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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX : {$8100.00}
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS MUST BE REMOVED. XXXX HAS A BREACH I WAS AFFECTED BY AS WELL AS XXXX AND EXPERIAN. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXXXXXX XXXX  XX/XX/XXXX {$6300.00} XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  BANK ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I have disputed the integrity of the information provided by a collection in my credit report, according to the CRA agency, it is verified, but it is clear that double charges have occurred, not to mention that there are also cost overruns, since they have not provided the difference charging for what is the same medicine. But despite providing the corresponding evidence, it has not been removed from my credit report. I attach your response and my letter sent with the attachments that prove the duplicity of charges.
Product: Credit reporting or other personal consumer reports

American Express credit card - Opened on - XXXX Late Payment - XXXX Still reporting as 30 day late, derogatory reports are supposed to fall off after 7 years, having trouble disputing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX XXXX XXXX and Experian Credit Bureau. I noticed XXXX unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. Because I did not apply for credit with XXXX  on that date. I had applied to XXXX on XX/XX/XXXX, and XX/XX/XXXX, those inquiries are legitimate and show up on my credit report but not on XX/XX/XXXX. 
Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting

After reviewing my credit report from your bureau, I found the underlined information on my report. I do n't believe it 's mine so can you remove it from my credit please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, the final payment on my auto loan with TD Auto Finance was to be paid. Throughout this loan, it was set up on auto pay. TD Auto Finance turned off auto pay, and I did not receive information of this until 90 days due, which I then made the last payment.

I have contacted TD Auto Finance, noting this and they responded " After reviewing your dispute and the facts your provided, we concluded that we are correctly reporting your account history and other relevant information to the credit bureaus ''. 

Completely crazy that the failure for them to take payment is a reportable reason.
Product: Checking or savings account

I filed a claim for fraud through Bank of America for transactions from XXXX XXXX That I did not make or authorize they have denied my claim several times I also called one of the merchants XXXX and they just realized that one of the transactions were fraud And stopped the card from being used and refunded my money although Bank of America will not refund my international feet or any of the other international fees if they are charging me or any of the other transactions that I did not to do or authorize I have been going through this for two months now and its nothings changed
Product: Debt collection

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following CHARGE OFF/COLLECTIONS ACCOUNT from my credit report immediately.
Product: Debt collection

On XXXX XXXX XXXX my husband attempted to make payment on a reported debt for which they had frozen his XXXX account for {$63.00} in taxes on a vehicle in which we no longer own. NCC refused to take payment from him. The representative, XXXX XXXX, once I was on the line with them demanded Personally Identifying Information from me to which I told her she was not legally allowed to demand. I also gave permission for her to take payment from my husband to which she refused again. I called back and got another representative, XXXX, who assured me that they did not need PII and I was able to make the payment without issue. It was then that I realized that XXXX XXXX was attempting to get the information for the purpose of identity theft. This should be investigated because other people may not realize that they do not have to give PII to her.
Product: Student loan

Currently, I have a loan that was issued by NavientXXXX XXXX and their service provider is Navient. Navient has excessively called me month by month since getting the loan, ultimately making me regret using the company in the first place. When my payment is past due, Navient will call me upwards of 5-6 times per day throughout the entire week. This has caused multiple disruptions throughout the past 2-3 year, due to the fact that I am still a XXXX XXXX. My mom helps me with this loan, and pays the loan routinely. We do go past due, but have never been over 30 days late with the payment. My mom has constantly asked the caller from Navient to stop calling me and only call her, as she primarily handles it and pays it monthly. This shouldn't be a problem as she is the co-signer for the loan. Often, she will get a caller that has an attitude and likes to raise their voice to my mother, which is highly unprofessional. 

Navient will usually tell us the reason they are calling is because 'We haven't logged into our account for an extended period of time. ' This is a complete lie from Navient because we have to log in every month to schedule the payment. 


This matter need to be handled at Navient, as I see there are many other debtors with the same problem of excessive calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  Not my account Victim of Fraud Identity theft Have contacted company
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).
Product: Credit card or prepaid card

Hi Mr. President/CEO! I need your help more than ever, especially during this covid-19 that we're facing now. I was really shocked and surprised when I was reviewing my credit report this week and noticed that you marked me late XXXX and XXXX this year for 30 days late. As I mentioned on the letter that I sent, and now attached, I was hospitalized with XXXX during those times and I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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. XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

On XX/XX/2024 at XXXX XXXX, I received a phone call from ( XXXX ) a lady named XXXX, saying she was calling from XXXX  ( Van & Huffman LLC ) attorney office, a debt collector and that she paperwork on her desk that she needs to go over with me, I said that if she has all the paperwork on her desk, please send it to me via U.S. Postal mail, so that I will have it in my hand, she said that tht they have sent it before, I said that I've never received any type of communication from her office concerning this alleged debt. I said that you have the address please send it by mail and please do not contact me again by telephone. She hung up!! 
On XX/XX/2024 at XXXX XXXX I received another call from ( XXXX ) the same lady ( XXXX ) from the debt collector, XXXX XXXX XXXX, and again paperwork I need to go over with you, I again told the lady to please send me all the documentation on this alleged debt and any and all correspondence via the U.S. Postal Mail, and to please do not contact me again by telephone, she hung Up. 
I reviewed MyFICO XXXX bureaus reports for XX/XX/2024 and Van & Huffman had placed this alleged debt as a collection account on XX/XX/2024. 
In reviewing the historical data on the Credit bureau Report, Van & Huffman Law obtain this alleged debt on XX/XX/2024 : XX/XX/2024 was my first contact : XX/XX/2024 was my XXXX contact. XX/XX/2024 email was received requesting that I pay!! 
No other written correspondence was ever received by me from this debt collector concerning this alleged debt. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened my Coinbase acct. in good faith on XX/XX/XXXX with my cell phone. Today is XX/XX/XXXX. I have never used any other device to log into my coinbase acct. Now all of a sudden, coinbase app says my device is unrecognized. I have tried the reset my password option but it still won't take. I am unable to get a live person to talk to and I have repeated submitted tickets to them, but they don't care to address it. I have also requested that they close my account, refund my money back into my bank account, and send me all the proper paperwork for me to file my taxes. No response from them. Now they have my money locked up with me unable to access it during this covid pandemic when every cent counts.
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, XXXX XXXX 's, federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX, Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # 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 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 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 card or prepaid card

I have had a Capital One card for 10 years and paid it in full or close to it every month. Capital one cancels my card with no explanation. I call- they apparently don't have to provide me with an explanation. Fast forward year or two.. I get approved for the prestigious savor card with a {$500.00} bonus once you spend {$3000.00} in the first 3 months. I charge over 1,000 dollars within the first week and make a {$600.00} payment before the payment is even due- bam they close my account. Capital one will close your account if you pay your bill in full or make large payments that they are not earning interest on. It is disgusting. I have an XXXX credit score. I will never do business with them again. They don't want to give up the bonus nor lose interest. Last time I checked you were allowed to pay your bill in full. Unbelievable.
Product: Money transfer, virtual currency, or money service

I was moving my currencies out of another company to them because the company I was using services aren't allowed in the XXXX anymore. When I had to change my ID for the XXXX. Coinbase locked my account they said that it was locked due to suspicious activity and requested I give them information on where I was transferring the currencies and where I getting and what I plan to do with it. They said my account expedited for a review. I check back in a couple of day and now they are saying it won't be reviewed until XXXX month from now or after and that they already reviewed it. I have put my write address and ID.
Product: Vehicle loan or lease

Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
Product: Credit reporting or other personal consumer reports

My recent credit report is showing unauthorized unverified inquiries. These unauthorized inquiries are negatively affecting my credit and I need them removed immediately. 
Transunion : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted the credit bureaus to have this unauthorized inquiries removed, with no response.
Product: Credit card

XXXX XXXX has not giving me proper arbitration on a card which I have disputes on.They have a third party which is trying to take me to court.
Product: Credit reporting or other personal consumer reports

This complaint goes with complaint number XXXX. I just wanted to add a few key points in here. 1. Equifax Data Breach Settlement nor Equifax itself has not even tried reaching out to me they ignored me when I sent them a total cost of {$8000.00} with a break down of how and why it cost {$8000.00} to reverse the impact it had on me so far their databreach. I had to dispute with 3 companies accounts that weren't mine. Inquires that weren't mine. I had to have conversations with these companies hire a lawyer to write these companies file reports. Furthermore it has been nothing easy. They can say what they want but their data breach caused this. So for them to over me {$17.00} when they got a bill and a breakdown of cost on that bill awhile back mailed in by myself is a slap in the face. However after I file a complaint with cfpb they still yet to contact me but reatgar send me an email offering me I think XXXX dollars more. See screenshot this is beyond a slap in the face it's a mockery and I will be filing my own lawsuit against Equifax for the {$8000.00} dollars i am out because of them plus any attorney and court fees for doing so. They will soon get an intent to sue letter certified mailed to them. They just don't care.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies process a credit hard inquiry check I did not permit. This was all on my Transunion report
Product: Credit card

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I have checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I have also noticed the late payments reporting inaccurately across the bureaus. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to on-time payment if records are not proven I was late. I have attached the inaccuracies of the late payments reporting on my credit report.
Product: Debt collection

Hi, Ive been trying to pay off a debt to apartments, the reason why I had to move was due to a domestic violence case. Every time Ive called XXXX has been very rude and he always downgrades me. My debt was originally XXXX and the amount theyre trying to charge me is XXXX. I have been back and fourth with them the whole month of XXXX and they will not work with me at all. He told me talking to a supervisor would not help and make a difference. This debt is not only on my credit but my moms as well, he was trying to get me to pay XXXX for myself so it would be taken off my credit but leave the rest for my mom to pay or it wouldnt get taken off if I didnt agree to that and asked me I had a good relationship with my mom so I could do that to her. I thought that was so wrong. Another time I called I spoke to a lady and she said I can pay XXXX and it would be taken off mine and my moms credit but when she transferred me to the supervisor he said he would have never approved that amount. That if I wanted to settle it would have to be for XXXX and it would be taken off. I asked him if I could think about it and he told me I could leave him on hold that if I hung up the deal would be off the table. Every time Ive called everyone is very rude, not willing to work with me or my mom and help us in any way. The amount theyre asking for is over what my actual debt is and they are always giving me attitude and dont seem to care to help. Very unprofessional
Product: Vehicle loan or lease

My XXXX XXXX XXXX had broken down and needed to be fixed. I had to rent a car for a while and I wasnt able to come up with the money to fix it so the mechanic put a lien on the car. Westlake financial says I owe them XXXX from XX/XX/XXXX to present. The actions by Westlake financial is they close the account now I have a negative on my credit report.
Product: Bank account or service

Our daughter worked for U. S. Bank Home Mortgage in XXXX, MN. She passed away unexpectedly on XX/XX/2016. We, her parents, were beneficiaries of her XXXX savings plan. We have collected the proceeds from that account. We have since received a XXXX which shows there is income tax due on a distribution of XXXX of dollars, which was supposedly used to pay off a loan against this account. We have no knowledge of this loan or payment. We have been trying for weeks to get an annual statement of this account which shows us the dates of loan and payment, how the request for a loan was made, to whom the loan was distributed and how was it distributed. We see no evidence of that amount of money being deposited in our daughters account. We were told that as beneficiaries of this account, we were entitled to this information. We have called them numerous times and talked to various people that always refer us to someone else. ( They have put us on hold for over 50 minutes some times. ) They never call us back as they said they will. It almost seems that they have something to hid and hope we will just go away.