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

in accordance with the fair credit report act this creditor, XXXX XXXX XXXX XXXX XXXX XXXX  under 15 usc1 secton 602 states I have the right to privacy 15 usc1681 secton 604a section 2 also states that consumer agency can't furnish an account without my written instructions, under 15 usc 1666b creditor may not treat a payment on a credit card account under on open consumer credit late for any purpose. 

for the XXXX XXXX XXXX, I responded to a lawsuit, and they could not provide the information, it needs to be removed from my credit reportXXXX XXXX needs to remove cause limitations has been 7 years
Product: Debt collection

Received a letter from Credit Collection Services stating they are trying to collect a debt that I owe to XXXX XXXX in the amount of {$1600.00}. I never opened an account with XXXX XXXX. The only account I have is for internet services. My cellular phone service that I have is with XXXX XXXX XXXX and has been for the last 15+ years. I filed a report with the FTC for identity theft and I am in the process of placing a freeze on my credit with all 3 credit bureaus. I am waiting for a return call from XXXX XXXX so that I may gather additional information as it relates to this fraudulent account that has been opened in my name. I am currently reviewing my credit reports from all 3 credit bureaus to identify any other possible fraudulent behavior. 

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX www.ccspayment.com Reference XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX Md XXXXMy loan turned from XXXX XXXX to XXXX. I had a deferment until XX/XX/XXXX with XXXX XXXX. I received a letter from XXXX stating my loan was delinquent XX/XX/XXXX. XXXX representative said they would do a retroactive forbearance. In XX/XX/XXXX I called XXXX again because it was still reporting late. XXXX then gave a retroactive forbearance from XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Some one pull hard credit inquiry on my credit file without any authorization. I has contacted 3 credit companies requesting to put faulty alter and requesting to remove the hard inquiry information. Thank you
Product: Credit reporting or other personal consumer reports

Equifax will not remove unauthorized Hard Inquiries listed below : Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Equifax and they would not remove the unauthorized Inquiries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credt Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 602 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Debt collection

I had two accounts approximately 14 years ago by 2 different companies. They are off of my credit report and have been for quite a while now. I received 2 notices from midland credit management attempting to collect these very old, out of statute debts. My wife called because the letters are also in violation of the FDCPA as there is no disclaimer stating due to the age of the debt they can not sue, and there are also false representations in the letter as it's asking for payment but gives no information on how to dispute said debt. I have never made any payments on these debts since they went delinquent over a decade ago and when I asked for proof, the rep on the phone stated she didn't have that evidence. All she said was the statute isn't up until XXXX, but these accounts were opened circa XXXX and XXXX and went delinquent within the same year. I have not heard from anyone trying to collect for these debts in over a decade.
Product: Credit card or prepaid card

I have a Amazon Credit card from Synchrony bank and last week I checked my account and I was surprised to see a one time {$990.00} charge from the credit card company on top of the regular interest I have been charged on a monthly basis. I called the bank and was told the first time by the person on the phone that she was going to escalate the issue and have the fees refunded to my account. I was never aware of a promotion that was going to charge me that much interest at the end of 12 months neither did I received a reminder about getting charged that much money on interest due to s promotion who is about to expire. I purchased my products on Amazon and selected my Amazon card at the end of the checkout process, however I wasn't aware of something like that. This is unprofessional and I feel like I have been scammed. I called again today the bank trying to speak to someone and their agents were rude and unwilling to help. I'm filing a complaint here, however if I don't hear back from the bank or Amazon, I will file a lawsuit against the bank for malpractice and overcharging my account. I will not let this go and I'm not agreeing on paying for this ridiculous high interest fee. This is outrageous and unbelievable. Banks can just charge you fees and interest like that without giving you a warning. Who is going to protect us. Why Synchrony bank never send me a email, letter or any communication regarding a promotion I signed off which I was never aware. Why I was never aware of the promotion from the start to the end especially if I was going to be charged a ridiculous amount. When did Synchrony bank send me any notifications regarding this promotion and the charges I was going to get? I will definitely file a lawsuit and use any means necessary to tell my story and get the charges reversed back. 

I have now an additional {$990.00} on my credit card balance and stuck with paying for that. 

Thank you
Product: Money transfer, virtual currency, or money service

Coinbase have a very, very clear ( I will attach screenshots ) point where it says " Fee : {$0.00} '', however they still charge an INSANE fee : for me each such transaction ( converting from one cryptocurrency to another ) was approximately 5.5 % of my total balance, meaning that after 7 " fee free '' transactions I ended up losing around 40 % of my entire portfolio.

Attached are three images : my balance BEFORE the transaction, the FEE they say they won't charge ( clearly states : Fee {$0.00} ) and my balance RIGHT AFTER the transaction, showing {$6000.00} less. This happened several times. 

My ticket number with them is # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit  score  Remains + 'icon ' Remains XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit  score  XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit  score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges.
Product: Credit reporting or other personal consumer reports

XXXX Someone tried to open a credit acc without my permission XXXX Someone tried to open a credit acc without my permission Global lending services Someone tried to open about 5 loans without my permission Ally financial Someone tried to open about 5 loans without my permission XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX I have more then one inquiry from them XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX XXXX down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get one and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXXXXXX XXXX lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXXXXXX XXXX XXXX which is also my bank did the same thing mislead information to me
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 : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 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

XXXX XXXX Keeps sending me to collections for a bill that is not owed I had a prepaid account so I paid I advance for services and upfront I have no contract with XXXX XXXX XXXX and XXXX  both took the collection off and now XXXX XXXX  sold it to another 3rd party company and now it is back on my XXXX credit report with a different collection then before Company called focus receivables management XXXX XXXX should be in trouble hirting peoples credit for bills that are not owed to them my credit score went down 75 points for a bill I do not owe XXXX should now be allowed to do business that way
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 {$840.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$97.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no valid claim, no contracts exist ... accounts were settled with original creditors and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit card

I was drugged and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My Discover credit card was cancelled with the previous credit limit {$18000.00} with no balance present. I escalated and so far no one will do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, never had a late payment, customer of XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX  XXXX has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all XXXX credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX  XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.
Product: Debt collection

Please find the attached letter sent to Sequoia Financial. They have no claim to this alleged debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 4 days I have had issues getting information off my credit from Equifax. I have verified my full name, social, address, date of birth and issues related to me. I have had to be on the phone over 30 minutes. I have faxed information including my driver lic and social to equifax. to remove error off my credit. to no prevail I am repreatedly told I have to fax the same documents over and over.
Product: Credit card or prepaid card

I've attached a screenshot from a text I received claiming to be from XXXX and Synchrony Bank. I clicked on the link, and it took me to a page that looked like the XXXX your bill without logging in website. However, the first thing the page asked for was my Bank XXXX XXXX and Account XXXX. I stopped and closed the website. 
The link that is in the text XXXX XXXX XXXX  XXXX I tried typing the link in my address bar and got a message that it had expired and to call customer service, but if I go back to the text and click, it takes me to the page asking for my banking information. 
I might be wrong but this smells fishy. 
Hope this helps. 
XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2019 a letter from Nissan Corporation was sent to me for a past due balance of {$820.00}. I called them on XX/XX/2019 and an agent told me to pay {$150.00} to stop repossession, so I did that day. The following week of XX/XX/2019 I made a payment of {$650.00} towards the past due balance. Then another payment of {$420.00}, in which they told me I was caught up on my payments. Then on XX/XX/2019, made a payment of {$400.00} to try to keep my account current. The only payments I've missed were XXXX and XX/XX/2019. And were making partial payments due to employment issues. Now they're saying that I'm {$2000.00} behind once again! I've written to the FTC and to corporate about this problem. Lately they've been threatening to repossess the vehicle and harassing me through email for monies so called owed. All this after I've written a letter to them clearly asking them to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( s ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax 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 an account without my written instructions.
Product: Prepaid card

It is impossible to access information to ascertain my balance on this card or the transactions that were recorded against the card. 

Information is supposed to be available by phone or on the Web site prepaid.citi.com. However, I am locked out of the Web site with no information on who to contact for support and the phone number provided on the back of the card for support is an automated system that will not respond to my card number and provides no option to actually speak to a human. 

Citi has obviously set this up to make it extremely dificult to utilize the prepaid card and track the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in dispute letters to XXXX, XXXX, and Trans Union for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.
Product: Student loan

On XXXX XX/XX/2022, I submitted a concern about a refund of any unearned portion of interest charge to XXXX XXXX XXXX the CFPB. The initial letter is below. The company responded that the account didn't belong to them ; however, they have serviced my profile and the information was taken from my consumer report. I received confirmation from XXXX that NelNet has the proceeds concerning my complaint. I am attaching the reply from XXXX and is demanding Nelnet to release ALL unearned interest to XXXX XXXX XXXX. NelNet lied and is very unacceptable. 

NELNET XXXX XXXX XXXX XXXX, XXXX XXXX Re : Refund of unearned interest on Account XXXX XXXX XXXX XXXX To Whom It May Concern, It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied first to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. Upon receiving this written request, before the end of the 5 day period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. I am aware that the written statement is required considering that I am have made this request in writing. It is noted that I, the consumer, shall be entitled to 1 free annual statement each year without charge. XXXX XXXX XXXX, XXXX Without Recourse
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts below : Account name : XXXX XXXX Account Number : XXXX I dont have the full account number but this is whats showing on my credit report. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I had requested a misconduct discharge application and was sent a vague denial letter with no specific information to why I did not qualify since I attended a predatory school who scammed thousands of student and I am part of a class action suit and my federal loans has all been dismissed due to my school being one of the fraudulent school
Product: Credit reporting or other personal consumer reports

The company did not verify any debt or show permissible purpose for the hard inquiries.