23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

( 1 ) I did not feel comfortable with XXXX using my ( minor ) daughters name on the call. He said, well wasnt the account for her? 

( 2 ) The charges happened during the State of emergency when the entire State of California was on lock down causing school and business closures ; only essential businesses were opened ; Per the State of California all businesses were closed that were not considered essential businesses Covid 19 XXXX  : XXXX ( 3 ) I continued to pay XXXX XXXX XXXX on time during the entire lockdown until my debit card was compromised and replaced by my banking institution XX/XX/2020 even though they were closed. 

( 4 ) My daughter was not using the equipment ( it was still in good condition once I returned it ) because her school was closed and due to the entire state being shut down until further notice, I wasnt sure how to resolve things since I did not received NO communication from XXXX XXXX XXXX  until the payment was needed in XX/XX/2020. 

( 5 ) XXXX XXXX XXXX have no records of me communicating with them and/or made no effort to communicate with me. 

( 6 ) When I finally got tired of disputing being reported to the credit bureaus after continuously escalating the call with corporate, I returned the equipment, updated my billing address and asked for an itemized statement of the charges from the store who referred me back to corporate. They never resolve the dispute and sent me to collections.
Product: Payday loan, title loan, or personal loan

I received an email to settle a loan I had from cash net USA for half of what I owed. The email said I could make payments if I couldnt pay the full amount. I called and offered them XXXX today and the rest on XX/XX/XXXX. They agreed and setup the payment for XXXX for today and the next payment on the XXXX. 

They took both payments out of my account today without my permission. They stole it from me. 

They are also operating in violation of Virginia state law because I have two payday loans at once.
Product: Debt collection

I was a tenant of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in good standing - clean record in paying my rent on time and gave proper notice when I moved out & didnt renew my lease. Approximately 3-4 weeks after I moved out on XX/XX/year>, I received an invoice of extorted move out charges of {$800.00} and in following up to understand what and where these charges were coming from, I was ghosted by the management team after multiple reach out attempts. In reading the propertys reviews, it seemed I wasnt alone in never being able to hear back from management, let alone ever have someone from the leasing office ever pick up the phone or speak to me about my concerns. After constant follow up & persistence, MONTHS LATER ( XX/XX/year> ) I was able to get on a call with the Senior Property Manager of the complex to discuss these random charges. On our call, the XXXX agreed to remove all the charges and send an email to confirm receipt of this, which I never received. Additionally, the XXXX ensured me she would be notifying the XXXX billing team to remove the charges from my account. Then out of nowhere, I all of the sudden notice a few weeks later on my credit report that I have a collection from XXXX XXXX XXXX. Mind you, I had to just find this out by pulling my credit karma as Ive also never received any physical mail and/or email from collections on this. Also to add, I never got back my {$200.00} security deposit from the complex ( which is a whole other situation ). I would appreciate your help in getting this collection removed, as it is negatively impacting my credit score and simply unjust of this rental complex to extort me of funds as they have done by sending me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Equifax is not conducting reasonable investigations. They are reporting unfair and unverifed accounts on my credit report ; they did not provide me documentation how they verified the accuracy of these accounts and I have asked them to reinvestigate and they failed again to remove the accounts. 
These are unduly accounts. 
Account. XXXX XXXX XXXX and XXXX XXXX were not able to verify these accounts and they quickly removed them. I have provided the deletion documentation to equifax and they are still " verifying '' these unfair and unverified accounts.
Product: Credit card

Synchrony Bank is now reporting to multiple consumer credit reporting agencies in violation of Section 607 ( b ) of the Fair Credit Reporting Act. 
I filed a XXXX XXXX action on XXXX XXXX, XX/XX/XXXX in the XXXX XXXX of New York. I obtained a discharge on XXXX XXXX, XX/XX/XXXX. At the time of filing I owed a debt to Synchrony Bank. I had not missed any payments prior to filing. Upon discharge, Synchrony updated my consumer credit agency records to show late payments in XXXX XX/XX/XXXX ( after my filing date ) and entered a " charge off '' notation for each month from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. I disputed the notations as violations of both the automatic stay and the discharge order. Through XXXX disputes the bank refused to correct the information. It came to my attention when I investigated a credit score drop. 
Also attached is an FTC Advisory Opinion stating in relevant part " Section 607 ( b ) of the FCRA requires credit bureaus 'to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '. '' It goes on to state " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer FILED bankruptcy. '' Do note that the FILING date is the relevant date and NOT the discharge date. Given this, no information should be reporting after XXXX XX/XX/XXXX regardless of the accounting treatment of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXXXXXX XXXX XXXX C Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.
Product: Debt collection

Received a statement from XXXX dated XXXX/XXXX/2016 on an amount due for {$57.00} and payment made on XXXX/XXXX/2016 ( check # XXXX ) for the amount due of {$57.00}. On XXXX/XXXX/2016 received a collection notice from a company called Receivable Management Group , Inc. This company claimed that they received money from our insurance company ( XXXX ) and that we owed a debt of {$62.00} on this bill from XXXX. I owe {$0.00} to Access Radiology so I do not understand where this collection agency obtained this information. Also, if I check and this has been reported on my credit report, I will file legal action against this debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion Credit Report shows a balance of {$91.00}. They did not submit an invoice and I was unaware of the balance. When the account was brought to my attention I contacted the creditor, XXXX XXXX and paid the balance in full. The account has been closed for about 2 years.
Product: Payday loan, title loan, personal loan, or advance loan

The company Loqbox Finance wrongfully charged me a late payment in XX/XX/2023 this did not occur I have reached out to this company several times with no response, I demand that this late payment be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX, USDOE/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 an account without my written instructions.

I have never been applied for a US Education loan ; I need this account to be investigated and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Accounts # XXXX has been paid and closed since 2020 but on my report, this is still showing with lates but my record shows XXXX balance. How can this be? They should be update this account.. This inaccurate account is preventing me from getting the credit I deserve and it needs to be updated immediately! 
XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the Credit Agency to investigate the inaccuracies on my credit report and validate the information has been reported correctly.

I have investigated this information and have found improper inaccuracies on my credit report after the Credit Agency did their research. 

I have found the following discrepancies and/or inaccuracies that are being reported on my Credit report, with XXXX XXXX  Account XXXX XXXX listed below here are the discrepancies : 1 ) Status > Days late 2 ) High Balance, 3 ) Date Reported 4 ) Count of Late Payments 5 ) Date Last In accordance with the Fair Credit Reporting act and 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Credit Report XXXX, TransUnion and XXXX the account and name and amount are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were not authorized by me and should be removed. Some were deleted and reposted to credit report. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New  XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX. 
The XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX   XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXXXXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Eecu Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans XX/XX/XXXX. 
XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report and noticed I had fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me. I have no knowldege of this account. I have sent letters over and over to dispute account. 

No response
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FIFTH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$1000.00}.
Product: Debt collection

I have unauthorized and inaccurate items on my credit report. LVNV FUNDING LLC is legally furnishing my credit report. I sent a verification notice. I received no response. But, XXXX stated the collection Item is verified accurate by creditor. I sent Notice to request proof of the exact amount of debt purchased between LVNV Funding LLC and XXXX XXXXXXXX to LVNV funding DIRECTLY. I did not receive an response. A week later, The items were deleted by XXXX and XXXX. Creditor failed to provide proof of original debt contract between XXXX XXXXXXXX And LVNV FUNDING LLC. Therefore, reporting inaccurate and unverifiable information committing tax fraud and identity theft. I have copies of each Notice Ive sent to LVNV Funding LLC. I also have the copies of the notices Ive sent to The credit Consumer Agencies in general. I have yet to receive a copy of original debt contract or proof of a contract between myself and XXXX XXXX. 15 usc 1681b states facts on this matter.
Product: Money transfer, virtual currency, or money service

Hi, My complaint is with coinbase. They closed down my account without giving me any details other than suspicious activity. Ive been emailing them multiple times for the last XXXX months with no resolution. 
Today, I contacted them twice by phone. After about XXXX in hold, I was connected with a rep name XXXX, and then was disconnected when she was looking into my account with a specialist. I immediately called back and after another XXXX, was connect with XXXX. Explained to him that I was just disconnected and then Ive been emailing Coinbase for over XXXX months but have gotten nowhere. I requested to speak with a supervisor and after a few minutes of push backs, he agreed. A few mins later, XXXX got on the phone. I explained to him that I would like some help in regards to why my account is locked due to suspicious activity. His response was, thats above my pay grade. I asked if theres anybody there that could help but he said no. And started to insult me. Coinbase doesnt want your business, you can do business with other XXXX companies! He sounded very hostile and I was schocked and appalled and for a few seconds didnt know how to respond to it. I asked him his last name or employee ID but he refused to give that information. XXXX repeated again, Coinbase doesnt want your business, you can take it elsewhere. Before I could respond, he hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a dispute after noticing a fraudulent account on my credit report along with a completed FTC report to these companies. The companies advise me that they are not able to block this information from reporting on my credit report because they suspect someone else submitted this request. It was in fact me that submitted this request and according to the FCRA fraudulent accounts are suppose be removed within 4 business days of receiving notice. This company refuses to follow the law and I am being affected by their credit reporting errors.
Product: Debt collection

On XX/XX/22 I noticed a collection from this company on my credit file. i sent them a letter informing them that im am not responsible for that account and it is not mine..I requested them to delete the inaccurate information they have failed to do so. i called into the dispute center alerting them of the fraud and was told they will send affidavit but that was never sent. i have now on XX/XX/22 sent out another letter by certified mail to have this inaccurate account removed from my credit. In addition I never gave ms services llc my consent to have my personal information or authorization to report this to my credit report.
Product: Credit reporting

I have an issue with how Transunion determines my score and what information they show on the report I purchase. I pay for a monthly service and check my score to make sure it is trending positivly. I have called Transunion on two different occassions because it states on my report I have XXXX deliquinant account. But no one can tell me what that is and the report reflects all accounts as current and have been so. When I try to determine why there is such a large swing in my score, from XXXX to XXXX and the only thing that has changed is they updated an address for me. And one that had changed over 6 months ago but they are just now getting around to updating it. The address change they show for XXXX XXXX was my address for the past two years prior to XXXX XXXX. How they report information directly impacts me. Yes, I had issues relating to a seperation in XXXX but I have worked very hard to repair those items. XXXX, XXXX, and XXXX I have paid accounts off, balances down, all positive steps. However, I do not understand why them lagging in reporting accurate information impacts me so negatively. Just because they report an address change within two months, does not mean I moved twice in two months. If credit reports are going to be considered for potential job opportunities, insurance, and credit worthiness, there must be accountability for those who are tasked with those determinations. It should not be so hard to try to correct issues with their reporting when a person does not have control over how they obtain the information or when.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not being reported on my Experian & XXXX credit reports and it 's affecting my credit.
Product: Payday loan, title loan, personal loan, or advance loan

On Sunday XXXX the bank SOFI sent me a email request about a payment so I called them on Sunday, since they sent me an email on Sunday, my first question to them was why did you send something over the weekend that can be dealt with on Monday Tuesday Wednesday Thursday or Friday the answer that was given was a computer did come and I told the person on the phone the computer does what a person tells it to do. My complaint is not that you send something through email come is this that you sent some through email on a Sunday and email told me not to reply back to it and I requested to get the written ethics behind that from their company. I had a problem on the phone with two people in explaining to me why they did what they did that first person and I want the person 's license number it's XXXX And the second person 's license number I won't so they both can be reprimanded is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Either reprimand those two people Or do not send me anything over the weekend and you can tell that in whatever language you want to to that XXXX computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my accounts were properly investigated, but how is this possible if the open date is inaccurate, the date last active is inaccurate, the amounts are different. These are grounds for removal they also violated my rights under 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. 

According to the Fair Credit Reporting Act everything must be 100 % accurate. Clearly my credit report is filled with numerous inaccurate information violating my rights. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX I'm also a veteran and having this inaccurate information on my report is actually preventing me from purchasing a home.
Product: Vehicle loan or lease

I have never admitted to owing Westlake Finance over {$16000.00} because I DO NOT. I don't receive correspondences from them as I have been requesting since 2018 such as the contract proving that they do own my account and that I so call owe them the amount they claim I owe them. This account has destroyed my credit score as as a result of their poor handling with providing proof and substantial documentation. 
I have disputed this account numerous of times and the credit bureaus continues to say they have verified this account accurately which is not true and is a result of violating my rights as a consumer.
Product: Checking or savings account

On XXXX XXXX XXXX, a client deposited the amount of {$3000.00} ( USD ) into my business checking account at Suntrust Bank. When deposits are made on a business day it takes a 24 hour period normally for the funds to be available and if the bank is in the same area of the account then there normally is no hold. However, when I checked the business checking account it stated on XXXX XXXX XXXX that there would be a hold on {$2800.00} until XXXX XXXX XXXX. However when I checked the account again on XXXX XXXX XXXX, Suntrust Bank decided to place a hold on {$400.00} until XXXX XXXX XXXX and then put a hold on the remaining {$2400.00} until XXXX XXXX XXXX. When I contacted Suntrust Bank on XXXX XXXX XXXX, I spoke with a representative named XXXX and was told that these holds were not policy but at their own discretion. I informed the representative that this inconvenienced my ability to do business and that these funds should be available especially if there were no push backs from the bank in which the deposit was drawn from. Based on the representative and his management this is a system process and there was nothing they could do. I informed the representative that this was unacceptable and that their explanation was not enough.