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

I received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. XXXX was for XXXX with an approval for XXXX XXXX XXXX. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took XXXX XXXX to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # 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 card

I have sent numerous hardship letters to XXXX XXXX I did get a response saying that they would take off the interest fees if I made a payment. In which I appreciate that, but unfortunately, i'm in a complete hardship at the moment. I'm still getting numerous calls and being harassed. I want someone to actually read my hardship Letter and respond. 
I have two credit cards with XXXX
Product: Debt collection

Progressive Management Systems has contacted me numerous times in a day, often using threatening language and insisting I secure additional credit to pay the debt that is " owed '' to them. I have not been able to verify the original debt from the creditor- as I was making payments to the original creditor directly. Additionally the balance that I would be responsible for and have agreed to is solely the balance for services rendered. Progressive Management Systems is insisting I also pay them an additional interest of 8 % - which was never once agreed upon nor was there a contract signed that stated this agreement. Additionally there have been threats to my credit report and been told on numerous occasions from Progressive Management that unless the balance is paid in full ( including the interest rate that was never agreed upon ) this will not be removed from my credit. Their practices are illegal inappropriate and they are using false and misleading information to collect their debt.
Product: Debt collection

I have disputed these charges numerous times & no validation with my signature has been provided. 
After viewing a copy of my credit report, I noticed a collection account placed on my credit from Gold key INC in for {$210.00} & {$53.00}. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.

This company only sent me a letter saying it was validated by the creditor does not show where I signed for anything nor any kind of proof or validation. I have disputed this debt numerous times. I have no knowledge of these charges nor do I have a contract with gold key. No validation has been provided to me.
Product: Mortgage

i have escrow, mortgage company not paid my due taxes for XXXX  year, after contacting them over XXXX  times they paid for XXXX not XXXX and charged me all the penalties and late fees that was billed by the city. due this matter my payments went up from {$3600.00} to XXXX i can no longer effort this we also got sued by the city for non paid taxes. and now i have to sell this home because this matter that was not solved by the mortgage company over a year. mortgage company said they where investigating it but its been over a year and i paid almost XXXX more then what i had to.
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments XXXX is the policy of the Congress that each financial institution allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FROM MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Debt collection

Wells Fargo Bank auto loan seized all money in my bank account in 2016 after agreeing to accept payments, then still seized the car, claimed charge off and collections on my credit report. Now they are listing charge offs monthly and repossession two months in a row because I disputed their information. They are intentionally negatively impacting my credit report. This account should have been closed and settled in 2016 when they took the car, my bank account funds and payment, but they renew negative information on credit report monthly. I am an XXXX XXXX  senior citizen, and feel targeted, harassed and discriminated against by Wells Fargo Auto Loan co.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law XXXX ), Title VI, Section 611, Subsection XXXX, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 
Account name : XXXX Account XXXX
Product: Credit card or prepaid card

Beginning of this month my Walmart account was sold to Capital one The payment is due XXXX of every month. I always log on to see what amount is due so I can be sure I am paying the correct amount. 
I tried to XXXX XXXX and could not get log in! Capital on was no prepared for the transition. 

So I just paid what I did for last month. I was instructed to go to URL WALMART.CAPITALONE.COM. I tried this a got a series of pages and still could NOT get to my account. So I called them and NO help. 

I need online access so I can view my account and statements and make payments This is important in order to keep my account up-to-date To date I have not received a statement nor receipt for my last payment on XX/XX/19 of {$130.00}. 

Everyone in customer service is very difficult to communicate with the just DON'T UNDERSTAND I just basically want access to my account. I am being treated as though it is NOT MY ACCOUNT. 
I know Capital One has had problems with CYBER ATTACKS but DON'T BLOCK ME FROM MY OWN ACCOUNT. I am attaching a copy of the screen I get and can't get online to my account.
Product: Money transfer, virtual currency, or money service

Over the last 3 years with the company it has repeatedly and on purpose halted trading and or transfers during specific time periods that correlate directly with peak sales and buy times. When this tactic fails they shut off their 2FA system to prevent movement of assets thru " security '' risk prevention and lie about their being someone working on it. This all can be proven with an outage report that they should be providing to their customers but are not and do not provide that information publicly. Its well known that Coinbase does this and all the customers it has have lost millions of dollars in trades. Today XX/XX/2021, I attempted to start the process of moving my assets off their horrible site to a more secure and profitable wallet app. Coinbase refused to send me my 2FA code that allows me to make transactions. I currently have nearly over XXXX of a XXXX dollars on the site that they are essentially denying me access to. Their support team is in XXXX and only does regurgitation of scripts from their own support website that provides no help at all what so ever. They don't even know their own company structure or what they are even involved in. The CEO himself has been made aware of this issue and has not issued statements nor done anything proactive to fix this huge issue but instead is trying to go public with is company. XXXX XXXX doesn't deserve nor should he legally be allowed to go public with Coinbase until he can provide a fundamentally stable application that doesn't steal from customers thru market manipulation. It needs to be legal for customers to sue them for loses today.
Product: Credit reporting

I had my credit rating go way up several years ago so I bought a home for the first time, six years ago. Was late a couple of times on the mortgage about five years ago but not late on anything else since that time, and have paid off several credit cards to zero balance and paid off a {$5000.00} loan all within the past month. My credit was pulled two weeks ago and was close to XXXX, then it was pulled again and was XXXX. I was shocked. Last spring I tried to buy an R/V and the salesman pulled my credit many times -- without my permission -- and it hurt my credit, too. I am seeking to find out why my credit was brought down so low in such a short time. It 's unacceptable, and I will write to my congressman, congresswoman, FTC chairman, whomever, until this situation is fixed. My credit should by all rights be above XXXX right now. I am tired of being pulled down by the credit bureaus when I pay everything on time, and have for several years.
Product: Credit reporting or other personal consumer reports

I had a hearing XX/XX/year> with XXXX  XXXX and they agreed to close and discontinued. Midland credit management now has the debt and they've provided the information stating the statue of limitations has expired. 

They can't sue or continue to collect. This matter has been close and discontinued by the original creditor XX/XX/year>. 

I've reached out to XXXX  and XXXX to research this matter because this not being handle correctly. Midland credit management shows on my credit as a collection and it's affecting my credit.
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 XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX have 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 an account without my written instructions
Product: Checking or savings account

WF debit card worn and chip only reading intermittently with use. Ordered a new card. WF sent with no tracking. XXXX weeks later customer still waiting for card. Called customer service and told there is no way to track the shipped card so all cards associated with the account will be turned off. Shipping of new replacement card could take 7 days. No option to obtain a temporary card from local branch. Requested expedited delivery ; WF reports they can rush deliver in 3 days but it would require signature during the day. Customer works XXXX overnight shift. Requested reasonable accommodation such as showing ID at local branch to get a card that allows access to funds. No solution offered by WF. Funds in account are now held captive for up to 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} Opened : XXXX XXXX  15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

ACCOUNT NAME : NAVY FCU ACCOUNT NUMBER:XXXX ACCOUNT NAME : NAVY FCU ACCOUNT NUMBER:XXXX
Product: Debt collection

Received a letter on XX/XX/XXXX stating that I owe {$2600.00} to the GA Dept of Revenue. Called Professional Recovery Consultants, they asked for the last 4 of my SS # and my DOB. This debt was paid in XX/XX/XXXX and doesnt show on my credit report. Why would the GA Dept of Revenue use a company not accredited with XXXX?
Product: Credit reporting or other personal consumer reports

Between XXXX I originated two accounts with XXXX XXXX XXXX XXXX XXXX A personal loan and a credit card which was opened separately. Overtime, either one or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past 7-8 years, I havent had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and credit score by continuing to report old and unverified information.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with 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 my 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 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 creditor 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. 
Experian 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

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Dear CFPB : I would like to thank your office for the swift response to my initial inquiry concerning the XXXX major credit bureaus and their validation methods. I would firstly like to thank this agencies fight for consumer financial protection, and credit accountability. 

I contacted XXXX, XXXX, and EXP. via phone and certified mail requesting the removal of a fraudulent Tax Liens, incurred by my ex-husband he filed taxes under my name as a married couple long after we had been divorced. 
The XXXX granted me INNOCENT SPOUSE RELIEF, SEPRERATION OF LIABILITYI sent the attached docs. To each bureau and gave them the 30 days allotted by the FCRA and FDCPA it has been over 60 days and they have not responded, which is a violation of my civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an email informing me that my credit score had changed because of an account with XXXX XXXX I have never had a XXXX XXXX  account so I went to a local XXXX. They could not help me because they said this was my account. I was in contact with a bank representative in the legal department who said the information was accurate so no changes were made. After months of that I wrote a letter asking for information used to open the account. Finally in the end of XXXX I received a reply by mail ( letter ) saying in other words the account was not mine. Please remove the information about this account from my credit report including a previous address that does not belong to me.
Product: Credit card

Attempted to apply online for an XXXX Visa Signature Card after receiving an offer through the mail for an XXXX Visa Signature Card with a XXXX Mileage Plan sign-up bonus. I searched online and found the same offer but with a {$100.00} statement credit. I applied and was notified that I was approved. However, in the fine print, it stated that since I was actually approved with only a {$2000.00} credit limit this would mean that I would receive a Platinum Plus account. NOT the card that I applied for and this card does not offer the signup bonus that prompted my application. 

I called their customer support number and they said that they could request for my credit line to be increased to {$5000.00} and then switch my card to the Signature Card but even if they did so I would not be able to receive the advertised XXXX sign up offer because it has to be approved at {$5000.00} initially in order to receive the bonus. I feel that this is a blatant Bait and Switch scheme. 

I then decided to apply a second time but this time using the credit card offer that I received in the mail ( also for XXXX bonus miles ). Again, I was approved by only for {$2000.00} worth of credit. I called their customer support number again and they said that they could merge the XXXX {$2000.00} accounts and then I would have XXXX {$4000.00}. At that point, they could seek an increase of an additional {$1000.00} to get me to a Visa Signature Card and request to honor the XXXX sign up bonus. After remaining on hold for some time, the agent said that they had canceled XXXX of the {$2000.00} and I now had a {$4000.00} Platinum Plus card ( not a Visa Signature ). He then informed me that the bank 's policy did not allow a credit line increase within the first 90 days so I would still be unable to get the card that I actually applied for. Since they were not able to give me the card that I wanted, I was forced to cancel both new accounts. I was NEVER applying ( at least willingly or knowingly ) for the Platinum Plus cards. 

This negatively impacts my credit report as I now have XXXX hard pulls on my credit report and XXXX closed accounts that will now affect my average age of credit history ( XXXX accounts for no reason will bring down my average age of credit overall ). 

This is bait and switch and I have since read about many other customers who have been victim of this Bank 's scam.
Product: Credit reporting

Have a letter starting account will be removed and they have not removed or. Will attach letter.