23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Affirm dispute resolution shut down my dispute without understanding my Entire issue and has given me no way to add more/create another dispute on loan. 

I ordered a {$5000.00} product over thirty days ago. The company I ordered from wont cancel it. The product was not shipped or received by me yet they are charging me.
Product: Money transfer, virtual currency, or money service

I have been contacting Coinbase for 3 months now and they never get back to me. Ive tried emailing them from multiple accounts like Coinbase Pro and regular coinbase and they always say they are going to get back to me, but they dont. They merged my email outreaches and they still have not gotten back to me. This is fraud as they have kept my money and not given it to me. 

I have not been able to withdraw my money from my account. It says withdrawal pending and ETH network blocked for months and I never got the money. I am upset and want the money I earned back.
Product: Credit reporting or other personal consumer reports

I explained to both XXXX XXXX XXXX XXXX, the company, and XXXX that the debt is incorrectly listed and it was included and discharged in bankrupcy. I sent all of the paperwork including the letter from the attorney to both Equifax and XXXX XXXX XXXX XXXX. 

XXXX promised me they would take care of this on their end, multiple times. I also have a dispute resolution file from Equifax where on page XXXX of XXXX, it clearly only says UPDATED, but it doesn't say REMOVED. As of today it still shows up on my credit report when it should not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING HAS BEEN REMOVED.
Product: Mortgage

My original servicer was XXXX XXXX In XXXX of this year my servicer changed to Truist Bank. Truist has not had the correct balance of my mortgage. My mortgage balance with XXXX was lower by $ XXXX than it started with Truist. I have contacted Truist by phone several times over the past 5 weeks and I keep getting the run around. They will not get me a manager or anyone in charge, I get the customer service representative that states they have can not help and say someone will call me back. 
Truist Bank is not be a fiduciary of the money or trust I have given them.
Product: Student loan

I sent a payment using my XXXX XXXX Bill Pay service to Great Lakes much as I had for over the past year. Upon noticing that the payment had not been reflected in my account a few days later I called and was informed that they had changed the address of where payments should be sent from XXXX to XXXX without communicating to me in any manner. When asking what would happen I was told that even though I had electronically transferred my payment through Bill Pay that they would not return my payment for XXXX weeks. After two weeks passed I called and asked for an update where I was told the funds would be returned to my bank and then put back in my account. When I contacted my bank by submitting a claim they contacted Great Lakes and informed me that I should be getting my funds returned via check in the mail within forty days. I called as the 40 day limit was approaching and was told again it should be returned shortly so I made another payment in the same amount over the phone with the understanding it would be applied as attended and my original funds would be at my house soon in the form of a check. While they applied the second payment over the phone I still have not received my original refunded payment and have since made another payment to Great Lakes which has not been reflected in my account despite following their explicit instructions. I checked with my bank and they show that the latest payment was posted. Due to these events I now have several thousand dollars that are floating in Great Lakes accounts instead of either being returned to me or applied to my loan. When I called yet again this morning I was told they would look into the matters and get back to me within 48 hours. At this point I have no idea when I 'll get my original payment back and if I 'll have to wait just as long for my latest payment to be sent to me instead of being applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX- Contains several errors and other sensitive information. This letter received today states- XXXX responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, XXXX could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

XXXX XXXX as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND XXXX DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. XXXX has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. Page 39| 43 I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and XXXXppropriate County, State & Federal authorities, the CFPB, XXXX and XXXX Bar XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of North Carolina medical privacy rules .
Product: Debt collection

This is my second approach to resolving this matter with Carmax. I sent a debt verification letter and they only responded with the contract. Pursuant to 15 USC 1692g, I am to be supplied with 5 items. Carmax has failed to supply all 5 of these items. I have also informed Carmax of SEVERAL FDCPA violations. The items I sent them they have sent back with a stamp that says returned. Carmax mentions not accepting the documents as payment. I was not attempting to pay. I am demanding proper validation of this debt. None of the information that i asked for was completed. Everything was completely ignored. I am feeling like I am being bullied and taken advantage of. I am a federally protected consumer and Carmax consistently violates my consumer rights and ignores me when I envoke my rights. I have attached the documents that I have sent to them. I am the original creditor and this debt was paid for when I gave my " credit card '' number to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.
Product: Debt collection

When they sent me the letter informing me on what debts they have paid off with the money they took from my taxes I noticed that they weren't actually telling me the truth about the amounts that were applied to each debt. Starting at it amount Applied {$250.00} they only paid $ XXXX {$290.00} they only paid XXXX {$250.00} they paid $ XXXX {$180.00} they paid $ XXXX {$280.00} paid $ XXXX {$360.00} paid $ XXXX {$160.00} paid $ XXXX {$96.00} paid $ XXXX {$620.00} paid $ XXXX {$380.00} paid {$310.00}. The amount they told me that I paid towards my debts were a lie what they actually paid is different.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to resolve inaccurate information being reporting by XXXX XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a XXXX  XXXX account I paid off on XX/XX/XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XX/XX/XXXX 2012. They acted in bad faith and this is a false and criminal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried calling Glasser and Glasser to discuss my account and nobody answers. I have left multiple voicemails on multiple phone numbers and not received a call back. 

The company does not enable the consumer to settle a debt because they do not answer the phone or return phone calls.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed some inaccuracies on XXXX of my accounts.This account is reporting a late payment for XXXX, 2022, XXXX different account numbers, XXXX different dates for date opened, and XXXX different dates for date last reported. I was never for any payment on this account. I need this account updated accurately, and the late payment reporting removed. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act ( FCRA ) and how it is reporting my credit information. In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee. I sent a certified signed affidavit to US bankruptcy court and asked if they shared and information with any of the three major crediting reporting agencies. They replied saying they did not give any information of my bankruptcy status to any of the three major credit bureaus and i attached a copy of that letter to another affidavit and sent one to each of the credit bureaus. I also did not express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my bankruptcy information from public records which is legal to obtain but they are not in compliance with the Fair Credit Reporting Act to report those findings on my credit report. I also received a letter from XXXX XXXX XXXX from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that their client XXXX XXXX XXXX XXXX XXXX has ceased collection of the account and submitted a trade line deletion request. That mark still shows on my credit file. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX did send a letter to the three major credit bureaus to removed it from my credit file.

The Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. 

I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information
Product: Credit reporting or other personal consumer reports

XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a thorough investigation into the disputes I filed regarding errors on my credit report. As a result, inaccurate and unverifiable information remains unresolved. This mirrors broader issues raised in a recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, citing practices such as failing to forward consumer-provided evidence to creditors, relying on unreliable responses, and neglecting to inform consumers of dispute outcomes. My personal experience reflects these systemic failures, as XXXX has yet to correct or remove the disputed accounts from my report.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there was fraudulent activity
Product: Debt collection

My name is XXXX XXXX and this my first formal complaint against Midland Credit
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the cfpb federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.
Product: Vehicle loan or lease

On XX/XX/2024 I went into XXXX XXXX XXXX on XXXX XXXX XXXX and wanted to purchase a truck for {$80000.00} and the company took my social security number without my consent and opened a loan in my name without my consent and then denied me credit. Ally Bank is the Bank thsts refused to approve my application for a XXXX XXXX XXXX  XXXX fully loaded for {$100000.00} us dollars. I lost business as a result of their denial and am currently suffering from not having a new truck to conduct business.
Product: Debt collection

On XX/XX/22 I was contacted by ( XXXX ) XXXX at XXXX and was unable to answer right away. From the moment I called back at XXXX I was pressured into making an immediate payment. I was communicating to the agent that at that moment it wasnt the best time for me to set up an arrangement ( I would have to look at my budget ) and she began to get super hostile and tried to strong arm me. Despite me reassuring her that I would call back at a later time to set something up, she cuts me off and threatened to tell the creditor that I was unwilling to pay the debt and hung up. This is the worst experience Ive ever had with a debt collection and the fact that she said that worries me that legal action is going to follow even though I told her I would call back to set an arrangement. Please if you can investigate the call because right now Im too intimidated by her behavior to even call back and get this resolved.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( XXXX  ) and Dennis v. BEH-1, LLC ( XXXX  ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

Hello there and great afternoon ladies and gentlemen coming by to report an unexpected issue concerning that of my identity being stolen and the high alerting amount of fraud " low money payment wages " I had experienced while getting Social Security Benefits with the Social Security Administration. This constant harassment by local XXXX XXXX has now placed a burden within my financial stability in example " Clothing, Shelter, food, and vehicle transportation " This sort of abuse also came with several arising conflicts " identity theft victim " as I started maturing within my independence, including that of several failed approaches while running my credit looking for apartment homes, cell phone companies, attempts buying vehicles due to not being approved for a vehicle due to none approval reports, and also noticing a slow increase and none credited XXXX  credit line and credit score. I would love to ask for some help in possibly investigating this problem I have been experiencing for several years now and do wish to receive a report including the names and individuals whom abused accessible responsibilities in the past.