23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX We requested to have XXXX accounts merged into a Payment Plan. We made payments on this plan from XX/XX/XXXX to XXXX XXXX ( XXXX payments ). At the time of this agreement we were informed that we would receive a monthly statement with a payment slip that we returned with the payment and the statement had a running balance of our XXXX accounts and the amount of payment we had agreed upon. The XXXX XXXX XXXX XXXX running balance of our account matched our records of payments made until XX/XX/XXXX. Then in XX/XX/XXXX when we received what we thought was our monthly statement, instead we received a new bill with a different amount. We contacted the XXXX XXXX XXXX XXXX billing department to get copy of our Payment Plan Agreement and the history of our payments made. Since XX/XX/XXXX until today we have not been able to get this information. From the beginning of this process we were concerned that we would be turned over to a collection agency. However despite repeated assurances from XXXX billing department that we would resolve the issue, we have now been turned over to a collection agency. If you would be able to assist us in this matter we would appreciate any help. 
Thanks, XXXX XXXX
Product: Credit reporting

all XXXX credit report companies are stating on my reports that these companies are telling them i had lost or stolen cards and identityt theft which is not true or accurate. 
XXXX and XXXX cards are filing stuff on my report that i had lost or stolen cards and that i had identity theft and i have not ever had such a problem. they have cancelled the cards out now because im pisted off they keep adding stuff to my report that is not true or accurate i have called them several times and all XXXX credit report companies as well. i had top excellent credit a few months ago now it went down and i cant even get a credit card now when i apply cause of them putting this on my report and XXXX of my other credit card companies have also cancelled out my cards as well like XXXX card and another card i had. they said until this is taken off my report my credit is bad now cant get approved for no cards or loans and they wont give my credit cards back until its taken off. i need this taken off so my credit goes back to excellent again its bad right now cause of this companies putting stuff on my credit reports and now i cant even get approved for a new credit card since they did this this last month. please help me get this off my report the XXXX and XXXX cards info about lost or stolen cards info and dont allow them to report more bad things on it, i really want my credit to be excellent but credit report companies are destroying it as well as XXXX reporting it on my credit reports and i want it fixed asap. so i can get my XXXX card back and my other credit card and i want to apply for loan but i cant even do that as of right now cause of this fraud alert and lost or stolen cards they have put on my report. just the info taken off about stolen or lost cards or fraud alert or identity taken off, let me know. the XXXX XXXX and XXXX cards they closed themselves because they saw this on my report as well, so their own company cancelled me out cause they put this on my report themselves XXXX but they are accusing credit reporting companies for doing this so i dont know if credit reports are causing teh issues or XXXX but i want it off immediately cause its inaccurate information.
Product: Checking or savings account

Recently XXXX XX/XX/XXXX ) I discovered ( as a result of trying to log into my account XXXX my Chime account had been suspended. When I inquired about the issue I was given a vague " unusual activity '' reason and said they needed to verify my identity. They asked me to provide a pic of my license and a 2nd form of ID ( I opted for passport ). THEN, they responded and asked me to also provide a picture of the back of the license and a clearer pic of the passport, which I did. THEN, they responded and asked me to provide a picture of me holding my passport, which I found highly unorthodox and very suspicious. I find it very strange that each time I provide the information that they request, that they request more. I've even provided a document with my address on it, which is one of the items listed as an acceptable 2nd form of ID. They still asked for a picture of me holding my passport! I called on XX/XX/XXXX and was told the issue was being escalated so I could get some more specific answers to why my account was suspended, but I have not heard back. I've sent a couple emails asking for the status of the escalation, but both times received the response telling me I need to send a picture of me holding my passport. I've asked them several times to provide some detail on why my account was suspended, but they have flat out refused.
Product: Vehicle loan or lease

My XXXX has been for years being a 2013 XXXX XXXX XXXX. I was advised by The California Department of Vehicles that the paperwork should have been sent to them as soon as the last payment was posted. I now live in XXXX  and they sent me a notarized document that The Arizona Department Of Motor Vehicles will not accept. They want a Pink Slip that shows as paid in full and that the lien has been removed. This has been going on for months and resulted in non operation of my vehicle.
Product: Debt collection

XX/XX/XXXX XXXXI have informed debt management collection company that this is an identity theft issue and I am not sure who has taken my identity and to remove any information such as family members phone numbers until this matter is investigated and they are harassing me and my family members by calling multiple times a day and leaving messages with my family members and they are not aware of what is going on.
Product: Student loan

XX/XX/2019 received Debt statement from US DEPT OF EDUCATION. Stated that they hold the defaulted student loan and balance was now due. Letter shows original amount of {$1900.00} & {$3500.00}. Never knew these loans existed. Never had a Loan Servicer assigned to me. Never received correspondence regarding this loan was active. Now, received letter from collection agency XXXX XXXX XXXX XXXX stating balance owed is now {$6900.00}. What would be my next action step since none of these firms advised me of what was due. Never received billing statement, never knew these even existed. 
Rules were not followed to support these Federal Loans. What are my options?
Product: Money transfer, virtual currency, or money service

Requested {$30000.00}. from my Lincoln Financial Group XXXX XXXX account XXXX a routine qualified distribution ). {$30000.00} was removed from my account on XX/XX/XXXX. No funds were deposited into my personal account. Numerous phone calls to the service center received the same responses '' there was a problem on XXXX 's side its being corrected and is in process '' Was never notified that there was a problem until I called. No written, emailed, phone contact was received by me. Funds remain missing from my account after XXXX weeks. No accounting for missing interest on that money, no accounting as to why funds were removed and not deposited into my bank.
Product: Credit reporting or other personal consumer reports

I am adding artifacts to support current and open complaint, please add the uploaded items thanks! 

The Artifacts added, support my claim that CSRS Inc. has circumvented guidelines for fair credit reporting. 
XXXX. ) XXXX XXXX is not credit lending organization, but is an Information Technology Company, which should not be listed on my trade-line Period. 
2. ) Due the unethical and lawlessness practices, of unfair reporting, by CSRS Inc. it has significantly impacted my XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX ) I disputed the trade-line and bogus account immediately upon its existence with the credit bureaus and CSRS Inc. responded back that it was in fact an accurate account, knowingly and wittingly with malice intent to destroy my credit worthiness!!! 

Note : Please add theses artifacts to existing complaint XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX XXXX has a late payment, XXXX XXXX HAS a late fee and XXXX XXXX XXXX and I set them the laws XXXX XXXX XXXX XXXX ( XXXX ) A creditor can not treat a payment on a credit card account under an open and consumer credit plans late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX of this title is mailed XXXX XXXX XXXX XXXX A creditor XXXX not treat a payment on a credit card account under an open end consumer credit as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXXXXXX XXXX XXXX XXXX of this title is mailed not later the XXXX days before the payment
Product: Money transfer, virtual currency, or money service

I created a account on coinbase to purchase bitcoin on XX/XX/XXXX and was unaware that there was a designated time period to withdrawal funds. I contacted coinbase support explaining the misunderstanding and ask if I could have a refund of my money, they replied that I had to wait to the specific date set by their security feature. 

I have contact them again today my funds are suppose to be available according to there system. I was not giving any reason to why my funds are not available when the withdrawal date is XX/XX/XXXX which is today. 

I am highly frustrated that they are holding my money without my permission. I have asked several times to have my funds made available. 

They don't have customer service available to call and speak to them only if your account has been compromised. This is very unprofessional and unethical, when you are responsible for people 's money you should have a live representative to speak too.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity and information was exposed during the XXXX  XXXX breach therefore this account was opened fraudulently without my knowledge so now its showing negative marks on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted both XXXX XXXX and Equifax regarding several inquiries that are reporting on my reports respectively that were not made by me. I have mailed in disputes and spoken to each credit reporting agency several times over the phone and I am unable to get any form of remedy from those efforts. 

I have also filed the FTC fraud report as instructed and sent that in as well and they are still reporting. This is a violation of the fair credit reporting act. I need these removed immediately as they are a defamation and misrepresentation of myself and or affecting my credit worthiness causing me actual monetary damage in the form of denials and also higher interest rates. 

Listed below are the inquiries I am referring to, listed XXXX credit reporting agency. Please note that not all of these are included on the FTC report as some of them have occurred after the report was made. 

EQUIFAX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Someone took my name and ss # and got edd with my information and credit cards in my name phones and all kinds of other things
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Medical Data Systems is reporting an alleged debt on my consumer report without my written consent to do so. 

The reported information is a violation of the Health Insurance Portability and Accountability Act of 1996 also known as HIPPA. 

The FCRA has affordable me the informed consumer the right to privacy and Medical Data Systems has violated that right by reporting protected information on my consumer report.
Product: Vehicle loan or lease

The total amount due on my BMW Financial Services account is XXXX, which includes a past due amount for the month of XX/XX/XXXX. I spoke with a XXXX XXXX  on XX/XX/XXXX, she advised me I could use an insurance check from XXXX  to apply to my account as payment. This check is payment for minor damage to the vehicle. Check was received yesterday, XX/XX/XXXX in the amount of XXXX. It is made out to myself and BMW Financial Services, it was mailed out today,XX/XX/XXXX, sent to the address provided in XXXX  's email. The check number is XXXX, sent to BMW Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX. I believe there is a notice of default on the account, however, I do not have the notice as I have not received it as of yet. Please advise BMW Financial Services the payment is in the mail, sent out today. In case there is an error in processing or delay in receiving, please request additional time to allow payment to post. I have a copy of XXXX  's email with instructions to send if its needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I am a victim of identity theft. The following account and inquiries are authorized and fraudulent : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX
Product: Vehicle loan or lease

My payment was going to card on file services after I lost my job during XXXX for some reason. I purchased a XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX. They did not properly credit my trade in of {$8000.00} for my XXXX XXXX or transfer the trade in out of my name. I just recently did that myself. After the issues with my payments going to the card on file instead of Capital One, I found out the data breach had allegedly covered my loan. While I was not home in XXXX, my car was repossessed by XXXX XXXX, and I had a laptop, a phone, cash, and financial documents including my social security card and bank statements in the car. I was told that I could not get my property and the sheriffs office will not show me the repossession documents they allegedly were given by XXXX. I then started getting threatened by Capital One agents, seriously threatened, because I owe on the car after it was repossessed, but I was trying to pay my payments and get my car back. It was towed in park and no key. XXXX wants me to pay the auction balance. I dont even know who to pay. I had the original loan documents IN THE CAR with my registration paperwork. I also went to the XXXX, and they said I surrendered the car and transferred it to someone else but they can not tell me who i transferred it to. That makes NO sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already removed XXXX XXXX on my consumer report but Experian failed to do so. This is a follow up dispute to both Experian and XXXX XXXX to remove the Accont off of my consumer report or i will sue for furnishing inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  and Equifax million times. I just want them to delete the disputes I filed months ago and they just updated for me. Every time I call they ask me If I want to apply to a mortgage loan and they do like an interview. I just want to fix my credit. I started to make settlements and payments to my credit cards and I just want them to delete the disputes so yes my credit finally can get better. Of course I want to have a house, I want to have a life and it looked like they don't want to help me. I was a XXXX XXXX XXXX an I can prove that and at the end of school my financial situation got really bad. I was doing clinical rotations I didn't work for a while because I couldn't. Now I am a professional, I want fix things and Equifax and XXXX don't want to help me.
Product: Payday loan, title loan, or personal loan

My loan balance was paid in full and should be reported to all 3 credit bureau 's.
Product: Credit reporting or other personal consumer reports

XXXX asked all XXXX credit bureaus to all inquiries from my credit report because I did not give any written authorization for any company to run my credit report list above. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I have a right to privacy under the FCRA Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerours letters to the bureaus and usually there is no response. I did receive something stating that items were verified. I have sent another letter like the burueas asked me to do to get this inaccurate information off of my report. I also wanted to know how this information was verified because none of the creditors were able to furnish me with the information. It seems if I owe a debt they would send me proof but for some reason they don't have it. I would like this negative information remove from my credit ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

I HAVE MAILED IN LETTERS TO XXXX, XXXX AND TRANSUNION ON XX/XX/XXXX ASKING TO REMOVE ALLEGED DEBT REPORTING ON MY CREDIT REPORT. IT HAS BEEN OVER 30 DAYS AND THEY HAVE FAILED TO DO SO WHICH IS A VIOLATION OF MY RIGHTS
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and collections accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate collections and inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX