23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The amount paid off was {$31000.00} since XX/XX/XXXX  and until now I did not get my title yet or either they issue a LIEN RELEASED. They are telling its dmv fault because they are so slow. Today I went to dmv to check the status, they said they did not to their part to release the lien.
Product: Vehicle loan or lease

on XX/XX/XXXX Unifour financial hired a third party non affiliate to repossess XXXX XXXX charge a vehicle that was financed through the company. the company stated the reason for repossession was due to lack of insurance. on Tuesday XX/XX/XXXX I spoke to a representative over the phone that exclaimed that the car did not have insurance, I expressed the vehicle did have insurance. it was not discovered until I called on the XXXX after the repossession, that unifour financial team was able to determine that the vehicle did have insurance which would make the repossession one that was false and misleading. 
pursuant to 15 usc 6802, 15 usc 1692f ( 6 ) Unifour financial has violated my consumer rights. along with causing time to be missed for work, picking kids up from school etc.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is reporting wrong information as it regards my payment history. but the credit company will not fix it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account with CoinBase ( www.coinbase.com ) and tried to withdraw funds to close the account on XX/XX/XXXX. I was informed by Coinbase that funds would be in my account by Tuesday XX/XX/XXXX. No funds arrived so I created a trouble ticket ( ticket ref : XXXX ) with them on XX/XX/XXXX. It is now XX/XX/XXXX and I have received zero response to that trouble ticket and to further attempts at contacting Coinbase. They have published a telephone number for support but after 45 minutes my call had not been answered so I gave up. 

I am seeing many posts online where people trying to withdraw funds from Coinbase are seeing many MONTHS delay in getting payment and I am trying to avoid it happening here.
Product: Debt collection

XXXX - XXXX {$540.00} XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} The above accounts are on my credit report but do not belong to me.
Product: Debt collection

I have this removed from XXXX  I dont owe this bill. Its not mine. Ive never lived at that address or gave anyone permission to have stuff turned on in my name. The address is not in the XXXX XXXX utilities district. Dont go that far in that city. Im getting XXXX and they are putting things in collection when I filed bankruptcy on it. XXXX in XXXX, TN is the name of company.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.PLEASE DELETE IMMEDIATELY
Product: Debt collection

I receive a letter from XXXX concerning a debt that is not mine from XX/XX/1999. I called and told them this debt was not mine and it needed to be taken care of immediately to ensure I did not receive any further correspondence. The woman I spoke to said needed to dispute the charges. This is the 3rd time I have had to deal with this company ON debts and I am really tired of getting collection letters from them. I ended up having to pay for 2 accounts that had already been paid the last time. I do not intend on paying for something that is not mine and especially for the year XX/XX/1999 nearly 20 years ago. This is ridiculous. They need to be investigated and stopped from harassing people for things they do NOT OWE.
Product: Checking or savings account

On Saturday, XX/XX/2021 I reviewed my online account with Huntington Bank and immediately noticed that {$750.00} had been fraudulently deducted from my checking account on XX/XX/2021 via a method shown as " Substitute Check ''. The check image for the transaction is available and it clearly shows that my name and address are not on the check, and my signature is also not on the check, yet Huntington Bank allowed the transaction to go through and be deducted from my account. The account holder name on the check is " XXXX XXXX XXXX '' and the address is from another state. 

As of Tuesday, XX/XX/2021, Huntington has not removed the fraudulent transaction from my account, nor has Huntington Bank contacted me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX
Product: Debt collection

They will call multiple days in a row all within different times of the days. Constant calling from different numbers.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with Equifax as of XX/XX/year> and noticed that the account does not report my name, or a account number, nor does it report a open date from the lender or collector. it lists no info for last payment or close date. this report in this account list the creditor contact information and address even though its a collection account. as a result of these findings, this account is illegal and serves no purpose but to do harm to my credit profile and my financial potential. and in violation of my rights under the FCRA 15 USC 1681, the FDCPA. as a result my credit score is improperly represented.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a tax lien on my credit report with Equifax. It is not mine. I have the same name as my father. They are confusing me with someone else. I contacted the IRS AND STATE CONTROLLER OFFICE and confirmed that this does not belong to me. I disputed this with Equifax and they are continuing to report this on my credit. The IRS stated that they never verified anything like this on me to Equifax and that they do n't do electronic verification.
Equifax failed to respond to my dispute on this error. it has been past 90 days
Product: Checking or savings account

I opened up the 5/3 Essential Checking on XX/XX/2019 under their {$500.00} opening promotion, {$250.00} for " Reach Individual Account Balance of {$500.00} within 45 days. Maintain Minimum Balance of {$500.00} for 60 days. ", and another {$250.00} for " Reach Total Deposit Account Balance of {$15000.00} within 45 days. Maintain Minimum Balance of {$15000.00} for 90 days. '' I've completed the requirements for both and have only received {$190.00} in payout. They paid out the first {$250.00} and withheld {$60.00} for tax purposes. When inquired, they stated I never filled out a form in-branch, but I opened up my account and was never sent such form. The other {$250.00} simply never posted. Despite multiple secured message inquiries saying that it would post, they never did.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  received email notification that 2 Venmo transfers were made each in the amount of {$300.00} and the funds for the transfers were debited from my associated XXXX XXXX  checking account. My Venmo phone app confirmed this information too. I did not authorize either transfer. One of the transfers was to a friend on my " Venmo Friends List '' the other was to someone I do not know. I called my friend and he did in fact receive this unsolicited transfer of {$300.00}. I called Venmo customer support and reported the fraud and was told an investigation ( # XXXX ) would be done. A few days later, I received an email from a Venmo " account specialist '' indicating that their investigation determined that the 2 transfers were " not unauthorized '' and my claim was denied. I called Venmo customer support wishing to speak with this account specialist or anyone in their fraud department to ask question about just how this investigation was done. I was informed that the account specialist team members conducting these investigations will only communicate with customers by email. I responded to the email asking for the document ( s ) used to conduct their investigation. After more calls to customer support and additional emails, I was finally sent a document ( attached ) that seemed to prove the transfers should be deemed, at the very least, suspicious. The doc showed previous authorized transfers coming from one device from a location listed as " XXXX XXXX, NJ, XXXX ''. The two fraudulent transfers came from a different device number and lists the location as only " US ''. Most importantly, the time of the transfers was listed as XXXX XXXX  for both. I subsequently learned from yet another customer service rep that the transfers actually came within 5 SECONDS of each other which she agreed was improbable and likely due to a " glitch '' in their system. Yet, I still am unable to speak with any " account specialist '' and I believe this is done deliberately to thwart any reasonable fraud claims.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes in reference to the account from XXXX  XXXX XXXX XXXX. The credit bureaus have intentionally disregarded ever effort I have submitted to have this account removed from my consumer credit file. Hopefully YOU ' the CFPB are able to get the credit reporting agencies to remove this item from my consumer credit reports. This item can not be verified or validated because it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company refused to provide me with documentation requested due to identity theft but continued to report the false information on my credit report. 
Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges that are indicated on the report : I have enclosed a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ) .The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : 1. Account applications with my full name made on paper, online, or by telephone.

2. Account statements or invoices 3. Records of payment or charge slips and when did account was open 4. Delivery addresses associated with the account 5. Records of phone numbers used to activate or access the account 6. Signatures on applications and accounts.

Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft.

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.

State the amount of the debt when you obtained it, and when that was.

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

Provide me with the records I request Thank you for your cooperation. 

Sincerely,
Product: Credit card or prepaid card

Taking advantage of a Citi Cards balance transfer promotion, I requested through customer services that they make a transfer for {$670.00} to XXXX XXXX from the XXXXXXXX XXXX store, when I checked the account, the transfer was made to a XXXXXXXX XXXX XXXX XXXXXXXX and I don't have an account with that bank, because it was a mistake by your customer services. 
Since the month of XXXX I started the claim with Citi. On XX/XX/XXXX they sent a letter only to notify me that the transfer had indeed been made to XXXX XXXX XXXX 
When they did not solve my problem, because they neither made the transfer to XXXX nor credited the money to my account, I called again and they promised me an investigation. On XX/XX/XXXX, they sent me a second letter and in this they tell me that I am the one to call XXXX XXXXXXXX XXXX but I do not have an account with that bank. I called again to tell them that it is Citi who has to work on it, because they made the mistake, so they told me that I would resubmit my complaint to resolve ; but on XX/XX/XXXX they sent me a third letter and in this they tell me that Citi definitely can't do anything and that I am the one to complain to XXXX XXXXXXXX XXXX, I called again and this time they put me through a supervisor, she agreed with me, but so far they do not solve the problem for me ; I made this last call on XX/XX/XXXX with a supervisor named XXXX
Product: Credit reporting or other personal consumer reports

XXXX AND EXPERIAN ARE REPORTING XXXX XXXX {$9700.00} INCOME ON MY CREDIT REPORT. I ATTACHED 1099B FOR PROOF FROM THE IRS THAT THIS IS TO BE FILED WITH MY TAXES AS INCOME PER IRS GUIDELINES THEY PROVIDED ON THE 1099B.
Product: Credit card

Capital One card was opened by me. The company was informed that this account was paid by some individual that was not me. The amount {$9100.00} This was not my account, nor did I make any payments. This was opened with the information that was on my credit report. I'm asking that the information be removed, and the account closed. I would like as well that the social security number blocked from opening any account in my name. I filed a police report XXXX in XXXX XXXX police department. XXXX XXXX XXXX Thank you. 
XXXX XXXX
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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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 informationisinaccurate
Product: Credit card

On XX/XX/22 the account was closed and on XX/XX/22 it was reported as charged off. Now from XX/XX/22 until the present they are still to the CRA the the account is being charged off. Once an account is closed, it can only be charged off once. So they arereportinginaccurate information to the CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Subject : Formal Complaint Regarding Violation of Debt Collection Laws and Assertion of False Debt Claim Dear Sir/Madam, I am writing to file a formal complaint against Hunter Warfield for violations of the Rosenthal Fair Debt Collection Practices Act, the federal Fair Debt Collection Practices Act, and under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ). Additionally, I assert that the debt claimed by your agency is erroneous, and I do not owe the alleged amount. 

On [ date of first contact ], I was contacted by Hunter Warfield regarding a debt allegedly owed for XXXX XXXX XXXX. However, I want to clarify that I dispute the validity of this debt and assert that I do not owe the amount claimed by your agency. Despite my assertions, your representatives persisted in their collection attempts, thereby violating my rights under both state and federal law, as well as the regulations enforced by the CFPB. 

During our interactions, I observed several instances where your representatives disregarded the rights afforded to me, including : XXXX. Contact outside of permitted hours : Your representatives contacted me outside of the permissible hours as outlined in the Rosenthal Fair Debt Collection Practices Act, specifically before XXXX XXXX. and after XXXX XXXX. 
XXXX. Use of harassing language and threats : Your representatives used threatening language and implied consequences of violence or arrest, which is prohibited under both state and federal law. 
XXXX. Improper communication with third parties : Your agency attempted to contact third parties regarding my debt, violating my privacy rights under the law. 

Furthermore, I hereby request the following information as per my rights under the applicable laws and regulations : Documentation proving Hunter Warfields authorization to collect the debt. 
An itemized breakdown of the debt balance, including any interest charges and additional fees. 
The original creditors name, account number, and other relevant information. 
A copy of any contract or agreement pertaining to the alleged debt. 
I demand that Hunter Warfield ceases all collection activities until these violations are addressed and the requested information is provided. Failure to comply with these demands will result in further legal action. 

Please respond to this complaint within [ specify a reasonable timeframe ] to rectify these violations, provide the requested information, and cease collection efforts on the disputed debt. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have violated my rights of privacy. I did not give written consent to these companies... 
XXXX bank XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX card XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX