23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On the XX/XX/XXXX ocurre 3 transactions that drop my balance from XXXX to XXXX dollars the transactions are as describe : Description : CHECKCARD XXXX XXXX XXXX XXXX CA XXXX CKCD XXXX XXXX CHECKCARD XXXX XXXX XXXX XXXX CA  XXXX CKCD XXXX XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX XXXX NY XXXX XXXX XXXX after this 3 transactions come in 2 transactions come as processing, and i spoke with XXXX XXXX Supervisor on the Floor Customer  Service Small Business , she claim those transaction where processing on the XXXX and effectively at that moment i did have balance but she also claim the transactions were process next day when my balance was negative because two new transactions come in. effectively two transactions come in but right after my balance was XXXX XXXX showing in the application. i am disputing those 3 overdraw fews that where originate for charges process on XXXX for the XXXX Transaction, another one on the XXXX for the apple, and the XXXX for XXXX was originated on the XXXX as XXXX confirm over the phone but where fully process on XXXX just when two other transaction come in and they charge me overdraft for transactions originated on the XXXX and XXXX. I spoke with XXXX XXXX who claimed those charges are valid to be exact she say are absolutely valid and she cant do anything about
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple inaccurate accounts with XXXX Transunion, and XXXX  and they have failed to perform a proper investigation as per FCRA. Now they continue to report Derogatory accounts that are past 7 years from first date of delinquency and that is a FCRA violation!
Product: Credit card or prepaid card

Unauthorized transactions were placed using my amazon synchrony card in XXXX. I reported the transaction to the bank, and the bank started investigating. After the investigation was over, I received a letter stating that the items were sent to my address. However, I have never authorized these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX provided at least 5 however it could be more credit reports to different lenders when I was trying to receive financing for an automobile. Unfortunately, other than one item reported may be considered accurate for their purposes, otherwise I don't see any of the other information they reported on my actual credit reports that were considered key factors in me being denied for financing. Equifax provided much of the same information.

I'm going to be sending screenshots and photos of the denial letters to prove my point.

Some are taken directly off of XXXX and it's impossible to deny the inaccuracy of said credit reports. I will number the key factors and explain in my own words why they are not accurate.

1. Serious delinquency. I'm not delinquent or behind on a single payment or account, exactly what are you referring to?

2. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. It's a catch-22 situation that even XXXX  has on their own website and of course banks. They want you to use their credit cards and offer you additional cards, yet they don't want you to carry a high balance. It's manipulation at it's finest only to be punished by the reporting banks and credit reporting agencies.

3. Time since delinquency is too recent or unknown. Again, what delinquency? Look at my credit report, I don't have a single account that is delinquent.

4. Number of accounts with delinquency. This is getting redundant, yet again, what delinquency? And you should not be able to use the same reason or a version of it 3 times on the same report.

5. Inquires did impact the credit score but no derogatory information was found. That statement alone is asinine. It impacted my ability to receive financing which means it impacted my credit, maybe not my score, even though there was no derogatory information so in reality it shouldn't affect it at all. To many hard hits, it without question affects your credit. Your utilizing an oxymoron to describe the situation. 6. Too Few Accounts Currently Paid As Agreed. What accounts? Every account is up to date or paid on time.
7. Level of Delinquency on Accounts. What accounts?

8. Lack of sufficient relevant real estate account information? Financing was for an automobile, real estate is not relevant 9. The date that you opened your oldest account is too recent. My oldest account is over a year old if not 2.

10. Number of inquiries my have also adversely impacted the score. See number 5.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have contacted the company about this and they have done nothing to help me! in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX please validate that this debt belongs to me and please show me the original contract. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Product: Mortgage

This is in regards to JP Morgan Chase. A lien was paid off in XX/XX/2016. The lien was never released. We now own this property and are trying to sell the property. The new buyer walked because they can not get clear title as this lien is still showing open. A lien should be released 60-90 days from payoff date. No one at JP Morgan Chase can give me any kind of update as to why this was not released. I have been trying for almost four weeks now to get this released and all they say is it 's being expedited. This is unacceptable. It has been seven months since this was paid off. It does not take this long to get a lien release. In fact, it 's illegal. They are preventing me from selling my property and now have made me lose a sale. I need to file a complaint as this again is illegal and unacceptable. I have spend numerous hours on the phone with them including right now as I am typing this. Totally illegal. Their website states it will release a lien within 60-90 days. Someone needs to be held accountable for this and do their job at the mortgage company. Crazy how I can payoff a loan for over {$100000.00} and not get what is due to me in return.
Product: Credit card

I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: 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 and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 item 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: Debt collection

I file a police and FTC report for identity theft and this account is not mine. I don't know anything about this.
Product: Debt collection

Portfolio Recovery Associates called me at an absolute number for an unknown person, most likely a debt collection. I informed them that, this was my new number and they were calling the wrong person. I unfortunately also called them from my other number to again inform them to stop calling me. They added that number to their people to harass list and now call both numbers often more than once a day. They will not leave a message or identify why theyre calling or who theyre attempting to contact. I believe that this tactic is widespread and that are likely harassing many, if not thousands of people using obsolete information and phone numbers in violation of the Do Not Call list and legal debt collection practices.

I suspect many do not call list violation complaints are not being completed because the complainant selects debt collection as type of call even though there is no valid for debt collectors to be calling that person or their phone number. This results in the do not call complaint not being placed. 

My previous complaint was terminated because I had used a temporary email address. I have a corrected that. 

They use multiple numbers to call to harass me here is some of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FOLLOWING THE FAIR CREDIT REPORTING ACT 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 AN ACCOUNT WITHOUT MY WRITTENINSTRUCTIONS.
Product: Debt collection

TO WHOM IT MAY CONCERN ; i continue to dispute inaccurate and misleading information from velocity over a debt they say I owe when I don't. I have sent multiple letters to them and NES Who is also trying to collect on this debt they say I owe. i have sent them affidavit forms, copy of my dispute with the FTC about this but they continue to ignore me
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on credit file. 
Violation of 15 U.S. Code 1681b ( c ) & Violation of 15 U.S. Code 1681i Attached document has more details.
Product: Debt collection

I am requesting from Credit Management Control the original amount of {$68.00} debt from XXXX XXXX XXXX of the debt, unpaid balance, and Sign Agreement With XXXX XXXX Signature down loaded to CFPB to view as proof FCRA Law require That the information be available on request are remove it from the consumer File are Stop reporting the information.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini Trust Co. on XX/XX/XXXX. I deposited {$1000.00} into the account on XX/XX/XXXX. I was able to move those funds to an Earn account. I then deposited {$9000.00} on XX/XX/XXXX and have been locked out of managing those funds since. I have read several of the other complaints filed recently with the XXXX  and they sound exactly like me. I have done several submittals of verification information ie : drivers license, Photo of me holding my drivers license and a note attesting that I am voluntarily adding funds to my account. This is XX/XX/XXXX and they still have my account locked. Just like the other people. I made a mistake when I wired funds on XX/XX/XXXX and immediately notified Gemini of what happened. I had used the same ref no on the bank transfer as I did to open the account. I didn't realize I had to use a new ref number. I emailed them on XX/XX/XXXX and advised them of the error thinking that might be why it was locked. 

The {$9000.00} shows up in my account but I can't trade, buy or withdraw anything. There are over XXXX complaints with the XXXX  for Gemini. Many just like mine. 

This is from XXXX XXXX XXXX website.XXXX XXXX XXXXXXXX. They also report Gemini locking accounts. Let 's see how much money are they managing in the float? 

" Customer Service Gemini does not have much in terms of customer service options. You must create a support ticket via their app or website, and wait for a resolution.

Editor 's Note : We recently downgraded our review of Gemini due to poor customer service and account resolution issues. Be advised that Gemini has been locking accounts and providing no resolution to customers. We had our test account locked without any notification ( discovered on XX/XX/XXXX ), and we could not even get a response until XX/XX/XXXX. The only reason we believe Gemini even responded was due to multiple tweets from our verified XXXX account, along with support from other verified users. We also filed a complaint against Gemini via the New York Department of Financial Services. 

As such, we urge readers to be cautious as we've seen an uptick in similar complaints from readers here, on XXXX, and XXXX. 

Gemini Frozen '' Interesting their problem occurred about the same time mine started. I also reported this to the FTC. They recommended I also file with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

This account is inaccurate and not reflecting accurate through XXXX credit reports XXXX XXXX ACCOUNT NUMBER XXXX
Product: Debt collection

For close to 7 months now capital one and XXXX have screwed my account up. XXXX was saying we owed x amount of dollars. When are records show that we paid our bills and they were adding extra fees and charges. And saying they were going to offset it and fix. They never did and they tried to illegally take a payment of XXXX out of my bank account. I stopped the transaction with my bank Capital One. And never had a problem with that. I closed my accounts with capital one as I now bank with XXXX XXXX  XXXX. All o f the sudden since I closed my account capital one says I owe them XXXX $ for the stop pay on XXXX. And they were trying to dictate my money and who I pay or didnt. It was nothing to do with Capital One. This was a account between myself and XXXX. Capital one is my bank and has no say on who I pay. This wasnt a cc account thru capital one it was just cell bill. 
Well capital one is trying to go after XXXX $ and XXXX is trying to go after the same amount as well.Cap 1 is saying rhey paid XXXX even after I stopped it.The collection agency called my husband and didnt verify my info. He is not on the account.And they divulged my info to him without id the proper party. AS my husband explained he was a debt collector as well. They argued and hung up on him, The call was recorded from our end as well and is attached.
Product: Debt collection

XXXX XXXX 2017 XXXX XXXX XXXX {$65.00} i had health insurance to cover the cost
Product: Credit reporting, credit repair services, or other personal consumer reports

Paypal issued unauthorized hard inquiries on my credit on XX/XX/XXXX. In XX/XX/XXXX, I first found this out when I contacted all three credit bureaus to see what hard inquiries I had on my account. These Credit Bureaus instructed me to contact Paypal and in XXXX I contacted Paypal. Paypal said that they would send a letter to all three credit bureaus to have the hard inquiries removed and they also sent me a physical letter saying that these unauthorized and fraudulent hard inquiries would be removed within 90 days. It is now XXXX and I still have these unauthorized hard inquiries on my credit for all three Credit Bureaus. I have contacted PayPal but they still haven't acted. My personal life has been affected and because of their fraudulent and unauthorized hard inquiries. I have to pay more for everything like financing my car and so many other areas of my life are affected. There due to Paypal 's inactivity, It is my belief that PayPal is actively trying to bring me down because I am a person of XXXX and I think the government should look into possible XXXX bias since my problems still haven't been addressed even though Paypal said that they would address it.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 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. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed a loan XXXX XXXX from XXXX XXXX XXXX Loans for {$2000.00}. My payments started XXXX XXXX for {$400.00}, XXXX XXXX for {$400.00}, XXXX XXXX for {$400.00} and XXXX XXXX for {$400.00}. I began to feel very concerned about how much I was being charged and for how long the term was going to be. I called Consumer Affairs about it and they suggested that I call XXXX XXXX XXXX to have my rate & fees adjusted to a lower fee. River Valley loans did adjust my rate & fees to a lower payment by starting my loan over. I paid every XXXX weeks Beginning XXXX XXXX I started paying {$210.00}. I have paid them {$4400.00} so far. I want credit for what I have paid already. I want to be treated fairly. Is this Legal to charge this much for a {$2000.00} loan? River Valley Loans said that I still owe them over {$4000.00} and something more! Thats over {$8000.00} for a {$2000.00} loan. This has to be illegal! Isnt this loansharking???
Product: Checking or savings account

To whom It may concern my name is XXXX XXXX, I was a customer with Chase bank for 12 years. My Chase checking account number was XXXX, and on XX/XX/2020 Chase closed my account for no legitimate reason. On that same day that my checking account was closed XX/XX/2020 by Chase bank I currently had the amount of {$9200.00} in my checking account. Again, Chase bank decided to close my checking account for no legitimate reason, when I spoke to the branch manager XXXX from the XXXX XXXX CA. branch, and XXXX manager I asked both for an explanation the Chase branch manager, and his manager had a very rude response stating that Chase can close any ones account to their discretion, and do not have to give any type of explanation. Both Chase managers also stated that Chase will mail me a cashiers check in 10 business days for my remaining funds from my account which was in the amount of {$9200.00}. I never received my funds from Chase, I tried to contact Chase numerous of times concerning this issue can could not get through. The last time I called connected Chase I did speak to someone in the fraud department and this person had me on hold for almost an hour and then they disconnected the phone. The bottom line is Chase do not have to right to hold anyones money for over four months after they close their account. I started a XXXX XXXX XXXX last year as a XXXX XXXX, in which by law I can use my personal bank account to conduct business as a XXXX XXXX  The funds in my account was a grant given to me to help my business, and again by law chase bank those not have to right to keep my {$920000.00}. Thanks