23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I lost my mobile device in XXXX of 2022, and I subsequently changed my phone number, so I have been unable to access my account. Affirm keeps telling me that my bill is past due, and keeps threatening to negatively affect my credit score if i don't pay my bill, but i ammlocked out of my account and they won't let me back in tinder the balances or make payments. They sent me a text message asking if it was okay to charge the card they have on file for {$190.00} towards a loan on my account. I responded with the requested confirmation to proceed with the transaction, and they're still telling me that i have an unchanged balance on my account. They were able to authorize that payment, but can't authorize anymore until I've racked up so many late payments that they've induced a reason to deny me credit in the future, or charge me exorbitant interest rates onnfuture purchases, based in my " failure to make on-time payments on previous loans ''. They're already setting up a pretext for future discrimination of credit and/or adverse action taken on an existing account ; and there is absolutely nothing that I can do about it, because they won't even let me make my payments. They refused multiple times to let me into my account and won't give me any information, such as balance due, adjustments made from refunds and payments, and the last time I spoke to them on the phone they told me they would get back to me in 2-5 business days which was over a week ago. I believe this is happening because i lost my temper in the XXXXwith a representive who asked me the same questions that I've been asked a dozen times on the same call session ; and they got offended. I see right through their actions. I can see their intentions. I become extremely agitated and defensive when i feel that I'm being singled out or treated unfairly, such as now with Affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing a collection account that was being reported in error and noncompliance with Metro 2 on my TransUnion credit report was deleted on XX/XX/XXXX, it was then re-added on XX/XX/XXXX back onto my TransUnion credit report without notification to me beforehand.
Product: Credit reporting

Equifax has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against XXXX XXXX with the Maryland XXXX admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to Equifax numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement. 

Equifax is also reporting the erroneously entered collection account ( XXXX XXXX XXXX XXXX XXXX ) as a revolving account and it is updating as 30 days late every month. Why exactly is a wrongfully entered collection account reporting every as a 30 day late revolving account?
Product: Vehicle loan or lease

In XX/XX/XXXX I leased a vehicle from a local Ford dealership. The lease was provided by Ford Motor Credit ( FMC ). At the end of the lease I made numerous attempts to trade the vehicle in at several dealerships for other types of vehicles because I was over the lease mileage limit and the lease end purchase price was less than the trade in value of the vehicle. Both FMC and the local Ford dealership refused to provide a pay-off to the other dealerships. When I spoke to a FMC representative I was told that there was nothing in the lease that would prevent me from trading the vehicle because I had the right to purchase the vehicle at any time during the lease, however, any payoff amounts would have to be provided by the local dealership. The local dealership refused to cooperate, all the while stating that they would be happy to sell me the vehicle, which was not theirs to sell, but would not assist me with a trade to another dealership. I ended up doing a lease end return, and FMC subsequently billed me for the excess mileage in the amount of {$830.00}. I disputed the debt immediately and commenced litigation in XXXX County Justice Court against FMC and the local Ford dealership. In XX/XX/XXXX the litigation was settled, and as part of the settlement, FMC received the entirety of the amount in dispute. FMC never reported that the debt was disputed, instead FMC reported the debt as a chargeoff with a balance owed in the amount of {$830.00} even though FMC actively litigated the matter until the case was settled and was ultimately paid in full. I have since been in touch with FMC 's attorney, XXXX XXXX XXXX, XXXX. of XXXX, XXXX XXXX XXXX and requested a correction to my credit reports. Mr. XXXX has asked me for specific language that FMC should use to report the account to the credit bureaus. My reply to Mr. XXXX was, " Your client has a duty under the Fair Credit Reporting Act to report accurate information. They should be able to look at the account and figure out what they did that is inaccurate and get it corrected. I am not in a position to tell them how to do that. I am quite certain, however, that this account should not reflect anything negative on my credit reports. '' To which Mr. XXXX replied, " At such time you have a demand for my client to consider which would include specific requested credit language, let me know. Theres nothing more my client and I can do at this time. '' Apparently FMC feels that they are justified in reporting inaccurate and misleading credit information unless a consumer can explain to them their legal obligations in specific language.
Product: Credit card or prepaid card

I received a letter from Chase that they were closing all of my bank accounts and credits cards with them. There was no warning or explanation given. 
I have a checking account and savings account as well as 3 credit cards. One of the credit cards I have had for 20 years. I called and they gave no explanation and would not allow me to speak to anyone who could help me rectify the situation. This is extremely frustrating.
Product: Debt collection

Last year of XX/XX/XXXX a collection for {$6100.00} was place on my credit report i have called the company about this collection and haven't gotten no response at i feel its the incorrect anount to pay for a apartment that i only live at for two months and now they saying i owe them the amount above which is incorrect period i done paid what i could when they file this collection on my account i can't afford to pay that amount period i have other bills as well i done put money in a registry when i got an eviction notice from this company back in may of last year my court records will show you i put something towards this company but it wasn't much cause i had other payments as well the company is southern management XXXX XXXX XXXX located in XXXX florida
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you in good health. I am writing to express my deep concern and dissatisfaction with the numerous attempts to remove fraudulent items from my credit file, maintained by Credit Bureaus. Despite my persistent efforts to address this issue, these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. 

The fraudulent items in question such as unauthorized accounts, inquiries, or personal information, and they have been erroneously reported on my credit file. I have attached copies of supporting documents to substantiate my claims and provide proof of the fraudulent nature of these entries. 

I have undertaken several steps to rectify this issue : I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. 

I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. 

I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. 

The continued presence of these fraudulent items on my credit file has severe implications for my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit file. 

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported fraudulent items, verifying their inaccuracy and fraudulent nature. 

Collaborate with the relevant creditors to promptly remove these fraudulent items from my credit file, restoring its accuracy and integrity. 

Provide me with written confirmation of the removal of these fraudulent items within the specified timeframe from the date of this letter. 

Implement enhanced security measures to prevent the recurrence of fraudulent entries on my credit file, ensuring the protection of my credit information. 

Advise me on any additional steps or information required from my end to expedite this process. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter withinthe specified timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$34000.00}.
Product: Debt collection

I have attempted to dispute the debt via XXXX XXXX, but the options to proceed did NOT adequately provide dispute-specific resolutions, as to why I believe results were not favorable. 

According to the FCRA, my rights have been violated by Hunter Warfield in the following areas : 15 USC 1681 Section 602 ( Right to Privacy ) 15 USC 1681 Sec 604-A ( No agency can report without my original wet signature or written consent ).

15 USC 1692-B ( Acquisition of Location ) Due to the aforementioned violation of rights, according to the FCRA, I'm asking that this debt be removed in compliance with the debt being more than XXXX XXXX XXXX from the original date of collection. NEW LAW PASSED BY CONGRESS.
Product: Credit reporting or other personal consumer reports

Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : XXXX : Shows XXXX late payments ; XXXX for 30 days another for 60 days. XXXX : Shows XXXX 30-day late payment. XXXX : Shows XXXX late payments ; XXXX for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " 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. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.
Product: Debt collection

This complaint is regarding the credit bureaus XXXXXXXX XXXX  and XXXX. 

They are reporting 3 charge offs which are Carmax finance XXXX for the amount of XXXX, XXXX XXXX XXXX for XXXX, and XXXX for XXXX. 

According to the IRS publication XXXX if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. I have never received my copy of my 1099-c so that I can file my taxes correctly. Income can not be reported on a credit report as a debt. 

This is also a violation of my privacy according to the privacy act of XXXX. I have been denied life insurance as well as car insurance due to the reporting of negative items from these bureaus. 

It is illegal to report transaction history. 

Per 15 usc 6802 a financial institution may not, directly or through any affiliate, disclose to any third party ( XXXX, XXXX, and XXXX ) any non public personal information, unless such financial institution provides or has provided to the consumer ( me ) a notice that complies with section 6803 of this title. I have not been provided with or given any credit bureau permission to disclose this information. 

According to 15 usc 6508 states that I have the option to opt out of any information being disclosed to the credit reporting agency ( third parties ) and I shall receive an opt out option every 30 days yet Ive never been given that option. 

According to the FCRA they need my written permission to report any of my personal information in which they were not given by me.
Product: Credit card

On XX/XX/year>, I went to pay with this card at the supermarket. It got declined. Tried 3 times. Used another card fine. I have had this card for over 2 years, using it Daily. I got it because it gave good cashback, including 5 % for Streaming services. When I got home, I called the company. They informed me that they closed my account and would not tell me why and that I would get a letter in 7-10 days. On the XXXX XXXX day, I received the letter, which I will attach below. First two paragraphs are key. 

I would like to emphasize that XXXX XXXX  card companies do Not close accounts without notice ... EVER. I know because I have gotten Non-Use letters before. I got the same answer XXXX separate times from Supervisors, which they said they could not tell me why and I would get a letter. On the second time when I talked to a regular CS rep, I asked if this was happening? She seems to say quietly " yes ''. To me, this meant they were closing accounts of Americans, which I can hardly blame them in this government environment. But again, NO NORMAL CREDIT CARD COMPANIES CLOSE ACCOUNTS LIKE THIS, WITHOUT NOTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER BEEN UPDATED THAT THESE ACCOUNTS WAS REMOVED
Product: Mortgage

Over the last year and a half, I have made over {$21000.00} in extra principal payments but NewRez refuses to reduce my interest payments to reflect these additional payments and is still going to charge me the same amount of interest over the life of the loan as if I have never made the additional interest payments! They have put the intention to carry out the above illegal actions in a written letter to me. I believe this violates the law and also is not in compliance with my original loan agreement which was with XXXX XXXX. NewRez apparently bought my loan form XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax credit bureau in disputes inaccuracy on inquiries *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX is trying to get payment for things that were discharged By XXXX XXXX   almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges
Product: Student loan

While I was on XXXX XXXX, I was told by the XXXX office and Navient that I would be released from my obligation to my student loans, but instead was put in default and ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly denied my countless attempts to open a dispute against XXXX XXXX XXXX inaccurate reporting of 14 accounts on my credit report. I believe that I am being subjected to racist policies by Experian. The accounts " dates of service '' are greater than seven years old and should be deleted. 
XXXX XXXX XXXX violated FDCPA and Texas Statute SB  1264. 
1. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 
3. XXXX and XXXX already found the reporting to be erroneous and from eight years ago. 
4. This reporting is in violation of Senate Bill 1264 Texas, XXXX   XXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX. They received payment from XX/XX/XXXX through Present XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I  have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again XXXX   XXXX XXXX received Payment in full. The record are listed below. 1. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} 2. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} 3.  XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} 4. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} 5. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} 6. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} 7. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} 8. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} 9.  XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} 10. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} 11. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 12. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 13. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} 14. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XX/XX/2022
Product: Checking or savings account

I made a deposit from a bank account into my Coinbase account. On the confirmation screen ( before clicking submit ) it said specifically that my funds would be available within " 48 hours '' to withdraw. Therefore, I proceeded to submit.

After the funds were confirmed to be available in my Coinbase account ( the next day ), the Coinbase web site proceeded to tell me that my {$250.00} deposit would not be available for " 27 days. '' Not only are they freezing / holding my funds for no reason, but it's very different than the availability that I AGREED TO before clicking submit.

This is unacceptable to me. I reached out to Coinbase via support e-mail. They seem rather uncaring. I was told that it would be forwarded to a specialist and may or may not be resolved. It's been three days now. There is no follow-up and no resolution.

I am looking forward to having this resolved as soon as possible, as well as an apology from Coinbase.