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

About 3.5-4 years ago I contacted XXXX to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months ago.
Product: Credit card

I purchased an item on XX/XX/year> for {$49.00} I contacted the merchant several times with no reponse. I never recieved the product. I filed a dispute and was given the run around from the credit card company avant. Finally they sent me a letter telling me that they found the charges valid even after i sent them proof. I talked to their fraud department and they told me their decision was final, that my only option was to contact the merchant which I've done several times and that I am responsible for the charges for product I never recieved. There is NO consumer protection and i still have all my proof, emails and letter from this company
Product: Checking or savings account

I'm unable to connect my XXXX acct with PNC
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly  states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the XXXX data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items immediately
Product: Credit card

On or around XXXX XXXX of this year, i wanted to get an increase in my credit limit with my XXXX XXXX credit card issued by Citi. I applied online to get an increase in credit line. They emailed me back asking me to call a particular number. When i called the number the representative said she needed to run credit to see if i qualify for an increase in line. I told the rep that i only want an increase in the line WITHOUT running my credit as i did not want to impact my credit report and XXXX score. I explicitly said NO to running hard credit over the phone. But they ran it anyway and it showed up on my credit report and impacted my XXXX score. I tried to get in touch with the company to rectify the issue and also asked them how they could run my credit without my authorization. I have a chat session saved that i had with XXXX of the company 's reps XXXX XXXX XXXX who admitted it was a FCRA violation and that she had forwarded to the concerned department and that i will get a call back. I had to call them to get a call back and when i spoke to the person that called me, they said everything was ok and there was no issue on their end. I asked them to pull the call and listen to it as i had explicitly said not to run a hard credit. I also said how XXXX had agreed it was a violation. I asked if they had a record of my authorization, and he said i would need to a subpoena to get that information. This is ridiculous and completely unprofessional and unethical.
Product: Credit reporting or other personal consumer reports

I have requested Comenity Bank/Victoria Secret to remove the account off my credit report or to mark it as paid and not derogatory because I have paid the collection agency already. This is hurting my credit score and report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX account # XXXX and XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Checking or savings account

XXXX XX/XX/2024 I received an email from Ally Bank indicating that a transaction was declined. No other information was provided ( to who, how much, nothing ). I contacted Ally Bank as soon as I received the email. I spoke to XXXX, at first she couldn't find anything either. So she did more digging. She finally got back to me and informed me that XXXX bank tried to cash a check I issued to them on XX/XX/2024 in the amount of {$840.00} there was sufficient funds at that time. I used to bank with XXXX and XXXX they always withdrew the funds from my account on the first and held the funds until XXXX cashed the check. I don't understand why Ally Bank does not do the same. I issued a check to XXXX on the first of the month as I always do and there has never been any problems. 
XXXX XXXX Ally is saying that because XXXX did not cash the check until the XXXX of the month the funds were no longer there ; I had to withdraw funds from my savings account and add more money. Money that should have already been withdrawn and held by Ally until XXXX cashed their check. I tried callng XXXX to let them know what happened but they were already closed. I'd like to know what Ally did with the money I mailed to XXXX on the first? Is this practice normal? Please advise. Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several letters about the mistakes on my report. I have also called in and have not gotten my issue resolved. Yesterday they told me that some disputes were investigated but they sent a letter to an address that was on my profile that was not mine. I have sent letters in that I never got a response to. I sent my last ones in certified. I will attach a copy on my letters that explains my issues in detail.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. XXXX XXXX XXXX disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely XXXX and TRANSUNION This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by XXXX XXXX XXXX actions. 4. **Exclusion of Transaction and Experience Information : ** XXXX XXXX XXXX included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by XXXX XXXX XXXX has caused significant financial and emotional distress, disrupting my life. Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
Product: Money transfer, virtual currency, or money service

Multiple times attempted to trade crypto. Coinbase processed transaction then canceled or not completed without notification while using app. Acted like it completed trade then emailed later it did not complete trade. Multiple time the coinbase took money when trading shiba inu crypto. They have agreed there is a problem and still won't give me my money back. Scam. Failed to execute trades accordingly. Leaveing customer without control while markets move and and coinbase holds our money without recourse. Then agrees there is a problem but won't pay me back. The Coinbase system appears to operate like a claw machine in the arcade. Grabs the trade act like you have it in hand but drops the item as it executed trades, especially ones when value is droping rapidly. Coinbase can't facilitate or manage its trading system. It is a scam.
Product: Mortgage

This is my second complaint about the same problem. 

Fifth Third services my mortgages. Despite this issue having been " resolved '' by the previous CFPB complaint, it continues. 

A letter, dated XX/XX/XXXX, arrived in early XXXX claiming they " reached out '' to my insurance company but were unable to verify my insurance. 

On XX/XX/XXXX, I attempted to use their web-based form to provide this insurance, but got XXXX XXXX. On XX/XX/XXXX I was successful in submitting the information. 

Today, XX/XX/XXXX, I got two letters, one dated XX/XX/XXXX, saying they are going to force-place insurance, and a second letter, XX/XX/XXXX, with nonsensical claims about changing the mortgagee clause, even though the mortgagee clause is already as they requested. 

All of these letters make threats about force-placed insurance, and I believe Fifth Third intentionally and negligently maintains these dysfunctional systems intended to force me into an expensive and unnecessary insurance product.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Chase acquired and transferred my XXXX XXXX checking account on XX/XX/year>. 

Their DEPOSIT ACCOUNT AGREEMENT ( https : //www.chase.com/apps/services/pdfreader.ir3bX5+1BmnVLAebCaB6HLcw0CnSihi2PeiQYAVMKN9ZQwaNYLntSYCiTyp1t1zegKJPKnW3XN67hQRHusxuzzWqAxNpq+pkeVJfTABXPR7Lh4TpYLXggnRNYtHZtGte.pdf ) states that I have the right within 60 days to opt-out of arbitration. 

Section " X. Arbitration ; Resolving Disputes '' described that I needed to call XXXX to opt-out. I called the number, talked to a number of representatives who did not know what I was talking about, or simply hung up on me. Chase representatives were unable to opt my account out of arbitration.
Product: Debt collection

ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan.
Product: Student loan

The student help center charged me XXXX to consolidate my student loans when I could have consolidated them myself.
Product: Mortgage

Thank you for the prompt answer my last inquiry, I am sorry, I was n't being specific what forms I was asking for. I am attaching this time with this email a sample of the form I need from you, I hope that will help. I have three forms from Bank of America, XXXX form from XXXX and Sample from XXXX XXXX website. Three of these forms will show the principle reduction you made to my account. If you disagree on authenticity of these document please state for me the reason. Exhibit # 1. my tax statement XXXX form XXXX. ( XXXX pages ). What that documents show are the balance of {$4500.00} and escrow balance of {$28000.00}, which have been transferred to fay servicing ( no deferred balance ). Please read carefully the important notice of information on page XXXX. Exhibit # 2 from my loan payment history document page XXXX, also shows the last balance from Bank of America which is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 3 from XXXX ( the new servicer ) also confirms that, the balance you transferred is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 4 from my loan payment history document page XXXX shows that you have written off ( the deferred balance ) {$280000.00}. If you disagree please give me full explanation what this reductions is. After long investigation, I have concluded that you are missing XXXX document to sent XXXX, which could clarify all this confusion. and that is Exhibit # 5. Would you please sent me a copy of that form to me and XXXX. Remember, you have sold my house by giving a fraudulent misrepresentation information about my account to XXXX XXXX, if this issue do n't resolve immediately, I have no choice but to take my case to the federal court. remainder the principle reduction program will be run out by XXXX/XXXX/XXXX. 

Thank you XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned account, is the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that the consumer credit account, is the result of identity theft and fraud.
Product: Credit card or prepaid card

I had a Credit Card with XXXX XXXX Barclay 's Bank that was subject to unauthorized transacxtions because of identity fraud. The Company is still reporting to XXXX a balance including the unauthorized charges effecting my credit standing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : Address, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : First name, Last Name XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DISPUTE REQUEST. DO NOT SEND ME A COPY OF MY CREDIT REPORT. DO NOT ADD A SECURITY ALERT TO MY CREDIT FILE. 
I called TransUnion on Friday, XX/XX/year>, on or around XXXX pm XXXX. I dialed ( XXXX ) XXXX. Due to XXXX excessive hold times, I requested a call back pursuant to the IVRs instructions. I received an inbound call on or around XXXX pm XXXX. The inbound caller ID was ( XXXX ) XXXX. It was a female agent from XXXX XXXX. At the beginning of her introduction, she asked for my phone number and email address. I declined to give this information. Consumers are not required to provide an email address and phone number in order to file a valid dispute. As soon as I said no, she immediately responded without this information we can not proceed., and she immediately disconnected the call on me. This is unprofessional and inappropriate. This is also known as call-avoidance I seek to hold TransUnion and its employees accountable. Please sanction TransUnion. In addition, this is not a one-time isolated event ; this is a pattern and practice. I will continue to file valid complaints, each and every time this happens.