23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

XXXX was the one that handles paying me {$100.00} after a gig, which leads to XXXX in order to claim the money. The card only has 6 month expiration date from the day you click to redeem which I thought it had a year. I am calling back at virtual reward center on the XXXX month they 've told me the card has expired and there are no way to access my fund which is still available at citiprepaid. Person I spoke with at citi was XXXX XXXX, # XXXX Both Virtual Reward Center and Citi said there is nothing they can do to access my fund, and they can not issue me a new card. Citi 's customer service is XXXX, and virtual reward center are contacted through email at XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i contacted XXXX XXXX XXXX to inform them that i would like a fraudulent account removed from my credit report and what actually happened was that XXXX XXXX XXXX reported it as an closed collections which is impacting my credit report, i had already requested the fraudulent to be completely removed and deleted due to some contract being opened and reported with XXXX XXXX with out any of my knowledge.
Product: Credit reporting or other personal consumer reports

Payments for XXXX XXXX XXXX incorrect account was never late I been disputing with company and put in complaints with them. Now at this point the credit bureaus are still reporting inaccurate. Also this company is violating my privacy rights according to consumer law. 


The dates in question are where all paid but considered late do to there system failing to report the payment as on time. This comply is false reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was co-signed for my friend who bought the new motorcycle from XXXX XXXX in XXXX Texas since 2019 XXXX. Unfortunately my friend did not pay few times on time and it affected my credit record. The dealership did not tell me the co-signed meanings for details. I didnt get any documents for purchase when I signed up for the contract. My friend also was not honest with me and paid the bill on time ( $ XXXX month ), now the total balance is around {$10000.00} left for his bike. Dealership just told me that co-signed can help my friend to build up his credit and sales XXXX really pushed me to sign the contract for my friend. I have been cheated by dealership from sales person. Now I want XXXX XXXX finance service to remove my co-signed. I also paid two times for my friend for late payments about ( {$800.00} )! I swear XXXX I never know what the co-signed means when I know it is risk to me was too late. Now I just want your help to remove my co-signed from XXXX XXXX dealership. Currently my friend will continue to pay his bills because he has job and still can build up his credit! It is not necessarily to keep my bad feelings! Its really affected my credit! I really appreciated it! 
Sincerely!
Product: Debt collection

In XXXX, I opened an count with XXXX XXXX. The account was closed in XXXX with a past due amount. At some point the account transferred to collections with an open date of XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.
Product: Student loan

In 2009 tried to reduce the interest on the Sallie Mae/Navient consolidated loan to the rate being charged on student loans and was told that because it was a consolidated loan the interest rate of 9 % could not be lowered to the federal student loan rate, at that time approximately 3 %. Now the current rate f.or federal student loans is 6 %. Navient, a private loan company, is getting rich off of federal student loans that it keeps at a high rate of interest.
Product: Credit reporting or other personal consumer reports

Please remove all listed fraudulent accounts from my transunion account attached is a copy of my identity theft report with all fraudulent accounts listed on transunion it is against consumer law to report fraudulent accounts on consumer credit reports. 

* Fraudulent Accounts Transunion * XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX * Fraudulent Injury Transunion * XXXX XXXX XXXX XXXX
Product: Prepaid card

Netspend wont give me any information with my accounts I have active accounts with fund but they wont allow me to use my funds they keep shutting down my accounts without me knowing nothing
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

On XX/XX/XXXX, I contacted the company to ensure they received my tax bill notifcation and was advised it was received. The tax bill was due XX/XX/XXXX. Subsequently, the lender never paid my tax bill and when asked they were looking into it- this was on XX/XX/XXXX. My taxes were XXXX as the company did not pay them until XX/XX/XXXX. When they paid the tax bill they did not pay all of the late penalty fees and now my tax bill is delinquent again and being sent to collections. I have reached out to XXXX with no answer to a solution to this issue..They have become unresponsive.
Product: Credit card or prepaid card

Two Credit Cards were opened in my name in XXXX when I had my credit open because I was in the process of purchasing a home. The cards were opened on XX/XX/XXXX and XX/XX/XXXX. 

A credit card was opened with XXXX XXXX on XX/XX/XXXX in the amount of {$720.00}. I did not open this credit card. I contacted XXXX XXXX repeatedly to let them know that I was unaware of this card and never made the purchase. The so called missed payments over the course of the past year and a half has seriously injured my credit. 
According to my credit report with XXXX, it was Charged off in XX/XX/XXXX. 
However, this remains as a problem and is impacting my credit report. I want this account removed from my credit. 
XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit card

To whom it may concern, Today I applied for the Alaska XXXX XXXX card over the phone. As expected, I went through a credit approval process by which I assumed I would be given approval for the XXXX card. Upon completion of the process, the customer care associate said I was " approved, '' though she did not state which card I was approved for. When I asked, she stated I was approved for the signature card, but needed to double check. When she double checked she stated I, instead, was approved for the XXXX Platinum card ( which is not even listed on the website ). The credit line was automatically opened upon submission of my application. 
When a customer calls to sign up for a card, and is placed on hold while his or her credit score is approved, and then told " you are approved, '' the blanket assumption is : I was approved for the card I requested. Luckily, I double checked and asked what card I was approved for. To add to the deception, she stated I was approved for the " signature card '', but needed to verify this. Upon verification, she informed me I was approved for the " Platinum '' card -- a different card entirely. The account was already opened at this point. When Alaska XXXX advertises XXXX offer, presents information as if the customer is receiving said offer, and then switches the offer at the last possible moment falls under the definition for " Deceptive Marketing and Enrollment. '' The only reason I applied for this card was because it was advertised as XXXX mileage points upon approval, the woman on the phone even stated I would get an additional XXXX points for signing up today. This advertising scheme is precisely what I am reporting. The information for the Plantinum card that I was automatically signed up for is not even easily accessed online. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 while shopping at XXXX I was approached by a person asking to use my phone for assistance. During the time using my phone the scammer used my phone to transfer funds from my checking account to an online account through XXXX XXXX  I noticed the transfer within 30-1hr of the scam and the police was called, XXXX XXXX was also contacted in hopes to recovering the funds before the scammer could withdraw. I was unfortunately left without the funds and without a reason for the funds being recovered
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00}XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$2200.00} XXXX XX/XX/XXXX, XXXX. 
XXXX {$470.00} XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS XXXX  {$350.00} DEPT OF VETERANS AFFAIRS XXXX {$120.00} DEPT OF VETERANS AFFAIRS XXXX {$470.00} -XX/XX/XXXX XXXX XXXX {$2000.00} -XX/XX/XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX {$390.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3500.00} XXXX XXXX XXXX XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Debt collection

I rented a property in XXXX XXXX Florida and we were forced to vacate due to the owner selling and we had 30 days to leave. The property management would not let me contact the owner to see if we could get a extension to stay due to not finding something that quick, and I was XXXX  and almost due. The owner said no and we had to vacate with in the last 2 months of lease. We contacted the property management and asked if they could contact the owner and see if we found something ASAP could we get out of the lease early. Well the agent at the property management company told me no she was not going to contact him anymore. Im not sure if shes there anymore at the property management, but we had a lot of problems that person anyway at the property management and she was not gon na bother the owner anymore. She pretty told us that we had to leave or get sued. 

Come to find out later the owner has multiple properties in that community and he had gone bankrupt. 

I was XXXX  at that time and since then Im XXXX. We paid the rest of our lease but moved out before. We thought we were good until the property management said we did not pay the last month and they charged all these fees. 

So instead fighting it, we paid to avoid being sued. We rented this houses in XXXX. Since my XXXX  I was trying to rent an apartment and they told me that I had a collections on my credit for a property management, and I asked who, and they told me and it was that house we rented and was forced out. So that was almost 6 years prior. 
They gave me the name and number to the company here in XXXX FL, and I immediately called, and I called and I called and no answer. 
It took me about a week for someone to answer and their mailbox was full so I was not able to leave a message. 

When I finally reached someone, they told me the amount and said I needed to pay the full amount in order to be able to rent another apartment. 
I, of course, asked to see a document to show the balance and they WILL not give you one. They only take payment over the phone, and they do not take anyone inside their building to pay. 

For over 3 months from XX/XX/XXXX to the present, I have called and they STILL WONT give me any documentation. 
I tried it dispute twice and its rejected. 
I did read all the reviews about the collections business and they all say the same thing, not seeing any documentation upfront before you pay, or coming in to see someone. 
Some say, they took their money and never received a receipt and the debt and the same amount was still there. 

I am trying to get a apartment in my name only with my daughter and I cant due to that collections. I will NOT pay for something without seeing proof upfront. 


I am hoping that you can help me to remove this so I can move forward with renting a apartment. 

Thank you, XXXX XXXX
Product: Debt collection

Aargon collection agency tried to collect over {$600.00} for a gas bill that I didn't call and ask to start and ultimately made my credit score fall XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts on my credit file that either are not mine or placed there in error by the credit report agencies. I am not associated with the accounts and after a few attempts to correct this error I am now taking my complaint to the next level. There is a list of US DEPT ED, XXXX XXXX, XXXX XXXX XXXX XXXX amongst other accounts listed that I clearly stated are not mine. I have not once received any proof that I have the credit reporting agencies permission to furnish such information on my file per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I should not have to fight to get anything corrected or removed when the only validation of any account or accuracy comes directly from me per law.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

I submitted a letter to XXXX, Transunion, and XXXX on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.
Product: Money transfer, virtual currency, or money service

I have bought Virtually currency worth several thousand dollars from Coinbase in their platform. They should then have provided access for me to use or transfer my purchases. However, after receiving my payments, Coinbase has closed my access to the account and not letting me using or receiving my purchases. 

They have added a statement on my account saying that " ... you have attempted to log in to your account from a country prohibited by law in doing Business ''. 
However, this is not true at all. I have only accessed their platform either from my home XXXX XXXX ) or office ( XXXX XXXX, XXXX. I'm also the only user of my account on their platform. It's worth mentioning that the purchases were also made via my account which was also verified by them. 

I have contacted them several times via their contact form, emails, and social media ( Twitter ) as well as by post. But I have received no response from them. 

After investigations on their social network accounts,XX/XX/XXXX, and etc, I have found a considerable number of complaints and negative comments about Coinbase that is attempting to take people 's money/purchases with untrue statements, and then ignore the people to provide any response to them. There are many similar cases that you can find them online who have been trying to contact Coinbase for months. 

This suggests that either the Coinbase owners are trying to make unlawful financial gain in any way possible, or their system has an error. But, if the latter, they should have provided an answer and investigated and resolved the issue, in particular, despite my several attempts to contact them. However, they did not respond, and in fact, because of their bad reputation online now and peoples ' comment, it looks that they simply take peoples money/property in any way possible for -unlawful- financial gain. This action is considered fraud. I'm now very stressed now and I can only hope that is not true, and problem can be solved soon. 
I have also, according to XX/XX/XXXX asked them for my data. This is not provided as well. 

I, therefore, kindly ask you to help me and investigate my complaint in this regard. 

Thank you in advance for your work and efforts. 

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

I tried on 3 separate occasions to get a 2 90 day late reporting removed from my credit. I was in a forbearance program and admired to the hospital during one of the renewals. It was a system error that showed my account in default of 90 for the month of XXXX for 2 years in a row. This has caused me horrible problems in accessing new lines of credit during a critical time of my life. I have documents to prove I was keeping in contact to the best of my ability with the exception of when I was in the hospital and not checking email. I was very sick. Despite me 3 attempts for them to remove my 90 day late status it went unresolved. Now the company has gone out of business and I dont know if I will ever be able to remove this false and inaccurate information because that company reported in error there were many people with the same complaints so I hope you get multiple people to respond about unfair credit reporting practices that need to be regulated. They sent me documents saying my loan was approved for deferral status and then in XXXX of two different years hit my credit with a 90 late.
Product: Debt collection

Transworld systems has an open closed collection negatively affecting my credit score. 

I called them to remove since the original creditor XXXX XXXX resolved the debt outside of that. This was reported on XX/XX/year> without apparent reason. 

They told me I needed to contact XXXX XXXX since they are the original creditor. I called them and they confirmed my account balance was paid in full. 

Told me to call transworld systems to have them remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial complaint was filed against Trans Union and XXXX for not updating my report to include recent payoff accounts and for adding an account that was part of XXXX several years ago. The information has not been investigated and I'm told my dispute was closed, yet this agency is reporting that they are working on the issue. Instead of handling my dispute I was sent letters requesting me to verify my identity as a method to stall or dismiss my process in retaliation for my filing a complaint with you. There isn't any need for me to verify my identity when it's already been verified through postal services change of address. And my information hasn't had to be verified because all of my information is current. I want someone to please look into sly tactics to ignore my dispute and keep wrong information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX   OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX. 
OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDUKENTLY PLACED ON MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ENCLOSED MY POLICE REPORT, I ALSO FILED AN IDENTITY THEFT REPORT.
Product: Debt collection

In XXXX of XXXX XXXX ported my numbers over to XXXX for better service in our contract area. I left XXXX. In order for XXXX to allow this I had to pay my bill in full and finish paying off 2 phones, which I did to the tune of about {$1400.00}. XXXX promised me {$1500.00} in rebates which I never received ( another dispute ). In XX/XX/XXXX I received a call from XXXX saying I still owed {$170.00}. I disputed it explaining that I would not have been able to port numbers to XXXX if I had a balance. We argued, I hung up on him. Then on XX/XX/XXXX I got a call from AFNI Collections stating that they were trying to collect a debt from XXXX. I politely explained the situation. He was very rude and condescending, we had a heated conversation at which point I hung up on him. That very day I received an email from my credit monitoring company that my credit had been dinged XXXX points. I called AFNI and demanded to know how 1 if theyre employees could possess the power to do that to someone when I clearly had disputed it. She said she would look into it and contact me back. They never called back but on XX/XX/XXXX the collection was removed and my score increased by XXXX points. At the time I was trying to purchase a vehicle and I was furious that they had been able to do that. I contacted a lawyer who said he could send them a demand letter for {$1000.00} for damages. I disagreed with that amount so never pursued it. Well now you can see by attached documentation that the debt has been sold to another collector and with out notice, proof or cause, they have place a derogatory mark on my credit causing my score to drop again and affecting my ability to get a good rate on a car for my daughter. I intend now to pursue it to full extent possible. This has to stop. These agencies should not possess such power!