23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it Concerns, I received a discounted offer from Debt Recovery Solutions on a debt of {$920.00}. The offer from DSR was to RESOLVE and CLOSE this matter with a payment of {$450.00}, before XX/XX/2019. I did make this payment on XX/XX/2019, but the delinquency is still being reported. 

I have disputed this error with receipts, proof of my payment and Debt Recovery Solutions mailed offer. It has been more than 3 months since.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because there is an account ( XXXX XXXX Account # XXXX ) being reported on my credit file without my permission or written consent, which is a direct violation of my rights under the FCRA. Experian is responsible for this inaccurate reporting failing to comply with federal law, negatively affecting my creditworthiness, and causing me financial and emotional distress. Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes. I never authorized or provided written consent for this account to be reported, meaning it is appearing on my credit file unlawfully. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to provide only accurate and complete information to credit reporting agencies. The continued reporting of this unauthorized account is a direct violation of this provision. I have already disputed this account with all three major credit bureaus XXXX, Experian, and XXXX. While XXXX and XXXX have deleted the account from my report, Experian continues to report it despite my disputes and the fact that the other bureaus have already removed it. Experian 's clear failure to conduct a proper reinvestigation, as required under 15 U.S.C. 1681i ( a ). The inconsistency between the bureaus further demonstrates that Experian is failing to ensure the accuracy and fairness of my credit report, which is a violation of my rights. This ongoing inaccurate reporting is causing me unnecessary hardship, including potential denial of credit opportunities and financial stress. Despite multiple attempts to resolve this issue directly with Experian, they continue to report the account without justification, failing their duty to provide a fair and accurate consumer credit file.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX XXXX XXXX and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following : ( List all accounts and inquiries to be removed )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke to XXXX about this matter following the bankruptcy in XX/XX/XXXX, they said they would start processing it. In XX/XX/XXXX I spoke to them again and was told that my lawyer did not fill out and send the proper forms to make them comply so they were not going to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report from Transunion. 
The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove this inquires listed below : XXXX XXXX Inquiry : XX/XX/2022 I asked Transunion to please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Capital One who had outsourced the account to XXXX XXXX whom I settled the account with, XXXX XXXX has sent receipt stating that the account is paid and settled, however, Capital One is still showing that I owe a balance. After contacting Capital One and being told that the account is no longer with them again after multiple attempts to try and get this matter resolved the account is still not in good standing on my credit reports. Capital One has updated the settlement amount but is till reflecting a balance owed. 

I am in the process of purchasing a home and settling this account will help me to do so. However, the non cooperation of the company to update the information correctly is hindering my progress. I would like the account removed promptly from all three major credit bureaus for this continued oversight.
Product: Mortgage

A FORGERY OF MY NAME & A MOCK APPEAL HELD IN BANKRUPTCY COURT WAS HELD BY SOMEONE PRETENDING TO BE ME ... THIS ALL BECAUSE OF ILLEGAL FORECLOSURES THAT TOOK PLACE ON XX/XX/XXXXEVEN THOUGH THE MTG., COMPANY FILED A CANCELLATION OF DEBT ( 7-MONTHS-PRIOR ) XX/XX/XXXX THE ILLEGAL MOCK APPEAL ON MY BANKRUPTCY LASTED 4- ( FOUR ) YEARS & I FILED BANKRUPTCY TWICE SINCE THEN ( once with an Attorney ). ( The Judge who Recused himself stating he could-NOT hear both Land ( & /or ) Divorce, BUT, he was the Judge Dismissing then Cancelling his dismissal, then coming back as the only Judge in Case Giving a Summary Judgment against me for the LAND/HOME and hearing my Divorce Case allowing an Attorney to withdraw from my case Illegally. ) I Sued the Mortgage Company for an ILLEGAL-ASSEMBLAGE & PREDATORY PRACTICES, ETC. & THEY CANCELLED THE DEBT IN XXXX THEN FORECLOSED 7-MONTHS LATER ON XXXX XXXX, XXXX. NOT EVEN RECOGNIZING THEIR " FILED CANCELLATION- OF- DEBT MY BANKRUPTCY FILED BY AN ATTORNEY ON XX/XX/XXXX OR THEIR RECORDED ADMISSION TO SANCTIONS BEING ALREADY WRITTEN AGAINST THE LOAN, OFFERING ME -- 1 % t -OF THE DURATION OF THE LOAN, OR MY ACTIVE LAW-SUIT AGAINST THEM ... FOR INCLUDING A SEPARATE PROPERTY ( VACANT LAKE- FRONT -LAND-LOTS THAT WERE OWNER-FINANCED ) WHICH WERE FREE & CLEAR which NESTED OVER 16-20 BALD EAGLES & OTHER RARE BIRDS. THIS IS WHERE THE P.O.A ( property owners assoc. ) TOOK MY FENCE, CHOPPED DOWN ALL VIRGIN TIMBER, RESURVEYED MY LOTS, GIVING A PORTION TO NEIGHBORS WITHOUT LAKEFRONT OWNERSHIP ( because I owned the entire CUL-DE-SAC on the LAKE &  taking out the original pins ) THEN, REZONED IT ALL AS ONE LAKE FRONT LOT, COMMERCIAL INDUSTRIALGIVING ROYALTIES TO THE BLOCK, ADMITTING TO EVERYTHING IN THE POLICE REPORTS. <P/>
IT ENCUMBERED MY DIVORCE, WHEN I DID-NOT DROP MY SUIT ( as asked by one of my 3-attorneys, I thought were working together, but were just informing each other until two withdrew once the husband paid their feesthen the last attorney who my husband hired her cousin, while in jailcontinued to inform the previous Counsel- I have the documents ) THEN, MY HUSBAND WHO WAS IN JAIL FOR XXXX XXXX IN DIVORCE-COURT, FOUND XXXX XXXX XXXXWAS ORDERED TO RESTORE-DID-NOT-COMPLY AND WAS XXXX XXXX THEN THE NEW JR. JUDGE THREW OUT THE FRAUD ON THE SENIOR " JAG '' JUDGE 40- YEARS ON THE BENCH, AND HELD AN ILLEGAL FINAL WITH " NOTHING '' DONE IN THE  DIVORCE, MEDIATION, DISCOVERY 'S, DEPOSITIONS, WE HAD ONLY BEEN TO COURT TWICE BEFORE HIS FRAUD OF DIVERTING MY MILITARY SPOUSAL BENEFITS WERE " '' ORDERED '' '' BY THE SR. JAG JUDGE TO RESTORE, SO I FILED AND INTERLOCUTORY APPEAL ( LIKE HUSBAND DID WHICH HELD UP THE DIVORCE FOR ALMOST A YEAR ) AND THE NEW JR. JUDGE SAID HE COULD " '' NOT '' ' HOLD THE FINAL -- CHANGED HIS MIND 4-DAYS LATER, EVEN BEFORE THE HIGHER COURT COULD MAKE THEIR DECISION.. HE ALSO HELD FINAL BEFORE THE STATUS HEARING FOR ME TO FIND ANOTHER ATTORNEY -- HAVING AN ATTORNEY REPRESENTING ME EVEN THOUGH I WAS PROSE WITH AN APPEAL. GIVING ME NOTHING, NOT EVEN MY MILITARY BENEFITS HUSBAND WAS ORDERED TO RESTORE BY MILITARY & AT THE DIVORCE HEARING BY SR. JAG JUDGE.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. My open cases with Coinbase are # XXXX and # XXXX ( The latter is the newest one since I hadn't heard from Coinbase in over a week ) The only compliment I can give Coinbase is the phone number that you can call that immediately locks your account which hopefully helped in my situation, otherwise, their support has been non existent. Nothing but automated emails and then when you finally think you're getting somewhere, you don't hear from them until you open another ticket ( In my case, XX/XX/XXXX is when they claimed they would contact me in 4-5 business days- nothing. That was the 2nd time I received a 4-5 business day promise of contact, and a 3rd as of this morning XX/XX/XXXX. I again messaged them via their customer support contact page and received more automated emails today. This is a useless, endless cycle with no results. 
This all began XX/XX/2021, when my Coinbase account was hacked, and password was changed. I recieved a text alerting me of the change and I locked my account. I know that whoever was tampering with my Coinbase account also attempted to disable my XXXX authenticator which makes me believe they never got in. My account was already locked when that message came from Coinbase, but of course I prompted Coinbase to keep it locked until I secure my email. XX/XX/XXXX, I bought new phone with different sim card, revamped my email with a 2 step verification, changed passsord for email, Coinbase and all other accounts needed. I signed out of all devices that were using my email. I invested in XXXX XXXX and have it running on all devices. SInce that day, my accounts have been secure. 
I have received several emails from Coinbase, saying that my case was resolved but tried logging back in and it was still saying account XXXX. Of course I contacted Coinbase, and another automated case was opened with no human contact to me. A whole week went by again. Their customer support is so absent, it should be considered criminal. It's going on 3 weeks and I have no idea if the hackers actually got into my account. I do not know if I still have the significant amount that was invested with Coinbase, or if it has been stolen. I have absolutely no one to verify my balance or any other aspect of my account. 
Through my desperate search for assistance and answers, I was encouraged to contact the Consumer Financial Protection Bureau. I am hoping I can get some answers with your help. I know that many other investers are suffering from this same lack of access to their own account and no one at the company to speak to at all. For all we know, Coinbase themselves are scheming investors out of their own coin. I would like access to my account so I can put it in a secured wallet that is insured and definitely out of Coinbase so this never happens again. Thank you for all your help in advance! I will answer any questions and provide as much detail as possible so that maybe I can recover and others won't have to be subjected to this like me. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is completely violating my consumer rights I have been nothing but a loyal customer. To have this type of mistake on my report is damaging my life. An investigation was completed but proof ever rendered only a statement? Under the FCRA 15 USC 1666B ( a ) it states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date./ When no proof of late or missed payment can be verified XXXX XXXX is in violation of my consumer rights. As you are directed to have reasonable procedures
Product: Vehicle loan or lease

Per 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. Burns Auto Credit LLC has used unfair & deceptive acts pertaining to holder in due course rule. The proper NOTICE was enter in the contract : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. : However, under notice - it contain additional language with limitation & restriction on my right to assert any claims and defense as note holder per Federal Trade Commission Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers ' Claims and Defense. PER Federal Trade Commission if contract has additional recitals which limit or restrict its application, I as the consumer may assert, by way of claim or defense, a right not to pay all or part of the outstanding balance owed the creditor under the contract ; but the consumer will not be entitled to receive from the creditor an affirmative recovery which exceeds the amounts of money the consumer has paid in.
Product: Bank account or service

I had encountered couple of incidents with my account # XXXX at Bofa and each time I was not alerted and the only way I had come to know about the issues when I was proactive in checking my account balance. First issue was when an individual wrote a check from his/her personal account for an amount of {$1900.00} that cleared the account on XXXX XXXX, 2017 due to the fact that the account number for this individual closely matched the account number for my account. However, had I not caught this soon enough, I would 've never known that this check did not belong to me and it cleared without any issues, since there were enough funds in the account to allow that to proceed. Of course, through some random checks someone at the bank would 've caught this, but who knows that would 've happened. 
The second incident occurred on XXXX XXXX, 2017 when this account was charged XXXX NSF fees at {$35.00} when just the previous day I had noticed that XXXX Merchant services transactions were showing pending for clear and the account balance showed that there were enough funds in the account to cover the balance. That same day, a check was also cleared, however I did n't receive any notification for a deficiency in balance and when I found out about it, the representative mentioned that it is too late to deposit any new funds to cover the balance. I was expecting some alert notification if the account reaches below a certain threshold and I have it setup also, but I 've yet to receive any message in time for me to take action on it. I am very proactive about keeping the account balance in tact so I do not incur any fees/charges. I have had this account for a long time and I have maintained a great history so I am really frustrated that I am not being notified in time for any suspicious activity in the previous case or when a balance at any time falls below a certain threshold to where an action can take place the same day. The Bank charged these fees unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..
Product: Checking or savings account

The company in question Citibank, Violated the Electronic Fund Transfer Act. They reported to the Consumer Financial Protection Bureau that the matter was resolved by refunding me {$17.00} on XX/XX/XXXX For a check book for a new checking account which I had no choice but open because My other checking account was compromised with an illegal Wire Transfer for the amount of XXXX was blocked by Citibank. I received a phone call from Citibank in XXXX of XXXX about the suspicious wire transfer and other activities on the account and I told the Citibank representative on the phone that I did NOT make that transaction, I also asked the person on the phone " How will I be certain you're not are a scammer? '' I hung up the phone and validated the phone number and information that it was indeed Citibank. Also, I received emails to my two of my separate email accounts from Citibank about myself registering for Wire transferring services and the wires transfer of {$1300.00} and I responded to the emails clearly telling them that it was not me and I do not know that individual who received the wire transfer from me. Citibank CLEARLY violated the Electronic Fund Transfer Act, I would greatly appreciate your help in this matter and look further into it because there are thousands of other victims like myself and Citibank is not taking accountability but blaming us, Their long time customers. Thank you.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company refuses to provide verification and validation of debt. i have never had a XXXX memebership
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently submitted a dispute that was on Experian credit report the entry was state of Michigan child support for {$1600.00} once I notice it I called and then payed online the same day I went Experian week after and asked for a dispute the balance would show correctly I submitted documentation that was the receipt that wased processed from payment and copy of bank showings the payments where taken out and with the proof the refuse to show correct balance and I asked about the time length of the item been on my credit report because the item has been on my credit report since 2003 and after 7 years it should have feel off but they refuse to follow the laws
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Report Number is : XXXX Your Report Number is : XXXX Your Report Number is : XXXX OnXX/XX/XXXX, I began submitting several disputes indicating I had filed a Chapter XXXX bankruptcy. I submitted my bankruptcy information that indicated the bankruptcy number and list of creditors. Most of the accounts were updated correctly, however, I have 4 accounts where the dollar amount should state XXXX and 1 account that should state included in bankruptcy. 

On XXXX XXXX, XXXX, at an approximately XXXX XXXX  central standard time I called to inquire about the latest results. The customer service I received was by far the worst. I have contacted this company many times in the past and have always received superior service. I stated I had questions about the results I received. The representative stated, what 's your question. I informed him of the question, he asked for the report number and my name. He did n't verify any other information. He then became extremely rude, I asked to speak with his manager, he stated his manager could not accept calls but offered to have his manager call back within 24-48 hours. I then requested to speak with another representative, he said no and that he would drop my call. I asked for his name and stated I was recording the conversation, he said XXXX. Then he dropped the call. I had to call back 30 minutes later, I was on hold for 30 minutes before I spoke to someone, however, she was more than helpful to assist in initiating disputes. Please pull the call, I ask that you do something about this type of service. I am also unhappy with the number of disputes in order to get my information corrected. Please look into why this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had an account with VW Credit since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by VW Credit 's customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, VW Credit reported my account as 90 days late. I have written to VW Credit twice asking for a review and made disputes with their preferred credit reporting agency, XXXX, as well as mine, which is XXXX. My credit score dropped nearly XXXX points because of this, and VW Credit refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to VW Credit from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with VW Credit. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and VW Credit still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. Thank you