23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hi!I'm verified costumer at coinbase .com.I wired $XXXX from my bank to the coinbase platform .i try to buy some coins with my money and they locked my platform .I can;t buy ,sell or withdraw my own money .I e-mail them they send only automated messages .I call them they said they can't override the system ,as i ask them to put my personal information manually and unlock my platform ,and they also send me an automated message ,how to pass the ID quiz as they call .I tried every combination i could think of .So i have no access to my account They don't contact me an no help from them.Another guy recommend you guys who has the same problem and you solved it and hopefully you can help me too!  I'm just a family oriented person who try to invest my XXXX future !Thank you! case id at coinbase; XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I went to Check Smart on XX/XX/2024 and took out a {$400.00} cash payday loan. Checksmart is saying they gave me a {$500.00} loan. That is not true, this company is stealing from folks who are already struggling financially. They have sent me to collections because I refuse to pay them back {$590.00} as if I took out a {$500.00} payday loan. I took out {$400.00} so I Should only be paying them back {$470.00}. I called them to report this fraudulent activity and I was supposed to have gotten a call back from someone at Check Smarts corporate office no never called me back as promised. I received a letter in the mail today for collections. I am very upset about this I am already struggling and I don't need anything else added to my credit. I am happy to pay back {$470.00} I am not paying any more than I am supposed to.
Product: Mortgage

I was placed on the title to my husband 's home as successor, after his death and then sold the house in XXXX. The escrow funds should have been sent to me by the mortgage company, XXXX I contacted them on XXXX XXXX, and they sent me a response that they would send the funds. As of today, they have not sen the funds which I am entitled to by law.
Product: Debt collection

I have tried to communicate with both the debt collection agency and the medical group about my dispute regarding there inability to provide adequate notice of this debt. 

I am well aware of local and state consumer protection statutes and am asking the CFPB for assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and the Alaska Unfair Trade Practices Act protect consumers against unfair collection practices and malicious persecution. 

I would like to point out that creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information that was submitted is inaccurate and must be removed. 

In my communication from XX/XX/XXXX with this debt collection agency, they claimed that they spoke to me in XX/XX/XXXX and that I hung up on them. This is completely false. I have never spoke to this debt collection agency. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. Please be informed that I am a travel nurse and thus by the nature of my profession move every 3-6 months as a new assignment is made. I can virtually guarantee I can prove I was not residing at the address you claim to have mailed the initial dunning notice to. You are violating the law and I am documenting it. 

Should this item remain on my credit report and you refuse to remove it, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau and the California Department of Justice. I hope you cooperate with my request.
Product: Debt collection

Medical Business Bureau ( MBB ) called my wife and asked to collect on a medical debt for the amount of XXXX. The agents name was XXXX XXXX. I had spoken to the billing service that submitted the debt to MBB, and I have on record the actual amount that was submitted to MBB which was XXXX. When I called MBB and asked for XXXX XXXX, I inquired about the total amount that was submitted from the billing office, and he clearly states on record the total amount that was submitted was for XXXX. I contacted FTC and spoke to an associate who confirmed that the act of attempting to collect more than the requested debt submission is illegal. I am filing a claim against this company because of it.
Product: Credit card

I have called the help number ( XXXX ) almost a dozen times for my IKEA Visa Signature credit card regarding rewards not being paid out to me. I am supposed to receive a gift card for every XXXX $ in rewards accumulated. I spent {$1000.00} in XX/XX/year>, which should give XXXX in rewards ( subtracting XXXX in rewards due to returns from XXXX ). I have not received the {$45.00} of rewards. 

When called, Comenity simply says to log into my account and look. They clearly have no process whatsoever to reissue rewards, and have no process to assist customers having rewards problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX, XXXX-XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXXXXXX, XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Debt collection

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 
1. The name and address of the original creditor and the current creditor. 
2. Verification of debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of assignment showing the transfer of debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Document showing the assignment of debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and the dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your rights to do so Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you XXXX XXXX
Product: Consumer Loan

We bought a pathfinder ( used ) from XXXX Dealer. After fixing the price, they told us to wait due to system glitch with XXXX. At the finance table, they increased the price of the vehicle and forced us to take fiance from Nissan Motor Acceptance Corporation. They charged us unreasonable percentage of interest without based on any credit rating. Every XXXX Dealer is using the same tactics to grab the customer and charge the rate of interest of their own wish and Naming Nissan Motor Acceptance Corporation. Looks like Nissan Motor Acceptance Corporation is also including in this scam. Dealers does not provide us available options and if someone find out they increase the price of vehicle.
Product: Checking or savings account

On XXXX I purchased a XXXX  floor vacuum from XXXX on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX through the app XXXX. Total charges for the order were XXXX. The XXXX was defective. 

On XXXX the XXXX was returned to XXXX XXXX pursuant XXXX and XXXX XXXX return policy. The refund total came to XXXX. I have not received the refund. 

On XXXX I filed a charge dispute with my bank capital one. I have since then been denied my charge dispute. Discussing the issue with capital one they referred me to talk with XXXX about the issue. According to XXXX the refund was issued and sent back, I have not received proof from either capital one or XXXX the refund of XXXX was issued. 

I have the refund slip from XXXX I also have a copy of the initial conversation with XXXX with a agent by the name of XXXX XXXX stating I would receive a refund for the returned XXXX
Product: Bank account or service

PNC has historically processed debits before credits over the weekend. Example, I start with positive money on a Friday, deposit additional money, and am hit with overdraft fees ( last time over XXXX dollars worth ) on Monday or Tuesday, BEFORE my money is deposited. 

Another problem, dispute to my debit card. I am switching Banks at this time. I had XXXX disputes pending. I had approximately XXXX dollars on Friday. They reversed all XXXX disputes at once on Friday to overdraft my account intentionally. XXXX dispute, XXXX granted a refund and PNC never credited me. I had documents and PNC claimed not received. XXXX of the reversals used to overdraft my account. XXXX at my branch faxed the evidence including my fax to PNC and XXXX email granting refund. 

PNC did not notify me if any of this, just overdraftfee my account, AGAIN. They hit my account on a Friday XXXX XXXX ) with all of these at once to overdraft me again on an account I 'm no longer using. Classic example of what they do. 

My complaint is the dispute results with evidence provided reversed, and the pattern of processing debits before credits over weekend to intentionally overdraft my account when deposit were made over weekend. 

I tried to close my account and it was refused because it 's overdraft. I had about XXXX dollars on Friday. Now it 's overdraft.
Product: Vehicle loan or lease

In XX/XX/year>, a XXXX XXXX collision at a red light resulted in the total loss of my XXXX XXXX , leaving me and my daughter unharmed but with significant financial repercussions. My outstanding loan balance of {$12000.00} exceeded the vehicle 's value, and the {$6000.00} insurance settlement left a substantial {$6000.00} deficit and ongoing monthly payments of {$310.00}. Ally Financial 's refusal to refinance the remaining balance into a new loan, coupled with their unprofessional demeanor, has created a challenging financial situation. Consequently, I am experiencing missed payments on a replacement vehicle, negatively impacting my credit score and perpetuating a difficult cycle. This situation is further complicated by my role as a single mother of three, and I am seeking assistance to resolve this matter and mitigate the damage to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Companies have dropped my score twice for the same reason using the same evidence. They have yet to produce the evidence and have dropped my score a total of XXXX points on XXXX separate occasions without proof. This seams a XXXX matter or a pay-back for a legal claim. The company states they have XXXX hard hits. I want a list of the name 's dates for the XXXX hard hits for both times because they did this XXXX times in an XXXX time span. I worked a rebuild my score preparing to apply for a mortgage so that I could move from the place I was living. I have been very ill therefore I was returning to work off of a XXXX XXXX. My employment status was parttime, so it was very import that my score had to be perfect. I would have never applied for XXXX of anything. I AM REQUESTING THE PROOF THAT WOULD CREATE THEM TO DROP MY SCORE TWICE AND HURT MY DREAM OF GETTING A HOUSE. I am in the window of opportunity ; this is criminal and a violation of my right to live as i have work so hard. I can't wait weeks for this corrective action. This was wrong and I want to see the LIST Names and dates for both of the drops that have been charged against me. THIS IS NOT FAIR.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more probI am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic. 






lematic.
Product: Credit reporting or other personal consumer reports

The following accounts that is on my credit report is not mine : XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified XXXX inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows : Creditor Name : FIRST CITIZENS BANK Inquiry Date : XXXX. XXXX, XXXX I must emphasize that neither XXXX nor any other credit bureau have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciated. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute the accuracy of an account with Transunion multiple times. The date below are dates that I have submitted a dispute with Transunion for the 30-60 day late payment on my account with XXXX. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I get a notification that my dispute is complete and has changes, yet it does not have changes. My XXXX account was marked late XX/XX/XXXX, 30-60 days late. Which it was not, a payment was made on the XXXX day. I have contacted XXXX numerous times regarding it around XX/XX/XXXX, and was told they would remove it, which they did not so I resulted in disputing it with Transunion. 

This is not the first time this has happened with Transunion. It appears as if they do not even collect or contact the creditor for information regarding what is being disputed.
Product: Credit reporting or other personal consumer reports

Reporting wrong account number with xs. Creditor and credit bureau reported the statement included in bankruptcy on the account comments which is not allowed and Im requesting the inaccurate reporting account be removed. 24 months pay history should not be counted months after filing XXXX XXXX  but the credit payment chart is inaccurately counting but just not in red. Requesting account removal due to severe inaccurate reporting to enable my ability to recover a better credit score.
Product: Credit reporting or other personal consumer reports

I notice a fraudulent account on my credit report took prper steps to protect myself. Please remove immediately
Product: Credit reporting or other personal consumer reports

unfortunately, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my report a previous address of XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and I never lived there. I did however live next door at XXXX XXXX XXXX. I disputed this on experien and they updated it as still being XXXX of my previous addresses. I also have XXXX more wrong addresses on my file that I just disputed. XXXX XXXX XXXX XXXX  in XXXX and XXXX XXXX XXXX in XXXX. Both in NJ. I would like them taken off my report please and thank you.
Product: Debt collection

On XX/XX/2019, I noticed a collections account on my credit report that is not mine. The account is with Sequium Solutions for a XXXX XXXX bill. I have never subscribed to XXXX XXXX in my life and must be a mistake. However, my dispute result somehow verified the account is accurate. I have contacted Sequium Solutions requesting for proof the debt is mine. I have yet to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am a caregiver for a XXXX veteran on XXXX XXXX. On XX/XX/2019, a representative from Midland Credit Management ( XXXX ) called my XXXX-year old grandmother and began harassing her about a false " credit report '' associated with me. I have no association with Midland Credit Management and they are harassing my grandparents on a Sunday. When I asked them to identify a promissory note they demanded my social security number. I refused to give them my social security number because they could barely speak English and were very rude to the point of being belligerent. This company is a disgrace, calling elderly people on Sundays and causing trouble with false credit reports. I implore your organization to stop this company 's harassment. When I reviewed various websites, I discovered that this company is harassing people all over the country with false credit and debit reports, often leaving " extension numbers '' with their parents, grandparents, and relatives. It appears that I am just another victim of this company 's nation-wide scam. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Portfolio Recovery Services served me stating I owed a debt to their company. I disputed this and requested debt validation numerous times. During, the dispute, it appears that Portfolio Recovery not only initiated this lawsuit while I was being represented by a firm ( also disputing XXXX but they also continue to pursue legal action and have yet to legally prove the debt that I owe them. I have requested legitimate validation multiple times ( written and verbal ). Recently, I'm receiving more calls and I gave told them it is not my debt. 

**The judge actually postponed this hearing into XXXX because I sent in written correspondence noting their inability to adhere even to the initial concept that I was represented by a firm. Please advise. I gave been sending emails and letters for about 6 months now.
Product: Credit card or prepaid card

Hello, I received a notice from Midland Credit Management a debt collector for a XXXX XXXX XXXX XXXX Balance of XXXX for a can account credit XX/XX/XXXX XXXX XXXX XXXX. I received this notification at my parents address at XXXX XXXX XXXX XXXX XXXX, XXXX Maine XXXX. 
I requested additional information about the account and found out the address for the card was at an apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at apartment XXXX. I disputed this information with the Midland Credit, but they said the information was accurate. So my father XXXX XXXX and I went to the apartment complex on XX/XX/2022 to see if they ever had any record of me living there, and they did not. XXXX XXXX said she can be contacted at XXXX to verify that I had never lived at the location. This address was used to open the account. 
My purse was stolen in XXXX a few years back and police report and figure my identity was stolen. Midland Credit told me to file a report with you. 
I can be contacted at XXXX. My father can be contacted at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have submitted disputes to Experian, XXXX, and XXXX in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my reports.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.