23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My husband has XXXX because of cost of XXXX we were forced into chapter XXXX Navient did not notify us that they refused the BK court ruling until XX/XX/2016. We contacted them they said we could pay {$50.00} to defer payments for 3 months to give us an opportunity to resolve the issue. XXXX 's credit report shows paid in XX/XX/XXXX then XX/XX/XXXX 60 days late??? So after a BK showing a late payment ( which I have sent them ALL supporting credit reports ) we have no chance to purchase a car, home or anything else. They refuse to correct their mistake on our credit. We were not late and the minute we were notified we contacted them and paid the fee to defer for 3 months. We would just ask that Navient removes the 60 day late off of Our credit as this is an error on their part. Obviously if we were current in XX/XX/XXXX we could n't be 60 days late XX/XX/XXXX. Please help us remove this from our credit! My husband has XXXX. He has been so worried about this. We only want them to report it fairly. Thank you so much I pray you can help us.
Product: Credit card or prepaid card

OnXX/XX/2019I logged onto my online account with Direct Express Debit Card/Comerica Bank and noticed 2 debit reversals on XX/XX/XXXX of {$89.00} totaling {$170.00} so I called Direct Express and ask why my account was debited today. After waiting on hold for almost 2 hours I spoke with XXXX from the company and she said they took the provisional credit that they gave me in XX/XX/2019 back. I told her I need the money back in my account cause they cant just take money out of my account without notifying me and if they did finish investigating my dispute I havent received any type of notice from them. She then told me my dispute that I filed in XX/XX/XXXXis still pending, they have up to 90 days to complete the investigation, and while they investigate they can debit the account for the amount of provisional credit at anytime without notifying me. 
This company just waited until funds were loaded to my card and then debited my account.
Product: Money transfer, virtual currency, or money service

I have been locked out of my Coinbase account since XX/XX/XXXX. The reason being Coinbase will not accept the codes ( XXXX ) my Authenticator app is generating. 

I 've tried verifying my ID with Coinbase since then, following instructions and all troubleshooting tips but my ID verification will not pass through their website. On the same day, I emailed customer support for help and asked if I can email documents, pictures and IDs to confirm my identity. I even asked them to change the XXXX to my cell phone number so that I can regain access to my account. 

No actions have been taken by the company except to provide troubleshooting tips and an email on XXXX XXXX to say they 're working on the matter. 

It has been 2 weeks since I 've lost access to my acccount. I 've tried reaching out for a follow up on the XXXX, XXXX, XXXX and the XXXX. All follow ups have been ignored.
Product: Credit reporting

I have an account on my credit report that has been on my credit report goin on 10 years. I called Equifax to have this item removed because of the amount of time on my report exceeds the 9 year requirement. I have had it removed from XXXX without any issues, and Equifax refuses to help me in anyway. I just do n't understand how a company that has so much control over our finances can be so inconsiderate to XXXX an important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : 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 Account # 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: Money transfer, virtual currency, or money service

I purchased a authentic  XXXX   XXXX  on  XXXX   XXXX  and when it arrived I asked my friend who inspects bags to see if they 're authentic or not and he said the bag I have purchased is not authentic. So then I contacted the seller to see if he had proof showing that the bag is real, he responded and said yes that he 'll send proof but he never did, so then I contacte d PayPal and opened a dispute with the seller, after that the seller responded and said that I received what I purchased so PayPal ended the case in his favor, then I appealed it and I lost again so I reappealed the case and it was ended in his favor again. Also the seller never told me that the bags zipper has thread comming out.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am being taken advantage of as a consumer by Equifax. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Product: Debt collection

I contacted FirstPoint to advise them I was not the owner of these accounts ; they could not even properly verify my identity or and personal information such as my contact number or date of birth an address can easily be found. If You feel I obtained goods or services Please have a senior executive from your company certify under the penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Failure to comply to request 15 U.S 1681o Civil liability for negligent noncompliance ( a ) In general any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case if any successful action to enforce liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX purchased my mortgage from XXXX XXXX XXXX XXXX XXXX XXXX AKA? XXXX. Bank neglected to transfer the auto pay information to take funds to pay mortgage monthly automatically as has been done for over XXXX years perfectly and on time. They then mistakenly send statements and delinquent notices to the property address which was on file as being changed years previously and the original bank had changed. Once the new bank called they immediately ACH the fund and brought the loan to current status as it has always been. They then reported that the account was 30 60 90 days late which is inaccurate and untrue as it was the banks error and should not be reported as late on my credit report. Each and every other over twenty accounts are paid on time and have a perfect history for the entire reporting period.
Product: Mortgage

Planet home l ending steals ppls escrows. Plus I got qualified for a lower rate but yet they want me to make a triple payment every month. Uncalled for. I called them tody. Got round about answer. I talked to VA home loans they are upset at this company. I tried to email the CEO XXXX XXXX but no response I emailed XXXX XXXX (? ) president but no response When u call planet home lending. There representatives lie
Product: Credit card

The credit card issuer, American Express, did not honor their acquisition reward.
Product: Credit card

I am filing a complaint about Synchrony Bank. On XXXX/XXXX/16 I sent an email cancelling my amazon.com store credit card. Synchrony Bank supplies credit for amazon.com. The email address was found on an email from Synchrony Bank. I supplied my name, the last XXXX digits of my acct, the name of the card, and the reason for cancelling my acct. I also contracted to pay the remaining balance on Wed., XXXX XXXX when I received my social security benefits. I received no reply - no message about the correct way to cancell, no correction to email address, nothing about who I should contact. No message from customer service offering to assist me. No message saying I had to pay prior to the XXXX anyway - I would have gone without my XXXX medication to pay them. I know that the email was received - no error message, no returned emails, etc. After numerous attempts to contact the bank at both the statements and customer service depts ( XXXX, XXXX, XXXX, XXXX, etc ) on XXXX XXXX I went online and found that my acct had not be cancelled and a late fee had been added. I want my amazon.com store credit card acct cancelled. I want the past due charge of {$25.00} dropped. And, I want a guarantee that I will receive no further past due charges while in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax XXXX XXXX, and XXXX XXXX and XXXX XXXX, and XXXX and XXXX XXXX all of which had disputes filed paperwork submitted proof shown where I had paid the company in full XXXX Equifax stated they could not see where I did. also another dispute they was not closing that was opened on my account was XXXX XXXX it was opened in XXXX I was born XXXX XXXX how that is possible is beyond me.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin XXXX XXXX XXXXg was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 XXXX  XXXX  15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My account was charged {$930.00} on XX/XX/year>. 
The charge was made in XXXX, XXXX. 
I have never been to XXXX, XXXX. 
I notified the credit card company and they stated that I made the charge. 
I re-submitted my dispute via Certified Mail requesting proof of purchase and they emailed me that they had re-opened the investigation. That was 30 days ago and no proof of purchase has been provided or communication received. The charge remains on my account and they are now charging interest thereon. 
The charge identifies a company that XXXX XXXX XXXX shows to be a commercial wholesaler. Clearly not a company making sales to foreign individuals. 
Essentially, my complaint rests on my belief that I should not be liable for unrecognized purchases for which proof of purchase can not be provided.
Product: Debt collection

Jefferson Capital System harassed me repeatedly by calling incessantly, showing up at my parents house, my old roommates house, and calling my sister. I have ring camera footage and people willing to testify in court that this happened. It honestly started to scare me. I do not feel safe engaging with this company at all, and what they have been doing is absolutely against the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Company/Date- 700 Credit XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Company/DateXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The company 's listed above, I noticed unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this letter as a natural person to request the removal of a XXXX late payment from my consumer reports or the deletion of the account from XXXX XXXX XXXX XXXX accordance with my rights under 15 U.S. Code 1681a. 

On XX/XX/year>, I traded in a vehicle at a car dealership. However, unbeknownst to me, the dealership failed to pay off the trade-in at that time. As a result, there was a reported XXXX late payment on my credit report. I would like to emphasize that this late payment was not a result of my failure to make a payment on time, but rather a consequence of the dealership 's failure to fulfill their obligations. 

I have diligently worked to maintain a good credit rating and have since paid off my account with XXXX XXXX in full. It is unfair and unjust for my credit rating to suffer due to circumstances beyond my control. I believe that it is the responsibility of data furnishers, such as XXXX XXXX, to accurately report information that reflects the consumer 's creditworthiness. 

I kindly request that the XXXX late payment be removed from my credit reports or that the account with XXXX XXXX be deleted to rectify this inaccurate reporting. I appreciate your attention to this matter and thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I brought to the credit report agencies attention that my information was being improperly reported by several closed accounts or unwarranted accounts and several inquiries. A violation of several XXXX laws as well as the IRS 's authority through the form XXXX. This report will play as added evidence for future arbitrary and punitive damages caused by these violations.
Product: Credit reporting or other personal consumer reports

XXXX I made two payments of {$500.00} to XXXX XXXX XXXX  and was told I would not be 30 days past due when I made the two installments in a agreement I was so afraid I called back and was told again I wouldnt be delinquent reasoning being because Ive never been delinquent and thats important to me and to my credit score and my livelihood for my family and I. XXXX employees told me false information and reported it & made my credit drop XXXX points. Thats devastating. Then these three Credit credit bureaus XXXX XXXX, Trans Union have reported false information and or reported ND instead of changing my report to current status and removing negative information. Please investigate all parties involved XXXX XXXX XXXX XXXXXXXX, Trans Union
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Request Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to cease and desist any further unlawful activities concerning my [ credit report, financial account, or the issue at hand ]. This letter serves as an official notice of my intention to stop such actions, which I believe are in violation of [ Fair Credit Reporting Act ( FCRA section 607, 611, 615, 605 and 611 ].

Specifically, I am requesting the following : 1. The reporting of incorrect and misleading information after requesting an investigation by certified mail.

2. I request for removal of erroneous information, cessation of unwanted communication.

As per the Fair Credit Reporting Act and other relevant financial protection laws, I have the right to dispute any inaccuracies and request a halt to any activities that are inconsistent with those rights. I expect that the CFPB will act in accordance with these laws to ensure that my rights are fully protected and upheld.

Please acknowledge receipt of this letter and confirm that corrective action will be taken immediately.

I trust that this issue will be resolved in a prompt and professional manner. Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX  XXXX, Account name : # XXXX with XXXX XXXX XXXX XXXX, Account name : # XXXX with XXXX XXXX, Account name : # XXXX with XXXX, and Account name : # XXXX with XXXX. However, they stated everything was complete and accurate. XXXXThis can not be possible when multiple pieces of information is incorrect, including the open date, date of last activity and status of account. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly, but have failed to do so.

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 card

On XX/XX/2024 I was offered a 0 % Balance Transfer offer by Citi Bank Costco. I did a Balance Transfer of {$5400.00} via phone on XX/XX/2024. I called Citi Bank later in the month to see about making dedicated payments to the Balance Transfer amount and was told that there would only be a 1 % credit each month until I paid my existing balance of {$10000.00}. off. I was never made aware that the Balance Transfer amount of {$5400.00} was being added to my existing Costco balance and that I had to pay my Costco Balance off before I could make any headway on my Balance Transfer amount. I have utilized many 0 % cards to assist in paying down debt and feel like this is only adding to my stress and potential inability to pay my debts. Had I known this was the stipulation I would NOT have accepted this offer!
Product: Credit card or prepaid card

I ordered an item off Costco.com with my Costco Citi ( surprisingly known as the best card, my foot ) on XX/XX/XXXX. Costco apparently ran out of the item before shipping the product, so they never shipped it and cancelled it XX/XX/XXXX ( after I called to confirm delivery date, they didnt have the courtesy to call or email me about cancellation. 

The payment was showing pending even a few days after so I filed a dispute on the pending charge, hopefully for it to escalate. I called Costco and they said the bank is holding the money. Called Citi bank and theyre saying Costco is holding. Theyre saying that its gon na take 30 days for it to come off or the transaction has to go through on the account. How will the payment go through if the order is cancelled and the vendor doesnt have the merchandise? I tried to see if there is any way to escalate by showing them ( citi bank ) proof of cancellation and they said no. 

Ive been on the phone for the last 2 hours back and forth. Now theyre holding XXXX dollars on my card which only has a XXXX credit limit. I cant afford to buy any XXXX presents. Now I have to wait 30 days for this. This is ridiculous.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding the fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or permission, causing considerable XXXX. As a victim of identity theft, I've taken immediate steps to report this incident. This situation requires urgent attention due to its severe impact on my financial status and personal standing. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I stand ready to provide any necessary evidence and, if needed, initiate legal proceedings to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Product: Debt collection

Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. It is frustrating that these inaccurate reporting were severely damaging my financial standing and creditworthiness. I wonder what investigation you are doing that these inaccurate late payments keep on tarnishing my credit report. 
I want these accounts to be updated accurately : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX, XXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.