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

I had a XXXX XXXX XXXX checking account and had sold a phone online and was paid with a cashiers check in which I deposited into my account and it had cleared with the available funds. This was in XXXX of XXXX. In XXXX of XXXX I also had a XXXX XXXX   checking account that became overdrawn and fees piled up from my ex wife using my card. I also had a checking account with US Bank in XXXX of XXXX that has the account closed and labeled account abuse for I have no idea why. I have a XXXX XXXX XXXX   account on my report that was closed in XXXX of XXXX, because again, I sell things online and received a cashiers check that apparently never cleared. I also have multiple banks with inquiries under my name and social that I never requested, such as XXXX in XXXX of XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX in XX/XX/XXXX as well as XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX installment XX/XX/XXXX. All of these transactions were done without my knowledge and not by me.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : Provide a detailed account of the data that was compromised ; Disclose the date and method by which the breach occurred ; Explain the steps your organization is taking to remediate the situation ; Provide documentation of your compliance with data protection laws ; Correct any errors on my credit file caused by this breach ; Provide complimentary credit monitoring and identity theft protection services for a minimum of XXXX  months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within XXXX  days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within XXXX  days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been working hard on my credit this past year and learning about the FCRA. A couple of months ago i noticed i had items that was inaccurate and unverifiable on my report. I reached out to the bureaus and recieved letter 30 to 45 days later that my accounts was verified and updated. i waited 30 days to look at my file again and the items that was inaccurate still are there and they should have been deleted due to inaccurracy. In accordance to the Fair Credit Reporting Act. Futhermore 15 U.S.C 1681 section602 A states I have a right to privacy.15 U.S.C 1681 section 604a It also states a consumer reporting agency can not furnish a account without my written instructions. I have attached and circled the inaccurate. First XXXX account XXXX should be deleted the dates accurate, XXXX XXXX # XXXX dates are inaccurate, XXXX XXXX dates inaccurate, XXXX XXXX payment has no record of my information, XXXX XXXX XXXX i was 120 days late I dont have a contract with them how can i be late on a collection, XXXX XXXX collect again no contract bearing my signature, XXXX XXXXXXXX stated all late payments should be removed and lates are still showing from the pandemic my lates was excused due to covid. XXXX has address that needs to be deleted.
Product: Credit card or prepaid card

Credit card charged me with more than XXXX $ fraudulent transactions that don't belong to me they overdraft me and raised my minimum payments and keep adding interest to the whole available credit I contacted credit card company about it and they wanted me to do an affidavit which they supposed to send it to me in the mail and they been lying about sending it. Idk what to do they ruining my credit score went down 50 points because of this issue. They not doing anything to help me. Instead they keep adding charges to my account. This company does have a very high annual fee and they known for scamming people please I need help with this matter thanks. Fortiva credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request roughl y 4-5 mo nths ago and have not heard back. I have called multiple times only to be bounced around departments wit h no one able to g ive me any information or answers. I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.
Product: Payday loan, title loan, or personal loan

I am a 100 % XXXX XXXX  on a fixed Veteran 's Disability compensation. My monthly income from my XXXX  XXXX is approximately {$3000.00}. I have additional monthly requirements to pay out of that amount including my car payment ( {$210.00} ) and insurance ( ~ {$200.00} ), credit card payments ( ~ {$500.00} ), shared rent/utilities ( {$1500.00} ). 

Around early XX/XX/2019, I was approached about a potential business opportunity that required I put in {$4500.00} as a " partner ''. This money wasn't readily available to me so I went to " Speedy Cash '' to see if I could get a loan. I provided my income and debt statements ( above ) to the processor. They said they could approve the amount- {$4500.00} - at 132.006 % interest. I did not understand what that meant but because I was trying to participate in this business, I signed the contract. 

At one point I was able to make a sizable payment- {$1000.00}- which I wanted to make against the principal balance. I had already had that month 's payment debited from my account. I went into the location, told the processor that I wanted the additional amount put towards the principal loan amount. Not only did they not put it against the principal as requested, they added it as an " additional payment '' without any change to the interest or number of payments to be made. 

I used my disability to make payments until the " business '' accounting could take over. I authorized auto-pay and the monthly amount of {$520.00} was debited from my personal account. When the " business '' could pay the loan, I called Speedy Cash and changed the payment account to the business bank. At that time I authorized auto-pay. The account was subsequently closed and I needed to use a debit card to pay the loan. 

When the account was closed, I called Speedy Cash to provide my debit card for a ONE-TIME PAYMENT for that month while I figured out the situation with the business account. This occurred at the beginning of the COVID-19 pandemic. Speedy Cash fraudulently used the card after the fact when they couldn't debit the bank account directly. I filed a dispute with the bank at that time. 

As a result of COVID-19, I was unable to make payments. I called Speedy Cash to request a deferment citing that I was financially impacted as a result of COVID-19. They would not provide any allowances for non-payment with a COVID-19 excuse. I repeatedly explained that I was on a fixed income and the my " business '' had suffered directly as a result of COVID-19 closures but they insisted that it be repaid immediately.

I made multiple attempts to work with Speedy Cash but they have not worked with me in any capacity. I've previously requested a copy of my payments vs balance only to be told it's not available. They have now reported this to the credit bureaus as a " serious delinquency '' and a collection 150+ days.
Product: Debt collection

Due to my partner and I getting jobs in a new state, I was forced to terminate my lease at XXXX XXXX Apartments in XXXX, TX. XXXX XXXX is owned by XXXX XXXX. I vacated the property and turned in my keys on Sunday, XX/XX/2022. I received a bill for {$9600.00} in accelerated rent on Wednesday, XX/XX/2022. Per the terms of the lease, I had 30 days to pay the debt. 

On XX/XX/2022, I received a message from Hunter Warfield notifying me that XXXX XXXX had sent my debt to collections and I have been notified that my balance due is now {$9700.00}. However, it has neither been 30 days since I vacated the property nor since I received the final invoice. To my knowledge, it is not legal to send a debt to collections before 30 days. 

Furthermore, the debt that XXXX XXXX sent to collections was already under dispute. I have filed a XXXX XXXX XXXX complaint against XXXX XXXX, to which they have never responded. Consequently, I have begun working with an attorney in order to resolve XXXX XXXX failure to uphold their responsibilities according to the terms of the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XXXX/XXXX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as XXXX days past due. In XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XXXX/XXXX/XXXX. My accounts are still reporting as past due. On XXXX XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XXXX XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and Equifax again and they said it is XXXX updating a past due status because they corrected it on XXXX and on XXXX XXXX reported it late again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to XXXX XXXX, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.
Product: Credit card or prepaid card

Reported to chime of unauthorized charges made to account in XXXX, XXXX, and XX/XX/2021. They refused to dispute and responded that charges were authorized. Closed my account without knowledge or heads up in XXXX and were still sending emails as if account was still open until I logged in and had no access. Now they are taking direct deposits that were previously routed to that account. They refused to remove account from credit report and showing as on time payments but account is closed
Product: Checking or savings account

To whom it may concern, There is a great deal of concern that must be shared regarding the way JP Morgan Chase is delaying point of sale debit transactions. I have took notice that JP Morgan Chase delays debits and then pushes the debit ( s ) through purposely when there is no funds in the account or a negative balance will be caused to the account with the transaction. When I contacted Chase at ( XXXX ) I was only offered criticism and how the overdraft was " my fault '' because I signed an agreement allowing transactions to go through. There is a big gap in what Chase is offering the everyday customer as an explanation in these agreements to what is actually happening when the customer is getting hit with overdraft fees. There is an abuse of power on Chase part. They could only blame the merchant. But I swipe my debit card when I have money and the transaction is delayed three days.. Why is Chase running this scam and hiding behind these debit agreements. I can testify that there is money in my account when I use it. The debits are being purposely delayed and pushed through in bunches in an effort to collect {$34.00} in bank fees for each debit. I am a XXXX customer and I was met with criticism for Chase supervisors on XXXX at approximately XXXX PST via telephone for not managing my account the way a non XXXX person could. It's frankly disgusting. Please confirm at your earliest convenience the status of this complaint.
Product: Credit reporting or other personal consumer reports

Somebody fraudulent used my information to take out a loan with multiple companies without my consent. Its also multiple fraudulent inquiries on my credit report that I did not authorize. 

XXXX/SUNBIT Last reported XX/XX/XXXX {$2900.00} Reported balance Highest balance {$3900.00} XXXX/SUNBIT Last reported XX/XX/XXXX {$370.00} Reported balance Highest balance {$670.00} XXXX/SUNBIT Last reported XX/XX/XXXX {$140.00} Reported balance Highest balance {$270.00} XXXX  XXXX Balance 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Credit Karma notifying me that a hard inquiry was made on my credit reporting agency named XXXX XXXXMy account has had a freeze in place since last year or longer.When I went to all three reporting agencies to examine my reports I saw no hard inquirys. Im not sure if Credit Karma is a fraud or not but they sent me the email asking if it was me. No! It wasnt me! I did not click on any links in the email but went to the three seperate credit sights desperately. I also tried to call the bank that did the hard inquiry and no matter what I said I could get no help. They prompted only for my account or social security numbers so I hung up
Product: Money transfer, virtual currency, or money service

Zelles handling of disputes is not right, cfpb highlighted major issues with platform in lawsuit. My zelle failed to investigate claims properly. So man scams
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts listed on my credit report that I have no knowledge of which are highly affecting my credit score. This was a result of malpractice or an error.
Product: Mortgage

I have been approved for HAF assistance. I have made over 7 attempts to locate the funds that were sent to my lender to cover my mortgage payments which I am struggling to keep up with. HAF has stated they mailed the funds on XX/XX/XXXX. I have no received any correspondence from my lender confirming the payment has been received. I am approaching month 2 of being approved by HAF to cover my mortgage payments and my initial payment for the month of XXXX has yet to be posted to my account.
Product: Student loan

I am trying to find out why is my XXXX discharge taking so long to go through by the loan services. XXXX notified them on XX/XX/2018 of my permanent discharge approval due to verified VA XXXX. I keep calling and asking so I keep getting different answers about why it is not done yet. Including any refunds that is due back. First, they said 60 days, then 90 days, and now 6 months. XXXX said it should have been completed by now because they have all paper work needed for discharge and any refunds that is due back. Thank you
Product: Money transfer, virtual currency, or money service

Hi, I am writing in regards the technical issue with Coinbase crypto exchange platform causing a huge financial loss to me and other customers. 

On XXXX XX/XX/2021 XXXX listed the SHIB crypto on their CoinbasePro crypto currency trading platform, after listing SHIB crypto the CoinbasePro trading platform faced technical issue and dragging the price superficially up to 1000 % higher. This high price remained on the Coinbase Pro platform for more than 24 hours, anyone who purchased the SHIB crypto ( including me ) on XXXX XX/XX/2021 couldn't sell it and were locked with the high superficial price. On XXXX XXXX, CoinbasePro disabled deposits for SHIB to address a technical issue and then re-enabled deposits on XXXX XXXX which then dropped the price to 700 % lower. 
After seeing this massive price change I checked on other crypto exchanges and realized the price remained unchanged on other crypto exchanges and of SHIB crypto itself globally, the SHIB crypto price never went up that higher as on Coinbase.

I feel Coinbase did not took appropriate action to protect customers trading on the platform, when the platform was not ready to fully support the SHIB coin trading, Coinbase shouldn't have enabled the trading. And when the CoinbasePro trading platform was experiencing technical issue and had to disable or restrict trading of this SHIB crypto, customers were was not notified about any of this issue. 

As Coinbase advertises it as a trusted platform for Crypto currency, I purchased the SHIB coin and did not compare the price on other exchanges. I don't feel Coinbase can be trusted however, as per the email sent to me from Coinbase support after opening a complain, they claim that " we do not guarantee continuous access or that there will be no delays, failures, errors, omissions or loss of transmitted information, nor do we guarantee that any Order will be executed, accepted, recorded, or remain open. " I wasn't aware that Coinbase can also isolate itself from the global market and allow the price to increase or decrease superficially of any crypto and also restrict customers from selling without informing the traders.

I tired to reach Coinbase support throught their complain system and via twitter but no luck. They did not resolved my issue instead they sent me email that my complain is close as the issue has been resolved.