23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Good morning : Coinbase disabled my digital wallet without any evidence and they don't even let me withdraw the money I have stored. 

I have already tried to contact the company but they do not answer me. Is there any way that you can help me? 

Thank you for your time.
Product: Mortgage

There was a court ordered stipulation that the bank is not following. I have been writing to get the account corrected since XX/XX/XXXX and yet they ignore my requests. XX/XX/XXXX, yes XX/XX/XXXX, I submitted another request to have them investigate. I just received yet another letter dated XX/XX/XXXX that they are still addressing my concern and conducting research, however I just received documents for pre-foreclosure. The bank has not properly serviced this loan and is in contempt of court. I need the account corrected to reflect the agreed terms and to cease their foreclosure action until they can update their records properly!
Product: Credit reporting or other personal consumer reports

IN REGARDS TO SEVERAL ACCOUNTS ( accounts listed below ) I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that the referenced accounts below account be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts : XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$5200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX XXXX Account type : Collection Department/Agency/Attorney Date opened : XX/XX/XXXX Payment status : Seriously past due date/assigned to attorney, collection agency, or credit grantor & apps ; internal collection department Status updated : XX/XX/XXXX Balance : {$400.00} Balance updated : XX/XX/XXXX Original balance : {$400.00} Terms:1 month
Product: Credit card or prepaid card

I applied for a Citi AAdvantage Executive World Elite Mastercard at a Citibank branch on XX/XX/XXXX and the application was denied. Days later I received the letter and the reason it's as follow : " We received notification from another Citi business that your relationship with Citi has been reviewed and it was determined that we can no longer service any accounts for you '' The reason my application was deny it's vague and doesn't say specifics when The Equal Credit Opportunity Act provides that all consumers should have an equal chance to obtain credit. It requires the creditor to explain their reasoning when denying a credit application. 

As well as the Act requires that the creditor provide the denied applicant with a notice that explains exactly why the application was rejected. The Act also requires that the denied applicant has the opportunity to request an explanation if they ask within 60 days. 
Onviously the card I receive has no valuable information and none was provided by me when I called some different departments at CitiBank.
Product: Debt collection

Upon reviewing my XXXX and XXXX Credit reports, there are XXXX XXXX accounts that have been placed Debt Recovery Solutions for collection. Both of these accounts have an open date of XXXX XXXX, 2014, XXXX with a balance of {$1300.00} and the other with a reporting balance of {$780.00}. These accounts I am unaware of and they do not belong to me. Im also uncertain of how XXXX extremely high balanced accounts can be opened on the same day? I never signed or authorized any services from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of my consumer report from LexisNexis and received a response that they are unable to process my request. They don't provide any information regarding how to fix the issue other than stating that additional documentation can assist in authenticating my identity, however is NOT required for a consumer to request their file. I provided additional documentation as suggested, however the response I received was the same form letter as what I received the first time with no information regarding why my request could not be processed. The Consumer Number on the letter is XXXX and the XXXX XXXX is XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX, I bought a truck with Toyota motor credit and they added optional packages to the loan without me knowing about it. When I found out, I wanted to cancel with them at the dealer and they didn't. I called and they didn't give me a solution and that affected my credit. 3 months I changed the car and they removed said packages adding them to a new loan from another car which they did not notify me of said products added to the loan which made my payments higher than unusual which affected my credit and increased the APR of the loan In XX/XX/XXXXXXXX  I changed the car again and they added said extended maintenance package which I had to call and canceled but they told me that my payment would not go down they only added the balance to the main balance of the loan which affected my credit score even more which continues to affect
Product: Student loan

Navient was satisfied in full and paid timely. However, currently reporting five-30 day late payments. spoke to a rep that confirmed that this should not be the case. apparently, their was some inaccurate XXXX dollar charge.
Product: Credit card

On XX/XX/XXXX, I contacted CapitalOne regarding a transaction where the count for an item on a receipt was XXXX, versus the XXXX received. I provided the information to CapitalOne as requested. This was after trying to work with the business ( food wholesale club BJs ) to get the issue resolved. 

On XX/XX/XXXX, after receiving a notice that the dispute was resolved in the business favor via a letter providing no details to why, I called again. I was told this should not be an issue, but I now need a letter ( with no guidance on what the letter needs to contain ). I provided a very brief letter. 

I was later informed again that the issue was resolved in the favor of the business. 

I have since closed my CapitalOne account as this was such a pain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 ( Complaint Number : XXXX ) was filed again XXXX XXXX /XX/XX/XXXXXXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation withXX/XX/XXXX and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXX XX/XX/XXXX ; contact my attorney General. I am in the process of purchasing a home & for the last 6 months Experian has been telling me to XXXX XXXX is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or XXXX XXXX is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. XXXX is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.
Product: Credit reporting or other personal consumer reports

I hired ironclad law back in XXXX. Never returned my call after the initial phone call. never requested any paperwork for me to file the lawsuit. I made numerous calls to them to try to speak to a person. No one ever returned my phone call so I canceled the service and reported them to XXXX XXXX XXXX  and I started getting bills from XXXX XXXX I contacted a XXXX back in XXXX disputed the charges said this is not anything that I signed up for and they have just kept building me ever since.
Product: Credit card or prepaid card

I am reporting a highly predatory practice from Synchrony bank and hope you can assist to get the issue resolve to eliminate or moderate the high interest rate. Synchrony provided a credit account with low interest grace period. I have been paying more than adequate amount monthly on time during that period. When the end of grace period was approaching, Synchrony XXXX sent any notification letter as reminder. Now, XXXX weeks after that period, it charges me XXXX XXXX XXXX interest of the entire balance starting from XXXX months ago. Ive called the support service multiple times and its customer account service individuals were not helpful and demonstrated no interest in getting the issue resolved in terms of lowering the rate and alternative way as I am willing to pay what is appropriate. Then I immediately paid off the remaining principal to show my good faith. However, when I asked the support individuals if there is any person/department who can help this again several times, the answer is big cold NO. All of those show the company has no interest to taking into account consumers interest. I can understand company would like to grow business by making more money, but I also believe in todays environment the company should also behave ethically to take some social responsibilities to build mutual beneficial relationship with customers instead of grabbing the money in ways it sees convenient, especially I am willing to work with them to get it resolved in this case. I really appreciate your time reading this message and hope you can help me to resolve this matter by lowering or eliminating high interest rate to protect consumers interests as I am paying more than {$11000.00} interest for a {$35000.00} loan ( currently all principals paid off )
Product: Credit card

On XX/XX/XXXX, I pre purchased a rental from XXXX for XXXX weeks. However on, XX/XX/XXXX I called XXXX XXXX XXXX and inquired that I did not need this car for this entire time period. I was instructed by XXXX to bring the car in and I would only be charged for the amount I used the car which was {$210.00}. I noticed that on my credit card statement it was still showing I was charged the full amount of {$400.00}. I opened my dispute with CITI on XX/XX/XXXX, where I was provided a conditional credit and they requested additional documents that I did not submit in time and closed my dispute and reversed my conditional credit on XX/XX/XXXX. When I called CITI on XX/XX/XXXX the representative informed me that she will reopen my dispute and for me to submit the documents needed to which I submitted the documents requested on XX/XX/XXXX. In the app it was showing that my dispute was still being processed. On XX/XX/XXXX when I called CITI about the status of my dispute as I have not heard from them they said on XX/XX/XXXX I was emailed a letter stating I was not overcharged and they closed the dispute without notifying me only that they sent an email. It should be noted that this whole time there dispute center in the app was still showing this claim was still in progress and no mention that it was closed or that a decision was made. Further, I submitted my receipts to CITI to show how much I was supposed to be charge and they can see in my account how much XXXX had charged me to and informed them I was not overcharged for my rental vehicle and I asked how they came to that decision, they could not provide an answer to me only that I missed the deadline to inquire anymore about this dispute and that I would need to settle it with the merchant and offered me a {$20.00} credit as a show of good faith. I was still overcharged for my purchase and CITI is not doing anything to rectify the situation.
Product: Credit reporting or other personal consumer reports

I was not presented any information in what was owed or information showing that it was me. No name, social, address, or contract stating or showing proof that it is me that owes. 
" XXXXXXXX XXXX XXXX XXXXXXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I recently received information from XXXX regarding a decrease in my credit score due to a 30 day late payment being reported from Ally Bank in XXXX. The collateral for this auto loan was a total loss reported in XXXX. Ally Bank was paid over {$30000.00} between the insurance claim and the gap insurance. I phoned Ally Bank today and was told that the late payment was accessed and reported to the credit bureaus in XXXX due to issues with the insurance checks - I was never made aware of any issues with these checks. By XXXX of XXXX, the insurance and the gap insurance payments were made to Ally leaving a {$1700.00} balance. When an attempt was made at the beginning of XXXX to pay the balance in full, their on line portal would not accept the payment - a phone call had to be made to pay the balance in full. Although the customer service agent did not want to accept the {$1700.00} payment because she wanted the payment made on line which we couldn't do she ended up taking the payment. After this payment was made, we received another notice of {$15.00} balance which was also paid. 

In closing, Ally Bank received $ XXXX between insurance and gap. Ally Bank applied these payments and the outstanding balance in XXXX was {$1700.00}. In XXXX Ally was called regarding payment arrangements for the outstanding {$1700.00}. Ally advised that they would accept a {$250.00} payment and then the remaining balance in XXXX. The {$250.00} was received by Ally in XXXX along with the final payment in XXXX. The account now has a {$0.00} balance. 

There was never an issue with the dates on the insurance checks which was the reason given to me today for the 30 day delinquency being reported. Ally agreed to accept a {$250.00} payment in XXXX and still reported a 30 day delinquency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. XXXX XXXX XXXX began accessing my consumer report on XXXX XXXX XXXX for an amount of {$430.00}.
Product: Credit card or prepaid card

During the fall of 2018, I had fallen significantly behind on payments on a credit card that I had with Elan Financial Services and had entered a payment arrangement with them to avoid having my account go 120 days past due and fall into " charge-off '' status. 

My account was set to go into " charge-off '' status on Friday, XXXX XX/XX/2018. 

Through no fault of my own, the first payment that I was going to make as part of the payment arrangement had gotten delayed in the mail and wouldn't arrive until the Saturday, XXXX XX/XX/2018. 
I called Elan Financial Services on Thursday the XXXX and Friday the XXXX to inform them of my predicament, provide them a tracking number for the envelop that I had sent the money order in ( as well as the serial number of the money order ), and see if there were any solutions whereby we could avoid having my account charged off. 
On Friday, XXXX XX/XX/2018 at approximately XXXX Eastern time, I was able to speak to a male supervisor at Elan Financial Services . This supervisor indicated that I had been misinformed about my account status and that the charge-off date was not until late XX/XX/2018 XXXX I do not remember the exact day that he told me ), and that as long as my money order was in their mailbox on Monday, I'd be fine. 

By Monday, XXXX XX/XX/2018, I realized that my account had in fact been charged-off so I called Elan Financial Services and spoke to a supervisor named XXXX ( her direct line is/was XXXX ). I described the situation to XXXX, who indicated that she would have to look into it and call me back. 

On Tuesday, XXXX XX/XX/2018 at approximately XXXX, XXXX did call me back to let me know that she reviewed all of the information and phone calls and that the male supervisor was indeed mistaken when he informed me that my account would not be charged off until late XXXX. Due to his error and the payment arriving late being no fault of my own, XXXX indicated that Elan Financial would not report my account as charged off/past due/delinquent to the credit reporting agencies. 

For the following two years, I have tried multiple times to have my credit reports updated, but it has not worked. I have disputed directly with the three bureaus as well as Elan directly, and they have made some changes, but my account still variously appears as delinquent/charged-off/past due ( depending on the credit reporting agency ) even though I have since settled the debt with them, hoping that this good faith move on my part would cause them to hold up to their agreement. 

I have been denied additional credit/increases on existing lines of credit multiple times since XX/XX/2018 directly due to Elan Financial Services not updating their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : DEPARTMENT OF LABOR XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.