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

Hello do XXXX XXXX THE NOST TERRIBLE COMPANY EVER HOUNDED ME EVERYDAY FOR MONTHS AFTER i told them I was a struggling XXXXXXXX XXXX  working and was going through mental trauma!!! They offered me a 2 month extension on my loan!!! Said my payments would all be current that were coming and we made a agreement!! Time pases I Pay when XXXX Came boom late payments!! Including finance charges and fees!! This is beginning to feel XXXX. The people at this establishment belittled me for being in a time of need had no care while Im taking care of the XXXX XXXX while people are quitting left and right all I asked for was a break and they lied to me. And ruined my mental with this car loan the loan itself is fine i can pay it but the audacity to put late payments is so disrespectful so illegal, but also unlawful. I am need if the CFPB to clean my report up please force the hand of these unlawful companies and Bureas!! I got the late payments removed and they ILLEGALY put the late payments back on my report!! Without informing me or notice!!
Product: Credit card

I've made a pre-order purchase back in XXXX XXXX the item was supposed to be delivered after XXXX months from the date of payment. the order was never delivered and the seller is not responding to my emails and voicemails. At first Discover refund the charge and resolved the dispute in my favor. A week later they revised the decision without any explanation and without receiving response from the seller. My credit card company is requesting from me the proof that the order was not delivered. When I ask the representative from Discover in what form should this proof be, they can not give me any options. just telling me that investigation is over and not in my favor.
Product: Debt collection

My wife received a call from Ascension Point of XXXX XXXX, MN. My wife was told by a XXXX XXXX that they were attempting to collect a debit of my mother who has just passed. My wife took the contact information for Ms. XXXX ( phone : XXXX ext : XXXX ) and explained she would pass the information on to me. We live out of the state my mother lived in and her estate has not yet gone through probate, the route I believe the claim should be made.
Product: Money transfer, virtual currency, or money service

I have an account open with the company Coinbase where I bought {$300.00} of bitcoin at the price of {$9600.00} per coin, so I received XXXX bitcoins. I noticed that on XXXX XXXX, when I tried to log into my account it said " your account is temporarily disabled '' and I was unable to log in to my account. I contacted the Coinbase customer service line, XXXX ( XXXX ) XXXX and spoke with a representative who said " Some red flags were raised on your account, but I do not know what they are, I have forwarded your case on to a specialist who will work with you to reopen the account ''. Since then I have received no contact from the website that would indicate that they are working on my case. I called again today XXXX XXXX, and spoke with another representative " XXXX, '' he said that he raised the priority of my case and that I would receive some type of response before Monday. It is a bitcoin exchange, and due to the time sensitive nature of fluctuating bitcoin prices, I need to be able to log in if I want to sell my bitcoin. I have read on the internet that many people have this problem ( i.e. " account temporarily disabled '' and Coinbase taking multiple weeks or months to unlock their accounts ). I find it highly distressing that Coinbase is not working to resolve this issue expeditiously. And I stand to lose money if the price of bitcoin goes down and I am not able to sell my units.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld is violating my rights per the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ). I numbered some Transworld credit reports to refer to in this complaint. 

First, I have sent multiple letters to Transworld on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, ( several letters attached and certified to this complaint ) requesting them to provide violation of the debt listed below. They have never sent all of the information per my request which means the alleged debt are reporting was not validated in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. XXXX have never send me the requested information. I am requesting validation not verification. Please send validation of these debts with the items listed below : Requested information : Copy of bills with details of how they arrived at the total Provide a copy/copies of the agreement/agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges Also, I sent about eight debt validation letters on the above stated dates in # 1 and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information and allowing them to share this information with other parties. Please delete this information from my credit file and cease all collection activities immediately. 

Lastly, their investigation took over 3o days and it is still incomplete because they never validated the account by sending all of the below items : I am the individual whose credit report this belongs to not a credit repair agency. As per the FCRA and HIPAA these accounts need to be deleted immediately because you are violating my rights per the FCRA and HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX. Account XXXX XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX. Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX 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.

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: Debt collection

The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX : XXXX, Source Receivables : XXXX, have violated my rights. 

I looked at my XXXX credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever 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 )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has almost been a year, since XX/XX/XXXX, where I have sent in my first round of dispute letters ( i.d theft affidavit and police report ) for you to remove the fraudulent information from my credit report in violation of 15 USC 1681. 

This is my second time since XX/XX/XXXX on contacting the Consumer Financial Protection Bureau, and since then I still have no results on the fraudulent information being deleted from my report. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 

On XX/XX/XXXX, I certified mailed Affidavits of Truth and Facts to all 3 bureaus about removing the left on fraudulent information from my report. You have not provided me a copy of any original documentation that you have on fine. Under section 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. 

On XX/XX/XXXX, I mailed a second written request to all 3 bureaus, under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These 3 bureaus have had well over 60 days to complete these actions.
Product: Credit reporting or other personal consumer reports

I have written 3 letters to Experian to investigate and remove several incorrect items on my credit report. However, even after sending numerous identification documents and utility statements to verify my identity, I keep receiving letters stating that because I am using software to formulate my complaint, they keep accusing me of being a credit repair company, which I am not. 

There are blatantly incorrect items appearing on my Experian credit report and the company has ignored my request to have them removed
Product: Debt collection

According to the Fair Credit Reporting Act ( Fora ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report.
Product: Checking or savings account

I had lost my card and called in to report my card as lost. As I called in there was transactions of {$4900.00} that I did not authorize. They created a fraud claim. They denied my claim saying that they did research and they determined that the transactions where verified. I did not make any purchases on this card. I need my money.
Product: Credit card or prepaid card

Name of the merchant : Pottery Barn Purchase date XX/XX/XXXX Bill date XX/XX/XXXX using Pottery Barn Private Label Credit card serviced by Capital One. Credit card was billed and transaction was posted before delivery was received. 
Purchase total {$2800.00} I filed a dispute with Capital One on XX/XX/XXXX and the dispute was denied as they stated the disputed needed to be filed within 60 days of purchase. 

On XX/XX/XXXX received the modern farmhouse round pedestal extending dining table, however, the table had several imperfections upon delivery. I notified Pottery Barns customer service immediately via phone and provided pictures of the imperfections and damage to the table via email. They stated they would send me a new table in XX/XX/XXXX. The date of the replacement table continued to be pushed out and is now slated for XX/XX/XXXX, more than a year after I received the initial table. I asked for the table in my possession to be returned. They agreed to pick it up for a full refund. 

I have had to call several times to find out when the credit should show on my credit card. Each time I was given a different story. I was first told the refund had been released and it would be XXXX to 10 days. After 10 days I called back and they stated the card declined the return and stated they would try again. I asked if they needed the card number to reprocess and they said no. I asked if someone could call me back to let me know if the refund went through and they said they dont call back customers. 
I called back on XX/XX/XXXX as no credit was showing on the credit card and spoke to XXXX. She stated she opened a ticket for her supervisor to find out what was going on and they would give me a call back. I never received a call back. She provided me with this confirmation number during the call XXXX. I called back on XXXX/XXXX/XXXX and spoke to XXXX. She informed me needed the credit card to place the refund. I gave her the credit card information. She stated I would have to call back and follow up if I did not see the credit within XXXX days. I called back on XX/XX/XXXX and spoke to XXXX. She stated they were working still working on the refund and it would be XXXX business days. 


Are you able to help me with my refund? 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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: Debt collection

XXXX XXXX XXXX XXXX is attempting collect a debt not owed after the account was cancelled. Credit bureaus failed to verify and provide proof debt was valid. Sent letters to credit bureaus in XXXX.
Product: Payday loan, title loan, or personal loan

I took out a registration loan in 2015 with cash time loan center and made several payments, however I fell behind and tried to make a partial payment and they refused. I lost my job and vehicle and have not heard from the company till I was served with small claims in pursuit to a statue that is for implied warranties. Which the amount borrowed was less than {$500.00} which the law caps the interest rate. However in the lawsuit they are requesting 202.29 % in interest. I have made several calls to company left voice mail with no response. The company waited 5 years to accrue interest on an a predatory loan. several payments were made to this company as balance was no where near the {$660.00} they are suing for outside of statue of limitations law and filing under false statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and PNC BANK to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX  XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by not properly validating and verifying an account listed on my credit report. The reporting of this inaccurate and unverified account has caused severe damage to my credit score and financial standing. As a result, I have experienced significant hardship, including difficulties obtaining credit, higher interest rates, and considerable stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability.
Product: Debt collection

XXXX XXXX billed me when I was covered under medicaid. They reached out to XXXX failed to realize my coverage. WhenM XXXX realized it and told XXXX XXXX, XXXX never reached back out to me yet continued billing. This is a communication issue on all other third parties. 

Ive disputed this with the original creditor Ive disputed this with Receivables MGMT Ive called the credit bureaus. 
Ive gotten an itemized statement in the mail from XXXX  and disputed mutiple times from XX/XX/XXXX-XX/XX/2019. 

I have had success with requesting an early exclusion with XXXX  and they removed The debt from my credit report in XX/XX/2019, Its due to fall off XX/XX/2019. 

I am requesting immediate deletion in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX  XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt or credit management

I agreed to a XXXX year payment plan with Debt BlueXXXX for assistance with my Credit card and medical debt. This agreement started XXXX of XXXX. Several attempts to contact DebtBlue, which changes names between XXXX and Debt Blue, have been unsuccessful. Every indidual I call has a pre recorded message " We are experiencing higher than average call volume '' regardless of time of day or day of the week. XXXX phone calls were unreturned. XXXX Emails have gone unreturned. 
Emails I have sent to XXXX, and XXXX, and XXXX have not been returned. Phone calls to XXXX, XXXX, and XXXX have not been returned. 
I need confirmation that the last monthly debit in the amount of XXXX will occur XX/XX/XXXX and result in XXXX  from the program, bringing my total amount paid to XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax on numerous occasions, the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have never resided at this address. Equifax has responded on 2 occasions to my disputes in their reports dated XX/XX/XXXX ( Confirmation # XXXX ) and XX/XX/XXXX ( Confirmation # XXXX ) that they had indeed DELETED this address, yet when I pull my most recent report, Equifax is still reporting these addresses. 

I have never lived at this address, nor have I ever received any mail at this address. Equifax is deleting and reinserting this address and has NOT one time advised me 5 days prior to reinserting this inaccurate address. Again, Equifax has furnished me reports on two different occasions where they explicitly stated this address was DELETED! This address needs to be DELETED IMMEDIATELY & I NEED TO BE PROVIDED AGAIN ANOTHER COPY OF MY UPDATED REPORT REFLECTING THIS DELETION! 

EQUIFAX DOES NOT HAVE THE RIGHT TO RE-INSERT THIS ADDRESS ON MY REPORT WITHOUT GIVING ME 5 DAYS NOTICE -- -- THEY DID NOT AND CONTINUE TO DELETE AND REINSERT EVEN AFTER THEY STATED IT WAS DELETED.
Product: Debt collection

Despite two written requests from PORTFOLIO RECOVERY, AND THE INCONSISTENCY of the unverified item listed below still remain on my credit report in violation of Federal Law. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

I am asking PORTFOLIO RECOVERY to Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature
Product: Credit reporting or other personal consumer reports

TransUnion is reporting this inaccurate deragatory charge off account from XXXX XXXX account # XXXX to my credit report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. This is not my account. I have no knowledge of this account.15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am XXXX years old - retired XXXX XXXX - i started obtaining credit back when i was XXXX years old when i bought my first car on credit - during my years, i have established tons of credit accounts including 5 mortgages - 7 car loans and numerous credit card and other credit accounts. however, i have complained to transunion that their way of calculating length of one 's credit is not correct and they report me as having 1 year of credit to my name - this is so obviously wrong - i have had credit in my name for 45 years - my wife divorced me two years ago and i had to close my accounts and open them again without her on them - this is what transunion is claiming is the first time that i have ever had credit and reports my credit life has only been one year - it is hurting my credit score and hurting me from obtaining a good mortgage for the purchase of a mobile home in floida - the only place i am now able to afford to retire to. please have transunion to correct my length of credit information as it does not correctly represent the true time i have had credit in my name. in addition - i challenged 7 hard credit inquiries months ago and they never researched/ responded back to me on the results of the investigation they were to perform. my credit score i XXXX - and everything else on my credit report demonstrates that i am an excellent credit risk - no negative accounts - 100 % payments on time - excellent amount of credit used vs available etc .... i have worked very hard on my credit and these two issues are the only negative information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT ask to apply for this card from XXXX/XXXX XXXX XXXX XXXX. However, I was approved for the card on XX/XX/2021. I immediately called the card company on XX/XX/2021, from the XXXX XXXX XXXX that processed the application ( in XXXX, Texas ) -against my wishes and instructions -- to have the application/approval cancelled and also removed from any entry/notation on my credit report. After calling twice that same day, I was told by the 2nd Customer service person I spoke with that it would BOTH be closed as well as removed from my credit history and report. 

However, although, the account has now been closed ( due to yet a 3rd call on the next day ). 

But, the credit account was created and is STILL listed on my credit report although I NEVER requested or authorized this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus  continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with XXXX for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXXXXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..