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

I co-signed a card for a friend who was getting {$3400.00} to have lasik eye XXXX. it was a line of credit for medical expense. The person who was making the payment was locked out of her account online and she tried, has several emails back and forth trying to fix that problem. She started paying over the phone because they do not send statements and she has no emails from them. I do not get anything. I found out my credit score went down by more than XXXX points because they reported me for not paying. Although i was a co-signer, i was never given any notification whatsoever that this was going into collection. My credit report shows a collection. When i called the company i found out it is not in collections. HOwever, the statement on this account shows {$2500.00} due. When i called and on my credit report, it shows {$5600.00}. They hung up on me when i wanted a printout of how they added this much to the balance and is it legal for them to ruin my credit without giving me an opportunity to fix it or pay?
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. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently paid off a Citi card in full before it reached my credit report. When I paid it in XXXX of 2013 it was explained to me that it would not report on my credit report. I recently had my credit report pulled for personal reasons and saw they did report it after it was paid. I would like them to consider removing it off of my credit reports.
Product: Vehicle loan or lease

I applied with my credit union Pentagon Federal Credit Union to get pre-approved for an auto loan for {$60000.00} on XX/XX/XXXX. I ended up not purchasing the vehicle and never signed a vehicle contract or take delivery of any vehicle. I went to my XXXX XXXXnline account this evening and noticed that there is an auto loan reporting for {$60000.00} on my credit report. I do not own this vehicle nor did I ever sign a contract for this vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I be paying for credit protection an now I need to used I send medical reports am XXXX  is going to be 3 months I my payment is overdue I call they say when time for payment they respond is 3 months now and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to XXXX, XXXX and TransUnion. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT XXXX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 60 days and I have not received a response yet.I feel like I am being blatantly ignored by the bureau. Section 611 ( a ) of the FCRA says that a failure to investigate these items within 30 days is a sufficient reason to remove to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted or I will file for litigation due to the emotional stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Rent recovery is false reporting saying i owe them money when i never signed any contract or lease with them ... .. this is affecting my ability to rent elsewhere. I would like this to be immediately removed from my account.
Product: Debt collection

I had a vehicle with them before some 1 hit me on the seducer side door an bent it a little so I was told to drop it off at a repair shop in XXXXThen was told it would take some time to get it fixed the lady who hit me insurance paid for my rental a day later the shop called me an said my car lot totaled to car out without them telling me an forced me to get in another car from the same car lot an also had to put money down on a vehicle I did not like or want but had no choice at the time an I never received any paper work or nothing an I was asking for it about 5 months then the car had problems an the lot told me we are backed up right now so we dont know when we will be able to look at it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had {$3800.00} USD in my coinbase account to transfer to my bank. I went to login in to add my banking information and Coinbase froze my account and has been holding this USD hostage. I continuted to attempt to contact coinbase, but they have no phone number or email and only bots answer their inquiries. I opened up a formal complaint with coinbase who then tried to close my account. Attempts to communicate to coinbase are on ... 
XXXX : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX On XX/XX/XXXX, a formal complant was recognized with case # XXXX On XX/XX/XXXX i submitted an escalated case that would not reply until the former complaint was solved. Complaint # XXXX The issue is that I have USD in my coinbase account, but coinbase will not allow me to access this cash to transfer to a bank or other location. They will not respond or reply. The escalated case and original complaint are a dead end.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Equifax on XX/XX/year> about my XXXX XXXX Account for one not showing an updated balance and two not being reported for over 45 days. Equifax DID NOT contact the lender and closed my dispute within one day. They are in violation of ( 15 U.S.C. 1681e ( b ) ). The fact that they closed my dispute without researching it and the ignorance of not noticing a credit card that reports monthly has not been " reported '' or updated by them since XX/XX/XXXX. Equifax is not contacting lenders and are reporting inaccurate information. When disputing with them they close disputes by " verifiying information as accurate '' all other bureaus have updated but they have not. They are commiting blatant fraud and not talking to lenders or updating correct balances.
Product: Mortgage

When my loan was transferred in XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan then later my payment increased to {$1400.00}. But I have proof of payments. I am attaching a few of the most recent payments to this complaint To make my situation worse, I was diagnosed with XXXX. I just finished XXXX in XX/XX/XXXX and I made my last medical payment of {$800.00} recently. 
I am old my health is not so great and the thought of losing my home takes a toll on me. 
I need to know what happened with my payments of {$990.00} that were sent. 
Had my loan not been transferred, I would not be in this mess. 
I have proof that I was not behind since XXXX. I applied for a loan modification in late XXXX of XXXX and I was denied. They state they can't help me because I am more than 6 months behind ( which is clearly their fault ), my hardship has not been resolved and that the P & I payment amount is greater than the pre-modification P & I amount. 
The million dollar question is, " WHERE ARE THE PAYMENTS I MADE TO DITECH? '' I am financially stable because I can work all the overtime I need, WHICH MEANS I HAVE NO HARDSHIP. I sent them all my financial information and yet, what hardship are they referring to? My intention is to may my loan in full and keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX transferred to, XXXX XXXX account is inaccurate, and based on CFPB findings this is due to fraud and identity theft as the full outstanding amount was paid to the collection agency. Since this fraud account was paid by me months ago, I request that the account be deleted because it is hindering my life and it negatively impacting me. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid to the collection agency that we agreed to settle and statements proving that I successfully made payment. 
15 U.S.C 1681 Section 602 A States I have the right to privacy In accordance with the fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights as it is a fraud account and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.
Product: Student loan

Navient ignored my " borrowers '' best interests in violation of its government contract to prevent borrowers from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ),  so that Navient could continue to earn fees. 

During XX/XX/XXXX - XX/XX/XXXX I was advised by ancient to enter into an unemployment deferment. I was eligible to enter into an IBR that would count towards my 120 payments in a PSLF program. In XX/XX/XXXX, I was then advised to enter into standard repayment. Only because I could not afford repayment I looked into the matter further and realized I could have been an an IBR plan. 

During XX/XX/XXXX - XX/XX/XXXX, I went against advisement and managed my account and entered an IBR. My financial situation was exactly the same as the previous 3 years. I was part-time employed at several colleges working over 30 hrs. In fact, since I was working over 30 hours I did not qualify for the deferment that was suggested. 

I am requesting that the months from XX/XX/XXXX - XX/XX/XXXX be  counted towards my IBR. I am willing to pay back payments at the same rate that was determined for the period between XX/XX/XXXX - XX/XX/XXXX. 

My current IBR payment is slightly high because I am now full-time which is a different financial situation. 

I have requested documentation from navies but was referred to my online account. they informed me all the information I need is there. but dates on deferments do not show.
Product: Bank account or service

I opened an account with Fifth Third bank on XX/XX/XXXX. I received my retirement income by auto deposit on XX/XX/XXXX. I also had made a deposit of {$500.00} by Phone pic which was a CASHIERS CHECK. I went to bed on XX/XX/XXXX with {$120.00} in the bank. I woke up on XX/XX/XXXX to find that I was negative {$300.00} in fees because they decided that they could read the Computer printed Cashiers check. I took the check to the bank personally and they still want to charge late fees. Now they are going back and simply cancelling all of my payments I made by computer ( Heath Insurance, Car Payments ) to add positive money to their account which is all negative fees. NO END IN SIGHT. They refuse to remove fake negative fees.
Product: Debt collection

I am a XXXX and they are calling the XXXX saying that they need to speak to me about a debt that I owe. I have informed them to send anything that they believe that I owe on paper by mail. They have been told Do Not contact me at work or speak to my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$980.00}, I do not have a contract with the collection agency, they did not provide me with original contract as I requested. Ive recently in the month of XXXX ask for debt validation from the debt collector and they refused to provide it. According to Law violation 15 U.S.C 1681G, I asked if they could validate this information and they refused. I ask to validate the information below : Please provide me with the original purchase agreement here.

A breakdown showing proof that Im liable for this debt with my name/signature showing Im going to pay {$980.00}.

A contract between you and the original creditor.
Product: Credit reporting or other personal consumer reports

Cash App ( Block, Inc. ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint and Demand for Compensation Due to Lost Funds To Whom It May Concern, I am writing to formally dispute the loss of my funds in the amount of {$1900.00}, which was sent via Cash App on XX/XX/XXXX, [ XXXX  ], as evidenced by the attached transaction records. Despite multiple attempts to resolve this issue through Cash Apps customer support, I have received no adequate resolution or refund. 

Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), Cash App is legally obligated to investigate and resolve disputes regarding unauthorized or erroneous transactions. Your failure to provide a timely resolution constitutes a violation of federal consumer protection laws. 

Furthermore, Cash App has faced multiple lawsuits for failing to properly investigate fraudulent transactions and unauthorized withdrawals, demonstrating a pattern of negligence and unfair business practices. If this matter is not resolved immediately, I will be forced to escalate my complaint by filing reports with the CFPB, the Federal Trade Commission ( FTC ), and state regulatory authorities, as well as exploring legal action. 

To resolve this issue, I demand the following actions : A full refund of {$1900.00} to my Cash App account or linked bank account. 
Compensation for financial harm, including any overdraft fees, penalties, or missed payments resulting from this issue. 
A written confirmation detailing the corrective actions taken to ensure such issues do not occur again. 
If I do not receive a resolution within 14 days, I will proceed with : Filing a formal complaint with the CFPB at www.consumerfinance.gov/complaint.

Reporting this issue to the FTC at www.reportfraud.ftc.gov. 
Consulting legal counsel to pursue compensation through a lawsuit based on violations of consumer protection laws. 
I expect an immediate and fair resolution to this matter. Please respond by [ XXXX 14 days from today ] to avoid further legal consequences. 

Sincerely, [ XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

I have transferred USD {$25000.00} through my local bank XXXX XXXX XXXX to XXXX The Funds were held and still blocked at the intermediary bank which is CITI BANK despite my Local Bank - XXXX XXXX XXXX providing them all the information, Citi Bank has not responded or replied to the swift transfer message, either intentionally or due to negligence on their part.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/year> Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX Subject : Dispute of Unauthorized Access to My Credit Information To Whom It May Concern, I am writing to formally dispute and request an investigation into the reporting or furnishing of my personal credit information under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b.

I have discovered that my credit report contains entries or inquiries made without my explicit written consent, as required under 15 U.S.C. 1681b ( a ). To the best of my knowledge, I never authorized [ specific creditor, lender, or entity ] to access or obtain my credit information. 

Under the FCRA, a consumer reporting agency is prohibited from furnishing a consumer report unless permissible purposes are established, and written consent is obtained. If written consent exists, I am formally requesting that you provide a copy of this authorization. If no such authorization exists, I demand that the unauthorized entries or inquiries be promptly removed from my credit file. 

Please provide written confirmation of the results of your investigation within the required 30-day period. If the disputed items are not removed, I request an explanation as to why they were deemed valid, along with evidence of my consent.

I trust this matter will be resolved promptly, as failure to comply may result in legal action under the FCRA. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is against XXXX XXXX XXXX credit card that had cancelled my credit card 2-years ago without any notification. And now it has been forwarded to the debt collection XXXX XXXX. I was asked to pay {$320.00} which I dont understand where has it come from. Recently I have received a letter to pay {$160.00} to settle the case. I dont understand how has it become the case. 

Id also like to mention that there are a few orders that were returned r sent back but XXXX never acknowledged nor did they ever refund the amount back. For instance : 1. Order # XXXX placed on XX/XX/XXXX includes 26-items. They have been returned via XXXX but I have never received the payment of {$1000.00}. 

2. Order # XXXX placed on XX/XX/XXXX includes 27-items. But theres still a balance of {$18.00} that XXXX owe me. 

3. Order # XXXX placed on XX/XX/XXXX includes 20-items. But I still havent received the refund of {$420.00}. The items  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  were returned in-store at XXXX, Montana. 

4. Order # XXXX placed on XX/XX/XXXX includes 35-items which were returned in -store at XXXX XXXX XXXX XXXX XXXX XXXX CA. But I still havent received the refund of {$310.00}. Those returns were merged with the previous Order # XXXX which was supposed to be picked up in the XXXX, CA store which I never did. 

5. Order # XXXX have already been returned via XXXX but a credit of {$370.00} is still missing. 

6. Order # XXXX and XXXX were supposed to be picked up at the store but due to COVID-19 situation, the stores were closed. Its been more than 2-months but those orders are still not cancelled yet and a credit of {$140.00} and {$470.00} are still missing. 

XXXX sometimes harasses their customers to pay the bills/charges which do not exist, but often forget to pay back what they owe.
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. 

XXXXXXXX XXXX XXXX XXXX Account 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 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: Debt collection

I was a victim of identity theft. A XXXX XXXX account was opened resulting in me having a balance of {$920.00}. I contact XXXX XXXXXXXX they they took it off my credit report and apologized. Now midland credit management. Is trying to collect and its on my credit report. I dispute it and they trying to say they records are accurate.
Product: Credit reporting or other personal consumer reports

Received a letter from chase bank stating I was denied for a credit card when I didn't apply
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the XXXX Credit Bureaus, my attempts to request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, hey have failed to comply with the FCRA section 605b and have been claiming that the disputed items are verified and accurate. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that by submitting this CFPB Complaint, the Credit Bureaus may be able to help me and have these items deleted as soon as possible. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX