23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently opened an account and I can't get online access. I have tried XXXX but no response. I have called and spent over 4 hours on hold and the one time someone did pick up they immediately hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

So, I opened an XXXX Credit card through Comenity Bank. They make it to where you can't pay in person, only via their website or phone. There have been multiple occasions where I made the payment on time, but there was an issue with their servers or for some reason it wasn't processed. I don't have good cell service where I live, so I could only pay it via online. They charge all these " late fees '' because there were " technical issues '' on their side. My limit was {$200.00} and despite everything I paid including all the late fees, I owe {$600.00}. This was also settled but then the bank opened it back up and sold the collection. XXXX will not send me the entire transaction history for this account. They send me a couple random dates? This has ruined my credit and made my life as a single mom very hard.
Product: Debt collection

Periodically I would receive past due notices when he missed a payment and I asked him about it sine the notices had his company name. He claimed he had no idea how my name was attached to his loan and promised to correct it. Months later I received a letter again from the loan agency demanding I pay {$53000.00} to pay off the loan, I decided to request what information they had and they sent a document that showed my signature which was copied twice ( exactly the sane way ). The loan agency doesn't have my social security number but the do have my name and address. I contacted them before it went into collections and they tried to get my social security number of which I refused to provide it. Now that it is in collections they provided more information but it is obvious that my signature was copied. I have known XXXX XXXX for over XXXX  years and now I have no idea if he is alive or dead as he will not contact me. His company name was XXXX XXXX XXXX and I did some contract work for him years ago but was never an officer of his company. I am afraid the lender will step up their process to collect from me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I hope this message finds you well. I am writing to highlight a concerning discrepancy in my credit report related to inaccurately recorded late payments, which have adversely affected my credit standing. The companies linked to these accounts have acknowledged their faults and committed to rectifying the errors by updating my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that caused erroneous reporting of late payments. 
It is perplexing that, while other credit bureaus have corrected the status of these accounts, your bureau continues to report these late payments. This discrepancy raises concerns about the verification protocols used by your bureau to ensure the accuracy of reported information. 
Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX
Product: Debt collection

when i check my credit i notice Experian was reporting unlawful account that was a charge off but still reporting as late payment as well as abundance of other violations which lead to me having MENTAL ANGUISH DAMAGE and Aggrieved Party. 15 U.S C 6805 along with 16 CFR 313 16 CFR 433.3 17 CFR 424. This account has been reporting inaccurately since XXXX of XXXX, and was scheduled to continue to report until XX/XX/XXXX as a Charge Off XXXX states that this is a Certificate of Indebtedness.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the company early warning with no results. I have sent them documents supporting this was not misuse of my account.
Product: Credit reporting or other personal consumer reports

These three cases are currently in legal litigation/court, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amounts of XXXX XXXX XXXX XXXX and XXXX $ I have attached ftc report and information about the accounts attached I have also police report of identity theft with XXXX police department XXXX NC I ask that these accounts be removed immediately and fix my credit profile to reflect its correct status due to consumer financial laws
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Citi that my credit card had been closed due to inactivity. I did not receive prior notice of this event, and was surprised because the expiration date on the card was for the year XXXX. I called Citi to reverse this, and was told that the reversal process would create a " hard '' credit pull on my credit history, and the reversal was not guaranteed, but would be essentially reapplying. I have several concerns : 1. An unexpected loss of a line of credit ( which could be needed in an emergency ). 2. A hit to my credit due to reapplying and a hard credit pull. Also, this is my oldest credit cards, and I know this factor is taken into account in determining my credit score. I worry my score may further drop without this account 's longevity. 3. As there was no prior notification and the expiration date of the card stated out into the future ( XXXX ), I feel there was no reasonable way I could have prevented this card 's closure. I asked what Citi 's policy was on inactivity, and they could only vaguely state it was something " after a few months of inactivity. '' How can I guess what this vague statement means? I believe this may fall under the purview of UDAAP related regulations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my updated personal credit report and noticed that unauthorized credit inquiries remain. It seems my credit has been compromised under your watch. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the companies listed below, requesting them to remove these unauthorized inquiries from their records and all credit reporting agencies. They assured me they would comply. Each company received a certified letter indicating the inquiries were unauthorized, and I asked for their removal. I am requesting immediate deletion of the unauthorized inquiries listed below. The purpose of this complaint is to address several unauthorized hard credit inquiries on my credit report. There are still FOUR ( 4 ) unauthorized inquiries listed. Enclosed is my new FTC report for your reference, number XXXX. I am disappointed by your lack of action. When will the XXXX and Experian remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Also, I am requesting the XXXX to please remove these inaccurate addresses from my credit report as well : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a notification that if these inquiries are not removed from my reports, I will be filing a lawsuit. My attorney is aware of my intentions and is ready to hold you accountable for noncompliance. This is the XXXX 's and Experian 's FINAL NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my credit report. I noticed multiple unauthorized inquiries on my credit report. I contacted the XXXX major credit bureaus such as XXXX, Equifax, and XXXX about the problems and even the creditors as well but none of them seem to help out in this process but to give me information how to dispute the inaccuracies. I contacted all parties involved via certified mail asking for validation or verification of these unauthorized inquiries neither party has produced any evidence or documents that I gave my permission to these inquiries. Then I requested that the inquiries be removed from my credit report or that they produce documentation for the inquiries both creditors and CRA 's such as XXXX, Equifax, and XXXX but none was able to produced any documents or validated the inquiries. now some creditors I was not able to reach due to not being an account holder with that creditor. Heres a list of the unauthorized inquiries and dates as follows : 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 XXXXXXXX, Equifax credit report 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 XXXXXXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still 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 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I reviewed my credit report and discovered the following from Account : XXXX XXXX XXXX Account number : Not reported Amount allegedly owed : XXXX Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money First credit services. isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor May not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Product: Student loan

Its been over a month, Ive called and emailed several times about how my recent payment wasnt applied to the correct loan and the lender refuses to answer my emails or fix it.
Product: Debt collection

bmo did not respond to me verifying the debt but told me they sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX i sent a letter to XXXX XXXX telling them to validate the debt, they did not answer me, i then received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX telling me XXXX XXXX sold the account to XXXX XXXX. I asked them to validate the debt and got no answer. 

A company can not legally sell the same debt to two different debt collectors at the same time. When a debt is sold the purchasing debt collector gains the legal right to collect on it. If a company were to sell the same debt twice, it could result in legal disputes and violations of consumer protection such as the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined
Product: Checking or savings account

My debit card wasnt working so I called my bank they informed me the my account was being closed. I said for what they wouldnt tell me and I said what about my momey thats in my account they didnt answer the question. But I was still getting text from the bank about my balance. So I have not been able to get any of my money thats in my account XXXX cant put gas in my truck get food nothing. They said I would receive a letter in the mail. But would not answer me about my money. And apparently I received a deposit because my balance went up. So if my name account is closed why are they excepting deposits
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am very concerned that an account I dont recognize is reporting in my consumer report. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Please delete immediately I am not liable for the account XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase containing Bitcoins ( BTC ) currently valued at more than {$100000.00}. Despite a history of transfers of money between my Coinbase account and my bank account on numerous occasions, Coinbase suddenly and erroneously froze my Coinbase account without explanation more than one month ago. I am prevented from selling, buying, transferring or accessing my property and also cutoff from all transaction history and other information.

After repeated prompting via emails and phone calls, Coinbase advised me that I am locked out of my account as a result of a security software error on their end and that they would look into it. That was a month ago. My Coinbase support account will show email after email ( all initiated by me ) attempting to engage Coinbase in basic dialog during this time so that Coinbase might solve this technical error. Similarly, the support records will show numerous calls ( all initiated by me ) to Coinbases phone support. At no time has Coinbase proactively contacted me, followed up or provided any meaningful response or made any attempt to fix the errors in their system in order to provide me with access to my property. Each email and call results in the same thing -- a form response of " we will get back to you. '' Coinbase does not get back to you.

During my most recent call with Coinbase, I was advised that the department that can handle the required technical fix is also the department processing new customer accounts and is very backed up with its new business endeavors. This is obviously ludicrous on its face telling an existing customer that a minor technical issue that is cutting him off from his property can not be timely handled because Coinbase would like to increase its influx of new customers. Any broker or bank or other online service would have dealt with this issue within five minutes during the initial phone inquiry.

I believe Coinbase has engaged in fraud by knowingly marketing a service it knows it can not actually provide. Coinbase markets itself as an online wallet and vault in which to safely store and use your Bitcoins. However, as shown by my situation and hundreds and hundreds of similar complaints from other users, they do not have the actual ability at this point in time to provide their services at a basic, commercially reasonable level. And Coinbase knows this. Coinbase knows it does not have the infrastructure to timely and adequately meet customer needs. They do not have the necessary resources to address even the most basic customer inquiries or to address technical issues arising from their system. Yet Coinbase continues to bring in new customers, which will only exacerbate their inability to provide the services they are selling. As a result of their inability to provide the promised services, Coinbase effectively cuts off consumers form their rightful property and forces risk of loss and lost profits on the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX acct XXXX XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT # XXXX I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
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.