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

The below accounts do not belong to me and I have tried to resolve this with the companies directly but haven't been able to get anywhere, and its stopping us from getting a home and we have XXXX children. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Accounts # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$950.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} Account # XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$210.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$200.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$130.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$78.00} Account # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to dispute a " charge-off '' entry on my credit report filed by West Creek Financial dba Koalafi , which I believe is inaccurate due to a payment processing error on their part.

Account Information : Lender : West Creek Financial dba Koalafi Lease Number : XXXX Charge-Off Date : XX/XX/XXXX Details of Dispute : In XX/XX/XXXX, I set up automatic monthly payments of {$1100.00} with Koalafi to repay a {$3300.00} loan within a 90-day interest-free period. The first payment was successfully deducted, but subsequent payments were not processed correctly due to an error on the lenders end. As a result, the balance remained unpaid after the interest-free period expired. When I attempted to settle the balance on XX/XX/XXXX, Koalafi insisted on adding additional fees totaling {$3600.00}, which I declined to pay due to their error. 
This charge-off entry is unjust as it resulted from a mismanagement of my payments by the lender. I request that this inaccurate entry be removed from my credit report to accurately reflect my payment history.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns ... about consumer safety.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XXXX, I opted out of this company being allowed to charge more interest on already purchased items, therefore, the company closed my account and nothing has ever been charged on it since ... the interest was XXXX. Today, I receive my bill and they jacked it up, yet again, now its up to XXXX. This is unacceptable. I agreed to never charge again on this account and they agreed to never increase the interest rate. The XXXX lady was of no assistance. I want my over pay for the past couple of months credited back to my account and a FREEZE placed on this account like there should have been 10yrs. ago.
Product: Prepaid card

I and over XXXX other employees at my job received American Express e-gift cards for an end of a year gift. Mine was for {$1200.00}. No online stores that I have tried will accept this card. They process a test hold of XXXX cents then decline the actual purchase. 

The stores blame Amex. I called Amex and they can't provide a solid answer. They tell me to use it at other stores, but see unable to tell me a single one that will accept the card. 

Others have been told it is an anti fraud mechanism. 

I requested to cash it out, and Amex declined to do so.
Product: Credit card

XX/XX/XXXX : As of today, Coinbase Card has fraudulently withheld a credit to my account in the amount of {$520.00} for over XXXX years. Despite repeated requests to Coinbase XXXX, the status still shows " Refund Pending ''. 

XX/XX/XXXX : I made a purchase with XXXX on my Coinbase Card in the amount of {$1500.00}. 

XX/XX/XXXX : XXXX refunded {$520.00} to the same Coinbase Card after receiving my device trade-in. Coinbase Card attached a " Refund Pending '' status to this amount. 

XX/XX/XXXX : I emailed the following correspondence to Coinbase Support ( help @ coinbase.com ) : " Hello - This refund of {$520.00} from XXXX has been pending in my Coinbase account for nearly XXXX month. It has not been added to my USD wallet. 

XXXX released the refund on their end on XX/XX/XXXX. I just spoke with XXXX of your managers at Coinbase who told me that he shows that the refund finished processing on your end on XX/XX/XXXX. He gave me Coinbase XXXX # XXXX. Also, XXXX provided an Invoice # XXXX for the refund amount of {$520.00}. Please use the information provided above to track down the transaction issue and release the funds asap. 

Respectfully, I have only received canned email responses from Coinbase regarding this issue... Please reach out with any questions. '' XX/XX/XXXX : Received the following autoresponse from Coinbase Support : " Thanks for contacting Coinbase Support about Coinbase Card. 

After a merchant refunds your transaction, we'll add the refunded amount to your USD wallet in your Coinbase account. It can take up to 10 days for a merchant to process a refund, however, please be assured that once Coinbase receives your refund, it will be posted to your Coinbase Card account immediately. 

Please note that you'll lose any rewards you earned on this transaction. 

For more information, see our help article XX/XX/XXXXcoinbaseXX/XX/XXXXcoinbaseXX/XX/XXXXcoinbaseXX/XX/XXXXcoinbaseXX/XX/XXXXXX/XX/XXXX '' XX/XX/XXXX : Received the following email from Coinbase Support : " Thanks for contacting Coinbase Support.

Were working with a specialist to review the information youve provided. We will follow up with you as soon as we have an update. Thank you for your patience. '' XX/XX/XXXX : I emailed the following correspondence to Coinbase Support after no follow-up was received : " Hi - It has been over a month since I have not had rightful access to my funds. Any update on this issue? If not, please provide an estimate on when I should expect a resolution. '' As of today, Coinbase Card has fraudulently withheld a credit to my account in the amount of {$520.00} for over XXXX years. I have received no communication from Coinbase responsive to this issue since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ at XXXX XXXX. I spoke to XXXX XXXX from XXXX XXXX NMLS # XXXX. I was inquiring about a refinance on a property in XXXX, Arizona. I explained that I did not want this to affect my FICA score so I did not want a Hard Inquiry. He responded that he understood, we had a pleasant conversation I explained I was looking for some options with high equity and low income. He said he was winding up the night and would continue this tomorrow on Friday XX/XX/XXXX he said he would call me first thing at XXXX. I never heard from Mr . XXXX again. Instead, I received an email on Saturday XX/XX/XXXX that stated they could sweeten the deal and I've been speaking to Mr . XXXX but haven't applied for a loan yet ( attached ). During this period, I received a warning that i had a hard inquiry and my FICA score has decreased significantly. On Monday XX/XX/XXXX XXXX XXXX  I received a text which was very unprofessional stating he was XXXX from XXXX XXXX XXXX XXXX. At this point with my FICA effected and now this text I was concerned my Social Security and other private information was being used illegally. I responded to XXXX that I wanted he last name, telephone number and extension. I received a text on Tuesday at XXXX XXXX with the information I requested. ( attached ). I also received an email from him ( XXXX XXXX XXXX XXXX NMLS # XXXX at XXXX stating my loan was reviewed and unable to offer funding. ( attached ) ALL THIS AND I NEVER AUTHORIZED. I was finally able to talk to XXXX via telephone and explained my situation and understood he is handling this currently, he offered no explanation what was happening with Mr . XXXX and why this all started without my authorization, in fact two days after I spoke to Mr . XXXX I received an email stating no loan has been started, then three days later I received a letter from him stating loan application was not able to fund do to non activity. He had no explanation why I received this letter and told me that the letter was automatically generated because of inactive account. All this happened from Thursday XXXX XXXX to Tuesday XX/XX/XXXX early morning.
Product: Vehicle loan or lease

I am going through a separation and financial hardship related to such matter. I have contacted XXXX XXXX in XXXX, VA on several occasion. Paid to have trouble shooting to the vehicle and they have failed to respond. My husband was in possession of vehicle prior to the separation and no the transmission seems to be slipping. We are going through a terrible custody case in court and he is unwilling to release the loan. I am a XXXX XXXX  mother at this time and can not afford the loan regardless. I am out of options and need resources please! Contacted XX/XX/2023 via phone approx. a month ago took to the dealership with no avail. and have attempted to contact the loan holder capital one with no return calls. payment {$780.00}
Product: Checking or savings account

I received an email from Ally Bank on Tuesday XX/XX/2022 saying that the bank was temporarily blocking access to my account. That same day, I called Ally Bank at XXXX XXXX  to resolve the issue. After multiple attempts from the tech support team and being on the phone with Ally Bank for nearly an hour, Ally Bank failed to restore access my account. Ally Bank assured me that this was a system wide problem, that I had not done anything to cause the problem, and that the bank was working on it. I called again on Friday, XX/XX/2022. Similarly, Ally Bank failed to restore access to my account after 30 minutes on the phone. On XX/XX/2022, I called Ally Bank again. Yet again I was on the phone for an hour. Ally Bank refused to provide me with any information on when this issue would be resolved. 

I have received no substantive updates throughout this process. I have had to initiate every conversation to address this issue. Ally Bank has refused upon repeated requests to supply any substantive update or any evidence that the problem is being addressed. Ally Bank refused to provide a timeline of when the issue would be resolved. 

I originally made this complaint with the FDIC. FDIC claimed to send the complaint here for reference the FDIC Ref. No. : XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 142. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Product: Credit card or prepaid card

I tried to open a credit card account but was denied. They stated I had a card in XXXX  that I never had. I have been trying to remove the fraudulent information but keep getting the run around. No one can help me there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for the opportunity to express my situation... ..pI have this one credit bank by the name of XXXX that is reporting to all the three major agency 's ... ..im a senior that has retired and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You
Product: Credit reporting or other personal consumer reports

I unfortunately noticed I am a victim of identity theft recently and I am attempting to remove all fraudulent inquiries that did not authorize. I have enclosed a copy of my identity theft report, a copy of my driver license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove the following fraudulent information on my credit file. 

The information on my credit report does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove the fraudulent information below per sections 605B, 615f and 623a6 of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the week of XXXX, I noticed that my overall credit usage was incorrect through Experian and called multiple times to have this addressed. My last interaction was on XXXX, when I spoke to a manager who saw the error and assured me that an escalation was in place. I have not heard anything from Experian, nor has my credit report been updated. I currently have a credit limit with 3 credit cards of {$7300.00} of which I have spent only {$3300.00}. They have my credit usage at 96 % stating that I have used {$6900.00} of my credit which is highly inaccurate, even by their records. What they have done, is they have used a balance from a closed account and added that to my overall usage, which I stated to them, and which the manager agreed. This is directly impacting my credit score and needs to be addressed. This account does not show up on any other credit report, nor does it show up on my Wife 's credit report and she is also on that closed account. This is an obvious error which they have refused to address and have only provided generic answers to the issues at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Payment was made to bring the account current prior to XXXX/XXXX  reporting to the Credit Bureaus , however XXXX/XXXX deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how XXXX/XXXX  operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, XXXX/XXXX had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. 

People are doing just this : https : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I overpaid my JCP acct by {$380.00}. I called to cancel the card and ask the {$380.00} balance be refunded and was told in order to do so I would have to agree to going on a website and be video recorded with a government issued ID!!! XXXX?!! My social and address have not changed- this is an invasion of privacy and it potentially leaves me open to identity theft!!! Wrong, wrong wrong! 
I am notifying XXXX as well since Ive made my payments via their online bill pay for years!! I sent a letter to the FL attorney generals office as well- they have absolutely no right to request anything of the sort- especially if they corporately are not going to assume financial liability if my identity and that of others is compromised via this third party! I want it stopped and I want my overpayment returned immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I discovered discrepancies in the reporting of one account. Despite being paid on time, it erroneously shows two late payments. It is crucial for consumer reporting agencies to ensure the accuracy of all reported information. 

Attached to this complaint, dated XX/XX/year>, is a copy of my credit report highlighting this issue. I kindly request an investigation into this matter and the immediate correction of these payments to reflect their accurate status as paid on time. Your prompt attention to this request is greatly appreciated. Thank you for your understanding and swift action.
Product: Checking or savings account

I canceled my account with Brigit, but the company continues to monitor my bank account without my authorization. Despite no longer having an active account, Brigit has retained access to my bank account and financial transactions. I did not consent to this continued monitoring, and it violates my privacy rights. 

I have taken steps to address this issue by canceling my account and ensuring no outstanding obligations with the company. However, Brigit has failed to disconnect from my bank account or confirm the cessation of monitoring. 

I request that Brigit immediately stop accessing and monitoring my bank account, delete any data they have collected, and confirm in writing that this issue has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or informations not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again : The following are fraudulent items that needs to remove : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$750.00} ; XXXX XXXX XXXX  XXXX : {$400.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX  XXXX XXXX XXXX {$720.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX