23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have never authorized, consented to nor benefited from the following account/inquiries, please remove the following within 4 business days pursuant to 15 USC 1681 XXXX XXXX. ) XXXX XXXX  XXXX. ) XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) Attorney General XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX ) .Inquiries : XXXX XXXXXXXX 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I used my 2006 XXXX XXXX as collateral for a loan with Springleaf now  know as OneMain Financial. the initial loan with the collateral was only {$2000.00}. When subsequent loans were made, OneMain will always attach the vehicle as collateral. They kept piling loans on the worthless collateral to the tune of {$8000.00}. I have never missed a payment with Onemain Financial. 
The vehicle is 12 years old with XXXX miles and worth nothing. I have tried to sell the vehicle to pay down the loan but no one would buy it. One Main agreed that if someone buys it for {$2000.00}, they would release the title to them. Unfortunately the vehicle has broken down for 2 months now and there is no way Ioan sell it. The cost for fixing the problem is {$3000.00} and not worth since other problems may come up. I do not want to throw money into it so I have decided to give it out for donation. I do not have space to store it and the mechanic is also asking that we pick it up as they dont have space for storage as well. 
I visited my local OneMain to discuss a solution since they had agreed that something could be done. However all attempts to resolve the matter so we get the vehicle donated proved futile. 
I even offerred to pay {$500.00} but that was rejected. The only thing they would do was to remove the insurance off the vehicle. 
The fact that all other loans were forcefully put under this collateral knowing very well the value of this vehicle is predatory and causing unnecessary hardships for me
Product: Credit card

After being XXXX from XXXX XXXX status as a XXXX XXXX XXXX my credit card company, Chase Bank Card Services decrease my credit limits and increase my APR rate with out notification. After contacting Chase JP Morgan bank, they claimed they received late payments. I advise them, I never paid my account late, and I was recently released from XXXX XXXX and was not given proper notice of any change in the card agreement or notice of changes in payments or new interest rate. My understanding SCRA trigger certain requirements under the Truth in Lending Act and Reg Z. Generally, a credit card company may only increase the interest rate and any fees or charges to the same amount that applied before the start of XXXX XXXX ; a 45-day advance notice of change in terms must be provided after a member is no longer on XXXX XXXX before the credit card company can increase the annual percentage rate to the contract rate, or increase any fees or other charges that were reduced or eliminated. This adverse action caused an adverse affect on my FICO score and made it difficulty for me in seeking future gainful employment, and has caused challenging experience refinancing my home mortgage.
Product: Debt collection

I've made several attempts to have these medical bills removed. By sending letters to the bureaus and letting them know that it is inaccurate and needed to be removed. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX   ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything.medical bills more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; These two bills in the amount of {$1800.00} and {$2000.00} are in collection with ARS and the medical bill is coming from the company listed above.
Product: Credit card

Experience hardship was not able to make payments was charge overly in interest fees
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b  ) XXXX Experian Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX v Experian XXXX , Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Payday loan, title loan, personal loan, or advance loan

I opened a loan back in XXXX with Citibank for the amount of XXXX dollars. Account has always been paid on time and in full. Citibank charged me a fee because my last payment didnt go through but it did and I got the notification that account has XXXX balance. Now Citibank says that they have solved the issue but is still showing on XXXX and not XXXX 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 XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Reference number XXXX Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States that I have the right to privacy.

15 U, S.C 1681 section 604 A section 2.It also states that 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 than records of convictions of crimes with antedates the report by more than sever 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit card

When I pay more than the minimum payment, the card company is applying my payments to the XXXX interest balance first then to the higher interest balances only after the XXXX interest balances are paid off. I thought this was against the law. I noticed my higher interest balances were not changing in spite of me paying more than the minimum payments, so last week I finally had someone at the CC company tell me this is what they were doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken out several loans with this creditor, XXXX XXXX, and they have helped me out in many ways. However, this account in particular raises more questions than answers : for one, there isn't any data reporting in the payment history section ; there are only five payments reporting in the amount of {$81.00}. The money payment on this account isn't {$81.00} ; it's actually {$37.00}. Another error on this account is that it shows a payment was made in XX/XX/2021, but there is no amount reported on the payment history. If a payment was made on XX/XX/2021, that would mean that the XXXX balance will be lowed ; however, it's the exact same balance as XXXX, which was {$150.00}. Since I am unable to speak with the representative on the phone, I have emails of a representative and myself having a conversation, per this account. That's not been paid off. I asked the representative to provide me with a statement of all transactions made towards this loan. She stated that there isn't a document that she could provide. But she did provide some information, and if XXXX was in a document, it was typed information, and that information will be attached to this complaint. The representative also stated that multiple payments failed, and I asked for a copy of that, which she has not provided me with.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased two license of XXXX XXXX XXXX software from XXXX online store for {$80.00}, but after receiving the license codes, they are foreign language XXXX  and did not work on my computer, so I contacted the merchant to provide me with the correct license. After several attempts, the merchant was not able to provide the valid license code, and I requested a refund on XX/XX/XXXX per return policy allows refund for the non-functional software. Since there was no response to my request for cancelation and refund, I asked the refund status on XX/XX/XXXX but to now avail. So I contacted the credit card company, CapitalOne, to dispute the charge XX/XX/XXXX. The Merchant responded with the refund policy and indicated that I did not request for refund on XX/XX/XXXX, but I immediately sent attached email response to the credit card company to re-dispute the charge. However, CapitalOne company denided my valid dispute and asked me to contact the merchant to resolve the issue directly. Since the merchant original website is no longer working and my request for their validity of the XXXX XXXX software, I could not work with the merchant directly. CapitalOne should send my re-dispute response back to merchant so that they should provide the validity of the XXXX XXXX software by providing their authenticity of the XXXX XXXX license.
Product: Credit card or prepaid card

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Product: Credit card or prepaid card

In XXXX I planned a family trip from XXXX La to XXXX TX to attend a family event. I pre-paid for a room at XXXX XXXX through XXXX to stay during my visit. I booked the room XX/XX/2020 XXXX XXXX to check-in XX/XX/2020 and check-out XX/XX/2020 with the total amount billable {$210.00}. Right before I was supposed to leave I received an alert that the Covid-19 cases had spiked in XXXX which made me uneasy with getting the hotel room. I immediately cancelled the reservation later in the day of XX/XX/2020 and received a confirmation yet was still charged for the room on my credit card for a day which totaled {$100.00}. I disputed the charge through Capital One provided my cancellation emails and also advised that due to Covid-19 and the spike in cases I was not going to keep my reservation. My dispute was denied and the charge was left on my credit card. In the height of this pandemic there was forgiveness given for travelers due to the sensitivity and danger of this virus. I can't seem to understand how someone is expected to pay for a hotel room that was cancelled and was not stayed in. I was charged {$100.00}. The charge was rebilled on my Capital One account XX/XX/2020 case # XXXX
Product: Credit card or prepaid card

Genesis. Destiny. Credit. Card. Pre-approved. Me. For. A. Credit. Card. With. {$700.00}. Credit. Line. And. Asked. Me. To. Send. Identity information. Which. I. Did. Still. They. Refuse. To. Issue. Me. The. Credit. Card?
Product: Mortgage

The property was financed with XXXX XXXX  with life insurance on the loan by myself and another person in approx XX/XX/XXXX. All payments were current, none were late or missed as they were drafted from my account. The property burned completely with XXXX XXXX XXXX in XX/XX/XXXX, but payments were still made until the investigation and insurance was complete. In XX/XX/XXXX drafts stopped being taken out of my account. I contacted XXXX XXXX  and was informed my mortgage had been sold to Carrington mortgage without Carringtons knowledge of the loss. I was never notified by either company about a sale. I inquired about this and they said a letter was sent to an address that has not been connected to me in more than three years. XXXX XXXX  has my current address as I received several items of mail from them, sent proof of XXXX and XXXX XXXX. I have tried for more than a year to get a copy of the original contract from Carrington as well as XXXX as my copy was burned in the fire. I had an attorney attempt to get the mortgage as well due to life insurance being on the loan, but to no avail. I am trying to close the estate of the person who was the co-mortgage holder that XXXX in the fire. I have tried for some time with Carrington to get a payoff, I was told over the phone the amount was XXXX XXXX XXXX XXXX and some odd cents, they assure me they will email it, but nothing. I want the email so I have written proof of how much I owe as I am afraid the amount will suddenly turn into the entire insurance amount with hidden fees and charges. The insurance company tried for one month to get proof of mortgage ownership from Carrington. I have a check from the insurance company for XXXX XXXX XXXX dollars and simply want this behind me. I have dealt with XXXX and now Carrington for more than a year being given the runaround. I feel as if I have no where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX 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: Student loan

- Applied for the XXXX plan for the first time in XXXX, starting XXXXXXXX XXXX - Mohela transferred their information to a XXXX XXXX XX/XX/year> - No response since XXXX until XXXX, reapplied for the XXXX plan again in XX/XX/year>, repeating XXXX XXXX - No response, received physical mail in XX/XX/year> to submit the same information that I submitted in XXXX when applying for the XXXX on Mohela 's website. Submitted the info XX/XX/year>. 
- Called again early XX/XX/year>, re-entered XXXX for the third time. This time spoke to a call center XXXX who submitted an expedited processing request, informed that it would take XXXX business days to process. 
- Now it's the end of XX/XX/year>, still no XXXX plan has been processed. 

Throughout this process, I have called about XXXX times with responses being : " Your application will be processed. '' " Somehow your application was missed, please reapply. '' " I have submitted a request to expedite your application. '' The consequences of me not entering the XXXX plan is that my payments would be XXXX XXXX monthly instead of XXXX}, and that my qualifying payments for XXXX have been delayed for XXXX months out of the XXXX months for my XXXX XXXX XXXX of XXXX
Product: Credit reporting or other personal consumer reports

Company in question : CONTACT INFO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX After reviewing my three credit reports from Experian, XXXX, and XXXX I noticed that 3 or more late payments are being reported from XXXX the company I have an open credit card account with. This company in question is unlawfully reporting this information pursuant to the FCRA 15 USC 1681a. ( 2 ) ( A ) ( i ) ( 2 ) 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 ; furthermore the late payments in question are indeed considered a transaction and thus should not to be included in my consumer report ; even further pursuant to 15 USC 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In reference to the above, the company missionlane have failed to provide the documents required in 15 USC 1637 ( b ) as it is written. In order for any of the above mentioned Consumer Reporting Agencies to have furnished any report on the account in question from the company in question the conditions set forth in 15 USC 1637b must have been met and it is my chief complaint that this is Not the case in this matter. Missionlane has failed to this respect and violated my rights under the laws described in this complaint.
Product: Consumer Loan

The company calls 4-5 times a day and leaves messages on my personal phone and work phone. When I call back, they do n't answer and have me on hold.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I initiated what is known as a " reversal '' of a Bitcoin deposit to my XXXX XXXX XXXX wallet. XXXX informed me it was unable to accept it due to unspecified " security reasons. '' I reversed it to my Coinbase Bitcoin wallet. Upon inspection, it was sent to coin base with less than ten percent of the original fee. Coinbase shows it as received. XXXX XXXX  confirms it was received by coinbases network on the tenth. However, I still do not have access to the funds. Coinbase has stated it has simply not been confirmed and to contact XXXX XXXX. XXXX states to contact receiving wallet. My tax documents from either sight don't show this amount in any of the 1099s for 2023. I do not know who I need to contact regarding this. It is the industry standard that after a few weeks at most the funds will be kicked out of the mempool and would need to be resent. It has been three months. I have contacted both companies numerous times seeking resolution. Exact dates and times would be excessively burdensome due to the sheer amount.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

ENHANCED RECOVERY CO is inaccurately and erroneously reporting iun. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Dear XXXX  XXXX Account number XXXX XX/XX/XXXX, {$470.00} XXXXXXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$11000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX 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.

THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Experian has violated my rights 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.