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

i have sent several dispute letters similar to the below text, I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I believe the reported balance and charge-off status for this account are incorrect. Additionally, the payment history and delinquency dates do not align with my records.

I request that Equifax conduct a reinvestigation of all accounts, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and provide me with the results of the investigation within 30 days. If the information can not be verified, I request that it be promptly removed or corrected, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ).

Please note that under 15 U.S.C. 1681i ( a ) ( 6 ), I am entitled to receive written notice of the results of your reinvestigation, including a revised credit report if changes are made. 

Thank you for your assistance. 
Sincerely, i have received no information or response from equifax. i recently downloaded another copy of my report # XXXX. No corrections or deletions have been made. I also have suffer identity theft recently and have reported to the appropriate departments.
Product: Debt collection

On the day of the medical appointment my spouse and I showed up at the XXXX XXXX and checked in with the insurance/payment person. I stated that my insurance had recently changed and if I was not covered, I did not want to be seen ; rather, I would walk away from incurring the charge because I could not afford it. This was all witnessed by my spouse. The insurance person made some efforts to confirm my coverage and told me that I was certainly covered and there would be no problem with going forward with the visit. Of course, later, the XXXX billing department said I was not covered and demanded {$2500.00} for XXXX visits, all charges worked up for the XXXX XXXX doctor 's visit. I offered to pay the amount of my typical deductible, which was refused as payment. They required me to submit to their disputed bill department, which I did, to no avail. Then they repeatedly called me, threatening to send the bill to collections to ruin my credit rating despite the fraud they committed upon me, again refusing just payment, as they promised to accept at the time the service was performed. And now I receive a collection letter from a law firm telling me to submit the same information all over again if I dispute the outrageous charge. On XXXX treatment visits, I rehearsed I did not want to be seen if I was not covered by insurance. My new insurance flatly refused to pay XXXX charges ( XXXX XXXX XXXX XXXX XXXX Arizona ).
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.
Product: Debt collection

Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be XXXX XXXX, consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that Affiant, is aware and has proof that Credit Control LLC. In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that Credit Control LLC . In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

1. I, XXXX  the consumer is disputing this debt, Credit Control LLC. You should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

XXXX-Consumer
Product: Vehicle loan or lease

Please can you help with My problem with XXXX XXXX I turned in a lease early I leased the vehicle in XX/XX/XXXX and turned it back in XX/XX/XXXX I had put {$6500.00} down at the time of signing so when I turned the vehicle back in the dealer and XXXX XXXX told me I was in the green with early termination fees. From XX/XX/XXXX to XX/XX/XXXX on all 3 of my credit bureau reports showed XXXX balance for my XXXX XXXX account. In XX/XX/XXXX I hired a company to clean up my credit they disputed my XXXX account and they came back stating on all 3 of my credit bureau reports that I owe {$12000.00}. Then it was disputed again then on all 3 of my bureau reports {$5300.00}. As of today XXXX on all 3 of my reports says I have a past due balance of XXXX Ive talked to over 20 different people at XXXX XXXX   and get no answers they just transfer me from person to person and nobody I talk to has a clue on what is going on they all tell me different prices that I owe. I tried disputing it with all 3 bureaus and get no help with anyone. I do not know what to do I am so very frustrated with this I do not owe them any money and I do have credit reports post to XX/XX/XXXX showing that this account was a XXXX balance I can not even get a car loan because this in on my credit report please help me thank you Sincerely XXXX XXXX
Product: Debt collection

This account with TD XXXX was handle, by an Attorney with XXXX XXXX XXXX XXXX, the account was Dismissed. Plus XXXX XXXX been Deleted This account, But I don't know why it is still lingering after. 3 years. 
Now i get a letter they have sold the account XXXX XXXX XXXX XX/XX/2022. This is why people credit is messed up now, because it is allowed for charge Off, Paid Off & Dismissed Account to resurface. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want be contacting anybody else regarding this ( Fraud Activity ) except The Federal Trade Commission next.
Product: Money transfer, virtual currency, or money service

This complaint is directly focused on Robinhoods unacceptable customer support practices. The company is unable to handle support tickets, as evidenced by two of my most recent interactions with them. After a disruption of my ability to trade cryptocurrencies on Robinhood, I opened a chat with their customer support. As seen on the attached transcript, the company notified me at XXXX XXXX  on XX/XX/XXXX that their service support team is experiencing longer than normal wait times, encouraging me to cancel my case. I continued receiving the same message through XX/XX/XXXX at XXXXXXXX XXXX at which point an agent joined the chat and proceeded to close it due to a lack of response on my end ( given that it was 10 hours after my initial message and, considering the time of day, I did not see their note until later that morning ). 

Given the importance of their platform for financial transactions, not having functional support is unacceptable and can potentially cost customers significant losses. Robinhoods inability to address critical issues promptly undermines user confidence and poses a serious risk to its customers. I urge the CFPB to investigate these deficiencies to prevent further harm to consumers and to compel Robinhood to strengthen its customer support practices to address the deplorable level of service they are currently providing.
Product: Student loan

We have been trying to contact Mohela for more than six months regarding an FSA XXXX XXXX loan that we took out for our child. We have written emails, we have called and been on hold for hours, we have texted through their portal, all to no avail. As of recently, their website is inaccessible as well. We get absolutely no response except a form letter stating that our account is in arrears. We are desperately trying to work out a payment plan that is reasonable, considering we have limited income. 
We have ever done everything that we could possibly do to contact Mohela regarding this account and gotten nowhere. Not only is it frustrating, and incredibly time consuming, It is distressing to know that our credit will take a hit due to inaction by Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I called so many times i lost count XX/XX/year> was the inquiry i dont recognize from synchrony XXXX
Product: Debt collection

I get at least over XXXX calls a day from the same people with different numbers. They wo n't say anything when I pick up either. They all begin with area code XXXX & the prefix is always XXXX. The caller ID information states that they are from XXXX XXXX, TX area. I have received phone calls from them at XXXX at night & calls as early as XXXX in the morning. I also get calls all day long while I 'm at work. I received XXXX calls alone from one number XXXX XXXX XXXX in one day on XXXX XXXX, 2015, XXXX call from ( XXXX ) on XXXX XXXX, 2015, XXXX calls from ( XXXX ) on XXXX XXXX. Other numbers they have tried to call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This needs to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

For nearly a year I have been trying to get my credit report from Equifax via mail and online. My account does not let me login and Equifax claims there is nothing wrong. However when I gave them my login information they tried to access it and couldn't. I keep receiving emails saying it's fixed and it never is. This is my last time trying to get them to fix this before I launch a Federal lawsuit. I have not been able to get any help. I have tried to dispute items but because Equifax refuses to respond to my pleas to fix my account or answer my mail they continue to violate my rights. They keep lying and making excuses. 


My Equifax email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mortgage account with 53rd bank ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked 53rd bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that 53rd bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date. 
I am in danger to loose my new mortgage loan opportunity if they take a action quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Product: Bank account or service

I was scammed by a person offering work as a private driver, the person sent me a check for my name, I deposited in my account and the next day was the money in my checking account. I withdraw the cash the next day having deposited the check, and made a cash deposit money gram. 6 days after I check my bank account and I get $ XXXX. I check and he says the check was returned. I went to the bank to see what has happened and the only thing they told me is that the check was fake. The problem is that my bank charge me a fake check which they should have checked before giving money, because if the bank checks before the check is false and sees none of this would have happened.I help me see that I can do with the bank. What steps to take. Since I made the police report and I nummero report. Prompt response and hope to have the urgency I run out of money. Thank you.
Product: Money transfer, virtual currency, or money service

Attempted to purchase tickets online to an event from an individual. After a lot of back and forth, I sent a payment in the amount of {$370.00}. The person " didn't receive it '', but conversations with XXXX and the bank and supports XXXX indicate otherwise. XXXX states that they do not provide protection in this case.
Product: Credit card

I purchased clothing from XXXX on XX/XX/year>, totaling {$270.00}. On XX/XX/XXXX, I received a message from XXXX indicating that my package couldn't be delivered due to weather conditions. After following up with XXXX about the status, I found out that I still hadnt received my package since XX/XX/XXXX. Since then, Ive been in continuous contact with XXXX, but there's been no resolution. They keep assuring me that they will reach out to the XXXX, XXXX, but so far, nothing has changed. 

I was given a tracking number, XXXX, but the status of my package remains stagnant, and they can not tell me where it is. I suspect that my package has either been lost or stolen by XXXX, which is why Im seeking a refund. I opened a dispute with PayPal on XX/XX/XXXX, and the next day, I received a message from XXXX offering a refund if I withdrew my dispute. I replied the same day, making it clear that I wouldnt drop the dispute until I received my money back. 

On XX/XX/XXXX, I got a text from an XXXX representative saying they were still trying to track down my order. However, they informed PayPal that my package was delivered on XX/XX/XXXX. My security cameras are proof that no package arrived on that date. I escalated my case through PayPal on XX/XX/XXXX, only to receive a message on XX/XX/XXXX stating that my dispute was closed because XXXX and XXXX had provided proof that the package had been delivered, which contradicts the facts. When I checked the XXXX website, my package still showed as undeliverable. If the package was, in fact, delivered, why havent they provided any surveillance footage or physical proof like GPS tracking and stamped delivery times? This situation with XXXX and XXXX is simply unacceptable.
Product: Credit card or prepaid card

I been going back in forth with Bank of America to get my money back from a claim I filed with them they have been giving me the run around saying that my claim was approved then when I called them they are telling me something different. I been dealing with this situation since XXXX I was ask to give all required documents such I.D, police report and proving documents to get my money back I do that then I be told it is denied. I also have been told they have video footage of someone walking up to the ATM to take money off my card that is not me. I just want what I put in a claim for so I can pay my bills. So in XXXX I filed a police report stating that I was a victim of identity theft and my edd card was sent to different addresses as well as I didnt receive my stimulus checks. I talk to edd didnt know I was approved for edd because different representative would tell me I was denied getting unemployment until I sat on the phone for two hours in them telling me I was approved in that my card was sent to a different address. So I wasnt able to file a claim until XXXX of this year is because thats when I fought out. So I told Bank of America what happen in they tell me I was denied the claim because I waited to long to dispute the charges made on the account. Which is false I didnt know I was approved for Edd because I was being told I was denied for it by different representatives. I feel the people that work for Bank of America are new workers because everyday that I called I get told different things regarding my claim which is not right and people are not really doing their job. Im in the process of being evicted out of my house because of Bank of America not giving me back the money that I put in a dispute for. I just want my money so I can pay my bills and rent in get out of debit.
Product: Debt collection

This complaint is against LVNV Funding for continuing to report a negative account in the amount of {$910.00}. This account is causing serious damage to my credit score. Please note that I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I am asking for this account to be removed from my credit files.
Product: Money transfer, virtual currency, or money service

XXXX XXXX 2017 Coinbase enables BitcoinCash trading. The price of the coin was moving up before the announcement. 4 days prior to that Coinbase listed a road map that stated Bitcoin Cash would be available for withdraw only. I was not able to sell my Coins because Coinbase did not enable me or other Customers. The site was down and it is still down. There was no prior notice of this action. The price rose as high as {$9000.00} before crashing to {$3200.00}. But prior to this the price moved up before they even announced it. I feel many users n this exchange have been defrauded by the actions of Coinbase. They have listed a policy of employees trading but there is more substantial evidence that Coinbase is acting to mislead its customers. I want to know why they listed this at a minutes notice. I want to know why it was being promoted heavily and even XXXX XXXX  calling Bitcoin Cash Bitcoin. I also feel listing 2 similar names to be confusing to some. Coinbase has not answered any question of this and I feel they coordinated to collide with others at the expense of their customers. I feel Coinbase is using deceptive practices. I feel Coinbase is using predatory actions and not being truthful with their customers
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XX/XX/2022 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

I've been going through this for years now. Inaccurate late payments are being reported. I've provided bank statements multiple times showing the payments were made. I've spoken to customer service on a recorded line XXXX of XXXX  & was reassured the late payments were inaccurate & would be removed. I've suffered significantly financially because of these late payments being reported in accurately. My payment history was 100 % before this occurred. I've disputed multiple times & their " reinvestigation '' always comes back as updated but nothing in the report changes. My payments are {$370.00}. As you see from bank statements I've paid {$400000.00}.
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 accounts 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 Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$13000.00}