23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I got a call from Goodyear Tire Store XXXX XXXX XXXX, AZ. They wanted to set up a time to install new tires that were charged to my now closed Goodyear credit card. The Goodyear Credit Plan is through Citibank. I contacted XXXX XXXX of the store and explained that the charges were fraudulent and I did not order tires. I filed a fraud report with the Goodyear Credit Card for charges made on XX/XX/XXXX {$470.00}, XX/XX/XXXX {$510.00}, XX/XX/XXXX {$1100.00}. I got a response dated XX/XX/XXXX stating that Goodyear was looking into the disputed charges. I filed an identity theft report with the XXXX XXXX XXXX California XXXX Police Department regarding the unauthorized charges. I closed the Goodyear Credit Card account on XX/XX/XXXX. I got a letter delivered electronically dated XX/XX/XXXX from Goodyear indicating that they didn't have enough information to resolve the dispute and I needed to pay the charges. When I got a notice my payment was due I realized the letter was in my online account messages. On XX/XX/XXXX I called the phone number on the letter asking where I could send a letter requesting additional information. I send a letter that same day requesting the following : copies of the receipts for each charge including store number, address and phone number ; the specific tires purchased, signature of the person purchasing the tires ; copies of the service work order with information about the date and time of installing the tires ; the make, model license plate and VIN number of the vehicles on which the tires were installed and copies of their investigation documentation. I noted I planned on submitting the information to the Police Department to aid in the identity theft investigation. On XX/XX/XXXX I received a form letter stating that I am responsible for the charges on my account. None of the information I requested was provided. I still don't even know what tires were purchased.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, XXXX XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of the accounts and inquiries listed below. As a victim of a recent data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit report from any fraudulent activity resulting from this incident. 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX - XXXXXXXXXXXXX**** - XX/XX/XXXX - {$4300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX  - XXXX - XX/XX/XXXX - {$17000.00} Inquiries to be Blocked and Deleted : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE FOR THESE INQUIRIES TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Checking or savings account

Hi, my account was breached since I received my S.S. Benefit check dated XXXX. I have no money to pay my bills and I am being threatened by the utility companies that they will shut down my services. I am a Senior Citizen and XXXX. 

I called and filed a fraud report with Suntrust and was given a case # XXXX. My account appeared to be a negative {$12.00} and change on XXXX. The representative closed the account and issued me a new card which I received today XXXX. I checked my debit card account and now allegedly owe almost XXXX on a closed account. How is this possible! I have been with SunTrust for many, many years with no problems until the merger began. 

I need and demand that my account be restored to XXXX with my entire S.S. check of {$1100.00}. so that I can pay my bills. I am a XXXX XXXX  survivor ( last one out of the XXXX XXXX ( with XXXX XXXX XXXX   and many other ailments ).
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  was told to delete account from report instead they have left this account as closed reporting negatively on my credit see attached image from a previous complaint
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone:XXXX XXXX SS XXXX This is the XXXX time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Product: Debt collection

Global Recovery Group continues to call my phone number. They continually threaten to sue or send my " case '' to court. They threaten that I will be " served '' court papers at my place of work. They refuse to send me any information or a validation notice, which is required by law. I have spoken with XXXX and XXXX, the company that Global Recovery Group claims to be collecting for, multiple times. My debt to XXXX was paid back in 2014. I have record that the debt was paid and satisfied. XXXX also informed me that they do not use third-party debt collectors and have told me over and over not to pay this group and that it is a scam. The scammers have called under two different phone numbers and names : Global Recovery Group at XXXX and XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had BTC both in a wallet and a vault at Coinbase at the time BCH fork was created. An email from Coinbase said BCH would be delivered to customers in XX/XX/XXXX. A Coinbase article, stated those customers with BTC in a vault would receive BCH in a regular wallet. 

If my Bitcoin was in my Coinbase account rather than my XXXX account at the time of the fork, will I still receive my BCH? 

Yes, but the BCH amount youve been credited will appear in your Coinbase account rather than your XXXX account.Specifically, if your Bitcoin was in your Coinbase Vault at the time of the fork, your BCH will be credited to your BCH wallet in your Coinbase account.To access your BCH, log into coinbase.com where you will have the option to transfer to XXXX. ( XXXX | Bitcoin Cash FAQ https : XXXX ) On XX/XX/XXXX, a month early, Coinbase offered BCH to some customers and not all. There was a big press release where Coinbase stayed it had provided BCH to all customers with BTC at the time of the BCH fork. I received BCH for my bitcoins in their regular wallet, minus about a 6 % fee, but no BCH for bitcoins in their vault. The accompanying email stated Coinbase was working on providing BCH for funds held in their vault despite the article that said those customers would receive BCH in a regular wallet. 

( Screenshots attached ) After about 6 weeks and not hearing from Coinbase, I called their customer service department the first week in XXXX and was told Coinbase would not provide BCH to customers who held BTC in their vaults ( Screenshot provided ). I opened a ticket as advised and for the first time I received an immediate response from a representative at Coinbase who said they were working on the issue ( screenshot provided ) When Coinbase released BCH to some of its customers on XX/XX/XXXX, the following day on XX/XX/XXXX, BCH skyrocketed to about {$4100.00}. There was suspicion of insider trading and Coinbase conducted an investigation of itself. Since then BCH price fell over 70 %, Coinbases decision to provide BCH to some customers was financially harmful to other customers who were equally entitled to receive BCH but did not. They violated their own agreement, misled the public and probably broke laws around securities. A company can not selectively give dividends to some stockholders and not others at different times. Why should Coinbase be allowed to do so? 

I ask that Coinbase do the right thing and honor their agreement to deliver BCH to my wallet and compensate for the harm in its selective delivery of BCH to some customers with BTC ( at the time of the fork ) and not all its eligible customers.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and have unauthorized inquiriy from lightstream on my credit report
Product: Credit card or prepaid card

Received a credit card from Axos bank in mail on XX/XX/22. Not in my name but my address. Call XXXX fraud and reported it. Spoke with XXXX. He verified the account was set up not with my phone number nor my email. He closed account. Told me to contact main bank on Tuesday XX/XX/22 as banks closed XX/XX/22. Need to be sure other accounts have nit been opened linked with this card.
Product: Vehicle loan or lease

On or about XX/XX/2022 we bought a car from XXXX. It was financed through bridgecrest.com online. At that time I had no idea of interest rates. I thought it said 21 % which I thought was high but we have a limited income and I figured it was normal. Now the interest rate is 31 %. I'm not even sure when it went up, but I see now that it is a variable rate. We have been struggling to make these payments. To make matters worse 1 year from when we bought this car it started having issues. I had to borrow money to get parts to fix it and pay people to do the work on it. It still has issues. Now the entire undercarriage needs to be repaired. 
I called Bridgecrest approximately one year ago and asked if we could re-finance the car and they refused. Remaining Principal Balance : {$13000.00}. 
This is the only information I can find on here website about interest rates. Your account with Bridgecrest is simple interest financing. With simple interest, you are charged interest each day based on the balance you owe ( the 'account balance ' ). Your balance is the amount of the sales price you didnt pay at the time of the sale, but you have promised to pay with interest over the term of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with The Fair Credit act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX All Banks XXXX XXXX  Check Cashing Service XXXX XXXX Mortgage Reporters XXXX XXXXXXXX XXXX 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 instruction.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies TransUnion, XXXX and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I further discovered that the XXXX XXXX inquiry is related to a corporate business account which was not unauthorized by my authority. I have taken the action to have the inquires removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old employer on my credit report and I would like it to list my accurate employer that Ive been working with for over a year.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX and 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: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX at their XXXX, VA address regarding a potential violation of the Gramm-Leach-Bliley Act ( GLBA ). The letter requested validation of an alleged debt and proof of my explicit consent for the sharing or handling of my personal financial information. Despite my request, XXXX XXXX XXXX has failed to provide sufficient documentation demonstrating compliance with the GLBA 's Privacy Rule and Safeguards Rule, which require financial institutions to protect consumer information and handle it responsibly. This lack of transparency and validation raises concerns about improper data sharing and potential violations of federal privacy and consumer protection laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 and XX/XX/2019 funds were electronically sent to PayPal for the purpose of being available for a secure purchase under a promotional opportunity from PayPal offering 24 months on purchases with no interest which has an upcoming expiration date of XX/XX/2019. At the time the deposits were made there was {$3000.00} available to use. The purchase was for {$4000.00}. A request for an increased credit facility from PayPal was declined.

The transactions in this complaint have all been transactions in USD from US FDIC insured banks to PayPal between US based companies.

PayPal will not respond directly to a request for increasing the credit line. Their process is " try the purchase and if it works you're all set. '' The issues here are : 1. My FICO credit score is XXXX and I have never been late with PayPal in the numerous years I have done business.

2. My income is {$270000.00} annually.

3. No reason was provided for the refusal of increasing the credit line.

4. The monies paid have been deducted from my bank account on XX/XX/2019 and reflect " processing ''. The funds are not available. This is the same bank account that payments are made from for numerous years.

5. The funds are neither in my bank account to use for the purchase nor are they available for the purchase in PayPal.

6. The delay causes harm in denying the availability of the promotional offer.

The representatives at PayPal will not do anything to investigate, expedite or otherwise relieve the tension between the availability of funds and the conclusion of the promotional program. This is a service, finance and technology company. The restriction of the availability of funds is avoidable and inconsistent with generally acceptable policies by other finance companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}, {$3000.00}, {$0.00}, {$28000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting

I DID NOT AUTHORIZE THE INQUIRY FROM XXXX XXXX THAT IS NOW ON MY XXXX CREDIT REPORT. I APPLIED FOR AN AUTO LOAN FROM XXXX, AND THEY DID AN INQUIRY WHICH I AUTHORIZED. AT THAT TIME, THEY APPLIED FOR CREDIT IN MY NAME AT THE OTHER INSTITUTION. I DID NOT AUTHORIZE THEM TO DO THAT. SIMPLY PUT, THIS IS FRAUD. THE INQUIRY FROM XXXX IS VALID, BUT I WANT THE FRAUDULENT INQUIRY THAT WAS MADE IN MY NAME REMOVED, AND SANCTIONS AGAINST WHOEVER IS RESPONSIBLE FOR THIS ILLEGAL ACTIVITY. PLEASE RESPOND AS QUICKLY AS YOU ARE ABLE TO, SINCE MY ATTORNEY IS ALSO WAITING ON THE RESULTS OF YOUR INVESTIGATION.
Product: Credit card

I had opened a secured line of credit with First Progress in XXXX. I had used the card frequently and maintained an average 30 % usage or less. In XXXX, my card had expired. I reached out to First Progress via phone and mail service but had never received a new card. My balance had remained at {$0.00} from XX/XX/XXXX until XXXX XXXX  XXXX due to never having received the updated card. Within that time period I had also moved and switched phones. I lost most of my login credentials and the method of communication ( mail service ) I was using with the creditor. 

In XX/XX/XXXX, I was charged a {$29.00} annual fee for a card I was unable to use since XXXXXXXX XXXX XXXXXXXX. I did not see this nor was I aware of the charge. The following months I was charged a fee for non-payment which resulted in the balance being maxed out, my account being closed, and reports to the credit bureaus. I received late payment, high usage and then an account closure hit to my report. As of XX/XX/XXXX, I received a bill at my current address showing an account closure debit of {$200.00}. This company, whom I was not receiving communication from, had closed my account and taken then {$200.00} I had used to secure my credit with, to cover the fees I did not directly create. I did not have the means to utilize this line of credit as the company would not respond to my attempts to receive a new card.