23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had outstanding balances that were paid on XX/XX/XXXX at XXXX for {$1200.00} and XX/XX/XXXX at XXXX for {$1100.00} that paid the entire balance on my credit card for the month of XXXX with a statement ending date of XX/XX/XXXX and a period ending date of XX/XX/XXXX. They are saying that even though I made the payments on time, they are saying that the payments didn't clear so they are charging me interest on the account. I have never had payments take this long to clear, and was given no indication that their policy toward payments had changed. They are now telling me to pay 5 days in advance, even though the due date is the end of the month ( which would hurt me as a consumer to prevent me from continuing to earn interest on those funds for 5 days because of their unmentioned change in policy ). I also have the account set up on autopay for the full remaining balance to prevent interest from being charged, which is misleading because I was still charged interest even though my payment processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank is reporting account number XXXX twice as a charge off account to XXXX. On page 23 of the XXXX report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the XXXX report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact TD Bank Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, TD  Bank has refused
Product: Money transfer, virtual currency, or money service

I have had a Coinbase account for many years and I use my thumbprint ( biometric login ) to login to my account with the app on my phone. One day roughly 4 months ago, I went to login with biometrics, and the app was fully logged out and asked for my password. It had been over a year since I logged in with my password and I entered it incorrectly two times. I was then blocked out of my account with a message that read " Blocked. Your account is currently restricted. Coinbase will review your account internally and will send an email once our review is complete for further information ''. 

After a few weeks past without hearing from them, I contacted their customer support on XX/XX/2024. I provided all the documents that they asked for and was told that my case was being escalated to a " specialist '' and they would contact me soon via email. I received an email form Coinbase asking for a screenshot of the error message that I was receiving and I sent it to them. After not receiving a response for over a week, I emailed again on XX/XX/2024 asking them what's going on. 

I received the following response the next day : " XXXX XXXX, We wanted to go ahead and acknowledge that weve received your inquiry. Also, because you've previously written to us about this same issue, we're going to merge your cases into a single email thread. Were working hard to quickly address this issue, and well reach back out as soon as we have an update. 

In the meantime, if you have any other questions about this issue please feel free to reply back to this email. 

Regards, Coinbase Support thread : XXXX : : '' Since then I have responded to their email on 8 different occasions, and have not received a single response to date. I have called their customer number on 10 different occasions and have gotten nowhere. I only get connected to a call center in the XXXX, with a representative that reads a script back to me and the call ends with them telling me that a specialist will reach out to me via email. It has been over 4 month and all my my funds and crypto assets are locked up with Coinbase, and I can not even log into my account. I have asked to speak to a supervisor on the phone but their only response is that one will email me, and it has been over 4 months with no response. 

I desperately need access to my funds and am at a complete loss as to what I can do next!
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell ill due to XXXX  and I was unable to make my payment which caused me to have a 30 day late payment. While being ill I spent a lot of time trying to get ahold of someone who can help me over the phone. The payment was 30 days late. I have NEVER in my life been late. Especially with this company. This is my 3rd account with American Honda finance. I have spoken to customer service and I wrote a letter explaining my unfortunate circumstances and I was denied. I dont think it was right as it was a health related issue that I could not control. I should be able to get a one time courtesy as before and after that late payment Ive never been late. I understand business is business but I was fighting for my life and not able to get this one 30 day late payment removed
Product: Debt collection

Received multiple calls from L.J. ROSS & ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, XXXX who is handling a debt for XXXX XXXX XXXX XXXX XXXX ) that is around {$110.00} and I have told the rep that the debt has been paid through XXXX. Regardless, the rep tried to collect payment as she refused to do her due diligence and tried to manipulate me into paying as she said I need to pay. Also, during the call, the rep provided me the last four digits of my social BEFORE confirming my identity and provided my previous addresses and full name. I was not comfortable with that and I would appreciate this matter be followed up on. I called back and discussed my concerns with someone who said they were a manager but, this is not the first time Ive had an issue like this with this collection company. Behaviors like this create XXXX! Especially during these unprecedented times where fraud and scams are forever exercised for monetary gains. I confirmed with XXXX that my account is current and am eligible for new service since I do not have a previous balance. XXXX told me that I do not need to provide proof to the collection agency and I am OK. I am being told conflicting information from XXXX and LJROSS. This collection agency made it appear that I NEEDED to pay THEM or the debt will not be effectively removed from collections. This company has been a pest and creating problems for me. I do not want this on my credit since, it is not valid. Ive disputed via XXXX and it was removed but, they still continue to call, relentlessly. Even AFTER it has been removed. It is still on the other two credit bureaus. I want them to remove it. Please note that the amount that I paid was higher than what was due but this amount will be credited towards my future account. I have proof but will not attach it due to not wanting the company to keep for their records. The specific incident mentioned in the above comments was on XX/XX/20. On this date, there were 3 separate calls placed, an incoming and two outgoing. I returned a missed call from the company, and called back and spoke to a manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX lied to me that no hard inquires would be performed on my credit. lETTER ACKNOWLEDGING THIS ATTACHED. Looking ffor monetary damages due to FCRA violation
Product: Debt collection

I received a copy of my credit report and noticed the company in question reporting to the CRAs that I owe them a debt. I have tried on several occasions that they verify the information as accurate and send me the method of validations. They have yet to abide by my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX  XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX : XXXX XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX  XXXX XXXX   XXXX  : ( XXXX XXXX : XXXX ) XXXX XXXX Equifax : XXXX XXXX : XXXX. XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( Equifax : XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX/XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX )
Product: Debt collection

I have sent documents and Caine & Weiner Company incXXXX is not responding to me. This is a debt that is alleged and ive been trying to get more information on it.
Product: Credit reporting or other personal consumer reports

i have 2 XXXX  XXXX XXXX inquiries on my XXXX credit report which i gave no permission. the dates were XX/XX/2023 and XX/XX/2023. i am asking for them to be removed they arenot mind.
Product: Credit reporting or other personal consumer reports

I am reporting an issue under Section 605c of the FCRA ( Section 605c of the Fair Credit Reporting Act ). Thank you for your attention to this matter and express your hope for a prompt response. I am reporting an issue of inaccurate information of numerous accounts that is not mine. This information is highly affecting my credit score and my ability to secure loans. Please remove these accounts. These accounts are not mine. 
Please have these accounts removed as soon as possible. These accounts listed are not mine. 


XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX
Product: Debt collection

I received a notice on my credit report for debt owed from Phoenix Financial Services. I called the company who is handling the debt. They started to read off dates and amounts, telling me they were " medical bills ''. I asked for written information on the debt owed, dates and who they were owed to. The guy informed me all he had to do was legally tell me how much was owed, he didn't have to tell me who it was owed to. He told me to call my insurance company to ask.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report XXXX  months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXXL XXXX XX/XX/XXXX {$150000.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax refuse to remove incorrect personal information. Names and addresses.
Product: Debt collection

I have tried to contact Cavalry on multiple occasions regarding an account they are reporting on my credit report. I have called and each time I call they say they don't have information on the account that XXXX XXXX XXXX does, and they transfer me to them and then I cant get ahold of anyone at this office, This debt was paid XXXX of 2021. I am submitting the settlement letter from XXXX & XXXX dated XX/XX/2021 and the confirmation of payment made.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS NOT IN CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND ALSO TO REMOVE THEM OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately.

Please remove these accounts from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A company called fair collections and outsourcing appears on my credit report attempting to collect a debt of roughly {$2700.00} that is 1. incorrect and 2. past the statue of limitations and 3. does not belong to them. This is appearing on my equifax credit report only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX  and noticed there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved credits and loans. I already reached out to the credit bureasus about this multiple times and they keep violating my rights under 15 USC 168b. 

XX/XX/ - hard inquiry - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - hard inquiry - XXXX XXXX XXXX XXXXXX/XX/ - hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX  - hard inquiry - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  - hard inquiry - XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Product: Payday loan, title loan, or personal loan

OPPLOANS offered me a loan and are charging {$150.00} every 2 weeks to pay back, which I think is a payday loan? I also obtained a loan from XXXX XXXX for a couple of XXXX dollars less than OPPLOANS and they are only charging me {$47.00} bi-weekly. How can OPPLOANS charge so much when the other company charges almost 3 times LESS?
Product: Debt collection

I have asked these collections agencies on several occasions to provide me with proof that the debts belong to me. I have also asked for XXXX XXXX XXXX and NATIONAL CREDIT SYSTEMS INC to proved me information such as : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 

Under the FCRA, unverified, invalid accounts must be removed. 
If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 

I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.
Product: Debt collection

I get numerous phone calls from this phone number and it is for someone else ... They have the wrong number. It is a robo-call, so I can never speak to anyone to correct the error. They call every day at least once. The name on the caller ID says it is PENN Credit Corp. I do n't have any outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX  Account #  XXXX  ''
Product: Debt collection

I received a letter from XXXX XXXX, dated XXXX/XXXX/XXXX. It was a settlement offer stating I had a balance of XXXX due. However, they would accept 45 %, or {$230.00}. 

The letter advised I had 60 days to accept the offer. 

On XXXX XXXX, XXXX, I received notice from the credit bureaus that the collection account had been added to my credit report. 

On XXXX XXXX, XXXX at XXXX, I called Convergent Outsourcing and spoke to a gentleman named XXXX XXXX XXXX I explained the situation, asked him to removed the collection account from my credit reports as the settlement letter has not expired and he refused, asking me to state which law says he must do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX  XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.