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

I am writing to file a formal complaint against the XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and MONTEREY COLLECTION SEVICE ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications.

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues.

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Incorrect Name - XXXX XXXX - 15 U.S. Code 1681e - Compliance 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 - Please delete this inaccurate info immediately. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX - 15 U.S. Code 1681e - Compliance 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 - Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX - 15 U.S. Code 1681e - Compliance 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 - Please delete this inaccurate info immediately. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Money transfer, virtual currency, or money service

Hi, I am writing to report an unauthorised block of my account from Coinbase Inc., headquartered in XXXX XXXX, California, United States. 

Coinbase has suddenly put my account 'under review ' and blocked my account from trading/funding/withdrawing without any prior notices since XX/XX/XXXX. I have sent a number of support tickets to Coinbase, however, I only received automated responses from them that asked me to wait. There is absolute zero transparency in terms of what they are reviewing. I have been a fully verified customer since XX/XX/XXXX. Moreover, they reviewed my account in XX/XX/XXXX and completed the activity. The fact that they are blocking users from trading and accessing their funds can somewhat be regarded as a market manipulation activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i sent a letter to XXXX  stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but XXXX  refused to remove the items on my report.

1. XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 2. JPMCB CARD Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXXXXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX Account Number : XXXX identity theft XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Bank account or service

On XX/XX/XXXX I came home from a long day of work and found the attached letter in my mail box. In this attached letter from XXXX XXXX it is advising that on XX/XX/XXXX a payment that was legitimately authorized to them from Bank of America on XX/XX/XXXX was advised unauthorized per a dispute given by the " now '' Bank of America account holder. I was an authorized party on the account until XX/XX/XXXX. The amount that was disputed was for XXXX. 
This was indeed an authorized payment due to I was a joint owner of the Bank of America account when the payment was submitted to XXXX XXXX. The reason that this payment was advised unauthorized by the current account hold is because my ex is being spiteful and he knows that Bank of America is not going to put in the extra legwork to ensure if this was indeed true or false. 

This is the XXXX time I am having to deal with this matter in a 1 month time frame and it is becoming ridiculous. If Bank of America did a better job in ensuring the following before the dispute was done we would n't have this issue : - Who 's name is on the bank account at the time that the payment was made? 
- Who 's name was on the account that the payment was made to? 
- Does the address match what was on file to Bank of America when the payments were made? 

I can answer this with ease - IT WAS MINE!!! Bank of America should not allow authorized payments to be disputed when they were made legitimately while it was a joint account. My ex is being spiteful due to I broke the XXXX because he became abusive. Bank of America this has to stop! I am tired of being a victim because someone is not doing their job correctly and continuing to breach their fiduciary duty.
Product: Credit card or prepaid card

I took out a sears mastercard under a promotional offer. I rarely used the card. I made a {$25.00} purchase. I always pay my bills on the first of each month. Apparently this card had due date of XX/XX/XXXX. They posted the receipt of {$25.00} on XX/XX/XXXX. The following month I received a late fee of {$27.00}. I called in and requested the fee be waived and I closed the account. There was XXXX outstanding balance on the card. I assumed the card was closed and the fee was waived. The following month I received a bill for an additional {$41.00} fee. The total I now owe : according to sears : is {$68.00}. I called Sears and explained they had waived the fee and I had closed the account. Sears said they could waive the {$2700.00} fee ; but I still needed to pay the {$41.00} fee. I wrote a letter and explained the situation. I just received a response that stated " We received your request for a fee credit on your account. We are unable to credit your account for the late fee because it is valid. '' I am guessing : that the fee will continue to mount until I pay the fees.. This is a unfair practice. Sears received their money and I closed the account. I have no plan to pay any of their excessive fees. I will never purchase anything from sears, or citibank mastercard. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. XXXX Thank you, XXXX
Product: Debt collection

My information is illegally being shared without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Product: Vehicle loan or lease

on XX/XX/XXXX  I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval for XXXX XXXX. They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and that I could not apply for financing without doing their own in-house paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. I told them I only wanted one inquiry on my credit record and they promised me that there would only be a single hard inquiry. As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around of their own volition. This resulted in 5 additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as XXXX XXXX XXXX XXXX  ( we never discussed ) or Bank of America ( also never discussed ). I now have multiple hard inquiries on my report which I did not authorize. The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use XXXX.
Product: Student loan

I have been paying on this loan for nearly 10 years and my total amount has not gone down. First it was with XXXX XXXX then changed to XXXX and now Fed Loan Servicing. My loans from 10 years ago should had been paid off. Also more of my payments are applied to interest instead of the payment which should n't be so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor have violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Product: Student loan

On XX/XX/XXXX, I spoke with a rep about fixing deferments on my student loan account. At that time, I was assured that all of my loans would be out of deferment, per my request. One of my loans is still showing in deferment. I have sent messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to again to have the deferment removed. I have not heard back from them yet and that loan is still showing deferment. 

Further, from XX/XX/XXXX thru XX/XX/XXXX, all of my loans were in repayment. I had dropped out of my XXXX program in order to consolidate ( can't consolidate loans in deferment ) all of my loans. The loans were successfully consolidated, but Mohela is not showing those as having been in repayment and counting as 10 months of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX wrote by Fax : The settlement on your home equity line of credit is complete. 

What this means to you We will no ionger seek payments on this account. Your home equity line of credit was charged off on XX/XX/XXXX. 

Weve closed the account and will notifythe credit burcaus tho-account has been settled for less than the full balance. 

There may be tax consequences as a result of the settlement. 

All three agencies show a charge off date in XX/XX/XXXX not on XXXX
Product: Debt collection

I have been in contact with Midwest Fidelity Services LLC since XX/XX/year> attempting to verify and validate the debt they have placed me into collections for and reported to the bureaus of {$4200.00}. I requested the below information from them I am requesting that you provide verification of this debt stating the below : Please send the following information : The name and address of the original creditor, the account number, and the amount owed.

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.

I have no documentation of a loan or credit card for this amount signed and agreed by me. Midwest Fidelity has not responded once to my inquires about this debt other than they must report it. I let them know this as well and they are non-responsive. I need assistance in resolving this debt to save my credit. I stated once I received the information requested I would make payment assuming the debt was in fact owed by me but I do not see how that is possible.
Product: Bank account or service

I opened a Citigold account today based on a promotional offer ( Promotion Code : XXXX ) XX/XX/2015. I met the terms of the promotion as confirmed by Citi representatives in two separate instances ( attached ). 

When the promotion points did not post to my account after 90 days of meeting the promotion requirements, initially Citi first said that was because I was not targeted for this promotion. When I showed then that I was targeted, they took another 60 days to respond with a different reason for rejection. This time they cited Terms and Conditions that did not exist with the promotion I applied under. Specifically they stated " Citibank only offers one promotion per customer, as stated in the terms and conditions. '' while the promotion terms and conditions stated " To be eligible for this limited-time offer, you must not currently have a consumer checking account with Citibank. You are not eligible for this offer if you were a signer on or owner of a Citibank consumer checking account within the last 60 calendar days. '' How can XXXX Citi agents confirm that everything is OK and I will be getting my points soon, and then another agents gives a completely different answer? Who is a consumer supposed to trust? If XXXX Citi agents, on different occasions are not able to accurately understand the terms of the promotion, how is a consumer supposed to understand?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written this credit bureau about a name listed on my credit file " also known as '' XXXX XXXX XXXX XXXX is incorrect. I have supplied proof as well as a written request. 
I contacted TransUnion customer and was told the name XXXX XXXX XXXX XXXX was reported by a creditor who verified my name address and social security number. 
I have disputed this creditor in the past and asked for the method of verification TransUnion used to verify this is indeed my information from this creditor. 

TransUnion refused to provide this information. TransUnion is in violation of FCRA, there was no 26 point inspection before agreeing to post this information posted to my credit file. 
TransUnion refuses to provide any proof of verification, method of verification or result of an investigation. 

ALL DOCUMENTATION OF IDENTIFICATION IS ALREADY ON FILE WITH THIS CREDIT REPORTING AGENCY.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the banks regarding this late payment, and they have approved updating the account to " open or closed/never late. '' The banks have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This complaint is in regard to PNC bank in XXXX, NJ XXXX. In XXXX of XXXX, I applied for a loan in the amount of {$3200.00} for a hearing aid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to XXXX in person at her desk and told her my XXXX score is about XXXX. She told me that it should not be an issue.She submitted my application online in the bank and it was instantly denied. XXXX told me that she thinks it should be appealed since she feels I should have been approved. She said she will call me on Friday of that week after she spoke to the bank manager. She never did call me ( I found out she called in sick on Friday ). I called XXXX the following week, I believe it was on a Tuesday. She told me that the bank manager would NOT appeal the denied application. I feel that XXXX lied to me and I also feel I am being discriminated against XXXX XXXX XXXX and feel the bank should have legal action taken against them. I am also a XXXX patient. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I can not accept the fact that I was discriminated against, and they should not be allowed to get away with this. I received a form in the mail a few weeks later from PNC that only has my name and loan number on it. No boxes were checked off. On the top of the form it is titled Loan Expectations and Documentation ( LEAD ) Cover sheet : Personal Unsecured Installment Loan. It does not give me any instructions to do anything and it makes no sense to me.
Product: Debt collection

I feel commerce bank and there attorney XXXX XXXX of XXXX XXXX and XXXX have used and are using predatory lending practices, bullying, repeated failure to adhere to terms of an agreement and a lack of willingness to work towards an amicably end with an aggressive pursuit of much higher profit margins that a traditional loan. They have refused payment to be brought current, attempted to force me into a forbearance agreement, negotiated a settlement agreement upon learning of a contract for sale, reneged on agreement and took me to court for XXXX more ... won a default judgement without seeing any evidence ... offered another settlement of XXXX ... tried to foreclosure auction the property to force me to pay ... then when I attempted to pay the XXXX having discovered there was a contract for sale for XXXX they reneged on that offer and now want XXXX ....
Product: Checking or savings account

BB & T allowed a fraudulent checking/savings account to be opened up in my name. About 3 months the fraud was identified and the account has been blocked from additional activity. 

I keep getting notifications that the account is overdrawn. Ive called both a local branch and the BB & T fraud dept about closing out the account and disassociating me from it. Apparently, no action has been because I just received another notification threatening to report this to XXXX if I dont pay the overdrawn balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : Account # XXXX XXXX  XXXX XXXX, Balance Owed : { {$460.00} }
Product: Debt collection

Upon reviewing my consumer report I saw items that did not belong to me due to being a victim of identity theft. These items are not supposed to be here, I did not permit this person ( s ) to report my consumer report nor did they notify me of these items.
Product: Credit reporting or other personal consumer reports

My information was used fraudulently to apply for several different things that I did not authorize. These companies include XXXX XXXX XXXX XXXXXXXXVervent and XXXXVervent. On XXXX I called XXXX and they advised that there were no applications in my name or SSN, however there are hard inquiries on my credit reports.