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

I have asked XXXX and TransUnion to investigate the late pay and accounts that do not belong to me. According to XXXX and TransUnion, they said the creditors verified the accounts and accuracy. I sent them both a letter stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. TransUnion said they didn't know if they could do that. XXXX said they will provide a method of verification other than e-Oscar. 

I feel XXXX and TransUnion are not reporting accurate information about me. In addition, TransUnion will not allow me to view my credit report online from their webpage or from XXXX XXXX XXXX  This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about, which is preventing me from getting these errors corrected and/or removed. 

They failed to honor my request even after saying it was verified.
Product: Debt collection

Subject : Formal Complaint Against QuestDiagnostics for Improper Billing Practices and Violation of Dispute Resolution Protocols To Whom It May Concern, I am submitting this complaint regarding unresolved and disputed billing practices by XXXX further exacerbated by their actions that contravene XXXX state law concerning debt collection for disputed charges. 

My insurance provider, XXXX XXXX XXXX XXXX XXXX XXXX ( BCBS of MA ), has confirmed on several occasions ( in excess of XXXX communications ) that I am responsible solely for a co-payment for the medical service rendered. Upon examining the charges issued by XXXX, it was revealed that they had repeatedly billed for the same diagnostic test, a practice explicitly prohibited under my agreement with XXXX of XXXX XXXX of XXXX has addressed this by providing XXXX with a detailed explanation of my benefits, highlighting the policy against such redundant charges, and has formally disputed these erroneous charges on my behalf. 

Despite my willingness to settle legitimate financial obligations, including the agreed-upon co-payment for the disputed services rendered on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX has not corrected these billing inaccuracies. Instead, XXXX escalated these disputed claims to a collections agency, Credit Collection Services ( CCS ), a clear violation of XXXX  state law regarding the collection of disputed debts. According to CCS representative XXXX XXXX, collections requests were received on XX/XX/XXXX, for the XXXX service, and on XX/XX/XXXX, for the XXXX service, all subsequent to my dispute filings. 

This complaint requests the CFPB 's intervention to : Halt further collection actions by XXXX and CCS until the disputed billing errors are rectified. 
Investigate the billing and debt collection practices of XXXX, particularly their non-compliance with dispute resolution protocols and state laws. 

I am prepared to provide further documentation and details as required. Your attention to this matter is greatly appreciated, as it not only affects my financial standing but also raises concerns about the integrity of billing practices and consumer rights protection.
Product: Money transfer, virtual currency, or money service

Hello, On XXXX XXXX I withdrew XXXX euros from my Coinbase account to my bank account using my credit card. On XXXX XXXX Coinbase accessed my bank account without authorization and stole those XXXX euros back to I-don't-know-where. The money is neither in my bank account nor my Coinbase account. I have sent like 20 messages to them and have no answer yet. Their phone number allows me only to solve account problems by talking to a machine. No human beings at all. I'm from XXXX and I feel totally XXXX since I'm afraid they have stolen my money, which I will never see again. 
XXXX.
Product: Vehicle loan or lease

Leased XXXX XXXX XXXX from XXXX XXXX  in XXXX XXXX, CA. on XX/XX/XXXX Was never told about disposition fee at time of signing. If we had, we would never have leased the vehicle. OnXX/XX/XXXX, I suffered a XXXX and have been unable to drive since. We continued with lease. My husband did all driving since then. When we turned in vehicle at end of lease XX/XX/XXXX, 2 months later received a bill for disposition fee of $XXXX plus tax from GM Financial, I went back to lease agreement and saw disposition fee. Contacted GM Financial and told them that I could no longer drive therefore could not buy or lease another vehicle. My husband had his own vehicle. I talked to at least 4 different individuals and got no where. A GM consultant by the name of XXXX who represents XXXX XXXX  was suppose to contact me to discuss this problem. She never contacted me. I have made numerous calls to both XXXX XXXX  and GM Financial to get help and they do not return my calls.
Product: Credit reporting or other personal consumer reports

On my credit report. 
All of my balances or incorrect with Equifax, and XXXX and also XXXX i have over 12 disputes. This is a very serious situation that needs to be addressed. Or one of my accounts with XXXX account number # XXXX they have the account as a market. When it is not a mortgage, it is a resort. They also have it XXXX open. When the account been closed sense XXXX i don't owe no money on this account. This is with Equifax. All of my credit cards are paid up.Equifax saying I i have a balance this is not the case, I have no balance. 
My whole credit report needs to be highly examined with extreme correctness i can go on and on and on i need help expedition my credit score I know it's wrong. Please get back with me with all corrections. Your service would be highly appreciated, thank you for your time and concern XXXX XXXX XXXXXXXX XXXX XXXX XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mentioned in my previous disputes that the listed accounts are erroneous and inaccurate, yet those accounts are still showing on my report. This goes against FCRA section 623 ( B ) ( i ).
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, I was informed by a family living off their Cash App card that it wasn't working properly at gas stations and the like. They wanted to test the card to insure it was working correctly as they were making a trip for a XXXX  XXXX for one member of the family. 

On XXXX XXXX, XXXX, at approximately XXXX XXXX. I was sent {$300.00} via CASH APP with instructions to immediately return the {$300.00}. 

At approximately XXXXXXXX XXXX. I immediately sent back the {$300.00} to the same family. 

Both transactions have been confirmed by CASH APP. Neither transaction was confirmed by my XXXX XXXX. 

On XXXX XXXX, XXXX, CASH APP unilaterally entered my bank account and seized a " disputed '' amount of {$300.00} allegedly sent on XXXX XXXX, XXXX. CASH APP has admitted to seeing BOTH transactions and yet claims they are REQUIRED to return monies if there is a dispute with a bank. I inquired of the Bank and CASH APP refuses to disclose. 

I tried to file a dispute and they said I HAD to contact the party in dispute, yet on XX/XX/XXXX, NONE OF THE ABOVE requirement OCCURRED BEFORE unilaterally withdrawing the monies. 

It is my intention to pursue " civil theft '' damages against CASH APP and potential Class Action litigation if this a procedure where other INNOCENT parties have had their bank account unilaterally plundered. If CASH APP can unilaterally claim a " dispute '' allows them to breach your bank account, how many other INNOCENT parties have been harmed by this procedure. It is my intention to make " whole '' all this injured by CASH APP as I have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that XXXX, Experian, & XXXX are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 808 UNFAIR PRACTICES & FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

when I went to the car dealership I was trying to apply for a car. 
I told them only to do XXXX XXXX XXXX 
But however, it was XXXX hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$100.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX & XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

In XXXX 2013 I became aware that some bank accounts had been opened under my name, and were on my credit report as a result of identity theft. I also noticed an address and phone number that are not associated with any place I have ever lived or had as a contact number. I contacted my local police department and filed an identity theft report, and gave the detective the address and phone number associated with the fraudulent accounts. I gave this information to Experian and began the process to resolve the issue. XXXX accounts with XXXX XXXX were opened under my name, and after the dispute XXXX was removed, but not the other. Recently, I noticed it was still under my name and since I am currently in need of a new car, I knew I needed to take care of it to get the best finance options. After filing another dispute, providing them with the police report and email correspondences between the detective and myself, I received notification of my dispute results. The account still remains on my credit report, and I do not know any other way I can prove that this was not me who opened the account. The bank in which the account is opened under is not in my area, and I had never heard of it before this identity theft issue. This is a clear violation, and I believe Experian has not done their jobs in representing one of their members and ensuring my identity protection. I will be fighting this until it comes off my credit report, no matter how long this takes. This is wrong, and Experian should do more to help those who have been a victim of identity theft.
Product: Credit reporting

My mortgage servicing company " XXXX XXXX XXXX '' has reported many of my mortgage payments as late. I disputed the " Late Payments '' with Equifax, XXXX and XXXX. Equifax and XXXX have finished their inquiry and they still show my payments as late. Equifax and XXXX were also provided with the attachment. 
Please see the attachment. The attachment contains email confirmations send by XXXX XXXX XXXX to me about the payment dates and copy of my bank statements for the months XXXX and XXXX. My mortgage agreement gives me up to XXXX day of grace period each month to make the payment. As you can see from the attachment that all the payments were received by XXXX befor XXXX of each month, therefore, these payments are " On-Time ''. Please help me resolve the issue and remove all the " Late Payments '' from my credit report. 
Equifax Case ID : XXXX Case ID : XXXX Case ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts showing on my credit report are unfamiliar to me. These accounts appear on my file are showing without verification. In order for items to show on my credit authorization must be on file. I am requesting to see all verification documents submitted to verify these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : XXXX XXXX : XXXX This account is showing a high balance of {$1100.00}, but it is saying that I am also past due that amount. This information is incorrect. 
XXXX : XXXX I have asked for this account to be verified that the information reporting is correct. The agency has failed to do so. The account is showing on 1 report it is 120 days late on the other agency it is reported as a collection.
Product: Mortgage

Nationstar Mortgage LLC ( XXXX XXXX ) has ignored our requests to correct a problem created back on XXXX 2015 when the monthly auto-payment for XXXX mortgage loans was suspended without notice. 
Since then, Nationstar Mortgage LLC stopped/started partially posting our on-time monthly payments to the accounts in violation of loan servicing and breach of contract laws. Instead each month after XXXX XXXX, the company began to add late fees, property inspection fees, and derogatory reports to our credit history. As of today, the problem is still present. We have received foreclosure notices, phone calls from the costumer 's service staff threatening us with a number a nasty, unfriendly and scary tactics demanding payment even-though the monthly payments to these account are send in before due dates. We are looking for your assistance in getting this problem resolved since the company has ignored all our pleas for a rapid solution.
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. 
Please provide me with a written confirmation of the correction once the investigation is complete. Please help me correct these accounts : XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2100.00}.
Product: Debt collection

I DID NOT RECEIVE A 1099C FROM THESE COMPANIES. THEY WERE REQUIRED TO FILE WITH THE S.E.C EVERY XX/XX/XXXX. WHETHER THEY DID OR NOT IS SUSPICION OF FRAUD. VIOLATIONS OF 15 USC 6801 AND 6802 STATES THE POLICY OF CONGRESS THAT EACH FINANCIAL INSTITUTION RESPECT PRIVACY OF ITS CUSTOMERS. OPTIONS TO OPT OUT WERE NEVER DISCLOSED AS AN ALTERNATIVE. UNDELIVERABLE ADDRESS ARE STILL LISTED AS WELL AS ALIASES.
Product: Credit card or prepaid card

Marcus by Goldman Sachs contacted me and requested that I apply for a XXXX Rewards credit card from them. I applied and was approved. It has been over 6 weeks and I haven't received the card. I've called multiple times but hold times are over 30 minutes. Their online chat feature is a joke. Today ( XX/XX/2022 at XXXX pm ) I called and was on hold 25 minutes. The rep I spoke with said the card has been ordered, but hasn't been mailed. I asked why it hasn't been mailed. I couldn't understand what she said ( phone issues she claimed ). I finally told her I wanted to close the account. At that point, she terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
Product: Debt collection

To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, ACCOUNT NAME-XXXX XXXX  ACCOUNT # - XXXX BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding diversified consultants ( XXXX XXXX ) after ftc told them XXXX XXXX credit report had identity theft. This was never his item.. XXXX has police reports and ftc reports in file on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account by Capital One, which is causing significant financial harm and distress. 

Despite my repeated attempts to resolve this matter directly with Capital One, they continue to report an inaccurate charge-off account on my credit report. This erroneous reporting has severely impacted my ability to obtain credit or financing, as lenders frequently deny my applications based on the negative information provided by Capital One. 

As a result of this inaccurate reporting, I have been unable to secure loans, credit cards, or favorable interest rates, hindering my ability to make essential purchases, such as a car or a home, and adversely affecting my financial well-being. 

I request that the Consumer Financial Protection Bureau intervene on my behalf to compel Capital One to : Immediately remove the inaccurate charge-off account from my credit report. 
Cease all reporting of this inaccurate information to the credit bureaus. 
Take appropriate corrective action to rectify the damage caused to my credit score and financial standing. 
I urge the CFPB to investigate this matter thoroughly and hold Capital One accountable for their failure to comply with federal laws governing credit reporting, including the Fair Credit Reporting Act ( FCRA ). 

The financial hardship resulting from Capital One 's inaccurate reporting is unjust and unacceptable. I appreciate your attention to this matter and look forward to a swift resolution that restores my financial stability. 

Thank you for your assistance in this urgent matter.
Product: Debt collection

I told the collection agency to stop calling my cell phone, they are still calling my cell phone.