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

Equifax mishandled my information which puts me and millions of other people at risk. I am also mentioned as a potential victim according to their XXXX website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened XX/XX/2013 ( 6 yrs, 1 mos ) XXXX XXXX XXXX i was victim of fraud with this account on my equinox and experian report with the dates listed. it is very much a problem, thank you for your help.
Product: Debt collection

I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXXXXXX / {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing a deep dive into my credit report I noticed a significant amount of inaccurate information. There were multiple accounts that reported with different dates and amounts. I even noticed some accounts I didnt recognize. I tried disputing these negative items with all three credits bureaus directly, but Ive yet to get any progress toward getting these items removed from my credit report. According to the 15 U.S.C 1581 Law there should not be any negative damages to my credit report, this is setting me back time to start my business. Back in XXXX of XXXX I noticed some of these items were on my XXXX XXXX and XXXX accounts so I disputed them online, if given the option to. However, every item was said to be verified by each company, some of which were collectors at that point. So I asked for the information used in the investigation to come that conclusion, in which that was never provided. On XX/XX/XXXX I contacted Equifax, XXXX and XXXX by phone to update my information on file and I provided them with my most up to date address and phone number. After this I pulled my full credit report and asked each bureau to deleted each negative item still reporting on my credit report, in which they still have not done so or provided information used to determine their decision. Ive prepared a letter of each item, the date and reason it needs to be removed. Ive also attached screenshots of my credit report where the information is inaccurate. I hope this information is helpful to you in the process of helping me getting these items removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Loan has been paid in full to Regional Acceptance Corp.
Product: Debt collection

On XX/XX/XXXX I received a call from this number, XXXX. I asked who was calling and got a very brief, short answer. The man said his firm is working for XXXX, a mitigation company. That XXXX was looking to put a lien against my property and that his firm assists with this. I thought he may have been a lawyer from his wording. I asked if they were a debt collector. They evaded the question. Doubling back on what he had said previously. 
The individual disclosed a debt owed to XXXX, without verifying whom he was speaking with. 

I received an email from him, XXXX XXXX. XXXX XXXX works for RSG, Recovery Solutions Group , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  RSG is a debt collector, XXXX XXXX failed to disclose in our six-minute conversation that he is a debt collector. 
XXXX failed to disclose the company he worked for. 
XXXX failed to identify whom he was talking to. 

What XXXX did is a violation of the FDCPA.
Product: Debt collection

Dear Kia Finance America, I am responding to your contact about a debt you are trying to collect. You contacted me by [ phone/maill, on [ date ] and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my originally requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay identify that person. Provide verification and documentation about why this is : debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that 've found XXXX 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  please remove these fraudulent inquiries from my credit report. i also attached my identity theft report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ending in XXXX is reporting as open on my experian credit report when the account is closed. I disputed the status error mutiple times with experian with no fair resolution. attached is documentation showing all XXXX XXXX credit card accounts have been closed. I want this account status updated immediately and experian to show proof of method of verification on there part.
Product: Debt collection

I receive at least 10 calls a month for a XXXX XXXX for a debt that he owes. My last name is XXXX. There is NO XXXX XXXX living at my residence, in my family or even a friend. I have been instructed by a electronic voice to hang up if I am not XXXX XXXX. When I do, they continue to call. I have called them, they have apologized and said my number would be taken off the list. It has not. I am being harassed by these people and would like the calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each of the credit bureaus to discuss an account that had been paid related to a collections that was showing on my credit reports for XXXX XXXX XX/XX/XXXX Not only did I provide proof that the collection account had been paid in XX/XX/2020, and was considered closed, but the collection company was somehow allowed to publish inaccurate information on my credit reports for the month of XXXX, stating that the account was seriously past due? Rather than update my account to reflect a paid status, the collections agency instead updated my credit reports with a consumer disputes account status instead, even after countless emails and phone calls to get the company to properly update my reports. If it is this easy for collections agencies to place inaccurate debt on your credit reports, then how does any of the requirements set forth in the FCRA actually protect consumers? How is this collection agency allowed to report a PAID account as being past due, AFTER it has been paid, and there is undeniable proof that the debt was paid? This is beyond unacceptable and I demand that my credit reports be updated to an accurate status and removal of this account.
Product: Debt collection

XXXX set up a payment to pay off loan. On the due date because any other payment they charge XXXX more to process. For XXXX. Regular due date. Amount XXXX on account number confirmation number XXXX. They said they didn't get it and now they have charged me XXXX more interest. On XXXX used a different card and now it's up to XXXX payed the full amount confirmation number XXXX. Sent them a email saying the date time and amount payed in full. Today the response was that they are going to report me to credit Bureau and they still haven't processed the second attempt to pay account off. But they make it difficult to pay off loan but still charging me more fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. These Lists of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Chapter XXXX Bankruptcy : Bankruptcy -Reference Number XXXX Has Violated my rights 15 U.S.C 1681 Section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Applied for " XXXX XXXX '' payment processor on XX/XX/2017 for my business that I started that same year. 

I was really excited when I came across their advertisement somewhere online. 

Signed up and Finished the process of setting all my information up to get the technology that I thought was going to be sent to me. All I remember with signing up with this company was that as soon as I finalized everything I received 3-4 emails stating I was " denied '' NOWHERE in any terms of agreement was there anything stating that this service was ever going to ran through my credit. I was furious comprehending that I basically " applied '' for a payment processor. 

I called the company immediately and ofcourse they said nothing can be done for me. 

I then looked at my credit karma app to see I had a hard inquiry for basically nothing.
Product: Credit card

I currently have the Chase United Club Card. For the Calendar year of XXXX, they ran a promotion where you would review {$75.00} as a statement credit after staying in an XXXX property. ( terms copied below ) Because of this, I chose to stay in an XXXX property on my recent trip to XXXX. The terms do not specify it must be a US hotel. I used my card when booking, when paying, and my card was charged a {$110.00} charge on XX/XX/XXXX for my stay in an XXXX property. This fulfills the offer every way I can imagine.

After a few days I realized there was no statement credit. I called customer service who 'made an escalation ' and told me to wait two weeks for it to be resolved. Two weeks go by, and nothing is resolved. I try the same thing again. Two weeks go by, and still nothing. I try to ask for a 'case ID ', but after two weeks still nothing. The offer is a little confusing on whether it will be the same day or after 1-2 billing cycles, both of which have passed since my statement closing day is the XXXX. The name of the hotel on my billing statement was 'XXXX XXXX XXXXXXXX '. The name of the hotel on XXXX was XXXX XXXX XXXX XXXX XXXX an XXXX XXXX XXXX. 


Here is the offer listed on the website : Receive up to {$75.00} per year in statement credits as reimbursement for XXXX Hotels and Resorts purchases in XXXX. 


Here is the full terms of the offer listed on the website : {$75.00} XXXX XXXX  : A statement credit will automatically be applied to your account when your card is used on purchases made at XXXX XXXX XXXX ( XXXX ) properties from XX/XX/XXXX through XX/XX/XXXX, up to a maximum accumulation of {$75.00} per calendar year. XXXX properties include XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX and XXXX XXXX XXXX XXXX Statement credit ( s ) will post to your account the same day your XXXX purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Purchases posted to your account with a transaction date during the offer period are eligible for this offer, delays by the XXXX property could extend the transaction date beyond the offer period. For example, if you pay for a stay at an XXXX property, but the XXXX property does not post the transaction until after XXXX, the cost of the hotel stay will qualify for XXXX, not for XXXX. To qualify for this statement credit, account must be open and not in default at the time of fulfillment. This statement credit is non-transferable and applies only to the account of the primary cardmember referenced in this offer. Eligible credit cards : XXXX XXXX XXXX XXXX. 

Here is the link to the web archive of the promotional website : https : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with XXXX law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you XXXX  days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report. I would like them removed and account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion refuse to investigate the inaccurate information on my credit report
Product: Mortgage

I have had a mortgage through Bank of America for my home for more than 5 years. Originally the address of the property was incorrect ( XXXX " my road '' ) in XXXX of XXXX I corrected the physical and mailing address to XXXX " my road '' through XXXX XXXX real property office and my post office. My insurance company along with everyone else made the appropriate changes. When contacted, Bank of America made the changes but only to my mailing address. In the fall of XXXX Bank of America requested a copy of my homeowners policy. When sent, they declined it and said I needed a policy covering XXXX " my road ''. I have made several attempts to get BOA to change my physical address since fall of XXXX. They are delaying the process and I have sent them all requested documents via email and/or fax. Now starting XXXX of XXXX BOA has provided an additional homeowners policy through escrow thus significantly increasing my monthly payments. My homeowners policy is current and is the original XXXX from the start of my mortgage. BOA is making me pay for another policy covering XXXX " my road '' which is no such number and does not exist.
Product: Checking or savings account

VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Notice of Dispute / Demand Letter CFPB Complaint # XXXX To Whom it May Concern : This letter is sent pursuant to the arbitration clause located in the Deposit Account Agreement for Personal and Business Accounts. 
Please pay the advertised bonus of {$400.00} and refund {$33.00} in fees that were charged in error. 
Otherwise, this matter will proceed to XXXX with all costs and fees taxed to the bank. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN IS BREAKING THE LAW PURSUANT TO 15 USC 1681 ( A ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. 
Recently sent disputes on your inaccurate reporting via EMAIL swell as complaints with CFPB & XXXX 
Pursuant to 15 USC 1681 ( a ) ( 1 ) : This grave erroneous reporting has lowered my confidence in the Experian 's procedure and stressed me out tremendously. As a RESULT OF THE NEGLIGENT I WILL NO LONGER BE EXTENDED CREDIT AND IF THIS INFORMATION IS NOT DELETED/REMOVED I WISH TO NO LONGER HAVE MY INFORMATION REPORTED IN EXPERIAN DATABASE . 
Pursuant 15 USC 1681 ( a ) ( 2 ) XXXX is a powerless elaborate mechanism, These errors and inaccuracies that your company has caused has ruined my reputation and adversely impacted my credit worthiness. 
Pursuant 15 USE 1681 ( a ) ( 3 ) Your company has assumed this role and was not given express permission by me the consumer or a competent court of jurisdiction, So not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which violates my consumer rights Pursuant 15 USC 1681 ( a ) ( 4 ) You did not insure this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this privacy was breached and this violated my rights to privacy. Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not factually took place, can not be categorized as a transaction that took place between the consumer and the person making the report. Which mean it should not be included in my consumer report, and in fact is a violation of my consumer rights. 
Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportuinty to deny this information being communicated on my consumer report. Thesis in fact another violation ANY AUTHORIZATION OF A SPECIFIC EXTENSION OF CREDIT OF A CREDIT CARD OR SIMILAR DEVICE SHOULD BE EXCLUDED FROM MY CREDIT REPORT. 
THE ALLEGED TRANSACTIONS THAT YOUR COMPANY CLEARLY DID NOT INVESTIGATE IS CATEGORIZED AS A TRANSACTION THAT WAS ISSUED AS A CREDIT CARD. 
THE FOLLOWING ACCOUNTS NEED TO BE REMOVED/DELETED FROM MY CONSUMER REPORT IMMEDIATELY IN ACCORDANCE WITH FCRA XXXX. XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my car XX/XX/2017, which financed by capital one auto finance. The monthly account payment was late, but not 30 days yet. I received the new car and the dealer agreed to pay the remaining balance on the trade in car, which there was still a year and a half of payments left. The dealer took 14 days to pay off the prior loan, which was XX/XX/2017. I had no idea and was never told I was still responsible to make payments in till the dealer paid the loan off. If I had known ... I could have just made the payment. Received a 30 late on my credit report. I called capital one several times explain but no resolution. This account was paid off a year and a half early with just this one late late payment. I believe it's unreasonable for capital one not to remove this one blemish from my credit report.
Product: Debt collection

Sent out cease and desist phone call letter, along with request for full validation XXXX/XXXX/2016. Received harassing phone calls as recently as XXXX/XXXX/2016. They have yet to validate the debt
Product: Checking or savings account

Ive tried to open an account twice with my social security and it didnt allow me to. It says there was a fraudulent activity with any of my previous banks but to my best of knowledge i havent been involved in anything of that sort.
Product: Money transfer, virtual currency, or money service

The complaint is against a company called Coinbase. They are a Cryptocurrency exchange. I have been investing for months and my account is about {$18000.00}. I can no longer get onto my account because I have been locked out by this exchange. They purposely do not have Customer Service to speak to and everything that you do to try and recover the account goes in a complete circle. It is again purposely set up this way. I want my money back from this fraudulent scam company!!!! and I would also like to see this company be put out of business!!! They are a disgrace and if you look online you will will see thousands of people complaining just like me.
Product: Credit card

We appreciate your taking time form your busy day to advise us on this minor detail. 
In 2013, we paid our credit card balance ( less than {$100.00} ) 30 days late. 
Now, going on four years later - this late payment remains as the one and only late payment in our entire credit history spanning decades and 100s of creditors. 
The negative impact of this singular and isolated incident on our credit, on our cost of insurance, on our cost of borrowing - goes far beyond any reasonable penalty for such a minor infraction. Further, continued reporting of this issue contributes nothing to the intended purpose of such reporting, i.e., exposure of higher risk associated with our use of credit. 
We have made several attempts over these years to request assistance from Chase - each time, receiving a different and purposefully ambiguous reason for their inability to make sense out of this non-sense. 
As you have time - would you kindly provide direction as to how we may best resolve this issue? 
Chase Executive Office XXXX OH XXXX Mail Stop OH XXXX Thank you, XXXX