23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXXXXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Credit Card Balance {$250.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Commercial Installment Loan Balance {$7100.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Collection Agency Attorney Balance {$2100.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Factoring Company Account Balance {$950.00} have violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Since I open account I have problems. When cryptocurrency is high and time to sell coinbase website is not available but now complicity locked out of my account. Can ; t log in and coinbase wont reply back to my emails. Who gave them right to lock me out of my account this is criminal organization and they need to be stooped.Since I'm locked out I start reviving phishing emails and I never got those pretending to be coinbase. my dispute is over {$120000.00} since tha 's how much they cheated me out/ Now I don't even know if If I have any founds in my account
Product: Debt collection

NCA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Payday loan

I was lay off from my job on XX/XX/2014 making it impossible to pay back a XXXX pay day loan with Checksmart and a $XXXX loan XXXX. I have tried to make arrangements to pay back through an installment plan. Instead I am getting threatening phone calls about being summoned because of fraudulent transactions compromising my social security. I have checked the number that calls and I have read some comments about being a collection agency. The number is XXXX Pleas help me stopping the illegal practice by the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected by the consumer data breach announced XXXX/XXXX/XXXX. I am extremely displeased that my information was and can be accessed without my consent to a credit reporting agency that I do not have the choice to conduct business with. I am a " customer '' of Equifax, whether I want to be or not. I am even more displeased with the amount of time it took to announce the breach to the public. Apparently, the breach took place between XXXX - XXXX of this year, but was not announced until yesterday, XXXX, and most importantly, various news outlets report that high-level executives sold their stock/shares between the time of the breach and the public announcement. This is a form of insider trading and has the potential to destroy the stability of the stock market. They should be punished up to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft. Please have them remove the inaccurate accounts listed
Product: Credit reporting or other personal consumer reports

I have reached out to the following Companies to dispute these following items and request the info that was provided when these accounts where opened like my signature and current id and hey have not been able to verify these items which shows am not responsible. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding fraudulent items that have appeared on my account. 

Upon reviewing my account statements, I discovered several transactions that I did not authorize or recognize. After careful examination, it became apparent that these transactions are fraudulent in nature. 

Given the seriousness of this matter, I kindly request that your team take immediate action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. 

I understand that resolving such issues may take time, but I appreciate your prompt attention to this matter. Please keep me informed of the progress and steps being taken to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>.
Product: Student loan

I am a borrower of two {$5000.00} loans back in XXXX and XXXX. I was young, naive, and desperate to go to college to better myself but, my family nor myself had the financial means. Following the guidance of the college financial aid office, I was awarded two ALPLN Loans through FASFA. I have been paying faithfully on both loans since XXXX. 12 years later, I have paid {$15000.00} of a combined total of {$10000.00} borrowed. As of today, I still owe American Education Services {$9400.00}. Referncing the payoff balance as of today, I will pay a total of {$24000.00} on a combined total of a {$10000.00} loan. Due to these loans interest rate continuously increasing and the daily occurrence of interest, I forsee it being more. My confusion comes with being mislead by the company and school that this was a loan to help those in need as well as, I would qualify for loan forgiveness through specialized education programs. Neither loans have qualified for any programs even though, I have worked as a XXXX in XXXX XXXX XXXX  and XXXX XXXX. I have also tried to apply for a secondary loan with better interest however, after reviewing the status of the loan they advised me seek further clarification on why I am over paying on such a small amount borrowed. I have spoken with the company with limited guidance. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB case # XXXX The very first line of my complaint was NOT addressed. The sole purpose of the complaint was not even talked about in Equifax 's response. It's like they ignored my request and did not investigate. The exact same thing Equifax has done for years. Ignore every dispute and ignore every complaint. 

" Equifax is reporting Date of First Delinquency XX/XX/XXXX regarding my account XXXX XXXX XXXX XXXX. This is shown on the attachment Equifax XXXX XXXX In the same attachment, it also shows delinquency started in XXXX. '' Equifax also ignored filling out the method of verification letter. I need to know WHO AT XXXX they are talking to. XXXX and Equifax do not get to report false information on my report and not tell me who they are talking to. 
XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a fax request and a certified us mail request for account verification, as of XX/XX/2019 I had not received any response from XXXX XXXX. I reached out to the company and ask since they fell to provide the requested documents within please remove the account from my report. Representative XXXX a supervisor could only make that decision, supervisor XXXX got on the phone and I advised of the situation and my request to have the account removed since the did not verify the account, she advised me that a response was sent to me at my P.O. Box in Florida. I dont live in Florida nor did I provide a Florida P.O. Box in my request I provided all my current information. I will attached a copy of the fax and certified letter for your review
Product: Mortgage

In XX/XX/XXXX I set up automatic payments for my Flagstar XXXX from my bank account based on the first statement amount of {$2300.00}. 

In XX/XX/XXXX I received a delinquent notice from Flagstar. After researching the issue I determined the first statement was not based on a full month billing cycle. 

On XX/XX/XXXX I contacted Flagstar to bring my account current to determine the correct monthly payment. In my conversation with the agent, we agreed a $ XXXX payment was the right payment amount and confirmed the account was in good standing going forward. I adjusted my automatic payments to $ XXXX. 

Around XXXX XXXX, I received my XXXX statement with late fees. I immediately contacted Flagstar and the agent informed me they were applying my funds incorrectly. 

On XX/XX/XXXX, I contacted Flagstar and was informed I needed to pay {$5100.00} to bring the account current. This didn't align with the previous agent 's feedback but I felt pressure to make the payment and work through the details after as I didn't want additional reports on my credit record. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization explaining the confusion and miscommunication. Their response was to provide more details. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization explaining the confusion and miscommunication and reiterating there was never an issue with making the payment, just what the correct amounts were to make the account current. i encouraged them to listen to the recorded conversations with their agents to prove the accuracy of my intentions and statements. Their response was that their records were correct and they would not be making any changes to my credit report. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization asking for a goodwill adjustment. I explained all of my other creditors including two other loans with Flagstar have excellent payment records. 

On XX/XX/XXXX I received a letter declining my goodwill adjustment You will see through my transaction history ( attached ) that there was never an issue with being able to make the actual payments. All payments were made on time, the issue was understanding what the correct amount was. I put 100 % good faith effort into resolving the issue in a timely fashion and do not believe the negative reports on my credit report represent my creditworthiness and commitment to repaying debts.
Product: Debt collection

This company ERC, i think is a collection company are trying to collect a debt, from an account open fraudulently, And this account a XXXX has been deleted form my credit report because it was fraudulently opened. I dont have it in my credit report but they still sending me letter to collect this debt. I dont have to pay something that is not mine and it wasnt my fault.
Product: Credit reporting or other personal consumer reports

I asked Equifax to investigate this account - XXXX XXXX XXXX # XXXX - due to inaccuracy. 

The account is being reported inaccurately reported on my credit report as a " charge off '' with no prior payment history. 

Equifax notified me that the account was updated. The account was not corrected or updated and the incomplete information is still missing. 

The account is eligible for immediate deletion, because Equifax did not update, nor could they verify.
Product: Student loan

Upon graduation college following the 6 month no repayment period, I started making payments on my loans without having full-time employment. It got to a point my loans were not being paid. I reached out to  XXXX   XXXX  now  Navient to go ov er options. I was told my only option is Forbearance which delays my repayment plan and their favorite mantra " We will bring your account to current ''. I received a very brief description of the plan. After looking over the loans I noticed my loan almost doubled over time in interest. I was never told or contacted about other income based options, forgiveness plans, or just help managing my interest at all. I understand I have an obligation to pay back the debt I have borrowed. The company also has a obligation to operate in good faith in their dealings the clients. Not mislead, coe rce, or blatantly operate in a manner to encroach on individuals. My account was placed in forbearance over 5x and  accumulated a large amount of interest. Coming out of college and trying to find a career while paying for housing and living costs are tough. Especially when you add to a higher than normal unemployment rate and employers looking for experienced workers. This process was made tougher in my personal dealings w ith Navient. Since then my credit has suffered and have been in a perpetual cycle of low credit score and high interest on simple things like financing a phone or getting a car loan to drive to work. All thi s due to  XXXX  open line items on my credit which consist of  all ( loans ) in negative standings. I write this to inform you of the deceptive practices by Navient and the long term affects it has had on students, parents, individuals both past and present.
Product: Mortgage

I had water damage at my house. The insurance company did not pay on my claim but I sued them and won. The insurance company made the check out to me and my mortgage servicing company. The funds, over {$33000.00}, are sitting in my escrow account and have been for 3 months. The mortgage servicing company refuses to release the fund, requiring documents that I do n't have or that were never in existence because this is not a typical insurance claim but the proceeds of a law suit. They also continue to request documents I 've sent electronically and via regular mail. In one call the admit receipt of a form, in the next call they demand a copy of the the same form claiming they never got it. I 've made over dirty calls and they continue to ask for things not relaxant to my case ( they want documents from the insurance company that I can not get because they are attorney client work product. I need my money to pay back the loans I took to fix the house. I need a real pathway to get my funds, not new hoops to jump through every time I call for months on end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  DEPT OF ED/XXXX, Account # XXXX 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 this account without my written instructions. I have not given XXXX/XXXX XXXX, XXXX TRANSUNION permission to publish this information on my credit report. I am in good standing with XXXX  therefore publishing my student loan information in my report is unnecessary and illegal. This has caused a negative impact on my score which has affected me with personal business I am conducting on daily basis. The removal of this information would be greatly appreciated. I am not denying my loan and will continue to be on good standing.
Product: Credit card or prepaid card

I purchased a custom made sectional from XXXXXXXX XXXX on XX/XX/XXXX using my CITI AAdvantage credit card. 

My couch was quoted at 18-22 weeks, it should've been delivered between XX/XX/XXXX- XX/XX/XXXX. Couch was never shipped to me and never received. I started reaching out to XXXXXXXX XXXX in XXXX of XXXX for information and updates, I was told I would receive a partial refund for continuing to wait for my couch until XXXX. I never received any kind of refund or money back from XXXX XXXX. XXXXXXXX XXXX then went into XXXX in late XX/XX/XXXX and I initiated a dispute with CITI on XX/XX/XXXX for merchandise never received. 

CITI has now denied my dispute twice saying that I am still in my expected delivery window for my merchandise. As you can see from the attachment my delivery window has passed and the new company that purchased the XXXX XXXX brand has told me that they CAN NOT deliver the custom made couch I purchased. 

I need help getting CITI to recognize that this is a valid dispute and that I should receive my money back as I did not receive my product and never will. 

*IMPORTANT, my name has changed since the original purchase. The purchase was done under XXXX XXXX, my name since changed to XXXX XXXX in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I received a refund check from your company, A refund check for {$2500.00}, Check Numbers : XXXX, but the bank can not deposit it! Please check it! Thank
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX - XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Mortgage

On XX/XX/2023, My wife and I, XXXX and XXXX XXXX applied for a HELOC loan online via the Bank of America website and it stated we would receive a letter in the mail, it didn't go on to state that we were declined. 

Today XXXX and I received a packet from Bank of America stating that we either need to sign enclosed document or upload documents that would be requested online via the website www.bankofamerica.com/hestatus, well the documentations is very misleading and leads us to believe that we could potentially get a home equity loan on our home that we have been in 22 years and never missed a payment. The representative at BOA stated that we were declined and that letter would follow up. The confusing thing is that on the website, it states that the approved amount is still pending then it says above that application is no longer active, if you can make heads or tails of all this more power to you but BOA cant have it both ways, if we were denied then why in the world would they send out documents leading us to believe that we might get the loan, why didn't we receive just a letter of declination instead, I informed the representative about the issue and she said they send these out to everybody regardless of approval. I dont buy that because that is misrepresentation, I have attached everything for you to review.
Product: Mortgage

They are listing late payments, due to the long time frame no proof is available to me, I dont have access anymore since they sold the mortgage.