23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to you with a heavy heart and a deep sense of disappointment regarding the handling of my account. Despite my payment of {$180.00} on XX/XX/year>, I was reported as 30 days late on my credit report. This news has left me utterly disheartened and distressed, as it unfairly tarnishes my credit history and financial credibility. 

Adding to my distress, I also noticed a loan payment reversal in XXXX, but I don't show a corresponding credit reflected in my bank account. This discrepancy has only added to my confusion and concern. 

I implore you to rectify this error on my credit report immediately. The impact of this incorrect reporting has already cast a shadow over my financial standing, and I fear the repercussions it may have on my future financial endeavors.
Product: Debt collection

Collections company called Puerto Rico Consumer Debt Management and XXXX XXXX XXXX sued me for a debt of a credit card issued in XXXX. I did not knew about this debt or lawsuit until I tried to renew my automobile permit in XX/XX/XXXX that in XXXX XXXX we do it yearly and the XXXX told me they can not permit the car because it has a repossession because of a lawsuit. I the. Went to the court to examine this lawsuit which it was done in the year XXXX!!! And in XXXX the collection agency made a motion to repossess any property i had to cover the debt of XXXX dollars. I am complaining because they are violating my rights. This debt its to old and its not fair they take my automobile which is an old car and its my only property. I do not work because I have XXXX  XXXX  and I am trying to apply for social security XXXX. I dont have any money. I needed your help on this.
Product: Debt collection

I received a debt collection letter from XXXX for {$530.00} but the account number used is NOT my XXXX account number, and I do not owe any money to XXXX.
Product: Credit reporting or other personal consumer reports

In Accordance of FCRA, 15 us code 611 ( a ) ( 3 ) ( A ) this account with XXXX is PAID and CLOSED therefore it shouldn't be reporting or shown as POTENTIALLY NEGATIVE. Please delete the RED POTENTIALLY NEGATIVE for the account. IVE REQUESTED SEVERAL TIMES. 


XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$160.00} Highest balance {$340.00} Terms - Payment history XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days CLS Closed Payment history guide 120 days past due as of XXXX XXXX  90 days past due as of XX/XX/XXXX, XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Your statement Comment Current : Account closed at credit XXXX 's request. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Debt collection

My monthly XXXX bill was {$10.00} every month until they put me on a new plan without my permission in XX/XX/XXXX. That new plan was {$50.00}. I had auto pay on my account so they took my money. I canceled my service, and they refused to send me a refund so I disputed the charge. They gave me a XXXX cent courtesy credit so they want {$50.00}. I received a letter from a collection agency today XX/XX/XXXX. {$50.00} is what the collection agency is going after.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XX/XX/2019 and reported as paid if full on my XXXX, XXXX  and Transunion credit report. ( see reports below ) There was also two recorded calls with XXXX  Manger and XXXX  Manger confirming all student loan accounts along with premier bkcrd and XXXX were also paid in full. ( see recording and reports below ) XXXX, Transunion, XXXX, Navient and Great Lakes/Department of education started to report the accounts that showed paid in full closed XXXX and XX/XX/2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request. 

ALL PACKETS AND DOCUMENTS SENT CERTIFIED
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert from XXXX, stating, I applied for credit from American Honda Financial on XX/XX/XXXX. Contacted American Honda Financial on XX/XX/XXXX, spoke with several individuals over 45 minutes. Honda stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. XXXX   stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from American Honda Financial and I need to contact Honda. I contacted Honda on XX/XX/XXXX, they said I need to contact XXXX  to have it removed. Called XXXX again, informed them what Honda said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact Honda, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with XXXX and American Honda Financial requesting the hard inquiry be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the XXXX and XXXX XXXX as XXXX of the XXXX  XXXX XXXX XXXX. My credit report doesn't indicate that I have an employment. I have been reporting payroll to federal government and California state. 

The credit reporting must indicate that I am self employed and working.
Product: Credit reporting or other personal consumer reports

After checking my Transunion credit report on XX/XX/year> I found a ridiculous amount of inquiries that I did not consent to or approve of. XXXX XXXX XXXX on XX/XX/year>, XXXX XXXXXXXX XXXX  on XX/XX/year>, XXXX on XX/XX/year>, XXXX XXXX XXXX on XX/XX/year>, XXXXXXXX XXXX XXXX  on XX/XX/year>, XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year> all are unauthorized users of my credit information. I did do any business with these companies nor did I benefit from the use of my credit.
Product: Vehicle loan or lease

I got an auto loan through Flagstar Bank in Michigan. The vehicle was automatically registered in Michigan after I bought the car in Wisconsin, and it has a Michigan license plate. 

I have since moved to XXXX, and Flagstar Bank is preventing me from registering my vehicle. They lost the title to the vehicle, and when I contacted them they said that I was supposed to have it, and that there was nothing they could do for me. Effectively they told me I would not be able to register the car, since they are supposed to keep the title but refused to take responsibility of having the title. 

I contacted the XXXX XXXX  and they informed that indeed the lender, Flagstar Bank, is supposed to keep the title, and I will not be able to get XXXX myself. I had the XXXX  XXXX send Flagstar Bank a newly issued title and paid the fee for that. The XXXX XXXX says they sent the title to Flagstar Bank on XX/XX/XXXX. It is now XX/XX/XXXX, and I called XXXX to ask them to fax the title to the XXXX  XXXX ask I could register the car. XXXX says they dont have the title, even though the XXXX confirmed it was sent to them a month ago. They refuse to take any responsibility in the matter, they keep saying Im supposed to have the title even though that is legally impossible.
Product: Debt collection

on XX/XX/22 I received a letter from a Debt Collection law firm in Florida however the Law Firm page was hiding the real Law firm and hired someone not registered in Ohio to act as a consultant lawyer and have tried to raise the money in debt owed from {$300.00} to like {$800.00} and their website doesn't feel safe or secure if this is happening and has tried to harass me
Product: Checking or savings account

To whom it may concern, We are writing you as we are encountering a problem with Branch Banking and & Trust Bank. This bank closed our account on XX/XX/2018 and did not notify us with sufficient amount of the days so we could take action. Instead the bank closed our business account and up to today we have not received any notification or the funds. 

We find incredible that in the United States financial system, the government does not control the banks business practices. It is easier and correct that the bank notify us with sufficient amount of days specially when we have an overseas company that they have decided to close business with us, so we can removed the funds and allow them to close the account. Instead, BB & T takes advantage of clients by freezing the funds and OBVIUSLY using them while they send a check or play with the funds! THIS IS NOT ACEPTABLE!!! It looks like they think we are idiots and we do not understand what is going on!! This is an abuse as they should have a limited amount to return the funds as they do not have a court order to retain my company funds. 

We extent our request to government officials to PLEASE fine or regulate this unfair business practices! As this bank is abusing of clients. 

Businnes account # XXXX Name : XXXX XXXX Personal Banker : XXXX XXXX telf : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a mail correspondence from Equifax on XX/XX/XXXX, at my home address regarding my dispute report. I had submitted several disputes with Equifax because they were reporting a negative and inaccurate past-due balance of {$360.00} for creditor XXXX XXXX account # XXXX on my Equifax credit report. However, I had paid off the past-due balance and the account ending XXXX was not at XXXX balance. After viewing my mailed dispute results with confirmation number XXXX, and reviewing the credit file dated XX/XX/XXXX, Equifax correspondence stated, that my XXXX XXXX account # XXXX dispute was closed and that the past due balance of {$360.00} was correct and verified. 

However, Equifax never Elaborated on how they verified the balance or provided me with a copy from the creditor showing a past-due balance of {$360.00}. Despite my payment of the {$360.00} past due balance on XXXX XXXX, Equifax did not correct the negative past due balance reporting on my Equifax credit report and the negative account # XXXX is still reporting on my credit report. 

I want to inform you that I have uploaded a copy of the results of my dispute for account # XXXX I received from Equifax The letter I received via mail includes the Equifax confirmation number XXXX and the credit file date of XX/XX/XXXX. Unfortunately, negative account # XXXX is still reporting on my Equifax credit report with a past-due balance of {$360.00}, and despite my dispute, Equifax has not updated account # XXXX with a XXXX balance. Additionally, I have uploaded a copy of my receipt from creditor XXXX XXXX I received, dated XX/XX/XXXX, for account # XXXX, which shows that the account has been paid off with a XXXX balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I signed up for Coinbase. This included linking my bank account and sending a picture of my ID to ensure that they could confirm who I was as an investor. My ID was verified and they sent me {$5.00} in bitcoin as part of a promotion. Another promotion available was to set up reoccurring buys of {$50.00} dollars or more and after the 2nd reoccurring purchase, I was supposed to receive another {$5.00} in bitcoin. 

I made those reoccurring purchases of {$50.00} on XX/XX/2021 and XX/XX/2021. 

On XX/XX/2021, I submitted a support request via the Coinbase website to request my {$5.00} bitcoin promotion. 

On XX/XX/2021, I received the following email " Hello there, Thanks for contacting Coinbase Support about your BTC reward. 
Here are some possible reasons you didn't receive your {$5.00} in BTC : -You need to complete full ID verification. Go to https : //www.coinbase.com/settings/account-levels and make sure youve achieved the top level of verification ( all green checkmarks ) -Your account didn't meet our compliance-related criteria ( duplicate and fake accounts are ineligible for this reward ) Once you meet the requirements above, you should be eligible to receive BTC rewards. 
Regards, Coinbase Support '' On XX/XX/2021, I responded via email stating that I checked their website which showed my verification was all green checkmarks. I never had a duplicate or fake account. 

On XX/XX/2021, I received the following email " Hi there, Thank you for your response. 
We understand your concern but please note that we are unable to manually review or credit the BTC reward that are not automatically paid out. If you have completed the steps as previously outlined, you should be eligible to receive the reward. 
We appreciate your understanding in this regard. Please let us know if there's anything else we can assist you with. '' On XX/XX/2021, I responded with the following email " Hello, just to confirm, even though I have stated that I have completed all of your requirements, you are stating that you can not in any way figure out why I am not getting paid properly, even though I have met all of your requirements? 
I find this unacceptable and request that someone with the authority to make decisions review and rectify this situation. I have followed the rules that your company stated for this promotion and request that I be paid in accordance with your own policies. 
I believe a fair amount of time to look into this and properly credit my account is by this Friday XX/XX/2021. Failure to do so will force me to pursue this further up to and including contacting the proper government agencies with purview of this matter. I await your response. '' Coinbase responded on XX/XX/2021 with the following email " Hi there, Thanks for reaching out to us. Our team is currently reviewing your account to find the best solution. We will follow up with you on the original email thread as soon as we have an update. 
Thank you for your patience. '' That was 12 days ago and I have not received any communication since.
Product: Debt collection

I recently received a fraudulent collection letter from a " legitimate '' collection agency, XXXX, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.
Product: Debt collection

I sent Debt Recovery Solutions a certified letter on XX/XX/2020 which was received on XX/XX/2020 asking for verification of this debt, they have not responded to my request but continues to report this unverified debt on my credit report. This debt does not belong to me and I want it removed.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Balance : {$400.00} XXXX XX/XX/XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my TransUnion credit report side by side with XXXX XXXX XXXX I've multiple inconsistencies and inaccuracies with the TransUnion reporting. I am demanding TransUnion remove this account immediately. 

Pursuant to : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 also believe TransUnion is guilty of [ 15 U.S.C. 1681n ] Willful Noncompliance
Product: Student loan

This company is hurting many people with their bad practices. I am unable to defer this loan or ask for forbearance on this loan. This economy is horrible enough and Georgia Student Finance has continued reporting late payments on the account for over a decade. They wont close the account or allow me enter into a payment plan. The loan was XXXX dollars and it now at over XXXX dollars. If you check reviews for this company, a lot of them will reflect my same sentiments. This is truly a horrible lender that should stop reporting to our credit reports.
Product: Credit card or prepaid card

I was a victim of identity theft, someone used my information to make a purchase on a XXXX XXXX  account that I dont own
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I sent numerous emails and certified mail to XXXX  XXXX regarding inaccurate credit reporting on account that I always paid on time and the account is now closed. I also sent certified mail to all three credits bureaus requesting a reinvestigation and provide me with debt validation showing where I was late on the account but the credit bureaus always close reinvestigation as verified but doesnt supply any proof of account being late. XXXX XXXX XXXX reported account 60 days late back in XXXX of XXXX  which is false and inaccurate reporting as Ive never paid late on account. As stated above Ive emailed XXXX XXXX XXXX XXXX XXXX XXXX no response, Ive email possible financial support requesting proof of late payment no response and Ive sent certified mail to possible financial and its constantly being returned to me
Product: Credit reporting or other personal consumer reports

My report is showing a judgment is still showing on my report, even though I already provided proof that the judgement was vacated in 2023 by the plaintiff. I sent a dispute to LexisNexis about this issue in XX/XX/year> and I also included a copy of the court order proving that it was vacated. It was not removed from my report.
Product: Money transfer, virtual currency, or money service

A live check was placed in my mailbox and fraudulently cashed or deposited on XXXX XXXX using my name, address, and forged signature. 
I received correspondence from XXXX XXXX XXXX that I was delinquent on a loan in the amount of {$900.00}. Some of the correspondence was sent to relatives or simply pushed through my door overnight. 
I filed a police report with the local XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX has since denied my request for a copy of the live check that initiated the loan. The account was closed on XXXX XXXX XXXX A derogatory remark was placed on my credit report and the loan was written off as bad debt.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i filed a complaint through you about items on my report. It's been over 30 days and the haven't notified through you about the results and according to FCRA the items must be removed from the report.