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

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 

This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802 I request that you provide me the " Aggravated Value Of Purchase '' showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
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THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR ORGANIZATION IN THE UNITED STATES XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this message is for Transunion. I spoke with an agent at XXXX XXXX on XX/XX/21. I am guessing he is the manager of the loan department. this person sent me the following : Hello XXXX XXXX, Thank you for contacting XXXX XXXX regarding paying off your loan number { XXXX Loan ID }. You may pay off your loan at any time without penalties or fees. 

The payoff amount today, XX/XX/21 is $  close written off Interest accrues daily, so this quote is only valid if full payment is made today. 
He told me that the loan is showing as closed and zero balance. I told him i wanted them to report to the credit bureau that the loan is paid in full and to delete. he said he has nothing to do with that only the credit bureaus can do it. I asked him to email me a letter saying it is now paid off because transunion has the account as charge off and i want the charge off status removed and the account deleted
Product: Checking or savings account

I had a Wells Fargo PMA account for over ten years, I removed money and told them to close my account. They did not close account as directed, instead they converted my checking account to a fee account. They have settled a lawsuit for doing this same thing already and they are continuing do this. The Bank regulator FDIC should be notified and this bank should be fined again, Account number XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX XXXX : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX There should only be one address in my report, which is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : CEO XXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Barclaycard must have initiated a change in their fee waiver policy/strategy that no longer treats customers fairly. They have firmed their stance that regardless of loyalty to brand, credit worthiness or payment history, they will not waive fees that are not a bank error. This stance is unfair and disparate treatment ; if I were stop paying my monthly payments and allow my account to fall delinquent, I would be rewarded by various payment programs that would reduce my interest, zero it out all together OR, waive fees. IF your stance is to only waive fees in the instance of a bank error, then this stance should spread across all lines of credit whether I am a customer for 10 years and never went late, or a customer who is 100 days late. To further exacerbate the change in policy, the customer service agents are ill equipped to deal with the push back customers who have faithfully honored their terms and agreement are more than entitled to give. In the past, instances of oversight or in my case, Tropical Storm XXXX taking out my power, our requests have been reviewed levelly against our payment history and previous fee reversals. On XXXX/XXXX/2015 I called to request a courtesy reversal of a fee that posted to my account at midnight on the date of my payment due date. I explained to the representative that I was unable to schedule my payment on the website or even by phone because I had no power. There were many news bulletins, warnings for my area and expressed power outages in my area. My payment was scheduled at XXXX the very next day when I saw that power was restored. My payment was technically XXXX hours late. Despite my explanation and the absence of previous fees, I was treated rudely, placed on extensive holds and ultimately hung up on by the agent. This behavior is unacceptable and unfair to customers who have no idea that a change in policy has been implemented. If this is the way Barclays intends to proceed they need representatives who can better communicate this to customers who deserve the benefit of the doubt ; especially when customers who do not honor their terms and agreement are given leeway that contradicts what I was told on XXXX XXXX, 2015.
Product: Checking or savings account

On XX/XX/23 I received in my mailbox 15 debit cards from the Navy federal credit union that I never applied for. I contacted them about this and they were shocked that this happened. I also received text messages from them on XX/XX/23 if I used a card for {$1.00} several times. They told me that they are going to close the account and follow through by calling me on Monday to see what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Unpaid Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$760.00} XXXX XXXX Unpaid Balance {$0.00} Bankruptcy XXXX  XXXX Dismissed Docket Identifier XXXX FACTUAL DATA XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

My coinbase acct was compromised and they stole my life saving money of {$56000.00}. Based on the XXXX XXXX, coinbase are known for stealing peoples money. They have a long history about fraud and have cases with SEC. Someone got a hold of my acct and did several transfer from my bank to this coinbase. The first one was on XX/XX/XXXX for {$5000.00}, XX/XX/XXXX for {$10000.00}, XX/XX/XXXX again for {$5000.00}, XX/XX/XXXX for {$5000.00}, XX/XX/XXXX for {$30000.00} and XX/XX/XXXX for {$1500.00}. I have talked to several coinbase agents and they assured me that i am qualified for a one time credit but they kept me hangin for nothing and then decided that they cant help anymore. I have all the proofs and screenshots of our communications tru email and i got tired waiting for them. I reopen the case and they said that its still under investigation and i am not waiting anymore for nothing. Sooo many Americans lost or loosing a lot of money from this coinbase company and they should be penalized for what their doing wrong to us. Its our hard earned money that they stole here. And i really need help pls. My counbase case number is XXXX. 

Thanks, XXXX
Product: Vehicle loan or lease

I received a copy of the condition report and the amount due on a lease from Chase. There was NO damage to my car except the pitted windshield claim for {$20.00}. I am appalled that they can lie and add these charges since they probably think no one will complain. I dropped car off at a XXXX dealer and there was NO damage as they claim. Additionally if they claim that I did not do the voluntary pre-inspection, they made this impossible to scheduled for a full time working single mother. They should be liable for these lies. 

Additionally - It does not cost {$350.00} to fix a " light scratch '' and please see the other charges in the attached paperwork. The prices are outrageous and NOT in any paperwork I signed.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am a law student at XXXX with deferred student loans. MOHELA is reporting I am behind though I am not set to begin payments for at least 18 more months. The website provided by the U.S Dept. of Education has been " down for migration '' for months directing obligatory parties to call the toll-free number ( verified through the US Dept . of Education ) which routes all calls into a third party sales " offer '' without any means of directly communicating with customer service without hearing the " pitch '' and being transferred. At this point, there is pressure to make a payment that is not owed including tactics such as threatening with my credit report if not paying the bill which is NOT owed. These are predatory and unfair business practices which I am looking for assistance on. Thank you. 

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

Dear CFPB, Experian and XXXX  accused me of using a third party credit repair company when it was actually me. I feel completely violated and heavily stressed. Please help solve this problem. It's been over two months.
Product: Debt collection

I asked Foursight Capital to stop calling me about a car loan debt. They continue to call and hang up after 1 ring.
Product: Debt collection

Good evening, On XX/XX/2022 between XXXX and XXXX I received a series of XXXX calls from XXXX XXXX that I attempted to answer more than once and also received a voicemail at XXXX asking me to call same number at extension XXXX. I called back and was transferred to XXXX XXXX at XXXX XXXX XXXX who asked me to verify the last 4digits of my SSN without advising me of the purpose of her call. Once I requested the reason for the call she advised me that it was regarding a debt from XXXX or XXXX on behalf of Comenity bank. I advised her that I had no idea who XXXX or XXXX XXXX was and that I needed a report of the charges from the original creditor to verify. 

I can be reached at XXXX XXXX or by email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I filed a complaint with the FTC for identity theft. One of the five accounts listed is on my Equifax credit report. Just as the FTC recommended, I mailed, faxed, and emailed a copy of the FTC report as well as a letter with the FTC logo upon it, the latest copy of my credit report, a copy of FCRA 605 ( B ), and a copy of my driver 's license as identification. Equifax did immediately put a fraud alert on my account. Unfortunately, that is all they did. As per the Code, I know that a block is supposed to be placed on the account resulting from identity theft. This has not occurred. The only fraud process they have online is to submit the fraud through their dispute resolution center. I did upload all my documentation, again, but now the " date of resolution '' is now over a month away. That is not part of FCRA 605 ( b ). Plus, my credit score declined by 72 points. There are only 2 negative reports on my file. Can you please help me get this information to them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports and noticed that XXXX had a hard inquiry on my for both XXXX and Equifax. I wrote both credit bureaus and in XX/XX/2018 and it was still there. I then wrote XXXX and they responded on XX/XX/18 that they could not find any information on me. They wanted my address copy of my credit report and my account number ( switch I couldn't provide because I did not apply for XXXX ). Then gave them all the information on XX/XX/XXXXto the XXXX  and as of XX/XX/XXXX have not responded to me. I have called XXXX XXXX customer service number and no one could help or have information of someone to contact. The Credit Bureaus won't remove it and XXXX has no idea how it got there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, Equifax, and XXXX are reporting accounts that are not mine and are allowing these collection agencies report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, Experian is reporting a delinquent account that has included in a bankruptcy in 2016. I provided proof that the account was included in the unsecured part of the chapter XXXX filing with a chapter XXXX case number and location of filing. I disputed the claim again in hopes they will correct this error. I also called the collection agency and they said they never received discharge paperwork, how convenient. I showed them the required format the courts demand for proper mailing. I also provided proof that the format was followed perfectly. I am fed up with this delinquent account hurting my credit rating and causing issues with credit line increases. I hope this does not fall on deaf ears and something can be done. I filed, they got notice and just pretending they didn't so they can continue to hurt my credit. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. My XXXX XXXX XXXX daughter named XXXX XXXX just obtained her driver 's license on XX/XX/XXXX. LEXISNexis is falsely reporting 2 accidents I had in XXXX under my daughter 's driving record causing me to pay astronomical car insurance rates and are refusing to fix it. I have filed multiple cases with them ( case # XXXX, XXXX ) providing them with information that my daughter was only XXXX XXXX XXXX at the time, I provided them her driving history from XXXX showing she never had any accidents when she was XXXX XXXX XXXX and that the accidents are correctly showing under myself so they should not be showing under my child. I also provided my daughter 's driving record to XXXX but they told me I need to dispute this with NEXISLexis and they have totally refused to correct this. I had 2 accidents ( netiher which were my fault ) on XX/XX/XXXX and XX/XX/XXXX showing correctly under me and now they are trying to put them under XXXX as well.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC to formally report a violation of my rights under the FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( ( 15 U.S.C 168 1b ) and applicable provisions of the FDCPA. Fraudulent activity has impacted my FICO credit report, including unauthorized accounts and fraudulent collections that were reported without my authorization. These actions are clear violations of my rights, as the accounts were reported without verification or my consent, resulting fraud. I demand that these fraudulent items be immediately removed from all of my credit reports I request a thorough investigation into how these violations occurred. FTC Report XXXX : XXXX, dated XX/XX/year>. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX and FCRA XXXX ( b ) 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 XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX account number XXXX Please find enclosed the following documents to support my claim :. I hereby demand the immediate removal of this fraudulent account from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( FDCPA ). I require that this account be deleted in compliance with these protections, and I expect confirmation of its removal to ensure. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back when I was a college student in XX/XX/XXXX, Bank of America reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because Bank of America was still reporting me for " account abuse ''. I am confused because five years ago in XX/XX/XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the XXXX entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently Bank of America switched my information with hers. Recently, we visited a local Bank of America branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. 

This has caused a tremendous amount of confusion and distress for me and my mother. I want the XXXX  entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
Product: Credit reporting or other personal consumer reports

I was a customer of XXXX XXXX back in XXXX. I just wanted to know am I eligible to receive compensation. My address has changed since then so I was just checking to see if I had money coming to me.