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

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my reports that are not only inaccurate, but they are different reports on all three reports some stating 30 days late and 60 days late on my credit reports : paid account number : XXXX XXXX from XXXX shows 30 days late on XX/XX/2022 with the previous month showing paid on time and the following month after paid on time as well and XXXX XXXX XXXX which shows on their file that its 60 days late but the previous month and after month paid on time unsure how a payment can be 60 days late if months before and after are paid on time ( Self Financial/Lead bank ) shows XXXX late with the same paid on time months as listed above for other accounts. No payments were made late these consumers reports are all reporting false and inaccurate information without any reporting agency reports being the same. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Also please update my balance on my credit report it is not what is being listed currently on my credit reports some of the balances are different from what is shown on all three reports
Product: Money transfer, virtual currency, or money service

Old account issues, hack and no contact before closed. Couldn't reach anyone. 

Block inc did not have any persons to be reached. I can not even access acct. 
The Consumer Financial Protection Bureau ( CFPB ) announced XXXX XXXX that it ordered Cash Apps parent company, Block, to pay a total of {$170.00} XXXX and fix its failures on fraud. The CFPB said in a statement that Block employed weak security protocols for Cash App and put its users at risk. Block directed users who had suffered financial losses as a result of fraud to ask their bank to attempt to reverse transactions, which Block would subsequently deny.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/2020.
Product: Checking or savings account

BMO was supposed to credit my business checking account a {$500.00} bonus but they only credited me {$300.00}. On XX/XX/2023 they credited my checking account {$300.00} when it was supposed to be {$500.00}. Here were the terms of the offer which I have fulfilled. I deposited over {$10000.00} and made 10 debit card transactions. I was on the phone with BMO customer service for over 1 hour and they keep giving me the run around. I have had enough with this bank and their games. 

{$500.00} Business Advantage Checking bonus : Deposit at least {$10000.00} within 30 days of account opening. 
Once your balance reaches {$10000.00}, your balance can not drop below {$5000.00} for the next 90 days. 
Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/XXXX and XX/XX/XXXX respectively, I sent dispute letters to Experian, XXXX  and XXXX requesting verifiable proof ( an original Consumer Contract with my Signature on it ) in accordance to the Fair Credit Reporting Act, Section 609 ( a ( ( 1 ) ( A ). Information on my credit report does not belong to me and the credit agency did not remove the accounts from my credit report. The credit report agencies has not verified or removed questionable accounts on my credit report. This is causing me stress, high interest rates, and loss in employment opportunities. And opportunity to obtain a mortgage loan to move into a save community to raise my daughter. In XX/XX/XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. As well as Experian announced a data breach and I believe I am a victim. I am requesting XXXX XXXX  dollars for pain and suffering.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I wired {$50000.00} from XXXX to Coinbase account, following their instructions. Coinbase website states that the money should be available 3-5 business days after the wire transfer. 
A week later, on XX/XX/XXXX, I contacted XXXX to check on the wire, as I have not received it. XXXX pulled up XXXX and confirmed that the money was accepted by Coinbase. They sent an inquiry to Coinbase and advised me to contact them as well. 
Ive called Coinbase customer service number, and got an automated message stating that they are not responding to any questions other than technical. I filed a support request via an email form on their website. I also sent several messages via @ coinbase_support on XXXX. No response was received. 
On XX/XX/XXXX after repeated attempts of XXXX and myself to get in touch with Coinbase, no one responded. I found a Coinbase contact on XXXX ( XXXX XXXX, VP of Payments ) and emailed her with the description of incident. She responded to me next day, assuring that someone from customer service will get in touch. 
After several days of back and forth, on XX/XX/XXXX I received a generic email from Coinbase stating that recently they have reviewed the wire and the name didnt match so they have to send it back. Another email of XX/XX/XXXX confirmed that the wire has been sent and it will take 3-5 business days to be returned to XXXX. 
On XX/XX/XXXX, the money has not arrived. XXXX looked into it again, and confirmed that Coinbase has not even originated the return. 
In sum, its been a month since I sent {$50000.00} to Coinbase following their instructions. The bank accepted the money, didnt deposit to my account and didnt return it. Theyve made no good faith attempt to resolve my complaint. Moreover, theyve provided no reasonable way for me or another bank to contact them. They are violating the consumer protection law and are engaged in fraudulent activity. {$50000.00} is a big part of my life savings and Coinbase defrauded me of it.
Product: Credit reporting or other personal consumer reports

- [ ] Hello my name reads XXXX XXXX XXXX my address reads XXXX XXXX XXXX XXXX XXXX Texas [ XXXX ] without the United States XXXX Ive been here for XXXX  years I have no knowledge of that address on your presentment. ( 1 ) TRANS WORLD SYSTEM INC Please send a copy of my wet signature on any allegedly financial agreements you have. ( 2 ) TRANSWORLD SYSTEM INC debt collector please send me copy or copies of the purchase agreement or agreements of this debt that is on my XXXX consumer report.
Product: Debt collection

I financed a XXXX  XXXX XXXX XXXX XXXX for my son in XX/XX/2018. He purchased a TX Tag which is a prepaid toll tag to allow you to drive on any and all toll roads in the entire state of Texas provided by the Texas Department of Transportation. Upon receipt of the tag, it had been registered to the temporary license plate from the dealership for the vehicle and my son states that he contacted Tx Tag to update to plate but it was never done, however Tx Tag disputes this and says they have no record. Either way, the tag was still mounted on the windshield of the physical car and able to be scanned as driving through the toll plazas. Over the course of a few months, XXXX ( XXXX XXXX XXXX XXXX XXXX ) accumulated an immense amount of toll violations stating that their system determined that the TxTag was not registered to the vehicle it was mounted on, although the Year, Make and Model all matched, simply not the new permanent license plate. We never received the first invoices from XXXX before going to collections to pay for these before they added the administrative fees and collections fees with Linebarger, Goggan, Blair and Sampson. Now they are saying that if we don't pay over $ XXXX they will place a hold on my ability to register any vehicle in TX and I won't be able to renew my driver 's license when in reality it was an error on Tx Tag 's part.
Product: Credit card or prepaid card

I made a purchase online with XXXX XXXX XXXX XXXX for {$310.00} and {$14.00}. I returned entire order to company but they refused to pay me my refund. I put dispute in with Capital One. Once decision was made by Capital One to chargeback {$310.00}, one of the two purchases, I uploaded letter to Capital One dispute department on XXXX. Included with letter was all the emails, purchase order, XXXX letter, and Return policy. 

Capital One replied that I was denied due to XXXX XXXX XXXX said they had " Confirmation showing No Cancellation policy received ''. I called Capital One to tell them that was not true and to refer to the emails XXXX XXXX XXXX sent me confirming they would refund my money once order was received as well as to look at my purchase order showing nothing about Cancellation policy, only the return policy. Capital One replied, " at time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim.If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. '' I then emailed XXXX XXXX XXXX asking for a copy of the Cancellation policy. Their reply was a link to the Return Policy. So I sent in another letter to Capital One along with XXXX  XXXX XXXX XXXX reply email, not being able to show me Cancellation policy. I was denied again by Capital One. 

Why isn't Capital One asking XXXX XXXX XXXX for a copy of their Cancellation policy? 
And, why did I get refunded for {$14.00}, but not {$310.00}? 

So end result, Capital One denied my dispute to refund me for remaining balance, {$310.00} to my Capital One Quick Silver Credit Card. I have also filed a complaint on XXXX XXXX XXXX with California State Attorney General and trade commission. 

Thank you for your time,
Product: Mortgage

Bank of America did receive written Notice via Certified Mail that the alleged mortgage debt was in DISPUTE in accordance with FDCPA guidelines. The Bank failed to validate the debt within 30 days as required by the FDCPA, therefore admits to not being a party of interest, and can not collect on the alleged debt. 

Despite receiving subsequent Notices, the Bank has continued to report an unvalidated debt to the credit bureaus in violation of the FCRA, and has not removed the lien as required. The Bank is also violating the Uniform Federal Lien Registration Act, which states that the Notice of Lien requires that the notice be certified and signed by the Secretary of the Treasury of the United States or his or her delegate. The Bank would need to provide the documents evidencing they have that have a bona-fide written signature showing authority for lien attachment. A signature stamp, with no first or middle name, or with one initial and a last name does not constitute a bona-fide signature or bona-fide presentment.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an issue I am experiencing with Equifax. According to my Identity XXXX XXXX there is no credit report available from Equifax, which is concerning as I believe I should have an active credit report with this bureau. 

I intend to send a letter to Equifax to inquire about this matter and seek clarification. However, I would appreciate any guidance or support the CFPB can provide to ensure my rights are protected during this process. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XX/XX/XXXX. It has been over 30 days and I never heard back from XXXX, XXXX, or Transunion. I have attached the dispute letter I sent on XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was at the end of lease on my XXXX XXXX is denying me credit. they have false information on my credit report. they said i have public records, which on do not. they said in XX/XX/2018 i had five payments that were late. i went to XXXX  XXXX  in XXXX  XXXX ny and the manager a got a print out of the thirty six month schedule, not one payment was late. i sent copies of the true documentation to XXXX XXXX  and experian. not one thing has been done to correct this false and agregeous action by either agency or corporation. 
this is a total lie and defamation on me .the bank statement clearly shows each payment was on schedule most payments were taking out of my banking account.XXXX  reports are not the same months as experians.which show major discreptions. this is totally unacceptable to do do to any consumer. my credit score is being destroyed.i think that experian is very biased on this matter.companies should not be able to put false information on any ones credit report with out severe repucusions
Product: Credit card

The company said I had a credit freeze, I called the credit bureau and they said I dont. When I called them back to tell them. Theres no freeze they ran my my credit without my permission. Now I have XXXX hard inquiries! From them and when call Im placed on hold and they said the supervisor will call me back. I never received a phone call back.
Product: Credit card or prepaid card

A merchant started debiting my account I contact the merchant and was told that they didn't see where they were debiting my account. I contacted the bank and informed them of this issue I was told to pull the money I had in my account out because it wiuld be a while before I received my card, I called back and informed the bank that the merchant had debited my account again and to order a card. The merchart was able to debit my account three times. It is a hassle to contact the bank it takes at least a hour to get anyone to assist and the 4 times I called I wasn't helped. I sent in the paperwork sawing that I disputed the amount and the email I sent to the company, but they stated that they didn't recieve it and that they would send out another form, which, I never received. I have called and asked why they haven't refunded the monies, but no one can give an answer, however, they have placed credits on my account then debit them off. The amunt is about XXXX, but I need someone to address how this banks handles the customers, regardless of it being a government funded card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do a thorough investigation when I reported a fraudulent account on my credit report. The account I am referencing is XXXX XXXX. I contacted XXXX XXXX in regards to this account and asked them if the person responsible for using my information to open this account would contact them and assume responsibility if they would remove it from my credit report and transfer it to them. They stated they would. However, this person never did. XXXX XXXX is well aware of the fraud and Im sure there are notes of this conversation at the very least. There is no documentation with my signature granting XXXX XXXX permission to set up an account in my name. This is not my responsibility.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable accounts are as follows : 1.XXXX  XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX Last but not least XXXX XXXX
Product: Credit card

In XXXX I noticed my card had been charged in XXXX for {$1600.00} for a hotel charge. After looking into it I learned the hotel reservation was made for end of just XXXX. I called and canceled my card and informed them I knew nothing of this charge and disputed it. 
2 months later they reversed it and said I lost met appeal. I said the hotel charge off for a reservation in the end of XXXX and its not even XXXX at that point. They started another appeal and I lost that. I called and started a XXXX one after the date of when someone was supposed to check in and sent them the info that no one had checked in on that reservation. They denied my claim again and said well whoever booked it had your information. I explained to the lady when people are stealing your card they probably know your name too! 
I was denied again and told today theres nothing they can do and XXXX stuck with this charge thats now over {$2500.00} Yet in ALL of discover credit cards commercials they say never responsible for a fraudulent charge
Product: Credit card

i tried to open a dispute with american express on XXXX fraudulent charges.they would not open it at all.i feel that they should have at least investigated into it.the company was consumer advocate services. they stole XXXX dollars from me.they totally disappeared on me and american express would not look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today,  XXXX / XXXX / 17 , I tried to get credit card from  Home Depot, w hi  ch would let me get 10 % on my today 's shopping. My request has been rejected due to low credit score.
My question is : why my credit score is low? I expected it to be a  round  XXXX .
Product: Checking or savings account

Hello, several months ago I called Capital One to update my name from XXXX XXXX to XXXX XXXX XXXX ( my name changed due to marriage ). I provided Capital One with all required documentation. My name was changed successfully - I was issued new cards with my correct name for all of my credit cards and debit cards. 

My husband called Capital One about a week ago to request new checks on our joint Capital One Interest Online checking account. We received the checks earlier this week. When we reviewed the checks, my name was spelled incorrectly with the former spelling ( XXXX XXXX ). 

We called Capital One to inquire as to what happened. We were told that while my name was updated for all of my credit cards and 360 bank account, the name was not changed with the Interest Online checking account. So we asked the rep to simply look at the existing accounts that I have and make the name update, to which we were told Capital One can't do that without proper documentation ( marriage certificate and drivers license ). We advised the rep that we've already worked with Capital One to provide everything needed for all my other accounts and the rep advised that he still couldn't do it because " the procedures for the Interest Online checking account are different ''. 

I've attached a copy of my marriage certificate and drivers license to this complaint. I'm not sure why one area of Capital One can not talk to the other, but can someone please update my name on our Interest Online checking account to XXXX XXXX XXXX and reissue us a new set of checks with the correct name? 

Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and subsequent identity theft. The following accounts and inquiries appearing on my credit report are fraudulent and were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be immediately blocked and deleted from my credit file. 
XXXX Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$250.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$9800.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX  - XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} Unauthorized Inquiries XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

I was paying XXXX XXXX XXXX dollars monthly. When XXXX came and payment was due ( automatic payments deducted from my bank debit card ), the card was declined. What happened was that someone tried to use my bankcard and my credit union called because of suspicious activity. I had to get a new debit card. XXXX then called me and said that my card did n't take. I said, oh, yes, my card had unauthorized usage and i had to get another card. The representative was nice and apologized that something like that had happened to me. The representative said she need to connect me to the department that will take the missed payment. I said, ok thank you. Once I was transferred, the agent tacked on XXXX extra dollars, stating that it will be added every month until I am finished paying back my debt. I said, Why because the payment was declined, it was n't my fault, someone used my debit card and it had to be cancelled and replaced. The agent said that they were giving me a courtesy all of the months that I had been paying and now I will have to pay an extra XXXX dollars that does not go towards the amount I owe, it goes into their pockets. I never agreed to the extra XXXX and was never told about the extra XXXX. I feel like this is extortion.
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. 

Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.