23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Enhanced Recovery Company is currently reporting a collection to XXXX  and XXXX  regarding a XXXX debt. I have never had an account with XXXX and this is a result of identity theft. I have tried to resolve this issue 3 times with the credit bureaus directly, in addition to submitted a copy of an FTC police report to Enhanced Recovery Company demonstrating that this does not belong to me, yet they continue to report this false debt which is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX  XXXX and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXXs online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I send a SEPA payment to a company located in XXXX XXXX  CA, called Coinbase to add funds to my account. This was XXXX ( Euro ), I got an E-Mail that my account was not verified thus they could not accept the funds and would send it back, which was odd because I tested out 1 and when I experienced it worked I added this amount. I made sure to verfiy my account and send another XXXX in 2 payments of XXXX thinking the initial XXXX would return anyway, these last 2 payments had no issues I must admit.

So I first contacted support on XX/XX/XXXX and when I noticed I did not get any response I pulled the XXXX from them which I received without any issue but still no sign of the XXXX they were going to send back.

on XX/XX/XXXX I once again contacted support asking them to answer my initial question, I must make a side note that they claim to answer within 48 hours.

On XX/XX/XXXX I got an automated message asking wether the issue was solved or not.

On XX/XX/XXXX I responded telling them it was still not solved.

On XX/XX/XXXX I got a response in which they apologised for taking so long to answer but besides this apology nothing else was stated in the response.

I directly responded that their response was irrelevant and did add nothing.

They immideatly responded, telling they were looking in to the case with a team of specialists and they would contact me soon.

This did n't happen I contacted them three times within 2 months before I got a response of platitudes.

at last on XX/XX/XXXX they asked me for some details which I sent to them and they told me again to look into it with a team of specialists and contact me.

Again they did not contact me and today XX/XX/XXXX I contacted them asking why it takes so long, in the mean time I file a complaint with you.

I have contacted their bank which forwarded me to my own bank saying my bank could help me and they could not.

I contacted my bank and they told me the only thing they can do is send a formal request to Coinbase requesting the funds but it is a request which such companies usually ignore. at this point I was discouraged and did not take any other steps.
Product: Mortgage

On or about     X/XX/2016    , I calle d PennyMac Loan Service, r egarding my statement, it showed I had a Credit Balance, ( This was for   XX/X/16  Pay ment ) After being on Hold fo r 15  minutes, she said NO on    XX/XX/XXXX    Payment and just mak e  XX/X/16  p ayment. I said are you sure, she said  YES.      So I mad e  XX/X/16  on time, NOW after 6 months I get a letter in the mail stating I am Delinquent. WHY?      I have had  XXXX  loans with  PennyMac, N EVER had any issues until now.     I am on  XXXX  and I can not afford to make  2 p ayments, I only get {$1200.00} from  XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following fraudulent accounts that have appeared on my credit report. These accounts were not opened or authorized by me, and I request that they be removed immediately from my credit report as they are inaccurate. 

The accounts I am disputing are as follows : XXXX - XXXX XXXX XXXX XXXX - XXXX Diversified Adjustments - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have attached a FTC IDENTITY THEFT report along with this complaint also
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # : XXXX, XXXX XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXX XXXX-Account # : XXXX XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXXAccount # XXXX XXXX, XXXXXXXX XXXX-Account # : 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 an account without my written instructions.
Product: Debt collection

XXXX have never had an account with this company CREDIT COLLECTION SVCS  XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXXI am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are CREDIT COLLECTION SVCS the debt collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX.As mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.
Product: Debt collection

I had a medical bill back in XXXX 2020. I paid part of the bill but requested for assistance. I received XXXX XXXX  to pay off my debt. Didnt know all the debt was not paid and the rest sent to collections. Saw collections company ARS on my credit report today. Never received written notice from the collection company about debt to try to negotiate.
Product: Checking or savings account

Ive had a U.S. bank account for less than a month and it has been the most inconvenient experience Ive ever had. I havent been able to use my card for large transactions, and merchants have blocked me from using their services online due to the restrictions and flags placed by US bank. When adding my card to XXXX XXXX, I had to call in and wait on hold to complete the process. Not even 24 hours after having my card attached to XXXX XXXX, I had to remove it and have been unable to add it back. After almost an hour on the phone with 4 different departments and a manager, theyre telling me there is a block on my card and a specialist will reach out to me in 24-48 hours to unblock my card. Manager XXXX I just spoke to also informed me I may not be able to withdraw my funds from this account in person. This makes absolutely no sense that US bank is holding my funds from me with no resolution from customer service. Need this rectified asap as I need to use my card and have access to my money.
Product: Debt collection

Notified by debt collection agency PROCOLLECT regarding an effort to collect on a utility account with XXXX XXXXXXXX The account was fraudulently opened using my credit information and is the fifth originated with a Texas utility in the past year. I've contacted XXXX I've never lived in Texas nor contracted with a Texas utility services provider. I have answered to the requests by XXXX to provide proof of identity as well as attempted police report filing. My requests of ProCollect have gone unanswered despite MULTIPLE, proven receipt attempts and I have been treated VERY POORLY by their representatives during follow-up conversations. The latest conversation ( XX/XX/23 ) regarding the police report filed : NM  wont fully process because incident occurred in TX and TX wont accept because I dont live in TX XXXX Attempted to explain this to ProCollect but it was unaccepted, and I was treated EXTREMELY rudely. ProCollects efforts I now consider inappropriate, unprofessional, and abusive as compared to another collection agency I worked with to resolve the previous fraudulent accounts. I have also contacted respective credit bureaus to revise and freeze my reporting and am currently in contact with XXXX XXXX to assist in resolving. XXXX has since resolved this issue. This appears to be the result of the XXXX data breach.
Product: Credit reporting or other personal consumer reports

PLEASE SEE LETTER ATTACHED- I am requesting that the FTC assist in investigating this matter and help ensure that the fraudulent accounts and inquiries are removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made on XX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX   XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX   XXXX XXXX XXXX XXXXxxxx XXXX/XXXX  XXXXxxxx
Product: Credit card

I have had a Discover Card for some years now, so today I received the following email from Discover Card : '' Important Information about your AccountFrom Discover Card Customer ServiceDate Received : XXXX/XXXX/2015 XXXX PMDear XXXX XXXX, Action Needed : A recent account review indicates that your income information may be outdated. We are required by federal regulations to have your current income on file in order to service your account and satisfy your future credit needs. Please take a moment to update your income. 
Your privacy is very important to us. As always, we will keep your information secure. 
Simply click here to update your information now. To update your income in our Mobile App, log in and select " Profile & Settings '' from the menu and select " Account Profile '' from the sub-menu. You can also call us 24 hours a day, 7 days a week at XXXX. 
We appreciate your business and the opportunity to be of service. Thank you for choosing Discover. 
Sincerely, Discover ( R ) Card Customer ServiceIMPORTANT INFORMATIONYou are receiving this e-mail because you are a Discover Cardmember. 
Please do not reply to this e-mail as we are not able to respond to messages sent to this address. " So, my question is : WHY is there a federal regulation requiring me to tell Discover Card my annual income? And guess what, I am breaking this regulation, because I wo n't be giving Discover Card my income - PLEASE PROSECUTE ME, PLEASE PLEASE.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
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 XXXXXX/XX/XXXX
Product: Student loan

As of XX/XX/XXXX I have e-mailed my loan handler several times in reference to a discrepancy on my loan balance. I picked up on the discrepancy due to an update on my credit report which shows it as a credit limit increase. However, the balances were current and the result of previous disbursement as it was stated on my financial aid reward. To simplify things previously opened account with balances were further charged not to cover for my expenses such as tuition but for purposes unknown to me.In fact, the form XXXX shows the accurate amount of {$11000.00} paid on tuition for academic year XXXX. However, after having contacted the loan handler and the school financial aid department alike the amount paid for tuition was adjusted to compensate for such additional charges. In any case, I am being overcharged by several thousands of dollars and no one is acknowledging the nature and gravity of the problem. I want to point to the fact that such issue could be consider criminal in nature considering the fact that it involves cash and actions that could be interpreted as fraud and theft. By my calculation the extra charges at least the one I found total around {$7300.00}. However, I wonder if such practice is unique to this situation or if it has been done several times before. Logically, requiring a complete examination of my complete borrowing history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquires on my credit report that I did not authorize, I filed a dispute to have them removed or show proof of authorization and they did not remove or show proof that I authorize the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was given permission to run my credit ( in-house ) for the purpose of providing an auto loan ( XX/XX/19 ). 
XXXX  ran my credit again ( and without my knowledge or permission ) nearly 14 days ( XX/XX/19 ) after the terms of the loan were established.
Product: Vehicle loan or lease

I have an auto loan with Ally Financial. I sent them a letter regarding discharge of debt. In response, Ally sent me a letter stating they don't know what I'm trying to accomplish but they are now restricting my account for 6 months where I can only make payments to them with certified funds. I have always and on time made my payments via their app. The funds are withdrawn from my bank account and deposited to the loan balance. 
They are forcing me to pay an additional fee to XXXX, XXXX XXXX, etc to make payments for 6 months. I perceive this as some sort of retaliation to my request. I don't see how they have the right to cause me additional financial burden in order to make a payment that I've never been late on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer to expand my credit limit for my secured card of {$300.00}. I called several times and asked questions prior and advised of my plans to extend my limit and to later apply for the account to change into a unsecured card ( knowing of a hard post ). The representatives never stated that to extend the credit line, there would be another hard post. Had I known, I would have NEVER agreed to take that route. Upon notification that a hard post has been posted, I immediately reached out to the XXXX XXXX XXXX for clarity and was told that they had to have a verbal consent. And that the paperwork had a fine print for the hard post. I explained that something that important should stand out and be explained. I have had a secured card before and they never redone a hard post to extend a limit or to change form secured to unsecured ; especially since having a great report. As advised from a XXXX rep, my next steps is to file a complaint via you. I want the hard post off my credit history because I did not give permission to do so.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year>XXXX  ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my Experian credit report on XX/XX/XXXX, and after reviewing the information, I noticed that Experian have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/XXXX and have been on my file since then. I have disputed this information with Experian to get no response, or just completely ignore the fact that the information, is incorrect. Experian is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. So how is this placed on my consumer file since the court did not furnish this information to Experian. On XXXX XXXX I filed Complaint Number : XXXX to Experian, who replied stating that their are working on the file. They never provided me a completed credit report, and or investigated the initial dispute regarding the bankruptcy on my credit report. Experian is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i. Please note that, I also contacted the court who provided me the letter attached to this second dispute.

See Experian response : This is the company response : At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX, XXXX, TX XXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/XXXX. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumers swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian..
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX DateUpdated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated:XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXBalance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX