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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the account below Has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681 XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 USC 1682 section 602.A States I have right to privacy 15 USC section 604 A.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 writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made XXXX  attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open accounts and request corrections. Follow-up communication was initiated to inquire about the status of the correction process. Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays. XXXX  attempts were made to escalate the matter within your organization, seeking a more expedited resolution. Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timelyand satisfactory resolution to be implemented to rectify the inaccuracies in my records.Please help me correct the following accounts : XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that I encountered because of incorrect credit report information and this is another request to remove the items from my credit file resulting from an inaccurate credit report data. Ive already included this issue in my previous letter and FTC report & I am including it again. Also, the information you provided on these items are unrecognizable for me and was REMOVED from other bureaus and I have doubts about their accuracy : Experian XXXXXXXX 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 Balance : {$400.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in the event of your willful noncompliance. Thank you for your time and prompt attention to this serious issue.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The mortgage on my residence has been serviced by XXXX XXXX  since XX/XX/XXXX. Since that time, all payments have been made on time, and there has been no default of the loan. 

On XX/XX/XXXX the comaker on my mortgage filed a XXXX  XXXX bankruptcy case. Payments have continued to be paid on time. On XX/XX/XXXX XXXX Bank generated a letter that I received advising that negative information was provided to the credit reporting agencies. Within the next month, each of the credit reporting agencies reported that my mortgage was paid and there was no longer a balance due for the account. This was far from the actual facts. I have contacted XXXX and was directed to a representative that handled accounts that were involved in a bankruptcy. I was advised the even though I was not involved in the bankruptcy that the account for their purposes was coded as in bankruptcy. Furthermore, I inquired about having accurate information reported to the credit bureau agencies with regard to the credit report. Additionally, I was advised that they would not report updated information until a time that the comaker on the loan had completed their payment plan. The mortgage is not XXXX of the accounts that is being paid within the XXXX  XXXX plan. 

After that time, I filed disputes with each of the credit bureau agencies concerning the information reported by XXXX XXXX. After the investigation by Trans Union, they deleted the account from the bureau. I called Trans Union and the representative advised they could not help, and I would need to have XXXX XXXX  report information to have the account listed on my bureau. XXXX conducted a review of my dispute, but at the end of the investigation did not update any information. The same was the case with XXXX. 

By XXXX XXXX  not reporting information on my mortgage to the credit reporting agencies, this has resulted in my credit score decreasing by approximately XXXX points.
Product: Checking or savings account

A unauthorized transaction through XXXX  in XX/XX/2021. Contacted pnc bank multiple times open multiple disputes tried contacting through phone mail and email and I'm constantly being ignored. None of the reps know what's they're talking about being lied to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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: Debt collection

The case was taken to mediation on XX/XX/XXXX and Defendant failed to appear. The case was dismissed per mediators. The Defendant hired another attorney who petitioned the courst several times for judgement. 

The courts original dismissal granted on or about XX/XX/XXXX entered in mediation by which defendant representative failed to appear at the mediation hearing on or about XX/XX/XXXX XXXX at which the plaintiff did appear in good faith with intent to mediate. The court sent a notice of dismissal of law suit to defendants and its counsel on or about XX/XX/XXXX. 

The court denied defendants motion for summary judgement on or about XX/XX/XXXX, and the courts second notice of dismissal to the defendants and its counsel on or about XX/XX/XXXX. On XXXX XXXX XXXX somehow the legal firm was able to overturn the dismissal without my ability to defend or have the court stand by its original mediation dismissal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Transunion and XXXX is missing generation identifier. These are inaccuracys XXXX reports status updated XX/XX/XXXX XXXX reports status updated XXXX XXXX Transunion reports status updated XXXX XXXX. These are inaccuracys. 

XXXX reports last payment date XX/XX/XXXX. XXXX is missing last payment date. Transunion is missing last payment date. These are inaccuracys
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my Several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XX/XX/2022
Product: Debt collection

The company Asset Acceptance is taking money and threatening me after the statute of limitations has been reached. My account closed with XXXX closed in 2008. These people are still taking money today with no amount ever going to a principal balance. I have paid them over XXXX They have been adding interest to the credit card amount they say I still owe, while taking my money and keeping it in a separate account. When asked to stop or reduce payments, they threaten me by saying I will owe the balance on the original debt. They have been collecting money over the statute of limitations for XXXX years. I would like to know the rights I have for the money I have paid over the past XXXX years.
Product: Bank account or service

J.P.Morgan Chase Bank , N.A . Is denying me access to my mothers bank account even though I have been granted an ORDER AND JUDGMENT APPOINTING GUARDIAN, by the State of New York Supreme Court, XXXX County. In the list of powers, item ( XXXX ) XXXX, allows me to access my mothers account to pay her bills. J.P.Morgan Chase Bank , N.A . Is in violation of the court decree.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Toyota motor financial sell two account to a company call XXXX XXXX reported after charge off never update this information and keep reporting every month innacurate information different in every credit bureu like Payment history damaging my credit for years a open multiple dispute and this company negligent in update or correct this account or remove a keep reporting incorrect information
Product: Checking or savings account

A lot of our bills or transactions do not reflect what is shown on mail, applications, purchases, sometimes it's more sometimes it's less. It takes a week for things to clear, some transactions do not show up. There is a program that i and my wife had signed up for called XXXX XXXX XXXX with numerous reports of Fraud. I've had problems before this. I believe there are companies or peoples, using tap systems in the area. When we first opened the account we were not able to screen shots on our phone. now we can feely take them. Ive seen downloadable software to help prevent " Fraud '' on our home computer to download. It did not do anything. Our paychecks are also being obstructed. We have been dealing with this since 2020. The bills that we have received from the electric company have been changed. we actually changed our electric company but within a month it went back to the original provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a bad car loan with XXXX they took the car charged it off while i was still making payments. I then called XXXX XXXX they offered me to settle for a paid to delete in which i paid $ XXXX.Big mistakes! i was not aware that XXXX had a lawsuit of {$500.00} XXXX settlement lawsuit. I have try to call them they refused to help. 

I called all 3 agencies, mail out letters, faxe 's neither equifax, XXXX, XXXX is responding back in which i know they have from 30 to 45 days to respond.
Product: Checking or savings account

My Savings Account Trans Fees being assessed. 

Apparently you can only transfer from checking to savings 6 times in XXXX month. Apparently anytime you transfer after 6 times you are assessed {$3.00} per transfer. 

Apparently this information was provided to me when I initially opened the account, unfortunately I am not able to locate the paperwork from when the account was opened. 

More importantly this is the first month since the account was opened in XXXX of XXXX ; that there have been excessive transfers- perhaps an email notifying the customer hey we see you have exceeded your transfer limits ; just a friendly reminder you will be assessed transaction fees for any additional transfers. ( ( ( Nope - No Notification ) ) ) just taking from your account. 

I asked for a XXXX courtesy refund of some of the transfer fees charged ; it was denied. 

I called the customer customer service line XXXX at XXXX on XX/XX/XXXX and spoke with XXXX.
Product: Money transfer, virtual currency, or money service

The complaint relates to coinbase. I have protected my account using 2-factor authentication. By switching my mobile device, the 2-factor auth in coinbase needs to be updated as well otherwise you will unable to make transactions anymore. It happend that my account was blocked and asked to unblock my account. I'm now waiting more than a week and all a got is sorry emails confirming my issue has been properly escalated.coinbase supportdesk doesn't allow you to do anything (no escalation via manager, no complaint management nothing). They just telll you you need to wait. but no reaction. It appears thousands of users have problems with accessing their money etc.I'm perfectly fine that coinbase has a great success to celebrate with new clients. But they block user's money by not doing anything related to i.e. my issue. Throughout a week I lost several thousand of dollars because I was not able to do transactions.Whatever they write as Terms and Conditions of use, this is actively blocking cash and coin outflows from coinbase. They actively decide to serve the onboarding of new clients first to promote their success and they absolutely don't care about existing clients.I'm an international client of coinbase (XXXX) but I have never come across such a treatment of customers. Don't get me wrong, whatever they write you is polite but they then don't keep their promises.This company is not mature enough to service financial clients at all.What options do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased credit repair and XXXX/XXXX XXXX XXXX from XXXX XXXX with Affordable Financial Solutions ( XXXX  ). Ms. XXXX has advertisement on her website of affordable pricing for XXXX, credit repair, and tradeline postings. Full refund of services was guaranteed ( according to website ). Initiated payment of services to Ms. XXXX from XX/XX/2018-XX/XX/2018 and have yet to receive any type of confirmation of completion of services. Also noticed that all data information was submitted through an unprotected Jot Form field. Ms. XXXX remained in constant communication that services will be completed and continued to make several excuses ( very busy, have a lot of clients, hurricane season ... etc..etc.. ), so I finally requested a refund. Ms. XXXX confirmed that she issued a full refund on XX/XX/18 and had placed the refund check in the mail. She also provided a copy of the check as proof. After 9 business days of not receiving the refund, I followed up with Ms. XXXX. No phone calls returned and only emails from an assistant by the name of " XXXX ''. I continue to get excuses on even the refund check. Ms. XXXX is no longer available and doesn't respond to my calls and the only communication now is via email with her assistant. I did research online and revealed that I'm not the only person that has been victimized my Ms. XXXX or her company. There are several complaints found on XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ). I never received any type of contract of any services rendered by Ms. XXXX or her company, Affordable Financial Solutions and she continues to advertise as if she performs services. In reviewing her practices and finding out more information on my rights as a consumer, she is clearly in violation of FCRA and the Credit Repair Organization Act
Product: Checking or savings account

onXX/XX/XXXX I noticed my balance in my account was off by XXXX upon calling XXXX number to my bank they informed me that on the XX/XX/XXXX a debit transaction of XXXX from XXXX XXXX  went through and put my account in the negative wich my account was not in the negative from this transaction and the two print outs i have attached should show this.
Product: Credit reporting or other personal consumer reports

Problem with fraud alerts or security freezes, Problem with a company 's investigation into an existing problem, Improper use of your report