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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

I applied for a VA loan in XXXX 2016 and was told 2 months later that it could n't be done because my purchase was too small so I was recommended to do it with a Home Equity Line of credit with the purchase tied into that. So I started the application process for a second time. I was told that the purchase process would take 6 weeks to be able to purchase a {$14000.00} home. That was on XXXX XXXX. The appraiser was supposed to have the appraisal done by XXXX XXXX and it did n't get done until XXXX XXXX 2016. On XXXX XXXX I called to find out when we could close on the purchase of my home. I was told that everything was still in the appraisal review department and that they had not received the appraisal yet, I wonder why I had to call in and get that information before anyone started anything for a follow up with the appraiser. Here I am now, waiting to get my home equity line of credit to use as a purchase and make some necessary upgrades and some credit consolidation. This is taking an unreasonably long amount of time. I expressed my concerns to the bank but have been told there is n't anything further that I can do. My loan officer has her hands tied and has escalated it as high as she can go in the processing department and it seems the behind the scenes paperwork just is n't getting accomplished. It is n't hard to be on top of the process. This is causing me a lot of XXXX.10 weeks and counting to purchase a manufactured home is way too long. I know that if the bank expected payment 6 weeks from the application date that I would have been sent to collections and possibly foreclosed on if I did n't meet my obligation. The bank has an obligation to me, the customer, to process this in a timely fashion. It just is n't happening. All i am getting are excuses.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX  XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 609B. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, AD ASTRA RECOVERY SERV is reporting that I have a collection with them, and I have never been in communication with this company. They were notified to validate this debt that is reporting on my credit report, but they have failed to do so. I will include the letter as well as the time stamp. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that they've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, they are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Please conduct a proper investigation and remove this account. Also include a contract bearing my personal signature. My email is XXXX.
Product: Credit card or prepaid card

The bank fail to provide advertised Rental Car Coverage during my car rental, where it instruct its customer to decline CDW offered by the rental company as they are covered by using their card for rental. 

I was locked out of my rental and the rental company requested payment for its service to unlock the car since I declined their offered CDW. When I called the XXXX XXXX customer service, since CDW is covered as per their advertisement, they transfer me to XXXX XXXX and in turn transferred me to roadside assistance which charged me {$69.00}. The charge details as follows : XX/XX/2018 XXXX XXXX XXXX Country Code : US - United States Original Account Number : XXXX Currency : US Dollar ( USD ) Merchant : XXXX XXXX Merchant Information : XXXX XXXX XXXX XXXX TX XXXX Transaction Date : XX/XX/2018 Posted Date : XX/XX/2018 Transaction Type : Purchase Reference Number : XXXX {$69.00} I attempted three times to resolve the issue and requested refund by my credit card to the charge since their instruction is false and they fail to offer their promised coverage but they fail again to address the issue. My latest complaint to them No. XXXX dated XX/XX/2018. 
Your support in that matter will be greatly appreciated. 
Regards,
Product: Money transfer, virtual currency, or money service

Coinbase claimed that any amount of bitcoin that existed prior to the bitcoin fork of XXXX XXXX, 2017 would be available in my Coinbase account and be able to be withdrawn by XX/XX/XXXX. 

Prior to the fork, I had XXXX bitcoin in my Coinbase account, and thus, I should have been credited with XXXX Bitcoin Cash in my Coinbase account when Bitcoin Cash was implemented in their system ( like other users where ). However these funds failed to show up in my account. 

On XX/XX/XXXX, I filled a complaint at Coinbase ' support website. I have yet to hear back from them. I still do not have the correct Bitcoin cash in my account.
Product: Debt collection

Deville Asst Management this company did not send me a bill or a letter they failed to notify me. The only way i found out about this debt is thru my credit report. And the information they have on XXXX in inaccurate.
Product: Credit card

The XXXX XXXX card I have had since the interest was 7 %. It went up to XXXX XXXX with the prime then it went down to XXXX XXXX when the interest rates dropped now they have any new charges are 17.5 % I was not made aware of any of 5 % increase. 
I thought it had to be in writing or they had to let you know if they were just gon na increase it 5 % out of the blue No, I have not been late and yes, I have made more than the minimum payment.
Product: Payday loan, title loan, or personal loan

I originally have a personal loan through loanatlast.com. I did a XXXX search to login to the main site and at the top of the page was loanatlast.com.co. I did not catch the. " co '' and therefore clicked on the link. To login it asks for your phone number and social security for password. After I realized that it did not log me in, I was suspicious. So as I was reading more I realized they were impersonating the original loan company and therefore just captured my phone number and social security number. 

I tried to dig through to get contact information, but nothing they have stated on the main site does not contain legitimate contact information : Contact Information : Company name : Loan At Last Email Address : XXXX XXXX XXXX XXXX XXXX INFORMATION FOR ISPs : Website : www. Loan At Last Company name : Loan At Last Email Address : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

For 7 years I have faithfully been paying off a XXXX XXXX XXXX XXXX balance from {$13000.00} to today {$750.00} : Now : XX/XX/XXXX I asked Ms. XXXX of Chrysler Capital to provide me option to pay XX/XX/XXXX and pay off the remaining balance in XX/XX/XXXX. Non-negotiable. I stated fine. put me in collections if you refuse to work with me in order to pay off remaining balance to release full-title and lean of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my rights a Consumer when they reported these accounts on my credit report. I never gave Equifax permissible purpose and by law I have the right to exclude what I want from my credit report as I explained in the dispute letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I send a letter to the credit agency to remove the bankruptcy chapter XXXX from my credit report. I got a letter from the is bankruptcy court stating that they did not report any information the XXXX credit agencies I forwarded it to the credit agencies. I have gotten letters back stating that it will not be taken off my report.
Product: Credit reporting or other personal consumer reports

I AM A PART OF THE DATA BREACH AND MY INFORMATION WAS LEAK AND NOW I HAVE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I am being asked to pay over {$900.00} dollars in interest to a debt collector in XXXX, CA for a credit amount of {$1000.00} attached to a closed checking account ( XX/XX/XXXX ) with XXXX XXXX Bank in XXXX XXXX, CA. The debt was charged off around XX/XX/XXXX. I do not have a credit agreement to see if the collection company can legally continue to charge interest. Further, I have not received monthly statement from the collection company indicating accrued interest and penalties. I understand there is the statute of 4 years in California. We are now in XX/XX/XXXX which if five years since the amount was charged off. I am not certain the collection agent has the legal right to charge accrued interest and further can still pursue collection. The credit reporting agency shows an amount of {$1000.00}. I want to know my legal writes as it pertains to the bank charge off and accrued interest demanded of collector and California statute of limitation on the claim. Thank you,
Product: Checking or savings account

Tried using XXXX  to link to my Capital one account but, they are the only institution XXXX can not connect to at the moment and has urged me to file a complaint with this organization.
Product: Mortgage

I sold my home short sale on XX/XX/XXXX. Between XXXX and XX/XX/XXXX I received documents from GreenTree Servicing stating the loan had been paid in full, a satisfaction or release of mortgage, and the consumer note marked " PAID IN FULL ''. I am still, to this day, receiving phone calls from GrrenTree collectors trying to collect. I have even faxed these documents to GreenTree but still the calls continue
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I have identified instances of late payments on an account for which I have consistently maintained timely payments. I believe that Consumer Reporting Agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information be reported with the utmost accuracy. As per my records, I have never missed a payment on the following account : [ XXXX XXXX XXXX XXXX, XXXX ]. I kindly request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently fulfilled my payment obligations without delay. Thank you for your attention to this matter.
Product: Debt collection

My social security number has been involved in a data breach and I would like all of the negative things on all three of my credit reports and hard inquiries removed off of my credit report I am really concerned about my information being used and credit inquiries being placed on my report that I didnt do and also negative reports on my report I would like them removed
Product: Payday loan, title loan, or personal loan

I am filing this complaint against Care Credit/XXXX XXXX for an account I had with chiropractor, XXXX XXXX of XXXX XXXX. I have been billed for services I have never received such as cold laser treatments. I was told I would pay for one visit and get one free. In addition, XXXX XXXX told me he would bill Medicare for some of this care. I contacted Medicare and they said XXXX XXXX Never submitted a bill to them. THIS IS FRAUD, plain and simple, perpetrated against a senior citizen. Prior correspondence from a XXXX XXXX, Senior Specialist, Corporate Consumer Relations at Synchrony, made No sense. She said they could not judge the quality of service. THIS HAS NOTHING TO DO WITH THE QUALITY OF SERVICE, EVEN THOUGH IT WAS HORRIFIC, IT HAS TO DO AS I STATED ABOVE, WITH being billed for services not received, being told one thing and XXXX XXXX doing something else. I called XXXX XXXX   today again and spoke to someone by the name of XXXX. She said there was no one at Synchrony by the name of XXXX XXXX. I said I have the letter right in front of me. This situation is outrageous. My bill should be down to {$150.00} and nothing is resolved. XXXX XXXX Never came up with what he billed Medicare because he never billed them ... he lied, plain and simple.
Product: Debt collection

I have been getting repeated calls from a company call XXXX or XXXX. The say that I have made an agreement with their company and that something has happened to where I need to resolve it. I have never dealt with this company before. I did use payday loans in 2012 and I have paid those debts off so I know that I do n't have a debt with these people. I have researched the phone numbers used for them ( they call from a Delaware number but leave a different number to call back ) and have found they call other people claiming the same thing and others have found it to be a scam. They also recently contacted my mother to get some information and I am not a minor, so I know that it was wrong/illegal for them to do that. ( I was not a minor when I incurred any of my debts either. ) I do n't answer when they call because I do not answer numbers I do n't recognize but they do leave me voice-mail messages. I get several calls in a week and it is a problem because I do n't owe any debts other than ones on my credit report. I am feeling harassed by these people and it needs to stop. [ The number they call from is XXXX and the number left for a return call is XXXX. ) I have fallen victim before and I just want others to know not to take everything at face value.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 card

I contacted the XXXX to obtain Hard Money for a real estate deal I was working on. XXXX suggested and I agreed that he could obtain credit lines instead. As the invoice that I will attach will show, he obtained four credit lines and I was invoiced for them individually. The largest of the lines was Navy Federal Credit Union. On XX/XX/XXXX, 2016 I went to a XXXX and took a cash advance out on the account and paid the invoice due via XXXX to the XXXX as the account was open and in good standing. After that point when I contacted Navy Federal I was informed that my account was closed because I do not qualify for their services. 

My dispute is with the XXXX as they have promised a service and have not delivered yet they have already received payment and also with Navy Federal as someone within their company worked with the XXXX to open an account of which I do not qualify for.
Product: Bank account or service

On XXXX XXXX, 2015 and contacted navy federal credit union and we go I still drinking fees that are being charged through ATMs and other banks are allowed to charge him because XXXX regarding news I think this is illegal to United States citizen because all transfers are electronically communicated to XXXX XXXX yeah baking and collecting fees of a members and customers just to have money in your pocket and you already a bank they have money in a money it should be given to the customer if you do not have any branches in the Surrounding areas that need to be required to open branches and stuff and make it available today customers that way we will have to pay the bank that we get my fees for money from I think it 's against the law I do n't treat your customers or members correctlyplease investigate Navy Federal and all branches in United States ATM and make sure they are filing United States banking Federal regulationsall misconduct and miss management of branches in ATM card to be charge according to United States federal
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX # XXXX and XXXX  XXXX Account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

While applying on line for accounts ( XX/XX/21 ) with Transunion my wife and I were forced to give a credit card number to open each account. There was no explanation of why they wanted our credit card numbers but we could not get accounts without filling in the credit card information. After opening the accounts we were notified that Transunion had charged each of our accounts {$25.00} and would be doing so monthly. We reached Transunion ( XX/XX/21 XXXX and requested cancellation and a refund. They said they were doing both. I believe this is a scam by Transunion. They are hoping that people who sign up for an account think this is a necessary and lawful charge. It is a fraudulent, dispicable way to do business and should be illegal.
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute the following hard inquiries listed on my credit report that I did not authorize : XXXX XXXX, dated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, dated XXXX XXXX, XXXX Please remove these inquiries as they were not initiated by me. Ive included a copy of my credit report highlighting these items for your reference. Recently my information was stolen and is now being used. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Louisiana XXXX XXXX XX/XX/XXXX XXXX. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

My late aunt 's estate had a {$5800.00} refund from a Wells Fargo settlement. I have mailed in the appropriate paperwork the WF team asked for And have yet to have any correspondence let alone the check that was issued and never recieved in XXXX of 2020. Please help me resolve this matter. I am the executor and sole beneficiary.
Product: Debt collection

They threating to call me everyday, And also keep calling my wife XXXX XXXX
Product: Vehicle loan or lease

What happened is that when I purchased my vehicle in XX/XX/2021 I was sold a warranty package that I purchased I was informed that I had to put down XXXX to lower my payments. XXXX XXXX XXXX XXXX I decided that I wanted to cancel the products sold additionally which was the dent protection, MB tire and wheel protection, Apperance protection, VeH protection plus key, and MB prepaid maintenance plan to because I found that these products were unnecessarily needed and wanted to lower my monthly payments. However, I was informed by the financing that I could not remove the additional products and the only product that I could remove was the MB prepaid maintenance balance in which it was removed per my request, but I never received a new contract with services removed or a refund. I recently called Mercedes and spoke with XXXX XXXX wanting to know about MB prepaid package and he informed that coverage was removed in XX/XX/2021 I asked him were did the money go that I spent on this package he stated that the money went back to the leasing company so I asked so I paid for a product that was removed never received any compensation for my return or a new contract. XXXX replied stating that I would need to speak to financing with MB in which has been difficult to get a hold of and when I did speak to financing in the pass I was informed theres nothing they can do..