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

On XX/XX/XXXX Coinbase started charging my bank account through my debit card multiple times for old transactions. I was put several hundred dollars in debt and can no longer pay my bills. They refunded some of the charges but not all, and I still have a ludicrous amount of courtesy pay charges thanks to this behavior. This kept happening following the next day and is still happening today.
Product: Credit reporting or other personal consumer reports

Im filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the following companies XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting agency delete and block information appearing on my consumer credit report that is a result of identity theft/fraud within at least 4 days of you receiving this complaint. I have made numerous requests for actions to be taken and some have yet to be taken. The fraudulent, inaccurate, and false information of the following are on my report. Personal credit cards, personal loans, personal auto loan, and my name is incorrect on one report. My first name is incorrect on a report and is listed as XXXX XXXX XXXX and XXXX XXXX but my correct name is XXXX XXXX. Also my date of birth on one of your reports is listed as XXXX  when in fact its XXXX. The following items are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The numerous fraudulent accounts have resulted in several closed accounts, chargeoffs, and collections. These are appearing on my consumer FICO credit report. I have never opened these accounts nor do I recognize the aforementioned accounts, collections, charge offs, or late payments as reported. The aforementioned accounts, collections, charge offs, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. Once again Im reaching out to you to abide by the law and do the lawful thing and remove said items. Ive made contact numerous times and these items have yet to be rectified. If said items are not removed I will have no choice but to take further action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XX/XX/2021. 

XXXX. XXXX XXXX Account # XXXX 30 days late in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

| This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts. I Marked Inaccurate. 
CCMFINANCE 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

My information was disclosed to a third party without my permissible purpose!

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account on my credit report, that they should have never reported. Prior to the account appearing on my credit report, I never received any prior notification. According to the Fair Debt Collection Practices Act, they should have provided me with a 30-day notice to dispute, but they did not do that. Therefore, it is illegal for this collection agency to continue to report this account on my credit profile.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I sent formal dispute letters to Experian regarding two late payments incorrectly reported on my credit file for the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These late payments, from XX/XX/XXXX and XX/XX/XXXX, should have been marked as " on time '' due to the protections provided under the CARES Act.

As a result of financial hardship caused by the COVID-19 pandemic, I qualified for accommodations under the CARES Act, which requires creditors to report accounts as current if a payment accommodation was granted during the pandemic. I believe these late payment entries were either reported in error or without full consideration of my rights under this law.

In my letters to Experian, I requested that these payments be corrected to reflect an on-time status to resolve the matter. I included all relevant details in my dispute, including my account information and my request for an investigation into this matter.

Despite this, I have not received a satisfactory resolution, and these late payments continue to negatively affect my credit score. I am seeking the CFPB 's assistance to ensure that Experian comply with their legal obligations under the CARES Act and the Fair Credit Reporting Act ( FCRA ) by correcting these inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get my credit report from Equifax, XXXX  or XXXX, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!
Product: Student loan

I asked Splash Financial via text if there was the same 0.25 % rate reduction for auto pay. With the rate reduction my fixed student loan rate would be 2.84 %. Their customer service confirmed that I would in fact receive the rate reduction. I made a financial decision to select Splash Financial over my current company that was offering me 2.89 %. 

The rate reduction was not applied to my account once my auto pay information was added to my account. 

Me : Hello, according to your website my interest rate after the direct bank payments is 3.09 %. I was previously told that the 3.09 % would be reduced by 0.25 % once I added my bank information. Please correct the website ASAP. 

Splash : Good morning! Let me look into this for you. Out of curiosity, do you remember who told you that this bank had an auto pay discount? Some of our lenders have auto pay discounts, and others do not. 

Me : I already have direct bank withdrawal set up with the website. My interest rate should be 2.84 % not 3.09 %. ( I sent screen prints of my previous text conversation ) Splash : Unfortunately, at this time this bank down not offer the auto pay discount. I apologize for the miscommunication on our end. 

Me : Miscommunication is not even close to what happened here. Splash is causing me a negative financial impact. The difference in the interest rate is costing me more money. I never would have refinanced my loan at 3.09 %. What is Splash going to do to make me whole?

Splash Financial refused to adjust my interest rate. Rather they offered to pay me {$400.00}. the financial impact was {$860.00}. After several emails, Splash Financial finally agreed to pay me {$860.00}.

My concern is for other consumers not aware that documentation is gold. My concern is that Splash Financial will lie to other consumers causing even more of a economic burden on student loan borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there are late payments on my credit report that need to be removed from XXXX bank. I send multiple letters requesting to remove inaccurate late payments from my credit report on XX/XX/2021 and on XX/XX/2021 to all 3 credit bureaus ( Equifax, XXXX and XXXX ). I have received letters from all 3 credit bureaus but none of them have been removed. I have never made any late payments to XXXX and need late payments removed. Thank You.
Product: Credit card

I had a payment scheduled for the full statement amount of {$2300.00}. They sent me an email that the payment processed. A few days later I receive another email that a payment was due so I check my account and see that they had charged me a late fee and interest. I received no notification that my payment didn't process. I tried to sort it out with them but they were not helpful. Keep in mind this is only 3 days after the payment was due and I had every intention of paying it in full but need the fees and interest waived due to them not even notifying me that the payment did not go through when I have an email from them saying it was processed.
Product: Debt collection

I went to the Dr on XX/XX/, my copay was {$100.00} with XXXX XXXX  as per my XXXX  XXXX policy XXXX plan # XXXX which i paid at the time of service. a couple of months later XXXX XXXX sent me a bill stating that some weird insurance company paid some money but not all of it. I write to XXXX XXXX twice without a response advising them that it appeared they billed the wrong insurance company and that my copay was supposed to be {$100.00}. I never heard back from XXXX XXXX on either of my letters. today i received a demand for payment from a collections agency I.C. Systems XXXX XXXX XXXX. XXXX XXXX MN XXXX demanding payment of {$79.00} which i do not owe as i paid my co- [ ay at the time of my visit as per my XXXX XXXX XXXX
Product: Credit card or prepaid card

Date/Time of event : Tuesday, XX/XX/2019. Approx. XXXX XXXX Tried to access my credit card account with JPMorganChase online. Site responded that it did not recognize the computer I was using and needed to send a temporary code to validate the computer ( same computer I've been using to access site for almost 5 years ). 

Went though the notification routine multiple times first trying to initiate an email to my email address multiple times -- no email with temporary code ever received. Then went to telephone option to initiate call with temporary code. No callback with code ever received. 

Tried this numerous times with same result -- nothing. Clearly a problem with the system that generates and/or sends the codes to customers in this situation. 

Called customer service who indicated they could send me a text message with the temporary code. I told them I only have a landline and not a cellphone to receive a text message so they would have to send me the code someone other way -- like email -- or by sharing code with me on the phone ( the very landline and presumably they have caller ID to validate I was calling from the same number ). They said they could not do this, but that I could go to a JPMC branch ( many, many miles away and I only have an online credit card account with JPMC ). 

To all this I replied that they were making their system problems my problem and were preventing me from accessing my account. I indicated this would be against the terms of the account and that I wanted to speak with their General Counsel 's office, to which they replied they could not provide a bank attorney to speak to but I could always contact my own attorney. I reconfirmed that we were being recorded so the tape could be pulled if necessary, then told them I would report it to CFPB instead and that they had extremely poor customer service. I suggested that if their CEO XXXX XXXX knew the facts of the situation and how their customer service responded so illogically to a customer, he would not be happy and invited them to share the tape with him ( expletives and all ) As of XXXX XXXX ET, I still do not have online access to my credit card account at JPMC.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Due to XXXX XXXXXXXX pandemic i had 4 late payments 2 in XXXX in the months of XXXX and XXXX and 2 in XXXXXXXX in the months of XXXX and XXXX to date my credit card is active and current with no other late payments i feel as tho i should not be held responsible for these due to the fact that i was laid of work twice. im trying to by a house and late payments are really hurting my score the credit card company is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! I have no idea why my credit was ran by these places!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX were all on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is showing late payments when it should not and XXXX XXXX card is also showing late payments.
Product: Debt collection

Capital Accounts called me at work twice. I have advised them to stop calling me at work. If they continue I will sue them for harassment.

The number that is calling me is XXXX
Product: Debt collection

I lost my job on XXXX XXXX contined to struggle and pay my car note until XX/XX/2020. At that time the car was in operable for from XX/XX/2020 to XXXX 2020 months because of a transmission issue. I was unemployed at the time because of XXXX and i was pregnant at the time.So on XX/XX/XXXX XXXX .I called the finace compay XXXX XXXX and let them know i was unable to keep the payment up and i advise them to come and pick up the vehicle at the time I did not have any other transportation.They came and got the vehicle and i made sure the vehicle was cleaned out and in the best condition possible but with minor wear and tear as possible.They sold the vehicle in auction and that all i heard. Until crown managament assets started harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX XXXX WITH ACCOUNT NUMBER XXXX account to me that I have asked it to investigate because it is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Upon reviewing my credit report, I have identified several fraudulent accounts and credit inquiries that were made without my consent. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX XXXX.
Product: Mortgage

I requested a mortgage payoff statement with Sterling National Bank by calling their mortgage services line on XX/XX/2019. I asked for the amount over the phone but they said they can not give me that information over the phone. I then asked them to send the info through the mail. 
By the beginning of XXXX, I still hadn't received a copy of it ; however, they did send out their monthly bill for XXXX. When I called on XX/XX/XXXX, they said that it shows that their system did generate a copy and was sent. I have been monitoring the mail daily since the request and thought that it was strange that I received the monthly statement but not the payoff statement. 

When I spoke to the representative ( XXXX ) by calling the mortgage services number again on XX/XX/XXXX, I requested the information over the phone so I can prepare the amount. They said they can fax it to me but not send it through email or give me info over the phone. The only option is to send it through regular mail. I do not have access to fax. I went ahead and requested this statement again for the payoff date of XX/XX/2019. Today is XX/XX/XXXX and I still haven't received it. 

I have since then received the regular monthly payment statement. I find it odd that I've requested this twice and they still have not successfully sent this to me. I question whether they are ignoring my request and not sending this to me. 

Under federal law, the servicer is generally required to send you a payoff statement within seven business days of your request, subject to a few exceptions. ( 12 C.F.R. 1026.36. ) Because you havent received a statement within this time frame, I called them and told them that I still haven't received it and that I'm officially sending them a notice of error to the servicer asking it to provide the statement. 

I don't think they want me to payoff my mortgage and continue to receive interest. Please help.
Product: Debt collection

My credit report shows several accounts I didn't authorize and believe are inaccurate. Please block and remove these fraudulent entries at once.