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

XXXX XXXX XXXX  has falsely reported debt, false dates and false statements/signatures since XXXX on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXX XXXX  twice to remove them and they did, only to have XXXX XXXX XXXX falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax, XXXX, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Product: Credit card

I recently had a settlement arrangement for my Nordstrom account ending in XXXX. We issued all the payment checks from my escrow account with XXXX XXXX XXXX. However, one of the checks was not cashed by Nordstrom, which led to the cancellation of the settlement. We are unsure why this occurred and seek clarification on the matter.
Product: Money transfer, virtual currency, or money service

I had a verified phone number on my Coinbase account. I added 2FA ( two factor authentication ) using XXXX XXXX. Everything was working fine. 

Then, for security reasons, on XXXX XXXX, I removed my phone number from my account. I only wanted to use XXXX 2FA for security. 

Now, when I try to buy/sell, Coinbase requires me to add a phone number. When I do, I never receive the SMS code and thus can not verify my phone number and can not buy/sell. Customer Support is not responding. I am thusly unable to get access to my existing Litecoins to sell and can not buy any new cyptotokens.
Product: Debt collection

I am writing to formally dispute the collection account that has been reported by your agency to my consumer report in relation to Jefferson Capital Systems LLC. There are significant concerns regarding the validity of this debt and the methods utilized by your agency in its collection efforts.

At the crux of this matter is the absence of proper validation information, as is required by law. Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), your agency is mandated to furnish this information upon request. Regrettably, I have not been afforded the opportunity to review and contest the purported debt. Moreover, it is my firm belief that your agency has neglected to adhere to the appropriate dispute procedures delineated in 12 CFR 1006.34 ( c ) ( 4 ) ( 0 ). I have been deprived of a fair and equitable chance to question the accuracy of this account prior to its inclusion on my consumer report.

It is evident to me that your agency is engaging in practices that are deceptive and misleading, thereby contravening my consumer rights. Such actions are in breach of various legal statutes, including 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

It is impermissible for a collection agency to furnish information to consumer reporting agencies without adhering to the requisite legal protocols. Consequently, I insist that all collection activities pertaining to this account be halted until the essential validation information is provided to me, and I am accorded the opportunity to dispute the debt as outlined by the law. Failure to adhere to this request may lead to legal recourse being pursued against your agency. I trust that this issue will be promptly and earnestly addressed in accordance with the applicable regulations and statutes. Your cooperation in resolving this matter expediently is greatly appreciated. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Hi I had my coinbase account with id XXXX and changed my phone as a result the 2FA was not working. In order to recover my account I tried to upload my new identification documentation 100s of times but the system returned " ID Unreadable ''. I then created a new coinbase account XXXX with the same Identification documents and it was recognized. I then asked Coinbase to : 1 ) Either recognize my identification documents for account XXXX OR 2 ) transfer my coinbase funds ( BTC, ETH, LTC, etc ) from my old account XXXX to XXXX - so that I could get access to my funds. 
I have been unable to access my coins / funds since XX/XX/2017. 

Several tickets have been raised for both the above requests, but till date the only response I have got it they are working on the issue, for the past 3 months I have been following up regularly but my problem is still not solved. 
1 ) Tickets to restore my old account ( XXXX ) # XXXX ( XX/XX/2017 ) 2 ) Ticket to transfer funds from old account ( XXXX ) to ( XXXX ) # XXXX - initially raised on ( XX/XX/2017 ). 

Their software easily reads my id when I create a new account, but when I try to restore my old account it fails badly. 

I have been following up almost daily on XXXX and sending reminders to help me as approx. XXXX USD amount of funds are stuck and I can not get access to the coins. 

I am ready to send them any documentation they need, they already have my mobile number and can verify my identity using SMS and my pictures. 


Thanks XXXX XXXX
Product: Credit card or prepaid card

I received an unsolicted card from Chime on XX/XX/ that was a debit card. They were somehow able to get my name and address on the card and wanted me to activate an account.
Product: Bank account or service

I would like to file arbitration against Scottrade. Scottrade has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.
Product: Prepaid card

I receive my monthly XXXX XXXX XXXX.on a Direct Express debit card. I have been a customer for over XXXX ( XXXX ) years. 

On XX/XX/XXXX, I attempted to make an online purchase of XXXX bottle of skin tag remover for the listed price of {$29.00}. When I entered my Direct Express card information the transaction was declined.. I then tried to make the purchase using my XXXX XXXX credit card. Once again, the transaction was declined. About XXXX minutes later both these accounts were charged {$190.00}. 

I immediately contacted both XXXX XXXX and Direct Express to report these fraudulent charges. XXXX XXXX conducted an investigation and determined the charge of {$190.00} was indeed fraudulent and removed the charge from my account. 

However, Direct Express determined that the charge was authorized by me, and they soon thereafter closed the case and offer no method of appeal. I have written them several letters to no avail. Common sense would indicate that an XXXX year old man ( DOB XX/XX/XXXX ), depending on XXXX XXXX for support, would not order almost {$200.00} worth of skin tag remover. 

I am extremely diappointed in Direct Express especially since I consider myself a loyal long term customer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This phony bill collector does not have a claim against me I DO not know why they keep calling me ... ..I filed a chapter XXXX in XXXX and XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridge crest is the loan company for XXXX This was never a loan as the car my son received was not working and they are picking it up. XXXX paid for the two months that they left it sit in the driveway. They insist on having it delinquent on my account and still showing late fees, it was never an active loan. I want it off my credit report completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX  credit card was opened in my name 8 years ago. I have called XXXX XXXX   XXXX who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to Equifax and still after a year I have no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a member with PenFed for 2 years. I recently had a mix-up with them regarding a late payment that I contacted them to resolve. In XXXX of 2022 I got a notification from a credit monitoring service that I was on the verge of having a late payment with my card ending in XXXX. This was highly unlikely as all of my credit cards are on automatic payments. I quickly reached out to the company and spoke to a representative that told me that I didn't have auto payment on that card and that it had reverted to a new account that had been opened. I was confused because I had never opened a second credit card and never applied for one. The representative helped me close the account and reinstitute my auto pay assuring me that the late was just a warning and would not get a late payment since I had taken care of the payment already. I asked them multiple times to ensure that I was in fact not going to have a late show up on my credit report and A few days later I did in fact get a late payment reported on my credit report so I reached back out to PenFed for help and they started an inquiry and according to their findings didn't see anything wrong. I believe that not only did they open an account without my knowledge they also lied and told me that this would be resolved because of a mix up in their system. 

But in accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Hi CFPB, on XXXX I received an email from Paypal saying that they close my Paypal account and that my balance ( XXXX EUR ) would be retained for 180 days and that if at the end of those 180 days had funds available for withdrawal, they would be made available for transfer. 

They never specifically told me the reason for the suspension because they don't say specifically what the reason and which point of their contract I broke. 
On XXXX, I received an email from Paypal with the subject " Status of your Paypal funds '' in which they said that my balance remained as a reserve amount. 

On the XXXX, I received an email from Paypal with the subject line saying that " You are already a recognized seller '', receiving congratulations from Paypal for that. " Congratulations! You are already a recognized seller. '' If I am recognized, why do they close my account? This makes no sense. 
It so happens that yesterday, when I logged into my account, I noticed that my balance is at XXXX and the 180 days have not even passed ( they only end on XXXX ), and I see that Paypal, without saying anything to me, made a transfer to themselves on XXXX alleging " NoteXXXX EUR ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; PayPal damage caused by violation of Acceptable Use Policy ''. 

They transfer without my knowledge? With what reason? 
Then they claim damages caused by violating the PUA, but what damages? At no time was there a complaint regarding any transactions on my account, nor any type of chargeback on my account. So, what damage did I cause you to withdraw XXXX from me? 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a XXXX chargeback rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws. That being said I have no problem with, and agree to leaving a balance for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter over 30 days ago and have not gotten a response in regards to all of the incorrect information they have reporting on my credit. They have incorrect addresses, and jobs that I wrote to have deleted and they are still there. No response no letter no nothing.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you in good health. I am writing to request specific information concerning the method of verification utilized by Equifax in reporting bankruptcy information. 

Upon recently receiving information from your database indicating a bankruptcy entry on my consumer report, I am seeking clarification regarding the procedures and methods employed by Equifax to verify and validate such bankruptcy information. 

I kindly ask for the following details : The specific procedures and methods used by Equifax to verify bankruptcy information. 
Any documents or criteria utilized in the verification process. 
I recognize the significance of accurate and verified information within consumer reports and am keen to ensure the integrity of the data associated with my profile. 

I kindly request your response to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is essential in addressing and resolving any discrepancies related to my consumer report. 

Should there be any specific forms or additional information required to facilitate this request, please do not hesitate to inform me. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated timeframe.
Product: Vehicle loan or lease

I had lost my job. Regional Acceptance Corporation advised me that I needed to pay {$180.00} to keep my vehicle since I had a new position. I paid {$190.00} to them. Today, I received a call that I was advised incorrectly. I needed to pay {$1800.00} to keep my vehicle. I stated I do not have that money. I will be paid on XX/XX/year> and can make a partial payment. I need to pay on my mortgage as well. I was told " that isn't good enough ''. I stated I made the payment I was first told to hold on to my vehicle, as long as I made payments. I was told " you're going to lose your truck now. I'm putting in for a repossession. ". 

I hung up. I will now be forced into bankruptcy since I will not be able to get to my job. I will also lose my home. 

Don't do business with Regional Acceptance Corporation. They will lie to you just like they did to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an fraud alert on my account. I didn't authorize any of this.
Product: Credit reporting or other personal consumer reports

I opened a secured credit card with XXXX XXXX in XXXX of XXXX. During the COVID-19 pandemic. I closed this account and received some of my initial deposit into this account back. For the past 2 years, XXXX has not provided verification of documentation and I have requested this documentation of the account from open to close, showing where they sent me money back after I closed the account, but I have failed to receive any of said verification of documentation from XXXX  or Equfiax which makes this information inaccurate. XXXX XXXX XXXX  took my rights as a consumer and decided to make my account a profit/loss write off. XXXX XXXX XXXX reports the status to Equifax as : Account charged off. {$45.00} written off. {$61.00} past due as of XX/XX/XXXX. Status was updated XXXX XXXX Credit Usage 110 % with a credit limit of {$100.00}. Past Due Amount of {$61.00} and a Highest Balance of {$150.00}. But no monthly payment is reported nor are the terms. The 24 month payment history currently reflected on my Equifax file have NO payment history only that XX/XX/XXXX the account was charged off. I've requested documentation from XXXX XXXX XXXX  and have failed to receive documentation. Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. ''
Product: Debt collection

Identity Theft victim and Fraud, Submitted Reports to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX time disputing accounts that are fraudulent. I am not an attorney or third party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize : -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 # XXXX -XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows unauthorized hard inquiries, in clear violation of 15 USC 16c-2. This is affecting my credit negatively ; please correct this error.
Product: Credit reporting

I HAVE HAD FRAUD ALERTS ON MY REPORT SINCE XX/XX/XXXX. IN XXXX XXXX SOMEONE OBTAINED XXXX IN MY NAME. I HAVE SINCE SENT IN A COPY OF MY POLICE REPORT, RENTAL LEASE, CURRENT CABLE BILL ( XXXX XXXX ) SO FAR XXXX AND THE CREDIT BUREAUS HAVE YET TO DELETE THIS FROM MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on report I have never lived. XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX. 

Also my name is XXXX XXXX XXXX, not XXXX XXXX, or XXXX XXXXXXXX XXXX, nor XXXX XXXX XXXX
Product: Credit card

Was charged late fees when I shouldnt have been and was never corrected. Paypal credit refuses to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information has been used to get loans in my name. The credit reporting agencies are not doing the work properly to remove these accounts. They are fraudulent. I am filing disputes and they are not attaching the correct paperwork I am sending and sending me copies of the verification process per the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( XXXX ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car has been paid off for months ago and I also tried to correct this before with Equifax!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX 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