23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original company that owned this debt was XXXX XXXX. 
I had a balance on the card and ran into financially issues and had to put the payments aside for a few months but the delinquency never populated onto my credit report. I thought that was odd. I had to call XXXX XXXX one day to see if I could work out a payment plan with them, They asked my information they said the information they had did not match what I was giving them. I told them the original card was placed in my name and my name only, XXXX XXXX said their was another name and address attached to this card. I told them if they can not tell me whom the other person was I would not take responsibility for the card. They told me they saw my name but another person was showing as the primary. I was not married and did not have children old enough. So I had no idea who the primary authorized user was that was placed on my card, and what they had charged on my card. After speaking with several people the management returned my call and informed me that they found me to be the original card holder and they were not sure how the other authorized user could have been added to my account without my permission. They said they would delete the other user. I specifically told them NOT TO DELETE the other user. I asked them to make notes on my account stating what had occurred they agreed to do so but would not discredit the balance. I told them that I refuse to pay for this debt years that Is not all of mine. My account was altered without my permission allowing another user to have access to my account and use my card. I discontinued payments on the card and fought the company several times telling them I refuse to be responsible for the entire debt they were telling me I now owed. After not seeing the credit card on my credit report for years the delinquency began to population there. Years passed and the SOL was in effect so I could no longer be sued, I thought all was done, until A company called me out of the blue stating they bought the debt. I explained the story to them and they agreed that they did not want to deal with it. It went back to XXXX XXXX, and Portfolio Recovery bought the debt from XXXX XXXX .They call me all day long, send me letters. I have responded through credit reporting companies stating the debt is not mine. They respond back by sending my the credit card statements. They have not sent me any of the XXXX XXXX notes that I asked by documented nor the recordings of the multiple phone calls that took place this is not expectable. They have told me I could not be sued but have issued a derogatory mark on my credit report. It is seriously effecting my credit and I would like to refinance my house. Other than hiring a lawyer I am not sure how else to handle this company and make them remove the derogatory mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I modified my home Mortage after Covid forbearance. Once I completed the trial period my Mortage company reported the late payments which dropped my credit score XXXX points.
Product: Debt collection

The amount owed is around {$2900.00}. I made arrangements with a lady over the phone on a debt that I owe ( I am not disputing that I owe this ). However the following day I received another call from someone else saying that I owed it and it had to be paid in full. I was checking with a family member to see if they could help. They wanted to do a XXXX way call with this family to get the card information to pay what was owed. I'm sorry but I don't like just giving out family members numbers. Well then the constant everyday calls to my employer is what I am tired of. I understand if they need to do an employment verification ( which they have the information ) but to constantly call me at work is uncalled for. This has gone on for the last couple weeks. I have asked them to stop calling me at my place of employment so I don't lose my job. This guy continues to tell me that I am in a world of trouble and talked to me like I am nothing ( that what I have to say doesn't mean anything ) .This all has happened in XX/XX/year>. These calls happen XXXX to XXXX  times a day. I am just tired of the harassing phone calls at work. It just needs to stop ( which I asked them to stop calling me at work ). They said a payment plan was no longer optional and I had to pay the debt in full if I didn't want to go to court. I want to take care of what is owed but can only make payments ( and not a {$200.00} or {$300.00} payment each paycheck ). This company is out of XXXX XXXX NV and company phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX And all 3 credit bureaus is showing student loans by XXXX that are currently on deferment and that at some point in the past I was not aware that the loans had become due. No letter was forwarded to me till I notice on my report it shows late payments for 120 days. Currently my loans had been in deferment since XXXX and they still showing a negative mark that the 3 credit reports refused to fix. I also have a debt from accounts that had been satisfied by Pheaa and still showing negative. I also had a loan by regional acceptance which has been satisfied since XXXX and still showing on my credit report as negative. A collection from XXXX incorrect amount and incorrect information because I was not aware of the insurance debt with the general insurance. All this items should not be in my credit report. Falsely damaging my credit and servicer as well as the 3 reporting bureau refused to remove it. I need your help. 

Thank you XXXX XXXX XXXX
Product: Checking or savings account

I noticed that the bank took money out of one of my accounts to pay abillthe problem they took it out. Of the wrong account, which caused an overdraft and then they charged my {$34.00} as a fee. I immediately contacted the bank and was told they could not transfer the money even though they made a mistake. I am demanding that Chase fix THEIR mistake.
Product: Money transfer, virtual currency, or money service

I was a regular user on Coinbase 's XXXX exchange for virtual currencies. One day while I was submitting orders their exchange had technical problems. My order was submitted and funds locked up, however, the order was never filled, and I was unable to cancel the order. Ever since my money has been unaccessible ( in any form ). 

I have tried reaching out to Coinbase over several medium including submitting a request ticker on their website and via email. I have received no response and my money has been inaccessible for days.
Coinbase has become notorious for their treatment of customers complaints. In fact users have had so much difficulty contacting Coinbase that scam artists took note. A successful recent scam was to pretend to be Coinbase technical support and create phone numbers and websites. Frustrated users who are unable to get in touch with Coinbase would inevitably resort to XXXX  for alternatives and unwittingly click or call one of the scammers.
I would be satisfied if my money was returned to me, however, I feel that action should be taken to force Coinbase to handle customer complaints. I am not asking for a miracle, even a basic response after a few days saying they are looking into the problem would be acceptable. 

Please do n't let this business continue to act in this manner. 1. They are abusing their customers and 2. They are opening up a window for scammer to take advantage of their customers. 

I would be happy to provide my account and contact information if it helps in this process,
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late. 


XXXX XXXX XXXX XXXX
Product: Debt collection

I informed this company that this debt was due to identity theft, but is still on my credit report
Product: Debt collection

A collection account in the amount of {$690.00} from XXXX XXXX XXXX   appeared in my credit report on XX/XX/2017. Since this is not my debt, its source has links to the XXXX credit breach of XX/XX/2017. The credit breach has compromised all of my personal information within the credit files of XXXX, XXXX, and XXXX that now show collections for accounts with businesses with which I do not transact business. 

I am hesitant to engage with XXXX XXXX XXXX XXXX because of its unfavorable customer service and dispute resolution practices well documented within the XXXX XXXX XXXX. According to the XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX has 64 negative reviews out of a total 67, many of which pertain to business practices that run afoul of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told these people that the items they are showing on my report do niot belong to me. I have waited the time frame for them to repsond and it is like they are ignoring me or purposely leaving wrong inforamtion on my credit report which is messing me up.
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 rioghts and confidentiality under 15-USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report XX/XX/2024 and noticed some things that are incomplete and not accurate. In accordance ith the fair credit reporting act, 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 whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 innacurate,
Product: Credit reporting or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and this account on the credit report is incorrect. 
DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXXXXXX XXXX XXXX Balance Owed : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. 
Mariner Finance {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Mariner Finance ). Making the report is NOT INCLUDED on my consumer report! Debtor ( Mariner Finance ) issuing credit ( installment loa
n ) to the creditor ( ME ) is a transaction that is illegally reported on my consumer report by the person ( Mariner Finance ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! 
Mariner Finance HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS.

You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. 



Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX
Product: Debt collection

Since XX/XX/XXXX I have been receiving bills from XXXX  XXXX XXXX XXXX XXXX. After several attempts to pay with an XXXX they would deny the payment, so after a few months of this and trying to reach their billing department with no success, I started making payments. Then I started receiving 3 bills with the same account number for 3 entirely different amounts and none of those every reflected my payments. To this day I have paid over {$400.00} dollars that is not reflected on any of the bills. After 31 calls to the billing department to set up a payment schedule and to find out the discrepancies in the bill, I have never received a call back or spoke to anyone due to the billing office does not answer, you have to leave a message. On 4 separate occasions I called the appointment desk and asked for help since I was not getting to speak to anyone. The person that answered stated they couldnt help me but they would send an email to a lady named XXXX that was the head of billing and she would call me, still has not happened! On approximately XX/XX/XXXX I received a bill from Capital Collection agency for this company in the amount of {$690.00} when the original bill was for {$670.00}. First of all the lady that spoke to me from their front desk acknowledged the payments that we received but those were never noted on the bills. I have worked diligently to fix my credit after a divorce from years ago, now doing the right thing I still get sent to collections because no one at their billing department will talk to you! Where did my payments go to?
Product: Debt collection

I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. 

I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the XXXX XXXX XXXX  began contacting me daily. I contacted XXXX and left a voicemail on their collection department because no one is available. 

Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. 

The debt was originally owed to Citibank and is referenced as such in the attached letter.
Product: Credit reporting or other personal consumer reports

Greetings! I am reiterating this complaint to follow up on my previous submission dated XX/XX/2023. Once again, I have re-attached my new FTC Report # XXXX. I anticipate receiving my monthly credit report within 15 days and expect deletion updates at that time. Kindly remove the reporting of the following items from my credit file, which are the consequences of the alleged identity theft : -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out via certified mail to the credit bureau about XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX family account # XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX They have not responded by law or removed these from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries : - XXXX XXXX Miscellaneous Individual XX/XX/XXXX - XXXX XXXX  XXXX  Installment Loans Individual XX/XX/XXXX - XXXX/XXXX Credit Cards XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Personal Loan Companies Individual XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX Credit Cards Individual XX/XX/XXXX - XXXX/XXXX XXXX Sales Financing Individual XX/XX/XXXX - XXXX XXXX Personal Loan XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Credit Cards XXXX XX/XX/XXXX - XXXX  XXXX Miscellaneous Individual XX/XX/XXXX - XXXXXXXX Credit Cards Individual XX/XX/XXXX XXXX XXXX XXXX  Sales Financing Individual XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out once again because my report continues to contain errors that are actively hurting my score. These inaccuracies are affecting my ability to secure loans, housing, and other financial opportunities. I am incredibly frustrated that this has not been resolved yet.
Product: Vehicle loan or lease

XX/XX/XXXX - Vehicle purchased from XXXX XXXX in XXXX XXXX, KS with extended warranty ( cancellable ), loan through Capital One. XX/XX/XXXX - I initiated warranty cancellation by phone with XXXX XXXX. Shortly thereafter received by mail confirmation of warranty cancellation and copy of refund check ( ~ {$2500.00} ) sent to Capital One by XXXX for warranty cancellation to be applied directly to my loan balance. To date ( XX/XX/XXXX ) the refund has not been credited to my loan balance. I have spoken to both Capital One and XXXX XXXX numerous times regarding this issue. XXXX XXXX states that the check has been cashed and that they have fulfilled their obligations and can not take further action. Capital One has stated multiple times that no check has been received, despite XXXX 's statement that their check has been cashed. I have been told that the typical time for cancellation refunds to post is between 8-12 weeks, and it has been approximately 20 weeks since the cancellation was requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continue to report data in my report from XXXX XXXX XXXX ( a collection agency ) which has been proven to be erroneous information.
Product: Student loan

Due to XXXX MOHELA making errors in how much I owed them, which would have resulted in my overpaying by more than {$2000.00}. I contacted them about multiple times, I decided to refinance with another company, XXXX. Due to the disbursement from XXXX posting days after my latest payment with XXXX MOHELA posted, on XX/XX/XXXX, it was overpaid by one month payment and XXXX MOHELA needs to refund XXXX or me about {$2100.00}. 
It has been 3.5 months and I still dont have payment. I called after about one month to ask - while my account shows XXXX  due, I never received any notice of account paid in full - and the person said it could take up to 60 days. So I called in late XXXX when it reached 60 days. The person acknowledged they could see a refund was due and it should be going out soon, most likely to XXXX. I called again XX/XX/XXXX, and spoke to a supervisor in addition to initial person answering. They said payment should be coming and they apologized for delay. Still nothing. 
I need my money. This is excessive delay and inappropriate. XXXX MOHELA should have to pay interest on my retained money and a fine for delaying so long. It has been 3.5 months. This incompetence is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a released state tax lien from the state of Georgia on my credit reports at Transunion,  XXXX , and  XXXX . The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on  XX/XX/XXXX  ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  XXXX  redit Reporting Bureaus, who stated that they need documentation from the GA Dept of Revenue requesting that the released lien be removed from my report - they r eport that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the  GA Dept of Revenue who  advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.