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

On XX/XX/, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from Equifax that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned a leased vehicle to XXXX XXXX XXXX on XX/XX/2020. I got a new leased XXXX at the same time. It was delivered to me and the old vehicle taken. I received a bill from Volvo in XXXX ( for the vehicle I turned in ) for the monthly payment, a late charge and excessive mileage charge. I had not exceeded the mileage, in fact it was under the amount allotted in my lease. When I called Volvo Financial Services ( VFS ) to inquire about why I was being billed for a car I no longer had possession of, they said they hadn't received the odometer disclosure from the dealer yet. I was told " not to worry, it sometimes took a few weeks for the paperwork to " catch up ''. I was told " they would make a note in my account and my credit would not be in jeopardy ''. I then started getting phone calls from VFS about my past due account. I explained repeatedly and was told the same thing- 'do n't worry, we noted this and it won't affect your credit. VFS asked me to contact the dealer and get the odometer disclosure statement because " I would have better luck as the customer ''. I did and it took several weeks to actually get the report. Once they had it, VFS agreed to close the account and remove the 30 day late status on my credit report. They still have not removed and I am being charged a higher rate on a new loan because this lowered my credit score.I have also disputed this with all three credit bureaus and was just informed my dispute was denied.
Product: Student loan

Hello, I came across your article regarding XXXX and wanted to inquire about the possibility of removing this XXXX from my name. I attended XXXX back in XXXX, and I have not been able to find a job as a software engineer or programmer since attending the school. I didn't feel I was receiving the best training while I was in the cohort. At a certain point, a student was teaching one of the classes, which was a red flag. Since I haven't been in a role that would qualify me to start paying on the XXXX since I graduated, I didnt receive any assistance with finding a job in the field, would it be possible to have this XXXX removed from my name? Any information would be helpful. 

Thank you.
Product: Mortgage

My uncle left me a house when he passed away XX/XX/XXXX of XXXX I make a payments on the house since then I finally got the house over in my name XXXX of this year. I had a problem with my health so I had my daughter handling my financial affairs she took over my financial affairs XX/XX/XXXX I had payments paid up until XXXX of XXXX. I didn't know that my daughter was not making payments because I had not received any information from the mortgage company because I had not yet had the deed in my name so they would not release any information to me. And once it was in my name and I found out that my daughter had not been making any payments and the property was going into default.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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.
Product: Debt collection

When I went to XXXX they told me I would not be charge anything else for my procedures they charge my insurance more than XXXX dollars and then I got this bill for the XXXX the I kept calling the office of the XXXX please for more than 2to 3 years every time I would get a bill and the women I charge of the billing would always tell me do n't worry Isabel it 's all handle we will take care of it i have gone back to that office this year and they told me that the women does not work there any more so I called the person in charge for the XXXX and she was the meanest and rudest women ever she told me that she did not care if what I had to say and that it was my problem to just pay the bill so I went back to brand sergical and told them of what had happen and they told me that yes she was bad and mean and difficult to deal with but that if I would get anything else done with them they would lay this off for me I have been trying to fix this for a long time please help me thank you
Product: Credit reporting or other personal consumer reports

At or around XX/XX/2020 XXXX XXXX  closed my account for suspicious activity. I was told that a third party vendor wire transfered money into my account in the .middle of the night. I did not authorize or have any dealings with this party. XXXX XXXX told me they were closing my account to protect me the customer. Recently I went to apply for a bank account at XXXX XXXX XXXX XXXX all these XXXX later and was denied. I received a copy of my Early Warning System Consumer Report and it states that the account wad closed for Checking Account Fraud. I contacted XXXX  and they told me I have to go thru the dispute process. I had no involvement in this action. Thus contribution reason is false and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXX XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.
Product: Student loan

I suddenly received a statement stating that I owe money for a student loan from XXXX years ago. This is the first time I am hearing of this. I do not believe I owe this loan and I'd like to see original documentation showing that I applied for this loan. After calling and writing the lending company they insist I owe this loan without sending me proof. they just sent me a statement and a notice that if I do not pay, they will report me to the credit Breau. In XXXX years, I have not seen a statement for this loan and suddenly now they want me to pay a loan. 
I am XXXX XXXX XXXX and do not have any school loans.
Product: Student loan

I attended XXXX XXXX XXXX in XXXX XXXX, Florida from XX/XX/XXXX to XX/XX/XXXX. While I attended schooling I was mislead in the education was receiving and cost of schooling of there. When I graduated in XX/XX/XXXX I noticed the total cost was not the same as I previously told by others that show me the total cost. Then in XX/XX/XXXX I was receiving phone calls in regarding of paying back on a private loan that was from that schooling. I was not aware of any private loans nor I did not sign for any private loans and again told everything was done through U.S. Department of Education. I was mislead with the information that was given to me at that time and a loan went to a private loan. The private loan is XXXX XXXX XXXX. From XX/XX/XXXX to current I have been paying this loan and having trouble with the payments every month. Also in XX/XX/XXXX XXXX XXXX XXXX close it doors for good and many people in a similar situation of repaying loans for a school that mislead consumers like me in the cost of the schooling. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Then in XX/XX/XXXX a U.S Judge awarded XXXX XXXX in claims for students attending the school for private loans and Education loans. With the loan with XXXX private loan the amount has not deceased since XX/XX/XXXX to current. It is still the same amount since it has begun. I do not understand how this can be since I have been paying for this for 5 years. Also it has destroy my credit because there are moments where I did fell behind and they keep harassing me with phone calls with threats till I give in and made a big payment so I can get caught up and end the harassing phone calls. In my opinion this private loan should be connected with my Borrower Defense claim because they are both coming from the same school. This loan should be forgiven because the school is no longer in exist and the court has just awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending this private loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was having all kinds of trouble signing in to my XXXX Coinbase accounts and was contacted by a Coinbase customer service rep who offered to assist me with getting both of my accounts unlocked. They were very knowledgeable and helpful. Everything they were saying made perfect sense as I have had issues getting into my XXXX accounts. They sent themselves XXXX transactions out of my XXXX accounts and stole XXXX XXXX and XXXX XXXX. On that date the assets were valued at {$260000.00}. 

Shortly after my phone call with the Coinbase customer service rep I felt uneasy and immediately made several efforts to contact Coinbase customer service to cancel the transactions. Unfortunately for me, the Coinbase customer service portal was down and they were completely unresponsive. I hold Coinbase responsible for these stolen assets because there were not safeguards in place to alert me that I was transferring money out of my account and the Coinbase customer service portal was not working at the time of the incident. 

I have reported this theft to the FBI, XXXX XXXX XXXX Police Department, the FTC and now the CFPB. 

Coinbase has not been responsive to my situation and keeps sending me out form responses that never address the particulars of my case.
Product: Checking or savings account

I have banked with Regions since 2018, I've been a long time loyal account holder and when I saw that they have been illegally charging overdraft fees from clients for years everything began to make sense. I've been hit numerous times with multiple overdrafts since I've had an account. I never noticed before because I believed it was my own error with my finances but I began to notice that there were times I would be hit even with sufficient funds in my account. I'd like to file a claim to see if I'm eligible for a share in these refunds that the company has to so rightly return from us. It's hard to trust banks in the first place but now to see how much fire they're under in the past decade ; where can I place my trust in knowing my money is secure?
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX  I HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS
account name : XXXX XXXX  account # XXXX	
balanceXXXX
last active date:XXXX
Product: Credit card or prepaid card

This is regarding my Barclays credit card. I last paid an annual fee on it on XX/XX/XXXX. Since then, for more than a year, I have not used the card anywhere. I had lost the card and requested a replacement card sometime in the summer of XXXX. I never received a replacement card. In XX/XX/XXXX, Barclays charged me an annual fee on an unactivated account. I did not realize there was a fee pending, and they reported late payment to the credit bureau, after which I realized they had charged me for nothing. When I called them, they said my cardmember agreement says fees will be charged automatically every year. When I asked for a copy of the cardmember agreement that I had signed up for, they refused to send one and insisted that it will only be sent by postal mail within the next 30 days. They refused to cancel or withdraw the fee, nor were able to explain how they could charge annual fees to an inactivated card. On top of that, my credit score has now been harmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account, i have never applied for this, i'm not responsible for this debt, with this company i have no contracts or agreements with my signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX with account XXXX XXXXXXXX opened on XX/XX/year> Dispute Reason : - The loan is paid off, with a {$0.00} balance. 
- There was only one late payment in XX/XX/year>. 
- The account is incorrectly reported as active/default, harming my credit score. 

I request the removal of this incorrect information due to identity theft, per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).
Product: Debt collection

I received a call from someone who would not identify the reason for the call without asking me to provide personal information last week. I received a letter on XX/XX/XXXX that states I have 30 days to dispute the validity of the debt. I sent a letter to dispute the debt on XX/XX/XXXX. On XX/XX/XXXX, less than 30 days from the date of the notice the company reported this invalid debt to the credit agencies. When I called the company the representative told me she could not give me any information and became rude when I asked her about the 30 days I had to send the written dispute. 

This company did not follow FCRA guidelines and reported a debt that is not mine to the credit agencies.
Product: Checking or savings account

I did have my checking account went overdraft due to a unexpected charges and after that time, I lost online access to my account due was unable to verify this due to illness that cause my entire family to be home. My account was closed and later after I recuperated from the illness, they informed me, and I told them to deduct the amount from my saving due to the fact that my pay is deposited on my saving account. 

Unfortunately, they couldn't take this fund out of my account for unknown reason. I had to call and setup a date to which is the XXXX of XXXX to get this taking care of. 


Please assist me in this situation, as I need any negative comment remove from my account to enable me to open an account for my business.
Product: Debt collection

My complaint is against Midland Credit Management, which is a collection agency for XXXX XXXX. I have been paying my debt but they insist in reporting a higher amount of what I actually owe. I have called, send emails and letters asking for a review of my account detailing the payments I have made and the outstanding balance in order for me to pay it off and close this matter. I have been ignored even when I have sent them copies of of the checks they have received from me and paid by my my bank ( XXXX ). Their online page shows some payments but a check for {$2300.00} is not listed and therefore, the balance is incorrect.
Product: Debt collection

In XXXX, XXXX, I received a second bill from XXXX XXXX for a visit in XXXX, XXXX for which I had paid at the time with my check card. In the interim, my credit union had voided my card and issued a new card due to a potential problem with card numbers being stolen. I NEVER received a first bill from XXXX XXXX. I had no idea there was a problem with the payment. I immediately paid the amount owed via their online payment service, XX/XX/XXXX. Approximately 2 weeks later, I received a bill from a collection agency, Receivables Management SystemsXXXX XXXX XXXX XXXX, XXXX, VA. I called this company and informed their representative that the bill in question had been paid by me. The representative confirmed this, but indicated that the collection would nonetheless stay open. On XX/XX/XXXX, I received another notice from Receivables Management Systems threatening to turn information over to credit reporting agencies. This, despite the fact that they had previously confirmed that the original bill was paid by me. This is pure harassment. The fault lies with XXXX XXXX for not informing me of the billing problem, and secondly with Receivables Management for continuing to contact me over a bill which they confirmed had already been paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00}. 
This account is fraud and doesnt belong to me. this account just appeared on my credit profile overnight and is affecting my life and its not fair. This account needs to be removed immediately my rights are being violated and this account needs to be REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax want times and trying get a item removed from my credit file and they took more than 30 days and it still remains on my credit file and they refused to remove it and they have a police report on there system so I called today on XX/XX/2019 and they refused send me a credit report and gain access to my credit file and told I need top send in some documents which I already did back in XXXX ... and I have two fraudulent accounts which is XXXX XXXX card services and XXXX XXXX card and I provided a police report back in XXXX and Equifax refused to accept it and I haven't gotten a credit report from them ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ). I WAS NEVER NOTIFIED. My autopay was subsequently not changed to reflect this change. The loan was reported to credit bureau as not paid. Please see attachments. Thank You
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute to address multiple violations of the Fair Credit Reporting Act ( FCRA ) that occurred regarding inaccurate reporting on my credit report. These violations include : Willful Noncompliance ( FCRA Section 616 ) The credit reporting agencies accepted credit information about me without properly verifying its accuracy. This failure to ensure the correctness of the information could lead to civil liability of up to {$XXXX} per violation. 

Failure to Disclose Personal Information Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) The credit reporting agency failed to inform me of my right to opt out of having my personal information shared, which is a violation of my consumer rights. 

Furnishing Inaccurate and Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) Incorrect accounts and inquiries were reported without proper validation, and potentially violated XXXX XXXX XXXX XXXX ( XXXX  ), which can mislead creditors and affect my creditworthiness. 

Debt Collection Violations Debt collectors violated the Debt Collection Practices Act by reporting inaccurate debts without my consent and by contacting third-party credit reporting agencies about debts that may not belong to me. 

Incorrect Reporting of Personal Information There were multiple instances of incorrect personal information being reported, including addresses that do not belong to me. This information must be deleted immediately. 

Failure to Accurately Report Timely Payments The credit agencies reported late payments on my credit report without clearly defining what constitutes a late payment, making these reports deceptive and inaccurate. 

Incorrect Finance Charges The XXXX XXXX XXXX failed to accurately determine finance charges, which is their responsibility. 

Failure to Obtain Written Consent ( FCRA Section 1681b ( a ) ( 2 ) ) The credit agencies reported information without obtaining my written consent, which is a violation of the permissible purposes outlined in the FCRA. 

As a result, I am requesting that the credit reporting agencies and debt XXXX involved take immediate action to : Delete the incorrect personal information ( addresses ) from my report. 
Update the incorrect late payment entry to reflect that it was " paid as agreed, never late. '' Provide validation of the debts reported by various debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) under 15 U.S. Code 1692g. If they can not validate these debts, I demand they be removed from my credit report. 
Remove all unauthorized and inaccurate accounts from my credit report as they are violating my rights under the FCRA. 
I expect a prompt response, and failure to comply with these requests will result in me seeking legal remedies under the Fair Credit Reporting Act
Product: Debt collection

On XX/XX/XXXX, I received an alert from XXXX  XXXX XXXX about a new collection account added to my credit file. Right away I contacted the listed collection agency on my credit file. I spoke to an agent who claimed that I got the wrong department and he transferred me Mr XXXX XXXX. I asked Mr XXXX to spell his name for me, he refused and hanged up the phone on me. I called back and informed him that I was going to report this to the office of the AG of Texas, he claimed he was going to transfer me to a manager and dropped the call. 
Based on my credit file the account number is listed as XXXX. Back in XX/XX/XXXX I filled a case with the CFPB, complaint ID XXXX, and the complaint was resolved and the account deleted from my credit file as stipulated on CFPB complaint ID XXXX. Today, on XX/XX/XXXX, almost 3 years later Midwestern Recovery System is illegally and maliciously reporting this same account on my credit file.
Product: Mortgage

I have been under forbearance plan for the past 15 months due Covid-19 situation with my loan servicing company " XXXX XXXX XXXX ''. 
I told them I can resume my regular monthly mortgage payments beginning XXXX, XXXX. They already declined my loan modification application ( they say it was modified in 2018 and it was only once in a life time deal ) and refused " deferral option ''. Now they are demanding I pay at least one year lump sum payment or my home be foreclosed. I just came out of Covid 19 economic hardship situation and do not have such a lump sum amount. 
I have never been late on my mortgage payments since 2018 and have over XXXX credit score. 
I tried refinancing but because I have been under forbearance, all banks I applied refused. I have over 60 % equity on my home now. 
My mortgage is not federally backed, I think.