.00} is being owed. I NEVER received a card nor made a purchase I have also included a identity theft report Ive created
Product: Credit reporting or other personal consumer reports

On my TransUnion report I disputed a account called XXXX XXXX XXXX i dont have knowledge of this account. TransUnion verification status was updated and said it meets fca requirements. This is wrong it should be deleted.
Product: Student loan

I payed navient {$2000.00} ( in 2014 ) to make a one time payment to pay off my {$1500.00} student loan. They refused to process it this way, despite there being a letter included that stipulated that the funds were to be applied to the principal. They instead directed it to pay off only {$50.00} per month which only payed the interest. I now owe over {$1800.00} on this loan, and am seeking a lawyer to sue for predatory lending practices. I want to know why my rights to pay off this loan were violated. I have repeatedly requested my ledure, information on why they refused to process my payment as requested, and why I was not allowed to pay more than {$50.00} per month. They always say they'll send me the information, then I never hear from them again, each time I call they do this to me. I am XXXX, and dealing with XXXX XXXX, I do not have time to play games, they have taken my almost perfect credit score, and trashed it. I can not imagine that any of this is even legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain credit and was told about an auto loan with Credit Acceptance Corporation that was delinquent and in repossession that appeared on my credit report. I know nothing of this company and never made an auto loan in the amount of {$16000.00}. I live in XXXX XXXX and never made an auto loan purchase in XXXX I disputed this with the credit bureau, and it still appears on my credit report as a repossession with {$13000.00} still owed. I am not satisfied with the outcome and the Credit Bureau nor the fact that all the say is that it's dismissed. Someone used my information to get an automobile and I want this corrected the proper way because it has dropped my score tremendously from what it was previously. Info below that I got from my report. 
Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX Department XXXX, MI XXXX ( XXXX ) XXXX Opened XX/XX/XXXX In repossession last paid XX/XX/XXXX closed XX/XX/XXXX
Product: Debt collection

A XXXX called my employer on or about XX/XX/year> trying to get into contact with me. Would not give any information other than XXXX. I did internet search of number that yielded no results company name XXXX, but seemed to have people complaining about the We have a file on you and we need your statement for the record..
Product: Debt collection

They was helping me with my credit but my credit was still the same just was taken few payments and its been a while since this happen I end up taken my card off so they can stop taken money off I was thinkin it was a rip off it sound good but I never seen no differents at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to dispute hard inquiries on my report they told me they can't remove them. Called Capital One personally they said they couldn't remove them either. Stating under federal law they have permissible purpose to furnish this on my report but can't remove it. This is hurting my credit worthiness. I spoke to XXXX no last name was provided. Also spoke to XXXX at Capital One badge number 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 and the signature from an employee from Credit Collection Services 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 {$16.00}. I reached out to XXXX XXXX and asked do they sell debt they stated no ( I'm well aware of my HIPPA laws ). I could sue Credit Collection Services for violating HIPPA laws. Credit Collection Services has violated multiple HIPPA laws and I have my lawyer on hand to sue Credit Collection Services for the violations of my medical rights. Also their information has not been reviewed by a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections on Experian, XXXX and XXXX XXXXhat do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}
Product: Credit card or prepaid card

Barclaycard is denying me from accessing my financial data using a 3rd party financial institution - XXXX. I had no issue accessing and loading my financial data from all of my other credit card and bank accounts. XXXX allows me to analyze my spending/payments, plan my financial path and make appropriate fiscal decisions. Without access to my Barclaycard financial data, I can not perform these tasks having complete information. I dont believe this is right for them to block access to my financial data.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Banco Popular by phone and email for the payoff amount of my vehicle loan and the following day received the balance valid until XX/XX/XXXX. On XX/XX/XXXX, the full payment was submitted through their website and I informed the bank 's auto department about the final payment. Payment was confirmed and termination was in process. 

On XX/XX/XXXX, AutoPay submitted another monthly payment. I called customer service to have them cancel the AutoPay and requested a refund of the extra payment made by their system as their website does not allow customers to cancel such service. 

On XX/XX/XXXX, I went to the Popular Auto XXXX XXXX branch to collect my vehicle registration renewal that I had to pay even though they have not provided me the title of the vehicle. During my visit, I reiterated about getting a refund for the extra monthly payment taken from my bank account. 

As of XX/XX/XXXX, I have not received the title of my vehicle neither the refund of the payment. The refund should not be taking over 2 months to receive. In 2021, I still receive letters from Popular Auto requesting my insurance policy even though the vehicle loan has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  keeps reporting this information on my credit report even though I have disputed this account has not being mine and the creditor has no documentation to proof that it's mine. 

One account on your report shows past due and could use your attention. 
Total open balances {$140.00} How did we get this info? 


Credit Cards {$0.00} Collections {$140.00} Student Loans {$0.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} COLLECTIONS {$140.00} Reported balance XXXX XXXX   XXXX {$140.00} Needs attention
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX XX/XX/2023 Notice to Correct Credit Report 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 U.S.C. 1681. 

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 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 I am writing to dispute incorrect information in my credit profile, which you furnished to credit reporting agencies. I am not happy with the way your company is handling my consumer report. I have disputed and reached out numerous times with no resolution. I was trying to get an apartment and realized I had damages on my credit report. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy, there should not be any damages on my report. It is defamation to my character and is fraudulent. These items must be removed due to the fact that the incorrect information that is being reported is hindering me from succeeding in society. If items are not deleted IMMEDIATELY I will continue to pursue the matter and contact my states local Attorney Office.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I have a Counbase account which I use to trade crypto currency. I made a sale on XXXX XXXX and then bought back some more XXXX  but this was put into my XXXX  vault without me authorising this. I tried to get this moved to my XXXX wallet from my ethereum vault but it requires a secondary email verification which I no longer have access to. I contacted coinbase support on XXXX XXXX and had no reply. I then re contacted them on XXXX and XXXX via there support page and on social media. I then was asked to verify my account using my driving license and face recognition on Sunday XXXX XXXX which I did at XXXX. I have since tried to contact coinbase to find out what is happening again and no reply until Wednesday XXXX XXXX saying wait 5 days. It has now been the 5 days and I have had no reply from coinbase and currently losing money on trading upwards of 150. Please could you look into this lack of customer support with my own money
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach After my identity was stolen.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information on my consumer report.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re investigated. 

XXXX XXXX Account # XXXX- This account is reporting incorrect Open Date, Incorrect high credit limit, Incorrect Last reporting date, Incorrect date last active, Incorrect date of last payment. 

XXXX XXXX Account # XXXX This Account is reporting incorrect Open Date, Incorrect Account Number, Incorrect Date Last Active. 

XXXX XXXX XXXX  Account # XXXX This Account is reporting incorrect Open Date, Incorrect date last active.

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Debt collection

They called me for a year straight last call was XX/XX/19 rep told me they werent gon na leave me alone because its attached to my name and they have a right to Harass me. I told them that account is not mine but theyre trying to force me to make a settlement for something thats not mine. This was removed from my credit report and a year later they put it back. I told them over and over this is not mine.
Product: Credit reporting or other personal consumer reports

I checked my credit report XX/XX/XXXX and this company reported false information. 

Ive been on a forbearance plan since XX/XX/XXXX. I paid the mortgage in XXXX and half the mortgage in XXXX in spite of the fact I was on a forbearance plan. This company reported in XXXX I was 60days past due which is not only inaccurate it goes against being in a forbearance plan. Then when I asked for an extension throughout XXXX several times due to the home still being under construction the company has ignored me and given me countless vague answers when I request an extension. Still not giving me an answer as of today. Still reflecting Im past due. Ive paid my mortgage for a year never missing a payment. A disaster hits and the company portrays to assist you. They claim theres programs but never give you the information online or when you call. Once I was on the forbearance plan I was called every day and a notice was put on my door. This company is conducting illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Family of XXXX XXXX Trustee of the Social Security Cestui que XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Chief XXXX XXXX of Corporation TD BANK USA NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Account ending in XXXX Company 's Response : We sent an update to the credit bureaus and the attached letter, with copy of prior response ( enclosures omitted ), was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : Im writing to confirm weve received the second complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) about how the above-referenced Nordstrom credit card account is reporting to the credit bureaus. Thanks for bringing your concerns to our attention and giving us the opportunity to respond. As shared in our XX/XX/XXXX, letter response to the initial complaint you submitted, we did find that the account was reporting inaccurately to the three major credit bureaus ( XXXX, XXXX and XXXX ), and have corrected this by requesting that the credit bureaus update their reporting to reflect that the account was paid in full and charged off as of XX/XX/XXXX. Please note that our request to the credit bureaus was made XX/XX/XXXX, and this update could take up to 30 days to process. Weve enclosed a copy of our response to your previous complaint for your reference. Should you have any questions, dont hesitate in reaching out to us at XXXX. 

This account needs a XXXX adjustment/Deletion of account from XXXX ( XXXX, XXXX and XXXX ) XXXX You have inaccurately reported and laid false claim against my name. This needs to be deleted as requested as you did not address this in my last complaint. This needs to be addressed still. When you respond address this issue and only this issue. On top of you negligently reporting incorrectly you have also reported on something that you have claimed a loss on and therefore needs to be deleted. You are not permitted to report or continue to report if you have claimed this amount as a tax write off as a loss. You have been paid.Not only have you been paid, but you are also requesting more money and double dipping on the money you received. XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX states that all debt public and private are paid for. There is no debt
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX  and XXXX completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation  summaries are attached.experian came back certified that they are mine.both XXXX  and XXXX verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.
Product: Credit card

us bank decided to cancel the " last night free award '' benifit from this credit card account, which is the main selling point of this card, as well as the main reason that i am paying the annual fee for. A huge change of benifit with a such short time notice seems a marketing fraud to me.
Product: Credit reporting or other personal consumer reports

In the results of your Previous investigations, you stated in your CFPB Response that you verified that these items are being reported correctly? That the Inquiries were factual?? Your refusal to delete UNVERIFIED information from my consumer file, and show me written consent that these Inquiries are mine FACTUAL DATA, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED Inquries listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously and or previous CFPB COMPLAINTS will also become part of a formal complaint to the Federal Trade Commission. I have attached a IDENITY THEFT REPORT WITH THE FTC ATTACHED HERE TODAY, which will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests and a CFPB REPORT, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).? FACTUAL DATA, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Again these Inquries are not mine, I am unfamiliar with them and do not and have not conducted any business with these increase. I demand that you remove them at once.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment with the persistent failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my continued efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

This correspondence marks my sixth and final attempt to seek redressal for the unresolved fraudulent charges on my account. It is unacceptable that after multiple rounds of communication and escalating complaints, the issue remains unresolved, leaving me in a state of continued vulnerability and financial strain. 

The persistent presence of fraudulent charges on my account not only undermines my confidence in your organization 's ability to protect its customers but also reflects poorly on your commitment to addressing fraudulent activity promptly and effectively. 

Failure to address this complaint satisfactorily will leave me with no recourse but to pursue alternative avenues for resolution, including seeking assistance from regulatory authorities and legal counsel. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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