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

I have previously disputed and made XXXX XXXX, Experian, XXXX XXXX, XXXX aware that they are all violating my federally protected consumer rights. They are willful and complicit in the agressive violations of my rights. They are clearly non- compliant to the consumer laws I am being damaged in multiple ways. 
1. Defamation of Character ( per se ) 2. Negligent Non Compliance 3. Civil Liability 4. XXXX XXXX XXXX. Fair Credit Reporting Act 15 USC 1681violation for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] As you can see from the documents that I have attached to this complaint the violations of rights that I advised them of was not corrected as advised. The issue is that the balance of the card is being reported the balance should report as XXXX or XXXX to be compliant. As you will notice I have made notes to experians results of the dispute that I previously made about the violations that You ( CFPB ) are now complicit in, about updates made to my Consumer Report. Which did not correct the violations which are still active on this updated Consumer Report. I will be seeking damages as advised by FCRA. 

I recently received a copy of my ( Experian, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised XXXX XXXX of the violations that I noticed on my Experian, XXXX XXXX, XXXX XXXX reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXXXXXX XXXX XXXXXXXX XXXX XXXX The lines of credit I have with XXXX XXXX, which is characterized as utilization on my consumer reports. THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX Credit Card XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX XXXX ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( XXXX XXXX ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. I am making this complaint for XXXX XXXX willful violations and non-compliance. Please assist in helping me get remedy for my consumer rights. Thank you in advanc
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX Amount : {$29000.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting

I have reported this item to the equifax 16 times this time this calendar year. Each time they are citing there has been an investigation, this account was 'verified as belonging to you ( me ), and no removal of a fraud account in the name XXXX ( XXXX ) has been made. I sent copies of my police and arrest reports showing the fraud account number, address, and company information. On my credit report it is listed XXXX. This is a subsidiary to a company called XXXX. The account was opened in XXXX Arkansas. XXXX 's company headquarters is based in Louisiana XXXX XXXX XXXX, XXXX, LA XXXX but the contact number listed as the company 's resolution contact for question post-investigation is a personal landline number that has no affiliation with any business or conglomerate. I 've sent both the victimized debtor and Equifax via USPS mail, Fax, and online upload submissions of the police investigation And arrest reports and both are aware of details of legally upheld claim of identity theft and the arrests made due to these accounts. I have made many failed attempts at resubmission of the same disputes regarding these fraud accounts with the credit company, Equifax, to resolve the quandary and each time being met with stonewalling and returning to the same unfounded results. XXXX and/or XXXX are the same entity. The account number is verbatim the same which is referenced as an identity fraud account in the police report. Equifax has stated this will remain on my credit report because it was ineptly verified by Equifax with the company that was also victimized by the actions of the offending parties of which the account genuinely belongs to. I have provided the credit agency with documented evidence of these fraud accounts with the same account numbers, charge off balance amounts, and business addresses.
Product: Money transfer, virtual currency, or money service

Coinbase did not forward my proceeds from a sale to my linked XXXX account as agreed. 

They stated they had technical difficulties I only received automated responses. 

Attempted 8 times with no resolution Contacted XXXX they stated no transfer was ever attempted by Coinbase Many Coinbase users are now starting to complain on forums like XXXX with same exact issue on this date XX/XX/2021. Not certain if actual amount of people in could very well be in the hundreds of Coinbase users. 

Although my amount is small {$100.00} There are complaints by some claiming they have lost thousands of dollars.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I employed XXXX XXXX XXXX in XXXX, MT to repair my car. The bill for the repairs was approximately {$8000.00}. The company informed me that I could obtain financing for the repairs through Koalafi which fronts for the XXXX XXXX XXXX. It was stated that if I paid off the {$8000.00} loan by the end of the promotional period, I would owe no interest. The promotional period ended on XX/XX/XXXX. I paid off the complete {$8000.00} loan by XX/XX/XXXX. Instead of closing the account, they added {$1800.00} in interest to my account.
Product: Debt collection

I asked for the original signed documents they verbally told me they dont have the documents so by law why is the debt collector trying to collect a debt. I also contacted the credit bureaus they said they dont have the Original documents or havent seen them so how can they verify something as accurate & left on my report. Also saying they cant remove anything off my credit file but they can leave things on there without the proper information?
Product: Credit reporting or other personal consumer reports

Did not give permission for Hard inquiry. Please remove now. 

BK OF AMER Inquired on XX/XX/2022 XXXX
Product: Debt collection

I receive several calls regularly from XXXX stating they are calling from Receivables Outsourcing LLC. The message states that it is a communication from a debt collector and to call XXXX. I have no knowledge of this company and I should not be able to be contacted via phone per an identity theft investigation. 

They have called a total of 8 times in XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against Coinbase regarding unauthorized charges made to my account. 

On XX/XX/year>, Coinbase 's records show that I allegedly signed up for a Coinbase One free trial. However, I never initiated or authorized such a trial. Subsequently, I was charged {$29.00} per month for two months of this " service, '' despite never consenting to or using it. I discovered these charges today, XX/XX/year>, after reviewing my bank account. 

There are numerous online complaints from other users reporting similar issues, suggesting a systemic problem with Coinbase 's practices. No agreement or terms of service were provided to me, and the subscription appears to have been added to my account without my consent. 

I am requesting a full refund of both charges ( {$59.00} ) and for Coinbase to address this issue to prevent further unauthorized enrollments and charges. 

I would appreciate your assistance in resolving this matter promptly. Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle from XXXX, come to find out the hood had no way of being opened the car jerked something terribly and the radio didnt work either. I bought the car three months and only driven it twice and its been with XXXX since. My radio was changed without me even being aware of it and within the three months theyve had Ive gotten no call email or messages in regards to my car and what changes they were making. Its also super frustrating because the key selling points on the car were changed and upon them telling me my car was ready they just wanted me to take what they were giving. They changed my radio from the original to an after marker that didnt come with XXXX backup camera was awful and now I have to speak through a mic that they put in but it wasnt what I paid for and now Ive made two payments and havent driven it and now Ive been without my car. 
Moral of the story I bought a car that features were sold with it that were later taken away without being brought to my attention. I had no say so and was basically suppose to be happy with the changes but is actually the complete opposite. I am disappointed in the fact that Ive made two payments and paying car insurance on something that I am not even using or happy with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX : {$74000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} FA XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68000.00}
Product: Student loan

I was misled by the university XXXX XXXX XXXX XXXX XXXX XXXX when they led me to believe that I would be able to earn a livable income given the amount of debt I was taking on. I graduated from XXXX XXXX XXXX XXXX with {$130000.00} in student loan debt. As of today, I have {$130000.00} in student loan debt - nearly 20 years later, despite making reasonable regular payments. My loans were shifted to numerous services, mostly recently Navient. I spoke repeatedly with Navient about reducing my monthly payment of {$950.00} ( XXXX my monthly rent ) only to be told there were no other options available to me.
Product: Credit reporting

Criminal record for XXXX in Texas is listed on my consumer report. This is for a male. I am a female and have never been to XXXX. I 'm not sure if this person hacked my information but I have seen this show up on my account for a male with all my information and I am a female from XXXX, XXXX.
Product: Credit card or prepaid card

I have had a Home Depot credit card for several years. They automatically add promotional offers to any and all purchases including small purchases of about {$11.00} and {$26.00}. They did this without me agreeing to the promotional period of no interest. Unless I paid the card off in full they added over 50 percent interest after 2 years. They added a promotion to all my purchases resulting in this very steep interest rate being applied. The offers they send out even say must be applied to a large purchase. Apparently {$11.00} is large. They threaded me with {$2000.00} of interest unless I paid my balance in full. At that time {$2000.00} was higher than my running balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a business loan with Wells Fargo in which I have been a customer for over XXXX. Wells Fargo has XXXX of my business checking accounts in which they refuse to loan when I receive an adequate amount of income on each account. This has caused issues with me believing this company discriminates based on their own personal reasons. Wells Fargo should loan based on credit worthiness and income. But they denied my loan stating I dont have enough credit history of installment loans. Which sounds very unconvincing because I actually have XXXX installment loans and I have never been late on any of my payments with any account ever. I currently am asking for a line of credit and they denied the credit and told me they would open a case and get back to me. Currently awaiting the process and the excuses of why they choose not to provide a loan to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting 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 XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

There is an inquiry for XXXX XXXX XXXX on my equifax report that was made on XX/XX/XXXX ; I have phoned equifax in XX/XX/XXXX and a few others was removed but not that particular inquiry I expressed my concern about ; I have sent 3 rounds of letters since then all 45 days apart with my ID, social, police report and identity theft report and still no luck removing that single inquiry ; I wrote XXXX requesting information on the application with no response ; I asked Equifax to send proof of the inquiry only received letter refused to remove that inquiry
Product: Payday loan, title loan, or personal loan

We paid off 2 car loans with XXXX XXXX located in Texas. One was paid off in XXXX and the other in XXXX. We did not receive our released car title in either case. When I called them I was told that the titles had been mailed out however I have yet to receive either one. They refused to obtain a copy of the vehicle title or to reimburse me the 2 x {$95.00} fee 's that I will now incur due to their negligence with my titles. I had no problems receiving the monthly loan payment notice so I find it hard to believe that both titles ( mailed at separate times ) could not reach my home address. I do not believe that these titles were ever sent to me. CSC bought my loan from XXXX XXXX and I strongly feel that these titles may have just been lost in the purchase of our loan. Either way, I can not understand how this should be my responsibility to pay for a missing title, especially two times in a one month period. I want CSC to send me {$190.00} to cover the cost of the title replacement. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccuracies in my credit report, specifically the disputed accounts that remain unresolved despite my previous requests for investigation. These errors are significantly affecting my credit score and causing undue hardship. 

I have consistently requested that these inaccuracies be investigated and corrected, but I have not received any resolution or corrective action. The presence of these erroneous accounts is hindering my ability to secure financial opportunities and is impacting my daily life. 

I urgently request a thorough investigation into each of these disputed accounts and prompt correction of my credit report. Accurate information is crucial for my financial well-being, and I hope that you can address this matter with the seriousness it warrants. 

Please acknowledge receipt of this letter and provide an estimated timeline for resolving these issues. I appreciate your immediate attention to this matter and look forward to your prompt response. 

Thank you for your cooperation.
Product: Debt collection

My family and I moved and we paid all XXXX XXXXXXXX two times and at each time XXXX  XXXX would send a refund!! Now Im getting a bill stating that I owe XXXX XXXX XXXX!! We had not been at my old address for over 7 months, so why Im getting a bill?
Product: Mortgage

Hello, I am making a complaint against " XXXX XXXX XXXX d/b/a Mr Cooper ''. Starting XX/XX/2018, this mortgage company bought my loan from my previous mortgage company. During my length of mortgage with my previous loan servicer, I always paid through the telephone auto pay system without incurring any pay by phone charges, as I prefer this method, for security reasons, and do not wish to use the internet pay option. I have other bills like, electric, auto loan, cable provider, and others who do not charge any fee for using the telephone auto payment system. However, this new mortgage company XXXX XXXX XXXX d/b/a Mr Cooper charges a {$14.00} to {$19.00} fee to the customer which I find very troubling and possibly a breach of contract. They claim, they use a third party for the telephone pay service. I told them whether they use a third party or not, it is not the customers responsibility to pay any fees associated with using the pay by phone system should the customer elect to use this system. I wrote two letters to them requesting them to change their policy where customers should not be charged any fee for using the pay by phone system. I consider this corruption and extortion. The customer has a right to use the pay by phone free of charge. Furthermore, I told them, I did not request my mortgage to be bought/transferred. Since they bought my loan, then they are obligated to provide equal or better service as the previous loan servicer. Charging the customer the pay by phone service is definitely not better service. This company needs to be investigated for wrong doing and they should correct the pay by phone policy as mentioned above. Thank You