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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$240.00} SXXXX XXXX Balance Owed : {$0.00} Late open XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX & XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My problem is that for months I have my account in Conibase blocked. The only message received from the company is : " Account under review.

Your account is currently being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. Log in every day or every other day to check your status " I have opened a ticket with Coinbase to resolve the problem but all they do is suggest information checks that lead nowhere. All my information is OK and I told them.

This case is similar to many other users who are in a similar situation. For me, it is specifically posing a serious financial problem as I can not have the money I have invested in Coinbase.

Please I need your help so that Coinbase unblocks my account and can use my money. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reported my home equity line of credit delinquent from XXXX to XXXX. While I did have this account, it never had a balance, so it would have been impossible to be delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by XXXX and Equifax, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have XXXX to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. I have previously filed several complaints to get this information corrected my name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX Ga XXXX do not stall this complaint by asking for my identification because I have attached it to each complaint and to this one as well. You have proof of my address as well. Delete this incorrect information because anything else listed would be considered identity theft and the address is prevent me from obtaining credit I am rightfully entitled too.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer servi

ce 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, their dispute 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 inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

I tried to access my PNC account on XXXX and here is the notification I received : " PNC has made a change that prevents you from being able to link your account. '' I need to put down a down payment on a vehicle I purchased and I won't be able to do that unless I'm able to have this problem resolved.
Product: Debt collection

After reviewing my credit report on XX/XX/20 I noticed a collection account from Emerald Coast Collections for a " XXXX XXXX XXXX MD PA '' in the amount of {$480.00}. Not only do I not even know a XXXX XXXX XXXX XXXX XXXX, but I haven't been to the doctor 's since I was serving in the U.S military from XXXX and now I only use doctors from the Veterans Association. On top of not knowing XXXX XXXX XXXX XXXX XXXX, I have never received a bill from any doctors office. When I XXXX XXXX XXXX XXXX XXXX XXXX, an address of XXXX XXXX XXXX, XXXX XXXX, IL XXXX appears. I have NEVER been to XXXX XXXX in my life. I am requesting that Emerald Coast Collections provides proof of who XXXX XXXX XXXX XXXX XXXX is, any bills that are in my name from XXXX XXXX XXXX XXXX XXXX, any correspondence from XXXX XXXX XXXX XXXX XXXX, who XXXX XXXX XXXX XXXX XXXX actually is and where he practices medicine, and what the bill in the amount for {$460.00}. If Emerald Coast Collections can not furnish all if this information, I am demanding they delete this account for {$480.00} from XXXX XXXX XXXX XXXX XXXX off of my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX  XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX  XXXX XXXX XXXX  XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. XXXX XXXX XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX  XXXX/XXXX  XXXX  and per the manager they have been reporting my balances correctly to the credit reporting agencies every month. I have been sending letter to all 3 credit reporting agency letters every month since XX/XX/2020 to update my balance on my room place account but still has not been updated since XX/XX/2020. The balance is incorrect
Product: Debt collection

Family of XXXX, XXXX phones and XXXX Emails hacked and controlled on XX/XX/XXXX. 
About XXXX XXXX we started receiving texts from XXXX that our phone service was being shifted. to another carrier. Indeed, our phone numbers were ported and killed at XXXX. Then our email addresses were hacked, and thus we lost control of our XXXX and PayPal accounts.

Then began several hours of notifications that our funds were being moved, requested, from banks and credit cards.

WE froze our bank account, and killed our credit cards.

So no money was actually taken, it just appeared to shift between our 3 family PayPal accounts. But all our money remained where it should be, since we interrupted the supply!!

HOWEVER, PayPal has a policy that credit card use with them requires a fee! So even though no funds were moved, and PayPal was VERY unhelpful, and unapproachable during this event, they levied a charge just as if credit card funds HAD be used. 
We have emailed, called, responded to emails, had our case elevated, escalated several times, no one acknowledges understanding. Then we received a collection letter from XXXX, XXXX on behalf of PayPal for {$75.00} on XX/XX/XXXX
Product: Mortgage

The mortgage company is charging me for home insurance that I already have. I have proven several times that I have insurance and have paid only my monthly mortgage payment. They are charging late fees, have ruined my credit and now threaten to foreclose. This has been going on for several months. I met with a lawyer who reviewed my information and has agreed that the company is giving me the runaround. They call me daily to collect monies that I have proven that I do not owe. I have complained verbally and by written letter sent certified mail. They will not call me about this and refuse to meet with me face to face to explain why this is happening. They lawyer will charge me {$2000.00} to sue and claims that it will cost {$4000.00} before it 's over. Can you please help me? I can not believe that this is something that they can get away with. At this point I plan to take monies from my hard earned XXXX to pay off the loan but I can not do this until they agree the remove the fees and restore my credit. I can prove my case with paperwork and recorded phone calls. The company is Seterus , Inc .
Product: Credit card

After receiving several offers for credit card from southwest chase credit card. I called one day to inquire about the card. I spoke with a woman, she told me about the card, and as an incentive to become a customer she said that the annual fee of XXXX would be waived. After hearing that I applied and was approved for credit. I got my card in the mail, and activated it, got the app and check balance periodically. Today, I checked my balance on my app. I noticed the annual fee was charged to my account. Which I figured was a mistake on there end. So, I call and speak with a CSR, a guy who I should have gotton his name, was not helpful and was VERY unprofessional. His tone of voice was absolutely despicable. I felt as I was his child he was reprimanding. I told him about the fee and he continue to say you didnt see what was being said when you applied, it said that, we dont do that. No customer or any human being or XXXX an animal should be spoke to like that. He needs to be retrained. I asked to speak to a Supervisor, which she was not helpful at all. She acted as she looked into and did not see anything. I felt if she would have did some digging then she would have been able to assist me. I felt as she did not want to help me and I was a bother to her. Being a new customer and being treated as I was, this leaves a bad taste in my mouth and have me wishing I would have never got an account with SouthWest Chase. I wish I can close this account but I can not, I got a hit on my credit getting the card and if I close it so soon, it will be bad on my credit. I feel stuck and no way out. I will warn others and inform people of my experience, so others wont get trapped like I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX : XXXX /XXXX  XXXX : XXXX 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company agreed to remove this account from my credit report when I opened a new account with them in XX/XX/2019. The new account is currently opened and has had excellent reporting since being opened but this charged off account is still reflecting on my credit report after they agreed to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XXXX Balance : XXXX and XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX I called XXXX about removing a hard inquiry that doesnt belong to me and the representative hung up on me due to being unable to find my information.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX XXXXXXXX  XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have concerns about two accounts I noticed on my credit report. 

Account under name THD/CBNA opened XX/XX/XXXX and currently closed as a charged off. I have reached out to the company directly and I was not given any information on how account was opened. It has currently reached over 30 Days into the investigation and I have not received any results from the investigation. Amount reported on account is XXXX. 

Account under name XXXX XXXX  XXXX opened XX/XX/XXXX and currently closed as a charge off. It has been over 30 days of being investigated and I have called them directly and I haven't been given any information. I was told they no longer have the account. Amount reported on account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are legally required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate or outdated information. Additionally, under XXXX XXXX. XXXX XXXX XXXX XXXX data furnishers like XXXX must ensure that any reported information is accurate, complete, and verifiable. If they fail to do so, they are obligated to delete or correct the information. Despite my previous dispute and XXXX removal of this account, XXXX and XXXX continue to report itraising serious concerns about compliance with federal law. This failure to update or remove unverified information is not only unfair but also a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all 3 major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX XXXX for XXXX XXXX XXXX has many inaccuracies. 
These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 
XXXX and Equifax are reporting a different account number from XXXX. XXXX and Equifax are reporting a high balance of {$1500.00} and XXXX is reporting a high balance of {$1500.00} which is different from the other 2 Credit Bureaus. XXXX is reporting date of last activity of XX/XX/XXXX, Equifax is reporting a date of last activity of XX/XX/XXXX and XXXX is reporting a date of last activity of XX/XX/XXXX all dates different each bureau. XXXX and Equifax is reporting balance owed of {$1600.00} and XXXX is reporting balance owed of {$1600.00} and balance owed is higher than the high balance amount. XXXX and Equifax are reporting on account status as closed and XXXX is reporting account status as open. Also a collection account can not be listed as an open account. 

XXXX XXXX XXXX XXXX Equifax Account # : -- XXXX XXXX High Balance : -- {$1500.00} {$1500.00} Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX XX/XX/XXXX Date Reported : -- XX/XX/XXXX XX/XX/XXXX Date Opened : -- XX/XX/XXXX XX/XX/XXXX Balance Owed : -- {$1600.00} {$1600.00} Closed Date : -- -- -- Account Rating : -- Derogatory Derogatory Account Description : -- Joint Joint Dispute Status : -- Account not disputed Account disputed Creditor Type : -- Other Collection Agencies Other Collection Agencies Account Status : -- Closed Closed Payment Status : -- Collection/Chargeoff Collection/Chargeoff Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
Consumer disputes thisaccount information Subject has not satisfieddebt. 
Original Creditor : -- XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : -- {$0.00} {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : XXXX -- -- High Balance : {$1500.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1600.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Joint -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- -- Original Creditor : XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type :
Product: Credit card or prepaid card

I applied for a credit card. The credit card got approved. The bank tells me on the phone they don't have my phone number in their system. It is a requirement to have a valid US phone number to apply and get approved for a credit card. You people approved my credit card without even having a phone number in my account? How did you manage to do that because that is very sketchy and fraudulent on your end!? 

I was trying to get a manager on the phone but the operators were all reluctant to let me speak to a manager. They just won't let me speak to their manager, in case I complain against them. Then finally one manager said he can't do anything about it, because he has no access to nothing not even my account ; that was a complete disservice. The second manager says he doesn't know. No one knows why my phone number is missing from my account!? 

I spoke with an operator from your fraud department who asked me a series of questions but that soon went down to harassing me on the phone. She asks for my date of birth, I give her my date of birth. Then she asks what's my age? What kind of harassment is this!? Either that uneducated operator does not know how to calculate someone's age or she just had the intention to harass me on the phone, I beleive the later is true unless you hire grade XXXX students to work for your bank who doesn't know how to calculate someone's age.
Product: Debt collection

Hello Im XXXX XXXX i recently tried to resolved this issue on my account I purchased a XXXX XXXX on XX/XX/22 From XXXX ever since then I have had a charged for a XXXX  XXXX for the same day of my purchase on my credit report I have proof that I purchased my XXXX XXXX but I never bought a XXXX  I need this inaccurate info removed from my account please
Product: Checking or savings account

I have been a loyal Bank of America customer for over 20 years. I transacted a withdrawal on my account for the wrong account. The money was in my saving instead is checking. The bank charges XXXX. Usually the account will tell you there not enough in the account. I called the bank and they were unwilling to assist. I never opt in to have my account overdrawn not have I ever agreed to this.
Product: Debt collection

I have full documentation including a certified letter from TD Auto Finance that my account was paid in full and closed for a auto loan. I also have a signed title in hand from them. 

I called them multiple times to ensure my auto loan payoff quote was accurate and the money sent was processed accordingly. They ensured me it was. Once the account was paid and closed they called me 30 days later saying they " misapplied '' funds and that I owe them {$12000.00} still. 

I told them I would not send them anymore money as i have all documents showing where money was paid and letter of confirmation from them along with the recorded multiple phone calls to ensure accuracy. 

Unfortunately they were wrong and made their own mistakes that they are responsible for not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive removed the same fraud alert almost seven times with all bearues now and experian continues to keep this on my profile even after me sending the requested documentation that was asked from me including my social security card and copy of my id ( state issued ) this issue still persist with no avail