23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I used my Chime prepaid debit card and deposited {$800.00} on my card in which I needed these funds to pay a deposit to get into a rental for my family and I who have been homeless the past few months, I added the funds to my chime card, within 24 hours there had been an {$800.00} purchase or authorization to a XXXX XXXX XXXX XXXX that was used without my consent or approval. Not only was my debt caed funds used bu my personal information was also used as a scam that someone obtained my info and used it to bail someone I don't even know out of being in jail. I disputed rtghus to chime resolutions and fraud deot. and they denied the claim and are not crediting the funds back to my account. my family is homeless due to this unauthorized scamming transactions
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX 
In addition, please remove all non-account holding inquiries older than 30 days and add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation? Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting 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.

and list of Inquiries.

1

5 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.
Product: Debt collection

This complaint is more of a good faith issue to remove harmful derogatory from my credit file. I have repeatedly as the collection agency to remove the harmful because the debt has been paid. I then called them and asked for the removal. The company was so negative and refused to help. This would help with the purchase of a new home if this collection agency can be removed.
Product: Money transfer, virtual currency, or money service

Coinbase Account Restricted : I've had my coinbase account for over 10 years but for the past XXXX or so my account has been under review. I don't understand why and I don't know how to get this resolved. 
My ticket number is XXXX, which I received after reaching out to chat help. The person on chat indicated that I would be getting email from compliance-kyc @ coinbase.com in order to unlock my account but I have not. Since then, I have communicated with them over email and social media and I have not received any information. 

I am in urgent need of my funds and Coinbase is holding it XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX credit report, I noticed billing errors under 15 U.S. Code 1666 ( b ).

Under the FCRA, creditors must provide at least 21 days ' notice before reporting a late payment. I did not receive this notice and request hard evidence from the creditors bank account proving I missed the payment.
Product: Vehicle loan or lease

in XX/XX/XXXX my XXXX XXXX XXXX XXXX XXXXXXXX was involved in a car accident accident. My insurance XXXX XXXX has paid out a total amount of approximately {$21000.00} to magnum collision body shop in XXXX, Georgia. The body shop and XXXX XXXX can not agree on amount Will take to repair my car. so the shop still has over {$10000.00} of my insurance money considering I can not pay the full amount to repair my car. I called my lender and asked for a voluntary repossession. The lender never picked up my car. They never help me get my car back and they are forcing the body shop to withhold my funds from me that the insurance company paid to me and I paid the.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Discover regarding a secured credit card account and the return of my security deposit. 
In XXXX, I applied for a Discover secured credit card and provided a {$200.00} security deposit. After XXXX months of unsuccessful attempts by Discover to deliver my card, I contacted them to cancel the account and request a refund of my deposit. 
It has now been XXXX months since I requested the cancellation and refund. Despite multiple inquiries, I have received neither my refund nor any information about its status. This lack of response and failure to return my funds is unacceptable. 
I am seeking your assistance in resolving this matter and obtaining my refund. If this issue can not be resolved promptly, I may consider pursuing legal action. 
Thank you for your attention to this matter. I look forward to your response and any guidance you can provide. 
Sincerely, XXXX XXXX
Product: Debt collection

I have been receiving repeated calls at my workplace from the phone number XXXX. In the last week, they called on XX/XX/XXXX at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, and XXXX, when I was finally in my office and I answered the phone, there was no repsonse, and they hung up. I returned a call at XXXX on XXXX/XXXX/15, and found that the number was for a Dillard 's credit card provided by Wells Fargo. I have never had a Dillard 's credit card. The system asked for an account number, and eventually ( when I did n't provide an account number, since I do n't have one ), I was connected to a representative, I provided the work number, she verified that I do n't have an account, and said a note would be created and the phone number would be removed. I then received additional calls from them at XXXX and XXXX on XX/XX/XXXX. Today ( XX/XX/XXXX ), I tried to call at XXXX to again request for the calls to stop but was told by the system that call volume was too high and they could n't answer my call. 

I have worked at this college since XX/XX/XXXX, so it is possible they have the number from whoever had the extension before me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation!

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.
Product: Student loan

In mid-XXXX ( around XXXX XXXX ) I applied for the SAVE application via the studentaid.gov website. I was finally able to get ahold ( XXXX ) of my loan servicer ( EdFinancial ) who said they take 30 business days to review applications. It has currently been 30 days, but in the midst of that I received correspondence from them stating they needed my Tax returns. I have uploaded them, twice, and the response was 10 business days for information. It has currently been 16 business days and I have received no response in regards to my SAVE application. If it was approved, it does not show on my account. If my application was denied, I have no official correspondence stating that. I am hoping to get resolution on my SAVE application and if it was denied, then I would like to know why.
Product: Credit reporting or other personal consumer reports

I request that Credit Acceptance remove this vehicle and all associated balances from my three credit reports, along with any accounts listed in my name. This request is due to the fraudulent alteration of the original account dates, which were changed from XXXX to XXXX for personal gain. Additionally, I want to clarify that I did not open this account and have never been in possession of this car.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There is a chapter XXXX bankruptcy on my report that I have been requesting a method of verification for. I sent a few emails through their system and also a certified letter. I have not gotten anything back from the company and it has been over a month now. This is also about my third time requesting this information
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED FRAUDULENT INQUIRES. 
TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX
Product: Mortgage

I have diligently applied for acceptance of a Loan Modification with XXXX XXXX/ LoanCare Servicer four consecutive times only to be denied. I had done the first modification on my own, then the last three by professionals including a Bankruptcy attorney. My income is {$6800.00} a month with mortgage payments of {$2100.00} including Escrow. I more than qualify financially for a modification. My attorney couldn't understand why the denial nor the professional loan modification servicing company. I need for CFPB to investigation XXXX XXXX/ LoanCare Loan modification process and procedures. Something is terribly wrong. They are moving quickly and forcing a foreclosure on my home.
Product: Bank account or service

I opened a XXXX Checking account with special offer code XXXX ... for which the offer was that after specific transactions were completed I receive XXXX mile credited to XXXX XXXX Advantage Account. 
I called in to open the account and specifically requested this special offer to the Customer Service Rep who opened the account with NO issues and NO disclosure that this offer was " targeted ''. The welcome book sent for new account opening even has the disclosure for the special offer program with the terms and conditions provided. 
Once I completed the necessary transactions I requested the Citibank validate the completion and provide an indication on the timeframe of the credit going into my XXXX Advantage account. I received an email back from Citibank indicating I was n't eligible for this promotional offer as it " targeted '' and they would NOT award me the points. At NO time during the opening of the account did the Customer Service Representative indicate this was a targeted offer and that I was not eligible to open account. The account is a high monthly fee service charge of $ XXXX/mo. 
I opened an investigation into the issue, knowing that this is n't " fair '' and certainly appears to be a " bait and switch '' marketing tactic. 
Citibank responded to the investigation requesting I provide the source of the special offer, which I believe was on the XXXX XXXX website in XXXX 2015. I was searching the internet to see if I could locate where I may have run across this offer, when I saw numerous reports and complaints filed with the CFPB over the same special offer that Citibank was refusing to deliver on the special offer of XXXX miles for XXXX XXXX. 
This is very concerning that such a large institution as Citibank is not standing behind their marketing campaign 's, allowing consumers to open checking accounts under false pretenses/expectations. 
To make matters even more frustrating a family member of mine that that lives at the same address opened the same account with the same promotional offer and has received his miles credited to his XXXX XXXX account. At no point did he receive any push back Citibank indicating he was n't eligible since the offer was targeted. 
This feels like discrimination and that Citibank does n't have compliance controls in place to regulate these accounts to insure fair treatment of all customers.
Product: Checking or savings account

XXXX double charged me twice in the same day for one bill. Asked my bank to stop on payment. I was told to call XXXX but they never reimbursed my funds.
Product: Credit card

I had a XXXX XXXX American Express card. I was never late paying the account and never exceeded the credit limit. XXXX chose to close my account without warning. The cash back I had earned was confiscated. XXXX can close my account but the rewards from my account should be paid to me.
Product: Mortgage

During the month XXXX 2015, I spoke with XXXX XXXX regarding a pre qualification mortgage loan ; before the interview via telephone I asked XXXX XXXX would this application appear in my credit file as a hard inquiry, XXXX XXXX assured me that the pre qualification by law must be labeled as a soft inquiry. In XXXX of 2015, I learned that XXXX XXXX had in fact completed my application as a hard inquiry ; which is not what I requested for him to do! I called into ALS to request that the company remove this inaccurate inquiry due to federal regulations regarding pre qualification mortgage applications, the company executive director XXXX XXXX stated that they would not remove this inquiry despite the fact the they were in federal violation of the mortgage pre qualification statue! I then proceeded to question why my pre qualicifation application had been denied due to a poor score ; according to the XXXX XXXX. XXXX XXXX. XXXX consumers are not to determined creditworthiness based off a poor XXXX score, especially if the actions of negative trade line credit reporting was due to financial difficulties or id theft occurrences. XXXX XXXX stated that her company does not have to comply with this federal statue. This company has currently been under several investigations due to mortgage discrimination, the original loan lender who completed my pre qualification application has been fired due to unethical lending practices.
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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to inform and formally express my concerns with regarding Zelle 's handling of disputes, particularly in light of the recent CFPB Lawsuit, highlighting significant issues with the platform Despite using Zelle numerous times And reporting discrepancies My financial institution and Zelle failed to investigate my claims adequately. They informed me that Recovering lost funds was impossible And that tracking these transactions was unfeasible the CFPB 's findings indicate That Zelle has not only neglected To protect Consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency Is unacceptable and raises some concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXL XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I review credit report and notice 29 department of XXXX appears with duplicate accounts same balance and different account number. I tried to contact department of XXXX and credit beaura about the issue they stated it will take 30 days dispute instead it remained the same as accurate and 29 duplicate accounts still on my credit report. So I contact department of XXXX about the accounts again they did submitted documents with adjustment made for cancellation and removed off my credit report with only XXXX accounts in good standard, all 13 accounts paid in full, XXXX and {$0.00} balance but credit beaura didn't respond. So now it's under investigation and planned to hire a legal aide lawyer to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am disputing a 60-day late payment reported for XXXX on my credit file by Mohela. I have reviewed my records and did not miss a payment for that month. My account was placed under disaster forbearance due to the California fires. On XX/XX/XXXX, I made a payment and established a payment plan indicating that payments would not resume until XXXX. Based on my consistent history of timely payments and the documented forbearance, I request that Mohela remove this inaccurate 60-day late payment notation from my credit report and confirm the correction in writing.
Product: Debt collection

I received a half opened envelope from Portfolio Recovery Associates in the mail. It was a summons for court to garnish my wages. This is for a {$1700.00} debt. It said I had 8 days to respond during XXXX week. Ive had XXXX communication with this company in reguards to any lawsuit. I have no current debts with them on my credit report. Nor is there any judgements against me in the court system. I called them they said to contact my payroll company. I asked when I had to answer this summons by they said they didnt know. They offered no explanations or answers.
Product: Checking or savings account

I moved from XXXX to XXXX in XXXX. I had to apply for a new card because I didn't trust some ppl in XXXX. After receiving my card in XXXX a family member in XXXX got access to my account and withdrew money. I applied for another card and have received it. My problem is I'm in a XXXX home and need my account and routing number. I have called direct express and they told me to call social security because I get ssi. Social security told me to call direct express to get it because they cant give it to me direct express has to. I called direct express back still nothing. IRS told me they need it in order to put my stimulus on it. Please help me. I really dont know what to do now. This has happened most recently XX/XX/2021 XXXX