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

You are in Direct Violation of The Fair Credit Reporting Act XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

I am writing to dispute the following information that appears on my all my credit reports from XX/XX/XXXX : XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account is incorrectly reporting that I have XXXX late payments. On my Equifax report there are XXXX late payments being reported. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX and a balance of {$360.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Product: Mortgage

I emailed all my personal documents to Ms XXXX and filled out the form on Wells Fargo website. She called me on the phone many times and spoke to me. Told me I would get the REFI with a rate 3.45 commiserate to my credit score. She said there is no reason I could not be paying the amount she asked me how much {$1800.00} that is so much more affordable ( she did some calculations while speaking to me ). She even told me that I would stop paying the FHA insurance payment. But wells fargo did not give me the loan modification NOR refinance AT ALL. They sent me a denial letter with absolutely no reason listed. They treated me with bias and want me to keep paying the ridiculously high mortgage amount. 
Modify the loan to make the payments lower. I am a single mother of XXXX kids. I am trying to keep my kids straight, keep a roof over their heads and send them to college. 
This whole mortgage fiasco is set up to take advantage of naive trusting consumers such as myself.
Product: Vehicle loan or lease

Purchased XXXX XXXX XXXX XXXX through XXXX XXXX XXXX 
In XXXX it was repossessed. The fees kept going up, and we were charged Insurance fees through the finance company in addition to the full coverage we had through our own insurance company. We were not notified until it was too late and we were behind on fees. The XXXX was repossessed after we made arrangements to catch up and resolve the issue.
Product: Credit reporting or other personal consumer reports

Iam writing to formally submit a complaint against Equifax for its refusal to address my disputes regarding unauthorized hard inquiries on my credit file. I have made multiple attempts to resolve these issues directly with Equifax, but the company has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not investigating or taking appropriate action in a timely manner.

I recently became aware of similar allegations made against other credit reporting agencies for unlawful practices, including failing to reasonably investigate consumer disputes regarding information in their reports. My personal experience with Equifax aligns with these issues and highlights the detrimental impact of the companys practices on consumers like me. 

Specifically, my concerns are as follows : Unauthorized Hard Inquiries : My credit report includes hard inquiries that I did not authorize, which I have repeatedly disputed with Equifax. Despite providing supporting documentation, Equifax has refused to remove these inquiries. 
Failure to Resolve Disputes : XXXX refusal to investigate or act on my disputes has caused significant challenges to my financial well-being. 
XXXX lack of action has resulted in substantial financial and emotional distress, including difficulty obtaining credit on fair terms. This neglect and noncompliance with the FCRA are unacceptable and warrant investigation. 

I am requesting that the CFPB : XXXX XXXX failure to address the unauthorized hard inquiries on my credit report. 
XXXX Equifax complies with its legal obligations under the FCRA to promptly investigate and resolve consumer disputes. 
Take further enforcement action if XXXX practices are found to continue violating consumer rights. 
Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to protect consumers like me from XXXX harmful and unlawful practice
Product: Money transfer, virtual currency, or money service

Good night. I describe the problem below. 

I have an account on Coinbase.com associated with the email XXXX, with which I am having access problems. 

They notified me from Coinbase, through emails, that I have to withdraw my funds until XX/XX/XXXX of this year. Yesterday and today, Saturday, I have been trying to log in repeatedly, through different web browsers, and I can not access it. 

When I log in to coinbase.com, it asks me for my access information, which it accepts correctly and directs me to an Updated User Contract, to which after accepting the contract I am directed to a 403 ERROR page. In this way, I do not I get to enter completely. 

I have tried to communicate, however, since I can not log in, I did not know how to ask the company for help. So, I researched the web and found that other users are having similar problems that are not being addressed effectively. I was also able to find information that some users received a response after going to the CFPB, which gave me a little peace of mind since time is passing and I am worried that I will not be able to resolve the problem until XX/XX/XXXX and they will block me completely.. 

I also went to https : //help.coinbase.com/en/contact-us, where through the wizard I have not been able to find a way to solve the problem. I read on XXXX, from the comment of the coinbasesupport account ( official Coinbase support account ) that on this site you can send a form with the claim case, but I did not find any form available to do so. 

Now, out of concern that XX/XX/XXXX will arrive, and knowing that there are users who are not getting responses from Coinbase until after weeks, and they block me completely on Coinbase, I come to you ( CFPB ) knowing that you have been very effective in helping other users to solve this same problem I have. And I thank you in advance. 

Note : I will attach screenshots of the problem and what I describe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not get a rep on the phone that could tell me why the inquiry was made.
Product: Debt collection

On XX/XX/2021 Capital One Accounts LLC report the amount of debt of {$250.00} as derogatory on my credit report. Capital One Accounts LLC has been harassing me through repeated phone calls to verify my correct identity in which I was not aware of the debt and my personal information was sold.
Product: Debt collection

insurance company paid for this radiology bill, my documents stated insurance carrier paid the balance in dispute, i informed them several times, with documents several times,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, my personal information was compromised, resulting in unauthorized accounts and inquiries that are listed below. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Unauthorized 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. SPRINGOAKCAP : Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I am contacting you regarding complaint # XXXX. I asked that you all send itemized receipts and proof of investigation and I have not received. Please advise a data furnisher is not a complete investigation. Please advise the 30 day window is complete, which means that legally you have to delete the reporting of XXXX XXXX. I am disgruntled and demand the reporting be removed immediately as it is a violation of my FCRA rights. Please remove the account below. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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

I contacted all three credit bureaus advising them I was a victim of identity theft. I asked for a freeze to be place on the account with transunion, I left the freeze on for 6 months. I needed financing for a home, and needed the freeze remove. I called and they stated they was unable to remove my freeze. I needed to log on to the system XXXX complete the transaction. I was unable to complete that because the site had issues and was unable to locate my information. I spoke to a representative and stated the freeze was lifted for thirty days. I applied for the home and was denied, they never released the freeze.
Product: Debt collection

I never opened up or applied for a loan from Fortiva. This is identity theft this is not debt
Product: Credit reporting or other personal consumer reports

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. Iam writing to request the removal of unauthorized credit inquiries on my credit report
Product: Mortgage

I recently completed a refinance with XXXX. The second month the payment was due, they changed the loan number and address of where to send payment. I sent the payment in under the new loan number and sent to the new address. XXXX states they never received payment. I confirmed payment with my bank and have proof of payment. I have called XXXX a few times and have gotten no where with the issue. 
On XXXX/XXXX/XXXX, I faxed all the proof of payment documentation over to my XXXX XXXX, XXXX XXXX. She agrees that the loan was paid by the information I sent her. 
We did a 3 way conference call with XXXX, the Customer Service XXXX XXXX. He states they still have not received my payment! He also states that this happens all the time because the loan payment goes from XXXX XXXX to New Jersey. It will be the XXXX of the month in a few days and I will have another payment. I am afraid to pay it again since they have already lost XXXX XXXX payment. Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX
Product: Student loan

Hello, I have recently been trying to get my renewal date updated to reflect my accurate renewal date according to the Federal Student Aid ( FSA ) website. I spoke to a call center employee who was apparently putting me on hold and corresponding with a supervisor. My initial renewal date was XX/XX/2024, but I messaged them to let them know I didn't need to renew according to the FSA site https : XXXX ( " When do I have to recertify my XXXX plan? '' ) where it says my renewal date will be pushed out a year. After some correspondence with the supervisor they said that my actual renewal date was XX/XX/2024, conveniently, a few days after the cutoff for pushing the renewal date out, which is XX/XX/2024. 
Additionally, " XXXX '' page on the FSA site says " On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the COVID-19 payment pause, you dont have to update us yet. '' So, according to the FSA, I also do not need to recertify yet. 
I fear that they are trying to mislead me into recertifying early, which I have read online is happening to a lot of people. 
It also seems like they're misleading me because they said my recertification is on XX/XX/2024. Which is 1 day after my next payment, and they already increased my payment amount from my IDR amount to the 10-year amount for my payment due on XX/XX/2024. That makes no sense, if my recertification date was XX/XX/2024, then my payment wouldn't change until after that. 
I have messaged them 3 times ( once on XX/XX/2024 and twice on XX/XX/2024 ), I had to call them, and they said a supervisor would call me back. I did this on XX/XX/2024, but they did not call me back. I will call again tomorrow. 
Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$750.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX  - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX NOT RECOGNIZED XXXX  XXXX Bankruptcy XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am a XXXX year old XXXX individual receiving social security XXXX. I attempted to take advantage of a program within Medicare/XXXX  called XXXX XXXX that allows individuals to attend health centers free of charge from my health insurance. The facility called XXXX XXXX  is located in XXXX XXXX, Florida. 

While signing up for for XXXX XXXX  one of the managers offered me to join a separate fitness program that would help with my XXXX in my XXXX and XXXX. The plan consisted eight sessions a month for a hour a session totaling eight sessions a month which would cost {$150.00} per month. He also said that it wasn't contract and i could stop whenever i wanted. So i decided to sign up thinking that If i didn't see any meaningful progress I could just stop. 

After giving him my Capital one credit card and swipped it he then informed me I was responsible for three months of sessions at {$150.00} per month. I protested and that he said the program was not a contract and I could stop anytime. He refused to cancelled the fraudulent agreement. 

Immediaately I called Capital one to cancel the credit card payment.The representative at Capital one asked me if the contract agreement say that I had thirty days to cancel. I read the agreement it did state that i had thirty days to cancel.. The Capital one rep. said there was nothing else I needed to do but just wait for my credit care to be credit back the $ XXXX.About a later Capital one sent me a letter swhich i have in my possession, saying the 1 {$150.00} was credited bak to my card. 

About a month later Capital one sent me another notice stating the {$150.00} was reapplied back to the merchant an an additional {$300.00} would be credited to the merchant because, " the merchant provided other information that ruled in the merchants favor., When I asked Capital one to provide me with the " other information '' they tell me anything concrete and I was referred to to an 17 page  document they sent me telling me nothing. 

I feel I am a victim of deception, misrepresentation, and fraud by both Capital one ad XXXX XXXX. As a remedy I want Capital one to credit my account back the {$450.00} they are charging me. 

If any other documentation proving my case is required I can mail or fax you the documents as soon as possible ... .. 

.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX has been contacting me about a debt. I called her back once and she was rude, unprofessional, and tried scare tactics to get me to agree to a new contract when I told her I still had questions. She said I only had a few minutes to decide and used abusive language. When she knew I wasnt going to agree to something without getting my questions answered and understanding, she hung up on me. When I asked to speak to her supervisor via email, she ignored my requests.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX BY SILENCE XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.