23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint here earlier this year about XXXX. Since i filed the complaint the company claimed they send a letter to the credit bureau to remove the account from my report. XXXX and XXXX deleted the account but XXXX still reporting the account as collection. i called the company few times about XXXX, they said they already send a letter to them but when i disputed it XXXX said the company respond the debt is valid. I disputed the account again two weeks ago again XXXX said the conpany respond the debt is valid. This account is a bank account my exwife open with Citibank and went into collection. I do n't know whats their situation with her i just want to know how the account related to me. If this was a joint account then as i requested before, i 'm requesting the copies of the identification i used and the page i sign. I understand it 's their job to collect, well it 's my job to verify to debt they 're collecting. The Fair Debt Collection Practices Act, gives me the right to request validation of this debt. i have requested it, it was n't provided to me.
Product: Money transfer, virtual currency, or money service

I purchased XXXX virtual tokens ( also called REP ) in 2 separate transactions, one on XX/XX/XXXX and one on XX/XX/XXXX, from Coinbase Pro for a total of {$780.00}. I tried to withdraw these tokens to a wallet address sometime between the XX/XX/XXXX purchase and XX/XX/XXXX, which was when I notified Coinbase that I was getting an 'internal server error ' message when I attempted to withdraw to a wallet address. Coinbase asked me more questions about the issue and claimed they sent my problem off to a specialist to further investigate the issue on XX/XX/XXXX. Since then, I have not heard from anyone besides Coinbase 's first line support that yes, my case has been sent off to a specialist, but they will give no further details. I have been patiently waiting for answers for almost 1 month, which is far beyond the 4-5 day resolution time they initially quoted me. Coinbase is putting me at risk of losing my tokens in the event of an exchange hack or a delisting. The entire point of cryptocurrencies is that you can send them when and where you want without a third party getting in the way ; however, this is exactly what Coinbase is doing and they won't give me answers or try to remedy my situation. In essence I've been sold a worthless product by Coinbase.
Product: Debt collection

Discovery is going through with their threats ; I go to court at the XXXX XXXX XXXX XXXX XXXX, MI court on XXXX XXXX 2017 at XXXX in front of Judge XXXX XXXX , To put me in jail and take my home for not paying them for Discover transferring monies from my account to accounts in their cyber space!
Product: Debt collection

This company is providing false information on my credit report regarding a debt not owed! I have written proof debt was paid and {$0.00}.
Product: Credit reporting or other personal consumer reports

I've disputed this many times and it's still not resolved. There were no late late payments only paid as agreed.
Product: Checking or savings account

I deposited a check into my bank account and received messages when my funds will be available, then they froze my account stating because its a new account and large amount..I cant access my funds now but I have money in my account.
Product: Credit reporting or other personal consumer reports

Sent a dispute letter to Equifax on XX/XX/year>, it has been over 30 days with no response from the credit bureau, Equifax 's failure to respond to my dispute within 30 days violates the FCRA ( Fair Credit Reporting Act ) of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates credit reporting agencies to investigate and respond to consumer disputes in a timely manner.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that I have encountered. The violations include issues with inaccurate reporting, unauthorized hard inquiries, and improper debt collection practices. Specifically : Failure to Verify Information ( FCRA Section 616 ) : I found that my credit information was accepted by credit reporting agencies without proper verification, which is a violation of the FCRA. Under 15 U.S. Code 1681s-2, these agencies are required to ensure the accuracy of the information they report. Because they failed to do so, I am entitled to civil liability of up to {$1000.00} per violation.

Non-Disclosure of Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt-out of sharing my personal information with third parties, as required by law. This omission is a clear violation of my consumer rights and deceptive in nature.

Deceptive Reporting of Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : I noticed several inaccurate inquiries and accounts reported under my name without proper validation. This is in violation of the FCRA Section 623, which requires that information furnished to credit reporting agencies must be accurate.

Debt Collection Violations : Several of the reported debts were inaccurately reported without my consent or proper validation. As per 15 U.S. Code 1692g, debt collectors are required to provide proper validation before continuing to report debts or attempt collection. Without this validation, these debts must be removed from my report.

Unauthorized Hard Inquiries ( FCRA Section 1681b ) : Unauthorized hard inquiries from companies like XXXX XXXX XXXX and XXXX XXXX XXXX  were made without my written consent, in violation of 15 U.S. Code 1681b ( a ) ( 2 ), which mandates that consumer reports should only be accessed with a permissible purpose. These inquiries need to be deleted immediately. 

Inaccurate Payment Reporting : I found multiple accounts, such as those with XXXX XXXX and XXXX, inaccurately reporting late payments. As per 15 U.S. Code 1681a ( 2 ) ( i ), the information provided to credit reporting agencies must be correct, and I demand these accounts be updated to reflect " paid as agreed/never late '' if they were paid on time. 

Given these violations, I am demanding immediate action to correct my credit report, including removal of inaccurate accounts, deletion of unauthorized inquiries, and proper validation of reported debts. If these issues are not resolved promptly, I will be forced to pursue legal action as allowed under the FCRA.
Product: Credit reporting

I disputed numerous accounts with proof of Police Report and Fraud Investigator 's Report. I have been disputing the same accounts with Equifax for over a year now in which not only have i faxed the reports but also sent them certified mail twice.I am a victim of Identity Theft. Even on the Police report, it tells you the persons that stolen my identity. Equifax INSISTED they WERE MINE and VERIFIED by THEIR INVESTIGATORS! Yet, XXXX and XXXX has removed every one of those accounts. I have attached the letters, police report and FTC reports, ID and SSN card in which I have sent to Equifax. please Help
Product: Credit reporting or other personal consumer reports

According to the FCRA section 605B it is illegal to report anything on my credit file and reports without my permission. I have never given my written, verbal, implied, or expressed permission to publish anything on my credit profile. 

Furthermore, The bureaus have not removed the misspellings of my names. 

My only Name : XXXX XXXX My only Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My only Social Security Number : XXXX That is the only legal/lawful spelling of my name and the correct address I have ever lived at. The bureaus have failed to update my information and delete the incorrect information which is a direct violation 15 U.S. Code 1679c - Disclosures. 

Further Violations by the bureaus - 15 U.S. Code 1681i - Procedure in case of disputed accuracy, as they fail to correct this information and reflect it now for over a year.
Product: Money transfer, virtual currency, or money service

My father had a safe deposit box at Citizens Bank, # XXXX. On XXXX XXXX my went to Citizens Bank to inform them that his brother, who name was on the account had died and he wanted to add me and my son 's names on the box. On XX/XX/XXXX, me, my father and my son visited the bank on XXXX XXXX, XXXX, Pa. They gave us a form to sign ( Deputy Appointment ) form to sign. We all signed it.The form stated ( IF this Appointment has been signed by more than one person, it will continue to be effective for all remaining signers even if one of the signers dies or it is revoked by one of the signers until the Bank has received written notice of the death or the revocation by all of the remaing signers. This appointment shall not be affected by any subsequent XXXX or incapacity, any filing for divorce or final divorce decree. This will continue infect until the ____________ office of the bank receives written notice signed by me that it has been revoked. ) My father died on XX/XX/XXXX. At that time they told me that this form was only good while my father was alive. Now that he is deceased, the box now belong to the joint owner who died XX/XX/XXXX. Office of the .Chairman of Citizens bank told me in XXXX that box was given to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. XXXX ( Acct # XXXX  Equifax ), XXXX XXXX XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw  where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX XXXX   XXXX XXXX.XXXX  XXXX, XXXX XXXX XXXX.XXXX XXXX XXXX.XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX.XXXX. I have contacted the police and the people at FTC. I'm doing this on my own and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes this charged off account and tried having it removed off my credit. I have asked for verification and proof of verification. 

I have filed a report with FTC
Product: Credit card or prepaid card

I have a loan with CITI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CITI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I went to see a primary doctor affiliated with the XXXX XXXX. For that service, I received a bill for {$240.00}. My insurance company XXXX paid {$70.00}, and I paid the remainder of {$170.00} on XX/XX/XXXX. Thereafter, I received another statement for {$140.00}, listing an " adjustment '' of {$41.00} to the previously billed amount. Nonetheless, I emailed and called XXXX to inform them that this bill was paid in surplus of what I owed ( since my payment of {$170.00} is {$37.00} over the actual amount I owe ). This also begs the question of this hospital 's billing system since the first bill I received was in error on their part, and for an inaccurate amount! Rather than to rectify this issue, on XX/XX/XXXX, I was notified that XXXX sold this account to a collection agency called PMS ( Progressive Management Systems ). Upon learning of this, I immediately sent them proof of payment with an explanation of what had occurred thus far with XXXX. On XX/XX/XXXX, I received a letter from PMS stating that the payment was not credited to my account, but rather, this payment was " applied to ... outstanding balance for date of service XX/XX/XXXX ''. When asked for proof of their claim, there was NOTHING forthcoming because this was simply not true! 
Evidence substantiates the fact that the payment was made in surplus of what was owed. It is the hospital that has their information incorrect. The date of service for the payment I made is XX/XX/XXXX, not XX/XX/XXXX. 

Again, I submitted evidence which I previously provided to the collection agency and the hospital. Everything I submitted had the SAME INVOICE NUMBER plus the SAME DATE OF SERVICE!!! 

Despite my numerous attempts to clarify this matter, both XXXX and PMS continued to ignore me. Instead, on XX/XX/XXXX, I received notification that a derogatory remark was placed by XXXX on my credit report. As you can see from the attached documents, I have attempted numerous times to resolve this with with XXXX and the collection company. It obviously did not go anywhere as they failed to assist with this issue. 

I have also sent both XXXX and the collection agency a statement from XXXX that clearly states the date of service, XX/XX/XXXX, and the amount paid by my them, leaving me with my responsibility of {$170.00} which is exactly the amount I paid on XX/XX/XXXX. 

Currently, I'm having to spend my time trying to dispute their negligent placement of this account with the credit bureaus. Their negligent act has damaged my credit score and has opened the door for detrimental consequences to come.
Product: Vehicle loan or lease

I have a car loan agreement for with Ally Car Finance Company for 72 months on my car that I purchase in XX/XX/XXXX. My first car payment started in XX/XX/XXXX. According to the agreement I was supposed to be through paying for my vehicle XX/XX/XXXX. Ally sent me a notice stating that since I change my car payment date and got an extension on a car payment in XXXX and XXXX they added 6 more months onto my car payments which took the agreement from  72 months to 72 months and 6 months. I talk to several different agents with Ally to see how paying almost {$2600.00} more was possible just because of these extension and payment changes we have disputed this and have gotten nowhere.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX has been fraudulently aquiring personal information from my insurance coverage. Leading to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCYS TO MAKR A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXXand XX/XX/XXXX CRA. On XX/XX/2020, I mailedXX/XX/XXXX and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

Please review the attached documents. I want the bureau to start an investigation into these accounts, as I am always punctual with payments, but they incorrectly label me as late.
Product: Consumer Loan

Lobel financial called me the employer several times requesting sensitive business information and kept threatening me that they were not going to give my employee the loan because of me. They asked for my banking information. They are just supposed to verify employment. Very unprofessional.
Product: Checking or savings account

Both my SoFi and XXXXXXXX XXXX accounts have been hacked. XXXX transactions named SoFi Bank transfer have been made from my XXXX savings account and moved over to my SoFi checking account unauthorized. The totals were {$700.00}, {$750.00}, and {$670.00}. When the transactions were placed in my SoFi account, three transactions were then made from my SoFi account to a XXXX XXXX. This was also unauthorized. Another transaction was made from my SoFi account to XXXX XXXX totaling {$790.00}. This was unauthorized as well. I filed dispute claims with both SoFi and XXXX stating what had happened. SoFi has closed the dispute claim and put a restriction on my account. XXXX approved my claim and reversed the transactions made and sent the {$670.00}, {$750.00}, and {$700.00} back to my XXXX account. Now my SoFi account balance is- {$2100.00} due to the reversals. I am stuck paying this to the bank when this total was taken from me in the first place. Also waiting for my dispute for the {$790.00} charge to be approved.
Product: Credit card

Letter of Complaint Filed on XX/XX/2024 To : Miles & More, XXXX, Barclays, Mastercard From : Case Number ( from Barclays ) : # XXXX I am writing this letter to bring to your attention the misleading language represented by Miles & More, Barclays, and XXXX. After multiple phone conversations with Miles & More and Barclays, it has come to my attention that I will receive no help from either side because each business redirects the blame to the other. 
I initially opened a Barclays Miles & More XXXX credit card in preparation for my first trip to XXXX. What initially attracted my attention to this card was the offer of a companion ticket that I could use for my husband. Had I known now that I would be misled through this entire process, I would have never chosen Miles & More and XXXX from my travel plans. 
Please see the attached and below of how the language is misleading : Language from XXXX Website ( XXXX XXXX XXXX ) : Thank you for choosing a World Elite Miles & More Mastercard . As the primary cardmember, you are eligible to receive an Economy Class Companion Ticket upon the first use of your new account for a Purchase and on the account opening anniversary every year thereafter provided the account remains open and in good standing. 
Language from Barclays Login Website : You are eligible for an Economy Class Companion Ticket after the first use of your new Account for a purchase, as well as upon the anniversary of your Miles & More Mastercard Account open date, provided you are still a cardmember. 
Language from Terms and Conditions ( XXXX XXXX XXXX XXXX ) : Companion Ticket The Primary Cardmember is eligible for an economy class companion ticket upon the first use of your new Card Account for a purchase and on the Card Account opening anniversary every year thereafter, provided the Card Account remains open and in Good Standing. Reservations must be made by calling the Miles & More companion ticket service at XXXX. Please note that all taxes and fees must be paid for the revenue ticket as well as the companion ticket. ( Companion portion is only the airfare. ) This offer may not be combined or used in conjunction with any other promotion, discount, add-ons or coupons and is not combinable with child, infant or senior citizen fares, travel agent discounts, other promotional offers, group fares, frequent flyer awards or special credit vouchers. Please visit XXXX for full companion ticket terms and conditions. 
Additional Information : Annual Fee of {$89.00} - Paid Multiple Purchases Paid Called Barclays and Miles & More and was told no Companion Ticket was available.

No language describes the Companion Ticket being available after the first billing cycle, only upon first purchase. 
When I call Miles & More to address this issue and the misleading language, they tell me that I need to contact Barclays to receive the Companion Ticket. When I call Barclays about the companion ticket, they tell me I need to call Miles & More as they are only partners with them, and the benefit is only through them. 

Thank you for your time and I hope that a resolution is received in a timely matter.
Product: Student loan

I attended XXXX XXXX XXXX in 2006 and was forced to take out a private loan for the program I was enrolled in. The loan was for {$6000.00}. Through the years I have had difficulty and reinrolled in school. The balance has been over $ 13k for the last two years and never seems to go down. They have compounded more than 100 % interest twice what the loan started out as 15 years ago. I have asked if anything can be done only to get the run around. Navient are loan sharks. There is no way my loan will ever be paid. I keep paying and the balance never changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with KOHLS/CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and KOHLS/CAPITAL ONE with no successful resolution. XXXX, XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I paid off this account in full and XXXX XXXX XXXX agreed to remove any negative marks on my credit report for this account. The amount they are claiming as a charge-off was actually the same amount that was paid to them. Therefore no money was charged off. My vehicle was totaled in an accident and the amount I paid was the deficiency amount left on the lease. XXXX is insisting that this is correct. I disagree how can they continue to harm my credit for an amount of money they collected nearly 3 years ago.