23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have tried to complete work out payments with this company due to the Covid 19 and being laid off of work. Exeter Finance has stated they will not work with customers in the state of California, no more than 2 months deferments, even though they are still affected with the Covid 19. I also called to let them know we are in the process of filing for bankruptcy, at first they refused to take the information from me as I am the spouse and not the main account holder. 

This company with the outrageous rates as well as unwillingness to work with not just us many of their customers during this Covid hardship has been stressful and actually predatory collections/ lending. The lack of compassion this company has for it's customers is unbelievable. At the beginning of this Covid outbreak they were refusing to work with customers, and as we continue to see hardship of being out of work, they still continue to state it is their business decision to not assist any further than 2 months regardless of the Covid out break.
Product: Bank account or service

PROPERTY LOCATION : XXXX XXXX XXXX, CA XXXX WE HAD A HOME MORTGAGE THROUGH WELLS FARGO BANK FROM XXXX XXXX - XXXX XXXX. THE ENTIRE FOUR YEARS WAS EXCEEDINGLY EXPENSIVE IN REGARDS TO FEES, CHECKING ACCOUNT FEES, PMI AND CLOSING THE SALE TO STOP WELLS FARGO BANK ON OUR NAMES. WE SUBMITTED REQUESTS THREE TIMES TO PROVE WE HAD ENOUGH EQUITY TO PAY OFF ANY/ALL SHORTAGES IN ORDER TO HAVE THE PMI WHICH WERE EXTREMELY HIGH FEES - DISCONTINUED. I TALKED TO A NUMBER OF PEOPLE FROM WF BANK AND THEY KEPT REFUSING EVEN THOUGH WE HAD A NUMBER OF PEOPLE TELLING US THAT WE HAD ENOUGH PAYMENT HISTORY AND EQUITY INCLUSIVE IN PROPERTY TO HAVE PMI DISCONTINUED. WE FEEL THIS PRACTICE BY WELLS FARGO IS VERY UNFAIR, DISHONEST, AND UNJUST.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. 

XXXX  CONTINUES TO REPORT THIS INACCURATE INFORMATION EVEN AFTER I MAILED TO THEM COPIES OF THE USPS POSTAL INSPECTION SERVICE CRIMINIAL INVESTIGATIONS DIVISION REPORT AND COPIES OF COURT ORDER SHOWING THE APPOINTMENT OF A FINANCIAL CONSERVATOR ABSOLVING ME OF FURTHER RESPONSIBILITY AND DUTIES AND ABILITY TO HANDLE MY OWN FINANCIAL MATTERS SINCE THE CONSERVATOR RE-DIRECTED ALL MY MAIL TO HIS OWN OFFICE AND ENGAGED IN MISMANAGEMENT OF MY ACCOUNTS AND FINANCIAL DISHONESTY BY BILLING FOR HIS OWN ACCOUNTS FIRST AND TELLING THE COURT HE HAS BEEN PAYING MY ACCOUNTS AND CHARGING ME FOR DOING SO.
Product: Money transfer, virtual currency, or money service

While using Zelle the proper disclosures were not available I have previously in error sent funds to an incorrect phone number and when called for assistance to recover I was advised that nothing could be done as funds were sent
Product: Debt collection

This company is trying to collect on a debt that I do not owe or have any knowledge of. This company removed the debt from my credit file and added back on the same exact day. They have not forwarded any proof bearing my signature connecting me to this debt. Per FCRA they was supppose to notify me in writing that the removed debt will be added back to my credit file within 5 days and they failed to do so. This company is in direct violation of federal laws, also I sent a validation letter to asking for proof of this debt and have n't received it.
Product: Debt collection

XX/XX/2021 {$230.00} I tried to dispute .I dont recognize the account or company
Product: Credit card or prepaid card

I set my XXXX on auto pay for payment. During the setup, I didn't know the setup took the original set for {$3400.00} and payed on XXXX ( transaction reference number XXXX ). During the process, I didn't believe took, so XXXX setup auto pay for second {$4000.00} to ensure the payment was setup. 

I am a XXXX  veteran, and I am out paying at a doctors appointment when my AMEX was declined, I was astonished because I just made a payment XXXX on XXXX. I called AMEX when they explained me its there policy that the payment has to be declined XXXX times before they will reactivate my card for use! This seems highly wrong for someone that just made payments and this extra transaction that was cancelled with XXXX and cleared with XXXX STILL on XXXX XXXX my card is inactive, made an attempts to stop it and clear it with AMEX with prevail.
Product: Debt collection

I noticed this account from Enhanced Recovery on my credit report and the original creditor is XXXX XXXX  for the amount of {$280.00} that they say it was opened on XX/XX/XXXX like it's a new account. This same account and creditor was disputed twice with two prior collection companies XXXX XXXX XXXX sent a removal letter datedXX/XX/XXXX which they removed from my credit reports and the other company XXXX  sent me a collection noticeXX/XX/XXXX and the dates did not add up so XXXX removed the account off of my credit report. Now Enhanced Recovery has purchased this account and added it to my credit report like it's a new debt which is not legal because one it has been discharged in my bankruptcy and I no longer owe anything on this account and it's not a new account. This is affecting my credit and I would like Enhanced Recovery to remove this off my credit report with all three credit bureaus
Product: Credit reporting or other personal consumer reports

Between XX/XX/2023 and current, Ive been submitting letters for accurate reporting to XXXX. To date, the company allows things to be placed on my credit report without validating the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On XX/XX/XXXX, a XXXX  store decievingly tried to sign me up for a branded credit card. That performed a hard check on my credit file that instantly lowered my score with all bureaus. I immediately contacted XXXX  and they admited to the wrongdoing, removed the hard check and and notified all bureaus. Following this, XXXX ( and I believe XXXX   too ) removed the entry some three months later. To this date, Transunion has not and on the call I had with them on Fri, XX/XX/XXXX, they lied that they can't remove the entry as they were not notified. I know that is false, as the other credit score companies already removed the false credit check. 

Transunion now wants me to obtain a letter from XXXX and send that to them as proof. I consider this request onerous and unecessarily complicated. 
I believe Transunion is affecting my credit worthiness with complicity and should compensate me for wrongly affecting my score for more than half a year. 

thank you for your help! 
XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as other applicable federal regulations protecting consumer privacy and credit reporting accuracy.

Right to Privacy Under FCRA According to the Fair Credit Reporting Act, 15 U.S.C. 1681, Section 602 ( a ), there is a clear mandate to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. Therefore, my rights to privacy must be upheld in accordance with this provision. 
Protection of Nonpublic Personal Information 15 U.S.C. 6801 states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

The furnisher of information to the credit agencies is a financial institution by definition. As such, they are obliged to keep my personal information secure and must not share my data without adhering to the law.

Requirement for Written Consent Before Furnishing Information 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 
Neither Equifax, XXXX, XXXX, nor the furnisher of information have received my written consent to report or share my private information. Any prior consentwhether verbal, implied, or otherwiseis hereby revoked.

Right to Opt Out of Disclosure 15 U.S.C. 6802 ( b ) ( c ) clarifies that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never informed of my right to exercise a nondisclosure option.

Furthermore, 12 C.F.R. 1016.7 states, A consumer may exercise the right to opt out at any time.

I am formally opting out of any reporting or sharing of my personal or financial information by these entities.

Accuracy and Reasonable Procedures Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), a furnisher of information 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.

15 U.S.C. 1681e requires every consumer reporting agency to maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
Equifax, XXXX, and XXXX are not maintaining reasonable procedures, because they continue to publish and distribute inaccurate, outdated, and unverified information despite the statutory requirements.
Product: Money transfer, virtual currency, or money service

I am contacting you to report a fraud perpatrated on me by the company Coinbase located in XXXX California. On XX/XX/XXXX I placed a sell order wire for XXXX Btc or {$360.00} from my Coinbase account to my credit union bank account, Coinbase transaction history notes showed that the transaction ( XXXX ) was completed on XX/XX/XXXX however the funds were never received by my bank. I contacted Coinbase via email and phone over a dozen times as well as sent them bank statments It is now XX/XX/XXXX they have never once looked into the case and have not returned my missing funds. I sent the requested documents including my bank statments to prove funds were never received to XXXX@Coinbase.com. I also contacted support XXXX in XX/XX/XXXX XXXX a manager on XX/XX/XXXX also several other managers and support members and have email corespondance as well in each case, they say that thier team will fix it but I have never received one email from the Coinbase internal team that is supposed to fix and return the money. I feel over 4 months should be a more than reasonable amount of time to correct this error and return my funds and and is also a clear violation of thier printed resolution timeframe of up to 45 days. At this point I am not sure what they are doing with missing customer funds but feel I have been mislead and misrepresented by Coinbase. 


They have a policy clearly noted on thier website that they have not followed, I have copy pasted it as follows : ( We will determine whether an error occurred within 10 business days after we hear from you and will correct any error resulting from a technical mistake, misrepresentation, or omission by Coinbase promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. 


We will tell you the results within three business days after completing our investigation. If we determine that there was an error, we will promptly correct the error. If we decide that there was no error, we will provide you with a written explanation. You may ask for copies of the documents that we used in our investigation. )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my XXXX credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by XXXX and XXXX XXXX. XXXX has repeatedly refused to block items by XXXX XXXX   on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX   has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.
Product: Credit reporting or other personal consumer reports

The Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. 

Secondly, in accordance to 15 USC 6802 states we can opt out of anything. That law clearly states that I have the option to opt out of anything and companies are supposed to send this to us every month and I never recieved one from XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX  According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your company is in clear violation of the law, under 15 U.S. Code 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish all the above accounts on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; As stated above, delete the above late payments AND account statuses from my consumer report, this agency in in violation of 15 U.S. Code 1681.
Product: Consumer Loan

I co ntacted Discover Card to g et a debt loan consolidation. I was quoted 11.99 % and 10.99 % with direct deposit. I decided to shop the loan around for a few days and called back to accept. When I called back, I was again offered the same rates, but I inquired about getting something even lower than 10.99 %. After speaking to a supervisor she ensured me that 10.99 % was the lowest rate they could offer me. I decided to accept the offer and when I received the paperwork I noticed they kept the rate at 11.99 % and did not lower to 10.99 % as promised with direct deposit. I have all of this on a recorded line and they are refusing to honor their initial request.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX 2023XXXX XXXX XXXX  2023-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3800.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3300.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$7500.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$2200.00} I'm just concerned with the certainty and precision from your current inspection together with the missed payments meant for this particular account and also how it is reporting on my credit report. Around 45 days ago I demanded an investigation on the grounds that I noticed the item is just not being recorded recently. To my shock, I have gotten a notice mentioning that your examination was achieved and that the item had been " tested as reliable. Within Section 1681 ( g ) please make sure to generate me along with a brief description of the process utilized to validate the account is " reliable '' and give me the name and addresses of persons asked in every rule found in the FCRA.
Product: Debt collection

After living at XXXX XXXX XXXX for 6 years, i became XXXX as i am now on XXXX XXXX XXXX XXXX, i tried reaching agreement prior to the eviction and eventually the took me to court and put me on the street. I am not saying this debt is not owed i am saying that the finally agreed to settle for {$7000.00} after they threatned many times lawsuits, jail, credit issues etc. The staff there was very abusive and as a near senior citizen i except better treatment than this. What i really need done is the account is showing joint and it was my account only never belonging to my wife as she did not even speak XXXX when she was maid to sign it. We were told that she had to be on the lease becasue that the law in florida but she would not be financial responsilbe. I will resolved it with them but i want my wife removed from this lease.
Product: Debt collection

I was contacted by IC System on XX/XX/year>, who advised me that I owed XXXX to XXXX XXXX XXXX in XXXX Indiana, which is my doctor 's office. They advised that they do not purchase debt, but the amount was owed to XXXX XXXX XXXX and they were attempting to collect on their behalf. I asked for a debt verification letter including any original contract or promissory note. I never received any such letter. 

I went to the doctor 's office on XX/XX/year>, and they advised that I do not owe any amount at this time as it is still going through insurance. On this day, I also called IC Systems back, then they immediately attempted to collect the amount again. I advised them to check with XXXX XXXX XXXX, as I had verified with them that I did not owe them anything at the time, and that if they continued to contact me I would be contacting an attorney, as this was a violation of the FDCPA. 

On XX/XX/XXXX, received a letter from IC systems advising the amount was past due, as asking for my attorney 's information. I contacted the billing department of the doctor, who advised me again that I do not owe any amount at this time, IC Systems is not affiliated with them, and they are most likely a scam. I have now placed a call to an attorney 's office to look into trying to get representation in this matter.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXXXXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XXXX of 2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. XXXX XXXX XXXX acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.
Product: Mortgage

We have a HELOC with First Tech Federal Credit Union, which has always had a zero balance, and they charge us a {$100.00} annual fee to keep the account open. We never received any notification that it was time to pay our {$100.00} fee in XX/XX/XXXX, but we noticed the {$100.00} balance when we logged in and we paid it before the due date. Without our knowledge, they also charged us {$0.00} of interest on that {$100.00} fee, which wasn't reflected in the balance due so we didn't know about it. Because we didn't pay the {$0.00}, it appeared as past due so they added a {$5.00} late fee to our account. They never sent us a notification about any of this, and whenever I logged into my account it showed a balance of {$0.00}. In XX/XX/XXXX, they reported the account as " delinquent '' to the credit bureaus because we had an unpaid balance of {$5.00}, but they never told us that we have an unpaid balance and it still shows a balance of {$0.00} when I view my account online. When I called their customer service department, the representative was completely unapologetic and made it seem like it was all my fault. Now their mistake is negatively affecting my credit score, which isn't right.