23daVinci/CFPB_Complaints huggingface dataset:
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  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

XXXX Experian XXXX companies ( misleading information in my credit reports things that should not be on my credit report are still on them I filed bankruptcy in 2009 most of the items on my report should have been removed as well as hard inquiries ) I'm not able to move forward with negative items remaining on my reports they need to all 3 have the same information on them and they don't my credit would start moving in the right direction if most of the items on all 3 of my reports were removed there not keeping accurate information on people please investigate.
Product: Checking or savings account

As of XX/XX/XXXX, Bank of the West has refused to resolved my issues of bait and switch from a promised interest rate of 2 % /2.02 % APY to 1.29 APY ; closed my account without reimbursing me the full account balance ; and not allowing online access. This is after filing a complaint with the CEO, XXXX XXXX on XX/XX/XXXX and speaking with the manager, XXXX XXXX at the XXXX XXXX branch on XX/XX/XXXX. I was referred back to the branch that originally caused the problems so naturally nothing got resolved. 

This complaint concerns the Bank of the West branch at XXXX XXXX, Ca. I opened an XXXX XXXX XXXX account on XX/XX/XXXX with the understanding that the interest rate would be at 2 % /2.02 % APY.  The opening balance was {$20000.00}. 

An account statement from XX/XX/XXXX XX/XX/XXXX was received sometime in mid-XXXX XXXX. Instead of the promised APY 2.02 %, the statement stated an APY of 1.29 %. On XX/XX/XXXX, I went to the local XXXX XXXX branch for an explanation. More or less, all the employees including the manager ( she refused to speak with me directly ) stated that this was correct. Out of frustration, I immediately closed the account on XX/XX/XXXX. Instead of issuing a closing check for the full balance amount, it was issued for what was stated on the XX/XX/XXXX XX/XX/XXXX statement of {$20000.00}. There was an interest amount from XX/XX/XXXX to XX/XX/XXXX still outstanding. But, the employee insisted there was no other remaining amount and if there was any, it would be just a few dollars and not to worry about it and to let it go. She even issued me a balance receipt showing the available and current balances were XXXX. Once home, I checked my account online, it showed the remaining account balance was {$13.00}. I then immediately contacted someone on the phone at a Bank of the West call center regarding the issues, who stated my account was frozen and nothing could be done. 

I tried to log online again on XX/XX/XXXX and XX/XX/XXXX and was unable to do so. The notices posted were Access Suspended with an invalid reason that [ I ] havent signed into it for over 18 months! On XX/XX/XXXX, I tried to re-enroll on Online Banking but was denied because my account had been closed.
Product: Credit card or prepaid card

Synchrony Bank / Ashley Furniture closed my account that is in good standing with no reason. Theyve done this to me with XXXX XXXX card after making a payment. Researched this issue online and it looks as though they seem to do this frequently. This should be completely illegal.
Product: Credit reporting or other personal consumer reports

I recently was looking at my credit report and noticed fraudulent activity. Please remove all fraudulent activity off my report as it is hurting my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a thorough review of my credit report on XXXX by XXXX XXXX and discovered an erroneous piece of information on my TransUnion credit report. It is important to note that I have never been late on any loan payments, and I have successfully proven this to XXXX, resulting in the removal of a late payment from my record in XXXX. However, this same late payment from XXXX XXXX is still being reported as a delinquency on my TransUnion report. 

In an attempt to rectify this issue, I initially tried to dispute the error online but encountered a setback when I realized I had forgotten my password. Consequently, I proceeded to reset my password, and the TransUnion website assured me that I would receive an email containing a six-digit passcode. Despite my repeated attempts since XX/XX/XXXX, I have not received any communication from TransUnion regarding this matter. 

Frustrated by the lack of progress, I decided to reach out to TransUnion via XXXX on the same day. XXXX, a representative from TransUnion, promptly responded and informed me that my case had been reviewed. However, she explained that it required file maintenance, which would take approximately five business days to process. This conversation took place on XX/XX/XXXX. Disappointingly, upon checking my credit report today, I discovered that no updates had been made to rectify the issue. Furthermore, I noticed that TransUnion has listed multiple incorrect addresses, further complicating matters. 
My payment was due on XX/XX/XXXX and i made a payment on XX/XX/XXXX. There is no way i will be considered 30 days late. I have attached a document to prove that i made a payment on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

At XXXXXXXX XXXX XXXXXX/XX/year> I tried to remove XXXX XXXX ( - {$21000.00} ) from my vault on Coinbase exchange to my trading account. Per Coinbase it should take 48hrs. 
I waited till XX/XX/XXXX to contact their customer support and ask why it had not transferred. I spent 1 hour chatting with customer service and we found out something did not happen. Coinbase was supposed to send verification emails to both my XXXX and XXXX emails. They only sent it to my XXXX email. I verified that one. They said it was passed to their support specialist and it would be fixed in 24hr. 

I waited till XXXX XXXX and it still was not resolved. I contacted customer support again and spent another hour chatting with them. They again said that I just need to be patient. They Had no timetable that they could give me for when it would be fixed. 

I filed an official complaint on their website they replied by email Hi there, Please accept this email as confirmation of receipt of your complaint. 

We will review your complaint and you will receive a response from the Customer Complaints Officer within 45 business days. 

We hope there will never be a need for you to refer your complaint for legal action, but please be advised that our internal complaints process will need to be completed before your complaint can be submitted to small claims court or to an arbitrator. 

Warm Regards, The Coinbase Team It is XX/XX/XXXX and the problem has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : In response to complaint # XXXX abount an account with XXXX XXXX XXXX listed on my credit report. 
Experian maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX While the burden of proof lies with XXXX XXXX XXXX  Experian, I have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor Experian has provided rebuttal. If Experian maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have attached an Affadavit of Fact in rebuttal for Experian to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.
Product: Checking or savings account

Checking account fradulent charges noticed in  XXXX   XXXX . Chase bank made aware  XXXX   XXXX . Fradulent charges started in  XXXX   XXXX  and continued monthly until  XXXX   XXXX . Chase will only credit  XXXX ,  XXXX  and  XXXX   XXXX  fradulent charges due to a 60 day notification policy. I was never made aware of unsual charges ( i.e.  XXXX  from California - I live in NY  ) or  a 60 day policy to report fradulent charges. I use paperless statements to help save paper.   There are a remaining  XXXX  fradulent charges th at Chase ref uses to credit accounting for {$47.00}.  Chase 's policy  to refuse reimbursement for fradulent charges is unethical and seems illegal. Please help.   Sincerel y, Concerned citize n and friend of  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX2017 I went to the Transunion website to lift a credit freeze I had on my credit report. A few years ago I had gotten free credit monitoring from them because of a credit card breach that I had been involved in. I put a freeze on my credit report at that time. I needed to lift the freeze because I was refinancing my home equity line of credit. When I got to the website I could not figure out how to lift the freeze on my account. I was able to login, but every link I clicked on ended up in a request to sign up for their credit monitoring service for {$19.00}. My free service had long since expired and I do not want to sign up for their service for a fee. I finally gave up and had to call their customer service number to get help. They use a call center in XXXX. I have many times talked to people who work at call centers in XXXX and I have always been able to understand them. This time I could not. I finally had to ask for a supervisor because I could not understand the young lady. The supervisor was not much better, but I believe the credit freeze has been lifted. We 'll see. My complaint is that I think it is wrong for them to make it so difficult for you to access your account and lift the credit freeze online. Every link I clicked on ended in a request to sign up for their credit monitoring service for a fee. This is wrong! Please go after them and make them stop this!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ) and instances of identity theft. I recently submitted a formal request for a credit freeze, expunction of erroneous accounts, and a cease and desist on all inquiries and account activities to XXXX, XXXX, and XXXX. This request, dated XX/XX/year>, was sent via certified mail, and I have proof of delivery. The violations stem from the presence of inaccurate and fraudulent accounts on my credit reports, including but not limited to accounts from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Additionally, I have explicitly instructed the credit bureaus to cease and desist any inquiries or account activities related to my credit information, that is fraudulent, filed a FTC report, and a complaint in XXXX XXXX XXXX These actions directly violate the FCRA XXXX the Identity Theft and Assumption Deterrence Act, Colorado Revised Statutes, and other relevant consumer protection laws. The fraudulent accounts and the unauthorized inquiries have damaged my creditworthiness and exposed me to potential financial harm. Enclosed with this complaint is a copy of the formal request submitted to XXXX, XXXX, and XXXX, including the certified mail receipts as proof of delivery. I am seeking the CFPB 's assistance in investigating these serious violations, ensuring immediate corrective actions are taken, and holding the credit bureaus accountable for their non-compliance with federal and state laws. I appreciate your prompt attention and look forward to your investigation and intervention on my behalf.
Product: Credit card or prepaid card

Credit karma keeps approving me for the last 7 years of all kinds of different credit cards that I'm supposed to be pre-approved and every one of them I always get denied for the last 7 years my bank XXXX approved me for a credit card XXXX a bank approved me for a credit card and credit karma keep saying that I'm pre-approved and I am qualified for all my cards all during that time and never once said I ever receive a credit card it was always denied this is false advertising if a person 's pre-approved for a credit card then therefore he should receive his credit card not be denied when they pre-approved me ahead of time it is false advertising it is false statements and every one of them ding my credit on my credit report. All documents and all information that I have I will keep from my lawyer.
Product: Payday loan, title loan, or personal loan

Upstart declined my credit application citing credit score when my score is better than the average consumer.
Product: Credit reporting, credit repair services, 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. XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that 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 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 crime which antedates the report by more than 7 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

So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL continue to 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 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. And my state again, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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: Checking or savings account

I was trying to get a student loan and I was talking to Ms XXXX I provide information like date of birth and social security along with the bank information. The next thing I know she went into my XXXX  banking chose XXXX put her telephone number in and proceeded to process a transaction with her phone accepting the transaction in the amount of 800.00. I filed a ddispute with regions and they denied my claim. I was suppose to receive the dispute information thru my email but nothing was provided
Product: Credit reporting

I previously disputed, with TransUnion on XXXX XXXX, 2016, inaccurate information regarding my account with XXXX # XXXX. This information has caused me to be denied credit because of it lowers my credit scores. XXXX XXXX by and through the credit reporting agencies are reporting that I have missed a payment or was 30+ days past due in the month of XXXX 2016 is inaccurate. Please see my attached receipt for cash payment in the local branch office and through a teller at the window on XXXX XXXX, 2016. Additionally, it is being reported that my last date of payment was XXXX XXXX, 2016, when in fact, I made no payment on this account on XXXX XXXX, 2016. My receipt confirms the date and time of my payment.
Product: Credit reporting or other personal consumer reports

I checked my personal credit report and I noticed that these unauthorized inquiries had been made : XXXX XXXX XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX I contacted the above creditors, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. 

Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. 
If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. 
If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX    continu es to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my Equifax report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.
Product: Mortgage

In XXXX were solicited by BofA Representative to refinance our home. Loan closed XXXX. 
1. XXXX or XXXX BA sold my loan to XXXX XXXX XXXX. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 
3. XXXX XXXX BofA filed Lis Pendens/Forclosure 4. XXXX We offered BofA to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, BA wanted our house. 
5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 
6. XXXX BA sold their interest to XXXX XXXX XXXX that removed BA from pending lawsuit/forclosure proceedings and our motions against BA. 
7. XXXX to XXXX At not time has BA acted in good faith toward any form of equitable resolution. By way of example, see # XXXX and # XXXX above. 
8. XXXX BA sold their position to XXXX XXXX XXXX in XXXX. XXXX started by grossly overstating our loan balance that is not yet resolved. 
9. XXXX In BA 's place ( but not entirely we hope ) comes the new and continuing battle with XXXX ... ... ... ... to be aggressively investigated by CFPB With your help WE WILL NOT GIVE UP. 
XXXX
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able tXXXX XXXX XXXX XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my credit report.