23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Well I try to fix this Situation number of times. 
XXXX XXXX XXXXXXXX month but they kept hanging up the phone because I forget my pin number I gave my Social security number to reset it's but they still block me from getting.through. XXXX XXXX prepaid Card I names will my Social Security that I don't know XXXX XXXX. under my Social security number & XXXX XXXX using my old Address in XXXX XXXX
Product: Vehicle loan or lease

I am in the process of trying to register a used vehicle that I purchased. I was stopped in this process because a past lien showed up on the vehicle. The company was listed as BNYMTC AS COLLATERAL AGENT. I found it very difficuly to find the company online, and was finally able to speak to a company representative on XX/XX/23. He interrupted me and tried to tell me that I called the wrong division before I even explained the situation. 

After then allowing me to explain the situation, he verbally gave me an email address to contact, which I did that same day. 6 days later and I still did not hear back from the company. I sent them a follow-up email on XX/XX/23 and they responded with : " Unfortunately, you have reached the wrong department as we only handle residential properties. We do not know where internally this would go. '' The company 's neglect in helping me to promptly resolve this issue has caused me to not be able to register my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Product: Credit reporting or other personal consumer reports

XXXX the Higher Education Act and the real U.S. Department of Education regulates the Federal Consolidation Promissory which requires the Disclosure Statement and Repayment Schedule ( disclosure ) be sent at or about the time the fedral consolidation loan was distrubited, this is written on page XXXX XXXX XXXX of the federal consolidation loan application and promissory note. XXXX send the Disclosure Statement and Repayment Schedule. The disclosure statement will have the federal lender name who orginate the federal consolidation note and education code, date money was distrubuted, what federal lender received the money, amount of money distributed and date of distribution, terms of repayment of the money, each federal loan promissory note consolidated from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  my federal lender, date the federal consolidation loan can be canceled, statement if the federal loan goes in default who can a person contact, my legal address and the federal lender orginator website address that the application was completed. XXXX without the Disclosure Statement and Repayment Schedule means no money was distrubited. XXXX on page XXXX of XXXX of the federal consolidation loan the loan holder name is XXXX XXXX XXXX, I never had a loan with XXXX XXXX, no entity exist with name of XXXX XXXX XXXX. Your federal consolidation loan was not consolidate with my lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX why? The loans listed on page XXXX are not my federal student loans. XXXX send the E-Sign contract to verfiy the type printed name and my physical address as the application requires and wrote, no XXXX XXXX without a physcial address. 
XXXX you are wilfully in violation of the Fair Credit Reporting Act for not supplying the Disclosure Statement and Repayment Schedule. XXXX you have prevented me in obtaining a mortgage. I have to renew my lease for higher rent payment. XXXX you have damaged me. XXXX it does not take up to 60 days to send me the Disclosure Statement and Repayment Schedule in which is manditory. With in four days after receiving this complaint XXXX does not send me the Disclosure Statement and Repayment Schedule my summons and complaints is ready to file. 
XXXX send me the Disclosure Statement and Repayment Schedule now.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XXXX I accidentally initiated a debit card withdrawal in the amount of {$2700.00} on an old card on file with a Bank that was purchased twice and ultimately absorbed by XXXX XXXX  ) oddly enough they still let you use the old card, so the transaction went though. I put the transaction through haphazardly and when I reached out to XXXX XXXX  ( account since closed ) they said it's been rejected and will be returned to Coinbase. 

The transfer was initiated XXXX and has been rejected by XXXX XXXX  every single business day since. Coinbase blames the XXXX XXXX  and XXXX XXXX  has been unable to reopen the account or capture the transaction since it's from an old debit card. I've called several times and there's been instances where Coinbase was unable to find the transaction unless I provided the withdrawal number. I've called each business everyday and get the same resolve - Coinbase : Request sent to a specialist and check your emails. I've visited XXXX XXXX  twice and was informed there was nothing that could be done on there end including holding the funds and/or reopening the account. 

I've entered Coinbase tickets on XX/XX/XXXX and XX/XX/XXXX. 

This is all of my bill funds.
Product: Money transfer, virtual currency, or money service

XX/XX/year> for {$4600.00}. I filled a dispute, I gave the company a police report and also a reference number and information from the company where the transactions took place, all this information showing them it wasnt me. Also hospital papers showing them I was hospitalized having my newborn baby. Also I appealed this dispute about XXXX times and they never even tried to look at the information Ive gave them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage servicer, XXXX XXXX, is reporting a higher unpaid balance that what it owed. I disputed this with them at the start of the year and it was corrected and now it has happened again. My unpaid principal balance as of XX/XX/2022 is/was {$130000.00}. They reported for XXXX {$130000.00}. They are stating that they have to report past due interest, fees, and escrow. Until recently, they have never reported anything but the actual balance. This is effecting both my wife and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXX Kia XXXX XXXX was repossessed and sold at an auction XXXX XXXX. I called Kia finance America today XX/XX/2022 for the details related to the sale because on my credit report its reporting as a XXXX balance due. I called XXXX XX/XX/202XXXX XXXX XXXX XXXX to request the bill of sales for the car sale transaction I was told by an employee that they dont have it. Employee stated that the auction doesnt provide a bill of sale to them. I said okay and hanged up, I called back again at XXXX XXXX to inquire how much the car was sold for the I spoke to the same person and this time around she was extremely rude and snappy at me. I asked her well how much was the car sold for? I was told {$22000.00}. I hang up and I called again for the XXXX XXXX to request in writing that my debt was essentially paid off in full. I got transferred to their lawyer department was on hold for XXXX XXXX and when someone picked up the phone they just abruptly hanged up. I just want the documentation that I was supposed to get in the XXXX  place stating if I owe any money or not. Which I know I dont owe anything because If I did XXXX XXXX XXXX sure they will be breathing down my neck for their money.
Product: Credit card

I had a family emergency last week and I had the ability get an emergency pin number on one of my AMEX credit cards. I have XXXX. The card for my business had a credit line of {$500.00} because I transferred that credit line successfully to another business card last year. My Amex Open Blue is a personal credit card and I was trying to transfer the credit of {$2000.00} to my AMEX business card in which Amex was willing to help with my pin number for a cash advance. I do n't remember why the AMEX blue could not be advanced, even though I just paid it off in full -- $ XXXX. I think it was because that particular card did not allow for cash advance Amex attempted to pull the credit over to the business card, but could not. The way it was explained was that there was an internal issue. Unbeknownst to me Amex had improperly and without disclosure ran my credit report and received a score of XXXX. Mind you, I just paid off a series of credit cards so this credit hit came at the worst time possible. I just got the denial letter.
Product: Mortgage

Trying to sell our home- we have a VA loan with Loan Depot. According to our closing documents, the loan can be assumed by the new buyer. Called and spoke to Loan Depot and were told that the process can take up to 180 day ( 6 months ) due to all the paperwork involved and the communication back and forth with the VA. 

I spoke to the VA and what Loan Depot is doing is wrong- they are purposely DELAYING the process due to the fact that they only get {$300.00} in origination fees and we have a low interest rate at 2.25 %. All the paperwork for the VA 's concern is done POST CLOSING! 

Loan Depot would rather the new buyer take a conventional loan because they will not make their money on this assumption of our mortgage. 

I called to ask for an expedited process for the assumption, but was told - " that is the way it is. '' As a result, we will lose the sale of our home as well as lose the home we are building because they delay this process for their convenience. Why? Because they CAN! And we will be homeless - that is NOT something the VA wants. All because Loan Depot CAN! 

Current mortgage rates are high and the process for a conventional loan would take LESS that 45 days to complete AND CLOSE! Yet, if you are assuming a loan- all you have to do is qualify- like you would for a conventional loan. Absolutely NO REASON for this time delay. 

I have names of folks I spoke to both at Loan Depot as well as the VA. I logged all the converstaions.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 card

I recently found that CitiBank enrolled me in a debt protection program without my knowledge and I have been paying it for several months. We are talking about close to {$1000.00}. I am in the process of contacting them, but why are they able to enroll me in a program without my knowledge? Will i be out all this money or will they reimburse me for all payments.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or other personal consumer reports

In XX/XX/year>, I checked my Equifax credit report and noticed inaccurate accounts reporting to my credit report. On XX/XX/XXXX, I placed a fraud alert on my credit report. On XX/XX/XXXX at XXXX XXXX, I called Equifax Customer Service but could not get through to a live agent. I decided to file an FTC police report with all the fraudulent accounts listed. On XX/XX/XXXX, I sent Equifax a certified letter with the FTC police report, including a dispute letter and proof of identity ( driver 's license, SSN card, and utility bill ), explaining to Equifax that these are not my accounts. 

On XX/XX/XXXX, I received a response letter from Equifax acknowledging the receipt of my information and stating that they will not block the information as they need to contact each creditor. They indicated that I should expect results within 30 days and requested that I resend proof of identity. On XX/XX/XXXX, I sent Equifax my proof of identification again via certified mail. 

After receiving my proof of identification again, I received another letter from Equifax on XX/XX/XXXX requesting once more the account names, numbers, and specific items that I am disputing. I had already provided Equifax with a detailed letter outlining the disputed items the first time via certified mail. On XX/XX/year>, I sent Equifax the same dispute letter via certified mail. 

On XX/XX/XXXX, I received yet another letter from Equifax requesting that I send proof of identity again. Due to my identity being stolen, I decided to submit a copy of my social security card with the first XXXX numbers redacted, as well as the initial digits of my driver 's license. Equifax is stating that my documents are illegible. 

Equifax 's actions appear to be stall tactics. This is a clear violation of the FCRA 605B, denying my rights to have these fraudulent accounts blocked. I have submitted the same documents to the other credit bureaus and they have assisted me by blocking the fraudulent accounts.
Product: Credit reporting

I have filed three requests with Trans Union requesting that they remove incorrect information from my credit profile. They refuse to do so.
Product: Checking or savings account

XX/XX/year> XXXX Called the bank no resolved to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX with Nissan /Infinity. 
Please refer to case # XXXX for background of this complaint. Nissan reported to 3 credit agencies but still remains on XXXX. Emailed them to no avail, has not been removed.In email dated XX/XX/2019 to grounding team, see below, XXXX XXXX from XXXX XXXX of XXXX was assured this would be removed. Again please refer to past complaints, this charge being pd was the fault of XXXX, not myself.
Product: Debt collection

I cosigned for a lease on XXXX and asked that my name be removed via a phone conversation in XXXX. I had no knowledge the lease was still in my name as all communications from them stopped. 

In XX/XX/XXXX a collection debt for {$15000.00} showed up on my credit. When I called they advised me it was for the lease I cosigned. I asked for proof that I signed a new lease in XXXX and they have not been able to provide it and is charging me {$2.00} in daily interest. 

They sent me a letter statement of the balance owed but no proof of the lease with my email that the leasing company had on file for me.
Product: Debt collection

Since XX/XX/2020 I have been sending dispute letters to Experian to send me verification of two debt collections in my account and they have failed to do so. They keep and saying it has been verified and they havent verified with me or have sent proof that the collections are mine. There are for XXXX. XXXX, XXXX and XXXX XXXX. XXXX  and XXXX   hace removed those collections because they dont have proof that these collections are mine but Experian has failed to do so. 

I have also requested for all three bureaus ( Experian, XXXX  and XXXX XXXX to verify debt from XXXX XXXX and XXXX XXXX which are Charge Off closed accounts. I have requested verification of debt since XX/XX/2020, and nothing has been done. 

For both issues Ive sent letter for them to send me proof debt since XXXX, XXXX, XXXX, XXXX and no verification of debt has been sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I called XXXX XXXX XXXX to resolve an issue of XXXX of my XXXX accounts showing a closed status on Transunion when only should be a suspended status and talked to several agents and no resolution came up. This is a violation of FCRA and I'm willing to seek monetary resolution as well.
Product: Debt collection

I am writing to dispute the debt you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., specifically 15 U.S.C. 1681-S 2 ( 7 ) ( a ), I have the right to dispute the validity of this debt. Here are the specific reasons for my dispute : Validation of Debt : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ), I request that you provide a written validation of this debt, including the amount of the debt, the name of the original creditor, the dates of service for the debt, and my signature on the contract of this debt. I also request information on how I can dispute the debt electronically, as allowed by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I request that you cease all communication with me regarding this debt collection effort. This is in accordance with 12 CFR 1006.34 ( d ) of the FDCPA. Please note that I will not acknowledge this debt as valid until I have received the requested information. I expect a response to this letter within five ( 5 ) days of the date it is received. Thank you for your time and attention to this matter.