23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was out of the country and booked a reservation through a travel agency named XXXX. The actual hotel name was XXXX XXXX. THE reservation was the same day I arrived. The reservation was made at XXXX in the afternoon. I entered my personal info name address and bank card info. I then thought the reservation was final .XXXX then sent me a email about 20 minutes later stating that they needed a photo picture of the front and back of my debit card and license to verify my information for there fraud department. The email also stated that if I had n't provided the information within 12 hours my reservation would be cancelled. I bank with suntrust and have recently had several fraud charges on my account including someome using my banking routing and account number to open a whole account with my information. I THEN called XXXX XXXX for more information before sending them my info. I called several times and was told to leave a message and never received a call back. About three hours later I then decided to make a reservation with the actual hotel to be safe then sorry. I also asked XXXX first to confirm that did not have the other reservation. I then made the reservation with the actual hotel for $ XXXX.Around XXXX XXXX that same day after I was checked in my room. XXXX XXXX charged my card for {$490.00}. I never received a call back from XXXX XXXX and I never sent them the information they asked for. I disputed the charge with my bank and they denied the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is in violation of 15 U.S. Code 1692b ( 2 ), also in violation of 15 U.S. Code 1692b ( 5 ), also violate 15 U.S. Code 1692c ( A ), 15 U.S. Code 1692c ( 4 ). reporting requirements do not comply with FCRA standards and the information must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have noticed some unauthorized and inaccurate information on my credit report. Hence, I am writing to request an investigation and removal of the unauthorized and inaccurate information. 

It seems that XXXX, XXXX, and Equifax have a systemic problem in its limited categorization of the inquiries it receives and its cryptic notices and responses. Their employees are no more than data entry clerks in the dispute and investigation process. Their investigations of disputes sometimes involve merely verifying that the information matches their own computer records, without undertaking a meaningful examination of the underlying facts. Therefore, I am requesting XXXX, XXXX, and Equifax 's credit investigation to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. In addition, I am requesting that XXXX, XXXX, and Equifax obtain a copy of the underlying application or contract from the furnisher, and provide several handwriting samples, such as copies of cancelled checks, a drivers license or backs of credit cards that include my signature. If these critical documents are left out of the investigation process, it may violate the FCRA.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Please be advised that the companies performing the harassing phone calls are listed below. 
XXXX  XXXX - {$400.00} FINANCIAL CREDIT NET - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX / XXXX - {$0.00} Please note that the account listed as XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX XXXX XXXX has a balance of {$0.00}. 

Please be advised that there are some unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX SVC - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I did not authorize or give consent to XXXX, XXXX, Equifax or any other agency to furnish information related to me and these transactions occurred without my permission. 

The information mentioned about is unauthorized and incorrect. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and Im writing to dispute certain information on my credit file resulting from the crime. On XXXX ( 11 ACCOUNTS ) that where reporting on my credit file where ( REMOVED/DELETED ) without my consent nor authorization. Im requesting for these 11 accounts to be ( RE-INSERTED BACK ON MY CREDIT FILE ) ASAP! WHEN I CALLED TO SPEAK TO A AGENT TODAY I WAS INFORMED THAT MY ENTIRE CREDIT FILE HAVE BEEN DELETED OF ALL OF MY ACCOUNTS AND PERSONAL INFORMATION! THE AGENT ONLY SEE 1 ACCOUNTS REPORTING WHICH IS A ACCOUNT THAT ( IS NO LONGER REPORTING ON MY CREDIT FILE )! I HAVE A TOTAL OF 11 ACCOUNTS THAT ARE REPORTING ON MY EQUIFAX CREDIT FILE!!!!!! I WAS ABLE TO LOG INTO ( MYEQUIFAX.COM ) TODAY ON XXXX AND IT SHOW ALL OF MY PERSONAL INFORMATION, REVOLVING, AND INSTALLMENT LOANS REPORTING ON MY CREDIT FILE. WHEN I CALL INTO THE FRAUD DEPARTMENT OR CUSTOMER SERVICE THEY ARE TELLING ME THAT MY ENTIRE CREDIT FILE HAS BEEN DELETED! THAT NO ACCOUNTS ARE REPORTING AND NON OF THE ACCOUNTS I HAVE HAD ARE REPORTING ON MY CREDIT FILE! I HAVE HAD CREDIT FOR OVER 8 YEARS AND NOW MY CREDIT FILE HAS BEEN WIPED CLEANED! WHAT HAPPENED TO MY EQUIFAX CREDIT FILE? 

I AM ATTACHING MY CURRENT UPDATED CREDIT REPORT THAT IS SHOWING ON ( MYEQUIFAX.COM ) AND ALSO ( XXXX ) SHOWING THAT ALL OF MY ACCOUNTS WHERE DELETED ON TODAY XXXX!!!!!!!!!!!! 

XXXX MY CREDIT FILE NEED TO BE FIXED AND MY ACCOUNTS NEED TO BE BACK REPORTING ON MY CREDIT FILE ASAPI NEED MY EQUIFAX CREDIT FILE TO BE UPDATED, AND MY ACCOUNTS THAT ARE SHOWING ON MY CREDIT FILE TO BE ADDED BACK ASAP! PLEASE ADD & RE-INSERT THESE ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!! 
***************************ATTENTION*************************** I AM ATTACHING MY CURRENT EQUIFAX CREDIT REPORT AND XXXX XXXX REPORT TO THIS FAX TO SHOW THE ACCOUNTS THAT WHERE REPORTING AND YOUR DEPARTMENT REMOVING THEM OFF OF MY CREDIT FILE! ADD MY 11 ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

PLEASE INVESTIGATE THIS ISSUE IN A TIMELY MANNNER, AND PROVIDE ME WITH A WRITTEN RESPONSE. I HOPE THAT YOU TAKE IN CONSIDERATION MY CONCERNS REGARDING THIS MATTER, AND I HOPE TO BE HEARING FROM YOU IN THE NEAR FUTURE.
Product: Money transfer, virtual currency, or money service

I deposited {$7000.00} dollars into my Coinbase account in 2 installments. One worth {$1000.00}, and the other worth {$6000.00}. I was prompted that the initial {$1000.00} would take 3 days or I could verify my ID again to gain access to the funds instantly. I had issues verifying my ID due to a legal name change but I contacted customer support and was able to resolve that issue by changing the legal name on my Coinbase account to my updated legal name. 

Once they did that I was able to verify my ID. I never got an email saying my ID was verified and my account had yet to show that the {$1000.00} was sent to my metamask, so I attempted to verify my ID again using the same ID and a VERY similar selfie that I submitted the first time. This attempt at verifying my ID failed and it placed my account under restriction. I saw that my {$1000.00} was sent to my metamask after that, so I opened another ticket to have Coinbase support remove the restriction placed on my account because it was placed in error. However, customer support has been unable to do so and has sent me 3 different emails saying my account is under review and the rest of my funds will be unlocked on 3 different dates. First in XXXX, then XXXX, and then XXXX. It seems as if these dates are being picked at random. 

I've been told that this is for my safety, but nothing causes more concern that not knowing when, or if I'll ever get my money back. I feel as if I've been scammed. I've used this platform many times and have deposited and withdrawn money. I don't know why this time would be any different. Especially if a {$1000.00} transaction was approved literally a day before. 

As of today the restrictions have been removed from my account so I'm free to buy, sell, trade, and withdraw funds according to Coinbase, but they still have the EXTREMELY unreasonable hold on my funds. ACH transfers usually take 72 hours to be processed, but the current hold on my deposit is 138 days. It absolutely makes no sense. 

Please help me get my money back from Coinbase. There has been no security breach and I am the only one with access to my account. I can provide any documents to assure that nothing fraudulent is occurring on my end. I'm very disheartened by this. I want to get my money off the Coinbase exchange and warn others to stay away from their shady business practices. 

The email associated with my Coinbase account is XXXX XXXX
Product: Vehicle loan or lease

I am having problems with BMW financial with my loan. At first I requested for a date change and they messed up and made me pay an extra payment. At that point I requested for the change to be placed back. I then went and made a payment on the account. Apparently the last  XXXX  digits to the account were transposed and they were not able to collect the payment from my   XXXX   XXXX   account. At this point I noticed that my credit beurea reflected a late payment. I called BMW financial and spoke to them and verified the last  XXXX  digits of the account. When I realized the last  XXXX  numbers were transposed I made a pay ment for what was behind and I also paid a month in advance. They are not working with me on this as they can clearly see it was a transposed number and as soon as it was fixed the payment went through. They are not being helpful and there customer service agents are very rude.
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 : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX 3 Account Number : XXXX 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$530.00}
Product: Debt collection

I am writing to express my annoyance and frustration regarding the inaccurate information on my credit report related to the accounts listed below : XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Despite my multiple attempts to resolve the issue, the late payments and negative status continue to be reported on these accounts. It is unacceptable that my family 's exceptional circumstances and financial difficulties due to the death of a close relative are not being taken into account. I want to bring to your attention that I have been in touch with the respective creditors, who have agreed to extend goodwill by removing the reported late payments and updating the status of these accounts. I expect that this agreement will be reflected on my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/2024, I reached out to Mariner Finance at the XXXX XXXX to make another request about my extra payments being applied to the Principal amount of my loan, and I was told by the Manager at that branch that was not possible and Manager there said he would have the District Manager XXXX XXXX XXXX, get in touch with me. And XXXX XXXX did in fact contact me on the same date mentioned above told me he would look into it, Only to contact me the next day XX/XX/2024, and tell me there was nothing he could do for me referring me to I contacted The Customer Service Relations ( XXXX ) on or about XX/XX/2024, where I had a very unprofessional and Contentious conversations with a women who refuse to give me her name and hang up on me because I was requesting for someone within the Company to sign a Sworn Declaration stating that I did and in fact make the request for my extra payment to be applied to my Principal Amounts of my Loan.
Product: Checking or savings account

Dear Truist, I am contacting you all in regards to my Business Checking Account ending in XXXX. 

I filed a fraud report for the transaction that took place on XX/XX/XXXX in the amount of {$46000.00}. 

I initially reported this transaction on XX/XX/XXXX however I just found out that my claim was never properly submitted and that it never was being processed. I just assumed it was taking a long time given it is a higher amount. 

Therefore, I filed a new claim which is associated with Claim # XXXX. 

In accordance with Truist Bank policy I am hereby requesting I receive a provisional credit for this transaction while it is under investigation within 10 days of this transaction being reported. It was re-reported on XX/XX/XXXX and I have not yet received a provisional credit and hereby request I receive said credit and that it be made permanent after the investigation is complete into this fraudulent transaction. 

Please handle this matter in an urgent fashion given this is a lot of my funds and a significant amount of my account balance. 

In the event I dont receive a provisional credit while this transaction is under investigation I will have to get my attorney to file a lawsuit given I relied on Truist Banks policy.
Product: Mortgage

My scheduled payment for the month of XXXX was on Friday the XXXX just before the XXXX XXXX bank holiday weekend but somehow the payment didnt transpire for reasons unknown to me. Newrez, the Mortgage Company however got their payment maybe at the next business day but still went ahead to make a late payment report with XXXX credit bureau which affected my credit score. I have however scheduled my XXXX payment within the grace period. This company is often found of threatening correspondences and unsocial hours phone calls about willing to foreclose my house even though I dont owe them any accrued/unpaid monthly payments. I always pay eventually, I dont have any outstanding accumulated monthly payments.
Product: Credit reporting

Equifax continues to violate the fair credit reporting act. 
Lien showing on my credit report does not belong to me and all other credit bureaus have since corrected except Equifax. 

They do nothing to confirm rather just use the electronic XXXX system and investigate it within 24 hours and leaves in on my credit report.
Product: Credit card or prepaid card

I was an authorized user on a Fifth-Third credit card. I never applied for the credit nor did I authorize use of my credit information for the card nor did I authorize release of this information to an credit reporting agency. I never agreed to any of the terms or conditions of the card nor did I sign any contract. Since XX/XX/2018, I have requested to be removed as an authorized user so that this no longer showed on my credit report. Initially Fifth-Third refused to remove me as authorized user when I made the request more than 4 months ago. This account continues to be reported on my credit scores despite my request that it be removed. I sent a letter on XX/XX/2018, formally requesting a copy of my credit application and verification of all accounts which Fifth-Third has associated to me, how Fifth-Third has the account associated to me, and confirmation of which accounts are reported to any credit reporting agency.

Fifth-Third acknowledged the receipt of the letter but has refused to provide any of the requested in formation in the last 30 days. A local representative " XXXX '' advised the matter was sent to " legal '' and that there is a memo that Fifth-Third was to remove the credit reporting history. To date this has not occurred despite the fact that this was originally requested more than 5 months ago. It appears that Fifth-Third was attempting to hold me liable as joint account holder and illegally refusing to remove me as authorized user on this account for which I never applied. 

To further matters, on Thursday, XX/XX/2018, I received in the mail two new cards for this account or potentially another account for which I have never applied. It is unknown to me whether Fifth-Third always sends cards to people who never applied for credit, or whether the individuals named on the cards fraudulently applied for credit using my information which was why the cards were mailed to my address. 

I have pristine credit and Fifth-Third 's refusal to correct its error in reporting, its intentional or negligent handling of the account, its refusal to remove/close an account which it reports to credit agencies despite the fact I never applied for the credit or consented to the terms any credit contract, and the fact that I am told by local employees that I " have no accounts '' with Fifth-Third and that any history of reporting will be " wiped, '' has caused extreme aggravation. Further, continually opening accounts without my consent, refusing to close or remove me from accounts, and lying about removal from any credit reporting history has detrimentally affected my credit score causing severe damage for me personally and my ability to run my sole proprietorship business.

I need Fifth-Third to respond to my originally requests and for all accounts to be removed from credit history as it states that I have no accounts with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account is inaccurately being reported., This account amount first became delinquent XX/XX/XXXX, was not brought current afterwards. Account is old and should be removed off Equifax. Equifax also reporting inaccurate information on a car loan account with XXXX XXXX. This car loan account was not late XXXX XXXX  XX/XX/XXXX. I made payments over the phone with XXXX XXXX representative ( XXXX separate payments for each month.
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. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S, C, 1681 Section 602 A state 's I have the right to privacy.

15 U.S, C, 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish and 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 card or prepaid card

At the end of XX/XX/2018, Citibank forcibly closed all my bank account and credit cards without any notice or informe. I have {$680.00} remaning balance in my account can't be withdraw and transfer.I called Citibank customer service line and send them letters as they required many times, but I didn't get any respond. It's already been 3 months, Citibank still didn't refund my money.

In accordance with federal law, Citibank must notify me one month before closing my account, but they didn't.

I earned this {$680.00} by legally and resonable credit card consumption.Therefore, I demand Citibank release my money immediately.
Product: Debt collection

I submitted a complaint earlier today # XXXX and at first I thought this debt was from an old creditor ( XXXX credit card ) so I put that info on my 1st complaint but upon further research and thinking about what the last phone call I received and what she said the debt was for is not true. I thought it was from a credit card company but they are trying to say it is a payday loan which is not mine. Thinking that the debt was mine a while back I set up 3 payments in the amount of {$59.00} ( {$50.00} for payment and {$9.00} processing fee ) and now with the call I received today its clear that I do not owe the debt they are referring to so they got me for roughly {$180.00} on a debt that is not legit. In my original complaint I stated that I owe the debt but now I know that I DO NOT. They wo n't tell me who the original creditor is. They are very rude and mean and very unprofessional when it comes to collecting debt. I do not trust these people.
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 XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a 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 convicti
ons 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, credit repair services, or other personal consumer reports

my information was sold to the credit reporting agencies by lexis nexis without my consent which is against the law. please fix asap!!!