23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue numerous times with no avail. I have sent supporting documents showing that I have satisfied two judgments places against me in 2018. One case has been reported twice for the same balance and transunion is only willing to change the status of one and not both. I have provided notarized documents and information for XXXX City Courts showing satisfactory with dates from 5years ago. I am unable to rent and now will be homeless in the next 30days if my records are not adjusted properly. I need help resolving this issue immediately.
Product: Debt collection

Harvard collections posted a debt collection to my account I disputed the sever because it was discharged in my bankruptcy, they changed the account number a date on the debt. I submitted ocular proof and the debt still remains.
Product: Debt collection

i have dispiuted this account with the credit breaurs an it was deleted. now they same ciollection account. comes back onto my credit reports XXXX with to different amounts. i feel as though the coolection agency is interfering with my life. i do not owe this company anything, This is not my debt
Product: Debt collection

I contacted the following company in XX/XX/2019 through a certified letter explaining that i have never done business with them but they would not cooperate with me, instead they insisted that the debt was mines. I have also contacted the credit bureaus repeatedly and they have refused to give me the results of there investigation. LVNV Funding in the amount of {$1800.00} that is on my XXXX and my XXXX report.
Product: Checking or savings account

Yesterday XX/XX/24 I deposited a customers check. The app told me the bank would hold the funds for 2 days, releasing part the next day ( today ) and the rest tomorrow. That note disappeared and I called the bank. I was first told it was irregular activity in the customer account and they'd try to get the funds on the XXXX. My customer said it was already withdrawn from her account. I called well fargo back and they then told me then its just the federal reserve holding the funds. Meanwhile, I can arrange with the customer to pay a different way as its already gone. And I will be charged overdraft fees for a negative balance. How is this ok?
Product: Credit card

I had a Capital One credit card since 2010, and I never got any credit line increase. At the same time my credit line with other XXXX companies increased from {$800.00} to {$6000.00}. I requested credit line increase few times and they rejected it every time with really stupid explanation. Last time they said it is because I was making too small payments. My monthly minimum payment is {$25.00} and I was paying {$60.00}. I never missed any payment, and my credit score is really good. I feel discriminated because no matter what I do they do not want to increase my credit line. Last year my account was paid off and they still did not do it, so it is not because I have a balance on it right now.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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

I want to see if anyone can call me back and tell where or who I can talk to regarding this company who fraudulently, wants to make me responsible when they did give authorization to run my credit I was not present on XX/XX/2018 when my mom a XXXX  year woman that I told the finance man that I was not going to sign to be responsible for a car I did not like and that the sale was for my mom and the finance guy I was not going to be held responsible and the paperwork Ms. XXXX mailed me was not my signature so, I did not sign those contracts one because my name is not XXXX XXXX. I am not XXXX XXXX and they are illegal wanting me to pay a car that I did not authorized a credit check, nor did I sign the paperwork provided to me by Ms. XXXX and I did not buy a car from XXXX did my mother on the other hand did XXXX XXXX XXXX. 
Ms. XXXX at XXXX I did provide income checks to finance but I did not sign no credit application and no legal binding contract saying that I would pay for a car I did not purchase, and I did not sign those papers that Ms. XXXX provided so, that was not me and is not me and I do not sign that way and I do not purchase cars or houses over the phone. I signed in person and that paper work provided is not me and not my signature and I am not responsible for a product that was illegally sold and now they want me not XXXX XXXX to pay I was not and am not XXXX XXXX. I am reporting this to credit bureau and XXXX  and FTC and you guys and to United States Securities Government. Please call me or help I want this off my credit off my back I am not XXXX XXXX. 

Note : I also, misspelled Ms. XXXX name on purpose to see how she feels her name being used and in a legal circumstance such as this that her name is used inappropriately and her having a XXXX surname last name that is by culture is discriminatory and it is inappropriate so, I want Ms. XXXX to stop lying. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I do not believe that the debt that is reported for the amount of {$1100.00} from Jefferson Capital Systems Llc is valid. It is showing as an open account which isnt correct if it is in collects. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. 
Please remove this information from my credit report.
Product: Debt collection

I look at my credit report and notice I have XXXX debt. Like from this debt to br removed immediately. 

EOS XXXX  XXXX XXXX XX/XX/2017 {$150.00} {$150.00} XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit card or prepaid card

Apparently a credit card was applied for/opened in my name using my name, birthday, address, and soc number on XX/XX/22. 

I spoke to the creditor and they said it was opened online. The creditor name : Comenity Bank XXXX XXXX I had the creditor mark this as fraud. They submitted the claim to all 3 bureaus. 

This fraud appeared on my credit report with XXXX, but not XXXX or XXXX. I have set up fraud alerts with all 3.
Product: Money transfer, virtual currency, or money service

I have a problem with getting my identity verified at Coinbase. It was not a problem the last few months but now it appears that they do n't know who I am. I have been unable to perform any transactions at all. I am unable to sell any XXXX, XXXX, or XXXX. I noticed about 6 weeks ago that I essentially lost control of my money and assets. After a few weeks of trying to use their online solutions, I became fed up and sought the assistance of a real person. I called at least 5 times and waited over 30 min on hold each time with no answer. Finally I just wrote an email and received a return email that said they would get back to me when they can. I have lost all buying and selling opportunities for the last month and a half. I am also unable to withdraw any funds to my bank account. Funny thing though, I tried depositing into the account from my bank account and apparently they knew me well enough to receive my money and take the deposit. I sent the email on XXXX XXXX and received an email the same day saying they will get back to me later.. I would like to have access and control over my own account and to not be locked out and ignored. Customer support is a complete joke and it feels as though they have just taken everything from me and could care less
Product: Credit card

True Accord a charge off company that took ahold of XXXX XXXX XXXX XXXX says I owe {$290.00} for a purchase that I did not make The date was on XXXX I was just aware of this on XXXX. I reach out to company No phone call back or email Im asking for removal of this
Product: Payday loan, title loan, or personal loan

I went to pay on my load and as I was there I asked what loan number I was on, Because I wanted to set up payment plan. I was told by XXXX that they were no longer offering or had to offer one. Indiana state law says that payday loans retailers have to offer one which you have to pay off in 60 days. Tried to explain this but they stated they were pulling away from that. I would like to see if you can give me clarification on this. 
Thanks Date XX/XX/19 time XXXX.
Product: Credit card or prepaid card

I have been trying to contact Grain XXXX  since last XXXX  XX/XX/XXXX to change my bank account to make a payment. The bank account listed in my account is closed. There is no option to change payment information and I was directed to the contact us page. I also attempted to call and there is no option to speak to a live person. The recording also directed me back to the help/contact us page to make a request to customer service. I submitted another request on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to hear from anyone other than an automated e-mail stating my request was received. On XX/XX/XXXX I received an email from Grain XXXX stating my account payment was 1 day past due. On XX/XX/XXXX I received another email stating my account payment is now 15 days past due. I am trying to build credit and have tried my best to reach Grain to no avail. If time moves from 1 to 15 days in 3 days I am afraid I will receive a mark on my credit soon. There is no excuse for a modern credit card company to have XXXX payment function other than what you initially put in. There is also no excuse for no live customer service! Not even an online chat!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a purchase of {$2000.00} of XXXX coin. At that time, it was an amount of XXXX coin at {$0.00} each. The {$2000.00} was immediately withdrawn from my XXXX account and a receipt was sent to me for the transaction. On XX/XX/XXXX, a new receipt was sent to me for XXXX XXXX coin with a new price of {$0.00} each. I have contacted the company every way I can think of and there has been no contact or resolution to this shortchanging. I opened XXXX ticket # XXXX weeks ago at their request. No updates have been received on why the original amount was not honored. I would not have purchased at the price that was filled at. There is no control when the purchase is filled at a different price than was originally sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a freeze on my report which I have asked repeatedly to unlock my report. I did not request one be placed so why did they do that?
Product: Credit reporting

Hello, I set up a credit freeze with Experian about 6 years ago. I misplaced my PIN number to get the freeze lifted, and so filled out the form online to prove my identity. The website did not accept my information for some reason, so I mailed Experian documentation to prove my identity. I did this over a year ago, and received a response that my request to lift the freeze was rejected. Experian did not state why and what else I needed to submit, even though I followed the instructions exactly. I then tried recently ( XX/XX/2016 ) to submit my documents online, but they were rejected by the system, even though I followed the instructions to a tee and provided all the required documents. I then went to my local Experian office to get help and was told that it was just a call center and nobody could help me ( even though this is the address where the documentation to lift the freeze is processed ). In addition, I made multiple phone calls to try to talk to a representative but could never get a person on the line because they do not provide the option to speak with anyone. I have been trying to rent an apartment and can not because of this freeze. I have spent many hours trying to get the freeze lifted with no luck. I am very sick and in a XXXX situation due to XXXX in my home and need to move immediately but my plans are being held up because of this credit reporting company. Please help! I can not get in touch with a human being so this has been impossible to resolve. Thank you so much!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) an Regulation XXXX These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alerted the company ( MONEYLION ) that someone opened an account fraudulently using my information. They acknowledged through their investigation that indeed the account was opened fraudulently. It was initially opened in XXXX and I alerted them. Even after they found out that its fraud they are still reporting it to the credit bureau and its showing me 60days past due. I need them to stop reporting it and remove my information from this account.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer to Coinbase to deposit in my account on XX/XX/2017. 
I contacted Coinbase 's Bank, XXXX XXXX to verify funds went to Coinbase and they verified it was deposited in Coinbase 's bank account on the same day. 
It has been 17 days now and still no reply from Coinbase as to my money that was supposed to be deposited in my XXXX account. 
Coinbase has no person to contact for wire transfers, just a support email for opening tickets, but they never respond to my emails. 
I deposited XXXX with the wire and the XXXX # is XXXX. 
again, XXXXXXXX XXXX used this number to verify that the money was deposited in coinbase account. 
Coinbase never deposited in my account nor have they returned my money,. 
It says the money would be deposited the same day or by 2 days, it has been 17 days. 
Please help me with this.
Product: Debt collection

Midland Funding is reporting my account as open after I paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX address : XXXX XXXX XXXX XXXX, tx XXXX FOR THE LAST 3-4 MONTHS equifax has been reporting an account that is not mines. I have asked for proof of the inaccurate account that they are reporting and they failed to provide me this information. I have never went to online school. This account XXXX XXXX Account Number : XXXX is inacurrate and Equifax failed to remove this fraud information from my report. I have called this XXXX college and they have no record of me, why is this on my report. Equifax failed to obey by the FRCA law. THIS ACCOUNT IS NOT MINES WHY IS IT ON MY REPORT. Equifax needs to remove this account from my credit report within a timely matter. Its been3-4 months and that have yet to send me proof because this is not my account
Product: Vehicle loan or lease

Good Day I paid off my XXXX XXXX XXXX auto loan circa XX/XX/XXXX. Citizens One sent a " paid in full and canceled note '' title Release Letter in XX/XX/XXXX, with paperwork to apply for the title. I found that unusual, as the bank is responsible to provide the title after payment has been completed. I have had several auto loans over time, however, this is the first time that I have been tasked with chasing its title. Whatever institution I have completed payments with, always sent the title. This instance is my first ever experience with the institution tasking me with chasing my title. 
While chasing the Title for this XXXX XXXX XXXX, I have been redirected back to Citizens One. I have even attempted to contact XXXX XXXX and they are no longer XXXX XXXX and under new management. The new management and staff are just as dismissive and rude as the previous owners and staff. In spite of that, they claim to have no knowledge, etc. 
Unfortunately for me, I did not recognize the red flag when I struggled to get auto plates from them. It took forever to receive tags after legal threats and appearing before them in person, though I lived in Alabama at the time. 

At some point during the struggle for the plates and proper registration, they offered for me to drop the car at some address they extended and they would pick the car up with no fault to me. However, they would not produce in writing that it wouldnt be treated as a repossession and not affect my credit while refusing to refund what was already paid towards the purchase. 
It has been an unfortunate journey with XXXX XXXX. I later learned of the many complaints that went unaddressed by XXXXXXXX XXXX XXXX. 

I have made several attempts to get a title because they did not send a title as normal, or followed up with any explanation. To my frustration, they have gone radio silent. I have applied for the title, but the title can not be found in Alabama where I resided during the purchase, or in New Jersey where the vehicle was purchased. 

I have contacted Citizens One and have yet to receive a title though I have honored my end of the contract early. Because I am often out of the country on Government orders, I believe that Citizens One has taken advantage and has not honored their responsibility as promised. They asked me to give them a year in XXXX and they have yet to return a title. 

I am frustrated at this juncture because I have been unable to trade the car, sell the car or reduce the insurance to liability because it still reflects having a lien active. 
Citizens One has silenced their communication with me. I do not know how to proceed with this business. However, I need them to honor their end of our long-fulfilled contract or return all payments with interest. 

Thank you for your attention to my struggle and formal complaint. 

XXXX XXXX XXXX XXXX XXXX  Account XXXX  ends in XXXX Vin Ends XXXX Transaction code : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my credit report. XXXX XXXX XXXX, a large company that opened on XX/XX/2024, has reported an account under my name, which I have no knowledge of and did not authorize. 

I have never had any contractual agreement or business dealings with XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify this collection account. XXXX XXXX XXXX must provide a copy of an original contract bearing my signature to substantiate their claim. If they are unable to produce such documentation within XXXX days, I demand that this account be deleted from my credit file immediately. 

Please consider this a formal request to initiate an investigation into this matter. I expect that you will notify me of your findings and actions taken regarding this dispute. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX : XXXX
Product: Debt collection

Today I received a collection notice from First Credit Inc regarding a medical bill that the Va is suppose to pay since I am a veteran with complete medical to be paid by the va I never received a bill and was assured they would forward this bill to the va in XXXX XXXX to be paid as of todays date the amount of this bill nor a bill was ever sent to me for this amount as far as. I was aware the bill was paid by my insurance and the department of veteran affairs this bill should not have been placed in a collection due to my medical status with the va now they are demanding me to pay an amount that I do not owe nor am I responsible to pay in the amount of {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX Via Email XXXX Account Number XXXX Buyer XXXX XXXX XXXX Co-Buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Inquiry dated XX/XX/XXXX Thank you for your recent request. Listed below is a summary of your account information as of todays date. 

Original Principal Amount : {$16000.00} Payment Amount : {$180.00} Payment Frequency : Bi-Weekly Current Principal Balance : {$1300.00} Date of Last Payment : XX/XX/XXXX Current Account Status : Active Next Due Date : XX/XX/XXXX Last Reported Account Status : Active : Current Last Reported Balance : {$1300.00} Payment Habits ( Last 24 months ) : 30 days past due XXXX ( XXXX ) ; 60 days past due XXXX ( XXXX ) ; 90 days past due XXXX ( XXXX ) Bridgecrest reports to Equifax, XXXX, and XXXX monthly. XXXXXXXX XXXX XXXX may be reached at XXXX. 

In XX/XX/XXXX, I was involved in a vehicle accident that resulted in a total loss of the vehicle. After a few months of negotiating with the insurance company, a settlement was reached in the amount of {$7500.00}. The check was sent directly to my lender XXXX on XX/XX/XXXX. In addition to the {$7500.00} settlement, I also made my monthly payment of {$400.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that was very simple and easy to understand that was established by XXXX notifying me of my next scheduled due date of XX/XX/XXXX. Unfortunately, XXXX failed to honor the XX/XX/XXXX, due date by charging off my account on XX/XX/XXXX, due to lack of payment. Although XXXX has my personal contact information, I never received a phone call, letter, or email to notify me of their intent to charge off my account. I became aware of the charge-off from an alert from XXXX indicating that my credit score has decreased. I contacted XXXX to have the error corrected, but I have not been successful in my task. I decided to dispute my credit report with all three credit reporting agencies due to the inaccurate information reported by XXXX. After waiting the required 30 days, I received a response indicating that the information was correct. I am not clear on the law or the rules about how each Credit Bureau collects and researches erroneous information in a dispute, but I am clear about the facts of the letter that I received from XXXX advising me of my next scheduled due date on XX/XX/XXXX. XXXX, XXXX, and Equifax have all failed to remove or correct my credit report, so I am searching help from the CFPB to review the facts of the letter that I received from XXXX and require all three credit agencies to remove the inaccurate information from XXXX about me from my credit report immediately.