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

Reporting Equifax for complete Mix-up of my credit file over last 3 years and more. As of now I still have multiple people being reported into my file incorrectly. Called Equifax multiple times starting XXXX XXXX and spent hours waiting to be connected, agents were not able to provide accurate insights on how the information is incorrect on my file with multiple names, addresses, accounts and mortgage being reported. I asked them to setup a flag to notify me for any such changes which they say they did but I never received any notifications.

After doing my own research I put in my first dispute request on XX/XX/XXXX XXXX. Provided all personal documents they asked for on their dispute form. It never received any response in 6 months. I followed up twice in that duration. More inquiries kept adding on my profile in the meantime. 

Second dispute request was filed on XX/XX/XXXX XXXX ; after I had a call with agent and made sure they will treat this dispute with care and make changes. They provided comfort over call that they will take necessary actions but I still see tons of incorrect information shown on my credit history.

After spending so much time and energy to fix a mess I didn't make ; I am still in mud left with a large chunk of my credit used with none to use for myself. The entire credit bureau system needs an overlook.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have rights to privacy.

15 U.S.C 1681 Section 604A 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. 

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

On XX/XX/XXXX Coinbase issued a new user agreement for customers to sign in order to access its platform. Upon reviewing the user agreement, I declined to accept it and on XX/XX/XXXX submitted a support ticket stating I did not consent to its terms and requested my funds be sent to my linked bank account. Coinbase had stated via email- in response to the support ticket - that it would close the accounts of people who did not accept the agreement and transfer their funds off the platform. I contacted Coinbase multiple times by email and twice over the phone to resolve this issue and ask why my funds were still on the Coinbase platform ( which I have had XXXX access to since XX/XX/XXXX ). I have called twice - in the first call, I was told my case was being sent to the compliance team, and was told I could expect an email with an XXXX for the funds to arrive in my bank account. I verified my bank 's checking account details with the representative in order to ensure the transfer would be processed correctly. When this did not occur, I called again and was told that the compliance team is not available by phone and the customer support representative was unable to provide me with any information on my case.The phone calls occurred on XXXX ( XXXX minutes ) and XXXX ( XXXX minutes ). I am concerned that Coinbase has no intention of returning my funds to me. At the time of this writing the funds total approximately {$9000.00} across the various Coinbase platforms ( Coinbase Pro, Wallet, etc ). I received email replies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and today ( XXXX ) and this issue is still not being resolved.
Product: Payday loan, title loan, or personal loan

On XX/XX/ I entered into a loan with Mosaic for XXXX XXXX through XXXX XXXX. The loan amount is approx XXXX. The panels installation is only 60 % complete according to the portal of the installation company. The solar panels have yet to be inspected and there is no way to know where we are at in the installation process. The panels are not functioning at this time. There is no monitoring system available. No solar companies will maintain or take on our solar project. Our full loan amount was dispersed to XXXX even after notifying Mosaic that we did not have permission to operate at the time. Mosaic dispersed money to the installers prior to ensuring that the installation was complete. There is currently a class action lawsuit again XXXX with almost all customers reporting the same issues with both XXXX and Mosaic. The attorney general in Arkansas has also filed suit. Mosiac has refused to speak with us about our loan or cancelling it at this time.
Product: Student loan

Citizens ADVERTISES Student Loans starting at 2.49 % with a parent cosigning. We cosigned and the rate came back a 6.49 % or 161 % over the best available rate. We were immediately concerned that there was an issue with our credit rating, in fact worried of identity theft due to the high rate offered. Upon speaking with the representatives, we were told that our rate was determined only by one factor, the higher XXXX rating of the student or parents. Our rating was actually EXCELLENT at XXXX. In fact, this is a quote from XXXX. 

At this point, we asked HOW MANY PEOPLE ACTUALLY QUALIFY for the 2.49 % rate. We were told that information is " proprietary. '' I asked if she ( Supervisor XXXX XXXX ) knew of ANY LOANS given out at the advertised rate. She told me that information was also proprietary. 

In my opinion, they are using deceptive advertising practices. Listing rates that they never intend to fulfill. 

" It 's important to understand that if you have a XXXX score above XXXX, you 're going to be getting the best rates and opportunities, '' says XXXX XXXX, director of public relations at XXXX, the analytics company whose credit scores are most often used to determine a borrower 's reliability. " While it 's nice to aspire, you really do n't need to, '' he says. 

We believe that this is a case of false advertising ... of luring customers in with low rates and then not pro
Product: Credit card or prepaid card

I applied for a XXXX XXXX card on Sunday, XX/XX/2022. The card is issued by Synchrony bank. When I went through the application process, I requested a credit limit of XXXX or XXXX, I honestly dont remember which it was. 

Sadly, synchrony bank did not approve the credit extended but they opened an account with a {$2500.00} credit line. 

I saved the terms and conditions shared during the application process and I have not been able to locate a section that indicates I consent to the opening of an account that has less favorable terms than I applied for. It is my understanding that if an applicant os extended credit terms that are less than requested, Reg B requires notification of that decision and express consent to proceed with the new credit terms. I did not provide either. 

I have called the company numerous times and spent hours asking staff to validate I agreed to the less than requested terms and no one has been able to do that. In fact, staff has openly said the info is not on disclosures and a supervisor named XXXX indicated its Synchrony policy to proceed with application and not provide an adverse notice outlining the counteroffer. I believe based on the information Ive been provided, that Synchrony is engaging in UDAAP - unfair, deceptive, and abusive acts and practices and in violation of Reg B. 

Additionally, I was told to contact the credit reporting agencies to dispute the application which to my understanding is unacceptable as the bank should have a satisfactory compliant/compliance management system. 

My expectation was to have been extended a counter offer, which I wouldve declined ; instead an account number was opened. I was told if the account number would be reported to my credit bureau, I would have to request to close the account, and it would be reported as closed per customer request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXexperian.comXXXX The report is stating that is closed and a charge I also have disputed this before and they put it back on my report and and the report is listing incorrect address my address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Wisconsin and I have disputed them also
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with this company. On XX/XX/2019, the car was totaled. Shortly thereafter, my insurance company ( XXXX ) paid the car off. 

I requested that the balance on the vehicle be updated at that time, and I was told it would not be done until the " end of the month. '' The balance wasn't updated at the end of XXXX nor the end of XXXX. The balance on the car according to my online account is {$240.00}. 

All 3 of my credit reports show a balance of {$17000.00} on the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a copy of my credit report, and report my trafficking case to Transunion since XXXX. I am a victim of trafficking and despite the fact that I have mailed and emailed my documents continuously, the accounts are still reporting. This is because I have been trying to get TransUnion to fix my online account for 2 months. Because of the issue with my TransUnion account, I am unable to retrieve my free annual credit report, or dispute anything. I am relying on XXXX XXXX who only lets you dispute one item at a time and does not allow you to see all of the details of the account or upload documentation. This is against the law. I feel helpless and defeated. Every time I call I am just pacified and told that my account will be available in XXXX hours. I first reported this issue in XXXX. Today is XX/XX/XXXX and I am still unable to do anything with my TransUnion credit report. This is completely unacceptable. I also reached out to customer support via email at XXXX, XXXX, XXXX, XXXX, and XXXX and received a ticket number via email response. When I called to follow up, the rep told me that TransUnion doesnt have an email for customer correspondence, nor do they give out ticket numbers. TransUnion, along with the other 2 major credit bureaus, need to be investigated because they are not operating in compliance with the law and it is putting the consumers in danger. I am living on the streets of XXXX trying not to be noticed by anyone who knows my abuser because I cant get approved for housing with this information on my report. I am begging for help. My next step is to unalive myself. I dont know what else to do.
Product: Credit reporting or other personal consumer reports

For the past XXXX  years multiple unauthorized inquiries have been added to my account without my consent. This inquires were not authorized with my permission and they continue to hit my report without my consent. When asked to dispute and remove company refused and said it would just fall off. These inquiries are FCRA violations as I did not give permission for them to be ran. ALL HARD INQUIRIES ARE TO BE DELETED
Product: Credit reporting or other personal consumer reports

Ask all 3 credit companies to send proof that I had signed on as a cosigner. I dissaggreed with terms and didnt not sign any paperwork. Was told he didnt need me to cosign. 3 month later im getting called about this loan. XXXX is not providing me with a copy of signed agreement. ( Because there was none ) The dealership and loan company scammed me. Trying to fix with credit unions before talking to lawyer.
Product: Debt collection

NWC reported information to XXXX, XXXX, and XXXX which was known to contain errors. NWC failed to promptly report corrected information to XXXX, XXXX, and XXXX. NWC miscommunicated the dispute with XXXX, XXXX, and XXXX. NWC failed to inform me in writing that it was reporting negative information to XXXX, XXXX, and XXXX within the required time period. After recieving a dispute, NWC failed to investigate and report the results of the investigation to me, XXXX, XXXX, and XXXX. After investigation, NWC failed to MODIFY or DELETE the item with XXXX, XXXX, and XXXX. 

These transgressions decreased my credit score which increased the interest rate I received on my mortgage.
Product: Debt collection

Ive sent letters via certified mail and through the credit bureaus XX/XX/2024, XX/XX/2024 and XX/XX/2024 and no response was made. 


VALIDATION AND CEASE AND DESIST Collection agency name : TRANSWORLD SYSTEM INC Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX NAME : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. 


Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 


Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 


Thank you for your prompt attention to this matter.
Product: Debt collection

Comenity CapitaXXXX XXXX Dispute entered via 3 credit bureaus-XXXX. FTC report filed. 

Comenity CB/ UltaXXXX Dispute entered via 3 credit bureausXXXX. FTC report filed. 

XXXX XXXXDispute entered via 3 credit bureausXXXX. FTC report filed. 
. 
XXXX XXXX XXXX- XXXXAccout delete for inaccurate reporting. Then placed back on credit report twice with different dates and amounts. Dispute entered via 3 credit bureaus-04/2022.FTC report filed. 

XXXXDispute entered via 3 credit bureausXXXXFTC report filed. 

XXXXDispute entered via 3 credit bureaus-XXXX report filed. 

XXXX XXXX XXXXXXXXDispute entered via 3 credit bureausXXXXFTC report filed. 

XXXX XXXX XXXXDispute entered via 3 credit bureausXXXX. FTC report filed. 
XXXX XXXX XXXX -- Dispute entered via 3 credit bureaus-XXXX. FTC report filed. 
XXXX XXXX XXXX -- Dispute entered via 3 credit bureaus-XXXX. FTC report filed.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 c
onsumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We purchased our home in XX/XX/XXXX for $ XXXX. Our taxes per year are around {$6700.00} +/-. We have made every payment on time and in full.

We were making payments of around {$580.00} per month towards taxes and insurance in XXXX and received a surplus check of {$4900.00}. 

In XXXX of XXXX, we were approved for Homestead and received a one time {$50000.00} reduction in our valuation with a maximum of a 3 % increase per year thereafter. 

Our escrow analysis for XXXX came back with a payment of {$220.00} per month for taxes and insurance. 

In XXXX of XXXX, we were told in the new escrow analysis that we have a shortage of {$14000.00} +/- even though we had made every payment to our account. The result was an increase to our mortgage payment of over 100 %. {$1600.00} to now over {$3200.00}. 

We submitted a complaint to TD Bank ( servicer ) for a deeper analysis of how this could happen and they only sent the county 's tax statement.

Our next steps have been to work with an attorney and financial advisor while asking for a forensic analysis to be completed by TD Bank ( not yet completed by TD Bank ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report, as I am a victim of a recent data breach. I believe fraudulent activity has occurred involving these accounts, and under the provisions of 15 U.S.C.

1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the removal of these items from my credit file. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$1300.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$210.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$2800.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$3500.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$830.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$710.00} XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$970.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$590.00} Inquiries to be blocked and deleted : 1. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I have asked Equifax for my credit report and they will not give it to me. I asked them to clean up some things such as old outdated information. I have a report dated XX/XX/XXXX  Confirmation XXXX, XX/XX/XXXX  Confirmation # XXXX, and XX/XX/XXXX  Confirmation # XXXX. I had a dispute regarding my report and now Equifax will not allow me into the system to speak with a live person stating that I can't be verified through their system even though I just spoke with someone named XXXX with ID # XXXX on XX/XX/. I am also being told that I do not have a credit file with them but I have just given you ( CFPB ) three confirmation numbers above from order credit reports. This is a malicious move and it is against the law. Equifax has no right to keep my file from me. Here is another report from XX/XX/XXXX  confirmation # XXXX I have correspondence from Equifax dated XX/XX/, stating that I made a report that I believe that I was a victim of identity theft. I never made such a report. I also have a letter dated XXXX XXXX  that Equifax was unable to locate a credit file for me in their database. This is an outright lie. when I have all these letters from them. Also, the agent XXXX XXXX told me that she had lifted the freeze on my file and she did not I had to go online and do it myself. The reference number she gave me is XXXX and for my report XXXX. I can trust their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   has pulled multiple hits on my credit file with wrong social security number submitted to them online. TransUnion refuses to allow me to dispute the  XXXX  hard pulls on my account.   XXXX   XXXX   refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.