23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward.This is a violation of 15 USC1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Please see my reply XX/XX/XXXX to the XXXX XXXX XXXX below in response to Coinbase 's reply XX/XX/XXXX in response to my complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - My reply XX/XX/XXXX to the XXXX XXXX XXXX : I am rejecting Coinbase 's reply because they are responding with a half truth. 

While it is true that I'm now able to access my account, what Coinbase failed to disclose is that I had to hire an attorney at the cost of {$15000.00} to compel Coinbase to unblock my account. The demand letter from the attorney is attached and as well as the copy of my bank payment to the attorneys in the amount of {$15000.00}. The motion for pre-judgement writ of attachment, not uploaded, asserted a valid claim against Coinbase for breach of contract and conversion. 

I might add that I filed my complaint against Coinbase on XX/XX/XXXX but only now on XX/XX/XXXX ( over XXXX years later! ) is Coinbase responding to my complaint. 

Since Coinbase was clearly at fault, it is imperative that Coinbase refund the {$15000.00} that I was compelled to spend on attorney fees to unblock my account. My account was not accessible for over 4 months resulting in severe emotional distress. Furthermore, I spent an enormous amount of time and effort locating, preparing and presenting information to the attorneys, XXXX  and Coinbase in order to unblock my account. 

I respectfully expect to be compensated for the damages above.
Product: Money transfer, virtual currency, or money service

I have received by mail a document which seems very peculiar ( attached ). I need your confirmation if this is a true case or a kind of phishing.
Product: Credit card

Capital One completely IGNORED the full content of my original complaint XXXX. 

They sent a XXXX XXXX letter that did NOTHING to address the areas I included in my complaint XXXX. 

CFPB closed the original complaint XXXX which was unacceptable. Did CFBP bother to read what Capital One included in their reply? THE ORIGINAL COMPLAINT SHOULD NEVER HAVE BEEN STATUSED TO CLOSED. 

It is clear that CFPB doesn't really do much at all because IF you cared, you would NOT close a complaint until the consumer has the chance to review how the company replied to the complaint. Nope. CFPB just checked a box after Capital One issued their weasel answer - that the complaint was considered closed. FAIL. Why don't you leave the complaint in " active '' status UNTIL the consumer either indicates " all is well '' XXXX  " company did not address and this needs further attention ''? 

And now I have to waste MORE time creating a new complaint. THIS complaint includes the non-action on the part of the CFPB ( you do nothing but pass things on ) as well as the FAIL on the part of Capital One to answer the questions I included in the original complaint. You do not hold the company to any " standards/protocols '' besides checking the box that they sent " something? '' There is NO review of their reply? So they get a pass and I sit here, wasting time with yet another complaint about the same issue. 

I called your phone number today and spoke with someone who said her name was XXXX. I tried and tried to get answers as to why CFPB closed XXXX and when she could not answer my questions, and I asked to speak with a supervisor, SHE HUNG UP ON ME. And this is why I now have filed another complaint. Unreal.
Product: Credit reporting or other personal consumer reports

I sent a dispute letters to credit bureaus about fraudulent inquires attached with XXXX report and driver license for them to remove inquires that were not authorized by me which they ignored.
Product: Payday loan, title loan, or personal loan

they are charging 775 % interest on a payday loan in which in the state of Illinois the highest apr a loan can be is 36 %
Product: Debt collection

Someone that I am no longer associated with a couple of years ago opened up a utility bill with my information fraudulently without my knowledge I was left to not knowing why the debt occurred or appeared on my credit report and when I attempted to learn more information about it was not able to but now I am held liable for a utility bill that I didn't do nothing about for residents that I never lived. When I did contact the debt collector they were supposed to send out identity theft packet that I never received and they were unwilling to really work with me and meet me halfway for a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on a pen-fed credit card I am no longer an authorized user, XXXX refused to remove account from my report after 3 attempts /dispute
Product: Debt collection

TRANSWORK SYSTEMS IS NOT REMOVING A DEBT ON MY CREDIT REPORTS. ACCORDING TO CONSUMER AFFAIRS XXXX, THIS COLLECTION AGENCY IS FRAUDULENT. I WAS UNABLE TO CONTACT THE COMPANY TO DISCUSS HOW TO REMOVE THE INACCURATE REPORTING OF THIS DEBT. I SENT LETTER FOR REMOVAL TO ALL THREE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After recently being denied a loan, I decided to download my credit report and noticed some inaccuracies. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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. 
These inaccuracies are stopping from the ability to obtain new lines of credit.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I lended solo funds {$560.00} that they agreed their lender would return in 14 days with {$70.00} interest. My money was never returned and I did see any history about the transaction on the site. After reaching out twice to the company they aside an internal error on their end happened resulting in lenders not receiving money but they fixed manually in XXXX I was just over looked. They didnt not give me a time table on my return or provide my with the original contract agreement that gave them access to the {$560.00} from my account
Product: Student loan

When my loan started to become due. I told sallie mae that I am not able to pay the loan at this time because I was not making enough money to pay it back. Sallie Mae at did offer me a reduced payment plan. They had me put the loans in forbearance. But being that I was past my due date they could do the forbearance for the past month I missed. And if I needed to put in forberance again I needed to call before the next due date. By doing the forbearance the loan amount went up. Sallie Mae never called me directly to let me know that I was behind in payment. They would call my co-signer but never called me directly. I approached sallie mae to get a lower payment. The deal they offered me was not acceptable. Sallie Mae offered to lower my interest rate only two years. And after would be back to a varible rate that i have know Idea what it would be. And being that they were lowering the payment because of the interest rate. They added five more to my loan. I also offered to settle the loan with a buyout amount. Sallie Mae said they would take nothing less then 90 % of the loan.
Product: Debt collection

This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " they can not do anything unless I verify my personal information with them first '' This has turned predatorial and also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over XXXX which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account. To end this company does not have a license to collect anything in the state of NV.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for all late payments to be removed as they are incorrect, and have requested proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX  - LAST XXXX SS # XXXX XXXX XXXX - LAST XXXX SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report and a ftc identity theft report and sent the copies of the report to each account that has been fraudulent opened in my name to each.My house was broken into and my computer, phone, ssc and birth certificate was stolen. I have several accounts that is fraudulent opened that needs to be closed and deleted of credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX XXXX ( a ) ( XXXX ) I have the right to privacy. 
15 U.S. Code 1681 Section 604a Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) 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. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : 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: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation

within 30 days.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Systems Inc is claiming that I owe them {$570.00}. 

I actually paid {$790.00} to their client on the date of service, XX/XX/2018. 

I've attached my credit card statement showing that I paid for the services. 

This also proves that I am owed {$220.00} Please remit payment to my address of {$220.00}.
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 XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row ally financial is showing up three times as well
Product: Debt collection

Good Evening, and please help me with this. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Birchwood company had ran my credit to where there is a hard inquiry on my credit report & I did not give permission to them or the company XXXX saving that goes through Birchwood to run my credit I have sent letters to them & have contacted both places & I am getting no place this happened back in XX/XX/2020 & I have been fighting to have it removed from my credit reports since then. This is my credit reports that is been being messed with & I want that inquiry removed ASAP thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Froze credit report for Experian around the time XXXX  was shamefully hacked ( 2017 ). Now I have to lift a security freeze I set with them, but they deactivated my account and I am unable to lift the freeze within the time frame I have right now. 

This will cost me money that is critically important to me at the moment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Paid Account from Credit Report Dear XXXX, I am writing to request the removal of an account from my credit report that has been paid in full as agreed. 
Account Information : Account Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX Date Paid : XX/XX/year> This account was settled in accordance with our agreement, and I believe it is in my best interest, as well as the accuracy of my credit report, for this account to be removed. 
According to the Fair Credit Reporting Act, I request that you review my file and update it accordingly. I have attached copies of relevant documentation, including proof of payment, for your reference. 
Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
Product: Debt collection

XXXX XXXX, Last 4 digits of XXXX XXXX, DOB XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B 15 USC 1681c-2 that you block information appearing on my consumer credit report that is the result of identity theft and fraud upon receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit card accounts and medical accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recognize the aforementioned accounts and collections as reported. I have attached a copy of FTC Identity Theft Complaint report # XXXX as proof from the US Federal Trade Commission that all of the aforementioned accounts consumer credit accounts and collections are a result of identity theft and fraud. If you are unable to provide me with proof under FCRA 15 USC 1692G the consumer reporting agency shall promptly delete these items off my credit file..
Product: Credit card

We have repeatedly tried to receive help from American Express as to why our rewards were not applied to our balance as we were originally told they would from a phone conversation in late XX/XX/XXXX. They can take money from our checking account each month to pay our balance, but it seems it takes them over a month to apply our earned rewards. We feel it is a UDAAP violation, as it implies the rewards will be applied to current balance. In the " terms '' ( still not provided, so not verified ) it states if you make any other purchases, it is applied to your NEXT statement instead of your current statement. The consumer is receiving the raw deal. We tried on XX/XX/XXXX to speak to a manager to escalate the issue. Each time the company had " technical errors. '' We tried again on XX/XX/XXXX. We took screenshots of the chat, and we believe American Express is typing our that there were technical issues and not actually technical issues. On XX/XX/XXXX we also called American Express and were conveniently hung up on. We have asked repeatedly to file a complaint based on our experience, and we have been denied that, so we are filing through the CFPB.
Product: Credit card

I recently submitted a complaint with Citibank under the belief that they applied the incorrect promotion to my account. They were kind enough to send me a promotional agreement in the mail, that was not signed by me. They also wrote me a response that makes mentions a note on my statements that state the interest rate may change depending on the exact promotion. Recently, I appear to be having difficulty establishing autopay with them as well as several other cards. I would like to know if they would be willing to just allow me to pay off the original balance.
Product: Credit reporting or other personal consumer reports

Mortage company XXXX. Filed for chapter XXXX bankruptcy in XX/XX/XXXX in Delaware. XXXX stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from XXXX itself. I was made aware from XXXX the only way to get the bankruptcy removed and have XXXX start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by XXXX for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, XXXX is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. XXXX has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.