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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

As informed XX/XX/XXXX at XXXX for 25 minutes your employee XXXX said WE SENT YOU A SATISFACTORY OF MORTGAGE YOUR LOAN XX/XX/XXXX AND ARE PUTTING IT IN THE SYSTEM FOR YOU TO PICK UP AT ANY LOCAL BRANCH. 

PLEASE CONFIRM BY REVIEWING THE PHONE CALL. 


THE CFPB MUST FINE XXXX  FOR LYING OVER MANY COMPLAINTS, A LIE, THAT THIS IS A DUPLICATE IS TO EVADE THE CRIMINAL FRAUD THEY CONTINUE TO COMMIT.
Product: Money transfer, virtual currency, or money service

I tried to deposit my money onto the crypto.com exchange XX/XX/22 and still have not received my funds. 

Customer service has been terrible! 
They refuse to tell me why my funds are frozen, and will not give me a timeline as to when I can get my funds. 

I have been reaching out to them every morning, and I was reprimanded by customer service for being a hassle!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}
Product: Payday loan, title loan, or personal loan

since day 1 of being with this company we have had major issues. They keep charging the wrong account and routing number. I have placed multiple phone calls to them trying to them tell to stop doing that since I do NOT use that specific account. I have funds in a special account to pay for this loan payment. I was so frustrated with them on XX/XX/2021 I had called them and I told them I am sick and tired of the XXXX poor customer service they offer. If you look at my account I make my payment way ahead of time for a reason due to my budgeting. The issue is on XX/XX/XXXX I made 2 payments to the account loan so I can be closer to finishing the loan up. At that time a few days had passed I had noticed that the account was drawn from the wrong account where my bank charged me {$40.00}, due to my account for being over drawn since there is no money in that account which is the account I do NOT use. now my account is over drawn the {$40.00} to include the 2 payments I made that added to be XXXX so in total negative account was XXXX. I can't wait for them to refund me my money in 20 days. I need that money back ASAP, I live alone and have no other income. Am I supposed to grow money on trees? Listen to the phones calls that are so call recorded. I was told by a gentleman named XXXX he was going to mail me the check over night and send it to me, not even an hour later I get a call saying that he was no authority to that and he was not sure why he had told me that. Listen to the phone calls, they are liars, thieves, they care about their money and that is it. I urge you to listen to the last phone call on Thursday around XXXX from a gentleman who was so very rude terrible customer service, they way he talked to me is not the way to speak to a paying customer sorry to say.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit report, I discovered late payments listed on my account. Despite sending letters over 30 days ago, I have not received a response, nor have they provided satisfactory validation of these items. I kindly request your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

" I noticed an error on my credit report that does not reflect accurate information about my financial history. Specifically, [ describe the issue, e.g., a debt that I have already paid off is still marked as delinquent ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or incomplete information in my credit report. 

I contacted the credit reporting agency and the creditor to resolve the issue, but the information has not been corrected within the 30-day timeframe required by law. This failure to correct the error has caused unnecessary harm to my creditworthiness and financial well-being. I am requesting the CFPB to assist in addressing this matter and ensure the companies comply with the law. ''
Product: Debt collection

I have 9 fraudulent accounts showing on my credit report that I believe are the result of identity theft. I had a recent tenant screening report pulled on me through XX/XX/XXXX and that's when I was notified of several accounts in collections. All of these accounts were sent to an address that was not mine in Florida where I do not live. I have lived in XXXX Hawaii since XX/XX/2006. I notified each collection acct by letter that they were not mine and to send me proof. They replied to me by mail after 45 days and none of them deleted the fraudulent accounts or sent me proof of who opened the accounts in my name. I filed disputes with all the accounts with XX/XX/XXXX. And again all the accounts were confirmed as accurate. I also disputed a fraudulent address that was listed on my report in Florida. I was asked to send them an identity theft report rgd the address which I did. I called to follow up and they still havent removed the address. ( XXXX XXXX XXXX XXXX Fl XXXX ) I have placed a fraud alert on my credit report with XX/XX/XXXX. Below is a list of the fraudulent accounts on my credit report showing as collections that are not mine. 

Portfolio Recovery Associates # XXXX {$650.00} Portfolio Recovery Associates # XXXX {$2700.00} Portfolio Recovery Associates # XXXX {$620.00} Portfolio Recovery Associates # XXXX {$2000.00} Portfolio Recovery Associates # XXXX {$2400.00} Portfolio Recovery Associates # XXXX {$810.00} Portfolio Recovery Associates # XXXX {$600.00} XXXX XXXX # XXXX {$1800.00} XXXX  # XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions requested my Annual Free Credit Report from TransUnion. The request was made twice in writing and twice on the telephone. In the last letter I received, dated XXXX/XXXX/XXXX, they stated Our records show that TransUnion has provided you with the file disclosure ( s ) you were eligible to receive free of charge within the past twelve-month period. I have not received a copy of my report in the last XXXX years. What I do received from TransUnion is a weekly email soliciting membership, which includes credit report information for a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Wells Fargo XXXX has violated my rights 15 USC 1681 Section 602 states that 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 instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Product: Checking or savings account

I got a alert that my account was frozen on XX/XX/2024 at XXXX I didnt get no warning to why when I called no one will give me an explanation I even verified my information I asked them please unfreeze my account cuz I needed my money for gas to take my child to the hospital they didnt care I asked them to transfer to that department they refused I called on XX/XX/2024 they kept giving me the run around that they gon na escalate it and no one would transfer me to the fraud XXXX I even asked to speak to a XXXX and they said they dont have any managers I told them ur holding my money XXXX and they laughed about it credit karma keeps playing games
Product: Checking or savings account

I haven't been able to access my Simple checking account for two days, since the transition began to BBVA USA. They will not let me log in, and I can't get in touch with customer service. I have almost all of my money in that bank account, and no access to it.
Product: Credit reporting or other personal consumer reports

Dear [ TransUnion/Equifax/Experian ] Identity Theft and Fraud Department, I am writing to urgently address identity theft reflected on my credit report. On XX/XX/year>, I submitted a dispute regarding several unauthorized accounts and transactions appearing on my report. 

These accounts were clearly opened fraudulently, potentially by someone using a similar name or stolen identification. I never authorized, used, or benefitted from these accounts in any way. 

The Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) mandates that disputed information believed to be a result of identity theft be blocked within four business days of receiving a dispute. As of today, XX/XX/year>, it has exceeded this timeframe. 

I have attached documentation, including a copy of my original dispute and supporting evidence ( XXXX XXXX, XXXX XXXX, ID theft reports, sworn testimony ) for your review. 

I request immediate action to : Block the disputed accounts from further reporting on my credit report. 
Investigate the fraudulent activity and remove all unauthorized information permanently. 
I take the security of my credit report very seriously. Please confirm receipt of this urgent request and provide a clear timeline for resolving this matter. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My complaint is against Coinbase. 
I made a Bitcoin purchase on XX/XX/ XXXX reference code XXXX for {$1400.00} USD @ {$11000.00} per Bitcoin. The transaction has NOT been added to my BTC account on Coinbase. The {$1400.00} has been taken out of my bank account at XXXX XXXX XXXX XXXX on XX/XX/. My first attempt with the Coinbase help center was sent on XX/XX/ with no response Case # XXXX. I have since called 3 times, mailed letters, the only response I have received is that my case has been elevated to " urgent ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANT LLC/WEBBBANK, XXXX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wrote you complain previously about Synhrony banks, when they do not proper close my account, all my disscus with this bank do not bring me a result, it is ok, this is a bank but I just a human, however this bank used my personal information for request a loan and add this information to my credit report. 

ILLEGALITY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, i settled a debt with cain & wiener collection agency for {$96.00}, original debt was {$120.00} they in turn reported on my credit report that gher was a balance of {$31.00}, also they reported on my XXXX report a mew dept of {$31.00} also a balance on my XXXX report of {$31.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding two closed accounts and three unauthorized inquiries on my credit report. I believe that these items violate the Fair Credit Reporting Act ( FCRA ) as well as the 15 USC 1681 statute. 

The closed accounts are as follows : XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX 
XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX 

I DEMAND that these closed accounts be removed from my credit report as they are no longer active and are therefore not relevant to my current credit status. 

In addition to these closed accounts, there are three unauthorized inquiries on my credit report, which were made by XXXX XXXX XXXX on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries, and I request that they be removed from my credit report as they are negatively impacting my credit score and creditworthiness. 

These items violate the FCRA and the 15 USC 1681 statute, and I request that you investigate this matter and take appropriate action to rectify the situation. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

Short summary : Bank of America 's " AutoPay '' feature is deceptive -- it leads you to think that you're paying the amount due in full when only you're paying the minimum amount due. The rep I talked to agreed with me that the AutoPay feature was deceptive. Then BOA misstated its Regulation Z billing error resolution obligations : when I tried to dispute the fee I was told that only merchandise disputes are errors. 

Longer summary : I set up AutoPay on my Bank of America credit card and I found the options very confusing. Ultimately I chose the wrong one and incurred fees that I shouldn't have incurred. I wanted to choose the AutoPay option that would automatically pay the full amount due on the card every month. Of the options available, the first one was " Amount Due. '' The second option was " Minimum Amount Due. '' Because I knew that I didn't want to pay the minimum, I wanted to pay the full amount on the card, I chose the first option. After incurring a {$28.00} interest fee, I called BOA. A call representative told me that " Amount Due '' was not actually the amount due on the statement, it was in fact the " Minimum Amount Due. '' He said that there was no difference between the two options. When I said that I thought this was deceptive, he agreed. He said that BOA was working through various options which was why they were both listed. He refused to refund me the interest fee and told me that no supervisors were available to speak with me. When I said that I wanted to dispute the interest charge, he told me that a disputed fee was not an error, only a merchandise dispute was an error. Obviously that's not true -- there are lots of billing errors that aren't merchandise disputes. Then I talked with another rep to close my credit card and she also agreed that credit cards have deceptive features and that I should make a complaint so that BOA could fix the problem.
Product: Credit reporting or other personal consumer reports

I have reported the identity theft incident to the appropriate authorities, including : - Local Police Department : XXXX  XXXX Police Department, located at XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. I spoke with XXXX XXXX XXXX # XXXX Phone number XXXX As a victim of identity theft that occurred between 2008 and the present, I have experienced severe fraudulent activities perpetrated by the thief using my confidential, personal, and private information. The individual, using various names like XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and any other spelling variations derived from my family legacy name, has engaged in unauthorized activities. 

The thief has unlawfully utilized my digital signature, along with the social security number, to carry out several deceitful actions. These actions include making registrations, credit/loan applications, and manipulating certificates of live birth and birth certificates. The most alarming aspect is the creation of marketable securities such as stocks, bonds, notes, leases, or other financial instruments, without my consent. 
This incident has caused me immense distress and concern for my financial security and personal integrity. I demand immediate action to investigate and put a stop to these fraudulent activities, and I seek justice to hold the perpetrator accountable for the harm caused to my reputation and financial well-being. I will cooperate fully with law enforcement and any relevant authorities to resolve this matter swiftly and protect myself from further harm.
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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number:XXXX has violated my rights. Or 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. Trans Union and XXXX has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response datedXX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported from XX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when Trans Union recently removed the information while XXXX had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok.XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit reports Inquiries XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed my Estate account with Truist as required before submitting documentation to the Commissioner of Accounts. When I logged in to print some checks I needed they are no longer available. I only had online statements and records and when I closed the account they removed the history. They said opening the account back up is not an option and I can only get copied of the checks that I need if I pay {$5.00} per check. This is very deceptive as I elected for online statements, when you do a search it says they are available for 5 years. I should have access to my data and financial history, the bank should not have the option to remove all my history and then charge me per item to access it.