23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

my XXXX  account close with out notice and they said I violated terms which I don't see how I never received the terms my user name is XXXX XXXXXXXX they are doing this to a lot of people without notice I use these service to get paid on and send my kids money
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I downloaded a credit monitoring app. To my surprise I seen accounts that did not belong to me. This included credit cards as well as a loan. This included XXXX XXXX XX/XX/XXXX XXXX, syncb/ppc, XX/XX/XXXXXXXX andXX/XX/XXXX. I have no knowledge of these accounts. Ive been contacted my dept collectors. I have tried to explain that I know nothing of these accounts however I continue to be contacted.
Product: Student loan

About XXXX years ago I attended a trade school which was called XXXX at the time ( very loosely affiliated with XXXX University, a very reputable university located in XXXX, MA ). This XXXX changed names until it closed permanently and suddenly under the name XXXX XXXX XXXX in XXXX 2013. The amount of the total fees were not disclosed to me but the only way I was told I could pay for it was a private loan from XXXX XXXX. I had to drop out of the program near the completion date due to the fact that XXXX XXXX refused to loan me any more money ( which was {$45000.00} when the loans were first taken out ) but later obtained the XXXX due to transferring in a university class. Unfortunately, the XXXX was useless in obtaining work so I had to attend XXXX classes through a XXXX university and put the private loan in deferment for a period of several years because I could not afford the roughly {$500.00} payments when the loan became due, I was only able to start making regular ( but reduced payments due to my income ) payments once I received my XXXX, which was financed by SEPARATE federal loans. The loan has been consolidated and changed servicers twice in the last 8 years, and now it is nearly {$80000.00} and I am paying a for a useless education from a school that no longer exists. Please explain how a loan can nearly double in less than 10 years? Help!
Product: Credit reporting or other personal consumer reports

This is in reference to CFPB complaint numbers XXXX ( credit cards ) and XXXX ( auto loan ) that are now closed. On or about XX/XX/year>, I submitted a compliant to CFPB because two accounts were open in my name and listed on my XXXX credit report. I made several attempts at resolving the issued with the vendor Capital One and Capital One Finance ( through phone calls ) but was informed that no such information was listed with my information in their records. Therefore, I made the CFPB compliant ( see numbers XXXX ( credit cards ) and XXXX ( auto loan ) ) to resolve the issues and was also told that Capital One and Capital One Finance did not have any information or accounts opened with my name/personal information ( see your files for company response ). Today, I go to check my XXXX credit report and find that this information is listed on my XXXX report and now there is a third account listed. I have never authorized the opening of any accounts with Capital One or Capital One Finance or any of its affiliates. The three fraudulent accounts listed on my XXXX Credit report is as follows : Ending in XXXX Credit Card Account {$1800.00} balance ( cfpb # XXXX ). 
Ending in XXXX Credit Card Account $ XXXX credit limit {$0.00} balance. 
Ending in XXXX Capital One Auto Finance {$15000.00} balance ( cfpb # XXXX ). 
I am kindly asking for these accounts to be removed from my credit report. I have been a victim of identity theft, and the information listed on my credit report related to Capital One and Capital One Finance is fraudulent and erroneous. I have not authorized the opening of any Capital One Accounts. Ive enclosed portions of my XXXX credit report to assist you in removing this information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and Experian regarding some collections on my credit report. 
I started sending letters on XX/XX/XXXX and then another on on XX/XX/XXXX, XX/XX/XXXX, I have yet to get a response, The only thing that shows is that my account is in review on all three credit bureaus. I have asked for verification, not one letter was sent back verifying these alleged collections. However its going on 4 months and the items below are still listed as verified. 
On my Equifax they even listed collections two and three times. 

XXXX  XXXX XXXX XXXX - Open balance {$2800.00} XXXX XXXX Open balance {$820.00} XXXX XXXX XXXX Open balance {$530.00} & {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX Open balance {$520.00} XXXX XXXX XXXX Open Balance {$220.00} XXXX  XXXX XXXX XXXX Open Balances {$2800.00}, {$20.00}, {$18.00} XXXX XXXX Open Balances {$540.00}, {$350.00}, {$200.00}, {$180.00} {$95.00} Experian XXXX XXXX XXXX Open Balance {$14000.00}
Product: Debt collection

Love Beal & Nixon not only filed suit against me for a fictitious debt that I do not owe but also failed to properly notify me and properly serve me, Love Beal & Nixon are attempting to collect a debt I do not owe. Love Beal & Nixon also failed to send written debt validation. Furthermore, Love Beal & Nixon recently furnished redacted information to the District Court of XXXX County State of Oklahoma. It is evident that this Love Beal & Nixon have furnished falsified statements and documents in attempt to collect I debt I do not owe. After careful research I have discovered that Love Beal & Nixon are debt buyers and have a history of purchasing debts from various creditors for nominal amounts and or creating fictitious debts with consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I enrolled in a debt settlement program through DMB Financial Program. I agreed to pay {$740.00} per month for 53 months to settle {$49000.00} in credit card debt. As of XX/XX/XXXX DMB Financial had not settled any debt for me and had taken out of my checking account from XXXX XXXX. {$3700.00} and a related company to DMB Financial took {$59.00} during the same time period for " education purposes ), totaling {$290.00}, and to this day did not settle any of my debts. Not one.
Product: Debt collection

Hello ... My name is XXXX XXXX and the pursuant to 18 usc 8, I owe no debt this company is violating my consumer right to privacy ..pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4. Thank you
Product: Money transfer, virtual currency, or money service

I put a down payment on a puppy through PayPal. The "breeder" who asked for the downpayment had me send him the money through PayPal, and explicitly requested I send it "friends and family" as oppose to business so he could avoid the "fees". I did as he requested. He told me I would have second pick of a female XXXX available in XX/XX/2019. In XX/XX/XXXX I contacted the Breeder and he informed me the puppies had not been born yet, and even when they were, I would have to wait 3 months after that to receive the puppy. I told him this was unacceptable and asked for a refund. He refused. I asked PayPal for a refund, they said because I sent it friends and family, and not as a business, I had no "seller protection". I then disputed it with my credit card company, XXXX XXXX. I explained to XXXX XXXX that I NEVER received a puppy NOR have a I received a refund and its now past XX/XX/XXXX. XXXX XXXX did its investigation and sided with the seller because they ran the WRONG TYPE of investigation. Instead of running it as services not received... as I described, they ran it as refund not processed. And because I couldn't show proof of a processed refund -- they denied my claim. When I called back to XXXX XXXX-- they said they understood the validity of my concern- but there is nothing they can do because they can't dispute an item twice. So then I tried to follow up with the breeder AGAIN. He flat out told me he will NEVER give me a dog NOR a refund. And I have a emails showing such. But yet I'm stuck with a $XXXX credit card bill (interest charged AND LATE FEES) because they backdated the charge and put it on my account. I don't know who is responsible-- PayPal or XXXX-- but I know I have buyer protection at the very least through the credit card. I purchased a good and never received it. Also- I don't know if this matters or not.. But I paid OFF my credit card and CLOSED the account with Capital One because I had an issue with them previously reporting incorrectly on my credit report... They reopened my account to add this charge even though I have a letter saying the account is closed with a XXXX  balance.
Product: Debt collection

I am utterly confused about this derogatory account on my credit report. I made sure my bill was paid in full before I moved out of my apartment in Texas in XX/XX/2022. This is an unjust doing. Due to the inaccurate information on my report I am asking for you guys to remove this account from my report. XXXX states the account was opened XX/XX/2022 and XXXX states it was XX/XX/2022. Also, XXXX shows no record of this account. Due to the Fair Credit Reporting Act which involves inaccurate information to be challenged I am doing so. It's my right. Also the records show conflicting information between the 3 credit bureaus. I am a military veteran trying to better life for me and family and this derogatory account is holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/2022 Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act 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: Bank account or service

My husband and I notified our Bank on XXXX XXXX, and XXXX that we had several unauthorized transactions resulting from a XXXX XXXX that we used rewards points to stay at. As a result of our stay with XXXX, we were supposed to be given diamond membership status and we were supposed to be given the best rate guarantee but neither were provided so we were double charged and overbilled. We contacted Suntrust to advise them of the issue ( s ) and we were provided with a dispute claim number. 

The representative did not take the details of the complaint correctly as it 's incorrectly notated that my husband is n't a Suntrust team member when he is a banker for their company. We provided the signed affidavit that stated that the transactions were unauthorized and selected the designated choice. Their affidavit is in violation of Regulation E by requiring us to provide documentation in order for them to consider our dispute. 

We were advised on XXXX, the day before we were to be provided with our provisional credit that our claimed had been denied because we told them that it fell under the wrong category for a dispute and that we had previously done business with this merchant. We have asked for documentation of their investigation, and they sent us a rebuttal form that is in direct violation of Reg E stating that we must provide sufficient proof of this transaction in order for them to investigate it. They did not investigate our claim and closed our claim to avoid providing us with the provisional credit. 

Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

On XX/XX/ 2019, I received a call and email correspondence from Prosper Loan LLC/Prosper Funding LLC for a personal loan. I called the number in the email back and had a near 2 hour call with a guy who said I was approved for a loan and to proceed with bank account verification to obtain the loan. This included verifying my information that he already had as well as purchasing gift cards in the amount of XXXX $ and giving the information of the gift card to him. I was on the line waiting for the loan to be transferred to my account and it never happened. I called back to no avail, he did however call back the next day appearing in good spirits and denied it being a scam, which it completely was
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on ATTORNEY GENERAL-XXXX, XXXX XXXX XXXX accounts for months. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get this job promotion which would come with a salary raise.
Product: Vehicle loan or lease

In XXXX financed a vehicle through Chrysler capital for a XXXXXXXX XXXX and it was a repossessed after unsuccessful payments after a few months repossessed the vehicle back and got it back in perfect conditions. A company called XXXX XXXX ( who was not the initial company I financed with ) filed a lawsuit saying I owe over {$13000.00} on the vehicle and XXXX years later filing multiple bank levies due to the unresolved debt. They received the car back in great condition and this was over XXXX years ago. When they file the bank XXXX XXXX XXXX in XXXX I talked to an attorney and tried to negotiate a payment arrangement to solidify the debt even though the amount theyre asking for is much higher then it should be. On top of the fact the finance company that I financed the XXXX with was a different company named Chrysler capital, this additional company called XXXX capital has still pursued to sue when they I tried to work out a payment arrangement just to settle which they did not respond to. I agree to pay a monthly fee of {$150.00} and they never responded but continued to file bank levys. Not only has this affected my credit negatively but the attempt to continue filing bank levies 9 years later and asking for over {$13000.00} when they took the vehicle back when I am on low income with kids is unethical and scandalous. I did not respond to the initial filed lawsuit years ago only because the company suing me XXXX XXXX was not the bank. I financed the vehicle with initially and signed contracts with which as I said was Chrysler Capital. And since I signed contracts with Chrysler Capital as they were the ones who finance the vehicle I was unaware and was under the impression that these letters from XXXX were fraud or some type of scam. If I signed contracts with Chrysler capital then this breach is the initial contract for financing the vehicle when another bank called XXXX capital is trying to sue. I did not finance through them nor did I know after years that Chrysler capital was associated with them. This is scandalous bank, trying to collect on debt desperately by any means necessary on an account that should be closed out. The vehicle was repossessed, only after a few months so they got that back in great condition not to mention the amount they are suing for which is over {$13000.00}. The vehicle got repossessed because it was during a time in my life where I was recovering in treatment in Florida and did not have my life together. The fact that I got my life together and have children on top of making barely enough to pay for my expenses, this is unheard of and is preventing me from any chance of financial gain. For this complaint at the very least, I believe that it is only right that this is removed from my credit and closed out entirely due to breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A COMPLAINT THAT SOMEONE STOLE MY IDENTITY AND CREATED A XXXX XXXX  ACCOUNT NUMBER XXXX  XXXX. THE ACCOUNT IS REPORTING TO MY EQUIFAX REPORT AND I WANT IT REMOVED. I FILED THIS SAME COMPLAINT BACK IN XXXX YET THEY CONTINUE TO REPORT THIS ACCOUNT ON MY CREDIT REPORT AND THEY CLAIM THIS ACCOUNT BELONGS TO ME AND IT DOESN'T! THIS IS MY LAST RESORT BEFORE I FILE A LAWSUIT AGAINST EQUIFAX FOR POORLY HANDLING THIS DISPUTE.
Product: Money transfer, virtual currency, or money service

My coinbase account has been locked for over eight months! I am unable to buy or sell my coins, and my account was locked for no apparent reason. I called customer service, emailed them, and they gave me a ticket number to which was pointless because they did not resolve anything. I even submitted a complaint to which they said my account would be enabled in 14 business days. It has been 30 days, and the buying and selling option is still disabled! It is outrageous. How can they be so irresponsible? My only explanation is that coinbase is a fraud, and I am alerting all of those around me to stay away from them and use other platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX Balance Owed : {$680.00} ; XXXX/XXXX  XXXX Balance Owed : {$480.00} ; XXXX  XXXX Balance Owed : {$2100.00} ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1600.00} ; and XXXX XXXX  XXXX Balance Owed : {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 we came to an agreement with XXXX that the XXXX XXXX would be removed and all Obligations for the Solar Leases would be terminated due to improper installation of the solar panels and promises to repair the leaking roofs. XXXX  XXXX XXXX  were removed by XX/XX/2019, as per the agreement. We are still receiving monthly bills for the terminated leases and they are being reported to the credit agencies as being late paid, including what they are calling current amounts that would have been due if the contracts were in place even though all of the contracts have been terminated. XXXX has filed the releasing of the UCC filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX that amount of {$470.00} account number starting with XXXX XXXX XXXX XXXXXX/XX/XXXX the amount of {$1500.00} account number starting with XXXX Social security administration account number XXXX date XX/XX/XXXX for the amount of {$21000.00} XXXX XXXX account number XXXX date XX/XX/XXXX in the amount of {$1600.00} XXXX  collection account number XXXX in the amount of XXXX date XX/XX/XXXX XXXX collection XXXX the amount of XXXX date XX/XX/XXXX XXXX XXXX  account number XXXX in the amount of {$630.00} XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount of {$3800.00}
Product: Debt collection

I requested a validation letter with proof of my signature and company failed to comply. 
Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is knowingly reporting fraudulent information. XXXX XXXX XXXX XXXX XXXX have already write a statement through the CFPB that this debt is not in their office. They have no knowledge of the debt that they are reporting on my credit file. I have gone to them and gone to Experian. Today I have received another fraudulent dispute and the item remained in file. 

I am asking the CFPB to find Experian in Violation of the FCRA, The CFR, And U.S.C. please place Experian in the FTC sysemfor monitoring and award the complaint all monetary damages.