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

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX neglected to the payment arrangements made to bring my account to current status agreed upon and made in on XX/XX/XXXX. They promised to remove XXXX & XXXX finance & late fees & reverse late payment to credit reporting. They neglected to keep the 3 auto withdrawal payment arrangements made to my account : {$100.00} on XXXX, {$55.00} on XX/XX/XXXX, {$45.00} on XX/XX/XXXX. 

In XXXX when I reviewed my credit report I saw not only did they not remove the late fees nor reverse late payments reported to the credit bureau as promised for XXXX and XXXX. Instead in XXXX they ADDED another late fee and reported now XXXX to the credit bureau when this was supposed to be resolved. I called XX/XX/XXXX and asked again for this error to be corrected and reverse it from my credit report but rep said this wasnt in his power and would credit me some of the late fee as if it was a favor. 
Ive called multiple times and spoke to over 5 reps and supervisors who after reviewing notes told me the original rep neglected to set up the payment arrangement on XX/XX/XXXX so it made acct late. She promised to make a note of everything and correct my account. 

I am in the middle of refinancing my home so this has been detrimental to my report as Ive been denied due to this horrible and neglectful and unacceptable error especially the way it has been handled. XXXX XXXX XXXX  XXXX has done absolutely nothing to try to reverse nor resolve the mistake made on my account. 

Ive asked several times and disputed the late payments on my report but it has not been removed. On XX/XX/XXXX I spoke to a rep for 2 1/2 hours it was very kind to take his time and look deeply into the note and told me that the supervisor who I last spoke to you never did anything to help the account nor noted it and the payment arrangements made on XX/XX/XXXX were mysteriously deleted by another rep with no valid reason. They told me to write theyre credit report dept to correct THEIR MISTAKE. Unacceptable. 

In XXXX I inquired and joined their hardship program once they made this huge error and my payment due became overwhelming. They cut off the usage of my account. Had they not been neglectful and honored the agreement which would have brought me current in XXXX, I wouldnt have had to join and would have gotten approved for my refinance mortgage! Ive asked them numerous times to send me via mail and email the terms of the hardship program and they promised to do so and even this theyve neglected to do so. 

The problem is they hire overseas workers who are not properly trained nor know the American customer service protocols. 

Your help would be greatly appreciated. I need to get XXXX XXXX XXXX reversed from my credit report and also have XXXX XXXX XXXX XXXX credit all late and Finance fees to my account as promised. 

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

XXXX XXXX XXXX account XXXX, XXXX  account XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX this accounts above 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Yes. I have already put in a support ticket with binance.us # XXXX. 

I did an ACH transaction over 10 days ago. Per their guidelines, I should be able to withdraw or transfer {$5000.00} worth of crypto or cash. 
I have tried to transfer as well as withdraw any amount from {$5000.00} down to {$500.00} with ZERO ability. 

It gives me a message saying 'your funds are partially frozen, etc ' 1- It is well past the 10 day deposit hold for ACH 2- Why am I not able to withdraw?

3- Binance.US currently has thousands of customers with the same complaints on XXXX, XXXX, XXXX, etc. Customer service doesnt answser the phones or respond to emails. 

This organization needs to be investigated and shut down. 

I want this to be resolved otherwise I am getting a lawyer involved for class action lawsuit.
Product: Credit card

MY ADDITIONAL CARD HOLDER LOST HIS WALLET AND HIS CARDS WERE STOLEN HIS XXXX, MULTIPLE XXXX XXXX, XXXXXXXX XXXX CARDS WERE STOLEN FROM HIS WALLET AND MISSING FROM HIS WALLET THE CARDS WERE USED IN KANSAS, AND UTAH AFTER THE FRAUD INVESTIGATION WAS OPENED THEY CLOSED MY ACCOUNT THIS IS UNACCEPTABLE. THIS ACCOUNT NEEDS TO BE REOPENED IMMEDIATELY AND THESE CHARGES NEED TO BE REMOVED OFF THE ACCOUNT, I HAVE THE LETTERS FROM BANKS WHO CONFIRMED THERE WERE FRAUD ON MY OTHER ACCOUNTS AT THE SAME CARD THIS CARD WAS STOLEN, REMOVE THESE CHARGES! AND REOPEN THESE ACCOUNTS THIS IS NOT ACCEPTABLE.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for unauthorized and excessive credit inquiries on my credit report. The dealership 's actions have significantly impacted my credit score and violated my consumer rights. 

Incident Details : On XX/XX/XXXX, XXXX XXXX XXXX XXXX conducted multiple unauthorized credit inquiries on my credit report from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite my objections and warnings, the dealership repeated this behavior on XX/XX/XXXX, with additional inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In total, twelve credit inquiries were made within a span of three days. This number of credit inquiries is excessive and abusive to the consumer. 

Violations : Lack of Notification and Consent : I was not notified or warned that my credit would be pulled multiple times to this extent. This lack of transparency is a clear violation of my consumer rights under the Consumer Credit Protection Act ( CCPA ). 
Excessive Credit Checks : The dealership 's actions have resulted in a significant negative impact on my credit score, which is unjustifiable and excessive. 

Actions Taken : We worked with an individual named XXXX, who can be contacted at ( XXXX ) XXXX. XXXX was made immediately aware of the situation when XXXX sent me credit notifications. After being notified, and my feelings made clear, XXXX justified the behavior of the dealership 's financial office and claimed that it would not have a negative impact on my credit report. This all occurred on XX/XX/XXXX. Despite this, the dealership ran my credit a second time on XX/XX/XXXX, twice with the same credit companies in some instances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report. 

XXXX XXXX XXXX ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by XXXX to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with Equifax, XXXX and XXXX as well as XXXX, but in each case credit bureaus have reported that XXXX 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by XXXX.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXXXXXX XXXX Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXXXXXX XXXX XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is about 2 months behind on accuracy on one of my credit card accounts, XXXXXXXX XXXX. This is causing my credit score to report much lower than it truly is. This issue started when XXXX XXXX  switched my card from XXXX to XXXX 6 months ago. I've reached out to Equifax but they did nothing to rectify the issue. Isn't this a violation of the Fair Credit Reporting Act?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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: Credit card or prepaid card

On XX/XX/XXXX, I won and paid for a XXXX XXXX XXXX XXXX '' laptop on XXXX. I paid using my Chase credit card in two transactions {$1400.00} ( for the item ) plus an additional {$120.00} ( for the tax ). I picked up the XXXX, foolishly trusted the seller and took the XXXX home. I went to turn the XXXX on the following day ( XX/XX/XXXX ), it would not turn on. I contacted the seller via ebay as well as their email address ( on their business card ) on XX/XX/XXXX because I allowed the XXXX to charge overnight. No reply. I again contacted them on XX/XX/XXXX, XX/XX/XXXX and no reply. I contacted Chase. They advised they would open the dispute ( 2 ). XX/XX/XXXX Chase sent a noticed telling me the merchant said they spoke to me and I made a mistake opening the dispute, that was a lie. The noticed said " If you want to continue with the dispute, sign and return and we'll go forward '' ( in short ). I sent a secure message thru the app noting that Id like to continue with the dispute. XX/XX/XXXX I received notice from Chase stating they are considering the charge for {$1400.00} valid. I called the specialist on the claim and he stated he had no received information he requested of me. I advised him I sent all info in. He asked that I re-open the claim and fax the information I have to a fax number. I did that right away and was given a new claim number. On XX/XX/XXXX, I received notice that they approved my claim for {$120.00} ( the 2nd charge ), and credited my account. On XX/XX/XXXX, I received notice they denied my claim for {$1400.00} and that charge is valid. I called XXXX, the specialist to discuss and he advised they never received the faxes. I have proof the faxes were successfully uploaded. I begged him to look for them. He said he will have someone call me back. I have no faith. I am getting the run around and it is not fair. I am stuck with a broken {$1500.00} computer and Chase will not help me. Please, I have all paperwork and proof of everything. Please help me get my {$1400.00} back. 
These are the dates I have spoke to XXXX the claims XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a few more. 
These are the dates I have attempted to reach out to the merchant before opening the any dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... .all had no reply to them. 
Please take note, when I opened the claim, it has 2 disputes because the computer was paid in 2 separate charges. Why would they approve one charge and not the MAIN one?
Product: Credit card or prepaid card

I was contacted by text message XX/XX/19 at XXXX AM from XXXX stating FRM : XXXX- Call XXXX SUBJ : Crucial Information. MSG XXXX # XXXX. I called this number and later realized the initial greeting stating " People 's United Bank   XXXX XXXX  ''. A recording advised my account was suspended and needed to be reactivated. I was on the phone for about 2 minutes and the automated system asked for my bank card number and social security number. I became suspicious and immediately hung up. I then called XXXX ( the number on the back of my card ) and they were not aware of any security breech, the bank was also unable to locate the number I was texted XXXX. The representative called the number as well and indicated that this company is not affiliated with XXXX.
Product: Credit reporting or other personal consumer reports

Credit bearau is illegally reporting information on my report without my consent or my authorization and the item must be removed by law
Product: Money transfer, virtual currency, or money service

Hello, I initiated a wire transfer from my U.S. based bank last Thursday ( XX/XX/XXXX ) and received confirmation that it was successful on Friday, XX/XX/XXXX. 

The reason I initiated the wire transfer is because I thought it would Be faster according to the coinbase website. However it 's taken just as long as an ACH transfer Would have taken ( although funds are still not in my account ). 

When I called about this initially on Monday I thought I had given plenty of time, and the institution rep also agreed. She stated that she saw the funds but would need someone in processing to " manually '' place in my account. I asked for a transfer number and she stated that once I reported the ticket, I could not call in to speak with anyone, and that my only recourse is to contact them via email. 

That 's fine, however they do n't respond back to emails for several days at a time. Unfortunately, this has cost me more money then I transferred due to the changes in Bitcoin prices. The company is called coinbase and they are under federal regulations, but this financial institution has processes in place to directly prevent customers/clients from being able to speak to someone. 

While they have my money they are collecting interest on funds that should be in my possession. 

Unfortunately, I learned of this companies inability to cope with their current customer demand too late and have now suffered a fate of uncertain action. Maybe I 'll get my money? Maybe I wo n't? But this company would rather not deal with customer complaints. 

This was a u.s. to u.s. wire transfer with a successful confirmation number. Is it legal for a company to hold your wired funds for a long period of time that they determine? Is it legal to put processes in place that prevent contact by customers/clients? 

There are thousands of complaints against this company for holding customer funds for no reason. 

Please investigate this firm!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit card

I was excited to become a member of Citi XXXX Signature with a Costco Anywhere XXXX ( R ) card. I am happy to take part in the higher cash-back for gasoline from the old Costco credit card. The card started on XXXX XXXX, 2016 and I set-up my account online on XXXX XXXX, 2016. That is when I entered my bank account number for the auto-pay. I am also appreciative of the very nice letter that was sent to me returning my late payment fee. 
The problem that occurred is that the auto-pay sign-up did not occur properly. The next problem is that I never received a paper statement. The first paper statement I received was XXXX XXXX, 2016. The company called the first payment late after 17 day of me becoming a member after the XXXX XXXX, 2016 start date. The first bill was due without a statement being mailed. I was waiting for this statement to find due dates. 
Now that the auto-pay is set up probably ( Confirmation # : XXXX, XXXX ), the first auto-pay will occur only after the XXXX XXXX, 2016 was missed ( " Your first AutoPay payment will be made on : XXXX '' ). I have since changed the auto-pay date to be three days ahead of the due date ( Confirmation # : XXXX ). I am being charge interest for what I have already charged and will be charged interest for the next two billing cycles. With this policy, I will have to pay every week to keep the interest down. My account is now up to date ( paid on XXXX XXXX, 2016 the past due amount ) and I just made an early payment ( Payment Confirmation : XXXX ) to meet the XXXX XXXX, 2016 payment and keep the interest down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an XXXX XXXX XXXX XXXX XXXX XXXX XXXX   representative in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX United States ask me for some information including my name and address, she did not inform nor did I give consent to have a credit check, and now there is a hard inquiry on my Equifax Credit Report .
Product: Mortgage

transunion credit reporting refuses to correct a mistake even though documentation proves otherwise.
Product: Debt collection

Radius Global Solutions Is contacting me for XXXX. Im getting sick of this lie that collection agencys say. That if they dont hear from you they will assume the debt is valid. This is so not true! But they have been getting away with saying this lie. My house payment went up and light bill. Which is why I could no longer afford the payments.
Product: Mortgage

I submitted my loan application with XXXX Mortgage. The loan officer, XXXX XXXX, quit her employment with them and started working at GMH Mortgage. She took my financial information without my knowledge and pulled my credit with GMH. When I was notified my credit had been pulled I called GMH and talked to the XXXX. He assured me the inquiry would be immediately taken off my credit so I told him I would not pursue further action. I just had my credit pulled from another company and the inquiry is still on my credit report. The information below is copied/paste from my credit report. She pulled my credit without any authorization or verbal approval from me to do so. Her XXXX. 

Account name XXXX Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Address identification number XXXX Comments Real Estate on behalf of GMH MORTGAGE SERVICES LL. This inquiry is scheduled to continue on record until XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They added a XXXX card with XXXX debt on it to bring my score down 40 points. I disputed the card, they agreed it was a mistake, took it off, now my score dipped again.

I have 0 credit card debt, a positive bank account. No late payments in a decade this is their mistake causing my credit to dip which is negatively affecting my ability to buy a home
Product: Credit card or prepaid card

I received a promotional offer for the American Express XXXX XXXX card. After the statement closed, it showed I had earned XXXX XXXX  points. I waited and waited for the points to post, and they never did. I contacted customer service on a daily basis and nobody could give me a straight answer. They seemed clueless. I want my earned XXXX   points to be transferred to my XXXX  account immediately as advertised. This constitutes false advertisement by American Express and it is a practice that if continued, would be exposed as much as possible on social media and with their executives so that as many people as possible are aware of your deceptive tactics.
Product: Debt collection

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that CAINE & WEINER is still reporting this fraudulent information to my XXXX and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last week Ive been trying to dispute inaccuracies on my pro collection account on my credit bureau reports EQUIFAX AND XXXX. The account been repeatedly showing an updated payment history which should NOT include a payment history of late payments. A collection is a derogatory by default. The company does not agree with the violation and refuses to remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off
Product: Debt collection

Someone is using my identify. I never own an account with the creditor. 

The debt collector is refusing to verify the debt and a harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

D espite the evidence I have provided indicating that the Collection Agency    XXXX   XXXX   XXXX   violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX  /2016  and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /   2016 after  I was notified about it on  XXXX / XXXX /   2016  -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency assig ned to it.