23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax and XXXX continue to allege this debt is verified as accurate but that is not true buying a contract does not mean I have an obligation to pay said debt. I made no claim that I would repay XXXX because they purchased the contract furthermore the contract is the security which is a financial asset and that asset belongs to me. I have not given XXXX permission to have possession of my security or attempt to force me to pay. I have repeatedly asked both companies to provide evidence that proves I am obligated to said company not another company by federal law that does not give you rights. 

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.
Product: Credit reporting or other personal consumer reports

Someone fraudulently opened an account with XXXX XXXX on XX/XX/year> in the amount of {$500.00} an added me fraudulently as an authorized user. I called XXXX XXXX once I noticed this information and told them that I never have authorized anyone to add me to any accounts nor add me as an authorized user. I then asked for the account holders information so that I could report this matter to the local authorities and I was denied information. I asked them to remove me from this account where my personal information was being used there response was no. I've disputed this matter with XXXX, XXXX and Transunion and this matter hasn't been resolved.
Product: Debt collection

Complete Credit Solutions is attempting to collect an alleged debt in which I have informed them that I do not owe. I have requested validation of this alleged debt several times ; Copies of documents bearing my signature that clearly state that I have a legally binding and contractual obligation to pay them, the full names, address and direct telephone numbers for each individual they contacted in the course of their investigation to validate this debt. I have been asking for validation for over 60 days and they have failed to provide it but continue to report negative activity on my credit reports. This should be ceased immediately and I demand that this account is removed from my credit reports immediately upon receipt of this complaint. 

Furthermore, this morning I was made aware that Complete Credit Solutions INC attempted to obtain a copy of my credit report from XXXX under false pretenses and knowingly without a permissible purpose. I did not apply for credit with Complete Credit Solutions INC, they are a collection agency. For this violation alone, they are liable for {$1000.00} in damages as per 15 USC 1681n ( b ) Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I have attached the picture of the alert I received from XXXX displaying their company 's name, address and today 's date when they attempted the credit inquiry. 

Please be advised, the mere fact that you have my name, address and social security number does not suffice as proof of validation. Please be aware that I am maintaining an ongoing documented record of my communications with you for the purposes of filing a complaint with the FTC, Civil Court and the state of Delaware Attorney General 's office if the matter is not satisfactorily resolved.
Product: Debt collection

Call from XXXX every morning on my cell phone, only XXXX ring. Based on XXXX they always only leave XXXX ring. It appears to be debt collectors.
Product: Credit reporting or other personal consumer reports

CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors Demand for Settlement CFPB Complaint Against Equifax I am filing a formal complaint against Equifax for failing to properly investigate my dispute, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Equifax initially responded to my dispute by stating the account was " verified by the furnisher, '' yet the dispute results did not address my actual dispute. I did not dispute the XXXXXXXX XXXX XXXX accountI specifically disputed the debt collector or debt buyer, XXXX XXXX XXXX. However, Equifax deleted the XXXXXXXX XXXX XXXX account while improperly leaving XXXX XXXX XXXX on my credit report. 

My consumer report ( Exhibit A ) clearly shows the account as paid and closed, and XXXX has already deleted XXXX XXXX XXXX ( Exhibit B ). Equifaxs failure to conduct a proper reinvestigation has caused financial harm, including damage to my creditworthiness, emotional distress, and potential loss of financial opportunities.

As a result of Equifaxs negligent and willful noncompliance with the FCRA, I am demanding a settlement of {$3000.00} for damages. I also demand the immediate deletion of XXXX XXXX XXXX from my credit report and full compliance with federal law. If Equifax fails to resolve this matter promptly, I will explore further legal action.
Product: Credit card or prepaid card

I, an XXXX XXXX, cardmember with Discover Card. I just discovered that the interest on my Discover card was very high. I had noticed this awhile back but, did not have the time to check into why it was so high. I contacted DiscoverXX/XX/XXXX to discuss several issues, and the one I could not get a good answer for was being charged two interest rates since XXXX. I discovered that I have be charged since XXXX, and extra interest rate for missing a payment. I when I stated I have not missed a payment, I was then told it could be charged for a late payment. I have had s few late payments, however I have not missed a payment. 

This situation upsets me because I was not notified that this had happened at a time that I could have disputed it sooner. Also, how do I know as a consumer that the person that put this on my account was not having a bad day and decided to take it out on me. I should have been notified that this was happening so that I could dispute it right away.. At, the present time, no one seems to be able to tell me what or who decided this so that I could speak to them to correct it. No one should be able to add charges to your account without you knowledge, I have been spending a lot on interest and was not aware of it.
Product: Checking or savings account

Greetings, on XX/XX/2018 I contacted navy federal to let them know that they have been some charges on my account by a company named XXXX and they temporarily credited my account. On XX/XX/XXXX they reversed the charges stating that they was no errors and as I am typing another agent is telling me that why I dont dispute the other charges on my card. So irrelevant to what my issues are. This is not the first time navy federal has done that to me and now enough is enough, they state that they protect service member but instead they are protecting companies that are taking advantage of customers. 
Now mind you I was in the hospital having a XXXX XXXX  XXXX XXXX and after I got back home Ive been in bed and having XXXX  at home. This company is the worst and I need help on resolving this issue.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account Information : Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Amount : {$3000.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney.
Product: Credit reporting or other personal consumer reports

I am disputing the misuse of my personal information and need all the incorrect information removed and the correct information updated on all three consumer agencies. My name is spelled XXXX XXXX XXXX, my date of birth is XXXX and my correct and only address is XXXX XXXX XXXX XXXX, P.A XXXX this is the only address that should be listed on my consumer report please remove any other address and names or DOB other then the ones stated in this letter.
Product: Student loan

Contacted Discover Student Loans multiple times in an attempt to reduce the interest rate, loan consolidation, or income based repayment plan. Most recently tried this again on XX/XX/20. Told that the amount of Student Loan debt was too high. Told that the degree received did not meet the criteria to consolidate the loan or reduce the interest. 

Discussed Governor XXXX 's COVID-19 Student Loan initiatives and went through the minimum guidelines for Private Student Loans. Discover was unwilling to adhere to the minimum guidelines : Providing a minimum of 90 days of forbearance Waiving late payment fees Ensuring that no borrower is subject to negative credit reporting Ceasing debt collection lawsuits for 90 days Working with borrower to enroll them in other borrower assistance programs, such as income based repayment. 
THERE ARE 3 LOANS WITH DISCOVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax for account XXXX XXXX, on XX/XX/XXXX. How is it possible for them to complete their investigation XX/XX/XXXX ( 2 days ) confirmation number XXXX. When their website and the FCRA states a reasonable investigation takes 30 days. 

Please see attachments.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. This is my new complaint that I am a victim of identity theft and I submit to dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged XXXX XXXX. I also attached here my new FTC report with reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

I have a Mortgage with Shellpoint Mortgage Services. I closed on the XXXX on XX/XX/XXXX. Because of Covid and me being unable to work I started the Loan Forbearance process by phone in XX/XX/XXXX XXXX week before my payment was due for XXXX. It took them forever to get with me to get the process started. I was told that since I have started the process that no payments will be counted late. I was approved for the Forbearance in late XXXX early XXXX with the first new payment being due XX/XX/XXXX. I have paid as agreed but they are still reporting my loan late on my credit report.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I had several fraudulent transactions from coinbase taken from my checking account which coinbase blamed XXXX  and XXXX said it was coinbase. They were eventually reversed. OnXX/XX/XXXX I tried to buy bitcoin with my debit card and it kept saying charge denied so I left coinbase and went on XXXX  to purchase without problems. Never tried anymore that day to purchase on coinbase. On XX/XX/XXXXI had a {$200.00} charge again on my checking. I thought it was fraud because the transactions kept saying denied so I disputed as I could not get coinbase to answer the phone or my emails. On XX/XX/XXXX I logged into coinbase and it said my account can not buy or sell bitcoin. I emailed right away and was told they would have a resolution in 5 days. Never ever got a response after an additional 5 emails. So let me get this straight, coinbase does fraud on millions of accounts and then after I dispute an unknown charge and my account is closed?? I want my account fixed as I have not done anything wrong. I also XXXX  and hundreds of complaints on XXXX  concerning coinbase. They need to get there act together and stop treating their customers like trash.
Product: Mortgage

Owcen Loan Servicing is demanding that I pay for their home insurance, although I have never been without insurance and have faxed them a copy of my policy as they demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a XXXX XXXX credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called XXXX XXXX and all XXXX bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!
Product: Vehicle loan or lease

I returned my lease to XXXX and was told I did not owe anything and all payments were paid. On my auto credit report said balance due {$0.00} and on the XXXX XXXX XXXX website as well also said {$0.00}. Now I received a bill of {$380.00} after account has been closed and Balance is at {$0.00}. There was no excess mileage or damage and I was of any future charges I would be responsible for until now. My husband is currently XXXX XXXX XXXX and I am unemployed but currently only receiving financial help from family at the time and I can not afford to pay this amount and dont understand what why I am being informed of this being owed after I returned the lease and account was closed.
Product: Credit reporting or other personal consumer reports

I did not give authorization for this company to pull my credit. XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

For multiple times in the past year, I have requested Equifax to remove reporting from an old XXXX XXXX XXXX XXXX account. It is well past 7 years of date of first delinquency. With the most recent request I submitted supporting documentation and they still did n't remove the account.
Product: Credit card or prepaid card

merchant : XXXX XXXX credit card co : Chase I have tried multiple times to resolve this with my credit card company since XXXX. They are now telling me that it is past the date and I have no recourse for a fraudulent charge on my card. The merchant XXXX XXXX has a a history or overcharging our card and manipulating invoices. 

I have submitted documentation multiple times, and Chase has chosen to either ignore my documentation or take the manipulated documents from the merchant as valid. 

I have original email correspondence from the merchant of the original emailed invoices, they emailed altered invoices to Chase to document the charges. 

I have emailed, faxed and called Chase on multiple occasions regarding these charges with little or no resolution. They keep telling me to wait for a letter in the mail, but when the mail comes and I send documentation back, there is no way to know if someone is working on it. I last spoke to a representative from Chase today at XXXX Hawaii Time.  His name was XXXX and now he tells me I have no recourse because too much time has passed. I started this in XXXX. I last called and submitted documentation on XX/XX/XXXX. They told me to wait up to 30 days, now he tells me that too much time has passed? 

I have more documentation to submit if necessary, history of emails, fax transmittals etc, but I was not given an opportunity to discuss what information they thought was valid and invalid. 

I am so appalled that my credit card company is not protecting me from this deceptive vendor and the representative would not tell me why they think the charge is valid, only that there is no further recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well I ask the Credit Bureaus XXXX, Experian and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had Three accounts on my credit report being reported inaccurately I never ever opened an account with these Three Accounts : XXXXXXXX XXXX XXXX account XXXX XXXX Experian # XXXX XXXX XXXX Bank Account # XXXX XXXXXXXX XXXX  Account # XXXX The three accounts are being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed these accounts please and thanks. 


In accordance with the Fair Credit Reporting act XXXX Accounts, 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

TransUnion continues to list XXXX  XXXX as my employment although the company was defunct since XXXX. 

All other reporting companies have eliminated this listing without issue.
Product: Mortgage

I started a refinance process in on XXXX XXXX and provided all the documents that were requested by this lender Franklin XXXX located at XXXX XXXX XXXX, XXXX XXXX phone # ( XXXX ) XXXX After all the necessary documents were processed and finalized then on XX/XX/2022 a notary was to come out for the final signing. Then it was canceled and rescheduled for XX/XX/XXXX a Monday, Then it was cancelled again and rescheduled for XXXX XXXX. Then it was canceled and rescheduled for Friday XX/XX/XXXX, So today is XX/XX/XXXX and it has been rescheduled to XX/XX/XXXX See the pattern here not only has this process been on going since XXXX and 3 months later still no resolve. 
I think this company is either incompetent of discriminatory and just does not want to complete the loan ( ever ), I call and can never get anyone to answer the phone they may respond to my emails a few days later but never an immediate response to my concerns.
Product: Payday loan, title loan, or personal loan

I had made a complaint in XXXX about this company, they responded that the late fee would be waived and that a late payment was not reported on my credit report. I went to pay off my account last week and made the payment in full that it asked for and now the company is saying I was late in XXXX thus forgoing my 90 day to pay without interest. They have charged me over {$90.00} in interest and still have a balance due of {$21.00} even though I clicked pay in full. This company is a scam to say the least.