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

There are various problems that are not correct on my credit file that need to be investiagted and deleted since they are wrong see letter attached
Product: Credit card

On XXXX Capital One pulled my credit report that I never consented to. I have tried to resolve this issue with them because it is fraudulent but they are refusing to to look into the matter
Product: Debt collection

The debt collector Quantum filed q bankruptcy proof of claim for medical services received at XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( Attachment 1. ) When I visited the XXXX XXXX on that date, I presented my XXXX XXXX XXXX XXXX XXXX  ) insurance card. With XXXX XXXX plans, the private insurer is responsible for paying all medical bills instead of traditional XXXX. ( XXXX XXXX. ) In my experience, when visiting other doctors and providers, I have only needed to provide my XXXX XXXX card, and my claims were always paid. No other provider had previously asked me for my traditional " XXXX XXXX XXXX XXXX '' XXXX card. 
However, during my visit to XXXX XXXX on XX/XX/XXXX, the admitting staff insisted on seeing my traditional XXXX card in addition to my XXXX XXXX card. Despite this being an unusual request, I was experiencing a medical emergency and was not in a position to argue.

Later, I received an Explanation of Benefits from XXXX stating that they would not pay this claim because I have a XXXX XXXX plan, and the claim should have been submitted to my private insurer instead. I promptly emailed the medical provider with a copy of my XXXX XXXX card and explained that they needed to bill that insurance.

Unfortunately, I did not receive any further communication about this XXXX XXXX bill until I
filed for bankruptcy about a year later, on XX/XX/XXXX. At that time, the debt collector Quantum filed a proof of claim in my bankruptcy case for {$990.00}.

Since the medical provider failed to properly bill my insurance company, despite my providing them with my valid XXXX XXXX card XXXX, I do not believe I should be responsible for this bill.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing o adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate removal or amending the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Transunion has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for TransUnion to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for TransUnion to provide the following : XXXX. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which thev spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Product: Checking or savings account

On XX/XX/2020 I attempted to make a cash depose at a regions ATM at XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX, aroundthe XXXX XXXX. 
I tried to deposit the cash, {$400.00}, XXXX my checking account. The machine spit back XXXX, the machine continued to act like it was going to return my money. It didn't give it back, but it then said report to your financial institution the error. I then drive to the bank next door at 5 minutes till XXXX XXXX. I called the lobby number on the door let it ring for a solid 3 minutes. There was no answering service and no one picked up.so I drive to the drive thru, where the atm is located. And reported the incident.where I was told it's Not their atm and it will be Next week before they decide if any extra money in the atm is mine. Totaling XXXX. 
She alsosaid it Will take another week to have it investigated, and then I'll get a letter in the mail to let me know if I am owed My own money. Then I will have returns to me. 
I feel like. It should not take up to a month to get my money their banks atm ate.i also think they should have immediately watched the video or checked to see if I was indeed trying to make a deposit. This is ridiculous.
Product: Credit reporting, credit repair services, 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. 

DEPTEDXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX under reported the correct balance onto Experian, the Months of XXXX, XXXX, XXXX payments havent been credited and reflected in a lesser balance than reported by this problematic institution. I generated a dispute with Experian and they still have underreported the amount owed by {$180.00} they have now received XX/XX/XXXX payment and should further adjust accordingly. the payments for the months mentioned above totaled {$1900.00} in underreporting this amount is derived from monthly deductions of {$640.00} the month of XXXX of {$640.00} plus the underreported balance mentioned above of {$180.00} totals now {$830.00} and needs to be corrected and adjusted accordingly this lender has repeatedly and intentionally underreported my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX  Balance : {$2100.00} ; XXXX XX/XX/ ; XXXX XX/XX/ ; XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/ ; XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally lodge a complaint regarding significant inaccuracies on my credit report that are causing undue hardship in my efforts to improve my life. Recently, I have been striving to refinance my vehicle and secure a new apartment. However, I discovered several damaging errors on my credit report that are severely hindering these endeavors. 

I have always maintained a diligent approach to managing my finances, and these inaccuracies are not only unwarranted but also profoundly unfair. As I understand it, under the Fair Credit Reporting Act ( FCRA ), codified at XXXX XXXX. XXXX, I have the right to an accurate credit report. Specifically, the law mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they compile and distribute. 

The inaccuracies on my credit report are a defamation of my character and have a detrimental impact on my life. The errors have resulted in higher interest rates for refinancing my vehicle, and potential landlords have declined my rental applications. This situation is causing significant stress and preventing me from making the positive changes necessary to better my financial stability and overall quality of life. 

Refinancing my vehicle would allow me to secure a lower interest rate, thereby reducing my monthly expenses and freeing up much-needed funds to support my family. Similarly, moving to a new apartment is crucial for my well-being and personal development, as it offers a safer and more supportive living environment. 

The importance of an accurate credit report can not be overstated. It affects many aspects of daily life, including the ability to obtain employment, secure housing, and even access basic utilities. The errors present on my credit report are not only inaccurate but are also causing me emotional distress and financial strain. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and take appropriate action to ensure that these inaccuracies are corrected promptly. I believe that adherence to XXXX XXXX. XXXX will not only rectify my current predicament but also prevent such issues from occurring in the future, thereby protecting consumers from unwarranted harm. 

Thank you for your attention to this serious matter. I am hopeful that with your intervention, my credit report can be corrected, allowing me to continue my efforts to improve my financial situation and secure a better future for myself and my family. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Bridgecrest credit XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXX/XX/year> Car repossessed and account closed. Remove this off my credit hurting me getting approved for anything.
Product: Debt collection

To CFPB I woke up to a surprise today from a company called Dynamic Recovery Solutions,  apparently this is a company hired by XXXX XXXX XXXX XXXX , XXXX to attempt to collect a fraudulent debt that I do not owe. It appears to be some one 's old XXXX account that they want to throw off on my. 
Just for the record, I have been an XXXX XXXX XXXX customer for the past 30 years when XXXX XXXX XXXX was just a long distance company, I have been with them ever since. 
I hereby request CFPB to look into this non since fraud and fine Dynamic with a fine totaling {$75000.00} XXXX dollars for their fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen multiple hard inquiries on my XXXX XXXX  and equafix accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies made a settlement with 41 attorney generals that they would not report judgments. I had a judgment in the state of Texas and have paid on it as agreed. The Tennessee Dept. of Human services got the enforcement and they are reporting on the judgment. Moreover, pursuant the Tennessee Fair Credit Reporting Act 36-5-106 - Reports pursuant to Fair Credit Reporting Act. ( c ) Reports of delinquent support and the amount of the arrears shall be made only after the noncustodial parent has been notified of the intended action at the last record address required by 36-5-101 ( c ) ( 2 ) ( B ) ( i ), 36-5-805, 36-2-311, and 37-1-151 ( b ) ( 4 ) ( C ) - ( F ) or such other address as may be known to the department, and the noncustodial parent is afforded an opportunity for an administrative hearing before the department to contest the accuracy of such information. The noncustodial parent shall file a written request for appeal of the intended actions as provided by part 10 of this chapter.

The Dept. of Human Services has not afforded me an opportunity or provided a notice of any adverse action. This should be deleted immediately from my credit report. 

XXXX XXXX has no balance and its company policy to remove the item. Original Creditor was XXXX XXXX. If we are credit reporting your account, it will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report. This debt has been paid and has not been deleted. 

XXXX XXXX has no balance and its the company policy to remove the item if balance is settled in full with 2 years remaining. Original Creditor was XXXX XXXX. This company has a policy to delete all credit entries that have been paid that are more than 5 years old. This collections is more than 5 years old. 

XXXX can not be contacted to verify such an account. Their phone is not in service and is reporting information that does not belong to me. This item should be deleted immediately. 

XXXX XXXX has not reported in years and this entry was incorrect due to the fact that the debt was paid to the original creditor and should have never gone to collections and should be deleted immediately. 

XXXX keeps reporting a bankruptcy from the XXXX XXXX of Kentucky and there is no bankruptcy there in my individual name. This info can not be verified by XXXX and is violating my constitutional rights. This should be deleted immediately. 

XXXX XXXX keeps reporting a debt that was paid in 2014 when I moved from Kentucky. XXXX XXXX XXXX kept my deposit and actually owes me {$100.00}. This should be deleted from my credit report immediately. 

XXXX XXXX is reporting a civil judgment from the XXXX County, Tennessee Court. I have sent in the XXXX balance from the judgment and this should never have been reported on my credit. This should be deleted immediately.
Product: Mortgage

I had a mortgage with XXXX XXXX. With XXXX, I could set an autopay to come out on any day of the month I wanted. My loan was sold to Provident Funding. Provident only allows autopay to come out on one specific day of the month. I also can not schedule my current month 's payment for a specific day in the future. Now I have to remember to make my payments on the day I want them to come out, or I might get charged fees. This is definitely not designed in the consumer 's best interest and is a downgrade for me. I did n't get a say in the sale of my mortgage and now I 'm getting less functionality. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX, XXXX and Transunion that they are all reporting my XXXX payments and dates differently. 
They have failed to accurately update the payment history. In accordance with FDCPA 807 violation- reporting inaccurate and misleading information has to be deleted immediately. Please have this removed.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT 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 604 A. SECTION 2 : IT ALSO STATES A CUSTOMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX  Balance : {$16000.00} ; XXXX XXXX XXXX XXXX  Balance : {$16000.00}.
Product: Vehicle loan or lease

I am filing a formal complaint against Tesla regarding the wrongful repossession of my vehicle and the financial and emotional distress it has caused. My vehicle, XXXX XXXX, was repossessed in XX/XX/year>, despite my payment being made on time. 

Key Details : * My Name : XXXX XXXX * Vehicle Information : VIN XXXX * Date of Repossession : XX/XX/year> * Tow Yard Information : XXXX XXXX XXXX XXXX, CA * Payment Status : Full payment made on time via wire transfer Complaint Summary : * Teslas finance team failed to apply my payment properly, claiming they couldnt locate the funds because I didnt send a wire confirmation. I was never informed that failing to send a confirmation could result in repossession.

* I was traveling for work in XXXX XXXX and had explicitly requested email communication, but Tesla ignored my emails for two weeks.

* After the repossession, I had to fly back to XXXX XXXX to retrieve my belongings. Tesla failed to provide timely information, forcing me to call customer service multiple times just to find out where my car was.

* Teslas mismanagement of my payment and lack of communication led to unnecessary financial and emotional stress.

Requested Resolution : 1. Prevent any negative impact on my credit score and provide written confirmation that no derogatory marks will be reported due to Teslas mistake.

2. Compensate me financially for the emotional distress and inconvenience caused by this wrongful repossession.

3. Investigate Teslas mishandling of my case and take corrective measures to prevent future wrongful repossessions due to internal errors and unclear communication policies.

I demand immediate action to ensure my credit remains intact and that Tesla is held accountable for their negligence. Please confirm receipt of this complaint and provide a timeline for resolution.
Product: Credit card or prepaid card

During this time of COVD my hours at work have been reduced which means my paychecks are reduced. All other financial companies have been very sympathetic and have deferred payments on credit cards, even my car payment. 
I have been calling Citibank since last week. I was able to get through to customer service once and was told Citibank will not be offering payment help during this crisis. I tried several phone contact numbers being left on hold waiting for next available representative for over an hour holding and then disconnected. 
Today I am on hold right now for 2 hours+ 9 ( still holding ). 
I am curious if there is a regulation in place to help out in my situation? I am sure I am not the only consumer going thru this. And this is so disturbing that I am having to go this route at a time when we are all unsure of our future. 
Please assist if possible. 
I have my phone log of dates and times of calling.
Product: Money transfer, virtual currency, or money service

I have submitted a previous complaint and Coinbase had reached out. However, all that Coinbase does is write an email and does not make the necessary efforts to fix my account. At the point, I am XXXX to Coinbase. I am unable to access my accounts or speak to anyone that can assist. 

Coinbase is refusing to assist and is hiding behind their automated system.
Product: Credit card

I am reopening case XXXX I did not make the purchase in question. I have local law enforcement involved, the police report is attached, and i am working with the merchant. 

I can not believe what an absurd situation this has become. CITI has failed to protect me from fraud according to the regulations in place from the federal government. 

1. I received a call from CITI to alert me that fraud happened. I responded in real time and they proceeded with next steps to close my account and reissue my card.

2. I confirmed that I had my card AND I WAS NOT AT THE LOCATION where the card was used. I was miles away.

3. I did not give anyone else permission to use my card. 

And to update my case, I did time researching to learn that XXXX XXXX can be cloned. The basis for closing my claim without issuing a credit was the claim that this is not possible. 
This would explain why the card was with me and I was not at the location. CITI has hyper focused on the assumption that my chip was used while ignoring the fact that I could not have physically engaged in the transaction since I was not there. 
Cloning XXXXXXXX XXXX is not only possible but it is becoming increasingly common. It's called credit card cloning and card skimming. This includes a lower technological method that involves copying credit card chips to the magnetic strip so that the reader can not distinguish whether the XXXXXXXX XXXX was used. 
I am requesting evidence from the credit card issuer that they used to make this determination. If they are ignoring the indisputable fact that XXXX cloning is an increasingly common practice, their fraud investigators are either inept or lying.
Product: Debt collection

DEBT HAS BEEN ERASED ON THE EQUIFAX WEBSITE, BUT NOT ON MY CREDIT KARMA EQUIFAX, WHICH THAT DEBT SHOULD BE REMOVED, AND DELETED. THIS IS THE DEBT I STILL SEE ON MY CREDIT KARMA CREDIT REPORT. 


Derogatory marks 1 1 collections / 0 public records Fair Rating High Impact Learn more about ratings Based on your credit report information from Equifax on XX/XX/2023. 
We noticed negative marks on your report Derogatory marks generally stay on your report for 7-10 years, but their effects can start to fade over time. 
Karma Pro Tip The federal Consumer Financial Protection Bureau has excellent resources for dealing with debt collection. 
Collections XXXX XXXX XXXX Opened XXXX {$450.00} If you have a collection Since debt collectors need to have proof that their info is accurate, you should dispute a collection if anythings off. 
Know your rights debt collectors cant keep calling you. 
See if its worth negotiating your debt. If its old, you might just wait for it to fall off. 
If you have a public record Public records like bankruptcies, civil judgements, and tax liens are harder to remove. 
If any info is wrong, get documentation and court records to build your case. 
Dispute with the credit bureaus to remove the public record. 
View another credit factor On-time payment history 100 % Credit card use N/A Credit age 14 yrs, 3 mos Total accounts 33 Hard inquiries 0