23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

good morning. They closed the account, and didn't fund me my money to me. they then said there was no account. they keep on trying to give me run around.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 

Note : Company is not authorized to do business in Texas where my legal provided id is located And several companies have unauthorized inquires on my report.
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. 

XXXX5 U.S.C 1681 Section 602 A. states I have a right to my 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: Credit reporting or other personal consumer reports

I appreciate your attention to the removal of some fraudulent items from my file resulting from an alleged identity theft. However, there are still items remaining that require removal. This marks my third complaint as a victim of identity theft, and I am submitting to dispute these fraudulent entries in my file stemming from the criminal activity. The disputed items are unrelated to any transactions for the acquisition of goods, services, or money that I have either made or authorized. Kindly remove the reporting of these items from my credit file, as they result from an alleged identity theft. Enclosed in this communication is my recently filed FTC Report # XXXX. 
-- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX, LA XXXX. These items are unfamiliar to me, and the information provided on these entries has been deleted from other bureaus. I harbor doubts about their accuracy, and the reported history on these items remains a mystery to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind, and FCRA Section 605B ( a ) - Credit Reporting Agencies shall remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Student loan

I have been trying to find out information in regards to a joint consolidated student loan that happened back in XX/XX/XXXX when I was married and everyone that I have spoken with so far is not able to retrieve this information because of this dating back to XX/XX/XXXX. I would like to find out the status of this loan because it 's only showing in my name. The loan was through XXXX College and it shows that XXXX loan is paid in full but there is this loan that is under my name and I 'm not sure what this loan is. I would like for someone to give me a breakdown of all and any loans that are in my name and how this happened. Thanks in advance for the help that you can provide.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and noticed fraudulent accounts listed. Please remove these accounts from my report as they are negatively affecting my ability to obtain credit. I do not recognize or authorize these accounts.
Product: Debt collection

I am a victim of identity theft. I have never owned an account with SANTANDER CONSUMER USA. I did not give them authorization to report to my credit. Please DELETE from my credit report.They are demanding {$9500.00} placed for collection as Joint responsibility to me. They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were notified through XXXX, that XXXX/BMO Harris Bank NA has flagged our account as 180 Days Past Due on XX/XX/2021. 

This is in violation of the Forbearance Settlement Agreement ( page 4, line item 15 and past, regarding credit reporting ) currently in place, now current with 0 late payments with every payment made on time, as reported in all BMO and XXXX records, since the start of the agreement on XXXX XXXX, and agreed to and signed by both the lender and the borrowers. 

This is unduly devastating to the borrowers financial matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm to understand that XXXX XXXX XXXX operates Check N Go. 
I've been battling with Check N Go and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my XXXX  Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. Check N Go has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX states it is Check N Go that is reporting the inaccuracies, Check N Go changed their story while continuing to refuse to fix the issue. 
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.
Product: Mortgage

In XX/XX/XXXX I received a letter from Statebridge Company ( Lender ) requesting proof of property insurance for my home located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX - Loan Number XXXX. On XX/XX/XXXX I sent proof of insurance for said property, via fax, to the fax number provided by the lender ( XXXX ) Fax receipt shows successful transmission of 3 pages at XXXX and XXXX on XX/XX/XXXX.My home is and has always been insured under a group policy for the XXXX XXXX XXXX XXXX . XXXX through Insurance provider XXXX XXXX XXXX XXXX Policy Number : XXXX. 

Statebridge Company sent me my Mortgage Statement ( payment request ) for XX/XX/XXXX on XX/XX/XXXX, one day before the due date. The current mortgage statement shows an increase in monthly payment amount by 33 %. The statement shows an assessment for Forced Placed Insurance when there has never been a necessity, AT ANY TIME, for such insurance. Statebridge has also deposited my XX/XX/XXXX payment but has not credited said payment toward my account, claiming the payment is underfunded. This has caused Statebridge to impose late fees on my account.

I have researched this behavior by Statebridge Company and have found numerous complaints for such. This can not be considered a " error '' as the company 's history clearly indicates this to be a deliberate act of fraud and extortion.

I have, apparently, been assessed for property insurance that was and has been unnecessary. It appears this " Forced Placed Insurance '' scam is still alive and well within Statebridge Company 's practices.

I have copies of Insurance coverage ( past and present ) and fax receipts to prove my case. 

I look forward to the assistance of the CFPB in stopping this abuse. 


Very Sincerely, XXXX XXXX
Product: Debt collection

Contacted lexus nexus about a reoprt that was given to XXXX XXXX and then contacted about the wrong the wrong info submitted. They also went against the federal DOT laws put down by the FSCSMA for commercal drivers to correct the problem along with with noot providing the consumer with the reports given out that individual provided to an insurance company along with not providing the consuner after verifying that person as so anlong with by there there own procedures and the rights of the individual for a copy of said reports. Formal request ade to lexus nexus of all reports given to be sent to individual ( recodered and company was notified in orcdance to statues and laws followedas heard in recordings of phone calls and non willingness to follow consumer rights to provide such info ) has lead me to this course of action. Lexus nexus that reports DMV records has not reported the corect info and also has not only caused significant increase in insurance costs due to improper reporting even by there own admission they continue to dereguard federal FMCSA and individual rights. This company needs to be investigated in false reporting and activtivley violating FMSCA rules and regulations for commercial trucking industries. The abuse of power and the fact they can violate federal laws put down by the FMCSA needs to be investigated and set right. They should not nor be tolerated to interfere with federal law and cost of higher pricers to the comercial driver and the inteterferiance of commence as put forth by the FMCSA and the laws put down by the federal goverment. This problem needs to be addressed and our rights as individuals need to be protected even if we drive the big rigs. We are not cash cows. We work long hours and do not deserve higher rates due to improper reports and disregard to federal regulations put forth by the FMCSA. Recordings avalible of conversation upon request. Yes company was notified about recordings about conversation being recrded to agent and that we were being recroded adout the call being recorded for training purposes. This means both parties have recrdings. My question is can a reporting company get away with false reports just to rip off the customers and when they are confronted they are still allowed to get away with it? Lexus nexus makes us jump through hoops however they seem ( and get away with reporting true motor vehicle reports ) and nothing is done even with there own rules and guide lines. Time for you all to step up to the plate. What lexus nexus is reporting to the insurance company 's needs to better regulated.
Product: Prepaid card

I received a Vanilla Visa Gift card in the amount of {$100.00} as a gift and when I activated it and tried to use it, the card was declined on XX/XX/XXXX. I set a Pin for it and still was not able to use the card. I then found out the card was used at a XXXX store by another party and requested a replacement card on XX/XX/XXXX. I was told a replacement card would be sent to me within XXXX and still now on XX/XX/XXXX, I still have not received my replacement card. I spoke with XXXX XXXX today and I was given the same fake information of a replacement card would be sent. After XXXX phone calls and no replies to the numerous emails I have sent to XXXX I need help. 

Card # XXXX XXXX XXXX XXXX Security Code XXXX XXXX. CARDHOLDER INFORMATION XXXX XXXX XXXX XXXX Ticket/Case Number : XXXX Physical Address : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Contact Number : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Debt collection

I, XXXX XXXX XXXX, attempted to open a line of credit with a major credit company. I was told due to a mark on my credit report that I can not participate in such lines of credit. I checked my report through my bank, and saw a collection for the total of. XXXX $ on the date of XX/XX/2018. I never received a call, or a letter of verification or ability to dispute within 30 days. I was never informed of where this apparent debt was incurred, or how I could even potentially pay it off. 
This is a clear violation of the Federal Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that these items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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: Debt collection

Experian XXXX XXXX XXXX XX/XX/2020 {$1400.00} As stated in my previous dispute, XXXX XXXX XXXX is acting fraudulently with the consent of Experian in regards to my credit report. XXXX XXXX XXXX claims to have investigated and verified the alleged debt that I owe but according to The Fair Credit Reporting Act in Section 1681a ( e ) it clearly states that a legitimate investigation where any information regarding any consumer must be obtained through personal interviews with either myself ( the consumer ), neighbors, friends, or associates of the consumer. No such investigative actions have been taken by XXXX which is an illegal violation and false claim on their part. XXXX in response to my previous dispute has claimed and acknowledged that they are acting as a business associate ( which is a third party ) in an attempt to collect a debt which is also fraudulent. According to the Fair Credit Reporting Act If they can not provide evidence that they are the original creditor then they must cease all attempts at collecting the alleged debts. 15 us code 1692c also states that third party communication with a consumer in regards to collecting a debt is unlawful unless given prior consent by the consumer. XXXX claimed to have produced an itemized letter with a description of the charges being sought after, according to 15 us code 1681a 3 ( b ) there is a restriction in place to prevent from sharing medical information without the consumers consent even if there is an individualized list or description based on the payment transactions of the consumer for medical products or services. XXXX has also misspelled my name and addresses this debt to the wrong person in pursuit of the debt which falls under block of information as a result of identity theft according to US code 1681 c-2. Also, XXXX XXXX XXXX is indeed violating my XXXX rights as a consumer because although they may have fraudulently produced an itemized list with a description of the charges being sought after, they have failed to produce a copy of my XXXX transcript signed by me as the consumer and original creditor. This is a serious violation of The XXXX XXXX XXXX, several US privacy codes and fraudulent activity which can result in a hefty fine of up to {$10000.00} or more. As the original creditor and the consumer I would be within my rights to pursue litigation for every single violation named and unnamed in this dispute and to seek financial remedy for the unfair practices and abuse regarding my credit report. If all fraudulent collection attempted are not ceased then this will be the next course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ] XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account - Violation of FCRA Laws in South Carolina Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my credit profile that your agency has reported. I believe that these accounts are in violation of the Fair Credit Reporting Act ( FCRA ) laws in the state of South Carolina. I request that you investigate the matter and take appropriate actions to correct these inaccuracies and violations. 
Repossession Dispute : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

According to the FCRA, all information reported to credit bureaus must be fair, accurate, and substantiated. I request that you provide me with detailed documentation regarding the repossession, including : Documentation showing the repossession process adhered to all legal requirements and notice provisions as mandated by South Carolina law. 
15USC6802a 15USC6802b 15USC6802c 15USC6092c ( c ) I would also like to bring your attention to the fact that the FCRA requires collection agencies to inform consumers about their rights to dispute inaccurate information. I request that you provide me with the following : Written confirmation that you have initiated an investigation into the accuracy of the repossession account. 
A copy of the results of your investigation once it is complete. 
If the repossession is found to be inaccurate or unverifiable, please provide written confirmation that the account will be removed from my credit reports.
Product: Vehicle loan or lease

Fell behind on payments, and they took the car without notice of repossession, they charged off my loan to a third party company. My indenture trustee did not help manage anything. My right according to the The Trust Indenture Act ( TIA ) of 1939 was violated.
Product: Money transfer, virtual currency, or money service

I submitted a wire transfer for {$12000.00} to my XXXX account on XXXX/XXXX/XXXX. XXXX is the exchange operated by Coinbase , Inc . The XXXX website states that " wire transfers submitted by XXXX PT may be credited to your account on the same business day. Otherwise, funds will be available after one business day. '' The sending bank has confirmed that the funds were received, however as of writing this 6 days later, I can not access the funds through my XXXX/Coinbase account, and Coinbase has been unresponsive to my multiple requests for updates/customer support. 

I have the federal reference number, sending/receiving account numbers and other information to ID the transaction if necessary. Apparently I am not the only one experiencing problems with Coinbase wire transactions, see this thread from their customer support forum : https : XXXX Thanks in advance for any help in resolving this issue.
Product: Student loan

ECMC became the servicer of my student loans after, I unfortunately defaulted on my loans, which I am not able to understand, as I did not XXXX, yet someone received monies for studies in did not complete. Initially, XXXX was the collection agency " servicing " the loan, but after I became eligible for the income based program through XXXX, XXXX removed the accounts from my credit reports, however ECMC refuses to remove the negative items, but showing a XXXX balnce, but still reporting negatively, even after I have asked them more than once to remove them. These items are affecting my life hugely in a very negatively profound manner
Product: Checking or savings account

In relation to complaint ID number : XXXX. 

I am submitting additional evidence and clarification to my initial complaint regarding USAA Federal Savings Banks resequencing of debit transactions. Their practices have manipulated my account balances, creating conditions that could lead to overdraft fees. 

Detailed Evidence of Resequencing 1. Payment Timeline on XX/XX/XXXX : Initial Balance : {$1700.00} ( paycheck deposit of {$1400.00} ). 
Transactions Chronologically Made on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX Transaction from XX/XX/XXXX : This {$33.00} transaction was pending and repeatedly deducted at various points, artificially reducing my balance multiple times during the day. For example : After the XXXX payment, the XXXX transaction appeared to lower my balance to {$1600.00}. 
After the XXXX XXXX payment, the same {$33.00} was deducted again, lowering my balance to {$1300.00}. 
This pattern continued multiple times, further confusing my balances. 
3. Resequencing on XX/XX/XXXX : The next day, transactions were rearranged, placing larger amounts like the {$650.00} XXXX purchase at the top. This artificially reduced my balance to {$240.00}, followed by XXXX at {$110.00}, XXXX XXXX at {$94.00}, and so on. 
This resequencing disproportionately lowered my balances, creating opportunities for overdraft fees. 

Violation of Consumer Protection Laws USAAs resequencing practices appear to violate : 1. Electronic Fund Transfer Act ( EFTA ) : Protects consumers from deceptive practices related to electronic transactions. 
2. Dodd-Frank Act : Prohibits unfair, deceptive, and abusive practices. 
3. Truth in Savings Act ( TISA ) : Requires accurate disclosure of how transactions affect account balances. 

These practices are deceptive and harmful, manipulating balances to create overdraft conditions.
Product: Credit reporting or other personal consumer reports

Delete from XXXX, XXXX and Equifax
Product: Credit reporting or other personal consumer reports

Transunion has allowed 2 mortgages to be taken out in my name for {$300000.00} open on my report now and was opened on XX/XX/XXXXXXXX  this one was still allowed after I made 7 or more complaint by phone and cpfb about the first one. # XXXX XX/XX/XXXXXXXX  for {$260000.00} is close as of now from XXXX XXXX XXXX  as well as student loans thats over {$110000.00} that equals up to {$680000.00} this was been the biggest hard ship, mental and emotional distress of my life and havent been able to do anything because of it I have called transunion at least 20 times about this matter and they act like that dont even care I have sent in my STATE ID social Security card and proof off address and they still are allowing this to take place.this is a violation of many federal law that transunion need to be held accountable for I also made a report to FTC