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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/16 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am disputing discrepancies in my Experian credit report. Below are the details : Experian Report : Total Accounts : 16 Open Accounts : 9 Closed Accounts : 7 Derogatory Accounts : 5 Amount in Dispute : I believe the derogatory accounts on my report are inaccurate or outdated. Some may not reflect recent payments or corrections.

Action Taken : I have tried to resolve these issues directly with Experian, but the derogatory marks are still present. Despite payments being made, the accounts continue to show as negative on my credit report. 

I request assistance from the CFPB in resolving these inaccuracies and ensuring that my credit report reflects correct and up-to-date information.
Product: Credit reporting or other personal consumer reports

I checked my consumer report regarding the XXXXXXXX XXXX XXXX today of XX/XX/2024 and noticed a credit reporting agency reported on my credit without my written instruction. I gave them refusal to pay and no written instruction to furnish my credit report using my information. This is the second time after it has already been removed. Nothing is supposed to be on my credit report as the The law states 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything blacks law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap. Delete and remove immediately and follow the laws set in place by congress I have sent over a true bill and would like a resolution asap. I shouldnt have to wait to move forward in life do to your negligence. Remove account.
Product: Debt collection

I got a letter that on XX/XX/XXXX, the company I hired ( XXXX XXXX XXXX ) was able to negociate a settlement with an account that was delinquent ( Best Buy/Citi account in a 9 payments of {$100.00}, which came to its completion on XX/XX/XXXX. 
But these people XXXX XXXX XXXX, wants to continue to collect and retain the bad remark on my credit reports all across, I tried calling them, but they claimed they can only talk to the people that represent me ( XXXX XXXX XXXX ) and I said they no longer work for me, I sent XXXX a letter in writing my dislodging with XXXX a month and a half ago, but they still avoid me, I just want them to recognize the account was paid in full for the settlement and remove those bad remarks from my credit reports.
Product: Debt collection

XXXX XXXX XXXX has falsely reported a credit line of extension. 
The Bank has sold the alleged debt to a collections agency Glasser and Glasser as of XX/XX/XXXX The Bank has not provided any documents-emails, calls, letters from any branch in the amount of the debt {$10000.00} ( approximate ). 
The Bank has attempted to open a law suit on the alleged debt through XXXX without notification of the sale of this debt notice of sale Glasser and Glasser has furthermore not provided any communication on the any collections actions Under 15 USC 1692 ( e ) ( 8 ) request XXXX to be investigated for intentional non compliance and knowledge that its agents have violated FDCP statutes in XXXX and XXXX XXXX XXXX ( affirmative false representations and omissions of material facts to a third party collections agency ). 
Glasser and Glasser regularly collects debts as part of their business activities. 
It has threatened to collect on a charge off that has not been affirmed by the defendant or through the Bank with original signatures of the contract The harassment, illegal actions include vandalism of the property, stalking in XXXX. 
The Bank has from XX/XX/XXXX not responded to any requests for documents or communications. They have not responded to any mails. 

Please also include investigations into transfer of {$770.00} by XXXX XXXX XXXX without any notice in the mail or through email or call. 
Thereafter within, 30 days I received notice of private suit on a line of credit for {$10000.00} approximately opened in XXXX by the Bank through a third party collections agency ( XX/XX/XXXX XXXX   XXXX XXXX  ) Lawsuit in XXXX is further harassment impacting credit score and ability to obtain employment in XXXX and XXXX XXXX XXXX. The additional burdens of requiring lawyers who have the knowledge and ability to work on contingency has reduced my income and savings to below acceptable. The Bank has in various ways attempted to take private property and my access my 403 B on false grounds through harassment on the checking accounts and by alleging a false line of credit on card through fraudulent actions of bank employees.
Product: Credit card or prepaid card

XXXX, XXXX I was XXXX at work and placed on leave from work. I wasn't eligible for any supplemental income from my job until XXXX, during that time I was paying all my bills, including mortgage and utilities from my savings account and both my chase Credit cards. During this time I used my credit cards to supplement what income I was lacking, still trying to pay the monthly minimum on time. I stayed in contact with Chase card services about my situation, by XXXX, XXXX. I was completely out of funds and started to fall behind. I was not granted any extension and by XX/XX/XXXX, Chase card services terminated both of my cards I had with them and sold it to a collection services. This dropped my credit score drastically. I don't agree with there means, I was unable to gain any credit or loans because of this mishap. 12 CFR 1026.11 ( b ) ( 2 ) Account termination. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Product: Mortgage

We have a son who was an XXXX  and over the years robbed us. We tried to get him help, tried to keep him from getting at our money but XXXX  are very resourceful. We became behind in our mortgage several times and had some success with modifications. However two years ago he did it to us again, and we were once again behind. We have spent the last two years trying to work something out with US Bank and they will not assist us. The issue with our son as been resolved and we make more than enough money to stay in a our home, but the bank will not restructure our loan so that we can stay. With a restructured loan at .50 % more over the life of the loan only increases the loan by approximately $ XXXX dollars a month. This is all we want is a restructured loan so that we can stay in our home for a couple of years so that our credit can recover and we can downsize into a less expensive home.
Product: Credit reporting, credit repair services, or other personal consumer reports

So a credit repair agency has been sending out letters on my behalf to these credit agencies and in XX/XX/2021 my score went down again 59 points all because those letters were sent out and these students loans are so old I dont know why they are still on credit report after I complained about them to this company and Im paying a credit repair agency. Why is it so hard to remove student loans over 8 to 10 years old. Why is my credit getting damaged so bad when all the credit repair agency did was send out letters? And just 2 days ago my score went down -48 points because I missed only my first payment on my credit builder card. I made all my payments on time with that card and the one time I didnt -48 points and I owe only {$67.00} on that card! That doesnt make any sense too me Im so XXXX angry!! Ive complained about this in XXXX to this complaint agency and now I have to do it again. My credit score was at XXXX before all of this now its under XXXX.
Product: Debt collection

Cooling and Winter is trying to collect a debt which is not mines ; which is also pass the STATUTES OF LIMITATIONS ; Open Accounts : 4 years O.C.G.A. 9-3-25.

All of their reps that I have tried to communicate with was very unethical. 

Cooling and Winter refuse to send any written signed contacts or any verifying data about this fraudulent account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of Education XXXX Department of Education XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS...

15U.S.C. 1681 SECTION 602A. STATES ; I have a right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2. States ; A Consumer reporting Agent can not furnish an account without my written instructions.

15U.S.C. 1681c. ( a ) ( 5 ) states ; no Consumer Reporting Agent may make any Consumer Reporting Containing any of the following items of records of any information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to a Consumer Reporting Agency if the person knows or has any reason to believe that the information is inaccurate.
Product: Debt collection

Dear CFPB, Attached you will find my Proof of Claim, Conditional Acceptance for Value served to BAYVIEW Loan Servicing LLC, A Debt Collector, on XX/XX/XXXX certified sent certified mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

In addition, Under my private rights of action and administrative process I want to report that Bayview Loan Servicing LLC has repeatedly ignored and has failed to respond to my Qualified Written  Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

I never contracted with BAYVIEW at any capacity and have never had any business relationship verbal or written. The BAYVIEW Account # XXXX corresponding to my property at XXXX XXXX XXXX. 
XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

My Second Notice of Fault in Dishonor and Opportunity to Cure demand letter was served to BAYVIEW on XX/XX/XXXX Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX My Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served to BAYVIEW on XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

Finally, my Notarized Affidavit of Non Response was also served to BAYVIEW sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

As of today, BAYVIEW has not responded to my Proof of Claim and Conditional Acceptance, Qualified Written Request and Validation of Debt, Fault in Dishonor and Opportunity, Notice of Default in Dishonor Discharge of Obligation to Pay demand letters. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

American Express has employed unethical and abusive collection practices, has breached the terms and agreement of my two credit card accounts, and has substantially hurt my financial, physical and emotional well-being.

COMPLAINTS : # 1. - American Express violated the terms and agreement of two credit cards and attempted to collect a payment from me in ADVANCE of a payment due date.

My credit cards ( two ) were both paid as agreed and on time. I never had a late payment on any card since inception of the card. They attempted to get me to make a payment before a payment was due. This incident occurred in XXXX of XXXX. 

# XXXX American Express incorrectly reported my account type to the credit bureaus. Their negligence made it appear as if my approved credit limit was {$0.00} on my American Express Gold card. I was not supplied an established max credit limit at all. I was approved for an OPEN ENDED ( unlimited ) Gold American Express charge card. I contact American Express and asked them to correct their erroneous reporting to the credit agencies. AMEX reported my credit limit as " {$0.00} '' as a revolving account to the credit agencies. The account should have been reported as an opened ended charge account. Their mistake caused my credit score to drop substantially. 

# XXXX American Express XXXX XXXX XXXX  and XXXX. I began to notice a pattern that every time I contacted AMEX, the employees were using fictious first names. The names of the employees matched the names of my personal and professional contacts. They were answering the phone using the names of my personal contacts that are deceased family members.

# 4. At least two partners of American Express appear to be committing theft and acts of fraud or other crimes. My American Express Gold Card I suspect was stolen by one partner/merchant of American Express . I contacted AMEX to report the card lost or stolen and ordered a replacement card. The card went missing while I was renting a vehicle from XXXX XXXX, located out of XXXX XXXX XXXX NV. 

Furthermore, my card was declined by XXXX XXXX XXXX and XXXX without any reason at all. This incident occurred shortly after my credit card was stolen while I was still in an active rental agreement with XXXX. At the time, I was paid current on my credit card account and was not due for a payment. I had no late payments in the past and was not above an established credit limit. This incident occurred on XX/XX/2023. This is when AMEX attempted to collect a payment from me before a payment was due. 

# XXXX - American Express has cancelled both of my credit cards without my authorization and in retaliation against my cease-and-desist order. What is most upsetting is that I have been an excellent customer of American Express and have always paid on time. They abused me as soon as I began to use the card more frequently. They employed a " pay it later '' program that they are now reneging on.
Product: Credit reporting or other personal consumer reports

I have inaccurate inquiries and information reported on my Credit Report and I have not received any goods or services from any of these transaction. This goes against my rights as a federally protected consumer per the Privacy Act of 1974, 15 USC 1681, UCCC 1974,15 USC 6802, and 12 CFR 1026. I am entitled to the damages sustained by the consumer reporting agencies of {$1000.00} according to 15 USC 1681n Civil Liabilities. 

Enclosed are the following consumer reporting agencies : 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 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 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 Enclosed I have attached an FTC report, Affidavit of Signature, passport, current lease for identity verification, and XXXX Personal & Confidential page.
Product: Vehicle loan or lease

I have tried to resolve the issue on several occasions and company has not responded in the allotted amount of time by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from XXXX, TransUnion and XXXX regarding this account : XXXX XXXX XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from XXXX  comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2021, A hacker broke into my coinbase.com account ( after changing the password ) and three minutes later transferred 99 % of my crypto balance of XXXX CVC coins ( worth around {$3500.00} today ) out to their own crypto wallet illegally. I would like Coinbase to restore the XXXX CVC into my account on the following bases : 1. Failed to protect a consumer from illegal password change ( from unknown location ).

2. Failed to protect a consumer by disallowing transfers out within 24 hours of a password change ( no other serious financial application or entity allows transfers out within 24 hours of a password change ).

3. Failed to detect illegal and unauthorized transactions based on various red flags ( new IP, changed password, wiping the account empty within minutes of changing password, connection over a VPN ) etc.

4. No crypto exchange should be allowed to operate with such loose or non-existent consumer safety and security policies. Coinbase should be penalized for jeopardizing and exposing their consumers in a massive way.

I would like CFPB to investigate how a major crypto exchange is exposing consumers to major fraud by failing to implement simple policies like disallowing transfers out ( especially to other crypto wallets ) immediately after changing a password from a new location from customer 's regular IP address.
Product: Credit card or prepaid card

Comenity bank. Company calls multiple times per day asking for payment, have recieved 20+ calls in the last five days, they also have started calling from " private number '' when I have stated to the company I currently do not have the means to pay said bill due to financial hardship. It is harrassment at this point. My payment due is only {$32.00}, so this is ridiculous.
Product: Debt collection

A representative from Trans World Systems, Inc called my house at XXXX and asked for a XXXX XXXX. Caller Id said Toll Free Caller.The telephone number was XXXX. I told him that there is not XXXX XXXX here. I asked him why he was calling my house and he said to get in contact with XXXX XXXX. I asked if he was a debt collector and he refused to answer me. He told me that he ca n't. I hung up and dialed the number on caller ID. That is when I asked the name of the company. I asked him why he was calling my number and where did he get it? He would n't answer my questions. I told him that he can record this, " DO N'T CALL MY HOUSE ANYMORE. '' Then he asked me for the last XXXX of my phone number because he has XXXX numbers on his list ; I think he wanted to record me giving him my number. Obviously, he knew my number because when I asked him if he was a collection agency when I called back and he said he or his company called me looking for XXXX XXXX. Then he asked for my name which I refused to give. First of all, he has no right calling my house about any debt collections because I do n't owe anybody any defaulted debts. And even if I knew the whereabouts of a person, I would not tell them. Collectors answer no questions ; I answer no questions.Let them do their own work.
Product: Debt collection

Lvnv debit collector past on the debit to another collector. But no has not mail the original debit with their company
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information po report not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

2014 opened a credit line for my company XXXX XXXX XXXX or XXXX XXXX XXXX  at the XXXX XXXX office in XXXX XXXX Florida. The amount was {$280000.00}. I hardly remember all of the details but it was for the purpose of buying and rehabbing single-family homes. Since that time, I moved on to a bank in XXXX XXXX XXXX and the credit line was paid off. The bank was ultimately closed or sold and a credit union by name of ( I Think XXXX XXXX XXXX ) took over their office space. The credit report shows NO BALANCE DUE but it is causing me difficulty in obtaining credit as it was a credit line and not a mortgage indicating I could write a check at any time, however, there is no balance, and there is NO XXXX XXXX. This large amount is nonexisting and it is causing me trouble as it restricts my borrowing and shows a high borrowing on my part. What can I do to get this removed or at least a statement showing that it has been paid off and the bank does not exist? 

I just learned that it was only Transunion was the only reporting company that still has it on their reports. XXXX XXXX
Product: Student loan

In order to pay for college, I applied and was given a multiple student loans by SallieMae. Due to COVID as well as my mom being diagnosed with XXXX  XXXX XXXX XXXX, I had to temporarily put my studies on hold. SallieMae refused to work with me and, dispite not having any sort of income, demanded an obscene ammount of money. The cosigner contacted me and has told me that SallieMae threatned him with law enforcement action.