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

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX,, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

I want the following removed : 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: Credit reporting or other personal consumer reports

I have had this card for a awhile the XXXX card with XXXX Bank since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXXXXXX XXXX XXXX  Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score about 790, but they reported only XXXX,. XXXX use that reason to deny my service.
Product: Credit card

To begin, Ive lived at my current address for nearly 8 years and have never experienced mail delivery delays with the U.S. Post Office. Each month, I mail payments to several companies and all have been received and posted timely. With the exception of Regions Bank. 

On XX/XX/year> my wife and I began receiving text messages from Regions Bank saying our Regions Bank XXXX card payment was past due. Initially we thought these texts were fraudulent since I had mailed a check to Regions on XX/XX/XXXX. The texts continued and I called Regions Bank on XX/XX/XXXX. 

The Regions Bank representative told me no payment had been received, so I agreed to let Regions Bank debit my XXXX XXXX checking account on XX/XX/XXXX to remedy the past due status. 

We began receiving texts again on XX/XX/XXXX saying our XXXX payment was past due. I promptly call Regions Bank again and their representative apologized saying Regions debit processing system was not working, the debit transaction I had authorized on XX/XX/XXXX did not go through. Unfortunately, no one from Regions Bank contacted me regarding this. I agreed to give Regions my XXXX XXXX routing and checking account numbers to facilitate the payment which, this time went through. 

The very next day, XX/XX/XXXX, Regions Bank finally processed my payment check from XX/XX/XXXX, some 42 days later. 

Frustrated by all this, on XXXX XXXX I mailed a check to Regions Bank to pay off this XXXX card. As of this writing, now 18 days and counting, Regions Bank has yet to process this payment. All the while interest continues to accrue on my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  XXXX on XX/XX/17 to make a payment on an old account that was closed out with them. I learned that it was closed due to fraud which I had no recognition of. A XXXX  XXXX XXXX representative in their recovery department advised me that a letter was sent to Early Warning Services to remove the negative notation and that the money I paid was accumulated overdraft fees. I then contact Early warning a couple of weeks later and was advised that the bank only updated the account as paid, but still left the negative remark associated with the account. I sent in papers showing proof that I had no knowledge of what occurred with the account which is why I was advised that all negative remarks would be deleted but this hasnt been done. Ive been waiting to open an account and this is hindering me from doing so. XXXX XXXX XXXX is not complying and so is EWS ; both companies are sending me back and forth between the two of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Dear Experian, My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made an airline ticket purchase back in XX/XX/XXXXand it was fully refundable ticket. in fact i purchased another ticket for the same dates but i had to us another credit card company and when i contacted the airline company for a refund i was giving the run around but when I disputed the transaction with XXXX  XXXX  I was refunded the money immediately, but Citi card denied my claim.
Product: Money transfer, virtual currency, or money service

My BINANCE.US account has been locked disabled for more than a month and that is a long time with no explanation or response from a real person. No chat available and no phone listed. Just automated bots. I am still able to deposit funds for trading but I can not trade. I can not withdraw funds I can not sell positions.
Product: Checking or savings account

To whom it may concern : My complaint is with Chime Bank. I use this account for online gaming with XXXX. I received my first email from Chime Outreach on XX/XX/XXXX. They said routine monitoring required verification. The deposits from XXXX  were flagged as suspicious. I sent the documents they asked for and called Customer Service to explain that I was online gaming and that if they just looked at my bank statements they would see that I pay into XXXX  to play and they pay back my winnings. The agent I spoke to made a ticket on my account and said if I got any more emails to just respond and tell them it's just gaming and that they had already made a note of that on my account. I did so and they kept emailing. I answered every email and sent every document they have asked for. Copies of emails from XXXX, copies of all my transactions from XXXX, copies of my own bank statements showing my deposits TO XXXX, copies of my husband 's W2 from his employer, which is a paycheck we get direct deposited into this Chime account twice a month, copies of my ID, cable bills and tax forms with my address on them. I have never NOT responded and kept in constant contact. I received an email on XX/XX/XXXX asking for more documents and that I had XXXX business days to send them. Instead of XXXX business days, my account was suspended XXXX hours later. I asked for a phone call so that I could discuss this with an actual person. I never received any confirmation that any of those documents were ever received or reviewed by anyone. I only kept receiving the same repetitive emails over and over with no clarification about what to specifically do. Even then, I still ALWAYS responded. I called customer service and they told me there was nothing they could do. I have saved all our emails back and forth and also my XXXX recorded phone calls with Chime Customer Service. I have been met with resistance at every attempt to clear this up. Even when Chime sent me a link to upload more documents, the link said " You've reached your document upload limit '' and when I called to have that fixed, I was once again told they could not help. I have photos of this as well. All anyone would have to do to figure this out is just to look at my bank statement. It could not be more clear that I pay XXXX to play their games and they pay me my winnings back. It's all right there on my bank statement that they have had access to this whole time. I can not pay my bills, rent, or buy food for my family. We did not even receive my husband 's paycheck because of this suspension. We have a XXXX XXXX XXXX child and elderly parents who also rely on us. The reason I use XXXX in the first place is to help make extra money for my family. I have done some online research and have noticed this has happened to thousands of Chime customers, over the last several years. They have a record number of complaints and have been sued several times. I am getting no response and they have not fixed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following addresses inaccurate and not my current or correct addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX. The following inquiries areon my report that were not applied for by me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY
Product: Credit card or prepaid card

Synchrony Bank on behalf of QVC reduced my credit limit for no reason. There was no decline in my payment history and no decline in my credit report. They purposefully and willfully impacted my XXXX store by doing this. I'm not asking for a credit limit increase that would further impact my XXXX with a hard credit inquiry. THIS IS NOT A DUPLICATE. THE ORIGINAL COMPALINT DID NOT ADDRESS MY ISSUE. I'M NOT ASKING FOR A CREDIT LIMIT INCREASE. XXXX and XXXX. Please read the complaints or I will keep filing.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into multiple hard inquirys listed on my credit report. After reviewing my credit report, I noticed a few inquiries that I do not recall authorizing. I am concerned that this inquiry may be unauthorized and could potentially impact my credit score.

TransUnion informed me to contact the companies. I did. They either failed to respond or directed me to contact TransUnion. Evidence to support my claim is attached!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a security freeze with the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX according to their instructions by sending them a letter. I sent it by registered mail and received the Domestic Return Receipt stamped by them on XXXX, XXXX 2018 as proof of their receiving it. I never heard from them again. I do not know if a freeze was ever placed. 
After looking them up on the XXXX XXXX XXXX XXXX website I discovered many similar complaints, as well as the fact that they are not accredited by the XXXX. 
I tried contacting them by phone twice, once to request a credit report and once to request that any freeze be lifted. I tried to use their automated system that said both times that my request could not be processed and hung up on me.

I do not want that company to have my information and request that in the case a credit freeze was placed on my account it now be lifted.
Product: Credit card

On XX/XX/XXXX, I applied for a CitiBusiness AAdvantage Platinum Select MasterCard. My application was accepted with an offered bonus of 75,000 AAdvantage miles for spending {$6000.00} within the first 180 days. 
On XX/XX/XXXX, I added my husband as an authorized user on the card. 
From XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, there were multiple incidents where Citi locked one or both cards for purported fraud concerns. My husband called to unlock his card but I did not want to spend the time to call and navigate their phone tree. 
On XX/XX/XXXX, 154 days after application, I completed the minimum spend requirement and should have received the AAdvantage miles as a bonus. 
On XX/XX/XXXX, I chatted with XXXX on citi.com to discuss the missing miles. She informed me that I must first call to unlock my card. 
On XX/XX/XXXX, I called customer service who advised me to call the security team. The security team informed me that I should call fraud team. The fraud team finally unlocked my card. After unlocking the card, I called customer service who advised that I should call the application status team to find out why I had not yet received the miles. 
On XX/XX/XXXX, I called the application status team who informed me that I was not eligible for the bonus because my husband had received the bonus seperately for a card that he opened in XX/XX/XXXX. I protested that the accounts were separate so the customer service representative, XXXX, told me he would file a protest on my behalf and that I would learn the results within 7-10 business days. 
On XX/XX/XXXX, I received a letter via US Mail informing me that " bonus miles are not available if you have received a new account bonus ''. 
I have not previously received a new account bonus. I fulfilled the terms of the signup bonus agreement and Citi is now refusing to release the miles to my account. Reaching someone who can can help me has been an impossible task and each phone call takes 30 minutes or more. I have called at least 10 times for various reasons including unlocking the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax and XXXX for years about updating my payment history on the XXXX  accounts. I have sent proof numerous times from XXXX  showing I have never been late on any of the loans. Since they can not /will not update all payment history to positive as it should be, I want them to remove all XXXX  from my credit report. I am attaching my current up to date loan verification letter showing NO zero late payments.
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 : XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

All of my money and bitcoin are missing from my coinbase account and they don't even acknowledge any of my attempts to get in touch with them or discuss my situation. Coinbase has basically no customer service and won't even respond to my emails or any of my attempts of communication. 

At the end of XX/XX/2021 noticed by looking at my account that all of the bitcoin my coinbase account was missing ( worth 10s of thousands of dollars ). After I that it all was gone and my balance was {$0.00}, I reported it missing to the support area on help.coinbase.com about a month ago which seems to be the only way to try to contact support, and still haven't heard anything back. I never got a trade confirmation that anything had been sold or transferred. I never even got a confirmation that I had filed a complaint or a case ID /reference number for my complaint. My coinbase account became locked after I reported the missing bitcoins so I am unable to access this account now and see any status as to what is going on. It's incredible to me that a company thinks it is ok to not communicate with me for over a month and block access to my account, I also sent a message to coinbase support on XXXX and XXXX, and no response. 

If a bank or credit card company did anything like this it would be impossible to imagine the lack of transparency and support. 

This company is about to go public at a valuation of over {>= $1,000,000} while there is zero support and a dangerous platform where large sums of money can mysteriously go missing which is unacceptable. I don't know where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries or accounts. This is a violation of 15 USC 1681b ( a ) ( 4 ) right to privacy and 15USC 1681b ( f ) reporting inquires without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove these following items immediately : XXXX XXXX - {$1000.00} - XX/XX/XXXX, XXXX XXXX  XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNT listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX XXXX : {$810.00}.