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

This Complaint is made against Equifax credit reporting company. For the past 12 months i have been disputing in writing the incorrect, misleading, fraudulent, inaccurate information that states I, opened and had an alleged contract, agreement, mortgage with XXXX XXXX XXXX XXXX I despite this inaccurate information on my personal credit report in its entirety! Only Equifax continues to report this account, despite my disputed letters and police report that states I do not have any knowledge of an account, mortgage and bilateral contract with XXXX XXXX XXXX XXXX. Please note this inaccurate information is causing me injury, and reducing my credit score and ability to get consumer products etc. XXXX XXXX XXXX XXXX to date has admitted that they do not have a bilateral contract with me, nor is there proof of a mortgage ever being executed between me and XXXX XXXX XXXX XXXX on XXXX XXXX, 2007. Additionally, this alleged debt and report is in violation under the fair debt collection act, the fair debt reporting act and State of New York statue of limitations and other positive laws.
Product: Debt collection

Good evening, ARS is reporting a medical account on my credit that I do not owe. I reached out to them on several occasions most recently on XX/XX/2020 and XX/XX/2020. I requested a HIPPA release, detailed bill of the services rendered and statements showing explanation of amount that include what was covered by insurance. On XX/XX/2020, ARS sent me a letter simply saying they " verified '' the debt. They did not send me any documents proving how they verified it. They simply stated the account number and amount they claim. I have reached out to my insurance and no claims have been filed that insurance has not covered 100 %. ARS is reporting a debt I do not owe. I am requesting they cease their collection and delete this account from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Equifax sent my credit report from their address XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in the name of XXXX XXXX XXXX. It thanks XXXX for requesting your credit file etc and then the entries have my former name ( not my corrected name ) with full details of transactions addressed to XXXX XXXX XXXX who I do not know. How could you breach my privacy and then send a RESEARCH REQUEST FORM with confirmation number XXXX? This is unbelievable. I am a victim of identity and now have this issue with your error sending my information to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account was reported to all three credit bureaus Kia Fianc American {$15000.00} ( Charge Off ) Close Account Opened XXXX XXXX
Product: Debt collection

This is a continuation of automatically closing claim CFBB XXXX. 
1 ) Citizens bank sent amount of debt to collectors and should not have. They locked online access and took 6 months to send requested bank and credit card statements.

2 ) Bank overreached into my accounts without my consent and shuffled and made adjustments with my money all over the place.

3 ) when they did charge-off ( which should never have occurred ) as I covered all payments and brought in funds to bridge the deficit while dispute of what occurred over an overdraft occurred. Bank did not provide satisfactory and sufficient paperwork needed by customer, myself, to reconcile all four accounts involved. Requested multiple times. Statements were adjusted snd rewritten by bank since An third party check into account overdraft if account took place and differed between what was showing and I read online, what was in mobile application and weekly electronic mini statements, by telephone, and phone call reconciliation due to refusal to supply paper documents of all 4 accounts.

XXXX ) citizens bank has recorded the wrong amount of chargeoff which shoukd never have been a chargeoff in the first place as they never assisted in an appropriate statement reconciliation in the first place when I went to brsnch anc requested. Bank still needs to correct and reverse, remove chargeoff so this does not affect my credit. since receiving paper statements in XXXX  and reviewing, bank and I have agreed there is only a {$2000.00} deficit based on this set of documents ( these dont match what was online ). Yet payment terms still continue to be through a collection agency.
Product: Debt collection

Department of Ed/Navient is using my nonpublic personal Identifying information to include my social security account number WITHOUT my express consent or authority. I specifically deny and object to liability on account stated as rendered no. XXXX as I am not a debtor but a Natural Person who acquired " Consumer Goods '' to be used primarily for Personal, Family, or Household Purposes. The three major Credit Bureau 's by law is directed to removed said inaccurate information as it causes the " Consumer '' undue hardship by reducing my lending/selling ability and purchasing/buying power through commercial disparaging to which Identity Theft conversion of property. XXXX XXXX XXXX XXXX XXXX changed my character from Principal/Consumer/Supplier/Issuer/Accounts payable to borrower/debtor/ Accounts receivable and assume my Identity to sell commercial paper in my name. Criminal Fraud has no statute of limitations and I will defend against any Corporations, Individual, Private Entities that is affiliated with the U.S. government or Not affiliated, and I will seek my remedy and stand up for my Rights.
Product: Credit card or prepaid card

I had 11 withdrawals made at a XXXX XXXX ATM. Someone was able to skim my card and American Express Serve refuses to acknowledge and refund the transactions. I've filed a police report and have sent them supporting documents showing that I was at work when the transactions occurred. They refused to get a subpoena to access video footage. This has been going on since XX/XX/XXXX. They said there " investigators '' determined there was no fraud but no one knows who took money from my account.
Product: Credit card or prepaid card

I have bought online with my Sams club master card from XXXX some gold coins on XX/XX/2023 and I paid XXXX dollars. The package was ahipped with XXXX  and it was supposed to be delivered to my house. Then on XX/XX/2023 the tracking number for XXXX showed that the package was delivered to my house. But I did NOT NOT NOT receive the package and I did NOT sign for it and XXXX was never at my house delivering anything that day. I contacted XXXX  and XXXX XXXX  and an investigation was opened on XX/XX/2023. Now its been more than a month and I still have not received a refund or a replacement or reimbursement .XXXX XXXX is refusing to pay and XXXX  has a bunch of thieves working for them and now I am out XXXX dollars and NO gold coins so I lost everything and I disputed the charge with my Sams club master card with synchrony bank and synchrony bank has done NOTHING to resolve the issue and they have not given me a credit for the disputed charge of XXXX dollars. I lost my money and I never received the package and I know XXXX  employees stole the package. I need to be refunded and reimbursed for the money I paid for an item I never received. Synchrony bank should refund me the money because I never received the merchandise. 
I have filed a police report for this theft by XXXX  and XXXX XXXX
Product: Credit card

I got my statement for this card Barclaycard and noticed my available credit was lower. I looked and the XXXX cards one is the XXXX XXXX XXXX and the other is the Barclaycard Rewards MC were both decreased. I started looking through the mail I had to see what was going on. I called and they said that letter was mailed out she first said XX/XX/XXXX and I could barely understand her then she said XX/XX/XXXX which it is not here yet. I said why was it lowered. She said she email me I said no tell me and she told me I have too many credit card balances. I do but I pay them on time and run a balance but have not opened any new ones and good credit score. I then ask if I Could speak to someone she said no that there is no one to talk to so I get mad end call. I decided to call back another customer service agent says she understands my frustration gives me to underwriting dept who says oh you have too many opening accounts sorry you can call back in 60 days oh and first woman told me 30 btw. I then call back 3rd time no where and they say no manager can talk to me. Well today guess what a manager calls me leaves me message. I do not answer because did not know she was calling because they said I could not talk to anyone, I am also sending messages on their website and they said that reason why they decreased it is because I was not using my credit so they lowered to go with what I was using. They are going to hurt my credit by doing this. The store card was {$2100.00} and they lowered to {$300.00}. I have now paid off both cards and told them would not use them anymore and they told me if 6 months goes by they will close it so they are basically threating me. Will ya please check into this awful cc company.
Product: Debt collection

Written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.
Product: Student loan

Payments to loan are not being properly applied to interest and principal. There will be months were {$0.00} are applied to principal and after an entire year of payments the over all principal only went down {$200.00}. When I contacted the lender about ways reduce the interest the only offered a 0.25 % reduction for auto debits which I signed up for. The next month, the payment remained unchanged as the variable interest on the loan increased again to around 8.5 % I make regular payments to this loan and I just want to find a way to get out from underneath it quicker.
Product: Credit reporting or other personal consumer reports

I have had a mortgage payment since XX/XX/XXXX yet my credit reports show since XXXX my first loan was in XXXX or XXXX of XXXX ; XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Hello, I have been locked out of my coinbase account that holds my funds for 50 days, starting Saturday, XX/XX/XXXX. I start trading using this account on XX/XX/XXXX and already verified my account and linked it to my bank account, which I used to wire the money to my coinbase account. 

I tried to recover my account by submitting a copy of my driver license online on Saturday, XX/XX/XXXX, and Sunday, XX/XX/XXXX however, because the name on the online account is different than the name on my driving license ( the name on my driving license contain an extra letter as an initial for my middle name, however, only my first and last name shows up at my account ), the process failed. I reached Coinbase customer service by email on Sunday XX/XX/XXXX and by phone on Monday, XX/XX/XXXX, XXXX XXXX  EST and submitted a high priority ticket ( as the agent told me ) due to the sensitive situation since I have all the needed documents for account recovery and the first and last name matches the name on the account. 

I did not hear back from coinbase and I tried to call them several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but unfortunately, the agents refused to give me any useful information or estimated time for coinbase reply which till now is taking almost two months  without the ability for me to access my funds. They also refused to transfer me to the department that handles the accounts lock out or to even contact them. Only one time the customer sevice agent promised that he will contact them on my behalf and will send me an update email, but he did not. The problem is that the market is a very sensitive one and I lost more than 1100 $ due to the change in the trading prices and the inability to sell or even transfer or use my funds. This is in addition from preventing me from access/invest my money. I still do not know when the company is planning to respond to a high priority issue, as stated by their customer service agents, which will further change the amount of loss I am encountering till this moment. I have a copy from all the emails that I received after each call.
Product: Checking or savings account

Hello I have tried for XXXX week to get money returned to me from closed account from Bank of America I had a checking account which was closed Bank of America stated they will mail out a check on XX/XX/XXXX As of XX/XX/XXXX I have not received this check. When I inquired about this I was told I would need to wait 120 days before a stop payment can be issued. 
I am not sure why my money can not be returned to me and definitely do not understand why this process takes 120 day to complete. 
I also requested the money sent electronically but this can not be done either. 
I believe I have been very fair about this but this matter need to be resolved. 
I am requesting for Bank of America to refund my money approx. XXXX dollar immediately not 120 days from now. 
Any help or suggestion you can provide would be greatly appreciated Please contact me by email XXXX Thank You XXXX XXXX
Product: Checking or savings account

I'm in Dept to the courts and child support and it's gotten so bad I can not even afford to turn the electric on at my house or uptain auto insurance to commute back and forth to work. And I'm barely hanging on by a thread if it wasn't for my neighbors and my brother XXXX I'd probably be starving to death I even owe centennial bank {$1400.00} XXXX XXXX {$260.00} and my old boss at XXXX XXXX {$420.00} for helping me get my license reinstated and my tax guy XXXX XXXX at XXXX XXXX XXXX XXXX almost {$1100.00} I could really use some kind of assistance with all of this.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The the account below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, Date opened XX/XX/year> 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fradulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing stating I was 30 Days late in on this account. 

I might have been 28 or 29 days late. According to the FCRA, you can not report false information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately updated from the credit file you maintain under my Social Security number to paid on time, never late. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notification Dear REC MGT GRP This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, whic

h may include seeking damages, an injunction, and any other remedies available under the law. This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be purs
ued in the future, all of which are expressly reserved.
Product: Debt collection

I am being sued by Midland Funding LLC for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in  XXXX   XXXX  TX case #  XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to  XXXX . This debt was charged off by  XXXX   XXXX  in  XXXX    XXXX  .
Product: Debt collection

I spoke to XXXX in the account collections department. He told me the accounts are closed and charged off. He said that happens when we can't collect on a debt so we write it off. I asked why are the fraudulent accounts still on my report and why are you asking me to pay something in order to change the status of the two accounts. XXXX said, our system shows that " someone '' using your likeness in California attempted to use the account. He said this information is from a different department outside his pay-grade. XXXX said although you have not worked in the US since XXXX, someone obviously used your information to open this account. He said I want to help you so if you just pay something this matter will go away. I told XXXX I will not pay and any charges and use of my name, likeness or social security number is fraudulent. XXXX said they will continue to report the accounts as a negative items and will update it as such going forward unless I agree to pay something. I told XXXX absolutely not. Especially after knowing the account was listed as a charge-off and US bank still wants something. I asked how is that helping the situation when you refuse to hear my concern? XXXX said I'm only in collections. I believe what you're saying but this is my job, to try and collect.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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 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 8
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Student loan

The complaint is regarding how the company accepts payments. Ever since XXXX XXXX bought out my loan earlier this year, I have been dealing with the servicing company American Education Services ( AES ). Each month I call to make payment, AES employs strong-arm tactics to try to force me into giving them my banking account and routing number. 

I continue to be told, every month, that they will accept my banking account and routing numbers as the only form of payment. Each time they conclude our transaction by reminding me that they will allow the " courtesy '' of a debit, only after being transferred to a number of gatekeepers who all try to dissuade me or deveieve me that debit is not an option. I deal with this every month that I call. 

I was told today, by AES, that " this is how we 've always done it '' when it comes to accepting payments strictly through banking routing numbers. This is a dubious explanation as debit is clearly possible. I have also been told by a supervisor that they actively discourage debit because it costs them money to process payments this way. I 'm not sympathetic as this is the year XXXX and I would like to conduct my business- as I do with countless other merchants and vendors- and use my debit card. 

I have told AES that I can not and will not provide them my banking details, yet they will not accept this explanation each month I call.