23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate items from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter. I discovered that my credit report issued by XXXX Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved. I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report. Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent. Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report. Ensure that no further negative impacts occur on my credit report due to these inaccuracies. I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that XXXX Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hello, My name is XXXX XXXX. I am reaching out to you because of my auto loan account that has now been an issue for over a month. 

I paid my car payment in the amount of {$540.00} on XX/XX/2022, and it was posted to my bank account on XX/XX/2022. It shows that the payment was reversed in Chase bank system on XX/XX/XXXX for reasons unknown. It was not refunded to my bank account and is now showing that I am late on my payment. I have attempted to speak with the customer service team multiple times and I have been given the runaround way too many times. I have sent them copies of my bank account. My bank has sent them copies of my account showing that it was never refunded to my account. We were told on XX/XX/XXXX that this should have been taken care of and it is still not. 

I'm hoping that by reaching out to you this could be resolved quickly. I've never been late or missed a payment and don't want this to effect my credit. I can't afford to make double payment if that is what is needed. It is the holiday season and my family is struggling enough as it is. 

I appreciate your time and assistance with this matter. Please reach out to me if you have any questions or need additional information. 

Thank you, XXXX XXXX
Product: Mortgage

My mortgage was with XXXX XXXX. As of XX/XX/19 my mortgage was sold to Specialized Loan Services. When the Loan was transferred I was up to date on payments. I received an Escrow refund from XXXX XXXX for {$170.00}. When finally Received a Bill from The new mortgage company at the end of XXXX there were additional charges of {$370.00}. No one could tell me what the are for. A Statement say that it is delinquent taxes. But when I called SLS they couldn't say what it was for. on XX/XX/19 I sent in writing to SLS a request for info on the charges and have not received anything but an acknowledgement that they received my letter. My taxes are paid through my mortgage if they were paid late by the mortgage company I don't feel that I should have to pay a late fee., If that is what the fee is for. I have been paying my mortgage but my last statement said they will not that a partial payment because I have not paid this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX To whom may concern I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( NAME OF MEDICAL HERE ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges + - Provide a copy of my signature with the provider of service to release my medical informatio to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
6 Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it is in violation of the Fair Credit Reporting Act. I will await your reply with the above requested pronf You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal credit bureaus expected or damages will be sought after. 
XXXX All accounts I. Dispute below XXXX XXXX XXXX XXXX Also another violation they are not reporting full account numbers
Product: Vehicle loan or lease

Subject : Complaint Regarding Unlawful Repossession Practices Dear FTC, et al, I am writing to formally lodge a complaint regarding the conduct of a third-party collection agent acting on behalf of Mercedes Benz Financial Services XXXX On XX/XX/XXXX, at XXXX XXXX, I received a phone call from a person identifying herself as " XXXX, a representative from Mercedes Benz Financial, '' on my mobile phone number XXXX. 

During the call, XXXX obtained very personal information from me and made several threats regarding the repossession of my vehicle, a XXXX XXXX XXXX XXXX. After acquiring this information, she provided her callback information as XXXX XXXX with XXXX. When I questioned her about the discrepancy and asked for clarification, she admitted she was a third-party representative for Mercedes Benz Financial XXXX not an employee of Mercedes Benz Financial as she initially claimed. 

I expressed my concern to her regarding the false representation and the unethical manner in which she obtained my personal information. I further inquired whether the call was recorded, to which she responded that the calls were not recorded and that they were not permitted to use recorded calls. 

This misrepresentation and deceptive practice are clear violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under [ 15 U.S. Code 1692e ] ( XXXX XXXX XXXX ), which prohibits false, deceptive, or misleading representations in connection with debt collection. Additionally, threatening legal action that is not intended or can not be taken is also a violation under [ 15 U.S. Code 1692e ( 5 ) ] ( XXXX XXXX XXXX ). These actions also contravene the Michigan Collection Practices Act, MCL 445.252.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 Americredit Financial made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear TEK COLLECT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws under Missouri Revised Statutes Section 570.223 , which specifically addresses identity theft in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that TEK COLLECT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Missouri Revised Statutes Section 570.223, underscores the importance of protecting consumers from identity theft and unauthorized access to personal information.

I assert with unwavering certainty that I have not provided consent for TEK COLLECT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that TEK COLLECT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that TEK COLLECT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Debt collection

PLEASE CALL MR. XXXX XXXX at THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY OF DISCOVER CARD ( XXXX ) XXXX as he knows my previous complaint about the same matter COMPLAINT ID XXXX filed on XX/XX/2019. 
The complaint was resolved successfully because Mr. XXXX removed the account debt from XXXX XXXX XXXX back to Discover Card at its original Dollar Value. I bought a Cashier 's Check of {$3200.00} to pay the debt and mailed it on XX/XX/2019. I have been in contact with XXXX at XXXX to find if my check arrived which it did on XX/XX/2019 and I was told by XXXX that she also received a check of {$6600.00} from LaVrar THE COLLECTION AGENCY but no problem because Discover Card will collect the debt and the remainder will be refunded to me. The remainder is {$6600.00} but I imagine Discover had to deposit both checks to collect all the monies and THEN ISSUE A SOLE CHECK FOR ME. I have been waiting for the check and I have been calling Shontae at XXXX but the recording says there is noone at the office PLEASE CALL BACK LATER. I called the customer service phone and a Manager COULD SEE A CHECK NUMBER IS GOING TO BE ISSUED but from where she was she could not see FOR HOW MUCH OR WHOSE NAME. I did not sleep the whole night at all THINKING! Not only me but also The XXXX XXXX have asked XXXX to mail back a check for {$6600.00} to XXXX XXXX XXXX to place the funds back in Escrow. The Title Company forced me to sign AGAINST MY WILL ( I have emails to prove it ) The Stipulation to pay LaVrar under threat my debt would go up to include Court Costs and others only to find XX/XX/2019 that my complaint was approved so I could pay Discover Card the lesser amount owed. 
The response of XXXX to my complaint ( dated XX/XX/2019 ) reads as follows : " XXXX HAS NO ACCESS TO THIS ACCOUNT BECAUSE THE DEBT HAS BEEN RETURNED TO DISCOVER ''. COMPLAINT ID XXXX QUESTION : Why did XXXX send the full {$6600.00} to Discover? Why not send it to The XXXX XXXX? Why not brake the monies and pay my Debt to Discover and The remainder send it to The XXXX XXXX? Wasn't it THAT XXXX HAS NO ACCESS TO THIS ACCOUNT???? 
I smell a big fish here. I think LaVrar wants to collect from the check from XXXX a fee and The Managers at XXXX DO NOT KNOW WHAT TO DO BECAUSE THEY HAVE NO ACCESS TO THE PREVIOUS HISTORY OF THE PROBLEM AS Mr. XXXX XXXX. I trust he will resolve wisely like he did in my first complaint. Please call him ASAP before you make a mistake. Thanks.
Product: Money transfer, virtual currency, or money service

hi, i reached out to coinbase, couple of weeks ago and yesterday, but coinbase can not assist me, with my complaint to them, how i wish this coinbase platform be more regulated and whoever use it will be more transparent and they can trace who is using it. because coinbase is a hub for scammers. since this is publict traded stock, i thught it was safe to use. I was WRONG. coinbase know my incident and reported this to fbi. 

i am a victim of scammer, and used coinbase to transfer money to his BTC wallet. The scammer was impostor of XXXX ( there is real XXXX XXXX ) just discovered later in XXXX, but money was transferred already. Coinbase unable to reverse transactions. due to fear i closed my coinbase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX
Product: Student loan

Dear CFPB Representative, I am writing to formally request an investigation into my private student loan with Sallie Mae, which I obtained to attend XXXX XXXX  in XXXX XXXX, Florida. I believe that I was coerced into taking this loan under misleading and unclear circumstances. Additionally, I am experiencing severe financial hardship, including homelessness, and I am requesting a modification of my loan terms to a 2 % interest rate and a reduced payment of {$50.00} per month to reflect my current financial situation. 

Coercion and Lack of Transparency I took out this private student loan without full disclosure of the terms, conditions, and long-term financial consequences. XXXX XXXX  did not properly explain my repayment obligations, the loan structure, or my alternatives. The universitys financial aid office : Pressured me to take out the loan without thoroughly explaining the terms, interest rates, and repayment obligations. 
Did not inform me of alternative financial aid options, such as federal student loans, grants, or scholarships, which could have been more beneficial. 
Failed to provide accurate information about job placement assistance and potential earnings after graduation. 
Led me to believe that this loan was necessary to complete my education, but I was unable to finish my degree due to financial and personal hardships. 

The misleading practices and lack of clear guidance have left me in a dire financial situation, with a loan that I can not afford and no degree or career opportunities to justify this debt. 

Financial Hardship and Inability to Pay I am currently facing severe financial hardship, including homelessness and unemployment. My current circumstances make it impossible for me to afford my current loan payments, and I am requesting an adjustment based on my hardship : Reduction of my interest rate to 2 % Lowering of my monthly payments to {$50.00} Temporary forbearance or alternative relief while I stabilize my financial situation I have been actively seeking employment, and I am doing my best to recover from this situation. However, my financial instability and the weight of this loan make it incredibly difficult to move forward. 

Request for Investigation and Relief Given these circumstances, I respectfully request that CFPB investigate Sallie Maes lending practices in collaboration with XXXX XXXX  and review my case for potential fraud, coercion, and lack of proper disclosure. 

Additionally, I am submitting this complaint to XXXX in the hopes of securing relief, loan modification, or possible cancellation due to predatory lending practices and financial hardship. 

I appreciate your time and attention to my case, and I look forward to your prompt response regarding the next steps in resolving this matter. Please contact me at XXXX or XXXX to discuss further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed on my credit reports and even contacted the original creditor and I was informed it was done online but couldn't give me any information on a fraudulent online payday loan from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card ( Mastercard ) with PayPal on XX/XX/XXXX. They ran my credit and give me a card with {$1000.00} credit line. I received the card in the mail today XX/XX/XXXX with a letter stating the APR was for 25.6 % due to my credit score from XXXX of XXXX. The problem is my credit score with XXXX  was XXXX on XX/XX/XXXX, so my APR should not be 25.6 %. I called PayPal and spoke with XXXX in customer service and she stated she could not change anything. I asked to speak with her supervisor. I waited for 10-13 minutes for the supervisor to get on the line. Her name was XXXX ID # XXXX. She said that the customer service person already tried to change the APR, but the system would let her and there was nothing she could do about it and there was no one over her that I could speak with to get it changed either. XXXX also stated that she could not find the letter that was sent to me. She also stated that the credit rate was a XXXX score. XXXX. I told her that XXXX  scores are single numbers. The phone was quite on the other end. She didn't know what a XXXX  score was. I have not activated this card yet and will probably cancel the card altogether. My credit is good and getting better every month and I don't deserve this high APR either. Please help me get this straitened out.
Product: Credit card

AMEX sent the dispute resolution letter to me past the 30 day window to respond therefore I could not respond in time to rebutte the dispute resolution decision. I have debated this with management which did not help me resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX   ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY COMPANY Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} XXXX  ( XXXX XXXX XXXX ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened onXX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again