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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. 

XXXXXXXX XXXX XXXX with account # XXXX was deleted from my file. 
now it is being listed under XXXX XXXX XXXX  with an account # of XXXX. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation.

They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning, and Im really confused as to why. I regularly check my report, but this time there were unexpected issues that appeared out of the blue. I even refreshed my browser thinking it might be a glitch, but the inquiries remained. I need this issue resolved immediately by thoroughly reviewing the documents I submitted, so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding incorrect information on my credit report. Despite several efforts to address this issue through the appropriate channels, the credit bureaus have neither acknowledged nor investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these repeated submissions, the credit bureaus have not provided any response, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

This marks my fifth attempt to resolve this issue, yet I have received no response from Equifax, XXXX, or XXXX. I am filing this complaint as a last resort and request your prompt assistance in addressing this matter.
Product: Money transfer, virtual currency, or money service

Shortly after opening a Coinbase account ( approx. XX/XX/2021 ), depositing money in the account and purchasing Bitcoin through the account, I was locked out of my Cointbase account. When the account was set up, I needed to furnish a copy of my drivers license to verify my identity. Now, to access my account, I am required to supply an image using a webcam, to which I do NOT have access. A cell phone camera is not an option. 

I have repeatedly explained to Coinbase that I do not have access to a webcam. Nonetheless, Coinbase continues to require webcam access to enable me to access my account ( and MY money ). 

This has been going on for several months. Finally, I advised Coinbase to close the account -- sell the Bitcoin and send the money back to my account from which my Coinbae account was funded ( information that they presumably still have ). They refuse to do so. 

While this has been going on, the value of my account has diminished due to the reduction in value of Bitcoin. Coinbase has my money and will not give me access to my money.
Product: Checking or savings account

My health savings account was instructed to pay a medical provider as part of a claim I processed against the account. They are NOT willing to pay via a paper check, only a Virtual Payment. The medical provider did not receive the funds, and yet since the payment wasn't processed, the XXXX provider closed the transaction without notifying me and the medical bill remained unpaid. 

When I called the XXXX to ask them to " reopen '' the transaction, they said they wouldn't and I would need to submit a new claim for payment. Once again, they are only willing to pay via a Virtual Payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, OH XXXX The above mentioned company ( XXXX ) submitted a credit inquiry for my personal info unsolicited to TransUnion. I never heard of this company and when I attempt to contact them by their listed the phone number, the call gets disconnected. It appears to be a fraudulent company that is gathering personal information.
Product: Debt collection

a XXXX bill would not remove my month in advance payments and did not cancell i took them to court small claims and one got letter from them saying it was off my credit report 2 years later a collection agency wants this money check my credit report it is not on it the agensy is trying to scam me out of money XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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 XXXX, Equifax, XXXX have violated my rights by publicizing my information without my consent. I have tried fixing this issue but I get no results. Also I have unauthorized hard increase on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to get in contact with all three credit bureaus XXXX XXXX AND TRANSUNION since XX/XX/2020. This is ridiculous I am in the process of purchasing a home and in need of everything reporting on my file to be as accurate as possible and their non compliance with this issue is delaying the process. All the accounts on the attached letter it being the THIRD letter I sent to them have inaccurate information reporting including balances that are wrong. They failed to verify any of these accounts or to update anything so at this point I am distressed and this needs to be removed. I was lenient to not submit a complaint sooner but at this point this is stressing me out.
Product: Debt collection

I spoke with a woman named " XXXX '' at a company she told me was called XXXX, and that I owed a debt to XXXX for a breach of contract for {$730.00}. She claimed I needed to either make a restitution payment on my alleged debt today, or I would be immediately served with a court notice. She absolutely refused to provide me with any paperwork or proof that I owe the alleged sum. She said that would be provided when I went to court. I asked for some additional time to make the decision so I could consult my attorney. She refused. She said they were n't a collection agency, but a mediation firm and if I did not make the restitution payment, I was automatically selecting to go to court, which could result in paying higher fees. For the entire call, she took an incredibly disrespectful, condescending tone. I asked her for information that she refused to provide. I begged her to transfer me to someone who could be civil and respectful. I asked her REPEATEDLY to transfer me and she said " the outcome will be the same '' - I told her I did n't care, I just wanted someone who could be respectful. I asked her several times to stop being rude, and she denied that she was, and she referred several times to the fact that I was crying. When I asked for the final time to transfer me to another person, she said " hold on, let me tell them I have a crier on the phone. '' I was placed on hold. Her parting words before transferring me were, " good luck in court, XXXX XXXX XXXX. " Come to find out, after the initial restitution payment was made and I received the receipt via e-mail, the company is NOT called " XXXX '' but American Credit Resolution , Inc. So she misrepresented where she was calling from, and probably her name as well. She refused to provide me with a last name. She said she was the only XXXX there.
Product: Checking or savings account

CHASE BANK CHECKING ACCOUNT BALANCE, Ending Amount {$1800.00} XXXXPresent CHASE BANK processed and released my funds making funds available in my account and then took the funds back and blocked my account not allowing me to withdraw the amount of {$1800.00} that was available in my account. 
I Called to request a release of funds Unsuccessful attempts to claim ending balance From CHASE BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my credit score. I have disputed them twice and they refuse to correct the info.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, this incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX
Product: Debt collection

XXXX XXXX installed faulty equipment which never worked and they refuse to make any further repairs. I still have to pay for electric service through XXXX and continue to receive demands for payment to XXXX XXXX through XXXX XXXX XXXX. 
I am also filing complaints with Florida Attorney General and Federal Trade Commission.
Product: Checking or savings account

I called Wells Fargo at XXXX pst on the XXXX of XXXX and filed for a stop payment on XXXX XXXX merchant. They said OK and sent me a letter with approval that I have in my possession. On XX/XX/XXXX, they allowed the transaction to go through and charged me overdraft fees saying 3 business days was needed when that was never conveyed during the call on the XXXX but that was still 3 business days prior regardless. I attempted to stop payment through the merchant a week prior but they refused to honor it, which is why I went through Wells Fargo who is supposed to work for the customer, not the merchant. I also requested they stop all ACH payments while the account was overdrawn but they said they couldn't ( which they did weeks later and i have proof of that as well ) Wells Fargo 's representation continues to lie and stretch truths to better themselves and relieve all accountability. They're very deceitful and are great liars when it comes to stealing money by making excuses to over draft one 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Violations of GLB Act, FCRA, and Fair Credit Reporting Act I am writing to file a formal dispute regarding the violation of my rights as a federally protected consumer by the consumer reporting agencies, namely XXXX XXXX, XXXX. It has come to my attention that these agencies have breached the provisions outlined in the Gramm-Leach-Bliley Act ( GLB Act ), the Fair Credit Reporting Act ( FCRA ), and the Fair Credit Reporting Act 's Civil Liability for Willful Noncompliance . 

Under the GLB Act, it is mandated that consumer reporting agencies safeguard personal information to ensure privacy. Unfortunately, the aforementioned agencies have failed to comply with the GLB Act, thereby putting my personal information at risk and compromising my privacy. 

Furthermore, the consumer reporting agencies have violated the FCRA, particularly 15 U.S. Code 6801, which pertains to the protection of nonpublic personal information. As a result, my rights as a consumer have been compromised and I am experiencing direct harm, which is inhibiting my ability to establish good credit and acquire a rental property. 

Additionally, the agencies have disregarded key provisions of the Fair Credit Reporting Act, including 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. Their actions not only demonstrate negligence but also a willful disregard for the laws put in place to protect consumers like myself. 

Moreover, the agencies have violated 15 U.S. Code 1681a, which outlines definitions and rules of construction within the Fair Credit Reporting Act. By neglecting to adhere to these definitions and rules, the agencies have further compromised the accuracy and integrity of consumer reports, which has significant consequences for my financial well-being. 

Furthermore, the agencies have failed to comply with 15 U.S. Code 1681b, which governs the permissible purposes of consumer reports. By unlawfully sharing or providing access to my personal information, the agencies have damaged my ability to establish good credit and secure a rental property. 

In light of these violations, I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these consumer reporting agencies. Additionally, I request that you take the necessary steps to ensure my personal information is protected and that the agencies are held accountable for their actions. 

I amproviding documentation and evidence necessary to support my claims. I trust that the Consumer Financial Protection Bureau will prioritize the resolution of this matter in a timely and efficient manner to safeguard the rights and privacy of consumers. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

My XXXX loan with Suncoast Credit Union is reporting twice on XXXX and XXXX. It is showing that they have opened a new account for an XXXX XXXX and Ive had this car since XX/XX/2019. When I reached out they asked me to speak with a department that has nothing to do with the reason my car loan is showing twice. This has caused my credit score to drop significantly and being that its showing XXXX in auto loan debt its interfering with my income to debt ratio.
Product: Credit card or prepaid card

I talked to Chase 's Military Benefits Department in XXXX or XXXX of 2018, and was told I needed to apply prior to XXXX XXXX in order to get my annual fee waived for the first year ( and going forward ). Upon activation to XXXX XXXX, I applied for SCRA benefits, and was then told the first annual fee would not be waived. If we would have been informed correctly, I would have just waited until entering XXXX XXXX to apply. I asked them to pull the call, and they said they could not without a specific date and time. As I did not expect to be lied to, I did not write that down, and they are unwilling to help any further.
Product: Debt collection

Cedar Financial has been contacting me during my work hours ( lady by the name of XXXX XXXX ), harassing me that I owe the XXXX money for a driving ticket for driving through a restricted access area in the city of XXXX, some time during XX/XX/XXXX. They stated they mailed the documentation to me to XXXX XXXX XXXX, XXXX, XXXX, in XX/XX/XXXX, but I have not lived there since the end of XX/XX/XXXX. I will provide documentation that I purchased and moved to a new home in XX/XX/XXXX. I have moved XXXX times since that address in XXXX, to XXXX different states in the USA. Per the XXXX, since they were not able to contact me within 1 year of the violation, this violation should be deemed invalid, and I owe no debt. Now, Cedar Financial, is asking me to pay XXXX the fines that were supposedly incurred in XXXX. Although I did travel to XXXX, I do not believe that I was in violation of any traffic law, nor was it indicated to me by the rental car company that driving to the hotel would be in violation of a traffic law.
Product: Student loan

MyFedLoan was my loan servicer up until recently. I have refinanced. 

In XX/XX/XXXX, the interest on my loans capitalized because ( the company claims ) that I did not submit timely income verification documents. The total loan balance increased from about XXXX ( and change ) to about XXXX ( and change ). After months of fighting, MyFedLoan admitted that the capitalization was in error. According to the company, the capitalization was " reversed '' in XXXX of XXXX, and ( allegedly ) backdated to the date of capitalization. 

For the last few months, I have been trying to verify how that capitalization was applied to my account. I have spoken with representatives as recently as XX/XX/XXXX and XX/XX/XXXX. This has been going on for months, and no one has been able to show me HOW the capitalization reversal was applied despite numerous requests. I am only told that the capitalization was reversed and applied. However, the balance of my loan was NEVER decreased to reflect that capitalization ( except to reflect payments I made myself ). Nonetheless, I continued to make on-time payments. I have never missed a payment while a MyFedLoan customer. 

In addition to the capitalization problem, I recently discovered that the interest on every single one of my loans ( subsidized and unsubsidized ) increased from XX/XX/XXXX to XX/XX/XXXX. Ironically, this is the same time period that the company claims that the interest capitalization was reversed. For example, two of the loans ' interest increased from {$65.00} to {$450.00}, and from {$76.00} to {$520.00}, respectively. Something is clearly wrong.
Product: Debt collection

On XX/XX/2018 a cashier check in the amount of XXXX and notorized contract and rules written on check was sent to Consumer Collection Management via certified mail. On XX/XX/2018 the collection company signed for mail. On XX/XX/2018 Cashier check was cashed via bank contract violated not abided by because debt remains on XXXX credit report as of today XX/XX/18.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

MOHELA is my current and only loan servicer for my Direct Student Loans. In XX/XX/year>, MOHELA transferred to a new loan servicing platform/website. At the time of this involuntary transition, I contacted MOHELA to ensure that my interest would not be capitalized to the principal as this was not a change in my payment plan. The interest was in fact capitalized to my principal for all loans on XX/XX/year>. 

Additionally, I was placed on an administrative forbearance for the months of XXXX and XXXX during which time the payment due was {$0.00}. I asked if these months of administrative forbearance would be qualifying towards XXXX ( similar to the COVID forbearance ). They assured me that the months of XXXX would be qualifying towards XXXX but XXXX XXXX website XXXX no payment for XX/XX/year> and an ineligible payment for XX/XX/year>.
Product: Credit reporting, credit repair services, 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. 

These accounts shown : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, how is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX XX/XX/XXXX Asset Amount : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXXXX/XX/XXXX