23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

the Coinbase XXXX app  is a fraud. It looks lke a coinbase wallet, but it's not. 
It seems like a foreign entity has done a masterful job at creating a web site that would resemble a wallet. But it's a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from Experian. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

Experian job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and Experian makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your XXXX  and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of racism and discrimination.
Product: Payday loan, title loan, personal loan, or advance loan

I have a Checking Line of Credit account with Navy Federal that is used from time to time. My account was paid off in full on XX/XX/XXXX ( {$500.00} ) and I then incurred another charge ( {$5.00} ) afterwards that I paid on XXXX when I noticed it while on the app. My account has been at XXXX balance since XXXX and I have been unable to use my account. It states that I need to pay my past due amount for it to unfreeze my account, yet there is no balance. I have been in contact with Navy Federal since XX/XX/XXXX and unfortunately, they've been unhelpful with resolving my concerns. I would like for my account to be unfrozen or given adequate information on why it is frozen and what additional assistance from myself may be required.
Product: Credit reporting or other personal consumer reports

Recently, i looked at a copy of my credit report and noticed several accuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is an item i am asking you to verify that it is accurate. 
ACCT NAME : XXXX XXXX XXXX  ACCT NUMBER : XXXX ACCT NAME : XXXX  XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX  XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX ACCT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint about credit inquires that are on my account and they are not mine, I called customer service would not delete these. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax alone of the credit reporting bureaus has consistently committed errors demonstrating gross incompetence bordering on criminal negligence. My Equifax credit score dropped 20 points overnight because their system reverted back to credit card balances of 3 months ago rather than updating to the current much lowed balances on said three credit cards.
Product: Checking or savings account

Had money in my account but was still overdraft fee. Debits were delayed making me think I had more money than what I actually had.
Product: Debt collection

On XX/XX/19 I filed a complaint about pro collect in search for something as simple as a receipt for a {$550.00} payment that was made on XX/XX/19. This morning a representative Ms XXXX I believe her name was called me in her attempt to rectify the situation. However she did not give me any option for a receipt my only options were to pay the balance in full for a paid in full letter or to use my statements. This is not an official receipt! How am I to prove that I have paid you or what my balance is on the account if I do not have a statement. the rep continued to ask me with her harsh tone if I wanted to cancel the payment plan that I did not want to set up in the first place but was told I had to because they do not accept partial payments it has to be on a plan. I told her if I can not receive a receipt or documentation on the plan yes please cancel. She then told me that my balance for BOTH of my accounts are now due in full. This is not fair as the account that had the plan has nothing to do with the other account as they are two separate accounts. This is an unfair attempt for retaliation and I think they need to be investigated for their policy and tactics as a financial collection service. I had not problem paying them back until I was told that I would not receipt the appropriate documentation until I give them all of the money. The rep then asked me if I have received any of their attempts to collect ( which she knows I did not because I changed my address in the system with her when I made the initial payment ) she then told me she can send a bill for the balance of both of the accounts to my address on file. You mean to tell me you can not send me a receipt or proof of payment but you can send me a bill and request for payment of debt?
Product: Checking or savings account

TD bank XXXX va branch. 
Did a mobile deposit on XX/XX/XXXX it was an IRS Check they held my funds for 7 business days. Told me the funds will be available on XX/XX/XXXX. But then told me that they closed my account and if I want my funds I would have to drive 6 hours away to go into a branch. It did not specify on there online banking app that I had to go into a bank to identify myself where I already did through online banking.
Product: Credit reporting or other personal consumer reports

I am listing 3 Inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living being, I have rights 15 USC 1681. XXXX is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give XXXX written permission to furnish these accounts. Accounts : 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

" NEW ISSUE '' Rentdebt Automated claims they verified this debt which I requested for them to send back to the original creditor as I know nothing about this debt. Please provide as you uploaded documentation of this debt. The method of E-OSCAR documentation you sent to the credit bureaus to verify this debt. Section 623 ( a ) ( 8 ) I'm requesting the record of documentation you sent to the credit bureaus to be uploaded via the CFPB portal you sent to the credit reporting agencies. If it is fount you verified this debt with a 2 or 3 digit numeric code instead sending this documentation to the credit bureaus I will be seeking litigation for the damages.
Product: Debt collection

The Consumer Financial Protection Bureau ( CFPB ) is issued an advisory opinion to affirm that the Fair Debt Collection Practices Act ( FDCPA ) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt. Accordingly, an FDCPA debt collector who brings or threatens to bring a State court foreclosure action to collect a time-barred mortgage debt may violate the FDCPA and Regulation F. 

The Debt collector has filed a Motion for an order confirming referee report and judgement of foreclosure and sale. This mortgage was accelerated on XX/XX/XXXX  ; almost 10 years ago and is therefore time barred by almost four years based on New York 's six-year statute of limitations. The newly enacted Foreclosure Abuse Prevention Act provides that all acceleration events, whether occurring prior to or by way of commencement of an action, are presumptively valid unless a prior action was dismissed upon a timely interposed defense, asserted in a defendants motion or application, based on a express judicial determination that no valid election to accelerate the instrument occurred prior to or by way of the commencement of that action. The Debt is time barred and the FDCPA and Regulation F prohibit a debt collector from suing or threatening to sue to collect a time barred debt.
Product: Credit card or prepaid card

I was contacted by Bank of America on XX/XX/2021 informing me that my credit card was approved. I never applied for this credit card. I think this was related to a false or fake FEMA claim about a month ago. I reported this to Fema fraud department. This occurred because of XXXX XXXX that damaged our area. 
Bank of America canceled the credit card application and I reported this to all three credit agencies as well as putting a fraud alert notice on my account.
Product: Debt collection

This complaint is in reference to account XXXX with Enhanced Recovery Corp. According to my credit report ERC took over this account from XXXX in XXXX of 2016 in which I was not aware of this account until ERC listed it on my credit report XXXX/XXXX/2016. Although the account was assigned to ERC and they had the account listed on my credit report I was instructed for the original creditor ( XXXX ) that I could make the payment to them and they would recall the collection from ERC and have the collection removed from my credit report. On XXXX I made payment to the Original creditor ( XXXX XXXX ) in the amount of {$160.00}. ERC was notified by the original creditor the payment day ( XXXX/XXXX/2016 ) that the account was paid in full and as of today has not reported the correct account information which has caused me to be denied credit. As of today after multiple disputes on this account ERC continues to report false information to the XXXX reporting agency which is a FCRA violation. For the last 6 months ERC continues to update XXXX reporting agency and list the account as an unpaid collection and with a balance owed ( {$160.00} ) in they are aware that the account was paid in full on XXXX/XXXX/2016. As of today I am prepared to sue ERC for not providing complete and accurate information to the credit bureaus and for not correcting inaccurate information in my report upon credit disputes. This is not acceptable for ERC to knowingly participate in unfair collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 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 bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX  XXXX XXXX, XXXX XXXX, XXXX A XXXX XXXX
Product: Debt collection

Company is trying to collect a debt of {$620.00}. I have no knowledge of this account or company so im not sure why they are saying I owe them.
Product: Credit reporting or other personal consumer reports

Subject : TransUnion Failure to Provide Dispute Results Sent Credit Report Instead Complaint Narrative : On XX/XX/scrub>/2025, I submitted a dispute to TransUnion regarding inaccurate and duplicate accounts on my credit report. Rather than conducting a proper reinvestigation and providing a formal response with dispute results, TransUnion sent me a generic credit report on XX/XX/XXXX, 2025without addressing my dispute or explaining whether the accounts were verified or deleted. 

This response violates FCRA 611 ( a ) ( 6 ), which mandates that credit reporting agencies must send a written notice of the results of their investigation, including whether the disputed information was corrected, deleted, or remains unchanged. By sending only a credit report, TransUnion failed to comply with these requirements, and as a result, the disputed items remain on my credit report, continuing to cause me harm.

The continued presence of these inaccurate accounts has negatively impacted my credit score, resulting in credit denials and higher interest rates for financial products. This has also caused significant XXXXXXXX and emotional burden.
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 15 USC 1681. 

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 XXXXXXXX. Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Credit card

Chatted with rep online when asking for a hardship plan to reduce my monthly payments as I am dealing with loss of income and we just went through a major Hurricane. Said payment option found but would need to call for the details. Called and there was no record of any payment plan. The only option given was to catch up my missed payment for XXXX  months to bring the account current. The payment was more than my usual minimum due. How is that helping during a hardship. Asked for a supervisor and said the same. Can pay more than my minimum due each month for XXXX months to bring acct current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX
Product: Student loan

In the l ast four days  I have been called repeatedly by  Navient that  my loans are ok, except fo r one that the Vice Presidnet of the  company decided to cut from my repayment plan because " my co-signer can afford to pay more than we had agreed to. '' Both myself and my cosigner, my mother, are on extremely tight budgets.  Navient ag reed to a repayment plan in   XXXX   XXXX   XXXX   with us and we submitted all requested documentation for all my loans.. In   XXXX   XXXX   XXXX   the harassing calls started and we were told that  one particular loan was rejected by the Vice President of Navient o n    XXXX   XXXX   XXXX    because he said my cosigner can afford to pay more than she already has.   We have been fighting with them since  XXXX  and they refuse to send either  one of   us a letter stating this or a reason as to why we were rejected on the  one loan   repayment. On   XXXX   XXXX   XXXX  , I was called and harassed  five times within three  hours that I must pay them an extra {$100.00} a month or they will file my loans as delinquent and demand full repayment of {$32000.00} on    XXXX   XXXX   XXXX    for this one loan that I have a cosigner for.   I have explained that I can not afford to pay this extra extortion on top of the {$510.00} a month I pay. This is an undue economic hardship and it is extortion to demand that I pay them extra or they will call the full {$32000.00} due in less than a week. When I asked what my options were, I was told " we do n't have to do anything for you, this was a courtesy call to inform you that your payment must increase to stay out of default status.  '' Navient uses  an autodialer, and calls me from several different numbers that are from across the United States. I asked what numbers I am supposed to reply to and why they call me from Virginia, Texas, Tennessee, New York, Florida, and Delaware and they told me " that it was none of my business so long as I keep paying my loans. '' I 'm unable to continue to repay them at these rates when I already work full-time, but I know they are trying to coerce me into paying more so they can make a profit.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : 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 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 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 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

Vehicle was stolen XX/XX/XXXX it was deemed a total loss and paid for by XXXX XXXX XXXX on XX/XX/XXXX. XXXX has on my credit report that Im over 90 late and I owe a balance of {$12000.00} dollars and this is preventing me from closing on my home next week.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued XXXX and XXXX regarding the unresolved issue of late open accounts. Despite our previous attempts and numerous communications, it is disappointing to note that this issue remains unresolved. 

We urge you to escalate this matter and allocate the necessary resources to expedite the correction of late open accounts. Additionally, we request transparent communication regarding the steps being taken to address this issue and prevent its recurrence in the future. 

Please consider this as a formal escalation of our concerns. We expect prompt action and a tangible resolution to be implemented without further delay. Failure to address this matter adequately XXXX compel us to explore alternative options to ensure timely and efficient account openings. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX  XXXX Balance : {$520.00}.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report this morning, and I have no clue why theyre there. I routinely check my credit report, but today I found discrepancies that werent there before. I thought it might be a browser issue, so I refreshed the page, but nothing changedthe wrong accounts were still there. Im deeply concerned and am requesting a thorough review of the documents Ive sent so I can stop worrying about this.