23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I made a payment to my Capital One credit card. As soon as I submitted payment my card was BLOCKED!!! FOR A PAYMENT!!! I tried contacting Capital One but all I got was XXXX that had NO access to any information on my account! Making MULTIPLE payments from the SAME account is an issue for Capital One!! They restricted my account for PAYMENTS!!!! NEVER had i dealt with such a SELL OUT company that refuses to deal with their own US customers and direct PERSONAL INFORMATION TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX  Balance : {$1000.00} ; If Equifax feels there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit it shows I work at XXXX which I don't.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX & XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX COAF Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPT . OF EDUCATIO XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Having sufficient funds when transaction were authorized I was charged fees due to lagging posted of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are XXXX  And read it XXXX and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a new credit card with XXXX XXXX  for XXXX and it was only added to XXXX. I spoke to Equifax and XXXX  and they stated the Merchant has to add it. However, XXXX did report to all three bureaus that they updated this information on there part. 
I really need this information to show up because it will help with my utilization that was the purpose of the card. Can you please assist me in this manner with the situation.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have XXXX inquiries appearing on my credit report.
Product: Money transfer, virtual currency, or money service

Back on XXXX XXXX 2019, several transfers were instructed from my Coinbase account, in the total amount of BTC XXXX ( EURO XXXX ) to a scam Binary Option /  XXXX / XXXX XXXX dealer XXXX. 
They did not invest my money, but only stole it. I submitted a recall dispute to Coinbase on approximately XXXX XXXX 2019. Coinbase replied with their final response on XXXX XXXX 2019. They confirmed that the merchant is a scam and noted that Coinbase added to their blacklist the relevant address so that no further Coinbase users can be scammed in the same way going forward and yet they declined my recall on grounds that it is impossible for them to reverse payments that made with cryptocurrency. I wanted to reply on their letter and try to explain that no services, investment or good were giving me in return to those payments. but Coinbase sends another email to me three days after, saying that the case has been closed. 
Im aware that I can refer my claim to XXXX ( XXXX XXXX  XXXX ) in case I am not satisfied with the resolution of my complaint 's outcome, As I know Coinbase is registered in the USA, I would like your assistance in resolving my issue. 
When I authorized the payments by my account, I did not know that the merchant is a scam, I discovered it later on. I asked Coinbase to take the responsibility and asked for a recall because no services or investments were supplied by the scam merchant. 
XXXX is an illegal scam operator. 
What is egregious is that I have found out that there were numerous warnings issued by scam broker investigators, and other regulators, warning against allowing the instruction of payments to this particular merchant : XXXX. How is it that Coin Base approved the transaction in the first place and didn't protect me, as their customer? 
I've attached a statement of the full course of events along with other relevant documents.
Product: Credit card

I have a trucking business and for the second time a hold has been placed on account. This is ruining my business as driver is unable to purchase fuel to continue driving. There are plenty of funds on account to cover purchases and there is no reason for hold to be placed on account. I am told that hold is possibly being placed because this is a new account. This account is over 4 months old. I am told when I call that hold will be released but it will take 24 hours for hold to release. This is unacceptable as driver needs to purchase fuel immediately to continue to operate. He also has to sleep in the truck because he can't use card until hold is released. I am told by credit card supervisor that hold can't be released sooner as system is automated. This is costing my company money and ruining our reputation when loads can't be delivered on time. Money is removed from my bank account when payments are made but not credited to my credit card or at least not made available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine
Product: Credit card or prepaid card

XXXX purchased anything on this card in over two months its been sitting in my closet all of a sudden Ive been paying {$35.00} every month so I can hurry up and pay the {$750.00} off on this card as of yesterday I have a balance of XXXX now today 24 hours later I have a balance of XXXXXXXX XXXX XXXX dollars Im getting hit for late fees and Im not even using this card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. there were not obtained with my consent. 

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 card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Vehicle loan or lease

I've had XXXX conversations with Credit Acceptance Corp over 3 months. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I've attempted to clear my past due balance as I was out of work for XXXX weeks due to complications of a sickness I had which has now subsided. My income was non-existent and I called the company multiple times to resolve and all they have told me was that " sorry, we can not help you ''. I was asked to make multiple payments within weeks of each other as I come out of this hardship which I can not do and I have made them aware. 

I know lenders do have solutions for situations like mine but for some reason have chosen not to help me. I am able and willing to pay them going forward but can not simply write them a check for the past due because I had no income during the time I was delinquent.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items 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
Product: Debt collection

On XX/XX/2021 ERC has reported negatively on my credit report causing damage. This item doesn't belong to me. And a clear result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.      When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.     You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation  of 1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation  of Federal Law and   evidence of your willful disregard of the law.     Please be advised that under S ection 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I reques t that you do this immediately.     The law is very clear as to the civil liability and the remedy available to m e ( Section 616 & 617 ) if   you fail to comply wit h Federal Law. I am a lit igious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     Name of Account : Account Number : Provide Physical Proof of Verification  XXXX   XXXX   XXXX  unverified account-no contract  XXXX   XXXX   XXXX   XXXX  unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I know nothing about this hard inquiry it was not authorized. Noticed it from XXXX XXXX  on XXXX
Product: Checking or savings account

On XXXX around or about XXXX I made a deposit of {$1300.00} at Wells Fargo ATM on XXXX and XXXX in XXXXXXXX XXXX. Routine message stated funds may not be available until XXXX. Around or about XXXX XXXX received a text message that stop payment hold was placed on deposit. Called Wells customer service around XXXX question the stop payment message with call rep. Texted XXXX client XXXX and received response with email verification that they did not place a stop payment XXXX on XXXX. Called Wells Fargo second time spoke with a different call rep and informed them that client stated no stop payment was done. Agent read same script and advised payment would not be available until XXXX. Went into the Wells office spoke with short male employee. He was very rude, and his demeanor was abrasive. I attempted 3-way call with client on the phone and the employee stated, " if the funds become available on XX/XX/XXXX, then they will be available '' and dismissed himself. I left and came back because I left my debit card in the ATM because I needed to cover a payment that processed and since the funds were not available my account negative at that moment. I spoke with XXXX day manager and explained my issue and interaction with the other employee. Stated he would let manager know. On XXXX went back to wells spoke with XXXX and filed a complaint. On XXXX around XXXX received text message from executive office Wells Fargo. returned call asked agent to escalate issue to manager or attempt a manual process since I had provided a hard copy of the processed check given to me from the client XXXX and their bank XXXX. Everyone only reads from the screen in front of them and they have no escalation process. Sitting on my money for XXXX XXXX only helps their financial sheet and causes me undue financial hardship. I believe that Wells Fargo has a negative profile on my account and will not acknowledge it. I also find it hard to believe that no one in the company has any authority to review and correct a possible system timing error or deposit issue when documented proof is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage XXXX, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to XXXX through the dispute process, and with XXXX, to at least 7 people who all refuse to listen, and simply refer me to XXXX, claiming it is their problem. XXXX tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. XXXX point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by XXXX occurred. XXXX Mortgage XXXX has also changed from XXXX, to XXXX, to XXXX and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at XXXX confided with me that my situation is not atypical, and XXXX as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with XXXX who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!