23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I sent Navient a goodwill letter regarding the late payments being reported on my credit files, also informing Navient I had XXXX XXXX around the time some of the late payments are being reported. In Navient 's response I was told retroactive deferment and forbearance processing resolved the delinquencies and past due statuses, but because the reporting I requested to be removed occurred prior to my requests they will not be able to remove the late payments from my credit report. Navient is in violation of Section 623 ( a ) ( 2 ) of the  FCRA by not removing and updating the late payment statuses. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. 

I respectively ask that the lates from XXXX 2016 be removed and set to current. As soon as I contacted Navient who did n't have my contact information to inform me my forbearance was ending my accounts became current. 

Also, Navient is continuously increasing and decreasing the balances on my accounts, deleting accounts and adding them back and this is adversely affecting my credit score. I am in the middle of financing and the frequent updates are detrimental to this process. Also, I am not sure how one can go from being current one month and the next month reflects 90-120 days late and then current again the following month.
Product: Debt collection

Multiple agents hung up on me Manager got on the phone telling me there is no way to contact compliance, and that there was no compliance department. 
Stated she handled all compliance. Hung up the phone on me. She also stated that the account was going to be reported to my credit and there was nothing I could do about it. 
Called again months later team Leader hung up on me because he didnt want to talk to me. Also last agent I spoke to bribed me to pay the bill by pay for deletion. I was told only if I paid the bill same day XX/XX/2023 that they would delete it, I asked for a settlement and they told me if I took a settlement that it would not be deleted from the credit bureau.
Product: Debt collection

I noticed on my credit report a collection account from Franklin Collection Service. I contacted them and requested a detailed description of charges as well as a signed document with the medical provider. The collection agency contacted XXXX XXXX Hospital and the hospital released to the collection agency a third party, my medical history, procedures, and tests without my consent. They did not send me a signed document from the medical provider. I feel that my rights have been violated. I never received a bill or notification from XXXX XXXX Hospital and this bill was placed on my credit report.
Product: Credit reporting

I PAY for ID protection with Equifax so I look online and see that most of my accounts were deleted off report and only XXXX were showing so I call them and I am told that for some reason my report was split into XXXX so XXXX report has XXXX accounts and the other has only XXXX. I have been denied credit due to creditors pulling my report and seeing only the XXXX with XXXX accts and so I am taking the hit for inquiries and also being denied services due to only having XXXX accts on that report ( length of credit history and XXXX of the XXXX accts had 30 day late marked ). I can not see the XXXX report online in my ID account that I got to monitor my report. I do not think this is fair that my report was split for whatever reason and my score is going down for the inquiries when creditors pull it and they are denying when they see the XXXX ( XXXX acct ) report. I want the report with only XXXX accts removed/deleted or combine the XXXX reports into XXXX. them splitting my report has hurt me since I am being denied and all these inquiries are on my record when they are not even getting my actual report. I feel as though my rights were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit reports, and I discovered that XXXX XXXX XXXX account number ending XXXX was still showing as the delinquent for 30 days I would like to see about getting updated account information because I noticed that the account was reported 30 days late although I was consistent with my account and it was a switch over with purchasing a new car it should have never been on my report. Per section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act, you are required by federal law to verify all accounts post it to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This is the Liquid account record is inaccurate and I request that the following amount be validated and properly removed I am also requesting updated information within 30 days from this notice I also have Supply proof in the documents below that several telephone numbers and information and addresses and name spelling multiple name spelling or inaccurate as well Items that XXXX XXXX XXXX XXXX XXXX # XXXX Name mispelled Telephone numbers removed XXXX XXXX XXXX Promotional inquiries shared info without consent I never did business with any of those companies XXXX XXXX XXXX account
Product: Credit reporting or other personal consumer reports

I do not recognize these inquires & have asked them to be removed but they did not do as asked.i am providing an identity theft report & I am requesting them to be removed because they are inaccurate & not mines.
Product: Checking or savings account

Credit Karma states that I have XXXX inquiries with my XXXX & XXXX with XXXX this is incorrect - They have failed to issue a debit card replacement with my actual given name & also after some investigation they are claiming that I filed taxes with them in 2021 which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is playing around with my XXXX XXXX XXXX mortgage account, with the payment history, and still did n't delete the account.
Product: Money transfer, virtual currency, or money service

I was selling pre own watch on XXXX XXXX. Buyer offer zelle through their business buyer account. But I got the email from zelle ( could be fake ) to inform me to sent XXXX to upgrade my limit zelle. I sent it and got the fake email that sent another XXXX to buyer for them to release fund. I look at the email and call zell support but I did not believe the person on the phone. He told me sent money to while he on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED PRE-ARBITRATION NOTICE BILLING ERRORS BREACH OF CONTRACT POSSIBLE TAX FRAUD FALSE AMOUNTS OWED XXXX XXXX ACTING AS A DEBT COLLECTOR MISLEADING FORMS TO COLLECT A DEBT NOT OWED REFUSAL TO SEND REQUESTED DOCUMENTS ELECTRONIC FUNDS TRANSFER AFTER CONTRACT
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXXXXXX XXXX  Laws Dear XXXX XXXX XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws specific to XXXX, XXXX 

It has unequivocally come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Missouri state law, specifically referencing identity theft and fraud statutes applicable in XXXX, XXXX, underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Request for Block and Deletion of Fraudulent Information Under XXXX XXXX XXXX Dear TransUnion, I am writing to formally request the immediate block and removal of fraudulent information on my credit report under XXXX XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ). 

The following account was added to my report without my authorization and must be removed immediately : Account Name : XXXX Account Number : XXXX The definition of a credit card under federal law is any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My consumer report functions as a credit device. The furnisher and CRA have mishandled my personal data to create or maintain this account without my explicit consent, violating my rights under the XXXX XXXX ( XXXX XXXX XXXX ). 

Additionally, the fraudulent reporting of this account meets the legal definition of fraud as defined in XXXX XXXX XXXX : A knowing misrepresentation of the truth or concealment of a material fact to induce another to act to his or her detriment. 

Enclosed are the following documents supporting my claim : A copy of my government-issued ID and proof of address. 
A copy of my FTC Identity Theft Report. 
Identification of the fraudulent information ( highlighted credit report ). 
A signed statement declaring that this information does not pertain to any transaction by me. 
Under the FCRA, you are required to block and remove this information within XXXX ( XXXX ) business days. Please confirm in writing once the fraudulent information has been deleted from my credit report. 

Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money laundary happened in Coninbase the following is what I wrote to Coinbase on XX/XX/2022 XXXX, XXXX, 2022 Coinbase Inc. 
XXXX XXXX XXXX # XXXX XXXX XXXX NY, XXXX To Whom It May Concern : Re XXXX XXXX loss due to Coinbase platform not working properly Between XX/XX/XXXX to XX/XX/XXXX of year 2022, I made 10 times wire transactions from my bank account to my Coinbase account for total {>= $1,000,000} USD. ( if transactions history during the period is needed, I can submit it. ) When the fund was wired into my Coinbase account each time, I bought USDC with US dollars. I sent USDC from Coinbase platform to another trading platform XXXX XXXX XXXX XXXX XXXX, respectively. I did 10 times transactions. 

Because that trading platform is automatically connected to Coinbase, I did not suspect any fraud at all. I made withdrawal transactions 4 times over 2 months period using Receive in Coinbase. The total received fund worth {$6300.00} USD On XX/XX/2022. I tried to receive some funds from XXXX. It never reached my Coinbase account this time. On the evening of XX/XX/2022, my account at that platform was locked. 

I trust Coinbase which is a public traded company, so I used any provided functions from Coinbase do crypto trading. The problem in Coinbase caused my huge loss, {>= $1,000,000}. 


My actions : During XX/XX/XXXX to XX/XX/XXXX, I contacted customer service at Coinbase, it did not resolve anything at all. 
On XX/XX/XXXX, I called local FBI office and was advised to file report online, XXXX, I did file the report on that day. 
On XX/XX/XXXX, I sent a complaint letter to Coinbase by certified mail. the company received it and did not get any response at all. 
On XX/XX/XXXX, I filed a complaint against Coinbase on XXXX  website with case ID. the progress for this complaint seems going no where. the coinbase would not admit any wrong doing. 
On XX/XX/XXXX, I sent complaint letters to atterney general of Michigan, US senators, US distric congressmen, got feed back from congresswoman and asked to file a complaint on this site.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15
USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A cred
itor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

*** Equifax***Inquiry details ; XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Furniture, Etc. 
XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies *** XXXX***Inquiry details XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Finance Cb XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX XXXX Agent advised me to do
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has significantly impacted my life. I am writing to dispute fraudulent accounts and information that appear on my credit. Please investigate this matter and delete the disputed items as soon as possible. I have attached an FTC report, my passport, social security card, and bank statement. Fraud Account XXXX XXXX, XXXX. Fraud account XXXX, ( XXXX XXXX XXXX ). Fraud addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed violate my privacy rights. I did not consent nor authorize for the accounts to be reported on my credit reports. 

Account XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

My issue is with American Credit Acceptance i puchase the car. XXXX XXXX XXXX from XXXX XXXX in. XX/XX/XXXX. The car was in the shop the first week i thought it would be fine but after that it was in the shop at least 5 times the first year it was a lemon car and they knew that i aksed them to drop some of that high insterst and payment so i can pay it off i surrendered. the car in XXXX soon as it passed inspection the DMV said its worth XXXX Dollars its still sittng in the mechanic shop for months they still billing me and messing with my credit instead of getting thr car fix and selling it i have paid them over XXXX dollars and they can sell that car and get the rest of they money cause they still saying i owe XXXX after paying all them payments and that money. they are crooks and they better work something out with that mechanic. that storage fee and get they lemon car cause they not going to get one dime from me im through with that car and them let them bother XXXX. thats who they bought the lemon from
Product: Credit card

My XXXX score is XXXX. I attempted to secure an XXXX  XXXX XXXX card from Bank of America three times. Every time their customer service people told me the card would be delivered to the address I specified. It never was. So, six weeks ago I told them to cancel the card and refund my {$95.00}. Once again, they did not do it. After being on hold for over 3 hours, they finally told me it would be done two weeks ago. It still wasnt done, so I promised to file a complaint with the CFPB. They still did not refund my money. This is a predatory and dysfunctional bank that should be sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report and kindly request your assistance in getting them removed. The incorrect information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached supporting documents for your reference, including correspondence with the credit reporting agency, payment and any other relevant evidence that substantiates my claim. I believe these documents will demonstrate the errors made by the credit reporting agency and support my request for the removal of the disputed items from my credit report and these are the following items needs to be removed : XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$90.00} ; XXXX XXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$290.00} ; XX/XX/XXXX XXXX Balance : {$610.00} ; XX/XX/XXXX XXXX Balance : {$550.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX ) XXXXBalance : {$330.00} ; XX/XX/XXXX XXXX XXXX Balance : {$450.00} ; XX/XX/XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$680.00} ; XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.