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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or list of inquiries 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

Coinbase has locked me out of my account for approximately one month, which includes approximately {$1400.00} in my wealth. I have been locked out of this account despite filing a CFPB complaint on XX/XX/2021 ( XXXX ). 

As I mentioned in that complaint, I no longer have access to the email address on file with Coinbase ( XXXX ). The only reason I had to use that email address for my credentials is due to Coinbase erroneously trading XXXX on my account ( XXXX filed on XX/XX/201 - this error was never actually resolved, and the company blatantly lied/ignored that I did not place a trade that ended up costing me money ) and subsequently locking me out of my account when I attempted to reach customer service ( apparently attempting to contact the company is grounds for freezing accounts, which is awful customer service ). 

At this point, I can not access my account, which has implications such as : - My wealth being tied up in cash when it should and would be deployed into appreciating assets otherwise - My inability moving forward to access tax documents pertaining to realized gains/losses on Coinbase crypto trades, which will hamper my ability to accurately file taxes with the IRS At this point, I know the company is terrible - but I am asking that I once and for all get access to my own wealth. When that happens and I can move my funds off the platform, Coinbase won't have to ever hear from me again ( as I will never use this company again ). 

If I am not promptly contacted via phone ( XXXX ) or my actual, current email address ( XXXX ), I will continue filing CFPB complaints every month, I will seek legal action via class action lawsuits, and I will do everything in my power to let everyone in my network understand the issues with Coinbase ( and subsequently why they should use competitors, such as XXXX, XXXX, etc. ). 

To be abundantly clear, this means that the typical non-sense " help '' email from Coinbase to an email account I can not access is not an acceptable outcome, nor is it even a resolution in any sense of the word. 

Coinbase should be ashamed and embarrassed by the customer service deficiencies that have become glaringly obvious over the past years.
Product: Vehicle loan or lease

On XX/XX/2023 I applied for an auto loan and it was authorized. Come time for the first payment on XX/XX/2023, I set up monthly auto payments over the over the phone with a employee of the company " Global Federal Credit Union. They informed me that the auto payment will take one month to process, however I can make my first payment online, which I set up. They told me that I was not going to be able to set up automatic payments online. I was charged twice the second month in XXXX. 

I called them requesting that they correct the issue, which is where they informed me that their automatic payment system is through two entities. I continuously made phone calls to get the double payment corrected, and they ended up correcting it by cancelling both payments leaving me behind one month. When I called another agent to inform them of the error I saw, they informed me that it was nothing and they didn't appear to recognize any issue. Come later I was contacted by another agent stating that I was behind on month 's payment.

I walked into a Global Federal Credit Union and they had a few forms to complete and they completed an autopay enrollment in person with me. To the day of this report on XX/XX/XXXX. I have not seen the money " XXXX '' withdrawn from my account. This appears to be headed down the same pattern of them failing to properly set up the autopayments. 

For a consumer this is stressful and puts my credit at risk while I'm working off the grid for 2 weeks on/off in rural Alaska in a place where I don't have great access to internet. This company " Global CU 's '' poor management and training of their employees after the merge with Alaska USA has caused a giant flaw in their autopayment system. It's likely illegal that they charged my account without authorization and their lack of proper payment processing puts me at substantial risk of damage to my credit.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian doesnt want to delete the XXXX XXXX account on my credit report. I was told by them that the information was verified with the original creditor and that is completely false because I contacted the original creditor myself and they arent reporting anything to Experian, the account was sold to a company called XXXX XXXX and I also contacted them and they sent me a letter saying the same thing, they are not reporting anything to Experian. I want Experian to tell me who did they verify the information with because I am sure it wasnt non of these creditors, XXXX  deleted the XXXX account without any problems, I told them what was going on and they deleted the account. I want this account deleted because it is not being reported accurately and there is no creditor reporting it. I would also like the phone number of the person that Experian contacted to verify the information and also the name of the person that they verified the information with.
Product: Vehicle loan or lease

Us auto sales charged me alot of interest towards the cars I've had through them and they repoed my one car when it was in the shop that they choosed and never called to let me know it was done and ready they just repoed it and then the other car they closed down and never reported any payments to the other loan company that took over and that one was repoed while I was at work.. both cars had the shut off switch and they pretty much screwed me over and when you try to talk to the loan company that took over they said we'll us auto sales never reported anything.. so now it's stuck on my credit report when it shouldn't be. It's there fault not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the charge-off notation on my credit report for account [ Account XXXX ], which has been paid in full and reflects a {$0.00} balance. Despite fulfilling my financial obligation, the charge-off remains on my credit report, negatively impacting my credit profile. 

Legal Basis for Charge-Off Removal Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], furnishers of credit information are required to ensure that all reported data is accurate, fair, and substantiated. The continued reporting of this charge-off as a derogatory mark, despite my full payment, constitutes inaccurate and unfair credit reporting. 

Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or misleading information on my credit report, and XXXX  XXXX is legally required to conduct a reasonable investigation within XXXX  days of receiving this request. If the charge-off can not be verified as accurate, it must be removed immediately. 

Furthermore, under FCRA 1681b ( a ) ( 2 ), XXXX XXXX must demonstrate a permissible purpose for continuing to report negative information that no longer reflects my actual financial standing. Since the account balance is {$0.00}, there is no longer a valid reason for maintaining the charge-off status on my credit report. 

Request for Immediate Action I formally request that XXXX XXXX : 1. Immediately remove the charge-off notation from my credit report with all major credit bureaus ( Experian, XXXX, and XXXX ) XXXX 
2. Provide written confirmation that the charge-off has been removed or updated to reflect accurate and fair reporting.

3. Cease any further negative reporting regarding this account, in compliance with federal consumer protection laws. 

If XXXX  XXXX fails to remove this inaccurate and unfair charge-off within XXXX  days, I will escalate this matter by filing a complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Comptroller of the Currency ( OCC ) The Better Business Bureau ( BBB ) Additionally, I will explore legal remedies under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692e ], which prohibits the misrepresentation of credit information. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the charge-off removal. Please provide a written response within the legally mandated time frame.
Product: Mortgage

I started a refinance XX/XX/2020. My file went to closing on XX/XX/2020. The closing agent, XXXX XXXX, all but refused to call anyone other than her contact at the title company for almost three weeks. She only called someone else once I complained to my loan officer, XXXX XXXX, and called the title companies in my area. She was informed by the manager of the title company her contact no longer worked there. She then sent the request to a local company, XXXX XXXX. After a few days I called the title company to ask about the progress and was informed there was no open order. I told XXXX and she told XXXX who finally called XXXX XXXX and was informed she was given the wrong contact information and had to resend it. On XX/XX/2020 she was asked some questions but didn't answer until XX/XX/2020 at which time she was asked if a survey was needed. She didn't answer that until XX/XX/2020 by having XXXX contact me to request the survey. I have had to resend documents because they expired and resign documents because they were wrong. Every time a request was made of me I complied. When I complained on XXXX I finally got a call from XXXX to get more information from me and that someone would call me tomorrow ( XX/XX/2020 ). It is now XX/XX/2020 and I have yet to receive a call. It has been two and half months since my file was sent to closing. I finally closed on XX/XX/2020 but still have yet to receive a call from M & T Bank about the problems and delays I had. Throughout this whole process I either talked to or tried to get a reply from five different people. Only one was willing to always return any correspondence either phone, text, or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sends an email stating that the dispute results are available but they are not accessible when click on. The content is blocked They did not supply requested original documentation through the mail They did not supply a complete report number
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to each Bureau on XX/XX/2020 and I have yet to receive any information about the results. it is my understanding that Transunion, XXXX and XXXX  have 30 days to respond. It has now been over 60 days. I would like my results as requested because they are breaking the laws. the FCRA clearly states that I must have an answer or they must comply with my request.
Product: Credit reporting or other personal consumer reports

It can to my attention that my information was fraudulently used as a co-sign for an auto loan with Santander. I did not co-sign, I did not give my authorization for this co-sign. I requested the documentation from the company multiple times but have gotten the run around.
Product: Credit card or prepaid card

This is a problem with discover credit card. I have tried to resolve this problem I had so charges on my credit card that I didnt authorized. You see I had XXXX in XXXX 2016 most of my credit cards was paid off. I had severe complications the XXXX which I was in and out of the hospital for two years then I went to a XXXX for about six months or so after I got out and was made aware of everything my credit cards were stolen and I took action on this and I called the credit card companies and disputed the charges I also made a report identity theft. Most of the credit card companies took it off my credit report disputed it no problem Discover is giving me a very hard problem they are now taking legal action against me when I have asked multiple times for them to prove the charges and give me an itemized statement that has all the charges on there so I can go over them all they can produce is the top copy of my bill which includes the amount charges the late charges the interest and all that but nowhere in there is an item my statement I have made them aware of this and they still are taking legal action against me and I do believe this is unfair. They are saying that I owe over {$2000.00}.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfer and debit card, and through intermediaries named XXXX  XXXX, and XXXX in the total amount of XXXX USD utilizing their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

All this information on my credit report is incorrect XXXX ACCOUNT XXXX - {$64000.00} XXXX XXXX ACCOUNT XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX {$0.00} XXXX XXXX  XXXX ACCOUNT XXXX {$0.00} XXXX ACCOUNT XXXX {$0.00} XXXX XXXXXXXX. ACCOUNT XXXX {$0.00} XXXX ACCOUNT XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX, I got out of the military and opened different lines of credit as I continued my career in the civilian sector. On every credit account that was opened, I also opted in to the " XXXX insurance '' on said accounts to ensure that I was covered in the event of XXXX. This includes two debts from portfolio recovery in the amounts of {$390.00} and another for {$3100.00}. This year, I underwent a XXXX that caused me to become a XXXX XXXX XXXX  XXXX Veteran. Upon becoming XXXX, my Wife contacted the original creditors in order to implement the XXXX protection on my accounts. I have asked Portfolio Recovery repeatedly to verify that there was no XXXX insurance on my accounts, as they are trying to collect on a debt that was covered. I have disputed with the credit bureaus and asked them to show this information and they have not- to date, yet continue to report negatively. I was never given any notice of the debts before they showed up on my credit report and then why I asked for validation because I knew I had XXXX insurance, the request was simply ignored. I only learned of the amount claimed that I owe, based off of my credit report. Today, XX/XX/XXXX- I logged onto the portfolio recovery website and clicked " live chat ''. I asked if the debts were cleared up and was told that I had to call in. I have XXXX issues that prevent me from taking deep breaths, but have to call in to speak to a rep to try to resolve this from reporting? That is absurd. I am trying to resolve any credit issues that I have, but this company refuses to help me do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it
Product: Vehicle loan or lease

Vehicle was repossessed and lender is reporting as a closed account with an outstanding balance. Also I was not given proper notices once vehicle was repossessed before it was sold. Vehicle was repossessed and sold. Lender is reporting incorrectly, incorrect dates, status and balance owed.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 
According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, personal characteristics, or mode of living is obtained with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated the accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything must be accurate. I have the credit report showing the inaccuracies. 

1. XXXX XXXX XXXX Account # on XXXX is XXXX. 
2.Account # on Equifax is XXXX. 
3.Account on XXXX # XXXX. 
4XXXX reports last updated XXXX XXXX 5.XXXX  reports account was XXXX XX/XX/XXXX XXXX reports last updated XX/XX/XXXX XXXX reports last updated XX/XX/XXXX 1.XXXX reports Account # on Equifax XXXX XXXX XXXX XXXX reports Account # XXXX 3.XXXX reports Account # XXXX 4. XXXX reports last update XX/XX/XXXX XXXX reports last update XX/XX/XXXX 6XXXX reports last update XX/XX/XXXX XXXX reports Account # XXXX on XXXX 2XXXX reports Account # XXXX 3. XXXX reports Account # XXXX 4XXXX reports last update XX/XX/XXXX XXXX. Equifax reports last update XX/XX/XXXX 6.XXXX  reports last update XX/XX/XXXX XXXX
Product: Credit reporting

I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM XXXX, TRANSUNION AND XXXX '' ; filled out the form, and the XXXX credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX ; XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports that I owe them {$100.00} and the account is still open however Ive never had a XXXX account.