23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. **Account Name : ** XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. 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 following information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to the XXXX XXXX XXXX XXXX they are suppose to do this list ( XXXX ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, 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 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 XXXX XXXX XXXX they are suppose to nor 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: Debt collection

This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$14000.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time.
Product: Credit reporting, credit repair services, or other personal consumer reports

this issue backs from XX/XX/XXXX when XXXX  XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to XXXX XXXX  in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on XXXX  and XXXX  XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to XXXX? 
More recently year by end year XXXX I contact XXXX to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. XXXX does report my credit card activity on Experian card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " XXXX never reported payment to Experian even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. Experian only state my comments. 
XXXX XXXX, always send a letter to me after I do request them to report Experian and fix the problem and last said on second paragraph " ... .XXXX reported this account as a paid charge off. Per Experian, this account is reporting as a paid charge off '', my question are, is it Experian will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by Experian not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why XXXX never report to Experian? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.
Product: Credit reporting or other personal consumer reports

No correct authentication process done for listed open collections accounts on my credit report. All three bureaus listed open accounts for XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XX/XX/XXXX {$470.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$250.00}
Product: Mortgage

I made a {$50000.00} principal payment on a {$300000.00} loan. {$2700.00} was carved out as a monthly payment, charging {$700.00} in intere st ( this is monthly interest charged for a 6 day period ). The monthly payment was paid 6 days earlier. THUS, Chase was effectively " stealing '' from me. I file this complaint for the sole purpose of alerting others. CHECK YOU R STATEMENTS, UNDERSTAND THE MATH. It should be assumed that a financial institution would be capable of processing and servicing a loan. If they ca n't do this, they should be banned from this business.
Product: Debt collection

I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Calvary Portfolio SVCS for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I don't know what XXXX company they are collecting for but rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be as well whomever the original creditor is that they also acknowledge the debt to be removed and considered paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX xxxxxxxxxxxx XXXX is erroneously reporting a credit card account with a delinquent balance of {$4700.00}, XXXX shows another balance of {$7000.00} on the same trade line. account closed XX/XX/year>. I have disputed this numerous times to no avail. it keeps getting confirmed with no explanation. If the account was closed in XXXX  it should already have dropped off of all XXXX CRA 's. I do not recognize this account
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to a debt that has been reported on my credit report. I have made multiple requests for validation of this debt under FDCPA Section 809, but the creditor has failed to provide sufficient documentation to verify the debt in question.

I will attach the account listed in my credit report that is under dispute.

I have requested validation of the debt, as required under FDCPA 809, but the creditor has not provided the necessary information or documentation to prove that the debt is valid or that they have the right to collect it. This lack of response and failure to provide adequate validation violates the FDCPA, and I believe that it also constitutes inaccurate reporting under the FCRA.

As a result of their failure to properly validate the debt, I respectfully request that this account be marked as " disputed '' on my credit report, as required by FCRA Section 623.
Product: Vehicle loan or lease

XXXX of XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XX/XX/2022 is the date if the initial transaction. 
I purchased a vehicle for XXXX I bought the vehicle as a cpo ( certified pre owned XXXX ) and the Bussiness was committed to honor the cpo status of the vehicle for 2 years or XXXX miles and thats after the new vehicle manufacturer warranty expired and it just did at XXXX i bought the vehicle with XXXX miles on it and have supporting documents that the vehicle was advertised to be CPO. On the two other occasions, that CPO status was active and I didnt have any other issues. The issue at hand is that last Thursday I took my vehicle to XXXX to get its XXXX mile service that is already pre-paid for called XXXX care. XXXX care is completely separate from cpo status. Upon arrival I was informed that my vehicle is not showing a active CPO status. The technician took me to the finance manager ( XXXX ) and he pulled up the deal and he confirmed that I purchased the vehicle as a CPO and that the CPO status should be active from there. He called the used car sales manager ( XXXX ) and ask, did you remember me buying this car as a certified vehicle he said yes, this is the only reason why he bought it was because it was certified so XXXX asks XXXX is it OK if we let them go and figure it out in the XXXX and he said yeah, of course. So the next morning I get a call from the service technician his name is XXXX stating that XXXX the general manager of the dealership said that hes not allowed to service my vehicle and I need to drop the loaner off immediately and pick up my car.. now mind you I bought two cars from this particular dealership and both of my vehicles get service here and the last time I brought my car the status was active. So now Im in complete confusion seeing that Ive never been treated such so I tell XXXX to have XXXX the XXXX call me he never calls me and Monday I get a call from the service manager. His name is XXXX and he tells me that I need to drop his loaner off immediately or hes gon na call the police on me and hes not playing. I asked him to give me some insight on why my car is not reflecting active standing, and he tells me that he does not care about that. All he cares about is loner and drop it off immediately extremely rude. He tells me to take it up with sales now mind you Im not buying a car so I shouldnt have to take it up with sales. This is something that was active a couple months ago and now its not active. Theres some type of air going on, but they did not try to help me fix it whatsoever. They were extremely rude and threaten me with the police and I drop my car off to get serviced and I picked it up still needing to be serviced and the CPO status is still in active
Product: Debt collection

My JCPenney account has been frozen, I am being charged a monthly & a late fee. I pay more than the minimum monthly amount to help cover the " late fee '' and am charged an additional late fee every month. The minimum amount due monthly is {$25.00}, I pay {$40.00} dollars and am on a very limited, tight budget so can only pay an additional $ XXXX monthly for a life insurance policy. Every month I pay a little extra as I can afford it in an attempt to reduce the overall balance. In addition, JCpenney charges me a {$35.00} late fee which is added monthly. As of XXXX 2015, the total amount charged to me by JCPenney is over {$500.00}. Their claims department calls me early in the morning regularly and multiple times daily. The new minimum amount is {$86.00} which I am not able to pay. I would like to know if it is legal for them to add late fees to late fees when I have been making payments, even an amount less than they would like.
Product: Debt collection

I was noticing a few days before my direct deposit was supposed post I tried to open my account using my phone and on the computer and I couldn't open my account at all. XX/XX/XXXX ( Thursday ) I  called the bank to find out why I couldn't open my account that is when I found out that there was a write of garnishment of property on checking account. I called Cavalry Portfolio Services and spoke to a women ( do not recall the name ) who answered the phone and taken my up dated information and I ask her why didn't they go thru HR with DoD which I've been employed for the past XXXX and not XXXX which was a part job which I have not work for in over a XXXX XXXX she said they couldn't locate me and that was very hard to believe. 
XX/XX/XXXX : I went to the court house in XXXX XXXX County I spoke with an appointed court attorney explain to them ( her ) that I didn't know a third party company could block my bank account from any debits from my bank account until the entire amount is paid, I have no money to pay any of my bills. I was asked to get copy of the case that was filed this affidavit was served on XX/XX/XXXX to the address of XXXX XXXX XXXX  XXXX XXXX XXXX MD XXXX. 

My concern is this form is the exact form submitted on XX/XX/XXXX .... nine years ago and now submitted again without even trying to locate me or thru the HR department at XXXX XXXX XXXX XXXX where I've been the last XXXX know, I believe this was purposely done, not to collect the amount XXXX XXXX purchased it for but the interest for the past nine years included. 

Know the other problem I have with this Writ of Summons is .... I was living in XXXX Va. at XXXX XXXX XXXX XXXXXXXX XXXX during time they said I was served or summons ( I have attachments of w-2 form ) and I didn't find it in my last year credit report and I request another for this year. I also believe this account is not mines and I say that because XXXX I was living in XXXX Va. I just do not remember this account .... if my name is attached to this account it may be fraudulent someone may have gotten my info ... really don't believe this my account I just do not remember. is why wait so long and why not for thru my job where I've been employed for the past XXXX? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money form my medication just had XXXX XX/XX/XXXX from my XXXX reversal. 

This type aggression to collect debt that is not initially there is very destructive and emphatically unmoral worse than sharks ... this is " tort ''
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67000.00} XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$5600.00} XXXX  XXXX XXXX Balance Owed : $ {$940.00} XXXX  XXXX XXXX XXXX Owed : $ {$660.00} XXXX  XXXX XXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$7600.00} XXXX XXXXXXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$69000.00} XXXX XXXX  XXXX **** Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$7600.00} XXXX  XXXX Balance Owed : {$6600.00}
Product: Money transfer, virtual currency, or money service

Refer to past case XXXX which was not resolve by coinbase they lied to get CFPB to close the caseI, XXXX XXXX XXXX , am writing this formal demand letter regarding the unjust restriction and suspension of my Coinbase cryptocurrency wallet account, which I have held since XXXX. Despite following Coinbase 's instructions and providing all necessary documentation for account recovery, Coinbase has unlawfully withheld access to my account and assets. This document outlines the legal basis for my claim and requests immediate resolution. 

Background I lost access to my Coin base account login settings approximately two years ago. Since then, I have attempted to contact Coin base multiple times through their support channels as directed by automated phone recordings. However, access to support required me to log into my account, which was not possible due to my lost credentials. After months of delay, I created a new account simply to engage Coinbases support team, who then instructed me to delete that new account, promising to send login credentials for my original account. 

Once I logged in, my original account was suspended, and Coinbase began questioning my identity and personal background. Over the past year, I have provided all the requested documentation, including my passport, bank statements, and other sensitive personal information. Despite this, Coinbase continues to deny access to my account and assets, sending repetitive requests for information I have already provided.
Product: Credit card

There 's an option to transfer a balance on my card but I 've never been able to transfer a balance. I 've had this card for about four years and have never been given an offer to transfer balance. But Chase still has the option to do so, I would like to be able to transfer a balance since it 's listed on my account.
Product: Debt collection

I am disputing a debt that has been reported by this debt collector on XXXX XXXX, which I do not owe. I was contacted by the company regarding a balance of {$1900.00}, but I have no knowledge of this debt and have never received documentation proving that it is valid or that I am responsible for it. 

I have not entered into any agreement with this company, and to the best of my knowledge, I do not owe any money to them. I believe this may be a case of mistaken identity, a reporting error, or potential fraud. 

I am requesting that this matter be investigated thoroughly and that the debt collector provide proper validation of the debt. Until valid documentation is provided, I am requesting that all collection activity cease and that any reporting to credit bureaus be removed or withheld.
Product: Credit reporting or other personal consumer reports

A collection report was added to my XXXX credit report. I have disputed the collection report saying the account is not mine. I reported this account as identity theft and sent a copy of the Federal Trade Commission report. The collection report remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DEPT OF XXXX, XXXX, DEPT OF EDUCATIONXXXX, DEPT OF EDUCATIONXXXX, has violated my rights. 
DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy XXXX 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

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 XXXX  credit card and XXXX XXXX XXXX # XXXX Auto Loan. 15 U.S.C 1681 section 602A 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 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 and 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit report with TransUnion. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave TransUnion any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-after review of my credit report and noticing inquiries that I never authorized, I made contact with the respective creditors first to get additional information and to request that they remove the inquiry and was informed to contact the respective credit bureau to dispute the inquiries. I've since contacted the respective Credit Bureau and was advised by them to contact the creditor to have them remove the inquiry ... so I'm getting the run-around. 

The inquiries in question-XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX
Product: Credit reporting or other personal consumer reports

I intend to bring Experian under federal charges for violation or Truth in Lending Act sec 1692c 1602 1680, etc I have exhausted all dispute resolutions and CFPB complaints as well as filing a dispute with FTC. NOTHING HAS BEEN DONE by Experian to correct this fraud. I first filed the complaint on XX/XX/year> today is the XXXX of XX/XX/year> my Experian dispute was completed with out NO correction to the incorrect creditor accounts they were intentionally ignored I intent to issue FOIA request to Experian Corporation for records then Federal Suit will be filed for TILA and Consumer Rights Violations