23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I initiated a US wire withdrawal from Coinbase for {$1300.00} on the XX/XX/XXXX. It was supposed to deliver on XXXX XXXX but it still has not after 46 XXXX DAYS.  Other customers have recently requested withdrawals and received their funds within hours or a few days. I made a complaint through CFPB 2 weeks ago and the response form Coinbase was that my case was being escalated and a specialist would reach out. I RECEIVED THIS RESPONSE 2 MONTHS AGO AND IS IDENTICAL TO EVERY SUBSEQUENT RESPONSE YOU GAVE ME OVER THE LAST 2 MONTHS. Just look at any of the cases Coinbase opened ( which i asked you to stop opening ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters and CFPB Complaint I have been sending to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus did not complied with the FCRA regulation and continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA, I am requesting that the Credit Bureaus remove the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$660.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are 7 collections accounts from MEDICREDIT physicians Billing. These are duplicate entries as both are the same account numbers and the same amount owed. 


The first items are {$420.00}, account number beginning XXXX, there are two, same date, same account number, and same amount. 

Next items : {$300.00} for three items, same dates, different billers listed XXXX XXXXXXXX XXXX. 

I would like these collections removed as I had no knowledge and they are all duplicate entries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX posted a charged off account to my credit report, without providing me information substantiating their claim. Also i never received any supporting 1099c document after charge off has been posted witch makes this inaccurate.
Product: Debt collection

I received a notice from XXXX, XXXX XXXX XXXX, XXXX XXXX that I was responsible for my deceased brothers debt. I have also received phone calls demanding payment. My brother was estranged from the family. I am not a cosigner on his debt. I need to constant contacts to cease. I have notified them of this and offered up a death certificate, however they stated that they have everything they need. The contacts still continue, this time in the form of a letter sent in my name indicating that I am responsible for my deceased brothers debt. This needs to stop.
Product: Payday loan, title loan, personal loan, or advance loan

Unresolved Issue and Continuous Payments for Undelivered Laptop - Immediate Attention Required I am deeply frustrated and disappointed with Affirm 's handling of my payments for a laptop I purchased on XXXX Monday ( XXXX ) but never received. Despite my repeated attempts to resolve this issue with both XXXX, XXXX and Affirm, Affirm has continued to process payments as if the transaction was successful. This situation is unacceptable and demands immediate attention. 

On the said date, I was home all day, working from my apartment, yet no attempt was made to deliver the laptop directly to me. XXXX claims a delivery was made and even alleges a signature was obtained, under the name " XXXX, '' which bears no resemblance to my actual signature. They have failed to provide any proof of this supposed delivery. My numerous calls to XXXX, XXXX and Affirm seeking resolution have led nowhere, leaving me to unjustly pay for an item I never received. 

This ongoing issue has forced me to purchase another computer, incurring additional unnecessary expenses due to the initial undelivered item. Living in a small apartment building in XXXX, California, which requires a customer 's signature for package deliveries, it's baffling how such a mistake could occur. XXXX 's delivery practices, especially in apartment settings, are clearly flawed, yet I am the one facing the consequences. 

I demand that Affirm halt all further payments until this matter is resolved satisfactorily. I expect a thorough investigation into this issue, a full refund for the laptop that was never delivered, and an apology for the inconvenience and stress caused by this ordeal. It's time Affirm took responsibility for its role in this situation and provided the customer service and support that I, as a customer, am entitled to. 

Your immediate attention to this matter is not only expected but required. I look forward to a prompt and fair resolution.
Product: Vehicle loan or lease

My name is XXXX XXXX have an active auto loan with regional Acceptance corporation on an auto loan. I am late with my payments and they have recently called a former Co worker of regarding the loan. My understanding is that it is illegal To contact family and friends of the person who has the debt. If that is the case then I would Like An Explanation as to Why my friend was contacted. She contacted me XXXX XX/XX/24 at XXXX XXXX  to Share that you Had called her.
Product: Credit reporting, credit repair services, or other personal consumer reports

his letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Debt collection

This debt was included in debt consolidation program and sold to MCM. 

This is NO LONGER my debt. I do NOT owe MCM. 

They have harassed me with phone calls, emails and collection letters. 
They have reported this debt to the Credit Bureaus causing me the inability properly maintain my household. 

MCM has caused undue and unnecessary stress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiry found in my credit report
Product: Credit reporting or other personal consumer reports

XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Financial has not reported the payments I have made to them, to XXXX, XXXX and XXXX since XXXX XXXXPlease update this reporting.
Product: Mortgage

At the end of last year, through the first part of 2023, I worked with my previous mortgage servicer ( XXXX XXXX ) to modify my loan. The process got delayed when I reviewed the XXXX & XXXX and disagreed with them. After a couple of months, we came to an agreement and all the paperwork was signed and officially executed. 

Almost immediately after signature, my loan was sold ( the notice for the sale of the loan happened a month before ). This was XX/XX/2023. As of XX/XX/XXXX, the loan still has not been fully boarded. Since XX/XX/XXXX I have followed up weekly, trying to facilitate completion. Each time I called, I got different rationales for the delays and what needed to occur, including : XXXX. Wait 60 days, thats how long it takes to board - We are beyond that XX/XX/XXXX date XXXX. The paperwork wasnt received - on other calls, confirmed it was received and I have a copy directly from them ( my loan modification ) 3. Paperwork was never completed because it wasnt notarized. Both the new servicer and on my own, have validated that it did not require a notary, and I was told I completed all actions 4. After 60 days, be patient 5. Asked for the paperwork to resign and was told it would be sent, but it was never sent In the interim I am getting demand notices, notices that my modification is no longer approved since I did not complete paperwork in time. They erroneously paid real estate taxes ( I have no escrow ) and worse, to the wrong period due. I tried to make payments and was told not to make payments until everything was resolved ( I ended up making my XXXX payment and will make my XXXX payment by the end of the month ). Threats that my mortgage would foreclose potentially in XXXX. 

I finally lost my patience yesterday. After working with someone who claims to be in their Executive Office for the last two weeks with her promise to facilitate completing and staying in touch. She calls me once-a-week to tell me basically nothing. XXXX  she said they FINALLY received the paperwork from the other lender ( confirmed from previous phone calls they received it at least XXXX weeks ago ). I asked for a timetable to complete. She could not give me one. I asked her what the issue was with the boarding. She did not give me one. 

What makes it worse is I get emails/texts/calls about being delinquent. To add to it, when she calls me she asks if she can record the conversation. I ask the same question and she says no ( as I now, apparently know, in XXXX  I can record if I consent to the recording ), in preparation for a lawsuit. I have asked them to retain recordings. I want everything on record. She then tells me that anything discussed will be used to collect a debt, before giving me an update with no information. She told me to ignore the demand letters and I asked her to put that in writing and she said that she could not do that. 

Finally, my online dashboard shows incorrect amounts paid to my previous lender ( omitted payments ), incorrect escrow, incorrect tax information and incorrect last payment date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a XXXX TV from XXXX that was financed with an Affirm loan at check-out the total cost was anout {$640.00}. I was to make a downpayment of approximately {$240.00} on the cost of the TV with a remaining balance of approximately {$400.00} financed through Affirm. XXXX delivered the TV late, it arrived late on XX/XX/XXXX and was completely damaged. On XX/XX/XXXX the same day I requested a replacement. On XX/XX/XXXX I was required to make the downpayment ( even though the item arrived damaged ) because of the loan with Affirm. I made the payment of {$240.00}. On XX/XX/XXXX XXXX issued a {$200.00} partial refund of the cost to my Affirm loan balance for the damaged product and shipment delay. The TV was picked up from my home and scanned by two XXXX  agents ( one XXXX  male and XXXX  female ), on the same day XX/XX/XXXX. Despite multiple calls, XXXX refused to issue a replacement until the original item was received at their warehouse in Nevada, following which I would not receive a replacement until 5-10 business days after. On XX/XX/XXXX I cancelled the order and requested a full refund and cancellation of the loan balance with Affirm. Affirm indicated it could not cancel the loan until XXXX had issued a full cancellation/refund. The tracking confirmation indicates the TV was returned to XXXX on XX/XX/XXXX XXXX  tracking number. On XX/XX/XXXX XXXX responded to my email stating : " I found today that the XXXX Return Tracking # XXXX, for this original order # XXXX, shows as delivered to our XXXX XXXX, NV return center on XX/XX/XXXX at XXXX. The return center is allowed 7 days to check in the shipment and inspect it, as well as initiate the refund into system back to cx 's account, if everything checks out ok. This is the normal process in refunding an item that's return policy calls for 'Post Receipt Replacement '. You should be able to see your refund back in your Affirm account between now and Wednesday, XX/XX/XXXX. '' To date no refund has been issued to my Affirm account. I have contacted Affirm and notified them that the balance is disputed, however, Affirm claims it will require payment by XX/XX/XXXX, of the balance and will report the unpaid balance to my credit report if not paid on that date. I have filed a fraud dispute with my bank to return the {$240.00} payment, however affirm is still maintaining a balance of {$230.00} on my account. No response has been received from XXXX despite multiple emails and contacts on social media. I would like to state that if Affirm misreports the balance owed as unpaid resulting in a negative remark on my credit report, I intend to file a FCRA claim for damages to my report in the amount of {$2500.00} for each misreported item per each report. I have notified XXXX and Affirm and provided them with ample time to investigate and correct the errors.
Product: Credit reporting or other personal consumer reports

Reporting of medical debt after law passed prohibiting medical debt from appearing on credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX is not accurate and should be removed immediately.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} INQURIES XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting, credit repair services, or other personal consumer reports

SOUTHWEST CREDIT SYSTEM Original creditor : XXXX {$660.00} Balance updated XX/XX/2020 Account Number XXXX Contact XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX I have disputed this item several times. I have never had an account with this company or XXXX. During the time of this account I was XXXX anyway so it is definitely fraud. I told them this and that I have no contract with them and they have never even verified the account as valid. So it needs to be removed and never attached to my name again.
Product: Debt collection

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX 2017 To Whom It May Concern : This letter is to inform you that the validity of this debt is disputed.
Your firm has continuously contacted me over an alleged debt in the amount of {$1700.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX  Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARIZONA,  XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter.
Sincerely,
Product: Credit card or prepaid card

I recently paid off my full balance on my credit card only to have Comniety Bank lower my credit limit from XXXX to XXXX. I called to inquire and I was told that this was because I asked for 2 billing cycles pause payments due to Covid-19. I explained that I believed this was done wrongfully because this was part of the cares act. They then quickly changed it and said it was the banks decision based on my credit. I explained that I had done with a few of my credit card but then decided to pay with some cash I had. The women on the phone then told me she could deposit an increase. I declined and decided to close my account. I feel they are not doing things correctly and this warrants a complaint.