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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270.00} XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}
Product: Debt collection

Paramount Recovery sent me information that states a {$0.00} and they are reporting a balance of {$2900.00} to all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I send a dispute to Experian about the following account XXXX  XXXX XXXX XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Experian an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( XXXX ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three times with XXXX and equifax that XXXX has a secondary account reporting to my equifax credit report. I also recently sent out a 609 letter via certified mail. I only have one account with XXXX. This account has a high utilization and is bring my credit score down. The amount on the account is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.
Product: Credit reporting

Experian 's XXXX., He said his name was, said that because of the different formulas they use I will get a different score depending on which formula they use. I said that is not my dispute. I said my dispute is the fact that I consistently get between XXXX and XXXX scores from different reports. But when the bank applied, They got XXXX from Experian. I think it is misleading and false reporting for them to lead me into thinking I had an XXXX score or above, and not being able to the score before the bank got it and denied my loan. 
This shows that with too many different modes of reporting, we can not address issues. It is unfair. We are getting blindsided by fax facts that we never knew existed. We should know what are true Credit score is otherwise we are just living in fantasy world. Until we get the score in have to battle back wasting time and effort applying to another bank for a loan because the first one was ruined by a bad credit score that blindsided us.
Product: Debt collection

I settled my account with Capital Management Services LP and XXXX still reporting a balance. I would like a Settlement Letter and for XXXX to updated on credit reports.
Product: Vehicle loan or lease

I submitted a form for auto payments during the first months of my auto loan. I sent the first payment because it states to make payments until the auto pay begins I thought my auto payments because on their Bank of America it did n't show a payment was due.     I was never notified that I had missed a payment.     They state that they tried to contact me but I have no voicemails or email notifications that told me my payment had not been made.     I believe this is unfair because on their website they have payment alerts that tell me when a payment is due. Apparently it only shows when credit card payments are due not auto loans. No where does it state that. I was under the impression that if a payment was due it would show an alert. it did n't.     They told me that have time stamps of me logging in before the 30 day late payment.     I have and had enough money in my account to have covered that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed on or around these dates to both XXXX, Experian, XXXX XX/XX/2022 {$130.00} XXXX, XXXX, 2022, {$69.00} XX/XX/2022 {$310.00} XXXX XXXX XXXX With proof of bank statements and statement of how I already paid a couple of these, and showed my was health insurance was billed and paid for all or/if not all. It was removed from only one of the credit bureaus XXXX, but not accepted for removal of the other two credit bureaus. I also have XXXX hard inquiries on XXXX, and Experian as of XX/XX/XXXX, XXXX, But not on XXXX XXXX Which I do not know where or why they are on my reports.
Product: Money transfer, virtual currency, or money service

Coinbase has locked me out of my account, with zero communication or explanation, while having over {$10000.00} in assets in the account. I find this to be unprofessional and honestly illegal given I've attempted to contact them with zero communication back. I work in the compliance field and deal with these cases all the time, the least they can do is communicate - however it seems like they decide to randomly lock users out based on a quick XXXX search. I am exhausting all resources and energy to try get my funds out as this is ridiculous. They make an insane fee on every trade and seems like day-light robbery to just lock customers out without any explanation. It's important to note that I am fully XXXX with source of income and reside in XXXX. I would grealtly appreciate your assistance as it seems like you assisted people online. I also have a fully strong generated password with 2FA and email confirmation login - whatever reason they decide to give is honestly going to be full of XXXX
Product: Checking or savings account

I am an XXXX  who issued two direct deposits to a Key Bank account belonging to an employee. XXXX deposit was for the amount of {$510.00} and the other amount was {$510.00} I issued these XXXX transactions on Wednesday XX/XX/2022 along with regular payroll issued to nearly XXXX employees. All other employees who have other banks received their funds on Thursday XX/XX/2022. The Key Bank account holder was told that funds would not be made available until Monday XX/XX/2022. 

I spoke with the Key Bank consumer department at XXXX MST on XX/XX/2022 and was told that although Key Bank XXXX indeed receive the funds, they would not make those funds available to the account holder because today is a federal holiday. Key Bank insisted that the settlement date was XX/XX/2022 which is not correct as the funds were issued XX/XX/2022 with a settlement date of XX/XX/2022. 

I escalated the call to a supervisor who informed me that although they are able to verify that they did indeed receive the funds, there is no employee of Key Bank who has the ability to make these funds available to the account holder. 

I issued the XXXX XXXX day early in order to ensure that all employees were paid on time. Key Bank is in violation of Federal law in delaying the availability of these funds.
Product: Debt collection

I had cancelled before the contract date was up. I was told I owe no obligation. I'm not paying {$1000.00} for a mistake especially because of a Gym Owner messing up.
Product: Debt collection

I have been dealing with identity theft issues for over the past year and had a credit card company removed from my credit report cause of it. Then XXXX of 2020 it comes back on my report with a different company trying to collect the debt. I have tried multiple times to dispute this with them on identity theft but they continue to harass me with bills in the mail to my home and denied my dispute. Now they are attempting to take me to court over this. What can I do?
Product: Checking or savings account

Hi I had to open up a new case due to the company now responding but decided on only returning half of the unauthorized charges on my account, they returned only {$5000.00}, but the case was for {$10000.00}. So I was waiting on a debit card for months now From my Chime account I was sent via email from Chime and through phone. I was contacted by people claiming to be chime agents to help me with my debit card process I received a email from Chime stating the day I will receive my new debit card Unfortunately I didn't realize they were scamming my bank account with a app called anydesk and while I was working i never noticed my account was completely withdrawn to nothing and I never received any notifications from Chime about my account activity getting withdrawn in one day so fast until the next night out from work realizing I have no money for my bills or to eat I had to call Chime and i made a dispute with Chime cause the XXXX Zero Liability Policy. which stated card holders will not be responsible for unauthorized charges i also gave the Dispute agent at Chime The FTC report and number. & attached the evidence of the email and phone numbers they used and sent to me and the transactions of the total of my account which was withdrawn so Chime can start a thorough investigation like they told me. Chime sent me a email the next day with no thorough investigation stating after investigation with partners no errors had been made on your account you will not be refunded any refunds. I also requested the documents used for the investigation and they just sent me a screenshot of the bank statements I emailed to Chime for the investigation. help best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted Tran-union customer service center about errors on my credit report about unknown hard inquires i never seen before.They refused to help with the issue so im forced to file a complaint. Im a victim of there previous " inquire issue '' i would like these unknown hard inquires deleted report as soon as possible because its effecting my credit. 

List of hard inquires : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying my account accordingly since the beginning of the loan. In XX/XX/XXXX, we were hit by a natural disaster in XXXX and apparently they stopped reporting my payments. This was not done at the request of myself. In XX/XX/XXXX I paid the car off. The account shown on my credit shows that the Santander account is still open with a balance when it is not.
Product: Credit reporting or other personal consumer reports

This is my 7th time reaching out to Equifax. I have continuously sent complaint after complaint after complaint. I repeatedly told Equifax that I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from your bureau. Ive also reached out to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX/XXXX  is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR XXXX XXXX THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. It has been well over 30 days and still have not gotten any reply. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. THIS IS A VIOLATION OF MY RIGHTS. 

The letters were mailed out certified : XXXX XXXX Mailing Tracking Number : XXXX Transition Certified Mailing Tracking Number : XXXX XXXX XXXX Mailing Tracking Number : XXXX I've attached the letter sent out to all 3 Credit Bureaus. 
All letters were signed and sent with my Government ID and Proof Of Address.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already settled this debt with this collection agency as of XXXX 2016 and I asked them several times to remove the entry in my credit report that states collection. Although it appears that I have a XXXX balance, debt collection agencies should remove these reports in consumers ' credit files. And they not only do this to me for to other consumers as well. I have requested them many times but all they say is they can not remove it but they only told me that they keep updating it to XXXX balance. That is the case. If they report it as fully paid then they do not have to update it every month. I am disputing this with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX  Account number : 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 state a consumer reporting agency can not furnish a account without my written instructions.

12 U S C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing 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 XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and have rights under 15 USC 1681. As a living human being, I would like to file a formal complaint against the consumer reporting agencies for violating my rights and the Fair Credit Reporting Act. The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I demand that they be deleted immediately. I did not provide permission for the consumer reporting agencies to furnish these accounts. 

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 The consumer reporting agencies are governed by 15 USC 1681 and have violated my rights on several occasions. I have the right to privacy under 15 U.S.C 1681 section 602 A. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making a consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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.

I have identified multiple billing errors under 15 U.S. Code 1666 ( b ) billing error that the consumer reporting agencies have failed to address. These errors include the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, as well as a computation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I purchased a used refrigerator from an used appliance store. The refrigerator stopped working 1 month after XXXX financed it. Now Midland Management has purchased the debt and suing me in court for double the amount and not the full contract for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from XXXX stating that they inquiries were factual, while on TransUnion they removed at least one, and I looked up XXXX and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX  XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX  XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX, INQUIRY DATE XXXX/XXXX/XXXX TransUnion : 1. XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 5. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 7. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 8. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 9. XXXX, INQUIRY DATE XXXX/XXXX/XXXX Thank you for any help that you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX wrong status XXXX  XXXX XXXX wrong status XXXX   XXXX wrong status XXXX   XXXX wrong status INQUIRIES XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized
Product: Mortgage

We have requested since XX/XX/2020, approximately when BSI Financial Services took over the servicing of our mortgage, that our loan be a non-escrow loan. We have paid our homeowners insurance and property taxes for the year. They requested a written letter signed by me which has been provided many months ago. They are still escrowing money instead of applying overage to principal balance as requested. I have left messages, emailed, hand written letter scanned signed and faxed & emailed back. Each time I call they put me to some ones voicemail. Their phone is XXXX XXXX XXXX XXXX Loan # XXXX.
Product: Credit reporting or other personal consumer reports

Hi, Nordstrom reported to all 3 credit bureaus that I was delinquent on a payment of {$8.00} for over 30 days. I made a purchase of {$60.00} and made a return for {$52.00} within the same billing cycle ( XX/XX/year> ). I made another purchase for {$340.00} the same month and never received a notification for the {$8.00} bill. I have been in good standing with this company and many others prior to this incident. I have requested that Nordstrom remove the late payment reporting as I was not notified until XX/XX/XXXX. This is an issue with the timing of the transactions and their reported billing cycle. I have been in good standing and have had excellent credit prior to this negative reporting by Nordstrom. I am filing this complaint to have this erroneous late payment removed from my credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act this creditor ( XXXX, XXXX, and Experian ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan late for any purpose.
Product: Debt collection

Aargon Collection Agency first contacted me on XX/XX/XXXX about the debt in question, and I requested the validation letter. However they failed to provide the information to me within the requisite amount of time, a point I mentioned when they contacted me again on XX/XX/XXXX. Debt collectors are required to send within 5 days of first contact, yet the validation letter they sent was postmarked on XX/XX/XXXX. When I stated this they tried to claim that they " had to wait to get the information from them because of HIPPA laws '', when HIPPA does not restrict communication between debt collectors and care providers. The first person I spoke to that day even claimed they sent the letter out on XX/XX/XXXX, which is also a lie. They are now trying to collect on a debt that is outside the window of time they are required to abide by. I have also attached audio of my second phone conversation from the XXXX with them. As I am living in Colorado I am allowed to record due to the 1 party consent laws in CO.