23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccurate is highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX2024 The following inquiry was not authorized and should not be reporting.
Product: Credit card or prepaid card

My XX/XX/2018 bill indicated a balance of {$510.00}, due XX/XX/18, which I paid in full on XX/XX/18. Today, I received a bill for {$1.00}, due XX/XX/18. I paid it immediately, and then called XXXX to find out why I was charged more even though I'd paid the balance well before the due date, and there was no information on that bill which indicated anything about " residual interest ''. According to their " fine print '', there is no indication of charging a " residual '' interest rate. This had never happened before with this credit card company. I was told by XXXX that it was a " residual '' interest. Her explanation of that was insufficient, so I asked to speak with her supervisor. XXXX told me basically the same thing, but it still didn't seem like transparency was being used in their billing processes. I'm filing this complaint so other people who might have once trusted Citi, have a reason to do so no longer.
Product: Mortgage

My problem I am trying to take off the PMI. I purchase my house on XX/XX/2011 for XXXX. Today the value of the house is XXXX. We paid almost 6 years and I resquested to the bank to remove the PMI they said only when my debit get XXXX I have to pay 4 years more.To get off the PMI even if the value of the house and together with monthly payment I make is more than the 20 % they don want remove the PMI.
Product: Money transfer, virtual currency, or money service

Coinbase has locked me out of my account. Doesn't allow me to add a XXXX XXXX account for transferring my {$2400.00} dollars out of their account. Also does not allow me to buy crypto that might enable me to transfer coins to my wallet. They have a help process online that sometimes responds " I am still learning, do not understand your problem '', and also a form to fill out that sends back an email in a few days saying the problem has been corrected, with the same results on the website. This has been goin on since XX/XX/2020 with no solution on Coinbase 's part in sight. They also do not have any live customer support.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that this limitation has been imposed in error, and I would like to formally appeal this decision. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines diligently. I am confident that I have not engaged in any activities that would warrant such a severe action as a permanent account limitation. I have been a loyal PayPal user for a substantial period, and my intention has always been to use the platform responsibly and within the bounds of your policies. 

I kindly request that PayPal conduct a thorough re-investigation of my case to rectify any misunderstandings or errors that may have led to this account limitation. I believe that upon further review, it will become evident that my account deserves to be restored. 

I understand that PayPal takes matters of security and compliance seriously, and I appreciate your commitment to maintaining a safe and secure platform for all users. However, I firmly believe that there has been a misunderstanding in my case, and I am eager to cooperate fully in order to resolve this matter. 

I kindly ask for your prompt attention to this appeal and the reinstatement of my PayPal account. I am confident that a re-evaluation of my account activity will confirm that I am a responsible and compliant user of your platform. 

Thank you for your consideration, and I look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

Collector XXXX did not preform any due dalliance. Did not verify that the debt was mine before contact. Creditor ( Desert XXXX XXXX XXXX did not communicate with the my medical provider XXXX XXXX XXXX NV XXXX who requested in house the x-ray for a covered wellness visit. Under my XXXX XXXX thru XXXX this is a covered procedure as a senior citizen. Neither XXXX XXXX or XXXX Partners billing offices communicated between each other.. Neither asked for or passed along my basic insurance information. Neither would talk to the other. I never received a bill or statement. XXXX told me they did n't have to produce a bill. 
Desert Radiology went straight to collections they never contacted the XXXX XXXX EVEN THOUGH THEY ARE THE SAME OFFICE. 
I reiterate this is a totally covered procedure by Humana.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Late OpeXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$4800.00}
Product: Money transfer, virtual currency, or money service

I have been attempting to sell my XXXX assets and sell them through the Coinbase exchange so that I can access my funds. I currently have XXXX XXXX recognized in my account and this has been confirmed by the company. I have made numerous complaints and phone calls asking why I am unable to access these funds. The company has refused to answer my question or provide me with any real actionable ways to access the XXXX that they agree is currently in my account. They refuse to move the assets for me and I have no way to access the funds through the website or application. They have confirmed that there are no discrepancies in my account and nothing in my account is locked for any reason yet I am still unable to access my assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, XXXX XXXX XXXX reported alleged debt for alleged medical services, which adversely affected my credit. XXXX XXXX XXXX failed to ever provide notice of any debt, identify any debt, attempt to contact me to discuss alleged debt, and may have acted fraudulently in reporting the alleged collections efforts. XXXX XXXX XXXX is unresponsive to my efforts to correct their error. As the result of XXXX XXXX XXXX ' intentional misrepresentation and/or egregious negligence, my credit score has been negatively affected. I would like the error corrected immediately.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I applied for a personal loan with a few companies. One of the companies that I applied with was One Main Financial. Their advertising states that applying has no impact or bearing on your credit. After I applied for the loan and was approved, I opted not to move forward, however the next day they pulled my credit and it now reflects as a hard inquiry. It currently reflects on my CBR as ONEMAIN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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 XXXX XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXXXXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and I noticed something are incomplete and accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 e.b 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 A : 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

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent AMEX/DSNB account reporting on my XXXX XXXX , & XXXX XXXX credit reports. I have mailed several letters by certified mail to the address listed on my credit reports for AMEX/DSNB. Despite mailing AMEX/DSNB several letters to the mailing address listed on my credit reports to advise them regarding the reporting of the fraudulent account, AMEX/DSNB continues reporting the fraudulent account. The account is reporting as follows XXXX AMEX/DSNB, {$600.00}, CLOSED, XX/XX/2014.
Product: Debt collection

we keep getting calls from midland credit which we do not or ever had any loans with and when we answer the phone they do not respond but when we call them back they want our phone number and we told them to quit calling but they keep calling our house
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transaction were authorized I was charged fees due to lagged posting and charges and credits this issue aligns with the recent CFPB findings against Navy Federal for similar practices. Where transactions settled with insufficient balances despite initially available funds.i believe these practices are unfair and request investigation into my account transactions.
Product: Debt collection

There was a fraudulent account opened in my name through XXXX sometime around XX/XX/XXXX. I called XXXX about the fraudulent account and they were making it difficult to resolve the issue. With no other option I disputed the debt with XXXX credit and they deleted the fraudulent account from my credit report. On XX/XX/XXXX XXXX sends the account to Convergent Outsourcing for collections after XXXX deleted the fraudulent account. Convergent Outsourcing mailed me a notice of the collection a few weeks ago. I called them told them to stop harassing me since account is fraudulent and XXXX deleted the fraudulent account. Convergent Outsourcing has filed a debt collection on my credit report pertaining to the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX via phone call and XXXX via certified mail as Transunion advised me with direct instruction to contact the furnisher. 

XXXX XXXX was unable to provide a application for credit with my signature allowing consent for inquiry dated : XXXX/XXXX/2017 XXXX had fail to respond to a certified letter mailed in XXXX which warrant me to file a CFPB complaint in XXXX thats on file about XXXX non-response to a unauthorized inquiry dated : XX/XX/2017 This complaint has been sent to the FTC because XXXX is not in the CFPB complaint system.
Product: Debt collection

You still haven't provided what I asked for. I never received any mail for AmSher Collection Services , Inc stating I owed you all or anything that has my signature agreeing that i owe AmSher Collection Services , Inc . So if you are saying you mailed me, please provide a CERTIFIED RECEIPT WITH MY SIGNATURE showing i received it
Product: Credit card or prepaid card

This complaint is regarding a 12 day freeze hold placed on my Wells Fargo Bank Business Platinum business card. 

I realized there was a freeze hold placed on my card yesterday XX/XX/18 after speaking with a Wells Fargo Customer service agent at XXXX pst. I explained that this card is the lifeline to my business and without the card, my business is completely paralyzed. If there was an emergency supply needed or equipment failure there is no way to remedy the problem. I also advised the representative that Wells Fargo never contacted me either verbally or by email indicating that they would be taking this action. The representative did not provide the name or contact information of the supervisor. 

After enduring almost 20 minutes of bank jargon, I repeatedly asked the customer service agent to speak to a supervisor and she refused to transfer the call. I was told that she would escalate the matter and that I would receive a callback within 1-4 hours. A supervisor from Wells Fargo bank never returned my call. 

At XXXXpst, I contacted Wells Fargo Bank to find out what action had been taken to remedy this situation. I was transferred to a supervisor named XXXX XXXX and was told the freeze hold was removed from my card and I was able to utilize the card. She was also advised the funds are available for immediate payment. I was told " Don't worry We've got your back. '' At XXXX XXXX I attempted to use the card for a small transaction only to discover that Ms. XXXX misrepresented the facts and the card was still unusable. I called back Wells Fargo Bank only to be told that the per Ms XXXX the that the card " had the freeze hold removed then replaced. '' I was then transferred to a complaint division where the call was disconnected. I had provided contact information to WFB. Wells Fargo Bank Failed to return my Call. 

This morning, I spoke to a consumer representative who transferred me to a case worker within Wells Fargo Bank named XXXX. Her contact number is XXXX. She advised me that she needed to contact a different department within the bank and could not guarantee that she could get the freeze hold removed from my account. I explained to her that this is an urgent matter and that the card is the lifeline to the business, I believe that Wells Fargo Bank will continue this deplorable, discriminatory conduct without your intervention.
Product: Credit reporting or other personal consumer reports

I reached out to Early Warnings, LLC with the below letter and they have failed to provide me with the requested information to verify this item on my credit report. 

I was recently informed of negative information reported by XXXXXXXX XXXX included in the file Early Warning maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Ref # XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Please validate this information with XXXXXXXX XXXX and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As an affected consumer, I am writing to inform you that I have been a victim of identity theft, and as a result, the account with the number XXXX  XXXX was not opened or authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, consumers have the right to request the removal of any information related to fraudulent accounts after submitting an identity theft report. Therefore, I am requesting that this account be removed from my credit report. I have attached the corresponding identity theft report, which I have filed with the relevant authorities. 

I appreciate your cooperation and prompt response in resolving this matter
Product: Debt collection

Account is paid in full remove immediately I uploaded the receipt to show it's paid
Product: Debt collection

Jefferson Capital System has placed a derogatory item on my credit report owing {$2600.00} on behalf of XXXX XXXX. I have no knowledge of this account and it was opened fraudulently. According to FCRA Section 605B, it is illegal to report without my permission. Please remove this from my credit report immediately.
Product: Credit card or prepaid card

I opened a XXXX card in 2021 and used in store. Last purchase was in XXXX of 2021 of XXXX USD but was paid XXXX days late. Since then i.e. XXXX of 2021 late fee upon late fees have been assessed to this card. I closed the card as well, but late fees continued to occur consequently. So far, XXXX USD of late fees have been charged to this closed card. The responsible bank is Comenity bank. At some point, XXXX started issuing aggressive phone call and text messages starting at XXXX am and continuing until late at night. The phone calls and texts were so frequent that I would receive 10 - 15 phone calls and txt a day. I have tried to call Comenity and resolve the issue by myself, with no success. I have found out Commenity is related with XXXX XXXX and XXXX XXXX  credit cards as well- I have purchased with these stores and as soon as I have found out the credit card company related with these stores is managed by Comenity I have paid in full and closed those cards. I don't know how I could resolve this issue when I owe nothing to XXXX and don't want to support predatory and unfair crediting practices as these. Could you please help and assist? Thank you in advance,
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX Employers : XXXX XXXX Collection/Charged Off ALASKA XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : ALASKA XXXX ) XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$410.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian OREGON XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX IDAHO XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian