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

the Experian credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.
Product: Money transfer, virtual currency, or money service

I have been trying to log into my account with Coinbase XXXX for over a year. You can never get a hold of anybody when you call. The wait is over two hours. You cant send an email unless you login. Since I cant login, I cant send an email. She said I have to check with my Internet company and they said there is no problem. I get codes from several companies every week. The only trouble XXXX having is with Coinbase. They verify me and wont give me any information about my account. They say I have to login. I tell them I cant login. So theres no way for me to get money because they wont send it to me. After you login, they take you to step two verification code. It never sends out a code. You click resend and you never get a code. The lady admitted to me that a lot of customers have a problem with this, yet theyve done nothing to fix it. She said she gets a lot of angry calls. The problem is you cant login, they wont tell you anything about your account, you ask him to sell everything and just send the proceeds. They wont do that. They have you hostage, both you and your money. They should not be able to treat customers like this. I have no way of getting my money back except for your help.
Product: Vehicle loan or lease

I received a phone call from Honda Financial Services from a customer service representative who basically read me my last rights on keeping the vehicle. I explained to her that Honda Financial disabled my account access preventing me from logging in to make electronic payments. This made the situation worse because they were not mailing me bill statements in order to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND XXXXXXXX XXXX   XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove incorrect addresses off my credit report. 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In addition, The show several incorrect accounts ; This is the Final Demand If all of the information which I have disputed from XX/XX/28, XX/XX/28, XXXX is not removed from my credit report. I am filing legal proceedings in Court with an Attorney. 

XXXX Bankruptcy Court GA XXXX ( two different inquiries ) XXXX Bankruptcy XXXX GA XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX real estate Child Support -Collections account, Insurance claim, government claim or terminated defaulted XXXX XXXXXXXX XXXX XXXX  This information is incorrect. I have sent paperwork showing several items are invalid, inaccurate reporting, and showing I owe a balance. Information on a credit report which is wrong is supposed to be removed. Your reporting should be accurate and Valid. XXXX and XXXX  is not reporting the same information. It is impossible for all three credit bureaus to be accurate. This is my final request. All efforts to have you accurately reporting information on my credit file should be reported with accurate information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to respond to my credit report dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed a formal dispute letter via certified mail with return receipt/online submission regarding inaccurate information on my credit report. According to the FCRA, the credit bureaus are required to investigate and respond within 30 days ( or 45 days if additional information is requested ). However, as of today, XX/XX/year>, I have not received any response or update regarding my dispute. 

This failure to respond in a timely manner is a direct violation of my consumer rights under the FCRA. As a result, I am requesting immediate action to resolve this matter, including : A formal response regarding the status and outcome of my dispute. 
Removal of the disputed items due to the bureaus failure to verify them within the legally required timeframe. 
Confirmation that my rights under the FCRA are being upheld. 
I have attached copies of my original dispute letter, proof of mailing, and any supporting documents for your review. I request that the Consumer Financial Protection Bureau take appropriate action to ensure compliance with federal law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sent my daughter XXXX dollars. Chime advertised that you don't have to have an account to receive money. When my daughter tried to add the money to her bank card she was denied access to the funds. She then send a text message to chime letting them know what problem she was having and was told that she would need to open an account in order to receive the funds. I she did not want to share her information with them. And they said they would send my money back to my account immediately. It never happened. So I called a chime number off the internet and explained what was going on. They said they could help me get my money back on XX/XX/2023. The person asked me to verify my information and amount of the transaction. And I told them. This person. They then proceeded to transfer my money from whereever it was held back to my account. Within minutes I saw them transfer money back to my account and then transfer my money from my account to XXXX XXXX XXXX account. I ask what they were doing and why did them send my XXXX dollars to that account. I got hung up on for the rest of the night. I then tried to file a complaint and ask for a refund and they told me they would investigate and that I was eligible for a refund only to send me a message in 2 days saying they investigated my complaint and they would not be giving me a refund and they would close the case and sent me paperwork of there findings. They said they did not find anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$560.00}
Product: Money transfer, virtual currency, or money service

I've been using PayPal for some time. And I'm a XXXX with. paypal. And then I suddenly I'm running into problems. I verify my identity on numerous occasions and the transactions. But today, for some strange reason, they shut down my account and won't give me a reason why. And the only assumption I can assume is that when I transferred {$1000.00} out of my PayPal account. to two friends that live close to a bank to go deposit my money into my passbook account savings account. PayPal gives me a stupid notification saying that after review or limiting your account and you can no longer use paypal. So I call customer service. The gentleman is telling me. all the things that I know about but they're not telling me the reason why he's telling me. Oh, you don't know the law when I do know the law because I used to practice the law. And I'm telling them to pass me to somebody higher up than him. And he's refusing to do it. And I explained to him that as a XXXX, I'm into the business of making money, not losing money. And numerous people complain about PayPal And then I'm finding out a lot of other things about PayPal being hacked. Well, the people that sit above us, the Board of Directors, are spending the money. On their personal gain. And there's no way of getting all their corporate office. So I emailed the investment relations department. PayPal should be mindful that every department in that PayPal should be reachable by telephone, including someone that sits in the corporate office. Not just the customer service telephone number you call and so on and so on. But they closed my account for reason. They won't give me. But like I said, I can only assume it's because of the two transactions I did. Then I did a wire transfer to my bank on XX/XX/XXXX. Go ahead and behold that, they stopped that transfer. And they won't tell me why. Paypal remind should be dealt with in the Court of law, which they've been to court numerous times in the XXXX XXXX. Should take a look into them too. But I'm getting ready to file out a complaint with the Consumer Financial Protection Bureau. And my attorney general 's office. And whoever, what we need to do. Is come together and file a big, major lawsuit against them because their security system XXXX. Their security system kicks in when it shouldn't kick in. That's our money. If we want to transfer to XXXX and not to a XXXX organization, then we should be allowed to transfer our money to whoever. Because two of my banks. Wait, let me correct that. Three of my banks refused to let me use my PayPal card with them. Basically, PayPal is a scamming company money transfer company. And they should be out of business completely. And the CEO should start taking serious to these complaints that people filed.
Product: Credit card or prepaid card

I dont underestand why synchrony bank closed my card for purchase and my minimum monthly is increased this bank is a XXXX  bank I ever work with today I wanted to pay off the account and I noticed all these problems I asked for a refund do to a unauthrorzed charges and nothing happened just my account is closed for purchase very odd
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit on XXXX XXXX  and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX and other from XXXX neither of which I have ever done business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies with Equifax on my credit profile even sent documents via fax, email, electronic and their own upload portal all the credit bureaus were notified that my information was leaked through Equifax and they fixed it but Equifax refuses to do so I have well over 22 inquiries not belonging to me and continuing I also made all bureaus aware of my correct name and address I just recently had a Adverse reaction to employment in my line of work because it was reported that I have four other spellings of my name and the state of my license is wrong I live in Florida not Texas. 

Can a lawyer be recommended for me Im at lost for words I have done everything the fact that I cant get a good job in my career and the fact that I cant even own a home at my age I have had to continue to live in expensive apartments because Equifax refuses to remove anything I call they would tell me ok and then I check back in like a month or so all the wrong information is still reporting. 

Because of Equifax my data was breach Ive been invested in getting it all clear the other bureaus have made changes after getting my documents and Equifax refuses. 

I cant catch a break my kids are grown now and will never know what it means to grow in there own home thanks Equifax for all the trauma weve been through.
Product: Credit reporting or other personal consumer reports

1.The following personal information is incorrect 2.PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX 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 XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I took out this loan on the internet as a short term loan to get my business going for my busy season. I thought I understood the terms interest rate and the due date. After paying direct debits through my bank account for six months I was surprised to see the loan balance was the same amount. When I called them I asked why the payment came out on different dates. They explained something I still do not understand. My understanding was that the payment was due on the XXXX of each month but that is not the case. 

I told them that was not the way it was presented to me and that they should back date all my payments to the XXXX of the month. I have never missed a payment over 1 year and have only paid {$100.00} off the Principal. 


I feel like this loan was misrepresented to me and I now see there is no way I am able to pay it off in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 1 negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

The website and question is called XXXX, I sold some personal items on there site and once the customer received the items, they refused to pay siting that I was and eligible to withdraw funds due to some technicality that was buried so deep in their paperwork no one would ever see it. I don't even know what it was they wouldn't tell me. But they kept almost {$400.00} a money. I've reached out a customer service multiple times but the only response I get back from them it is " you violated the terms '' they refuse to pay me the money I'm owed or return the product that I sold. They have made money off of my personal items and scammed me, didn't pay and then closed my account so I couldn't accs the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

To summarize : On XX/XX/XXXX, a XXXX XXXX loan officer ( XXXX XXXX, District Sales Manager | NMLS # : XXXX ) located at XXXX, California, pulled my credit report without my consent. 

Here are the details : On XX/XX/XXXX, we gave permission to XXXX XXXX to pull our credit report in order to get the pre-approval of a mortgage as we are trying to purchase our first home. On XX/XX/XXXX, we got the pre-approval valid for three months. 

We also talked to a loan officer from XXXX XXXX XXXX. He told me, once the bank pulled the credit report, and issued the pre-approval, and if we get the mortgage within 120 days, the bank won't need to pull our credit report again. So we assumed it's the same for all banks. As the rates offered by XXXX XXXX is significantly lower than XXXX, so we decided to go ahead with XXXX XXXX instead. 

We decided to move forward with the house purchase. So today, I called the banker, and told him we are going to write an offer for our dream house this weekend, and whether he can move our pre-approve to underwriting for a more formal review. He said yes. And he never mentioned about the need to pull our credit report again. And later in the afternoon, he emailed us that he can no longer provide us the mortgage because our credit score dropped below the minimum requirement. I logged into my credit report account, and noted, because of his inquiry without my permission, my credit score dropped by 10 points! And I was furious. How can the bank go ahead and pull my credit report without my permission? He just pulled the credit report less than one month ago and my pre-approval is valid for 3 months. Even if it is XXXX XXXX XXXX internal policy to pull the credit report again, he should have at lease let me know and get my permission. If I knew he needs to pull my credit report again, I would never chose to work with XXXX XXXX. As I know there are other banks ( for instance, XXXX ) out there who do not need to pull the credit reports over and over again! 

Me and my husband were planning to make an offer for our dream house this weekend, but now with this unpleasant incident, I don't know whether we can make the offer or not! We waited for so many years to purchase our first home. And now because of an illegal credit inquiry, we may loose the opportunity to buy my home. I can not accept this. 

Please help me and my husband look into this. We really need this to be resolved as soon as possible. Thank you so much!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am inquiring about my account with the name of XXXX XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2014 ( 10 years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.
Product: Prepaid card

I received an AMEX gift card. I went to https : //balance.amexgiftcard.com/ to see my balance. The full balance was present. 

On XX/XX/year>, I attempted a purchase on XXXX. I entered the card number, the expiration date and security code. The card was declined. 

On XX/XX/year> I attempted a purchase on temu.com. I entered the card number, the expiration date and security code. The card was declined. 

On XX/XX/year>, I tried to buy pizza at XXXXXXXX XXXX online. I entered the card number, the expiration date and security code. The card was declined again. It only went through when I used the card in-store. 

I used the card at XXXX, a grocery store. It was an in-store purchase and it went through. 

I tried to add my AMEX gift card as a payment on XXXX on XX/XX/year>. There is a pending charge of {$0.00}. Today is XX/XX/year> and the charge still has not gone through. 

On XX/XX/year>, I attempted to purchase XXXX XXXX XXXX  XXXX XXXX XXXX I entered the card number, expiration date and security code. The card was declined. 

After several days of declined purchases online, I called customer service on XX/XX/year>. I was told to keep trying other online merchants until the card worked. I asked for a list of online merchants where the card is valid. Again, I was told to keep trying other online merchants until it worked. 

It says on the AMEX gift card website that this card can be used in-store and online. All of my online transactions were declined so this is not true. 

Many people have been reporting this problem last year and this year.