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

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account soon possible
Product: Credit card

On Saturday XXXX XXXX, 2016, I tried to make a payment online to my sister 's credit card and this card is Discover Card. The account number ending in XXXX and I tried a couple of times. It kept on saying something like " Sorry we ca n't process your payment. Please try again at a later time ''. In short, I did n't get a confirmation number that the transaction went through. Yesterday XXXX XXXX, 2016, I called Discover Card customer service cause I saw XXXX transactions from my bank account that was in process for the amount of {$250.00} dollars. I wanted them to reverse XXXX of the payment but they kept on saying that they needed to get approval from my sister cause I was not on the account. Today XXXX XXXX, 2016, my sister and I had a three way call and they would not admit that their online had taken my money without letting me know. Instead, they said that on their end they have a confirmation number and this transaction is legitimate. I told XXXX with ID # XXXX that how can you have a confirmation number and I did n't get one. What I had was a screen that said to try again cause their online was having some trouble. All I wanted for XXXX to do was to reverse XXXX of the XXXX {$250.00} dollars back to my account. She said theirs nothing they can do because as far as she is concerned that they did n't have any problem with their system. I asked her, do you have any note that on Saturday XXXX XXXX, 2016 that your internet was having problems taking payments. She said they did n't have any problem with their internet. I told her that I spoke with XXXX with ID # XXXX who confirmed that on Saturday XXXX XXXX, 2016 had some internet problems and was very sorry that this had happened to me. 
My complaint and want to have done is for Discover Card investigated with this internet transaction that was done on Saturday XXXX XXXX, 2016. I told XXXX that this is a fraudulent act that Discover Card done to me because I was never informed that this transaction ever went through and yet my bank was withdrawn twice for the amount of {$250.00}. I never received any confirmation notice that you normally get after the payment have gone through in the internet. Please investigate this internet transaction because I do n't want any other victims experience the same thing what had happened to me with Discover Card. I want Discover Card be liable of this transaction and be hold accountable.
Product: Money transfer, virtual currency, or money service

Coinbase has not allowed me to access my account for the sake of obtaining tax documents. As my prior three CFPB complaints against Coinbase show in great detail, Coinbase 's other customer service issues forced me to use multiple email addresses, including one email address that no longer exists, to access and ultimately transfer my wealth. 

At this point, all attempts at resetting my password require access to my old email address, per email correspondence with Coinbase and three customer service calls ( two calls on XX/XX/XXXX and one call on XX/XX/XXXX ). I no longer have access to said email address and it can not be reactivated ( it was an old email from college that expired in XXXX ). The representative I talked with on XX/XX/XXXX said there is absolutely nothing she can do to help me access my account and subsequently my tax documents without access to the inactive email address ( which again, I only linked to Coinbase due to a previously filed complaint on erroneous trades ) despite providing all corroborating account information, such as legal name on account and the final four digits of the bank account to which funds were transferred to my Coinbase accounts. 

I'm exhausted from working with Coinbase. They can't service customers in the most basic ways. I have already sold all of my crypto so I no longer have to access the platform moving forward, but I just want my XXXX tax documents to file with the IRS. 

This continues to be an absolute nightmare of customer service.
Product: Credit reporting or other personal consumer reports

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. XXXX  transunioXXXX XXXX XXXX XXXX XXXX
Product: Student loan

Lost my job coming out of college in 2012, so obviously couldn't make many payments on my already predatory loans ( 15.25 %, 11.5 %, 7.25 % ). Asked Sallie Mae if I could refinance or lower monthly payments, they declined abruptly. Said I could go into forbearance to stop payments altogether, but interest would continue to grow. At those interest rates, non-payments would increase the amount of time I would have to make payments significantly.

I entered Forbearance and continues to make as much repayment as I could, but eventually had to go to XXXX  and utilize some of my parents ' assets in order to get a lump sum loan in order to pay off these higher interest loans ( at this point, they were around $ 30k at 15 % when the initial loan amount was somewhere around $ 10k-12K ).

If it weren't for my parents to put assets up for me to get a loan, I would be drowning in student loan debt right now. Not everyone is as lucky as I am, and it saddens me to see a promise of a better life via education be taken advantage of by these greedy companies who pose as someone out there to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3000.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  : {$3000.00} XXXX XXXX XXXX  : {$100.00} XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

Had Gym membership with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX till XXXX. Always have paid in full ( for the entire year ) using Credit Card with explicit understanding that no account information will be carried over or no automatic renewals will be made. Never had issues before. 
Last payment was on XX/XX/XXXX ( paid in full for a year - {$120.00} using credit card ) with end date XX/XX/XXXX, XXXX again with the agreement that membership will be terminated at XX/XX/XXXX. 
Got an email from XXXX XXXX XXXX XXXX ( Debt Collections Agency ) on XX/XX/XXXX stating that I owe {$130.00} due to " missed payments '' and was sent to collections. 
Went to XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX to inquire and was directed to XXXX XXXX XXXX  ( XXXX ) to cancel the account / erroneous charges. 
XXXX XXXX XXXX still have my Account info on file, however, informed me that they're unable to cancel my account/ charges due to having sent to Debt Collections without informing or notifying me. It is highly unethical to try to charge after my gym membership ( for which I had prepaid ) ended on XX/XX/XXXX. And, it is highly unethical of XXXX  XXXX XXXX to send my info to Debt Collections trying to ruin my credit.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX XXXX XXXX XXXX XXXX Ever since then, different student loans, credit cards, and car loans have been showing up on my credit. I have never attended any school nor applied for any loans, nor has my son. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Product: Checking or savings account

I have a fully verified Wells Fargo checking account with a XXXX profile, but I have not been able to receive any payments after over 48 hours of attempts. This person is in my contact list and Im in theirs, and we both have legitimate checking accounts. Weve both called customer service several times to speak with supervisors, and theyve also gone into the branch to verify, but no one can give a clear answer as to whats going on or any possibility of a solution. I was able to send a XXXX to this person today, but they immediately attempted to send something back to me and were getting the same error message. It asks us to wait 4 hours for review, then after the 4 hours it fails every single time. 

This needs to be rectified by Wells Fargo/XXXX immediately . Theres no reason why my XXXX profile is just not functional with a fully verified account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquiries 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 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 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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the most recent CFPB lawsuit highlighted significant issues with the platform.
Product: Debt collection

I called to obtain information about the debt. We negotiated a settlement amount. I told them I needed to pay the amount over time and that I would contact them in two days to move the process further while I looked for ways to raise the funds. During the call they obtained my bank account number. 

They contacted XXXX XXXX and paid the settlement amounts in my name without my consent. I had no agreed to the settlement. They then attempted to charge my bank account for the settled amount in full. The payments were declined by my back and I incurred two overdraft charges. 

I do not know if XXXX XXXX has settled the debt at the amounts they attempted to charge. I have no idea what is going on. There was no structure to the call. It did not follow any of the standard legal procedures or language that I have encountered in other calls like this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute when I realized my credit report had dropped by XXXX points, and during my investigation, came to find my twin sister 's information was listed under my account through TransUnion. It had her name, social, and address listed, with my name listed as " AKA '' and my phone number/address listed as a secondary address. After waiting 30 days, when attempting to check the finalized report on XX/XX/XXXX, TransUnion only had " information unavailable, please call during these times. '' I was unable to access the dispute, nor was I able to create another dispute, considering TransUnion had found the information I disputed to be " factual ''. The first call I made was to find out why I could not access my report, to which I was told to get certain information and send it via mail to regenerate an entirely new report. That would have been the week of XX/XX/XXXX, to which I have not received any reply or confirmation as to the status of this " regeneration ''. My twin sister has not been able to even create an account. I attempted to call TransUnion again over the week of XX/XX/XXXX, and an employee attempted to change the information under my account for me. I was also transferred to another employee for the status of my dispute/regeneration. This employee attempted to create a new account for me. I was disconnected from the second call without the new account information, and received another call today XX/XX/XXXX to which I was unable to take due to working. Now, I am unable to access ANY of my information under my current account, and have no access to the account the employee was attempting to create for me. I have received nothing via mail regarding the regeneration.
Product: Debt collection

I have come to find out that Palisades Collection, LLC XXXX has obtained a judgment against me that I never received notice to dispute, I called the Court and they say it was served to an address that I never resided at? How is this possible?
Product: Credit card or prepaid card

In XX/XX/XXXX, I purchased a one-year subscription for XXXX e-cards for {$5.00}. There was no indication in any of the content presented about a monthly subscription. In fact, in XXXX, I purchased the same e-card subscription for {$5.00}. As I completed the fields for paying for the subscription, I specifically indicated that I did not wish to be auto-billed for anything. I have the receipt that shows " Autobill. No '' Unfortunately, the company auto-billed my AMEX card on the XXXX of the month any way beginning in XX/XX/XXXX through XX/XX/XXXX. Because we are regular customers at XXXX stores, I didn't realize the monthly XXXX charges were by the E-card division, and therefore unauthorized, until XX/XX/XXXX. ( We go to XXXX stores multiple times a month because my daughter with special needs likes to buy balloons from XXXX. ) I attempted to get a refund through my credit card company, AMEX, and could only reverse the XX/XX/XXXX charge. XXXX e-card misrepresented that I gave authorization for the monthly fees and AMEX never requested documentation from me to prove otherwise. My attempts at obtaining a refund directly from the merchant were unsuccessful because, as they represented to AMEX, they felt that it was " understood '' that it was a $ 5 monthly subscription for e-card services, and this they state with no evidence of affirmative approval from me. AMEX says that my responses to their closure of my disputes were untimely ( they notified me by mail ). Of course, they did not factor in the COVID-19 pandemic and the notable slow-down of USPS resulting in longer mail delivery times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX have violated Federal Consumer law.

1. Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting. Reporting inaccurate, erroneous, fraudulent information on my consumer report after given the correct information constitutes your willingness and negligence in breaking the law.

2. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft They have investigated and deleted in the past and reinserted without notice a violation and deletion is admission of error.

3. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance.

Consumer reporting agencies have the vital and grave role solely report infact they must correct or delete any and all inaccurate, incomplete, fraudulent or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681c-2 Block of information resulting form Identity theft within 4 calendar days and the above CRA 's are in thorough violation of that and I am seeking damages due to defamation of character liable and denial of credit due to their negligence and willful noncompliance with the below evidence that is attached below. 
The Credit Reporting agencies provide dark web monitoring services and are privy to the personal data and account information that have been compromised by thieves however remained willfully noncompliant in removal of the fraud without cause, causing severe emotional and physical distress loss of creditability, creditworthiness an inability to extend credit and multiple counts of violations pursuant to 15 USC 1692 ( e ) ( F ) in which I am demanding immediate restitution from each individual Consumer Reporting Agency in addition seeking immediate removal and permanent correction of all the fraudulent, late and erroneous data that they have continuously been reporting despite verifiable evidence of otherwise and that as the consumer the transactions where not consented by my authority and therefore they have no permissible purpose in reporting any debt that I the original creditor have not validated as Pursuant to 15USC1692h.
Product: Credit card

Discover offered a promotion of XXXX miles per dollar when using XXXX Pay to pay for transactions, up to {$10000.00}, until XXXX/XXXX/15 ( doubled after one year ). I applied for the card and paid {$650.00} for an iPhone exclusively to take advantage of the promotion. Discover then altered the terms of the promotion and excluded gift cards. 
Discover needs to honor the initial terms of the promotion and give me the miles I am owed ( over XXXX ).
Product: Credit card or prepaid card

I received a USBank Reliacard on ~XX/XX/2020. I activated the card, thinking it was a replacement corporate card from my employer. I called the number on the back of the card and cancelled the account, once I learned it was for unemployment. I never requested the card. I emailed my HR department to verify they didn't request it on my behalf ; they didn't. I received another USBank Reliacard ~ XX/XX/2020. I didn't request that one either. Who is sending me these cards? Do they have my personal information to get these sent to me? I tried calling again, but the recording at the phone number on the back of the card is asking for my COMPLETE SSN, card number, address, etc.so I hang up as I think this is some sort of scam. Please help.
Product: Mortgage

We received a letter dated XXXX, 2015 that the buyers of our property were pre-approved for credit with Pacific Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( XXXX ) XXXX. 
The buyers XXXX XXXX XXXX XXXX agreed to purchase our home, and we went into a 60 day escrow, starting XXXX XXXX, 2015. At the end of escrow, we were informed that they did not qualify to purchase. We moved thinking escrow was over in XXXX, which our realtor XXXX XXXX XXXX said they had heard nothing, that the escrow was going as planned. The buyers are now backed out, and are not paying the EMD deposit of {$3500.00} to us. We now have to pay all the bills for XXXX places, which is unfair. XXXX Home Loans should have let us know before escrow ended. We would not have had to move so soon. 
The property address that they were purchasing is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are still trying to sell the home. We would like to file a complaint against XXXX XXXX XXXX & request they pay us the {$3500.00} that was due to us. If not, we will be forced to file a court case. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX )
Product: Debt collection

On XX/XX/19, a representative from this company told me that failure to remit payment of {$1000.00} immediately would result in my credit score dropping up to 100 points and inferred that I wouldnt be able to get student loans next year because an unpaid debt was on my credit report.
Product: Debt collection

It has been many months, can't remember exactly which date, I found out my credit was damaged in this spring, and realized there was {$810.00} non-payment rent ( it is the fee the landlord trying to charge for the cleaning, I had non-refundable deposit with them, so when I move out I didn't give the previous landlord my new address ). 

then, I asked my attorney friend to call the debt collector company in 3-way call, we told the debt collector that we didn't even see any bill or notice, and the debt collector told my attorney that they called me one time ( I can't remember or I might took it as scam ), my attorney told them that they have to send me a " 30 days notice letter '', they said they just give a call was how they do all the time. My attorney asked them to remove this and send me the '' 30 days notice '' letter, they refused, they requested me to pay first otherwise won't remove my record. 

then, I tried to dispute this with 3 Credit Bureaus many times, again and again, told them what happened, asked them to remove, but didn't work out.