23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2022 I received a letter in the mail from XXXX XXXX ( ATTN : Credit & Order Operations, XXXX XXXX XXXX, XXXX, FL XXXX ) that has two credit reports listed that are ran in my name, both of which I dispute, but more importantly I never authorized XXXX XXXX to run my credit and I never applied for wireless service through them which is stated in the letter as the reason for the two credit reports. The whole letter looks suspicious but again most importantly XXXX XXXX was never authorized to run my credit. The is an application number listed on the letter but like I said before I never made any application to XXXX XXXX that would warrant a credit check. I have XXXX XXXX pre-paid phone service, so the whole situation is extremely suspect/strange. The credit reports listed are from Equifax Information Services XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!
Product: Money transfer, virtual currency, or money service

My account was closed unexpectedly and they promised to give me a chance to withdraw my funds. 
I was given the permission to withdraw but my limitations were still upheld so i couldnot withdraw as i still had limitations. They then unexpectedly withraw my funds without my authorization or permission. 
moreover they don't give the steps clearly necessary to withdraw the funds they claim is eligible for withdrawal.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Transunion, XXXX and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : account here. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$770.00}
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 u.s.c. 1681.. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 A. States I have the right to privacy ... 15 u.s.c. 1681 section 604 A-section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.. 15 u.s.c.1681C. ( A ) ( 5 ) section : 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 antedate the report by more than seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Checking or savings account

On XXXX my email address was unlinked from cash app and my cash app disappeared with XXXX on it i got in contact with cash we was going back and forth for day 's nothing never got handled they kept sending me to different people im telling them the same thing that happened so finally i spoke with another agent sent all my information showing that the account belong to me cash app even told me that all my information was accurate but will not release my funds i worked hard for that money and to let them take it from me and not give it back is heartbreaking i can't pay my bills feed my family have to work extra overtime to try to stay ahead it's really stressing me out so im reporting to you all hoping and praying that you guys can get me My money back
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax Information Services LLC received My FTC Report and other documents regarding my Consumer Report. But also this is not only my first time but at least 3rd time reaching out to them regarding the information on my credit report. They had 10 Calendar days to remove this information this time around after giving them multiple inquires about the information on several occasions with nothing done. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXXXXXX XXXX balance {$4500.00} - XXXX XXXX  balance {$3500.00} - XXXXXXXX XXXX Balance {$0.00} - XX/XX/XXXX And also from Equifax Information Services : XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, Balance {$250.00} - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX, balance {$0.00} - XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I got my Amazon chase card last year and have paid my balance with no issues. On XX/XX/XXXX I made a {$1000.00} payment. When I couldn't use my current reward points on the card I checked my account and noticed there was a second {$1000.00} payment pending. I called and explained I only made 1 payment. The rep said it was fine and it would go away. The next day my account was blocked. I called and it was unblocked ok. 3 days later my account was completed closed due to a returned {$1000.00} payment that I didnt submit, and also didn't present itself to my bank at all. Ive argued with chase for 2 weeks they refuse to reopen the account. If they would have presented the unauthorized payment it would have still been paid. It never came to my bank and I never made a second payment. I begged to investigate a technical error. I am good. I sent copies of my bank statement it was never looked at and I also tried to call my bank and the bank representative told me if I didnt hang up the phone he would hang up and not help me. 

I have 4 other cards with other banks. My XXXX 5 years, one of my XXXX  XXXX cards 15 years, my second XXXX  XXXX 10 years and my XXXX XXXX for 3 years. 

I was about to move my XXXX  XXXX checking and savings account to chase. I will never do business with them in life again.
Product: Credit reporting

I have submitted several disputes to Experian. Attached is the last letter that they sent to me. It lacks sufficient information to identify which dispute they are referring to. They did not identify the account I had disputed. They did not reference the date of my letter. They did not reference the report number that I had disputed. How am I to know what they are referring to? Experian is doing a very poor job of communicating. It appears that they do n't take disputes seriously and/or they do n't care about reporting only accurate information as required by the Fair Credit Reporting Act. This is very frustrating to someone who is trying to get inaccurate information corrected on their credit report. The CFPB should address such problems with Experian and get them to comply with the law.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are remarks/comments linked to this account is inaccurate, and I believe it is in my best interest to have them expunged. I have reviewed the details associated with this account, and I kindly request that any remarks/comments be removed from the account. I am committed to maintaining accurate and up-to-date credit information, and I believe that the presence of these remarks/comments may not accurately reflect the current status of the account. Therefore, I respectfully ask for their removal to ensure the accuracy and fairness of my credit profile. I am writing to formally request the removal of remarks/comments associated with the following account : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022. I kindly request that you initiate the necessary investigation to assess the validity and relevance of these remarks/comments. If it is determined that their presence is unwarranted or misleading, I request that they be promptly removed from my account. I understand that the Consumer Financial Protection Bureau ( CFPB ) encourages credit reporting agencies to ensure the accuracy of consumer credit reports, and I trust that your bureau will take the appropriate steps to address this request.
Product: Checking or savings account

Over XXXX XXXX XXXX bucks was charged to my BOA account, probably in Kansas. 

BOA refused to investigate, it has been eight or more years. 

If this is the same gas station or shopping area, I know that this is the third or fourth time this has happened. 

XXXX XXXX XXXX XXXX XXXX XXXX became an absurdity, you can check my XXXX XXXX record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, FIRST HAWAIIAN BANK add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per Equifax.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital and I have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
i have never been late on payments for the account XXXX XXXX XXXX, XXXX Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. thank you
Product: Credit reporting or other personal consumer reports

Credit acceptance sent me a discharge of XXXX on XX/XX/year>. The paper work clearly says the security interest on the vehicle has been terminated making the vehicle mine. Then they went and garnished my wages in XXXX XXXX XXXX 
I can not get the garnishment stopped with out hiring a lawyer and I cant afford to do that at this time. 
Over 4 years ago they were told to come get the vehicle in question, but they never did. The vehicle has not even been registered in over 4 years because it will not pass NY State inspection. Purchase price was only {$6000.00} but went way up over {$13000.00} I have sent copies of the discharge of lien to several people hoping for help and nobody seems to care. 
It is Junk and not worth anything. The value is under {$2000.00}
Product: Money transfer, virtual currency, or money service

So I haven't logged into my Coinbase account since XX/XX/XXXX until XX/XX/XXXX. When I logged into my Coinbase account on XX/XX/XXXX, I noticed it didn't require me to put the code from my XXXX XXXX. As soon as I logged in, I knew something was wrong because my total asset value was at {$0.00}. I panicked and checked the transaction history. 

It shows someone exchanged all my coins into USD and withdrew them to several different debit accounts from XXXX XXXX XXXX. Total USD stollen is {$57000.00} from XX/XX/XXXX to XX/XX/XXXX. I reported to local police department right away but the officer told me there isn't anything he could do. 

Talked to Coinbase customer service that night but they only instructed me how to reset my password and XXXX XXXX, and told me to wait. During the talk, I found out the hackers disabled my XXXX XXXX and enabled it on their device. I was wondering how they could easily turn off my Authenticator because it would require ID verification. Coinbase informed me there was no one requesting for ID verification prior to me requesting to regain the access to my Coinbase account. 

I don't understand how Coinbase allowed someone to disable XXXX so easily without proper verification and also allowed withdrawal of tens and thousands of dollar so quickly and easily. Usually there is withdrawal limit. 

I lost my life saving and Coinbase assumed that it was my sole responsibility. I believe millions of people are using Coinbase as it's most well know crypto exchange platform. I noticed there are many people whose assets and cash got stollen from Coinbase account. Some lost more than $ XXXX but received only couple hundred dollars for one time credit. Coinbase still made money off of my disaster because as hackers were selling my coins to USD Coinbase still made money from transaction fees. I don't know if they can really say to use their platform at your own risk and if the money gets stolen they are not responsible at all. I even think that they might be part of the hacking as they made money off of the transactions.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE provided a misleading contract, including advertising. It was without knowledge to transfer actual cash value from me, the alleged borrower, to the bank and return it to the alleged borrower as a loan. The banks intent was to receive cash value and return cash value as a loan. They also include interest charges on the transaction all funded by my signature. It was not my intent to fund my own bank loan. This was misleading and is a breach of contract. 


The account number is XXXX The finance charge is {$9900.00}
Product: Credit card

By having the Capital One XXXX X card, I have {$300.00} annual travel credit for booking hotels through the Capital One XXXX portal. On XX/XX/XXXX, I used {$140.00} out of the {$300.00} credit to book a room ( screenshot of reservation email is attached ) for me and my family at XXXX  XXXX XXXX XXXX XXXX by XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY ) for the stay from XX/XX/XXXX to XX/XX/XXXX. However, on XX/XX/XXXX ( the checking date ), my family and I arrived at the hotel and the staff told us that the hotel was permanently closed. We were surprised that nobody from Capital One XXXX informed or reallocated us in advance. 

On that day, my family with XXXX young children ( one was having a XXXX ) were driving for 6 hours and arrived at the hotel around XXXX. Everyone expected to check in and go to sleep because we needed to get up and drive to XXXX early the next morning. Because of the closed hotel and no advance notice, we had to find a hotel in an unfamiliar place. After a few hours we settled down at XXXX by XXXX XXXX, it was midnight. Everyone was exhausted. The XXXX kids were super frustrated. Then I called the Capital One credit card line and the XXXX department and spent more than one hour speaking to three different agents. I was asking them to refund me ( the {$140.00} travel credit ) and reimburse me for the expense ( receipt attached ) at XXXX by XXXX XXXX ( I was told because it was a last-minute room, the cost was {$190.00} ). However, none of the three agents wanted to help me with that. They just kicked me back and forth between the agent, supervisor, etc. 

I believe booking through the Capital One XXXX Portal is a binding contract. We were guaranteed to get a room upon arrival. The closed hotel ( and no advance notice ) brought my family huge trouble and ruined our whole trip. As a loyal Capital One customer, I'm asking for reasonable compensation.
Product: Credit card

XX/XX/XXXX Re : Notice of disputed charge to Account I am writing to dispute a charge of {$3100.00} from XXXX XXXX  to my Chase credit card account on XX/XX/XXXX. The charge is in error because I never received the item ordered ( a couch ) and subsequently was told by the seller that I will not be receiving the couch. I attempted to dispute directly with the merchant but they are not reimbursing unsecured creditors. I filed a dispute with Chase, but I cant dispute through the normal channels because the delivery of the couch was estimated XXXX weeks after purchase, but I was subsequently told I would not be receiving the item. 

I ordered the couch on XX/XX/XXXX with estimated delivery of XXXX weeks. I was then told there were delays due to supply chain issues. I then learned ( XX/XX/XXXX ) that XXXX XXXX  was being Assigned for the Benefit of the Creditors ( ABC ), but that our order might still be fulfilled. I later learned ( XX/XX/XXXX ) that the order would not be filled. I contacted the merchant repeatedly and filed a claim with the lawyers for the ABC, with no success. I have exhausted all efforts to resolve this directly with the merchant. 

I subsequently disputed the charge with Chase, but I was denied due to the timeline.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : XXXX, TransUnion, and XXXX, XXXX XXXXXXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score.

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately!

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I called Equifax and I gave them my SSN. They told me my SSN was being used by another account ( name, address ). My creditors automatically send them my credit file so they should fix this issue but nothing has been done. 

Everything is fine with my XXXX and XXXX credit file.
Product: Debt collection

I received a Text message from Radius Global Solutions stating a debt for collection had been submitted to them. If I did not contact them an adverse report would be submitted to credit reporting agencies. I have not contacted them suspecting a scam. Additionally, I filed a Fraud Alert with all 3 credit agencies. Text messages were received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have paid my debts in a timely manner and maintained an XXXX credit rating for several years. The alleged debt is not mine.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report XX/XX/year> and I noticed several inquiries on my report that I have requested to be removed. They are not linked to any open accounts on my credit profile therefore, I am requesting to have them removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXXXXXX - There are several reporting inaccuracies which is a BLATANT violation of my rights under Round 3-Under 15 U.S.C. 1681i Paragraph ( 5 ) - Under 15 USC 1692g. Validation of debts-Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report or provide