23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am paying what is owed, However, I have a right to not have this information shared with the public. I have sent multiple notices with no favorable response. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Trans Union and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX financial institution and the Consumer reporting agencies XXXX, Trans Union and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Trans Union and XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise was revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Trans Union and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have also opted out of each of them sharing marketing, promotion and nonpublic information of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting Transunion this morning and contacting them after being a victim of the inquiry issue they had they werent helpful in correcting their mistake and following the legal procedures. I have multiple inquires that were removed and added back after their " glitch '' which is illegal. I want these handled asap. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

I was scammed off of XXXX from a seller for sporting even tickets in the amount of {$220.00}. The person selling the tickets was wanting to use XXXX. I use XXXX transfers through my Wells Fargo account pretty regularly and this is the first time I have ever been scammed. I then did more research and found that Wells Fargo nor XXXX would be willing to reimburse and track the funds and return them. The seller claimed to only want to use there chase pay or XXXX account attached. I had no idea this could happen.
Product: Debt collection

On XX/XX/year> and XX/XX/year>, I was alerted by XXXX XXXX that a collections account had been added to my XXXX and XXXX reports. This was entirely unexpected. Upon reviewing the details in XXXX XXXX, I found that : The collection agency is Eastern Account System, XXXX. 
The original creditor is XXXX XXXX XXXX ( XXXX ). 
I never received any prior notices by mail regarding this collection attempt. 

The Problem : I attempted to resolve this matter through the XXXX  but Eastern Account System repeatedly provided the following response : " Eastern Account System sent a notice allowing time to dispute, pay, or validate the debt prior to credit reporting to the same address you have listed here in your complaint. At no time were the notices returned undeliverable. The account did not credit report until approximately sixty days later. Additional notices were sent, and calls were also placed, without a response. You were allowed more than 30 days prior to credit reporting. '' This statement is untrue : - I never received any notices regarding this matter. 
- I only became aware of the collection account through XXXX XXXX. 
- By reporting the collection account without giving me the required 30 days to respond, they violated the Fair Debt Collection Practices Act ( FDCPA ). 

I requested that they remove the collection account until the matter is resolved, but they refused. 

Additional Concerns : The alleged proof of debt they provided is not substantial : I informed Eastern Account System that XXXX owes me money, not the other way around. This is due to an overpayment ( for nonexistent service and an unjustified termination fee ). 
I requested that they clarify this with XXXX and provide original documentation from XXXX substantiating their claim. 
My Request : At this time, I neither dispute nor accept the debt. I am simply asking for : - The removal of the collection account until this matter is properly investigated and resolved. 
- All relevant documentation and proof regarding the alleged debt, including communications between XXXX and Eastern Account System. 
- Compliance with FDCPA regulations, ensuring my rights are fully respected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in ( BUREAU ). I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed two hard inquiries on my credit about XXXX weeks ago, one was made on XXXX and the second one was made on XXXX both made by the same company " Mariner Finance '' which is a Personal loan provider. I went ahead and called last week XXXX to see if they could remove both hard Inquiries because I never applied for any personal loans and never agreed or signed anything for that company to run my credit, the person on the phone told me they could not remove the Inquiries but could put my SSN on a freeze on their system so no one could try and apply again, I said ok that's fine, then the person on the phone told me to get the Inquiries removed is to dispute with credit reporting company . So on XX/XX/XXXX or XXXX, I called XXXX about a dispute I had submitted for both Inquiries, and the agent on the phone advised me that since that credit inquiry was due to fraud, I make a report with the FTC & XXXX printout the report with a cover letter explaining the situation and a photocopy of my license and SSC, that's the only way to get those hard Inquiries removed. I will attach pictures for proof/reference.
Product: Mortgage

Back in XX/XX/year>. I took out a different home owner insurance. The previous company didn't cancel. So in XXXX I payed XXXX. XXXX was XXXX. I contacted SPS servicing. The y said they would issue a check refund, and lower the payment to the correct amount. They didn't. My new payment should be XXXX. XXXX SPS charged me XXXX. I called again. I got the refund check. But now in XXXX they are changing me XXXX. Again! I can't get them to correct the amount. 
Please help!
Product: Checking or savings account

While this incident has happen several times I just started to keep track of this. In several occasions Ive made transfers to my checking count from another in house checking account to cover an overdraft and the following day I am still charged a fee. On XX/XX/2022 I made a transfer of {$15.00} at XXXX to cover an overdraft. Ive been told on several occasions that the cut off time is XXXX cst. I still received a fee the following day. This fee was refunded but it was only because of a manager. After that this happened several more times. Just recently there was some fraudulent transactions on my account and after I was refunded the funds back on XX/XX/2022 I was charged a {$36.00} fee for sustaining a negative balance even though it was negative due to fraud. On XX/XX/2022 I made a deposit of {$650.00} which made my balance XXXX. XX/XX/2022 There was a transaction for {$100.00} to XXXX XXXX, {$210.00} to XXXX, and XXXX XXXX for XXXX and it left me with a balance of {$68.00} per the mobile banking website which was incorrect. On XX/XX/2022 I woke up to a negative balance and 2 NSF fee when my posted balance says {$580.00}. The representative said there was a transaction for {$570.00} that tried to come through but that doesnt reflect on the mobile banking. When I asked her why cant I see the transactions she said I need to go into a branch and talk to a manager. When I explained even if the {$570.00} was coming out the balance is {$580.00} that doesnt explain the fees. She had no response. Whitney Hancock has done this on so many occasions XXXX cant even count. Monday morning I am going to close my accounts and go to another bank that isnt predatory.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX XXXX credit card account : XXXX do n't belong to me. It 's not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured XXXX XXXX in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to XXXX and mailed them by USPS delivery confirmation mail to XXXX, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was XXXX however the Collection Agency was XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the XXXX account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my FICO scores are close, but due to this negative, they are not close enough. This one negative from XXXX is killing my chances of getting the loan. If I still owed XXXX money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX XXXX XXXX. 
I would like to clarify that I have already paid this account through a different collection agency prior to your acquisition of the debt. As such, in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. code 1692g. I am requesting that National Credit Adjusters ( XXXX ) provide me with the following : 1. A copy of the written purchase agreement or assignment of the account that shows the transfer of ownership from the original creditor or the previous collection agency to XXXX. 
2. Proof of the amount of debt XXXX claims I owe, including an itemized accounting of all payments and charges made on the account. 
3. Any documentation that confirms XXXX  legal right to collect on this account. Please be advised that I dispute the validity of this debt, as it was previously paid in full. I request that all collection activity cease until XXXX can provide the necessary documentation showing that XXXX legally owns this account and that there is an outstanding balance. Additionally, I request that XXXX update any credit reporting agencies and remove this account from my credit report if they are unable to provide proof of ownership and debt validity. Failure to do so will result in additional complaint with CFPB, FTC. and a lawsuits. 
Thank you for your attention to this matter. I look forward to your prompt response. Please contact me via the CFPB portal for further communication. 
Sincerely, XXXX XXXX
Product: Credit reporting

I have notified Equifax on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX Balance {$14000.00}
Product: Debt collection

I sent Collection agency a letter on the XX/XX/2020 requesting a validation of debt. 
I have not received any response from them and its been over 30 days
Product: Consumer Loan

I am receiving emails from Springleaf Financial Service indicating that they need to verify my income and identity to process my loan request. I have n't requested a loan from them.
Product: Mortgage

My home of 27 years is being foreclosed on by XXXX, from an IndyMac loan. I wanted to apply for consideration under the settlement agreement DOJ vs XXXX. My loan is being serviced by Ocwen Loan number XXXX the name on the Loan is XXXX XXXX. 
I am trying to sell the home but XXXX gallon in ground oil tank, a 112year old clay tile roof, a 60 year old leaking steam boiler, and an asbestos abatement problem require a six figure investment before a sale could go forward. If there is an application for assistance or consideration I would appreciate your help. My wife and I are both XXXX declared bankruptcy in XX/XX/XXXX due to the mortgage issue with ocwen when they changed the terms of our loan in XX/XX/XXXX not only switching to a libor adjustable rate but the payment options were reneged on. 
Is there a way to apply for consideration under XXXX settlement? 
Ocwen has not been able to help. 
Contacting the bank directly has not gotten any response. 
Thank You XXXX Thank You, XXXX XXXX
Product: Student loan

The nelnet company is a completely incompetent company the customer service representatives do not ever answer the phone calls their emails are backlogged the website is down so i can not make a payment tried calling but wait times are greater than 30 minutes and I waited for 2 hours never spoke to anyone
Product: Money transfer, virtual currency, or money service

I initiated a single transfer on XX/XX/20 at XXXXXXXX XXXX in the amount of {$5000.00} from my personal checking account to my coinbase.com account. Later that day i received a message from my bank stating that overdrew my account and would be penalized. Upon further inspection, coinbase initiated XXXX withdrawals from my bank account both in the amount of {$5000.00}. Coinbase appears to have duplicated my request. After more than XXXX hours with their chat ( the only support option ), they refuse to investigate the issue and instead respond with canned/automated responses. My case number with them is XXXX.
Product: Money transfer, virtual currency, or money service

I was sent money from XXXX on XX/XX/XXXX and I tried to collect on XX/XX/XXXX was told the key was incorrect. My sender goes to the location and is told it is accurate and should be able to collect. I go again and im told my key is incorrect, that all key are 8,9, or 10 digits and mine was 11. I call customer service and I'm told its my sender that should call and that they cant help me. My sender calls and they tell her the transaction is inactive and i can now collect. I try again but I'm told the same thing. By now i call the location and we are told the system created an error and our options were to cancel and re-send, however we would not be refunded the fee. I don't accept that and call the XXXX customer service and ask for other options and they state that the only way to fix it would be to cancel, but that the fee would be refunded. I agree and we are told to wait 72 hours, which would be XX/XX/XXXX. I call XX/XX/XXXX and it is still not available and we are told to wait another 72 hours. I called monday XX/XX/XXXX and is still not available and i was told to wait 72 hours but to call Thursday.
Product: Debt collection

This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies Enhanced Recovery and XXXX XXXX. In XX/XX/XXXX I contacted XXXX XXXX  and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to Enhanced Recovery in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. Enhanced Recovery responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to XXXX XXXX who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. 

Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to Enhanced Recovery who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. 

I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. 

I ask that you please assistant me with FINALLY resolving this illegal matter.
Product: Checking or savings account

Chime closed my account back in like XXXX with a little over {$800.00} and I have been fighting and emailing and calling to get my money refunded back to me since then. I keep being promised that they will expedite my request but still nothing. They keep emailing back to verify my mailing address for the check and Ive done that with them several times. I email about once a day and call once or twice a week and still nothing. Ive had to take out loans and pawn my belongings to make up for the loss of this money to try and make ends meet and now Im in debt because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
THIS DISPUTE IS FOR FOUR XXXX ACCOUNTS. all of which have the same account number on my credit report.
Product: Credit reporting or other personal consumer reports

These hard inquiries do not belong to me, these are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX