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

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Upon requesting a XX/XX/XXXX REPORT I encountered ghost transactions sent through out the years of XXXX, XXXX, and XXXX for numerous amounts. Some statements are frozen and can not be viewed via the banking site and seem to be blocked. The statements that are viewable do not show the ghost transactions that were processed through theXX/XX/XXXXreport.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm waiting on the update from Experian, however, XXXX also did their research and found the information I submitted was justified and removed the filings from my report. 
You have information on my file from XXXX XXXX and XXXX XXXX which was deleted on XXXX. Your information is not consistent nor accurate. Therefore, per the FCRA and the FDCPA, you must remove the defamation of information.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX i started a XXXX purchase with Coinbase. They cancelled my order on XXXX/XXXX/XXXX. They notified me saying i would get a refund to my bank account and it has been XXXX days. But i have not received the refund. I think they may have scammed me. 
I have sent them multiple emails and clearly stating my situation and i even tried contacting them on twitter with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try to open account has me blocked I has checks stolen and file police report please remove me from fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

*Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) *Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) I am providing 4 complaints that were closed by CFPB that were in fact NOT already processed at a prior date. These need to actually be looked into and I am requesting a legitimate response. I also provided documents showing these inaccuracies and requested ACTUAL VALIDATION and not a simple cookie cutter verification. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your/the offices provide me with competent evidence. 

XXXX XXXX XXXX XXXX CFPB 's lazy response : " The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ''
Product: Money transfer, virtual currency, or money service

I have bitcoin stored in a bitcoin vault on coinbase.com. I am unable to transfer the bitcoon out of the vault. I should receive 2 emails to approve the transfer but only receive one. I have tried many times without success. I have also sent support tickets with no response.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( VANCE & HUFFMAN LLC ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( VANCE & HUFFMAN LLC ) the financial institution and the Consumer reporting agency XXXX does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, ( VANCE & HUFFMAN LLC ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( VANCE & HUFFMAN LLC ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their high-yield interest savings account accounts. Capital one misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated customer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth and savings act. I seek redress for the misleading practices and failure to fulfill their advertise promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states that I have the rights for privacy 15 USC 1681 section 604 A section 2. 

It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Experian has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! Experian has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.
Product: Credit reporting or other personal consumer reports

Never received any information reached out to XXXX  as well with no luck I would like inquiries removed
Product: Debt collection

I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 

On turning the age of XXXX, it became my XXXX policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 

On turning the age of XXXX, it became my XXXX policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.
Product: Mortgage

This complaint is connected to one already filed but closed by CFPB # XXXX. 
There was no option to respond to response of the opposite party. 
The Complaint was filed against XXXX XXXX XXXX XXXX XXXX  with Bayview Loan Servicing , LLC as an agent but to my surprise XXXX XXXX XXXX answered. XXXX claims that I have current account/loan number and they are entitled to answer to my complaint yet this is news to me because they were my servicer back in 2012 and I had 2 other servicers since then. Nowhere in my complaint, mortgage statements nor Complaint for Foreclosure exist the XXXX XXXX  XXXX name. The situation is very confusing since alleged current servicer and previous servicer can not answer to my requests.
Product: Checking or savings account

I was robbed in XXXX XXXX while there on business XXXX. It was roughly between XXXXXXXX XXXX near and upon returning to my hotel I was accosted by 2-3 robbers. My cell phone was stolen along with my debit card. Cell phone had all e-wallet access passwords etc. Between XXXX and XXXX as shown on the timeline attached I could not be at all the places at o e time. I had money XXXX, credit applications filled out, ATM transactions and gas station purchases at various points in the city. All was returned by Chase insurance accept two {$500.00} ATM withdrawals and a {$43.00} ATM withdrawal. Chase acknowledged some of the transactions prior to XXXX as fraud but not the later ones between XXXX. One robbery incident required 4 claim account numbers and one department was not communicating to the other department. The operator made a mistake and reported my card initially as lost and not stolen so they started to question what I was robbed at all. Please see attached
Product: Checking or savings account

My complaint is with PAYPAL. Ive used PayPal for quite some time. So last year ( XXXX ) I filed my taxes for the year XXXX. I used the routing and account number on my PayPal for direct deposit. On XXXX XXXX XXXX XXXX  XXXX the IRS direct deposited my tax refund into the routing and account number issued to me by PayPal. So the XXXX comes and goes and then the XXXX and so on and so on. I spent HOURS on the phone day after day for aver a week. PayPal tells me they dont see the deposit. After I called several times a day for days I conyact the IRS. They verify the routing and account number and they are correct but the lady says this is a XXXX XXXX account number you gave me. I tell her I do not have a XXXX XXXX account. So she gives me the number to XXXX XXXX and I call XXXX XXXX and XXXX XXXX tells me that the money is there. XXXX XXXX give me a transaction ID in a trace number for XXXX XXXX to give to PayPal so they can locate the money. I call PayPal back PayPal says XXXX XXXX is not allowed to give me that information I said well they did they said they can't verify the money 's there I said they did two managers XXXX anybody activity at the highest chain and they said because they had already done three traces and didn't find the money that was all they could do. I said no the money was put in the routing and account number that you guys are assigned to me and I would like my money. Went out PayPal has revoked my account I can't even contact customer service I can't get in my PayPal account they have changed my account number to my PayPal and I still have not got no money. The refund amount is {$1100.00} just sitting there that I have no way to retrieve. I called the IRS bag they said that they did their own Trace but by law they have to give them 90 days to respond that was as of XX/XX/XXXX. So I call XXXX XXXX bank and ask XXXX XXXX can I just go to a XXXX XXXX and get my money out and they said no because this account is owned by PayPal. So now I'm stuck with no ways to get my last year 's income tax and I'm I'm frusterated and I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Debt collection

OneMain Financial fraudulent loan practices. I am certifying my request to be included in the current lawsuit.
Product: Checking or savings account

the charged me too many overdraft fees for many years they will hold my pay check on purpose so that i fell negative on my balance they managed to pay some transactions while been low on funds to charge me XXXX for overdraft fees ( my pay check deposited been on hold ) also and they open bank accounts i never requested all this happened in the last 30 years i ve been a wells fargo client ....
Product: Credit card or prepaid card

On the phone with customer service, lady didn't understand the question I was asking. 

Q : " what interest rate am I being charged '' I asked for supervisor, she put me on hold. Supervisor got on phone and also didn't understand the question, quoted me the incorrect rate. I clarified the question, she got mad and put me on hold. Came back on the line to tell me she was having system trouble, I believe this was a lie, puts me back on hold, without allowing me to speak or ask additional questions. 

XXXX XXXX, claimed she was a supervisor but couldn't tell me what my interest rate was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX ; XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For AM XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

XXXX XXXX  attempting to collect money not owed by me. this debt has been disputed with all three credit bureaus and was removed in XX/XX/XXXX when it was reported by a different collections agency. I was then reported again in XX/XX/XXXX again it was disputed and removed by a 2nd collection agency. Now reported in XX/XX/XXXX by a 3rd collection agency removed by XXXX and XXXX for a 3rd time but now XXXX somehow after removing it as invalid/fraud, they are stating it will remain on my XXXX, This is not my debt i have never had nor lived at the service address reported by Allied Interstate. how can this company keep reporting this invalid account to my credit file after it has been removed 2 times previously. 

First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX  Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several incorrect accounts. These accounts adversely affect my credit report and cost me thousands of dollars in interest annually. I understand that you will investigate these items for me to ensure accuracy. It's displayed as written off, and please remove this from my account as I have not received a 1099c from this. 


Account number XXXX
Product: Mortgage

On XX/XX/XXXX I contacted Loan Depot regarding my PMI and escrow account as I wanted to cancel them. Market values have increased so I wanted to discuss my options. 

Spoke with XXXX XXXX a customer service team lead from Loan Depot. She assured me she would escalate the request. 

On XX/XX/XXXX I follow up, I speak with XXXX XXXX, a customer service representative from Loan Depot. He once again assured me and says that XXXX didnt know how to handle my request. 

After several other calls to Loan Depot and XXXX ( there servicing company ) several representatives tell me that the PMI does not have a phone number or an email. There is no way to contact them to discuss my options as a consumer. 
Today, XX/XX/XXXX, I receive an email regarding the options regarding PMI cancellation. I contact XXXX and speak with representative XXXX Id XXXX. He proceeds to tell me that my loan doesnt qualify based on the notes, but tells me the PMI department doesnt take calls. 

I then ask for a supervisor, he refuses to transfer me. He refused to tell me what city his office is located in. 

This lack of transparency is concerning as a consumer. I am asking for help in this matter.