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

I received a letter from XXXX XXXX XXXX a collection agency on the behalf of Capital One Auto Finance to settle the account of a voluntary repossession in the amount of {$1700.00} I called XXXX XXXX XXXX  I spoke with a Representative name XXXX she confirmed the settlement amount for {$1700.00}. After I paid {$1700.00} the amount that Capital One Auto Finance requested to settle the account. I was given a letter of release from XXXX XXXX   XXXX  on the behalf of Capital One Auto Finance settling the account. To update my Credit Report I forwarded to XXXX, XXXX XXXX, and XXXX  a page of my bank statement showing payment, Driver License as proof of identity, proof of address from my car insurance, a copy of the letter from XXXX XXXX XXXX asking for a settlement of {$1700.00} and proof from XXXX XXXX XXXX  showing the account was settled with Capital One Auto Finance. XXXX, XXXX XXXX and XXXX  sent proof over to Capital One Auto to update my record. Capital One Auto did not update my account as paid or settled. On XXXX XX/XX/2020 my credit reports where updated by Capital One Auto with a new balance of {$4000.00} the account status also shows Charge Off XXXX written off. and account past due as of XXXX XXXX.
Product: Debt collection

I have sent this company letters after letters dating ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX in the amount of {$580.00}. I have called XXXX XXXX spoke to XXXX XXXX  in Disputes XXXX to cease and dismiss this due to the arbitration clause from Citibank. Also continued to ask XXXX XXXX for the Purchase Agreement. They have continued to pass this account around to several different companies giving out my personal information WITHOUT MY CONSENT or SIGNATURE. They continue to send me the same thing over and over and NOT WHAT I ASKED FOR. Between phone calls and written letters they have yet to provide me any information. I need this to stop and tell them to send me exactly what I have been asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report through XXXX XXXX XXXX back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX   doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times both XXXX & writing that the delinquent payments during 2020 with XXXX XXXX XXXX were made under the 2020 " COVID CARES ACT '' and accommodations were granted. 
TransUnion refuses to correct the payment history correctly and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020! 

In 2020 I worked monthly with XXXX XXXX to make ACCOMMODATIONS for payments under the " COVID Cares Act ''. As stated directly in the COVID " CARES ACT OF 2020 '' ( beginning XXXX ) : Quote : Lenders will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as Required by the CARES ACT. Such payment accommodations will AVOID the REPORTING of DELINQUENCIES resulting from the effects of XXXX. 

I have disputed this with TransUnion many times and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020 on my Chase Auto Finance Account! 
This is XXXX and XXXX. 
If a correction is not made IMMEDIATELY I will be forced to seek LEGAL ACTION and recovery of FEES for damages. 

I have been a loyal customer and have XXXX payments left on this account. 
XXXX XXXX has agreed to remove these late/derogatory payments & has sent notice to all XXXX credit bureaus without correction to my file. 
I have even contacted the 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 
Still, TransUnion refuses to remove these negative/late payment remarks for 2020.
Product: Credit reporting or other personal consumer reports

Fraudulent, and unauthorized hard inquiry dated XXXX, needs to be removed and reported back to the credit bureaus for removal from my credit report. I do not recognize any application done with XXXX XXXX XXXX and its is a case of identify theft.
Product: Credit card or prepaid card

I used XXXX to got to a basketball game and ever since then I have been charge XXXX a month I called them on several occasions and they hung up I told them I did not authorize the money they are taking from my account I have my own car I use it only when convenient. Maybe one a year no other need to use it like I said I have a car. I called my card company Chime regarding the issue. I was told since I used the card to pay for the XXXX there's nothing they can do.I have never heard of anything like this I just want them to stop charging me for whatever they are charging me fir the past 4-5 months. I have called both chime and uber with no help.
Product: Credit card

On XX/XX/2024 I wanted to apply for a Lowe 's store credit card. I used their prequalify tool to check whether or not I would be qualified for anything. Their prequalify took is located here ( https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) Upon entering my personal information including my phone, address, email, SSN, Lowe 's prequalify tool which is managed by Synchrony Bank showed that I was pre-approved for their Consumer MyRewards call with a starting limit of of {$1000.00}. However I did not accept at this time. 

The next day ( XX/XX/2024 ), i went back to Lowe 's website and proceeded with the application process because I know that I had received a pre-approval the day before. I went through the application process and Synchrony Bank pulled my XXXX report ( shown as a hard inquiry ). To my surprise, Synchrony Bank/Lowes decided to deny my application. This is unacceptable business practice to be leading me as a consumer on, to apply for their store card yet ended up denying my application. Also it resulted in a hard inquiry which lowered my credit score. This is unacceptable. I called into Synchrony Bank/Lowes credit card time and spoke to many agents as well as " XXXX - XXXX '' who refused to help me. They acted like it was my fault that I got denied! I was not going to apply but Lowes/Synchrony presented me with misleading and deceptive information. I ask that CFPB seek maximum punitive damages on my behalf for being mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick ad tired of Capital One and XXXX XXXX XXXX attacking me on a fraudulent account that doesn't belong to me. Why are these companies are able to get away with strongarm robbery? They will not do a debt validation and justify a senseless criminally collection practice. It is illegal and unjust. They are very aware that I am attempting to get a V. A. mortgage and using thuggish tactics against me. Forget about I am a Veteran and a XXXX XXXX XXXX XXXX  since they are trying to collect a DEBT doesn't belong to me. I will NEVER pay a debt that doesn't belong to me. I am asking CFPB to file a suit against both companies.
Product: Debt collection

On XXXX, XXXX I entered in a consumer credit transaction with Credit Acceptance, in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges. I was not expecting a bill this bill is a violation of 15 USC 1692b.
Product: Credit card or prepaid card

I continue to receive calls from this lender unknown identity. By nature of  Fair Debt C ollection s Act t hey are to identify who they are and provide full name and reason for the call. I do NOT answer these unknown calls but block and report them to the  Nat Do  Not Call registry and  Block t hem. I spoke to  XXXX  alleged Manager in Collections who did not offer to reverse the fees. They press for advanced payment even though I offered to make a post dated. Finally when I asked for a manager he agreed.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

[ Friday, XX/XX/2024 ] I have been informed by my mortgage broker that my credit report is mixed up with someone else, and the reference numbers are XXXX XXXX and XXXX XXXX. I have no liabilities, but the mixed-up credit report shows many. 

[ Saturday, XX/XX/2024 ] I had a call with Equifax support and submitted the dispute form online as instructed, including the necessary documents. Afterward, I received a confirmation email with ticket number # XXXX. 

[ Thursday, XX/XX/2024 ] I received an email from Equifax stating that I need to submit a new dispute form with the necessary documents : '2 valid government-issued IDs, 1 proof of address, and optionally, SIN. ' Although I had already provided the documents, I re-submitted a new dispute form with the documents and received a new ticket number # XXXX. 

[ Thursday, XX/XX/2024 ] To check if I could view my credit score and report via the Equifax homepage, I created my Equifax account and logged in. I was able to view my credit report, which contained accurate information ( with no mix-up ). However, the problem is that the credit report does not include my credit score. Additionally, I keep encountering the error message 'We are temporarily unable to complete this request ' whenever I attempt to view my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Product: Debt collection

I am a victim of Identity theft, as soon as I was notified of this I immediately informed the FTC as well as all XXXX major credit bereau 's and any corresponding debt collectors or agencies. I initiated several disputes in compliance with federal law. My disputes were granted and the fraudulent info was removed from all XXXX of my credit files. As of XXXX/XXXX/2015 I was given notice by letter from the reporting agencies stating that after a thorough investigation my disputes will be honored and this fraudulent information will forever be removed from my credit file. The false info affecting my credit file is XXXX XXXX. This fraudulent info has now reappeared on my XXXX credit report again and displays even more fraudulent info that is inconsistent with the initial claim : I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, 2015 Collection Agency I C SYSTEM Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2015 Closed Date -- Responsibility Individual Balance {$230.00} High Balance {$230.00} Remarks Placed for collection
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why the XXXX Im submitting a complaint for the fifth time. These companies are on some XXXX  XXXX until you file a complaint with the courts.I have called this credit reporting agency about reporting this account issue in XXXX, They told me they don't go by the FCRA and they have to do their own investigation. I think that is XXXX! I am a " CONSUMER '' and they are just a reporting agency. the laws were set in place to protect me and my information. They sent me a XXXX  XXXX letter saying " they verified the information as mine!!!. They are clearly violating the law. They gave a weak excuse to weasel their way out of following the law or replying to me with the real information. Im not going to keep playing games and I will have to file court papers and get paid for these violations and the stress it is causing me everyday. I shouldn't have to write these complaint letters about a collection agency reporting adverse information on my consumer report.. Yes it me XXXX XXXX Experian and XXXX AND XXXX. don't try to XXXX  XXXX your way out and send a letter saying we don't know if this is you. yes XXXX last four of my social is XXXX. Delete the XXXX negative item you are reporting. Or should I spell it out ... {$1000.00} dollars for each violation. according to the FCRA. or does you company follow those laws.You couldn't!! 
Read number ( 5 ) As a matter of fact read ALL of the following... 15 USC 1681c : Requirements relating to information contained in consumer reports1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I did not give you written permission to publish this information on my report. No one nor did I give you the legal authority, you just assumed it.

So.. address the issue and delete the adverse information and don't tell people when they call in you do it your way, no you should do it according to the laws that are set in place.
Product: Debt collection

In XXXX of XXXX, as well as XX/XX/XXXX, I received two phone calls from a place called XXXX XXXX XXXX. The first phone call was made to my cell phone number of XXXX, which came up private number and they were asking for someone by the name of XXXX XXXX, XXXX, or XXXX. On the first phone call, I attempted to send a certified letter to the address that I had on hand through the XXXX XXXX XXXX And the letter was sent back to me returned to sender no such address. The address that I was given is listed here below : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Did XXXX this address, and the information I found on it through XXXX search earth view in particular, showed it to be a residence. 

The second phone call was now given to my landline on XX/XX/XXXX of this year, at XXXXXXXX XXXX and the phone number came up as the number below. 
( XXXX ) XXXX. 

I decided to call the number, and a gentleman who identified himself as XXXX XXXX, said that he was with XXXX XXXX XXXX, and claimed that I had an outstanding credit card bill, through someplace called Providian Chase Visa. He said that this credit card was from XXXX to XXXX, and I found that rather suspicious. I say this, because not only do I not recall having an account through Chase or Providian Chase, but any credit cards that I had during that time, to my knowledge have been taken care of and paid in full. Also, according to state law, and my attorney who specializes in this area, whatever alleged debt this is, is well past the statute of limitations, so therefore it's invalid. 
I asked XXXX XXXX some information, including starting with their physical address, and he immediately became very belligerent with me. He stated, " I don't have to give you anything! ", and when I told him otherwise, he said on what grounds, because I told him legally, he was required to, and I stated according to the Fair Debt Collection Practices Act. This of course ended the phone call. 

I want to state, that I have also obtained a copy of my credit report through XXXX and nowhere in there is there anything of this place. I have thoroughly checked all of my credit history, through necessary avenues, especially through the organization named above, and there is nothing in there of an outstanding anything with this company. As I stated, to the best of my knowledge, whatever credit cards I had during this alleged time. Have been paid in full. Also again, the statute of limitations states that this is invalid. 
These people are very shady, and deceitful, and if not stop they're going to deceive a lot of unsuspecting gullible people, who are falsely led to believe that they have an outstanding debt that they don't, and that's going to be very damaging to them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hey I had fraudulent account such as this bankruptcy reporting. I sent in reports for this matter and its been 30 days and no results. By law in 30 days you have to remove these items.
Product: Money transfer, virtual currency, or money service

Coinbase is a scam. They do not respond or answer the phone. 

I accidentally flagged my account as compromised and there is no way to reach the company via phone, online ticket or email. They do NOT respond to anything. They will happily take your money and lock you out of your account, never to get back in, thus keeping your money.
Product: Mortgage

My Name is XXXX XXXX, and I have been trying to get a loan modification plan with Union Bank. My wife XXXX XXXX lost her job back before XX/XX/XXXX, and we were unable to pay. Right then we kept in close contact with the lender Union Bank for a loan modification to catch up on our payments. Right from that point we were told they could not accept our income and we could not understand why. Fast forward to XXXX we re applied again sending all the proper documentation they needed to get our file done in a timely manner, even taking time off my work to send faxes and gather the documents. 
XXXX XXXX the Underwriter over my file spoke to me since the other representatives were unable to give us an answer as to why we are being decriminiated against on our income. XXXX XXXX then went forward and stated to resend documentation of income during the Covid19 pandemic, and we did so. A few weeks later again they descriminiated against my income since I work both in the state of XXXX, and XXXX. She stated that the income willnot be accepted. We do not know why this income is nit acceptable when the income is valid. My wife started a new job and also presented her income offer letter and this was still not accepted. XXXX XXXX keeps stating we do not live in the home, in which we do live there. I work in and out of the state and own NO OTHER PROPERTIES. We love our home and we live in our home, and we just need assistance with getting a loan modification to save our home. XXXX XXXX told us that our home will go to foreclosure XX/XX/XXXX. We sent XXXX XXXX a full breakdown on the funds we have to come in with to start the process and still she denied us based on the fact I work both in and out of XXXX. This is desparate treatment and overt descrimination against my income, and I need help. Please Help us we want to save our home.
Product: Debt collection

XX/XX/XXXX received a phone call from XXXX a representative named XXXX spoke requesting to speak with XXXX XXXX XXXX 

On XX/XX/XXXX Revco wrote a letter stating they would cease all further collection activity on the account. Yet here they are calling again.