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

XXXX XXXX BANK XXXX details Paid off - Balance - Balance updated - Original balance {$500.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed/Never late. 
Status updated XXXX XXXX Original balance $ 500 Monthly payment - Last payment date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT
Product: Debt collection

I have been trying to get XXXX to remove this account from my credit report. I disputed this with them and they wont remove. THIS WAS FRAUD ACCOUNT. I have sent the company and XXXX the police report and they still wont remove it. I did not open this account and it should be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, I have been requesting COINBASE to transfer my digital ( crypto ) currency from out of their 'vault ' secure storage into my checking account ( also with them ) as I wanted to withdraw the same. This should have happened within 48 hours. On XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX, I I Direct Messaged them on XXXX ( via XXXX XXXX  ) asking for someone to reply / respond / take up my case. I received no replies from them. On XX/XX/XXXX and XX/XX/XXXX, I emailed them about the matter after trying to call them ( using their no-help customer support line ). I finally received a reply on XX/XX/XXXX giving me advise on what to do to make the vault withdrawals happen. After following their instructions and reverting to them the very same day to say my transactions were still not happening, I heard from them on XX/XX/XXXX saying there was a technical issue and that a specialist would be looking into it. That was the last time I heard from COINBASE!!!. No amount of follow up emails have been responded to.

This is very shoddy operating practices being exibited by COINBASE and is completely unacceptable. They should not ignore customer requests not matter what their excuse is.

I urgently need your assistance in getting COINBASE to meet and properly complete my requests as they have caused me financial hardship. Their complete disregard and disdain towards customers should not be allowed to go unchallenged
Product: Money transfer, virtual currency, or money service

XXXX XXXX. Deposited a cashiers check A hold was put on. 
XXXX XXXX. Spoke to credit union manager she spoke to Chase funds to be released XXXX XXXX Funds not released XXXX XXXX continued to call chase no funds XXXX XXXX credit union verified check was paid XX/XX/XXXX????? 
No one at Chase could tell me where my money was????? 
Ive been with Chase XXXX NEVER have I been XXXX  around like this.it only takes XXXX bad time to make someone rethink their banking needs.they continuously said I was being recorded bring out those tapes!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a XXXX  of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion ... this company is either totally inept, incapable or deliberately not reporting correctly. Years of complaints, multiple dates corrections and information provided and they still do not have the right information. As for the CFPB a useless entity who can not even fix their issues and only FORWARDS the complaint. I can not come to any logical conclusion based on all the data supplied that my opinion is right on the mark. This company much lower in score than the other two although when they report balances High they do NOT TAKE INTO ACCOUNT the payoffs and paydowns nor my comments. This is evidently a scam of emmense proportions
Product: Debt collection

Today XXXX/XXXX/XXXX was the second time i called this company attempting to pay off my debt to them and ask them if they could remove it from my credit score and they continue to not cooperate. If all they want is  the money owed to them i do not understand why they do not just take it and remove the derogatory marks off my credit score. I am a XXXX XXXX XXXX student trying to get his life back on track and this debt i obtained when i was XXXX XXXX XXXX and needed XXXX is haunting me. I am currently working on trying buy my first property so having the best credit score i can is the best option to keep my interest rates low. All other companies that i owed agreed to erase the collection stamp on my credit and helped me out this is the only company that refuses to do so please help me.
Product: Credit reporting or other personal consumer reports

My credit report is showing seven bankruptcies these bankruptcies does not belong to me and never filed bankruptcy please delete
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

The lawn service company " XXXX '' was discharged from servicing my property in fall of XX/XX/XXXX. The company continued to treat my lawn in spite of my denying and without my permission. 

I paid them XXXX payment with a clear note that I will not pay any future payments. XXXX continued to treat my lawn in XX/XX/XXXX and in XX/XX/XXXX without my permission. Now they want me to pay them the charges that I do not owe them. Now they have employed TRANSWORLD Systems to collect the debt. 

I need for you to inform the collection company to stop the mail to my address. Also, I want to ensure that this does not affect my credit score. Please, advise. 

XXXX
Product: Credit card or prepaid card

In the month of XX/XX/XXXX I opened a new account with fortiva credit card for a {$400.00} credit limit in the same month I went over my limit and immediately made a payment to get the over limit payment down. In the same month of XX/XX/XXXX, Fortiva closed my account and put my card in collections. I understand I went over my credit limit but they were unable to answer why I was put into collections even though I made a payment.
Product: Credit card

I have tried multiple times to contact Syncrony bank and thru their AI Ive been bounced around like a ping pong ball. Every 2 to 3 months they are illegally changing my statment options, Ive updated emails and called. They keep changing to paper statements saying there bouncing back, but I get the statements. They refuse to offer technical support
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.Despite my previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the account be verified or repaired immediately. 

XXXXXXXX XXXX XXXX  XXXX
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. 

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 an account without my written instruction 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make a 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX-REPORTED XXXX Balance : {$140.00} ; XXXX XXXX-REPORTED XXXX Balance : {$62.00} ; XXXX XXXX-REPORTED XXXX Balance : {$14.00} ; XXXX XXXXREPORTED XXXX Balance : {$100.00} ; XXXX XXXXREPORTED XXXX Balance : {$5.00} ; XXXX XXXXREPORTED XXXX Balance : {$100.00} ; XXXX XXXXREPORTED XXXX Balance : {$22.00} ; XXXX XXXX-REPORTED XXXX Balance : {$130.00} ; XXXX XXXXREPORTED XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$95.00} ; 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: Mortgage

Since the mortgage was transferred to NewRez Mortgage Company,  they have refused to accept our layered insurance policy and have raised our mortgage payments from {$480.00} to {$550.00}. We have called them numerous times to fix this problem and have been assured the issue is addressed, only to find out rates still high and a lender placed flood policy affixed to the loan. We have had numerous escrow analyses done to no avail. This ongoing issue is unacceptable and unethical. To be assured of assistance and then find that our concerns have been dismissed is frustrating and now they are seemingly completely disregarding any attempt to hold themselves accountable and remove the lender placed policy and fix the overcharges to our escrow account.
Product: Mortgage

On or about XXXX XXXX, 2016, I received a telephone call from Wells Fargo Bank regarding an inquiry I made about a VA Mortgage. I informed the lady that I was concerned about the repeated inquiries in my credit report but she assured me that inquiries that are dated within XXXX days apart qualify as one inquiry. I was then transferred to a XXXX XXXX XXXX. XXXX XXXX asked me a lot of questions regarding my financial history and questions originating from the VA Lenders ' Manual. After I answered all of the questions XXXX XXXX pulled my full credit report. I was not given an opportunity to submit a written credit application, just the verbal one with XXXX XXXX. XXXX XXXX informed me that he pulled my credit report from all XXXX credit bureaus and that he would utilize the credit score that was in the middle. He then informed me that according to such credit score, I qualify for the VA Mortgage per VA regulations regarding the credit scores of veterans. Then, XXXX XXXX informed me that I had XXXX ( XXXX ) medical delinquencies and XXXX derogatory item from XXXX. Therefore, the Wells Fargo computer system could not pre-qualify me for the VA Mortgage. XXXX XXXX thern informed that I was required to upload documents proving my assets totalling {$5900.00}, and several other kinds of documents including explanation letters concerning the medical delinquencies and the XXXX derogatory item. I implored XXXX XXXX to supply me with a credit denial letter so that I can receive a free credit report from the XXXX ( XXXX ) credit bureaus and ascertain the nature of the XXXX derogatory item that was something new that I knew nothing about prior to XXXX XXXX 's admonishment. I believe that because XXXX XXXX could not pre-qualify me because of the XXXX derogatory item and the medical delinquencies, that such action constitutes a credit denial, even though XXXX XXXX denied that fact. Therefore, I am requesting the CFPB to compel Wells Fargo to supply me with a denial letter so that I can request a free credit report from the XXXX ( XXXX ) credit bureaus instead of repeatedly having to buy them. 
Additionally. I believe that the credit scores that Wells Fargo received incorporate the medical delinquencies and XXXX derogatory items. It is not so clear to me which credit report included the XXXX derogatory item and which credit report displayed the middle credit score that Wells Fargo used to qualify me. It appears to me that Wells Fargo used the credit report with the lowest credit score, instead of the middle credit score, to deny me credit because it appears that is the credit report that showed the XXXX derogatory item. 
It is also not so clear whether these medical delinquencies and derogatory item was a component of Wells Fargo FCRA ( Fair Credit Reporting Act ) pre-established creditworthiness criteria that I should have been informed about prior to the accessing of my full credit reports. I do not recollect XXXX XXXX asking me and inquiring about any derogatory items in my credit reports prior to accessing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  FAILED TO CORRECT ALL CREDIT REPORTS, CLOSED BY CONSUMER, PAID IN FULL NEVER LATE.THE LATE PAYMENTS WERE CAUDED BY XXXX SLOW PAYING CLAIMS.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and I found several items to be inaccurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 : states a consumer reporting agency can not furnish an 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: Debt collection

I do not have a contract with Common Wealth. 

I do not have anything that shows that I have a debt with this company. 

This debt has been on my credit report before and has been removed after contacting the CFPB. 

They have now put this debt back on my credit report. 

I have no knowledge of what this is for. 

It needs to be removed from all credit bureaus. 

They are now in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and I only got approved for one car from XXXX XXXX. So I shuld only have the one inquiry from XXXX XXXX on my credit report that occured on XX/XX/2022. 
All of a sudden I have 20 inquires from car dealers across all 3 credit bureaus that I did not do. 

XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion
Product: Debt collection

I have sent a verified email to USA Living about cease of communication to my cellular phone. They continued to do so twice since giving them the notice.
Product: Vehicle loan or lease

Due to a few financial issues, a loan with GM financial was delayed is getting paid off completely. As the loan contract expired, I was behind with XXXX payment. I payed that amount and had XXXX left to payoff the loan. I attempted to contact GM Financial to negotiate a payoff amount since the entire balance remaining was related to late fees. They would not meet the expectation, which is fine, that is there prerogative, but when I went to make the payment, I was told that I could not use the online system or a payment with an agent because the loan was no longer active. 

I was told I needed to mail a check, but the payoff was only good for 7 days. I don't know how, in the current world that we live in that they can make it so difficult to payoff the loan, unless it's designed to elongate the process and allow them to add additional fees, thus keeping me on the hook for even longer. 

I feel I have completed due diligence to get the loan paid off completely and I feel like at this point all of the remaining balance are fees ( not interest fees that were agreed upon when setting up the contracted loan amount ). The late fees are something that they can adjust.