23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an e-mail on Friday, XXXX XXXX, 2016, telling me the following : " Your card information may have been stolen due to a data breach at a business where you recently shopped. As a precaution to help protect you against fraud, we 're reissuing your card with a new account number. There 's no need to call us unless you see transactions you do n't recognize. '' I called the company, Capital One, today, Monday, XXXX XXXX, 2016 at XXXX to ask what company had the data breach and what personal information was stolen. 
After speaking to a service rep and getting no where, I asked to speak to an account manager and was told that the company could not provide me with that information. 
I told the manager, XXXX, that I am entitled to that information. He again said they could not provide me with the information. 
I find this difficult to believe and would like you to investigate this nonsense and have someone provide me with the information I requested from Capital One. 
I want to know which company had the data breach so I do not shop there again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is in excess of 10 inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within 24 hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within 24 hours without proper investigation that they are valid. The false inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

XXXX of the XXXX gift cards valued {$50.00} I purchased was not redeemable a week later when I first tried to use it. It was purchased at XXXX XXXXXXXX XXXX, CA on XX/XX/2021 around XXXX. I was bounced back and forth between XXXX  customer service and XXXX XXXX about this XXXX balance new XXXX gift card. XXXX  verified it was activated therefore it can not be refunded. XXXX XXXX said it was redeemed right after activation. A redeemed gift card can not be refunded. Therefore I as a consumer and victim of this cyber robbery was left with the loss. It is very unfair! Both XXXX and XXXX refused to take responsibility of the security of their gift cards. I will never purchase another gift card again. The consumer lose money when the purchased gift card has no fund in it since it is nonrefundable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to contact Best Buy through a store, customer service, creditor 's accounts and through corporate headquarters. I also contacted CitiBank corporate, creditors number and a local branch. No one was available to help me resolve the situation. I have a fraudulent claim by Best Buy and CitiBank. I have been cited twice under the same account which has drastically hurt my credit score. I had an account closed by Best Buy without my knowledge. The status of this account is incorrect. Additionally, therefore the creditor is reporting it wrong.
Product: Credit card

I made the last payment, and they charge me extra fees and interest charge, but I paid all my amount due before the promotion ended.
Product: Money transfer, virtual currency, or money service

XX/XX/21 - i contacted Coinbase customer support online ( its the only way ) regarding a 2FA problem i was having. they responded on XX/XX/21 with some generic email with troubleshooting links and told me to respond to the email if i have more issues. My issue was their XXXX  website was not allowing me to upload my DL photo as they required to fix this problem. On the same day we had another email exchange with them responding thank you for allowing us time to review the account. I have yet to hear from them since. i have emailed them again and again with no response. Privacy is an urgent issue and shouldnt take this long. These companies should be required to have a live customer service person or at least a live chat to solve these issues immediately. i not only need my tax forms, but i need access to my money asap. These tech companies shouldnt be allowed to operate in the U.S. without some type of real customer support, emailing and receiving a response days later to an urgent PRIVACY issues is absurd and ridiculous. If you dont want them to have customer service for general small things, than at least for a privacy issues they should have a live person being able to verify my account etc and fix the problem. This is an issue that could've been fixed within 15m and now its days. What is going to happen if i cant access my money and someone steals it? is Coinbase going to be liable? I'm furious because they have options to contact via XXXX, yes XXXX, but not a live person, which is absolutely absurd. 

A fair resolution would be for this company, Coinbase, to reset my 2FA in a timely manner. If you're going to have an email exchange than it should be within 24hrs response, and the privacy/account issues need to be escalated to the top. In reality they should have a live person to call when it comes to these issues. I think the XXXX  or whatever agency should not allow these companies to do business without it. I can receive robocalls all day about a Car Warranty i dont have, but when it comes to important financial matters with my money i cant get a hold of someone. How ridiculous is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.
Product: Credit reporting or other personal consumer reports

Re : Navy Federal Credit Union inquiry. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. And it has been well, established any company reporting to the credit bureau is considered a consumer reporting agencies to which this company had 4days to Delete this inaccurate information and they did not. Its been well over four days and this information is still on my credit report to XXXX which is a clear violation. This company has been previously provided with an identity theft report along with photo ID and proof of address. This is the third attempt to address this plight.
Product: Credit reporting or other personal consumer reports

THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. 
I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE. 
ALSO AFTER FURTHER INVESTIGATION BULLCITY FINANCIAL DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B.

FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I sent a complaint to remove the suspicious and erroneous items in my file. So acknowledge this complaint as a follow-up to my prior letter to ensure the deletion of 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
Product: Debt collection

Approximately 2 years ago, a company called SG Associates, also doing business as the Stafford Group on Credit Report began contacting both myself and my parents. This was regarding a vehicle bought by my ex-wife using false means in XXXX that I can not prove. Anyhow. The original loan was through XXXX. She paid for this vehicle using my VA benefits, which she had full access to. When I divorced her in XXXX, she was no longer on my benefits anymore. For almost two years, she lied and said her parents gave her said vehicle. Anyway. I was not contacted by these people for over 3 years. My credit counselor told me to let this debt drop off of my report. Stanford Group said they were attorneys. Threatened lawsuits, and also said they could call anytime they want. Anytime I have tried to dispute, I have NEVER received paperwork, but the consumer reporting agencies, buy their act. I never get to see why! I want them off and this company penalized!
Product: Checking or savings account

The Merchant Klover has been charging my XXXX banking account {$4.00} a month consecutively for 6 months for a product I never used, or qualified for. The merchant is unresponsive and their app does not cater to people with XXXX. Please stop all payment and get rid of my banking information and refund my money as I never utilized it qualified for your service.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on My Credit Report Dear CFPB, I am writing to formally file a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX 
Despite multiple requests for correction, including disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX  Account Number : XXXX High Balance : {$2500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Finance Account Status : Closed Payment Status : Current Creditor Remarks : Closed Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 15 Month ( XXXX ) Past Due Amount : {$0.00} Account Type : Unsecured Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} Two-Year Payment History : TransUnion : XX/XX/XXXX : OK XX/XX/XXXX : OK XX/XX/XXXX : OK XX/XX/XXXX : XXXX late ( inaccurately reported ) XX/XX/XXXX : OK XX/XX/XXXX : OK XX/XX/XXXX : OK Days Late - XXXX History : TransUnion : 30 Days Late : XXXX ( XX/XX/XXXX ) XXXX : None Reported XXXX : None Reported Violations : FCRA XXXX : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment notation for XXXXXX/XX/XXXX from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant regulatory agencies. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience to confirm receipt of this complaint and to provide an update on your corrective actions. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have discovered that my credit reports from XXXX, Equifax, and XXXX contain inaccurate personal information that I did not provide or authorize. This incorrect information does not accurately reflect my identity and has caused confusion and potential harm to my credit profile. Below is a list of the inaccurate personal information currently listed on my credit reports : Inaccurate Personal Information : 1. Incorrect Addresses : Reported Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not associated with my actual place of residence. 
2. Incorrect Phone Numbers : Reported Phone Number : ( XXXX ) XXXX This phone number does not belong to me. 
XXXX. Incorrect Names : XXXX XXXX XXXX. XXXX XXXX XXXX Correct Personal Information : XXXX. Correct Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. Correct Phone Number : ( XXXX ) XXXX XXXX. Correct Name : XXXX XXXX Actions Taken : XXXX. Disputed Personal Information : I have formally disputed the incorrect personal information with XXXX, Equifax, and XXXX. 
XXXX. Provided Correct Information : Along with my dispute, I provided proof of my correct address, phone number, and identity in order to ensure my credit report accurately reflects my personal details. 

Applicable Law : Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal disputes, the credit bureaus have failed to correct the inaccurate personal information. This failure violates my rights under the FCRA and continues to pose risks to my creditworthiness. 

Summary of the Issue : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that XXXX, Equifax, and XXXX correct the inaccurate personal information on my credit reports. These inaccuracies have caused harm to my credit profile, and I seek timely resolution to protect my credit history and personal identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that there is a collection reported on my credit reports for a debt that is not mine.I disputed this as not my debt and requested debt validation and received none. On XX/XX/XXXX there was a debt from creditor listed as cashnetusa for XXXX ( upon researching this company it is an online loan company that deposits to your checking account which I did not even have a checking account ) then again this year on XX/XX/XXXX it is reported this time with a different creditor being listed as XXXX XXXX XXXX  for the same amount of XXXX of which this company is not even in my state of Virginia this was reported both times by Midwest Recovery Systems and is fraudulent. I have never been contacted by Midwest Recovery, it was removed last year in XX/XX/XXXX placed again this year on my report but stating a different creditor. I did not have a checking account to have anything deposited to from XXXX and XXXX XXXX XXXX is not even in my state. This is fraud and I request it be removed from my credit report ASAP. Midwest Recovery Systems has been suspended from being accredited from the BBB even though on their website they say they are. with so many complaints similar to mine this looks like another scam by Midwest Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Total of 3 XX/XX/XXXXXXXX accounts were opened as following that do not belong to me 1 ) {$4600.00}. XX/XX/XXXX submitted dispute 2 ) {$440.00} XX/XX/XXXX submitted dispute 3 ) {$4300.00}. XX/XX/XXXX submitted dispute Please help me resolve this issues that I am having periodically. Someone other than me is being reported to my credit report. The third item still has not been resolved yet. 

Even though I have disputed 3 times with Experian, the issues are not being resolved. 
Someone with similar names and birth dates keep appearing on my credit report. Please let me know whatelse I need to do to resolve this issue. 

Please let me know what is going on please? I want to be able to end this as soon as possible
Product: Mortgage

I received an offer from my current motgage lender Mr. Cooper for a home equity loan and started the process and provided all the documents then XXXX XXXX the loan agent said I need to take my home out of trust for a month as they don't do that but inorder to complete the loan they need to have me do it. I hired my attorney to do it for me and when I tried to reach XXXX XXXX, his assistant XXXX and his manager XXXX and his back up XXXX by text, emails, and calls I could not get a response. Finally I contacted my first mortgage loan people and they got XXXX to call me back. XXXX XXXX even got calls and texts and emails from me before he took a week vacation and still no word. XXXX promised me this would be done by mid-XXXX since I had provided all the documents and once the property was out of trust it was ready. The truth per XXXX is they need my home out of trust for six months and can not do the loan until XXXX or later. I feel they lied and their tactics were fraudulent and deceitful. I now must find a different lender to get this home equity loan done.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. Installed equipment in my home back in XXXX. At the time the company misrepresented themselves as being XXXX. After I question company after install I decided to canceled. At the time I paid in full what was owed. After misrepresenting themselves as XXXX I could not in good conscious continue after being deceived into a erroneous contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting inaccurately with a XX/XX/2023 late payment. Per XXXX XXXX representative this inaccuracy will be updated to paid as agreed/ no late payment. XXXX representative states the system did not post payment correctly.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I purchased {$300.00} in XXXX  on my Venmo. I had done this before. I then move it to the exchange it to the currency I want. I have been doing this for a few months with small amounts and without any issue. I own approximately XXXX in crypto. These are investments for my future. I was not able to move the XXXX. I tried selling and buying XXXX  same problem. I used their chat and was told they did not know but not to try too many times or my account might get froze. I waited then tried again. I decided to sell the ethereum and move the money back to my account. Venmo isnt the cheapest option but it had been convenient. I was able to sell the ethereum but not able to move the money back to my card or any of my accounts. I used their chat multiple times over the weekend and each time I contacted customer service I was torn different timeframes as to when someone will get back and no one could help me no one had any knowledge or authority to deal with my case. I was refused to speak to anyone higher. I was told there was no one higher and I would have to just wait while they held my money. Monday XX/XX/XXXX, I was finally given a phone number and spoke with a representative but he said I have to deal with a special department and they will get back to me in XXXX business days. It was the same XXXX he didnt have answers could not help me I would just have to wait until this special dept gets around to contacting me. No they are saying XXXX business days from Monday XXXX XXXX Friday the original date of the issue. How can they just hold my money and refuse to offer support. I understand security, I get freezing accounts. I do not get refusing to provide timely support.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  XXXX, has violated my rights In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my disputes and apparently they were reviewed. However, how its it that Experian 's credit score is VASTLY different than the other 2 credit reporting agencies??? Does Experien feel that it's process it better? I need to know why the score is over 150 points less than both credit agencies when they have the EXACT same information. This appears to be a MAJOR discrepancy.