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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX sold my loans to aidvantage. I received an email stating that they would be going to aidvantage and nothing would change about my loans. Then when the company aidvantage received my loans they suddenly reported that I had missed payments with them and the only reason I found out is because my credit score dropped over XXXX points. I am in forbearance and do not graduate until XX/XX/year>. When I spoke to the first representative at aidvantage she told me that it doesnt matter if I am in forbearance that they are reporting that I am not paying the interest on my loans. I have never even prior to XXXX was informed I was suppose to do so and have never paid interest on my loans nor has my credit score ever been affected. She would not help me further and told me every month it would decrease my credit score. I contacted XXXX XXXXXXXX XXXX in XXXX, IA where I received my XXXX degree to make sure they reported everything correctly. They told me it showed I was in forbearance. I contacted the financial aid department at XXXX XXXX XXXX in XXXX, IA which I currently attend and they told me everything was reported by all schools that I am enrolled full time and everything should be in forbearance and it should not be showing anything on my credit score as I do not owe anything at this time. I kept calling advantage and they told me they could make a note and they couldnt do anything else. I spoke to a few classmates who took out the same loans and are in forbearance none of them have ever had anything reported while in school on credit reports and have never paid interest. I contacted transunion and equifax and disputed all loans. I have not received any information and my credit score still shows the XXXX plus point loss from the report from aidvantage.
Product: Vehicle loan or lease

On the day we purchased the vehicle from the dealership, it was strongly suggested by XXXX the Finance Manager that I purchase an additional Vehicle Repair/Service Plan for {$1800.00} ( which he included in the Loan or financed amount ) which was a Pre-Paid service repair plan which I could use for repairs and service on a future date as needed. 
At no time was I informed and categorically advised that I could lose the {$1800.00} as a result to Non-Usage, I was not informed that I had to use the Pre-paid service plan by a specific date, nor was I informed that the money I was agreeing to pay could be lost and was non-refundable. Had that been disclosed to me, I would Not have agreed to finance an additional {$1800.00} which I could loose. The sales agent NEVER informed me of the potential loss of our hard-earned money otherwise we would not have agreed. This is a clear case of deception and exploitation, and I am a senior citizen who was railroaded into buying additional services with a steep price without being properly informed. 
We paid for the service in earnest believing that we could use the Prepaid service anytime we wished. As stated by the sales agent " Enjoy Peace of mind savings when you pay in Advance '' which is what I expected to receive, this purchase was made at the suggestion if not the insistence of the sales agent just before signing the transaction documents. Upon contacting the dealership to get our money back we were informed that the money is not refundable. {$1800.00}! Gone! without being properly informed about what we were being signed up for.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of my accounts listed in your records, in accordance with 15 USC 1681c-2 ( a ). I have become a victim of the data breach that occurred, and I am concerned about the potential misuse of my personal information.
Product: Credit reporting or other personal consumer reports

I Have Hard Inquiries On My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, And Snychrony Bank. I Have No Acknowledgement Of These Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries as I didn't initiated them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX weeks ago, a collection account popped up on all three of my consumer credit reports from a company called The XXXX XXXX. This is a MEDICAL collection that I absolutely, positively DO NOT OWE. Additionally, I NEVER ONCE signed a HIPAA release form to allow my private, protected medical records to be shared with ANY outside parties, including this collection agency. I have reached out to The XXXX XXXX MULTIPLE times and even sent their CEO an email, but they have chosen to completely ignore me, which is a blatant violation of my rights under FCRA. I have additionally disputed this account with all three credit bureaus ( XXXX, Equifax, and XXXX ), and they have entirely failed to delete this erroneous, slanderous medical collection account. First of all, because this is a MEDICAL collection, this is treated much differently than any other collection due to the sensitive nature of the information being collected on. In order for The XXXX XXXX or any of the credit bureaus to validate this debt, they would need to be able to provide a FULL BREAKDOWN and explanation of exactly what medical services I received that I owe this alleged debt for. However, they CAN NOT do that because I never signed a HIPAA authorization allowing this information to be shared with any parties outside of my medical provider 's office. Therefore, NO ONE is allowed to have access to this information but myself and my medical provider. Despite my disputes with XXXX, XXXX, and Equifax, they have somehow " verified '' this debt and left it on my credit reports. They have no way of verifying this debt because, under HIPAA laws, they should not have access to the information required to verify or validate anything about this alleged debt, which I do not even owe. They can not tell me WHAT services I allegedly owe for because that would be a violation of HIPAA if they had access to this information. I am hereby DEMANDING that this erroneous collection account from The XXXX Agency be IMMEDIATELY deleted from my credit reports. Otherwise I will be pursuing legal action for not only false reporting, but violating my HIPAA rights.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX
Product: Mortgage

I applied for a hardship refinance with Flagstar Bank and submitted all the required documents. I called back after two weeks and was told the application was under review. I called back in another two weeks and was told the application was rejected because the documentation provided was too old. The pay stubs were the only documents that were to be recent and they were my XXXX most recent stubs at the time. I applied again and was never able to get an update about the status of the loan until after over a month had passed. I was always told they were backed up due to the number of requests, but it was in progress. I was finally able to get someone to tell me that my request had been rejected again because the documents were too old. I ended up having to take out a 401k hardship loan and am still paying tax interest and penalties because of it.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a phone call I received from XXXX XXXXXXXX XXXX demanding payment three days prior to my actual due date. 

On XX/XX/XXXX at XXXXXXXX XXXX I received a call from a XXXX XXXX XXXX  representative that lasted 1 minute and 40 seconds, pressuring me to make a payment. However, according to my billing statement dated [ insert statement date ], my due date is clearly listed as the XXXX of every month. 

I believe this early collection activity is inappropriate and could be considered harassing, especially since my account was not delinquent at the time of the call. 


I am writing regarding a collection account associated with XXXX XXXXXXXX XXXX. 

I have reason to believe your company has violated the Fair Debt Collection Practices Act ( FDCPA ) in your handling of this account. Rather than pursue legal action, I am willing to resolve this matter informally. 

As a resolution, I respectfully request that you remove this account from all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ) with no payment required. In return, I will consider this matter fully resolved and will not pursue further legal action regarding the violations. 

Please provide written confirmation that you agree to : Delete the account from all credit reporting agencies. 
Close the account with no balance due. 
Once I receive this confirmation, I will consider this issue resolved. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I tendered payment of an instrument with correspondence that stated I was making an offer for full satisfaction of the debt to Ally Financial 's address on billing state where it says to send payments for full satisfaction on XX/XX/year>. I sent copies to the Corporate address. I sent multiple letters and a notice of dispute to both addresses. I only received 2 responses from the address on the billing statement that stated they didn't understand the documents that were received so it wasn't binding on them. Ally placed a late payment to my credit report in violation of the fcra. My payment was dishonored.
Product: Money transfer, virtual currency, or money service

Hello, I sent {$2500.00} in Tether ( USDT ) from my XXXX XXXX  to Coinbase on XXXX. At the bottom of this page is their response as to what happened to my funds. 

I have included a screenshot and url that proves Tether to be on their list of supported coins. There is no caveat to support their email response. 

XXXX XXXX XXXX I am also including 2 screenshots and the snowtrace url proving the transaction was delivered to the Coinbase address provided to me by Coinbase. 

https : XXXX Hello XXXX, Thanks for contacting Coinbase Support. It appears that this transaction involved USDT ( Tether ) being sent to Coinbase. I can clarify what had happened here. 

Tether is a type of cryptocurrency which runs on top of the XXXX and XXXX XXXX. Coinbase only supports Tether as an XXXX token at this time. 

While transfers of Tether on the XXXX blockchain include a small amount of XXXX sent to an address, any Tether associated with this transaction is not accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. I will seek monetary compensation if this isnt handled
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 XXXX : Account Number : 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: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Experian on multiple occasions, via phone, mail, cfpb etc to no avail and have yet to get my issue resolved. The list of negative items have yet to be removed even in providing the necessary documents requested of me! This is not right and If not expedited I will be suing for monetary relief as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complaints were delayed, ignored and not addressed by wells fargo. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX XXXX are the issues here.
Product: Credit card

XXXX Go toMake paymentfor BankAmericard Visa Platinum Plus - XXXXGo toTransfer funds DateDescription $ Amount XX/XX/2024 XXXX  XXXX CA {$9.00} IT IS FRAUD. 

ACCOUNT FROM XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THE APPS COMPANY DEBITED WITHOUT MY AUTORIZATION THE AMOUNT OF {$9.00} IF I DO NOT STOPPED IT I WILL EXPERIMENT EVERY MONTHS THE AMOUNT MENTIONATE IN THIS COMPLAINT. HELP ME TO BACK {$9.00} PLEASE. TO MY ACCOUNT VISA BANK OF AMERICA
Product: Debt collection

Refused to accept my insurance claim. Refused to allow for payments. Continues to call outside of XXXX-XXXX business hours. Has kept multiple paid accounts on credit report stating they would not remove until paid account.
Product: Credit reporting or other personal consumer reports

Complaint Regarding " Unscorable '' Credit Report Issue with XXXX and TransUnion Date : XX/XX/year>XXXX  To Whom It May Concern, I am filing a formal complaint against both XXXX and TransUnion regarding an issue with my credit reports. My credit reports from these agencies indicate " UNSCORABLE, '' accompanied by the FICO logo. This information is inaccurate and has caused significant challenges for me. 

I currently have multiple credit accounts that have been actively reporting for nearly six months. These accounts should provide sufficient data for generating a valid credit score. Despite this, my reports remain marked as " UNSCORABLE. '' Additionally, I have attempted to reach the customer service departments of both XXXX and TransUnion by phone to resolve this issue, but I have been unable to get through to a representative or receive any assistance. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and direct XXXX and TransUnion to review and correct the issue promptly. Accurate credit reporting is essential to my financial stability and ability to manage my credit responsibly. 

Thank you for your assistance. I have attached supporting documentation for your review.
Product: Debt collection

I am filing a complaint against Capital One for failure to comply with federal tax law under Internal Revenue Code 6050P and Treasury Regulation 1.6050P-1. My account was charged off or canceled, but I have not received a 1099-C as required by law. The debt in question exceeds {$600.00}, which mandates reporting to the IRS and providing me a copy. The creditors failure to furnish the 1099-C is causing confusion regarding the status of the debt and its tax implications. I request that the CFPB investigate this matter and require the creditor to comply with applicable laws.

The Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5481 et seq. - addresses the harm caused to consumers by unfair, deceptive, or abusive practices, particularly in credit reporting. The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to regulate these practices, known as UDAAPs ( Unfair, Deceptive, or Abusive Acts or Practices ), in consumer financial products.

Capital One 's actions are significantly harming my credit score, which constitutes an unfair or deceptive act. Such practices undermine the integrity of the credit reporting system and negatively impact my ability to manage my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unrecognised and unauthorised 'soft ' enquiries on my personal credit file. Experian has not responded to several ( mailed ) requests for additional information about this access, as well as the 'permissible purpose ' as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I purchased a vehicle and was not informed of multiple inquires I was told it would be XXXX inquiry which is what I authroized so this inquiry is not authorized and should not be on or a hinderance to my credit by law
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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: Checking or savings account

19 months ago I created a XXXX  XXXX subscription with XXXX ( via my credit card ). Email was XXXX When I logged into XXXX directly, they showed I did not have XXXX. To this day, they do not show that I've ever had XXXX access. 

When I saw that, I created an account with XXXX directly : XXXX. I've been paying them XXXX for the same 19 months. 

However, I recently learned that XXXX has also been charging me 19 months in a row for the original account despite the access not being USED or PROVIDED. 

XXXX would only refund me XXXX x 2 mo. Chase ( it was a debit card ) did nothing.
Product: Vehicle loan or lease

Purchased a vehicle 5 days later the motor blew up called warranty center they would not honor the warranty called lender and told them they could come pick up said vehicle its been 2 years and I have no idea where this vehicle is when I told the lender to come get it that I was voluntarily giving it back it was at a shop in XXXX XXXX Wisconsin I should not be held responsible for a vehicle I can XXXX XXXX let alone a vehicle I voluntarily gave back considering the warranty center would not honor the warranty and replace the motor lemon laws do apply in Michigan
Product: Student loan

I applied for the IDR plan and was told I was in good standing. I knew I had to pay a {$5.00} one time fee and was waiting on the bill to come. It never did, so I called back up to XXXX and they told me that the {$5.00} payment went through electronically. Come to find out, it did not go through electronically, however, my application expired due to lapses time of payment. Now I am 21 days past due and having to re-submit paperwork to make my payments. 


I also am only showing 8 payments towards my 120 payments and it should be more. I sent in the Employee ID Form and it is approved. This has also been an issue that I have been fighting for since my consolidation. 

XXXX is acting very poorly on my behalf as I try to do the right things. This is just not acceptable to me.
Product: Credit card or prepaid card

In reference to my previous complaint # XXXX. Citibank stated in their letter of XX/XX/XXXX that the {$3000.00} credit would become permanent after XX/XX/XXXX. I have contacted the credit card many times in the last week and was unable to have that money credited to my checking account. I was able to get the previous credit that was permanent transferred to my checking account but not the {$3000.00} Thanks again for all your help. It has been over a year! 
Regards, XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for multiple violations of federal law related to the handling of fraudulent accounts on my credit report. Despite providing both a police report and an FTC Identity Theft Report, Equifax has failed to remove the following fraudulent accounts and a fraudulent inquiry from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 : XXXX XXXX XXXX Account XXXX : XXXX Balance : {$800.00} Date Opened : XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) XXXX Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts : Notarized Identity Affidavit FTC Identity Theft Criminal Complaint # XXXX and # XXXX Proof of Removal from Equifax and other credit bureaus Additionally, I would like to bring to your attention that I am a victim of the Equifax XXXX Breach ( see attached proof ), which has further contributed to the misuse of my personal information.
Product: Debt collection

AFNI INC A DEBT COLLECTION COMPANY ADDRESS XXXX XXXX XXXX IL XXXX REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT ANGENCY HOW ARE THEY VERFIED? THANKS