23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

One of the credit service that I always use they always monitoring your credit and alerts you when key change to your credit, including suspicious or fraudulent activity, are detected. XXXX obtained a copy of my Transunion credit report on XXXX/XXXX/2016 from a different person who name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. In which that I never live in XXXX fl, but some how that person use my name to try to get approval for some financial with XXXX ... ..etc
Product: Student loan

I have been battling with this company for months. They are a debt buyer and they are trying to force me to pay them for a debt that they do not have any legal right to do so b/c I have never entered into a contractual agreement with them so therefore I 'm not financially or legal obligated to pay them. They are not servicing the loan on the behalf of the orginal creditor and the original creditor is n't trying to collect on the loan.
Product: Debt collection

This third party collection agency reporting this debt to credit bureaus, and incurring interest claiming that if I dont pay them it prevents me from borrowing money from other lenders, and competing in the global economy which is extortion and racketeering and has rendered me to being XXXX with no way to climb out of this debt, and failed to provide me with the legal statues proving that they can legally charge interest on a medical debt.
Product: Checking or savings account

Went to get cash out and they took my money and they wont tell me why I have no cash now. I tried calling they wont give me any information
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account with USAA SVG BK was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards.

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that USAA would no longer be servicing secured credit cards, USAA failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 opened an account online with wells Fargoon XXXX XXXX and 1 day after opening my account I got an email saying they're closing my account because they can't verify my information which has to be a mistake because I provided them with all accurate information
Product: Credit card or prepaid card

In the several years I've been using my XXXX Mastercard Barclaycard XXXX I've filed maybe 2-3 disputes. Apart from making it incredibly difficult to initiate the dispute ( e.g. when calling the published  number they try to convince you to go online. Then, when online, there's no option to submit a dispute online but you're instructed to mail or fax (!!! this 2020 we're talking about ) the dispute info. Once the dispute is finally submitted there is ZERO follow up. I.e. the charge is not taken off the account for the duration of the dispute, there's ZERO information regarding what's happening. When you finally call again ( there's no way to do this online ) to check you're on hold forever and then again, either they tell you the dispute has been cancelled or the dispute is still being investigated. So this is my complaint ... IT APPEARS THAT DISPUTES ARE BLACK HOLED INTENTIONALLY by XXXX Mastercard Barclaycard XXXX+.
Product: Credit reporting or other personal consumer reports

Ive noticed new inquiries on my credit report that I dont recognize Ive been a victim of identity theft before and will be freezing my credit
Product: Credit reporting

I have contacted Transunion online as part of my free credit report for the past XXXX years to obtain a copy of my report. Transunion says they can not accurately ensure my identity, and this year it says I have an open dispute so I can not get my report from them. Why can the other agencies give me my report XXXX and XXXX with the same information I provide to Transunion. Transunion is not releasing my report unless I give them money. I want a copy of my report from Transunion, so I can see what it says.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with EQUIFAX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX, EQUIFAX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, EQUIFAX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 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. XXXX XXXX, EQUIFAX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX, EQUIFAX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit card or prepaid card

This involves a Sears Mastercard issued by Citibank. I have not been able to log into my account on their website for nearly two months. I have updated my system to the latest browser ( s ) as suggested and still I am not being logged in to the website completely. There is something wrong with this company 's website and/or business practices. I have not been able to get through to a customer service agent via two different phone numbers provided by Sears ( or Citibank ) for this purpose. I am constantly routed through a ridiculous automated phone attendant system. When I am finally allowed to ask to speak to a customer service rep, the phone call is then quickly terminated. I am trying to suspend paperless billing because I have not been able to make a payment via their website since the website never completely logs me in. This is a well-know issue with this vendor and something needs to be done about it. It is pathetic how these companies are taking advantage of people who are trying to meet their obligations and protect their credit scores. I owed a grand total of {$27.00} last month and now owe {$57.00} thanks to a {$30.00} late fee which they are stealing because they are preventing me from accessing their website to make payment. I now have to visit a retail location in order to pay off this account. I 've been a customer of their 's for nearly 40 years ... never again ... they can drop XXXX.
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 ) Section 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
Product: Bank account or service

wells fargo the furnisher even though fined and ordered to correct credit reporting has falsely verified at least 3 times to XXXX violating FCRA AND CFPB CONSENT ORDER. 
MY WF EFS ACCT XXXX ON THE CREDIT REPORT SAYS CURRENT STATUS IS 120 DAYS PLUS LATE WHILE THE LOAN WAS PAID IN FULL AND CLOSED XX/XX/2011
Product: Money transfer, virtual currency, or money service

XX/XX/2020 Re : Money Network Dispute My money has been out there in outer space for almost 2 months with no resolution as of todays date, XX/XX/2020. However, on XX/XX/2020 when I checked, it at least was in a pending status. Because of the longevity of this hanging matter, Id like you to investigate and let me know how long is it going to be before my money is posted back to my account? {$600.00} is quite a bit of money to be floating around in air space. 
On XX/XX/2020 I transferred {$600.00} to a bank account from my Money Network account and it stated that the transfer would take from 3-4 business days to post to the account. On the 4th business day, XX/XX/2020, I checked the bank account and it had not posted. I called Money Network and was told that the 1st transfer could take from 9-10 business days but thereafter, all bank transfers would be 3-4 business days. 
When the 10 business days had passed, I checked the bank account again and the funds were not there nor was it posted to my Money Network account. So, I called Customer Service and the Rep apologized for the delay and told me that it would be another 9-10 business days, which I didnt understand but I accepted it. Also, I was told that I would be given a {$100.00} credit for the inconvenience bringing my total to {$700.00}. 
After that 9-10 business days had passed with still no money, I called and asked to speak to a Higher-Up so I was connected to the General Manager. After bringing him up to date about the issue, he told me that he couldnt guarantee me the additional {$100.00} but he assured me that my money would be posted to my Money Network account on XX/XX/2020. 
As you can see, as of today, XX/XX/2020, the issue is still not resolved. 
Monday, XX/XX/2020 the account is not in pending status nor has the money been posted to my account. 

Thank You, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my cell phone stopped working and XXXX admitted I was a victim of XXXX card swap. This is where Coinbase comes in. I followed proper security measures with all passwords on my Coinbase account. Due to Coinbase negligence someone stole all my funds ( {$5600.00} ) in my Coinbase account. I filed a complaint with Coinbase ( XXXX ) and they said they can do nothing about it. I filed a police report ( XXXX ) and they said to go after the company who stole the funds. I just want to be reimbursed for the stolen money. It's a lot of money when you trust passwords to work and they don't. There is no security anymore especially with Coinbase.
Product: Debt collection

Account in Question : XXXX XXXX reporting inaccurately to XXXX and XXXX XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Debt collection

i check my credit report today and i see XXXX account in collection for XXXX agency collection afni i spoke whit XXXX and the address they tell-me about that i never lived in that address before and i never sign any contract whit them for any cable.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have been actively monitoring my consumer reports since XX/XX/year>. Recently XXXXXXXX XXXX are reporting a fraud account : Account number : XXXX Open Date : XX/XX/year> to all credit bureaus on my consumer reports after being notified & Provided proof of my Identity theft & me Expressing I never had business with them nor the original creditors : XXXX XXXX XXXX XXXX of this fraudulent account. XXXX has deleted the account since, but TransUnion is slow to action & reporting ( especially when it comes to accurate reporting & correcting errors ).
Product: Checking or savings account

I am filing this complaint regarding Claim # XXXX with Bank of America for a disputed transaction totaling {$600.00} paid to XXXX via XXXX. 

While I authorized the transaction, the services I paid for were never delivered. The claim was mishandled by Bank of America and filed incorrectly as an unauthorized transaction instead of " services not received. '' Key Details of the Issue : Authorized Transaction, No Services Delivered : I authorized the transaction to XXXX via XXXX. However, the services I paid for were not delivered as promised. 
Account Compromise and Fraudulent ActivitXXXX : XXXX compromised my XXXX account and created fraudulent accounts within the XXXX gaming system, resulting in permanent bans on all my gaming accounts. 
Deceptive Practices and Harassment : XXXX harassed me via unsolicited emails, pressuring me to close disputes in exchange for services that violate XXXX terms of service. 
Misfiled Claim by Bank of America : XXXX confirmed that this dispute should have been filed as " services not received. '' Bank of America incorrectly categorized my claim as " unauthorized transaction, '' which has prevented proper resolution. 
Business Account Closure : As a result of mismanagement of my claims, my business account was unexpectedly closed, causing significant disruptions to my business operations.

Resolution Sought : I am requesting the following : A full refund of {$600.00} to my account.

Acknowledgment that this claim was misfiled and mishandled from the beginning.

Assurance that similar errors will not occur in the future.

Supporting Documentation : I have attached : The original dispute letter sent to Bank of America.

Bank of Americas denial response. 
Communication records with XXXX and XXXX. 
Why This Matters : This situation is not just about a refund. It involves deceptive business practices, account compromise, harassment, and a mishandled claim process by Bank of America. 

I trust that the CFPB will review this matter carefully and ensure that I receive a fair resolution. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not Believe all 3 credit reporting agencies have offshore base in XXXX. Pretty much all American people credit information is in hands of world country. Wow... Great Job CFPB and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a further dispute letter to the credit reporting agencies on XX/XX/2023, asking them to remove or correct any disputed accounts that I believe are incorrectly reporting information about me in my credit file within the legal time frame. All accounts and information must be updated and/or deleted within 30 days of the date the dispute was received in line with Fair Credit Reporting Act section 1681i. Since I have been disputing the disputed accounts for so long, it is evident that the credit bureaus have steadfastly refused to comply with all of my demands. I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to ask the credit bureaus once more to rectify or delete the following accounts as soon as possible : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX  Bankruptcy Reference # : XXXX. The disputed accounts that are incorrectly reporting information on my credit file must be addressed as quickly as feasible by changing the status of the accounts or eliminating them entirely from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries
Product: Credit reporting or other personal consumer reports

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

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

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

15 USC 1681 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.

I dont agree with the negative payment status and history listed on this account.This account never was late and was paid on time as agreed. The investigation done by the credit reporting agency was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that are reporting on my Experian credit report incorrectly. Neither XXXX or XXXX is reporting these accounts. I've been going back and worth with both Experian 's CS Reps and Supervisors to get this issue resolved to no avail. The last straw was a few minutes ago when the Supervisor XXXX was very rude and condescending to me, over the phone. I attempted to ask him how the bank verified I had a loan for a mobile home and he stated they didn't have to verify that information with them. They allowed me to continue to dispute the accounts listed below and they refusing to correct the errors. 


The accounts in question are listed below : * XXXX  XXXX XXXX XXXX - Mobile Home Loan Someone changed the type of account and the last date of last activity. I NEVER had a Mobile Home with XXXX XXXX XXXX XXXX XXXX. I had a Credit Card that is supposed to fall off this XXXX but they changed my date of last activity to XX/XX/XXXX. The last date of payment was XX/XX/XXXX. 

* XXXX XXXX XXXX - Credit Card According to the credit report I pulled in XXXX, this account is scheduled to fall off in XXXX. However, some has changed the last date of activity in their system o reflect XX/XX/XXXX which is incorrect. The last date of payment was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection accounts. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Collection XXXX SELF-REPORTED # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX SELF-REPORTED # XXXXXXXX XXXX SELF-REPORTED # XXXX
Product: Checking or savings account

XXXX XXXX called Citibank. After receiving no help, asked for a supervisor. She said that I should have funded this savings account. I explained that some time ago, the agent on the telephone instructed me to transfer {$25.00} from our checking account to keep the account activated. I did this but this supervisor said it had to funded from a debit card. 
This supervisor instructed me to write a letter to Citibank asking to reactivate the account so that I can transfer funds out and close it. 
Mailed the letter with all of the requested information on XX/XX/XXXX. As of today, XX/XX/XXXX I do not have my money. I can not transfer the money out as it remains deactivated. I did not receive anything in the mail from Citibank. Online it did state that they received my letter but are investigating. 
They have held my money XXXX for almost a month!
Product: Money transfer, virtual currency, or money service

I have been a customer of PayPal since 2011, and used their services for random online purchases. I also bought Cryptocurrency last fall ( balance of $ XXXX ). On XX/XX/XXXX, I received an email saying PayPal was permanently limiting access to my account, without any explanation. Thinking it was a scam email, I called them and talked to a phone rep, and her supervisor, they both confirmed my account was blocked, they did not know why and did not offer any resolution options. They also stated that my funds will be held for a period of 180 days! I understand something may have trigged their security system and this is for my protection ( or theirs ), but they are not giving any explanation why this is happening or what do I need to do to resolve the issue. At this point, I would like to close this account, get my money back and move on from PayPal.