23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i received a letter from a company named Resurgent Capital LLP They started the letter by saying thank you for your inquiry I never contacted them then they sent a old copy of a judgment that was already dismissed In XXXX XXXX XXXX XXXX NY by a Judge. they stated i still owed an amount and they was collecting and was going to continue to pursue this dept. First i never contacted this company and did not need to since this dept was thrown out in XXXX but in XXXX they Fraudulently sent a old useless judgment and lied saying i contacted them
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX I bought XXXX USD worth of XXXX on CoinBase using my XXXX bank account, without being asked for personal identification. 

On XXXX XXXX the value of the XXXX has gone up and since XXXX futures would start trading on XXXX XXXX I decided to reduce my exposure and attempted to sell the XXXX USD worth of XXXX I was only able to sell XXXX USD worth of XXXX  into us dollar at the exchange rate of $ XXXX/XXXX  HOWEVER, Coinbase asked for my personal identification in order for me to sell the rest of the XXXX. Since I am a XXXX student in the US using a XXXX XXXX I am unable to provide my SSN, so I had to take pictures of my passport and send it to Coinbase.

Coinbase uses a third party to verify my XXXX ID and the third party is not working. I have waited for two hours and still have not got a comfirmation, and the value of the rest of my XXXX is going down rapidly ( down 7 % since I have initially attempted to sell ) as of the time I am writing this. 

Why did Coinbase not notify me of this when I made the buy order? Now my assets are being exposed to risk that I do not wish to because I can not liquidate them into US Dollar due to Coinbase 's identification system not working for XXXX XXXX holders.
Product: Credit reporting or other personal consumer reports

In my recent credit report from EQUIFAX, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation. 
I formally disputed this bankruptcy record with EQUIFAX, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, EQUIFAX failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ). 
Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries reporting on my credit report that should not be on my credit report. One is a fraudulent inquiry that I have disputed and it still is reported on my report this should be deleted ASAP. The inquiry is XXXX  XXXX XXXX XX/XX/XXXX. And the second inquiry is over two years old and should be removed off my credit report this inquiry is XXXX XXXX XX/XX/XXXX. This inquiries need to be removed off my credit report immediately. 

My name is XXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Ga XXXX
Product: Credit reporting or other personal consumer reports

I'm personally submitting this complaint about late payments on my credit record. My review revealed these late payment entries. Despite sending inquiries over a month ago, I've received no response or adequate validation. I'm requesting your assistance to resolve this issue quickly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

SHOWING INCORECT INFORMATION BALANCE WITH XXXX
Product: Credit card or prepaid card

I had a citi bank XXXX XXXX XXXX XXXX. XXXX decided they were switching to XXXX XXXX for XXXX XXXX. I told them I not want an XXXX XXXX Card and I did not want them to transfer my information to XXXX XXXX. Citi Bank said the only way to stop this was to cancel my citi bank credit card. I did this, but I still received a XXXX XXXX Credit card in XX/XX/2018. This means XXXX XXXX was given my information without my consent. Citi Bank gave my information to XXXX XXXX even though I expressly told them not to do so.
Product: Credit card or prepaid card

On XX/XX/XXXX my wife and I contacted Capital one about a bill we received that was not our purchases and what we concluded was there was a error created by capital one. Which was that In XX/XX/XXXX I added two authorized users to my account with only providing authorization for one person  obtain a credit card. However, the third authorized user already had a personal account with Capital one. In XX/XX/XXXX the third authorized user with her own personal account lost her credit card and proceeded in XX/XX/XXXX to contact Capital one for a replacement at that point she gave her social security number and Capital one located both accounts but made an error and sent her a card for the account that I am primary over without my authorization or even verification of the account because she has no knowledge of my personal information. Once we tried to explain to capital one we spoke to a rep and two levels of supervisors one by the name of XXXX XXXX who provided horrible, disrespectful Customer service.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX saw some hard inquiries thats did not have permissible purpose.i also attached evidence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> This inquiry has no permissible purpose to be on My report.delete inquiry due to violation of 15 usc 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted two disputes online, one on XX/XX/XXXX and the second on XX/XX/XXXX to the credit bureaus. My rights have been violated by not doing a fair and complete investigation on these accounts and by not notifying me with the results. 

Two accounts on my credit report increase the balance every month. 
XXXX Account # XXXX Chapman Financial Account # XXXX XX/XX/XXXX, XXXX balance increased by {$1.00} XX/XX/XXXX Chapman Financial Increased {$7.00} XX/XX/XXXX XXXX increased {$1.00} XX/XX/XXXX Chapman increased {$8.00} XX/XX/XXXX Chapman increased {$9.00}, XXXX increased {$1.00} XXXX XXXX is also showing a payment was made on XX/XX/2016 when I have never verified this account nor made a payment to them. 

I don't believe the balances should be changing as these are collection companies, not original creditors. They are also showing a past due balance, when they are collection agencies and should not be reporting past due balances as I have never had an agreement to make a payment with them so how can something be past due?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a CFPB complaint against Experian requesting for the corporation to provide me their method of investigation. Experian has failed to provide me with their investigative method as of XX/XX/XXXX. The company didn't not investigate these alleged accounts nor attempted to investigate. Based off previous disputes, the company failed to investigate based off. I have attached the report with the findings to prove Experian failed to investigate On credit report number XXXX for XXXX, XXXX, the Company reported on XXXX XXXX XXXX XXXX Acct XXXX XXXX Experian stated this item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX partial acct # XXXX The item was updated from our processing your dispute in XX/XX/XXXX. XXXXXXXX XXXX XXXX Acct # XXXX Experian stated that the item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX XXXX  Acct # XXXX Experian reported that this item remained unchanged from our processing of your dispute in XX/XX/XXXX. Experian reported on XXXX XXXX XXXX Acct # XXXX this item was updated from our processing of your dispute in XXXX. XXXX XXXX XXXX  Acct XXXX Experian stated that this item was updated from our processing of your dispute in XX/XX/XXXX. Experian reported that XXXX partial account XXXX item was updated from our processing of your dispute in XX/XX/XXXX. Experian stated that with XXXX XXXX partial account XXXX the item was updated from our processing your dispute in XX/XX/XXXX. Experian is failing to offer me with the investigative method and is not researching these accounts adequately. I am attaching the report and have circled Experian failing to due their due diligence to me as a federally protected consumer. I am asking for the account to be updated and or deleted according to my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND TRANS UNION REFUSES TO REMOVE I HAVE SENT THE AFFIDAVIT, I RESIDE OUT OF THE COUNTY NOW THAT IM BACK HOME I HAVE FILED THE REPORT AND WILL ATTACH BELOW ( XXXX HONERED IT BUT TRANSUNION REFUSES ) AS PER FCRA 605 C THIS INFO MUST COME OFF WITH IN 4 DAYS. AS AN XXXX XXXX XXXX, NOT SURE WHERE THIS ACCOUNT IS COMING FROM XXXX CFPB COMPLAINT NUMBER XXXX
Product: Debt collection

XXXX of Texas had this account and has sold it to different companies apparently, because once we completed our bankruptcy successfully in 2017, Phoenix Financial Services started harassing us and they said that this bill had passed its limitations but we could still settle the debt!! I informed them that we paid all our debts through the bankruptcy but they said they wouldnt contact us anymore!! They still put this on our credit once and we gave them our bankruptcy attorneys information as well!! The company name is a collection agency Phoenix Financial XXXX
Product: Checking or savings account

On XX/XX/2020 an unauthorized transaction was debited from my Sun Trust account I was at the bank in the teller drive thru when it happened i went inside the bank the manager called the fraud department filed the claim I'm at the bank. In five business days they credited my account {$500.00} while the claim was being investigated i tried on multiple occasions to provide documentation via email but the email address was wrong now to rebut i need a printer and a fax Sun Trust told me they don't believe me and that this seems to be a valid charge this is a scam but with all that i said don't pay it it was pending for 3 days they need to get my money from cash app the person that charged my debit card this is not like Sun Trust will be paying for this just get it back, this is social security XXXX money and its mine not Sun Trust they can not say we don't believe you and pay something i said don't pay
Product: Student loan

I graduated from law school in XX/XX/2023. As a result of law school, I have {$210000.00} in student loans in the form of XXXX loans ( XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). 

EdFinancial is not responsive over emails, and I've needed to wait on hold for hours each time I call their customer service phone number. 

On XX/XX/2023, my refinancing institution Earnest sent a {$190000.00} check to EdFinancial, the servicer of my federal student loans. On the check itself, there were written and specific instructions to apply the payment amount to all loans EXCEPT for loan XXXX. 

On XX/XX/2023, I called EdFinancial and spoke with XXXX because my EdFinancial portal still wasn't reflecting the {$190000.00} payment. She said the treasury department was researching the issue, but couldn't give me any details beyond that. 

On XX/XX/2023, I called EdFinancial and spoke with XXXX because, while my portal finally reflected the check, EdFinancial failed to follow the specific instructions on the payment check. Instead of applying the {$190000.00} to all loans except for loan XXXX, they applied the payment to only loans XXXX ( paid in full ) and XXXX ( which now has a negative {$120000.00} balance ). 

This payment methodology doesn't even follow the logic outlined as official policy on their website. XXXX XXXX XXXX XXXX, " if a payment is made in excess of the total amount due, the excess amount ( also known as the overpayment ) will be applied to the highest interest rate loan first. '' XXXX XXXX has the lowest interest rate! 

EdFinancial said I still owed them in total {$140000.00} via loans XXXX, XXXX, XXXX, and XXXX, subject to interest expense accrual as forbearance ends. XXXX said she had no idea how long it would take the finance department to correct this issue.

Interest expense will start accruing on all of my loans starting XX/XX/XXXX due to their administrative failures, no fault of my own. However, this will be wrongful interest expense on loans that are rightfully paid off.
Product: Student loan

Originally consolidated student loans in XXXX timeframe of 2016. All loans were transferred to fedloan servicing as requested. Received documentation that all was fine and all $ XXXX balance was consolidated and placed on an income driven repayment per request. In XXXX for some reason a portion of the loans were returned and sent to collections ; the total is roughly XXXX. We contacted fedloans and due to the original application being over 6 months old we had to resubmit a consolidation app for the loans to be reprocessed out of default. A few concerns : 1. Loans were originally consolidated and should n't have been reversed 2. Should n't be in default as the original consolidation rectified that 3. XXXX is n't reflecting currently in default but am receiving collections attempts from XXXX Ultimately want to have the original consolidation back in place to include all the federal loans. There was no reason for the loans to be removed an placed in default after the original consolidation. There seems to be a breakdown in communication between debt management solutions, XXXX and fedloans servicing. We have attempted to resolve this matter to no avail. They are now stating/attempting to garnish wages and there should n't be due to the original consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX Ohio  to XXXX, GA. Someone in XXXX OH  has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL   XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When shopping for a car you have XXXX and only get hit with XXXX hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just XXXX hard inquiry. i got hit twice in XXXX month XX/XX/XXXX and XXXX XXXX thats XXXX  days apart that should not have hit me with hard inquiries multiple times. the companies are XXXX XXXX XXXX XXXX XXXX also XXXX XXXX and XXXX XXXX same companies : XXXX XXXX XXXX XXXX XXXX. Then XX/XX/XXXX and XX/XX/XXXX more multiple hits XXXX XXXX XXXX XXXXXXXX hit twice XXXX XXXX and should not have.
Product: Credit card or prepaid card

On XX/XX/22 I booked a XXXX ( lodging ) for a non-smoking room using my Capital One credit card. The initial charge was for {$1200.00} ( XXXX Booking XXXX XXXXXXXX ). When I arrived I discovered that the host only had smoking lodging, which was not what we booked/paid for. I did not stay due to health concerns and it not being what we contractually agreed on. The host was supposed to refund us fully but only processed a partial refund. 

I disputed the remaining amount of {$460.00} with Capital One due to this being a billing error by definition of the fair credit billing act re : goods not received as agreed on. XXXX communicated that this was a late cancellation ( it wasn't -- never cancelled, my lodging didn't exist ). Capital One denied my initial claim because " I already received a refund. '' They conducted no due diligence to find out it was only partially refunded and that I did not cancel anything. 

I continued to follow their procedures to dispute the charge with no success. Capital One, in another response, stated that I didn't provide requested information but when looking through their official correspondence there is no such request. I am now told I have tried to dispute it too many times and they will not investigate further. 

I followed all proper methods of disputing a charge for something I did not receive but Capital One refuses to assist. Capital One should refund the remaining amount of {$460.00} for goods not received pursuant to the Fair Credit Billing Act 's definition and requirements regarding billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed some incorrect information. Currently XXXX XXXX company is reporting wrong and inaccurate information in which I want to be removed from my credit report. I feel that this account is adversely affecting my credit report and would like to get this checked out. As of now on my XXXX  report XXXX is showing an incorrect last payment date of XX/XX/2019 when XXXX  is showing the date of XX/XX/2019. XXXX  is also showing a balance while XXXX  is not which of course means that the information reporting is inaccurate and needs to be removed from each credit bureau. If in fact upon your investigation you see that my statement is accurate I would like to get the account removed from my report. 


I also want to file a complaint against Nelnet Inc in regards to my student loans. They are reporting late payments to the credit bureaus when in fact all of my student loans are being deferred. I too also would like to late payments to be removed from each credit report as they are also reporting false information.
Product: Payday loan, title loan, or personal loan

I borrowed $XXXX from XXXX  on XX/XX/XXXX with a payment of $XXXX a month.  At the time I was not aware that the interested rate was 57.67% making me repay over $XXXX over 4 years.  I was told at the time the contract was for 24 months.  This company is taking out $XXXX bi-monthly, making me pay $XXXX per month.  When I called to pay off the loan I was told that I would owe the entire $XXXX   on the loan.  they did not remove interest ($XXXX)that had been assigned to loan.  As of today, after 71 payments of $XXXX  I still have a balance of $XXXX.   This is ridiculous and should be against the law for any financial business to charge this type of interest and provide this type of loan to take advantage of hard-working people. I would like information were to file a complaint against this type of loans?  Thanks,XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The fair Credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 my identity was stolen and my social security number was fraudulently used with lenders who made hard inquiries on my TransUnion account without my authorization. The lenders are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) An FTC report has also been filed and will be attached to this complaint.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX ireported that my account had been hack for {$9400.00} cents to the fraud department the bank refuse to give my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was the primary card holder and I was an authorized user. My wife has passed away and XXXX and XXXX banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the consumer reporting agencies such as XXXX and XXXX are reporting inaccurate/outdated information on my account. The only address that should appear on the account is XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX. Furthermore the only phone number that should be associated with my account is XXXX and name is XXXX XXXX. All other addresses or phone numbers, aka, or emails are not valid and violates my rights to fair reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$180.00XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$87.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX