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

On XX/XX/year>XXXX  I submitted a notice of dispute directly to your company because I was unaware of 3 collection accounts on my credit report. I NEVER RECIVED A RESPONSE FROM YOUR COMPANY. I am disputing under the FDCPA Because I dont recall receiving any initial communication from any of these companies or my notice of debt contents from any of these companies pursuant to section 809 of the fair debt collection practice act. I am demanding the company provide me with proof of initial communication and proof of delivery of my notice to debt contents PRIOR TO furnishing this negative information on my credit report before the completion of this 30 day investigation. The company can send proof to my address written above. If the company can not provide me with my requested demands before the ending of this 30 day investigation I need you to delete from my credit report immediately.
Product: Credit card or prepaid card

A Discover credit card was opened fraudulently with my information. After repeated disputes via credit bureaus the account still stands with the results " data furnisher verified information ''. However after repeated written and electronic requests sent to Discover personally requesting documentation obtained at time of opening/verifying the accounr, they have ignoredballbrequeats. ( Because I'm sure they do not have any ).
Product: Credit reporting

XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, XXXX & transunion ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all XXXX credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance
Product: Money transfer, virtual currency, or money service

i have an account with coinbase i invested in over {$500.00} of bitcoin and ethereum i received phone calls from someone saying they were coinbase i reported this to coinbase coinbase frozen my account, promise to resolve in 10 days that was 3 months ago up until now, i can not access my money i want to cash out and close the account, at the rate of exchange when the froze my account preferably no response from coinbase
Product: Debt collection

On XX/XX/2020 I paid a debt that went into collections with Aldous & Associates, the terms of this payment was pay for deletion. Aldous & Associates did not live up to their end of the agreement and did not report this agreement to the credit bureaus. I have called Aldous & Associates many times and they refuse to acknowledge the agreement. They now hang up the phone on me every time I call. They are rude and use misleading information and false promises to collect debts.
Product: Credit card or prepaid card

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... 

Link to full text of Citigroup policy XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of removing the last incorrect items from my account. Unfortunately, despite Transunion previously removing this item from my account, this collection item, Account name XXXX XXXX, Account number XXXX, still wrongly persists. This collections agency has violated the FCRA in the following ways : 1. Knowingly disseminating incorrect info : the apartment knows the information is incorrect, as does the agency. Thats why the other two bureaus have removed this item from my report. The agency is using lowering my credit score as a way to get me to pay just so theyll go away regardless of the accuracy of the info.

2. Not stating that the bill was disputed : the underlying amount ( both in amount and the very existence of the debt ) is hotly disputed. The apartment and I have disputed the existence of this debt under applicable state law for the past year but the agency is presenting this bill as if it is undisputed. This violates FCRA 623 ( a ) ( 3 ). Transunion is similarly enjoined from reporting this information that is verifiably inaccurate.

3. The agency has failed to report a date of delinquency as required under FCRA 623 ( a ) ( 5 ) ( A ).

4. Because certain information was not reported/verified, the agency was required to modify, delete, or permanently block its reporting under FCRA 623 ( b ) ( 1 ).

5. I attempted to dispute this debt with the agency but it did not investigate as required under the FCRA, particularly Furnished Rule 660.4 ( a ), ( e ). These are just the glaring examples.

Again, this item was already removed but the collections agency submitted it again. I am reaching back out to counsel. I would appreciate it if Transunion did the right thing and removed this incorrect item, again. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are not doing thier job as they tout. I have disputed XXXX XXXX XXXX XXXX two XXXX XXXXXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX / XXXX XXXX and XXXX XXXX card due to theft, fraud, forgery, false pretenses and identity theft.. I have sent sheriff 's report, IRS and Transunion Affidavits, incomplete forgered applications that were utilized anyway to access my credit. I have sent much information that reflects the person responsible. The credit reporting agencies state their responsibility ( but are not doing ) " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue '' The credit reporting companies send to these different companies who simply label as duplicate complaints or verify without any investigation and sending me any type og detailed report.
Product: Money transfer, virtual currency, or money service

Deposited {$500.00} directly into Gemini Exchange to buy crypto on Friday, XX/XX/2021, with expectation that I could withdraw within 1-3 days. Before I deposited I also submitted verify my identity with valid drivers license and sharp image quality. Sent two support ticket emails and have not heard back to original request or follow up inquiries. 

After reading more reviews online, I am hearing that many have experienced this same issue. Im only looking for a response and/or approval of the identity verification requirement. Thank you for any assistance your organization can provide.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX  Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX UNAUTHORIZED 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I obtained an auto loan back in XXXX in the amount of XXXX for a XXXX XXXX XXXX XXXX XXXX. I was able to pay on the car until XX/XX/XXXX. I spoke to CPS on several occasions and told them I am no longer able to pay the XXXX because the car requires too much maintenance. They told me to ask family, friends, etc or try to obtain credit just to repay them back. I explained I have exhausted all of my resources to try and repay the loan. CPS refused to hear me. They call me non stop, thousands of times a day, 7 days a week harassing me for the outstanding balance. They made threats of coming to repossess the vehicle. I told them to come and get it. They lied and still won't come and get it. I asked them to come and get their vehicle. They won't come and get it. I asked them to grant permission for me to have it taken to a cash for car place and they said no they want the money. They don't care just as long as they get the money. They just want to harass me daily. They have also harassed my daughter and had their employees call pretending to be attorney 's threatening to file court petition complaint. I am tired of being harassed by CPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was locked up on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take
Product: Credit reporting or other personal consumer reports

Kindly update my account this causing me a lot of stress and XXXX.
Product: Credit card or prepaid card

CITI bank denied application due to unknown reason. Please see copy of attached letter.
Product: Debt collection

Received a bill from a collection agency in the mail on XX/XX/23. Called on the phone and was told I owed {$190.00} to XXXX XXXX in XXXX Texas. Ive never been to Texas and have had no utilities there! My DOB was used and I was told it was a case of identity theft.
Product: Credit reporting or other personal consumer reports

The reporting of transaction history between myself and XXXX XXXX XXXX is a direct violation of XXXX U.S.C. XXXX ( d ) ( XXXX ) ( A ) ( i ). I was not provided a chance to opt out of having my information reported, a right protected by the Gramm-Leach-Bliley Act. I must maintain accuracy in my consumer report. This transaction triggers a taxable event which is treated as gross income. It's important to note that income is not reported on the consumer report XXXX XXXX XXXX account # XXXX opened on XX/XX/year>XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Truist bank. Deposit what you people call cash into the atm. The atm cut one of my {$10.00} bills In many pieces. Called Truist number nothing happened. Need my {$10.00} credit to my account. 


I have a Id government card called XXXX XXXX XXXX Your bank tellers in XXXX fl asking me for my drivers license. My card is issued by the state. 

XXXX XXXX
Product: Debt collection

Harris and Harris has been calling me several times a week for collection of a debt. I have no idea what they are calling about and have asked repeatedly for the bill. 

I have never really a bill from them and they refuse to answer who they represent and what the charges are for.
Product: Debt collection

Ally financial and XXXX XXXXXXXX XXXX from XXXX MD voilate many law against me unfair deceptive false voilate FTC FDCPA, FCRA and XXXX XXXX XXXX XXXX XXXX XXXX and lender copy is XXXX seaprate contract therefor hold no legal right I deman they return my car after they repo holding a contract that falsing create by the dealer Our orginal contract date purchase XX/XX/XXXX and lender copy date XX/XX/XXXX all esign without our consent and fraudulent create a new contract for lender and hold no legal right to repo my car I deman to return the car they voialte the truth lending act never disclose APR and finance charge and whay included becuase if they truth and disclose about it how my contract was add additional fee and warranty and such GAP that fiance charge include and cover everything voilate the TILA and forgery esign on a 2nd created contract I'm using 15usc1635 oh my right to impose and demanding to return our car and the lender is a servicer for the dealer so is debt collect stated and holding a fraud contract to collect illegal and seize out car where u show no documents u even have the right so they can now create all kind of co tract and do random esign signature and start doing whatever they want? The contraxt show THE ANNUAL PERCENTAGE RATE MAY BE NEGOTIABLE WITH THE SELLER..THE SELLER MAY ASSIGN THIS CONTRACT AND RETAIN IT RIGHTBTO RECIEVE A PART OF FINACE CHARGE SO THERE A CONFLICT INTETEST BETWEEN DEALER AND LENDER TO USE UNFIAR PRACTICE TO STRUCTURE A LOSN FOR CONSUMER FALSING THAY NEVER HAVE ANY BENEFIT TO CONSUMET BUT MORE % OF FIANCE CHARGE THEY SHARE TOGETHER SO ONCE AGAIN 15USC1635 RETURN MY CAR AS U HAVE NO LEGAL RIGHT HOLDING A FALSE CO TRACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and removed.
Product: Debt collection

I received a Collection Notice from a different collection company regarding XXXX XXXX XXXX XXXX, account # XXXX in the amount of {$220.00}, reference # XXXX. I disputed the notice and the collection was removed from my account. 

The collection company has transferred the collection account to ERC and now I have a new letter stating I owe them for XXXX XXXX XXXX collection. 

I do not owe anyting ; I have never done business with XXXX XXXX. I wish to have this problem corrected and stop receiving threatening letters from. 

Thank you.
Product: Money transfer, virtual currency, or money service

This situation has caused me so much stress, especially during these hard time during covid-19 finding out my family member has covid and having trouble with the medical bills has impacted my life and when I signed up for the self secure credit card and put down a secure deposit to be able to help with my consumer credit score. I really believed that self lender had the consumer best interest in mind instead of there own selfish interest in this transaction. they closed the account with out allowing me to set up any type of payment arrangement and on top of that they are attempting to charge interest and fees during this time of hardship and this situation has caused even more distress on my mental and financial Self is suppose to mail back my deposit since they closed the account but didn't have any procedures to help me out with this situation at all. according to the FDCPA 15 usc 1692h : If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

According to the FDCPA a debt collector is whom regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due to another.

Since I wasn't loaned any money Self is a debt collector and you are violating the FDCPA by not directing my payments in accordance to my direction.

Self stated that they will not follow the law.
Product: Debt collection

Company Name : Portfolio Recovery Associates , LLC Violations : 1 ] Attempting to collect on a charged off debt. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 2 ] Attempting to mislead me about the status of my charged off debt. ( XX/XX/XXXX ) 3 ] Calling my phone number on XX/XX/XXXX, after I had called back and put in two separate Do Not Call requests with the company ( XX/XX/XXXX and XX/XX/XXXX ). 
4 ] Calling my phone number on XX/XX/XXXX, after I had explicitly put in a Do Not Call request with the company on XX/XX/XXXX. 

This company began calling me in early XXXX, attempting to collect a debt on a credit card that had been charged off in XXXX and was set to be removed from my credit report in XXXX. When I called back the first time, I advised them they were collecting a charged off debt and asked to be placed on Do Not Call. They called back 2 days later, so I called back and requested Do not call status again. This morning, they called me back at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in a covid forbearance for two months XXXX and XXXX of 2020, due to job loss for my two XX/XX/XXXX accounts. I was told the accounts would not report more past due than what they were due to the fore forbearance. Neither account was 30 days past due when I enrolled, so the reps at XXXX XXXX all advised my account would be reported as current. I received a notification, saying my accounts had been reported to the bureaus as past due. One account was reported 30 days past due for {$1.00}. I have spoken to endless supervisors and written letters of dispute to both XXXX XXXX and all three of the bureau. They didnt do a good job investigating this issue, as they responded back a day later saying it is verified.XX/XX/XXXXXXXX claims they opened their own investigation which took a month and advised their investigation was completed and claims I was not enrolled in forbearance when I was since my payment due screen was XXXX. They said the rep I spoke with must of forgotten to enroll me. The bureaus automatically side with the creditor and didnt investigate this properly. I wrote them all a letter and disputed these three collective late payments online. No one will help.
Product: Debt collection

Reporting inaccurate data on my credit report. A XXXX account is showing up on my report with this company listed as the collection agency, I 've requested debt validation and they refuse to send any validation. This account is not mine, instead they keep renewing the date to show as a new debt and never send me validation of the debt. A police report was filed and sent to them and still nothing was done.
Product: Credit card or prepaid card

Hi Macys! Good Afternoon Team! How are you doing this pandemic and Covid19? Hopefully, youre safe and sound! Listen, Im extremely disappointed and shocked because i just looked at my credit again and noticed that the 2 late payments remarked are still reporting on my credit. Remember I called your company directly late XXXX  to ratify the situation and your representatives mentioned that they will submit a request to remove the late payments thats reporting on XX/XX/XXXX and XX/XX/2020. I also remembered when COVID started my bank was closed and I couldnt see the transaction history and I was certain that your company had automatic payment authorization. 


Again, this never had happened to me, and therefore, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Bank account or service

Capital One refuses to make an exact direct transfer amount from my IRA XXXX accounts to XXXX. I began the process in XXXX 2015 and since XXXX XXXX, my attempts by e-mail, letters, and telephone, in concert with XXXX meet continuous resistance from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Name XXXXXXXX XXXX, Account # XXXX Name XXXX XXXX XXXX, Account # XXXX Name XXXX XXXX XXXX XXXX Account, # 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