23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, 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.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit funds to my account from my employer. Technical issues have been cited by Capital One which essentially violates the Electronic Funds Transfer Act ( EFTA ) as it requires that funds be accessed in a timely manner. This situation raises concerns about consumer protection laws and I request your assistance in investigating the matter to ensure my right are upheld. Thank you.
Product: Credit card or prepaid card

I sent the company a message on their internal secure messaging system on their website on  XXXX / XXXX / 17 . I also attempted to call them on the same issue on  XXXX / XXXX / 17 .   XXXX  The problem is that they are not posting the  XXXX   XXXX   XXXX  Rewards Points to my account that I am owed.
Product: Prepaid card

We had a card issued in XXXX. Since that time we had 29 transactions declined. We finally had one of the retailers inform us in XX/XX/XXXX that the transaction was declined due to the card being blocked and that we needed to contact TransCard. Upon contacting Transcard, we were informed that the card was blocked in XXXX but they never informed us using the email/mailing address they have on file. They then began charging inactivity fees even though we kept trying to use the card over the next two years. They charged {$4.00} in activity fees thirteen times even though we had attempted to use the cards at least half of that time. I spoke with management and they refused to acknowledge that we had attempted to use the cards and as such should not have been charged inactivity fees. It appears as though they intentionally blocked the card without informing us so they could charge monthly inactivity fees.
Product: Credit reporting or other personal consumer reports

I was trying to apply for credit and I was devastated when I got denied. I proceeded a further investigation to see what was the issue and I saw inaccurate accounts reporting on my credit report that are not mine. 
In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Numbered Account attached to this dispute violates my rights.

Bank of America Inaccurate accounts numbers listed : XXXX : XXXX Last Activity XX/XX/XXXX XXXX : XXXX Last Activity XX/XX/XXXX XXXX : XXXX Last activity XX/XX/XXXX As you can see theres several inaccuracies circling throughout all 3 bureaus. According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. 

Clearly this law was not followed through if I am seeing inaccurate information on my credit report 15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is 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 creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts do not belong to me. I have never did any business with neither of these companies.

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 and number : XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 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

On XXXX XXXX  2021 XX/XX/XXXX closed my account and refunded my initial XXXX deposit, and the balance on my credit account is still not reflecting this update. Also, they are reporting my balance inaccurately to multiple credit reporting agencies. On XXXX XXXX, 2021 they sent me an incorrect billing statement as well. They are damaging my credit by not reporting the correct information, it is discouraging, and I do not agree with it.
Product: Credit reporting or other personal consumer reports

Discovering that I've been a victim of identity theft has been deeply upsetting. Someone used my personal information without permission, opening accounts and conducting activities that I had no part in, all of which appeared on my credit report. Realizing how serious the situation was, I acted immediately. I reached out to Equifax, and they advised me to report the incident to the Federal Trade Commission ( FTC ), which I did right away. Despite all these steps, the false entries are still on my report, leaving me frustrated and worried about the potential damage to my credit and overall financial health.
Product: Money transfer, virtual currency, or money service

XXXX ID XXXX : XXXX Paypal is not allowing me to withdraw my refund. They are limiting my account and claiming that the funds are 180 days hold because of risk of chargeable or disputes. They are not because that was not a purchase I 've never sold anything on PAypal and the funds are simply my refund for a purchase I 've made and I demand the money back.
Product: Debt collection

XX/XX/2019 an account appeared on my credit report in the amount of ( {$1000.00} ). Ive tried disputing this information but was advised to file a consumer complaint as well as an identity theft complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX : XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$98.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Dear : Experian I am writing to dispute certain inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( b ) and 605 ( c ). The information I believe to be incorrect is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, I am requesting that you investigate this matter and remove the inaccurate information from my credit report within four business days of receiving this request. Enclosed, you will find copies of relevant documentation that support my claim. 

Please confirm in writing that you have received this dispute and inform me of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXXXXXX XXXX PST I received an email from " Coinbase Support '' informing me that there had been a suspicious login attempt on my account ( see attached email from " Coinbase Support '' ). Upon receipt of this, I tried to open my coinbase wallet, but was unable to do so as it would not accept my PIN. I then replied to this email at XXXX XXXX  PST ( see attached email from me ) giving the information requested. On XX/XX/2023 at XXXX XXXX PST I received another email from " Coinbase Support '' again informing me of the attempted suspicious login and telling me what to do in order to have my account secured ( see attached email from " Coinbase Support '' ). On XX/XX/2023 I followed the instructions in the email and created a new Coinbase wallet using a recovery key provided in an attachment to the aforementioned email secured by the last six digits of my SSN. Since it had been secured with my SSN, I had no doubt that it originated from Coinbase. I also discovered that, following my corespondence with " Coinbase Support '', I could now unlock my old wallet with my PIN. I then transferred the XXXX assets from my old wallet to the new one at XXXX XXXX PST. By XXXXXXXX XXXX PST, I noted that about half of my XXXX had been transferred out of the new wallet. A couple of minutes later, the remainder of the funds were drained as well leaving a balance of {$0.00}. I sent an email at XXXX XXXX PST to " Coinbase Support '' ( see attached ) asking them to advise me on what was going on asap. I also got on the phone with Coinbase Customer Service and explained the situation to them. They initiated the above case number and said it would be escalated to their security department. While I was on the phone with them, all of the emails from " Coinbase Support '' disappeared from my email account. The following day, I called my email provider and was able to recover the lost emails. I discovered that a spurious filter instruction, " Deliver to trash if 'From ' contains 'coinbase ' '' had been applied to my account. I immediately deleted the filter and changed the password to my email account. On XX/XX/2023 at XXXXXXXX XXXX PST I received yet another email from " Coinbase Support '' ( see attached ) requesting more information in order to aid with the investigation of my case. I called Coinbase Customer Service again to see if this last email was legitimate. I soon learned that it was from the same scammers. I was also advised to forward all of the emails pertaining to this matter to : security @ coinbase.com. I have copies of the blockchain transactions that I was able to download from Coinbase. Please let me know if these or any other data that I might provide that would aid in your investigation of this matter.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report. Under the Fair CREDIT Reporting Act ( FCRA ), section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. PLEASE INVESTIGATE AND REMOVE ANY UNVERIFIABLE INQUIRIES. a LIST OF ALL INQUIRIES UNAUTHORIZED BY MYSELF, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain information on my credit report that was affected by the XXXX data breach. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of the following accounts from my credit report, as they may have been compromised due to the XXXX breach. 

Please remove the following accounts from my credit report within four ( 4 ) business days, as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, which could have affected the aforementioned accounts. Under Section 605B of the FCRA, I am entitled to have this information removed from my credit report, and I request that you act in accordance with the law by deleting these entries within four ( 4 ) business days of receiving this letter. 

Please confirm in writing that these entries have been removed from my credit report. If any additional documentation is required to process this request, kindly inform me as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your swift response in compliance with the legal timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX, I began the process of refinancing XXXX investment properties. Both are currently with Chase mortgage and the refinance would allow me to move to a long-term fixed rate, a change that is prudent and appropriate for me as well as Chase. Despite a strong beginning in which XXXX XXXX, my product sales associate guided me through product choices and expectations, the process went down hill shortly thereafter. The essential issue is that Chase would ask for documents, I would provide them, and then hear nothing for a month or so. After sending emails to ask for a status, the process would occur again, typically with Chase asking for the same documents that had already been sent and some new variations for good measure. There were XXXX of these iterations and it made me very frustrated. To be clear I UNDERSTAND THE NEW WORLD OF MORTGAGE UNDERWRITING. I get it. The world has changed and it requires far more diligence to get things done. The Issue that I have is the lack of communication throughout the process. Further, the simple lack of progress. Chase should have a system that alerts XXXX XXXX if the application is stalled in underwiting so that he reaches out appropriately to me as a customer. That did not happpen which required me to spend a great deal of time to try to manage my own application through the mortgage process. XXXX months later, we were essentially no where. 
XXXX XXXX, XXXX XXXX 's supervisor assured me that this was my fault. Clearly he did this without reading the file. 
XXXX has apologized for the many delays throughout the process, but frankly, I am not satisfied because the same thing is going to happen to the next customer.
Product: Mortgage

In XXXX, I lost a full-time job due to covid. I called my mortgage company to asked if there was any type of assistance, they could help me with. They explained to me about a forbearance plan. They stated the number of missed payments while on forbearance would go to the back of the loan. At the end of the forbearance, I was still not back to work at my second full-time job. I asked if I could get an extension, they advised I would not be able to get an extension, but they could do a modification with an interest rate of 3.0 making mortgage payments drop to {$1400.00} from {$1700.00}, I agreed. All paperwork was sent out in XX/XX/XXXX and was signed and notarized. I made my first payment of {$1400.00} in XXXX. When I went online to make my XXXX payment, it did not allow me to do. I called PennyMac and they advised the first modification was no good due to system error with escrow payments. They advised I would have to have a 3.2 interest rate with a mortgage payment of {$1500.00} having to make the difference to the XXXX payment and XXXX payment right now. At this time, I did not have any extra money and was in a process of a divorce. I advised PennyMac I did not have any additional funds. They stated if I did not agree to this new modification, I had to pay nineteen missed forbearance payments NOW which was around {$33000.00}. They said the only other thing they could offer me was to skip XXXX, XXXX and XXXX payment with a higher mortgage. I had to agree, I had no additional funds at this time. The second paperwork came in the mail, but this time it had my spouses name on the form for him to sign and get notarized, my husband was no longer in the home and would not agree to signing the paperwork. My husband was not on the mortgage only the deed and title. I was told he did not have to acknowledge the modification, because he was not on mortgage. The first modification that came out in XX/XX/XXXX my husband 's name was not on it. I called PennyMac almost every day trying to figure out what I could do. They pretty told me nothing. They advised if my husband didn't sign the documentation my account would go into foreclosure. I was able to get spouse to sign name of the deed and title in exchange for no spousal support. At this time my new modification went from a 3.0 % interest rate to a 3.75 interest rate. The first time I agreed for the modification was what I could afford, I felt like this was a setup to have me lose my home. This is no fault of mine that the escrow payments were not taking out correctly, now I'm left with a higher mortgage and higher interest rate, this is a struggle to pay. I had to agree to the second modification, but no paperwork was signed or notarized, I'm trying to see if there's an assistance program with mortgage and if PennyMac can change the terms on the loan after the first modification paperwork was finalized and payment was made.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE ALLY FINCL Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.