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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX  # XXXX, XXXX XXXX  XXXX, XXXX # XXXX 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 an 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

When I recently viewed my Equifax credit report, I noticed a hard pull of my credit by XXXX XXXX on XXXX XXXX, 2016. This negatively impacted my credit score and I did not authorize this credit pull. This may have been the result of someone applying for a XXXX card with my personal information. I want this removed from my credit history. This is the contact info for XXXX XXXX indicated on my report : XXXX XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

XX/XX/XXXX Dear Sir or Madame, I am requesting guidance on how to hold a collection agency and two billing companies accountable for damaging my credit score by purposefully and maliciously, submitting a debt I did not owe to the credit bureaus as a charge -off. This was done knowingly during my protected dispute period., as I was trying to get documentation to resolve the issue. Here are the facts : 1 ) I received a bill from XXXX XXXX XXXX XXXX XXXX, P.O. Box XXXX, XXXX, PA XXXX for {$250.00} for services rendered for an in-network procedure completed in XX/XX/XXXX. 
2 ) I called them to request more documentation as I should not have had a balance after my co-pay, as my deductible was met. They said they had no records and to contact XXXX at XXXX XXXX  At XXXX. XXXX said he could not help as he had no records as the billing company was sold. 
2 ) I then disputed the debt in writing within 14 days of receipt of the bill requesting further documentation. I received none. ( I have written to all parties every 30-days to support my obligation under the law. ) 3 ) I called XXXX XXXX  my health insurance carrier and they told XXXX XXXX XXXX XXXX to put collections on hold, because it was in the process of being paid by the carrier. XXXX XXXX XXXX ignored this and referred the alleged debt to Associated Credit Services , Inc., P.O. Box XXXX, XXXX, MA XXXX. I immediately sent a written dispute which is included. 
4 ) Along with that dispute I included a check for {$26.00} as a good faith payment only toward any balance documented in the meantime. This was done to show good faith to prevent the matter from going into collections. 
5 ) They cashed my check and did not respond in writing or by phone as requested. 
6 ) Today, I called XXXX and spoke with XXXX who reported that I was mistakenly balance-billed and never owed anything other than the co-pay I made at the time of service. 
7 ) XXXX can be contacted at XXXX option # 2, referencing interaction number XXXX and she could document that there never was a debt. I explained this to all parties and provided her contact information. It was ignored and not pursued. 
8 ) Today XX/XX/XXXX, I called Associated Credit Services , Inc. and reached XXXX XXXX who reported the could not remove the charge-off collection from any of the credit bureaus. I asked why they pursued it during my dispute period within which I had disputed it in writing. He said they never received a letter which is false, as they cashed my check. 
9 ) The false entry to the credit bureaus has caused me damage because they were illegally made during the protected dispute period, violating my federal rights. My credit score dropped XXXX points 10 ) This had an effect on interest rates on current debts and constricted my access to credit based on my previously XXXX score. 
These companies have recklessly and wantonly trampled on my Federal rights and must be held responsible. 
Respectfully,
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I applied for an XXXX XXXX credit card. XXXX XXXX sent me an adverse action notice ( which I am attaching ) stating they denied my application based on an Experian credit report from XX/XX/2024. The denial cited a XXXX score of XXXX and listed several negative factors including recent delinquencies, multiple delinquent accounts, too many inquiries, and high revolving balances. 
However, my actual Experian credit report from XX/XX/2024 ( which I am also attaching ) shows completely different information : XXXX score of XXXX No delinquencies No collections No inquiries Only 7 % credit utilization on {$120000.00} total credit limit When I contacted Experian about this discrepancy, they stated they can not provide the historical report they shared with XXXX XXXX. 

XXXX XXXX directs me to Experian, creating a circular situation where neither company will show me the exact report used for this decision.
Product: Checking or savings account

I have had a chime acct for 10 years with direct deposit in excess of XXXX dollars monthly and I have both a chime checking debit card and credit card which I use at least XXXX times monthly. They have a spot me option for all customers. They have been advertising for months now that if you open an acct you will get a spot me if XXXX dollars. They require you to have XXXX in direct deposit monthly and to use chime card. I have never in XXXX years been allowed more than XXXX dollars and I've asked them over a dozen times why am I not given the same XXXX they offer everyone. There only excuse is to say that it's computer generated and they have no control who gets it. This is plain deceitful marketing practices. I am enclosing a chat with them that went on for XXXX days XXXX emails and they still refuse to acknowledge there promise
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, at XXXX XXXX  ( Arizona time ), I received two emails from Coinbase.com stating that I had transferred virtually all of my Bitcoin ( BTC ) and Ethereum ( ETH ) to unknown wallets. I did not authorize these transactions, and have since learned from Coinbase that someone without my knowledge or authorization installed an API in my account, which they used to access my account and perform these fraudulent withdrawals. 

I also learned that Coinbase hides this activity from me in the activity log in my account so that I did not know, and could not have known, when the thief or thieves accessed my account. It appears that the API Coinbase allowed to be installed also bypasses all of my chosen security measures, including 2-factor authentication to log into my account and 2-factor authentication to withdraw or transfer funds.

At the time of this theft, my XXXX BTC was worth {$11000.00} and my XXXX ETH was worth {$8300.00} ( a little over {$13000.00} today ) There were also transaction fees associated with these transfers that were paid from my Coinbase account. 

The emails I received said : Congratulations! You have successfully sent XXXX BTC to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX BTC ( {$1.00} USD ) in network fees. 
Congratulations! You have successfully sent XXXX ETH to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX ETH ( {$16.00} USD ) in network fees. 

I filed a complaint at ic3.gov, and have not heard anything at all. I filed a complaint with the Arizona Attorney General 's Office, and they were able to get Coinbase to provide some limited information about the API that was fraudulently installed, but Coinbase has since refused to provide any additional information, including whether or not the addresses above to which my funds were sent were associated with a Coinbase or other XXXX  account that could be traced to the owner. 

If the CFPB could require Coinbase to provide additional information about the theft, including the question above, as well as the dates/times/IP addresses that were used to access my account via the fraudulently installed API, I would greatly appreciate it.
Product: Credit card or prepaid card

I was looking to increase the credit limit on my existing card with TD Bank. The existing limit was {$5000.00}. I called the customer service line and found that I could either request a limit increase that would take 7-10 business days or I could go to the local branch and apply for a second card, which would be returned the same day. With the second card, I could then merge the original card and the new one, returning to one total card. Also, the new card had better rewards, 2 % on all transactions, whereas my original card is 3 % restaurants, 2 % groceries, and 1 % everything else, or something like that. With this information, I went to the local branch on XX/XX/22. After speaking with both the rep in the bank and one on the phone, I apply and get the new card with a {$15000.00} credit limit. After I'm handed the card, I'm told that I will need to have a qualifying deposit account with the bank in order to get the full 2 % back, or I'll only qualify for 1 % back. I was not read the disclosure that provides this information prior to the card being issued. I don't want a checking/savings account with TD Bank XXXX I have each with XXXX and their interest rates are MUCH better. If I would have known that I had to open another account with TD Bank to get the 2 %, I wouldn't have gotten the card. I've called both their card services number as well as the branch and they each point to each other as responsible. At this point, I'm very frustrated with TD Bank. I have been told now they they can not merge the two cards together and keep the older, I can only do that merge if I keep the newer one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that EXPERIAN verified the accounts they are reporting are accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please have the company provide the following : o The description of the procedure used to determine the accuracy and completeness of the information. 

o The name, address, and telephone number of each person contacted regarding this alleged account. 

o A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 

I am requesting a re-investigation along with their method of verification. The items in question are inaccurate and represent a very serious reporting error. They are listed below. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. In accordance with the Fair Credit Reporting act. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX BANK, 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 an 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 or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXXXXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.|
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation & REMOVE these accounts from my consumer report. This complaint is in reference to the accounts below that are currently still reporting inaccurate on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

paid my capital one credit card bill in full but they keep declining my business partner XXXX XXXX card for every transaction. I took time out my day to call and waste hours on the phone. They said it was because new cards were ordered at first. Its been days later and they are still doing what they did at first. Anytime he pays for something online they cancel the transaction after its paid and he gets alerts from companies saying his credit card company flagged him for fraud. The first time this happened was at XXXX for a company phone case so he didnt break his XXXX, which he ended up breaking the XXXXXXXX XXXX because of capital one. Now his phone messed up which cost another XXXX  to replace. Then after that he tried buying a chest ( deep ) freezer. Due to news reports of Coronavirus food shortages. We have XXXX kids together and we were trying to ensure our family didnt run out of food. That was the second time the blocked his card and when I called. We ended up missing out on the deep freezer and pre ordered one that wont come in XXXX. I pray the country dont run out of food due to cap one taking most of our money during a shutdown then refusing to let us spend the balance we paid ( we can afford food, but dont have the space to store extra just in case due to their actions ). After this my daughters dad / business partner ordered a item for {$170.00}. Once again capital one voids the transaction and canceled it. Im tired of them doing this so Im about to file complaints with every agency against their bank. If they continue I will sue them in court. Im not asking ur agency to be my lawyer, I need a mediator so their XXXX representatives dont keep having me on hold hours asking the same stupid questions wasting my time and life I cant get back. This bank capital one are thieves. They still time out your life you cant get back and I want it corrected at the executive level with my account of Ill have a federal judge force them to stop. This is regarding the spark card from cap one.
Product: Vehicle loan or lease

2022 I got a brand new XXXX XXXX XXXX truck from the dealership and about 5 days later that truck got stolen. My insurance company and gap paid off the truck to my lender. Now my lender is charging me for the truck thats been paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is reporting late and paid it was never late account XXXX XXXX account number XXXX
Product: Money transfer, virtual currency, or money service

I made TWO TRANSFERS to my account in another country and the money never arrived. First the company tells me that there was a typo in my account number, a second attendant told me that there was no mistake and that everything was fine, but they did not know the reason why the money did not reach my destination account. I contacted the company three times to resolve and each time I stayed in the queue for more than 12 hours. I was promised to investigate the case and return in 24 hours. That was 5 days ago.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Crtfd Crdt showed up on my XXXX  as an inquiry on XX/XX/2020. 

I have not applied to open a credit card recently nor have I applied for a mortgage. Somebody pulled my credit without my permission. I have no clue who this could be.
Product: Credit reporting or other personal consumer reports

I humbly assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related statutes, including 15 USC 6801 and 12 CFR 1016.7. It is imperative to ensure that consumer reporting agencies, such as XXXX and Experian, operate with fairness, impartiality, and respect for my privacy rights, as outlined in 15 USC 1681 section 602 ( a ). Additionally, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer, which I have not provided. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions, including furnishers of information to credit agencies, must disclose to consumers how they can exercise their nondisclosure option, which has not been done in my case. The reporting of adverse information without my consent, as per 15 USC 1681C ( a ) ( 5 ), and the furnishing of inaccurate information, as prohibited by 15 U.S. Code 1681s2 ( A ) ( 1 ), are clear violations of the law. XXXX, Experian, XXXX, and all relevant entities must uphold their obligations under these statutes.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRUADULENT ACCOUNT IN MY NAME : JPCMB CARD SERVICES # XXXX OPENED : XX/XX/2015 AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT.
Product: Credit card or prepaid card

We filed a dispute with wells fargo on a charge the was fraud. We didnt open the account when I stated tha t Wells farg o aid since there ws a charge already placed on the account it will not be considred a fake account. I filed the dispute on  XX/XX/XXXX  they sent me a letter on  XX/XX/XXXX  stating they do considr the dispute fraud and charged the account back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.