23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Ending in XXXX In XX/XX/2020 I called XXXX XXXX  Credit card and told them I had the XXXX. They stated to me it was no problem, that my payments would not be marked late. When I went back to work the end of XXXX I called XXXX XXXX  on XX/XX/2020 and paid the account in full. On XX/XX/2020 XXXX closed the account and put it in " charged off '' off status on my credit report after paid in full. The late payments during the virus months and the charge off after payment in full has severely damage my credit. XXXX XXXX refuses to fix. This is unacceptable that a credit card company not only mireported late payments and a charge off and refuses to correct the tradeline on my reports!
Product: Credit reporting or other personal consumer reports

I am submitting to provide a follow-up on my previous complaint regarding inaccuracies in my credit reports. Within the next 15 days, I am planning to update my credit reports, and I would like to draw your attention to the FCRA section 605b, which mandates that Credit Bureaus must remove any items listed on an identity theft report. I am earnestly hoping that the Equifax Credit Bureau will, at last, remove the remaining inquiries from my credit file. The inquiries in question are as follows : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

My personal phone, and the personal phone of my son are being harassed by call centers that I'm assuming to be associated with Nelnet or XXXX. The person that they are calling and inquiring about is my son-in-law. I, nor do my son have any responsibility to this person 's debt, and all of the payments for any of my children 's debt that I have co-signed for are fully up to date. I don't understand how my son would be harassed by these tactics nor do I understand how they would associate him with my son in law without cross-referencing them through different accounts that we are associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted XXXX on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to XXXX XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX by a representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that XXXX XXXX had reported my account as Deliquent 30, 60, or 90 ... 
Now my Credit Score went from XXXX to XXXX.
Product: Debt collection

XXXX XXXX : XXXX XXXX, XXXX. 
Our Reference # : XXXX Creditor Account Ending In : XXXX Account Balance : {$100.00} I got this in an email today and theyre demanding I pay something I have no knowledge of.
Product: Mortgage

I fax a complete modification packet to Nationstar on XX/XX/XXXX. I called Nationstar yesterday for an update to make sure the under writer was not requesting for any additional documents. However ; Agent XXXX told me that my packet was denied. I told him that can not be possible because my documents were just faxed XX/XX/XXXX.
He said that my file was denied on XX/XX/XXXX I told him than my documents were not even review because it was to quick to have a decision. I explain to him my new source of income which is rental. My loan should be eligible for the Flex Modification since my investor XXXX XXXX participates. I need an explanation why my loan was not approve for the Flex Modification. based on the guidelines I should be provided an affordable payment. I honestly feel that Nationstar is just prolonging my case making me fall further behind. My intentions are to keep my home, I am an elderly man and is hard for me to move around. Please help me and provide me the assistance I am requesting. Thank you.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I invested {$200.00} into Bitcoin on Coinbase after I verified my Bank Account and Identity. Was advertised as 2-3 days before I would receive my Bitcoin, ended up being transferred into my Coinbase account on XX/XX/XXXX

During that time before the Bitcoin was credited to my account, I also added a debit/credit card to the account that required additional verification ( Address, SSN, etc. ) After I input that information, Coinbase locked me out of me account. The reason they gave is that I was under-age, except it was a false accusation because I have been of-age since XX/XX/XXXX. 

I tried to contact them multiple times a day, emailing regarding a single support ticket as well as XXXX  to them multiple times a day ( because XXXX is one of the only platforms they seem to semi-respond in ). I ended up stopping my XXXX, noticing that I was getting nowhere, and I just waited. 

My account was locked for almost 3 months, and within the first 2 weeks of the account being locked I had to stressfully watch my bitcoin turn into almost {$400.00}, which I would have turned into a different currency and gotten a few thousand for a car down payment. I took a lot of emotional damage from not having access to that money especially because they wrongfully accused me of being underage and I had to watch the money I invested lose value. 

When my account was finally unlocked, my bitcoin was worth less than the initial {$200.00} I invested, which is basically Coinbase stealing my money. Coinbase has still not responded to my emails, and only unlocked my account. It's been almost 2 weeks since my account was unlocked. I trusted the company to respond to me and to fix the issue, but they never did.

All I want is the {$400.00} worth of Bitcoin that I had. I lost thousands in profit from my account being locked when all of crypto went crazy. All I'm asking for is the {$400.00} worth of Bitcoin I once had. Currently the bitcoin in my account is worth {$190.00} which is STILL below my initial investment of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  put an offer in the account saying, " You are ALREADY approved '' for a XXXX XXXX credit card. They have already done a hard inquiry and turned me down before. They placed the " You have ALREADY approved '' offer in my account anyway. I called customer service to make sure that there is NOT going to be any hard inquiry. She confirmed that there is not going to be another hard inquiry. So, I clicked to accept the offer. In a few minutes, I received an email saying that there is a hard inquiry by XXXX. 
I am in the process of canceling all accounts with XXXX. I have also canceled the XXXXXXXX XXXX XXXX also. 

This was a deceitful act on XXXX 's part. They record and monitor the calls. 

I am requesting to please remove the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a collection from XXXX XXXX  on my credit reports. It is for XXXX XXXX Apartments. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  Credit Acceptance reported to XXXX that a closed account was opened. This account has been closed since XXXX. They are constantly misreporting facts on payment dates, account status, late status, and my signature was not on the disclosure form. Someone signed a form that wasnt me. Ive reached out to them for accuracy and they have given me a hard time. Constantly on my XXXX and XXXX they willfully and knowingly violate the CFPB and FDCP ACT. They also use XXXX XXXX to report without my consent or disclosure. Credit Acceptance have consistently harassed me through inaccurate consumer reporting Im constantly disputing. After this I will have a attorney take this to court without XXXX
Product: Debt collection

Credit Concepts XXXX XXXX XXXX XXXX XXXX, Oregon XXXX Debt amount {$4600.00} XXXX They contacted a friend and gave him the letter at his property, and I did not live there and gave him the letter that was served that was supposed to go to me. Which he gave to me and it was threatening to sue me. Also, the information is incorrect on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX XXXX, account number XXXX XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information.

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX XXXX 

Upon information and belief, XXXX XXXX XXXX received notification of my credit bureau dispute. XXXX XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX XXXX  Account. 

Upon information and belief, XXXX XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX XXXX  Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX XXXX  rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX XXXX Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I was established with a rate reduction plan with XXXX  private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX  and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Product: Debt collection

Accountability Act ( HIPAA ) is in place to protect my privacy and medical records from third parties. I do not recall giving permission to ER at XXXX for them to release my medical information to a third party. I am aware that the HIPAA law does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and violation of HIPAA law. 
Breakdown of fees including collection costs and medical charges and medical information were sent without my authorization. 
A copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX was not provided.
Product: Bank account or service

I wired my Aunt {$1000.00}. The wire was sent from XXXX of my XXXX XXXX XXXX accounts to her checking account with JP Morgan Chase. It did not go through. For whatever reason ( I was told that her account could not accept a wire transfer ), JP Morgan Chase refused the wire. They subsequently returned {$960.00} to my account, charging me {$40.00} to refuse the wire to my Aunt, who desperately needed the cash. 
My Aunt is a bit old. I have not asked her to find resolution on her end.
Product: Money transfer, virtual currency, or money service

I used XXXX to purchase {$200.00} worth of crypto on XXXX from Coinbase and my personal checking account to buy {$50.00} on XXXX. For some odd reason, coinbase charged me XXXX on XXXX as well for some subscription I didnt sign up for. So my transaction was charged back. I called and they said I would get a refund and I went ahead and paid for the chargeback then and there because otherwise there would be a hold on my account. After I paid everything was clear and I was supposed to be free to use my account. The next day I log in and my account is restricted and there are holds for the {$50.00} worth of transactions that I just paid for lasting til the15th so I chat and call and they say theres nothing they can do about the hold yet their policy said if I paid directly using my card my restrictions would be lifted it was and has not. The dates keep pushing back and now they put my other funds on hold that were paid for immediately not with an account. And to top it all off the same thing happen in XXXX with XXXX of my dollars and I didnt realize they never put the funds back after I paid. I believe this is fraudulent and unethical. And Ive asked to be refunded and close my account yet they say they cant then disconnect the chat or phone call. Im a XXXX veteran and I need my money. I hope this can help
Product: Debt collection

I did not receive a validation letter or any other communication from the collection company MIDLAND CREDIT MANAGEMENT and yet I just found out on my credit report that I have a major derogatory mark as of XX/XX/2023 because MIDLAND CREDIT MANAGEMENT reported to credit reporting agencies as a Debt Buyer of {$1000.00} which I had no opportunity to dispute since I was not contacted by the MIDLAND CREDIT MANAGEMENT and now it is marked on my credit report as overdue for two months ( XX/XX/2023 and XX/XX/2023 ).
Product: Mortgage

[ XXXX ] Village Capital arbitrarily changed the payout month after closing, resulting in only one ( 1 ) month of skipped mortgage payment instead of the advertised and promised two ( 2 ) months of skipped mortgage payments. [ End of Summary ] I closed on a XXXX XXXXXXXX Refinance with Village Capital on XX/XX/year> with a notary that came by. On the loan documents, I noticed that the next payment would be in XXXX. The loan officer promised me that I would have two skipped payments. When I called him, he assured me that the XXXX payment that I had made would return to me. 

Fast forward a week later, I called and was told that the Payout document had been updated to XXXX, and that XXXX would be the only skipped payment. The only other option is to re-close the first week of XXXX. This would not be ideal for me because there is a XXXX occupation clause in the closing document -- I am trying to leave XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

American Express ( AMEX ) is still trying to collect on a fraudulent account opened in my name. Account # : XXXX, Balance : {$1800.00}. I am a documented victim of identity theft and sent AMEX a copy of my identity theft police report in XX/XX/2022. Over the phone on XX/XX/2022 XXXX days ago, they claimed they had never received this police report and had no notation that it existed. That is a lie because I previously uploaded it to the CFPB in XX/XX/2022 through which we both communicated. I am once again attaching a copy of my identity theft police report from XX/XX/2022. 

Please immediately mark this account as fraudulent, stop collection activities, and have this fraud account removed from all credit bureaus immediately or I will take legal action.
Product: Vehicle loan or lease

I financed a vehicle through Ally Financial. The vehicle was totaled in XXXX. My insurance company contacted Ally, obtained the payoff amount and paid off the loan. Ally cashed the check on XX/XX/XXXX and released the lien on the title. My insurance company sent me a copy of the payoff check and a new, clear title issued in my insurance companys name by the state of Texas on XX/XX/XXXX. Three years later, Ally contacts me on XX/XX/XXXX claiming that I still owe one more payment. I thought it was a scam because the loan was paid off years ago. I got a call and a letter dated XX/XX/XXXX. They claimed that my insurance company never requested an official payoff, so the loan was not paid off. Instead, Ally deducted payments from the {$15000.00} check for three years and at the end, claimed I still owed one more payment. My insurance company tried to help me and made 3-way calls to Ally to try and get it resolved, but the insurance company eventually bowed out because Ally has done this before. My insurance company now has a policy requiring payoffs in writing because of this very problem with Ally. I spent 20+ hours trying to resolve the issue before finally paying the $ 400+ because collectors at Ally threatened my credit. They sent me another title in XXXX releasing the lien ( that was released years ago ). Lo and behold, I later discovered that Ally reported that I had 30 and 60 day late payments. When I contacted them, Ally claimed they could not resolve this with the credit bureau. I disputed these late payments with the credit bureau, and Ally still maintained that I was 30 days late. The credit bureau sent me to FTC.gov.

I do not believe I owed the debt, but I paid it anyway to save my credit from showing a collections while I got it resolved. I think Ally had a paperwork error in XXXX and is trying to make me responsible for their error. My insurance company ( XXXX ) handled the total loss transaction, so I do not have the records or memory to prove what happened in order to get the late payment removed from my credit. Regardless of whether the debt was owed, it was paid 3 weeks after they initially contacted me on XX/XX/XXXX, so it couldnt possibly be late. According to Ally, they were sending me electronic notices through an Ally online account that I never checked again after XX/XX/XXXX because I was told that the loan was paid in full. That is not sufficient notice to report late payments to the credit bureaus.