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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

FLEX pay received a written request by email to cease and desist any authorizations to a business debit card regardless of how it was added on file and FLEX pay charged the payment anyways to the company debit checking account despite the cease and desist removal of the card. The company is now deciding whether or not to honor the dispute however the charge was sent to a business account and the company sent a cease and desist request of the removal the of the card on my behalf. It wasnt honored.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to formally dispute multiple inaccurate and negative accounts being reported by ( Experian ) on my credit report. I demand an immediate investigation and removal of the following accounts off of my credit report. Due to these errors, I have suffered severe financial hardship and this has prevented me from securing a mortgage, placing me at risk of homelessness. Additionally, the undue stress caused by this ordeal has resulted in emotional distress, damage to my reputation, and economic loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX XXXX XXXX XXXX several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.
Product: Credit card or prepaid card

I signed up for a 0 % balance transfer for 12 months and they didn't honor it but charged me over a hundred dollars in interest on it and I contacted them about it and never heard a word back. I told them no one in their right mind would transfer {$5000.00} into an account with an absolutely ridiculous rate of 24.74 % which they charge for someone with good credit and wont lower.
Product: Credit reporting or other personal consumer reports

I have no business with XXXX XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions. The original account is past the 7years of reporting according to the state of illinois
Product: Debt collection

On XX/XX/2020 XXXX @ XXXX XXXX XXXX XXXX extension XXXX called my husband 's family members On XX/XX/2020 called my place of employment 5 times before XXXXpm harassing my coworkers for my information. 

This company is claiming I owe school loan debt that was paid back over 5 years ago. 

I will lose my job if they continue to do this.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my Bitcoin and Etherum investment were stolen form Coinbase a. My username and password were compromised. 
I am writing to you because Coinbase had a major security breach that they refuse to acknowledge. They let a hacker access my account from Wisconsin, totally different IP address. They failed to authenticate his identity with XXXX authentication that is linked to my cell phone. This authentication gives a six digit code every few minutes that you have to insert at log in. Coinbase did not send me any email about the actions taken place in my account. These two security measures are in place to protect the end user, but Coinbase had a major security breach in enforcing it. They refuse to acknowledge that they failed with this protection. They refuse to activate their up to 250,000 dollars fraud protection. 
I know that this investment entity is relatively new, but it is a reputable and suppose to be a secure company. I know that there are other victims out there. 
We plead for help to recover our investment. 
Thank you XXXX XXXX
Product: Checking or savings account

My account has only my XXXX XXXX deposits. My account was frozen by the Bank of America, as my daughter told me, for XXXX days. I did nothing wrong. The Bank of America did not contact me. I did not even know that my account was frozen I went to the grocery store to buy food and my card was rejected in front of everyone. I could not buy food to eat. 
I am almost XXXX XXXX XXXX, and this is wrong what the Bank of America did to me. Why did you freeze my account? Will you do it again? My XXXX is barely enough for me to live on, and I could not buy food. I am nervous and afraid to have this happen again. Why did you freeze my account? 

Please answer me.
Product: Credit reporting or other personal consumer reports

Please update or remove the Items i listed in my letters sent to XXXX last 15 days, this is my multiple request i felt my complaints is ignored.
Product: Credit card

My credit score dropped a lot, so i checked my credit report. There is an credit card that I never known. 
credit card company : XXXX XXXX Account number : XXXX ( x stand for number that doesn't shown in credit report ) date opened : XXXX XXXX balance : {$10000.00} credit card company address : XXXX XXXX XXXX XXXX, DE XXXX Phone number : ( XXXX ) XXXX
Product: Debt collection

I XXXX XXXX XXXX has paid off Oportun on XX/XX/year>. Oportun said that they will delete this this account off of all 3 of my credit reports as of which they have not done since I paid them on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have been mailing letters, calling and emailing and have not received a response. I spoke with a representative in XXXX regarding a settlement letter I received for my account and settled my account with her that day. The amount was {$1500.00}, on XX/XX/XXXX. 

( XXXX ext XXXX XXXX XXXX ) It is now XXXX and not only is my credit report not updated to show as settled with no balance due, but Nissan is also stating that they have no knowledge of this because XXXX has not notified them. I spoke with XXXX ( the debt collector ) in XXXX and the lady stated it is showing as settled and sometimes it takes time and if it was not showing by XX/XX/XXXX, to do a dispute with Nissan. 
I do not like that I was lied to and possibly stolen from. Why would the representative state that the account was settled in full, and simply take my money and never report it as settled. I would not have randomly paid {$1500.00} to just deduct from the balance on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with mobiloansXXXX 
They did not tell me the extreme cost of a processing fee. for each payment I was charged XXXX processing fee. 
I payed off the loan and received no contact that my paymants are done. I requested my account be closed with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/2017   , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within  24  hours, I received a reply from   XXXX   stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.  <P/> I have requested that the following inquires be removed :  XXXX   XXXX   XXXX   XXXX  An Inquiry that is tied to no name at all  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
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 Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Bankruptcy Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX**** Account Name : XXXX Account XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 Equifax, XXXX, and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Product: Consumer Loan

XXXX 2015..charged {$15.00} late fee..not late XXXX XXXX 2015 made extre {$50.00} payment..all went to interest..even though expressly requested to be applied to principal XXXX XXXX 2015 extra payment applied to interest expressly made separate payment and called ... all went to interest XXXX XXXX 2015 {$20.00} principal only payment was applied to interest XXXX XXXX extra princpal only payment XXXX went to interest in XXXX 2015 i paid XXXX in interest..XX/XX/XXXX 2015 i paid XXXX.why am i paying more interest on lesser balance.. ( XXXX XXXX balance XXXX ... XXXX balance XXXX ) i want a recent copy of payment sent to me in paper copy i want above corrected ( at 19 % interest ) i want an explanation on increased interest payment and when that started and a month by month intrest account stated in my answer to CFPB not just sent in payment history my payments have been made on time since XXXX 2015..i have bank records
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that Citi Bank supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to two Accounts ( XXXX open XXXX XXXX & 542418xxxxopen XXXX XXXX ) that I previously had with CitiBank. 


Prior to the Pandemic I had Impeccable Payment history XXXX  credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of  XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to CitiBank in reference to 2 Accounts that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that CitiBank remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXXXXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am formally disputing the reinsertion of the XXXX XXXX account on my TransUnion credit report. This account was previously removed but has now been reinserted, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), which mandates that if an account is reinserted, I must be notified in writing within XXXX business days, including the name of the party that provided the new information. To date, I have not received such notice. 

Furthermore, you have stated that this account has been verified. Under the FCRA 611 ( a ) ( 7 ), I demand that you provide me with a detailed method of verification, including : XXXX. The name, address, and direct contact information of the individual or entity that verified this account. 
XXXX. The specific process used to verify the accuracy of this account. 
XXXX. A copy of the original application or contract with my wet ink signature proving I agreed to this account under legally binding terms. ( DO NOT SEND ACCOUNT STATEMENTS ) Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to full disclosure of all information in my file, including any supporting documents used to validate this account. If TransUnion can not provide tangible proof of my legal obligation to this account, you are required to delete it immediately under FCRA 611 ( a ) ( 1 ) ( A ), which states that any information that can not be verified must be removed.

Additionally, reinserting an account without proper notification violates FCRA 611 ( a ) ( 5 ) ( B ), and continued reporting of unverifiable information is considered willful noncompliance under FCRA 623 ( a ) ( 3 ). If this matter is not resolved promptly, I will be forced to escalate this issue with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action against TransUnion for damages under FCRA 616 and 617.

I demand that this account be permanently deleted from my credit report unless you can provide the legally required proof. You have 30 days from the receipt of this letter to comply. Failure to do so will result in further action.
Product: Credit card or prepaid card

On XXXX XXXX my new credit card was charged to the max XXXX XXXX.showing a purchase which was I didnt initiate after contacting the store I was assured that they will fix the issue I went to the store and finalized the order ..total was {$4200.00} balance was to be refunded to the card as agreed My order was never delivered even after making multiple attempts to contact the store.. 
I filed a dispute with the bank where the merchant presented a different receipt and claimed XXXX XXXX of {$9700.00} as cancellation charges While the final order was for only {$4200.00} And I never cancelled my order XXXX did not delivered anything
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, theory dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

XXXX XXXX a subsidiary of Credit Acceptance Corp sold me a lemon XX/XX/XXXX. The car started to smell of gasoline 3 days after purchase so I went back and tried to return or exchange the vehicle. At that point I was presented with numerous documents that wasnt presented to me at all during signing saying that I had bought the car as-is with no warranty. I went to the Indiana Attorney General who sent a letter saying that because I bought the car as-is I was stuck with it. They added on a mandatory service contract for an additional {$1400.00} to my purchase price. I reached out to the warranty company several times and never got an answer leading me to believe they were just as fraudulent as the dealer. So I went through a 3 year cycle of paying for numerous repairs on a XXXX old vehicle. This resulted in delayed payments. In XXXX of XXXX the transmission went out and I had to pay to replace it. I immediately reached out to Credit Acceptance and let them know what was going on. I asked for a deferment or payment plan numerous times only to be told to pay a minimum of {$20.00} to offset the collections calls. Which wasnt true because they would still call me a minimum of 3 times a day regardless. It took me over 3 months to pay off the repairs. When I got the car out of the shop I let them know and they came and repossessed it 3 days later. A few weeks ago I started receiving mail from bankruptcy lawyers telling me aCredit acceptance was suing me for over {$5000.00}, which I can not afford and would push me into bankruptcy. Ive been working on my credit since the repossession and dont feel that its fair that they were able to misrepresent the terms and conditions of the contract without having to face accountability. The amount of money that Ive paid in car notes and repairs exceeds the actual cash value of the vehicle and the deficiency is a result of them inflating the price with add-ons and a over zealous interest rate thats over the indianas usury cap. I feel that them suing me and 90 other Indiana citizens in the month of XXXX alone is a huge indication that they make more revenue off of setting us up to fail. If they successfully sue all of us thatll be {$610000.00} in their pocket. Meanwhile XXXX people that trusted them enough to do business are in financial ruin. I have all of my initial paperwork which blatantly shows their predatory practices. However Im afraid that the state of Indiana is going to side with Credit Acceptance Corp as though they did no wrong.
Product: Checking or savings account

Good evening, My name is XXXX XXXX. 
In the summer, my phone was stolen along with my bag and identity. 
The thieves proceeded to make multiple unauthorized transactions on my bank account. 

At the time of the alleged transactions, I wasn't even in the country. I sent Chime all supporting documents proving my innocence. A police report. A screenshot of the ticket. A receipt that proves I BOUGHT a new phone. 

Even with all of this supporting documentation, Chime still proceeds to deny my claim. 

In fact, they never show me any proof of investigation or supporting documents. Its always the runaround. 

They purposely tell clients they are eligible for temporary credit after XXXX business days and then DENY the claim on the XXXX business day on purpose WITHOUT a proper investigation. 

My money is FDIC insured and I have proven that I didn't do these transactions. Please help me.