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

On XX/XX/XXXX I sent a Cease & Desist letter to XXXX XXXX ( CFPB Complaint number XXXX ) XXXX XXXX agreed to stop ALL Communication with me. I checked my reports and XXXX XXXX is still communication with me through a ( medium ) which pursuant to 15 usc 1692a the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I notified XXXX XXXX to hopeful get this error corrected. The lady was verbally abusive and stated they she didn't have to stop reporting the account because it's not communication ( Ignoring my constitutional rights ) granted to me under FDCPA Since this account is still reflection on my credit report XXXX XXXX is openly and violating my consumer rights.15 U.S. Code 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

My livelihood and PRIVACY have been infringed upon. XXXX XXXX has displayed Defamation of character and ruined my reputations with living and bank relationships. 

In the attachments you will find reference from XXXX  : XXXX to back up my claim and also indicate that XXXX XXXX has violated my constitutional rights granted to me as a Natural Person & consumer
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX  - XXXX 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, credit repair services, or other personal consumer reports

American Honda XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late which is incorrect and unverified. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it is not being reported the same. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation.

American Honda has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.
Product: Credit reporting or other personal consumer reports

I was applying to a job on the XXXX of XXXX and the job offered me a free copy of my credit report and background check. I was amazed to see so many inaccurate information about my home address showing addresses in texas ( XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) I have not resided at these said addresses and after looking them up they appear not to be homes but business addresses-Please REMOVE not my addresses nor have I lived there, and XXXX alleged debts in my credit reports. The debts are Account name : XXXX account # XXXX, listed as a chargeoff for {$800.00}, Account name : XXXX XXXX Bank XXXX XXXX Account : XXXX listed as Chargeoff for {$500.00} and Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX  as late past due {$370.00}. These accounts has violated my federally protected consumer rights to privacy and confidentiality. On XX/XX/year> after researching online the fair credit report acts I came to understand with a consumer attorney friend of mine that the credit boroughs must assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was closing on my condo on XX/XX/2020. On XX/XX/XXXX I received an email from what I thought was my real estate agent saying I needed to wire transfer my closing funds to the title company. I was provided with instructions to wire the money to an account with the address of the title company and an individual 's name. My mortgage broker said this is normal and I could send the funds or wait a little longer. Thinking that I would get the overages back at closing I sent the funds. 
Upon closing I discovered that my funds were never received and I was unable to close. Chase bank never questioned the wire transfer or asked for a transaction number from the title company or even the title company 's name.
Product: Debt collection

Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a XXXX account for XXXX on XX/XX/XXXX, ( discovered XX/XX/XXXX ) was opened using my name/SSN, along with other accounts opened with XXXX and XXXX 's XXXX. I have since disputed this account to be take off several times with XXXX, XXXX XXXX XXXX. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account were found to be fraudulent and were removed from my account. This reporting is severely messing up my credit. XXXX and XXXX & XXXX responded promptly, removed those accounts from my report, and indicated over the phone that nothing further would need to be done. Today, XX/XX/XXXX, I have discovered a collection under my credit report from Jefferson Captial SYST for {$2300.00} from XXXX. I am confused why this collection has appeared now since XXXX told me that it was taken care of.
Product: Credit card

Capital One takes centuries to approve a new credit card. The agony does n't end there-almost a month since i was informed about my card being mailed to me and nobody has a clue where the credit card is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX/ {$0.00}
Product: Money transfer, virtual currency, or money service

I have been a customer of Coinbase since XXXX with a simple coinbase crypto wallet. Unfortunately, I lost access to one of the email accounts that was used to log into my coinbase wallet account. I also lost access to the phone number and XXXX XXXX  to that account. However, I still remember the old email and password and am able to log in, but once I log in, there is a security prompt for an XXXX  to that email, phone number or XXXX XXXX ( which again, I've lost all access to ) so I can not progress any further. The last time I had access to this account was XX/XX/XXXX. I've tried multiple times to do an account recovery via their website so I can prove my identity and that I am the person on the account, but no one has responded from coinbase. It seems almost impossible to reach a human as I've only had responses from bots. I've checked on many forums like XXXX and XXXX and it seems thousands of people have or are experiencing the same issue. 

That said, I recently received a letter on XX/XX/XXXX from coinbase and their law firm stating my unclaimed property will be handed over to the state that I reside in if I don't sign this letter and email it back by XX/XX/XXXX to confirm I am the account owner and that I do not want to hand it over to my state. I signed the letter and emailed it to coinbase 's law firm and then I received an email stating that it's not enough and that I now also need to access my account by XX/XX/XXXX. I was confused because the letter stated I only need to return this letter to stop the transfer to the state, but the email response from them contradicted that letter. I've raised another ticket with coinbase in hopes I can prove my identity and gain access to my account again. I am filing a complaint here in hopes to get some help to reach someone at coinbase to assist me and close this case. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen XXXX,, and since then I've been noticing and seeing a lot of unauthorized Inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate Inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX accounts opened in my name without my consent and permission to do so were fraudulently and done so sometime in 2015 {$5000.00} {$5500.00} Total amount {$10000.00} Currently showing as a charge off and payment not current so it is impacting me twice as it pertains to my Equifax & XXXX Credit Reports as a negative item and double standard twice over. If the company is stating a charge off they can not report that the payment is late or not current.
Product: Credit card or prepaid card

Called but only getting automated response on XXXX XXXX
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/year>2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Student loan

Nelnets default payment allocation policy of applying small portions of each payment to all loans rather than applying the entire payment to the highest interest single loan is predatory and designed to intentionally keep borrowers in debt longer and allow them to collect more interest. I have requested that my payment allocation be changed to have my entire payment allocated to my highest interest loan and they have replied to my repeated requests that doing so will cause my account to be placed in past due status. It is within my legal rights as a borrower to have my payments allocated in the manner I described yet they refuse to make this change to my account. Any other repayment allocation method than applying the entire payment to the highest interest loan is predatory and should not be allowed by the Department of Education or any other agency with jurisdiction over Federal Student Loans. My account is now listed as past due and I can only make payments if I agree to allow them to allocate them in the predatory fashion that keeps me in debt longer and makes them more profit in interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have attached the dispute letters that were sent to XXXX, Experian, and XXXX, which they failed to respond to. Could you please address this issue with them on my behalf? Their lack of response is a clear violation of FCRA regulations, as they are required by law to conduct a proper investigation and provide an answer. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am disputing my credit report from a company named western funding they back dated my report and it showed i had lates on my car payments this is not true because i have auto pay i want these lates off my account. they back dated my account and thats against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and deleted as soon as possible. 
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 XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Consumer Loan

I took out a same-as-cash 12 month payment plan From a XXXX. This was later transferred to Monterey Financial Services, LLC. My loan was paid in full in XXXX 2017 ; however? Monterey continues to collect payment through the automatic debit I gave set-up. They do not respond to phone calls and website is completely bogus. I am Unable to log in to my account and unable to re-set password etc.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Product: Credit reporting or other personal consumer reports

I have requested for accounts to be remove off report, however they have not been removed as requested.
Product: Debt collection

I received an alert from XXXX XXXX reporting that a collection account had been placed on my credit report from I.C. Systems, Inc. on XX/XX/XXXX for {$570.00}. I didn't receive any written or verbal communication from this company whatsoever. 

I called I.C. Systems on XX/XX/XXXX and had a recorded phone conversation with them. They informed me this was a collection bill from a XXXX account from XXXX. I informed the representative of the following information that this bill was never owed by me and that a XXXX store upgraded my phone at no charge and all I had to pay was activation fees which were paid to take delivery of the new phone. Later to find out the XXXX store closed and this was an attempt to rip off customers and sell inventory and pocket money. I never would have upgraded had I had to pay for a new phone. 

XXXX also unlocked the phone for me so I could change phone providers because of this bad customer treatment. Had I owed money XXXX money on a phone they never would have unlocked it. 

I also informed the representative that they were the third collection agency that had tried to collect this debt which was covered under a XXXX  XXXX Bankruptcy in the XXXX XXXX XXXX Ohio Bankruptcy Court which was discharged on XX/XX/XXXX. Case # XXXX. 

I have also filed previous complaints with the CFPB regarding this matter as listed in the case numbers here : XXXX & XXXX. XXXX and its band of collection hounds should be fined and sanctioned for this type of continued harassment.
Product: Student loan

I am supposed to have standing instructions on my account to apply any extra payment that I make each month to Fedloan servicing to my highest interest rate loan. I can provide emails from XXXX/XXXX/15 with my standing instructions on how to apply additional money. Subsequently I increased my monthly payment, and submitted a request to Fedloan inquiring about whether my standing instructions needed to be updated. I was told that changes to direct debit amount would not change my standing instructions. I did some checking into my payment history and discovered that my payments were not being applied as I had instructed.
Product: Checking or savings account

About a month ago I went to Chase Bank located in XXXX Kansas I was asked to present XXXX forms of ID in order for them to call a number so that they can release the funds that were owed to me that were being held in their holds suspension Department I call today XX/XX/XXXX and ask about the check that I was supposed to receive they have told me that I will have to go all the way up to the bank again represent XXXX forms of ID again in order for them to release the check that should have been done weeks ago I would like something done about this I would like for them to pay me double for the XXXX months I've had to wait and I would like the teller who helped me I don't know his name but I will recognize his face I would like him fired
Product: Credit reporting, credit repair services, or other personal consumer reports

For some odd reason my XXXX score keeps going down with Experian. It dropped XXXX points and Im not even using any of my credit or had my credit ran for any reason but my score keeps dropping after all I did to pay it off to have it in a proper place. 
There is no reason for my score to drop. And being that I filed a complaint against them in the past I think that this is their way of punishing me for that. Because there is absolutely no reason for my score to decrease