23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

For at least five years or so, my minimum payment was {$25.00} a month. All of a sudden, as of XX/XX/2019, my minimum payment has been increased by {$10.00} for a total of {$35.00}. This was done without explanation or notice. I would like my minimum payment to be set to {$25.00} like it was ; and if not, explain why the increase has occurred.
Product: Credit reporting or other personal consumer reports

Ive tried to resolve this issue multiple times with the credit bureaus and after confirmation from XXXX XXXX it seems that it is on the credit bureaus end. They have provided all documentation that states they said to delete this adverse credit from my account it but they arent deleting it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an orginal consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately : 1. XXXX  XXXX XXXX 2. XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby required as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus are giving me a hard time. XXXX, XXXX, and Transunion are in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Please delete the late payments on XXXX XXXX XXXX accounts # XXXX and from my consumer report, this agency is in violation of XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  account # XXXX also review the account there are a discrepancy and they refused to review regarding the late payments.
Product: Money transfer, virtual currency, or money service

Case # XXXX I asked to disable my GDAX ( Coinbase ) access because I was robbed of my phone. I requested via email to reactivate my account on XX/XX/2018. They sent me system generated email without a ETA. 
I called via phone on XX/XX/2018. It took me an hour to reach the customer representative. She sent me an email asking me a few questions and told me a specialist would work on it. Again, an ETA is not given. I responded right after I received the email. 
Until now ( XX/XX/2018 ), I have not heard back from GDAX. And I have {$5000.00} on my account that I'm not able to access or cash out.
Product: Checking or savings account

Yes on XXXX the XXXX I called the phone number of pnc bank. Too check all withdraws on my debit card. I called XXXX too double check too make sure I have enough too make a XXXX withdrawal. The automatic voice said I have XXXX left after all transactions too make the XXXX withdrawal. So I did. Than a day later said I'm overdrawn by XXXX Dollars. I called pnc bank about the problem. They told me I don't have overdraft protection. She told me the atm should have rejected me on transaction. I told her I'm very upset. Been a long time member. This never happened too me before. If they check the record on all transactions. They will see I made withdrawal after all transactions too. The lady sent my information too escalation dept the lady from escalation dept did call me also. Left voicemail. I did return her call. XXXX on her. I feel since there was a error. I should get credit of XXXX also was not my fault. Atm should have rejected me also. I'm.on XXXX living paycheck too paycheck. Going thru hardship. Did not need this problems
Product: Debt collection

LVNV has repeatedly called me all hours of the day and night and does not provide any information regarding who the creditor is or validation of this debt. Most people who call are foreign and they don't answer me. Some of these collectors have called and cursed a me. I pulled my credit and it states " Original Creditor Unknown '' so How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, XXXX ; XXXX  and Transunion are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against XXXX  ; XXXX and Transunion because I have tried to fix this issue with them, but they are still reporting the late payments.
Product: Vehicle loan or lease

This is a complaint that I want to be published as well. I have been continuously trying to resolve this issue with Hyundai Motor Finance directly ( from 1-800 customer service number to CEO ) ; however, this company acts in unreasonable manner. Additionally, it does not shows signs of the company that cares and wants to maintain the relationship with loyal customer. 

-Upon end of lease ( XX/XX/XXXXXX/XX/XXXX) received few bills with {$0.00} balance ( see attached ) - this is miscommunication. 
-Then found out about " lease end fee '' - sent USPS coupon with payment ( never published due to USPS or other mishandling ). 
-Out of country until XX/XX/XXXXdue to family emergency. No calls were received. Under assumption that payment was posted. 
-Upon return realized that no payment was received by Hyundai . Attempted to make electronically - see attached. Payment bounced as per Hyundai due to account being " closed ''. This is another of my many attempts to make a payment. 
-Finally was able to make a payment onXX/XX/XXXX Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due ( family emergency ) and due to companies inability to communicate and handle correspondence in the efficient manner. 

As a result of this, Hyundai responded with not being able to assist. Instead, they reported me to all 3 bureaus with 120 days late and ruined my excellent FICO score from XXXX to XXXX. Totally unprofessional and unreasonable company.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bank of America institution is monitoring my credit. I do not have an account with this financial institution and have not consented to this monitoring. 

The checks happened on the following dates without my knowledge or consent : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am unaware of inquiries showing on my credit report and collections I have asked to show proof such as signature, social, Id I am unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> also collection from XXXX XXXX XXXXXXXX I have called them directly and no results I feel like I am being unheard and very annoyed that I have to go extra mile for something on my profile that I did not authorize I have asked credit bureaus and creditors to obtain proof of my identity with these accounts and they have did nothing but denied me of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my report that are invalid and are improper use of my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that XXXX XXXX, XXXX had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the letter I received from XXXX XXXX, XXXX that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Product: Debt collection

I have previously stated that I have no debt with XXXX XXXX and CAINE & WEINER COMPANY, INCXXXX has not sent me anything by mail notifying me of a debt or my right to dispute it, violating the law. If they sent the verification certified then they need to send the confirmation that the letter was delivered and to what address. I have received many things from XXXX XXXX through e-mail and regular mail and not 1 thing was a bill. Also, the collection agency has had more than enough time to provide verification of debt.
Product: Student loan

On XX/XX/2022 I submitted an Borrower Defense Claim against Student loans who were defrauded by XXXX XXXX. It has been known that President Joe Biden has cancelled loans from anyone who attended XXXX Its now XX/XX/2022 and still no response and Federal student loans are still on my consumer report.
Product: Mortgage

Failure to Disclose Appendix XXXX H : It has come to my attention that the documents provided during the mortgage transaction process failed to include Appendix XXXX H, as required under 12 C.F.R. 1026.37 ( g ) ( 4 ). This failure to disclose important documents constitutes a serious breach of regulatory requirements and compromises the transparency and completeness of the transaction. 

RESPA Violation : Furthermore, there have been apparent violations of the Real Estate Settlement Procedures Act ( RESPA ), specifically regarding the disclosure of crucial information related to mortgage transactions. The failure to disclose essential details as mandated by RESPA raises serious concerns about the fairness and legality of the transaction. 
Failure to Disclose Mortgage as Security and Investment Contract : It has been observed that there was a failure to disclose adequately that the mortgage associated with the property in question is a security and an investment contract. This lack of transparency regarding the nature of the mortgage undermines the rights and protections afforded to all parties involved and may have significant legal implications.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reported balance is {$0.00} for Discover Financial XXXX  on my credit and states " Account information disputed by the consumer, meets FCRA requirements. '' I reported the identity theft ( see attached police report ) on XX/XX/XXXX and in regards to this specific account on XX/XX/XXXX ( see attached police report ). This account is still showing on my account and I need to have it removed.
Product: Debt collection

LVNV FUNDING is in violation of multiple FEDERAL LAWS under Title 15 of the United States Code, more particularly listed herein below. LVN FUNDING LLC is using false, deceptive and misleading representations, and engaging in false and deceptive trade practices whilst purporting to be the CREDITOR and/or collecting on behalf of the alleged creditor. They have placed a collection on my credit report while violating federal laws, essentially damaging my reputation and causing financial harm.
Product: Student loan

On XX/XX/2022 I dropped classes from my school XXXX XXXX and they sent over information regarding my refund to Climb, the lender handling my loan. I have tried multiple times to contact Climb because my loan balance has not been updated and it's coming up on two months now ( ll the while I'm being charged interest on the full balance before the refund ) since the initial refund request was requested. I tried calling but when you call the number on the Climb 's website the IVR tells you to email and then disconnects the call. I emailed them several times and I keep getting a canned response saying the refund is " in process ''. I am not sure why it would take over two months to process a refund. I just want my account to reflect the correct amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 1681 c. ( 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

Upon calling the collection agency Equifax stated I have a debt with, the agency informed me that they have no record of me having an account with them, which is correct because I can not recall any debts with XXXX. This acct was already in dispute for more than 120 days and was still showed reinvestigation in progress. I notified Equifax and they stated they could only remove the comments and it had to be redisputed ( see attachment file dispute1a ) conf # XXXX. After I was informed the comments attached to this acct were deleted I went to Equifax.com and filed a dispute with the confirmation # XXXX. When I called the same day to confirm that the dispute was submitted, I advised them I may have picked the wrong reason for dispute in error. Another confirmation was given to me # XXXX to correct this. Upon reviewing the report during that time I noticed that they had duplicated the exact same acct onto my report with the same exact acct #, bal, debtor, etc. I waited 30 days and received documents stating that these acct 's were delete ( see attachments ) and investigations were closed on XX/XX/2017. When I reviewed the Equifax report it still showed the exact same acct that was to be deleted with the duplicate acct gone. I called Equifax and asked why the acct was still showing on my report. They stated that they could not remove it and to call the collection agency again. I advised the agency will not help me and that they have no record of me having a debt with them and referred me back to equifax. I also advised them that I received documents from their own system stating the acct 's were to be deleted and they still did not delete them. They stated another dispute must be filed and they went ahead and filed an additional dispute with confirmation # XXXX. This is in strict violation of FCRA one, because it is taking more than 30 days, and two, they 've already told me they investigated it and it was to be deleted. I am in the process of trying to obtain a loan and they are not cooperating whatsoever. This acct needs to be deleted. Please PLEASE help me.
Product: Debt collection

YOUR COMPLAINT I am not liable for this debt of XXXX with XXXX XXXX, XXXX XXXX XXXX Account Number XXXX : **** I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification. 
+ XXXX XXXX