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

bureau name : EXPERIAN bureau address : EXPERIAN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX, XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear EXPERIAN, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and JXXXX XXXX XXXX ( XXXX )
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I was in a financial bind and I went to loan max for help. They went outside looked at my car and told me I could get approved for {$2000.00} based on the car and my XXXX income, I then explained to the loan processor that I get paid on the first of every month and he said that that was ok. The way he ( the loan processor ) explained the loan was that the quicker I paid it off the less interest I would occur so if I paid it back in two months I would only be paying back around $ XXXX {$2800.00} Im not exactly sure of the amount but I remember it be close to {$3000.00} because I thought that was fine it wouldnt totally wipe out my income on the second month to pay it off. But on XX/XX/2017 they wanted me to make a payment I tried explaining to them at that time that I only get paid on the first of the month and I could come in that following week. On the first of XXXX I paid {$1000.00} towards the loan at that point they refinanced the loan for {$1800.00} because I paid more than the actual principle on the loan. I then asked them at that point why does the remaining principle balance say {$3500.00} it was a young lady I was dealing with this time she then stated that the remaining balance was based on me paying it off in three months with the interest that would calculate but if I paid it off the next month it would be less, o.k. On XX/XX/2017 I wasnt able to pay off the loan but I took in {$500.00} to apply to it and when she gave me my receipt I could not believe what I was seeing for my remaining principle balance it showed {$3500.00} so XXXX left trying to figure out if only {$27.00} was applied to my loan. The payment at the end on XXXX came from my XXXX check my next payment was due XX/XX/2017 but my check was less because two of my children had turned XXXX and I was no longer receiving income for them and I tried calling them to work something out but they said at that time that my loan was not in default there wasnt anything they could do, they told me to try back once it went into default and I did and they said that I had to wait until integrity ( the lien holder ) released the loan and then they would be able to work something out. We touched base a few times they called me I asked them was there an amount that I could pay to pay it off and be done no more payment plans because I couldnt afford to pay like that but they said no. And on XXXX XXXX they came and took the car, So I asked them to give me a receipt showing that they are paid because they have the car, still no.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Transunion permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XXXX - XXXX XXXX, 2023 XXXX - XXXX XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  different FICO scores my bank is  XXXX   XXXX  is  XXXX  an d Trans Union  is  XXXX  this turns out to be a big difference and puts me below the  XXXX  because of  Trans Union w hy is there not a standard method for this use I called  Trans Union a nd they said they have their own way of calculating the score this seems really unfair any help would be appreciated
Product: Checking or savings account

I have been trying unsuccessfully for the better part of two weeks to get multiple deposits from hotels to be released back into my account after the hotels have already settled their transactions. I have contacted the company numerous times only to be told that I must wait 14 days even though the transaction is already settled or I can provide a receipt I provided multiple receipts and every receipt I provided they said something on it was wrong and refused to cancel the transaction. I have also waited the 14 days and every time I try to get the transaction canceled they either make up a new date saying that I must wait longer or outright ignore me I have provided them with multiple forms of evidence through screenshot and they ignore them and will not look at them. They are bullies what they are doing is criminal I have spoken to XXXX on the phone and through chat I have screenshots of all conversations through chat. Just today I tried to have {$50.00} returned to me that they have held for 14 days dated XX/XX/XXXX I have proof of this and even sent it to them. They ignored it and refused to acknowledge it. They currently have two separate {$50.00} deposits that have already settled in the transaction history one, the 14 days is up the second one the 14 days is up tomorrow. But it's not just about this it's about the fact that they are absolutely refusing to do the very things they say they are going to do and that their customer service outright ignores evidence that they themselves requested. I have attached in this complaint multiple instances of them outright ignoring evidence being rude dismissive and not responding.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX XXXX XXXX for {$180.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, XXXX, and Equifax, and I was surprised to find an entry for a debt from XXXX XXXX XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX XXXX XXXX XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Mortgage

I received a notification from my mortgage company. I can not do thus for a whole year as I do not leave the house due to an XXXX issue. They are not leaving me with any viable options for paying my mortgage due to my XXXX. This is the message Good afternoon, Thank you for contacting loanDepot Support in regards to online payments. I called you at. I was not able to leave a voicemail because your mailbox is full. I'm sorry that I missed you. 

There is a processing stop on your account that prohibits online and over-the-phone payments. This occurs when there have been two or more returned payments. You will need to send in a certified fund check each month. The restriction has to stay in place for XXXX year. It will be removed on XX/XX/2024. I apologize for any inconvenience this may have caused.

It was a pleasure to assist you with this inquiry. As a reminder, you may receive a survey regarding the customer service I provided you today. Happy holidays! Thank you for being a valued homeowner and choosing loanDepot. 

Thank you for allowing us the opportunity to assist you with your recent request. If you have any further questions, please reply to this message directly, and Ill be happy to assist you further. You may also reach out to the Contact Center at ( XXXX ) XXXX, Monday through Friday from XXXX XXXX XXXX. CST and Saturday from XXXX XXXX XXXX CST. 

XXXX XXXX Customer Service Support Representative
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with EXPERIAN over the past few months to remove unauthorized/unknown Inquiries that they have failed to fully validated that I initiated. It has been well over the 30 days given for EXPERIAN to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to EXPERIANincluding my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized/unknown Inquiries belongs to me aswell. Below are the reporting Inquiries that should be REMOVED / DELETED from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX   XXXX XXXX  - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 7 ) XXXX - Date Filed : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello, I had an account with Coinbase for digital currency, crypto. On XX/XX/2021 I woke up to emails stating that all my coins were converted into BTC ( Bitcoin ) and then withdrawn from my account without my approval or consent. I immediately messaged Coinbase Support Systems and have yet to get any solid information. 

They sent me back an email stating that they would get back to me with results. A week passed and no information was sent to me on updates other than their original message of them looking into it, so I sent another message asking for updates. Thats when I was told that I would have answers in 4-5 days. It is now Tuesday, XX/XX/XXXX and I still have no answers besides the fact that they were hacked. I have yet to receive anything informing me about receiving my coins back, being compensated, how they plan on preventing this from happening again, or even being able to open my account that still has money Ive invested in it. 

This is extremely unprofessional, disrespectful, and shows that my concerns dont matter about something that they allowed to happen. I would like immediate compensatory damages and/or punitive damages to be taken towards this company for the theft of my coins and for the values that they would now be in standings with. 

Im just ready to get this handled and moved on from because seeing that this isnt the first time Coinbase has been accused of these accusations due to recent research, I just want to get my money at its updated current value now, compensated for neglect/safety/inconvenience, and access to my account so that I can remove my last currency from their site. If I can please get some help, Id gladly appreciate it. 

Thanks for your time!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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. 

Account Name : 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 Account # XXXX has violated my rights.

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.

604 A Sect 1- States a consumer reporting agency can not furnish an account without my written instructions.

1681 c ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of info or any other adverse item of information other than records of convictions of crimes which dates the report by more than XXXX.
Product: Checking or savings account

A savings account under my name was opened on XX/XX/XXXX fraudulently. I have previously used Bank of America and cancelled all my accounts there in XXXX to switch to XXXX XXXX. The account was opened for a Bank of America SafeBalance Banking and the last XXXX digits of the account were XXXX. I had called Bank of America about this account being opened under my name and they had no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2022 Filling a collection under my name. 

i do not know who XXXXXXXX XXXX XXXXXXXX is nor have i ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything. 

1006.18 False, deceptive, or misleading representations or means.
Product: Credit reporting or other personal consumer reports

Experian is not providing me with any proof of any information that pertains to account ownership, balance accuracy, validity of debt, payment history that is complete and accurate or any i formation to.validate the accts. Misuse of information and inaccurate reporting of personal information. Failure to respond to email sent in regards to all this quite some time ago. Incorrect grouping of auto loan inquiries that should be seen as XXXX inquiry in XXXX period instead allowing unauthorized hard pulls from company 's that disnt have permission or misrepresented their credit pull policy.
Product: Credit card or prepaid card

Intermittently Citigroups Citicards on-line Web site will not allow you to pay your bill at all or via a balance amount or other option. All date/calendar functions are inoperative and do not allow payment. IF it does allow you to pay, you have to use the custom amount feature. This did not allow payment of another credit card whose due date was a few hours away from being reached. This was told to me by a Citi service person by phone on XX/XX/20 at XXXX XXXX.
Product: Mortgage

We were misinformed on a home loan modification years ago and were to have settlement on the sale of the home and discovered there is a {$31000.00} lein on our home which is preventing the sale of our home. No one can tell us where this money went after the modification occurred. It certainly didn't come off our mortgage amount.
Product: Checking or savings account

SoFi is a scam. I did a mobile deposit for a check so that I could put it in my savings account. XXXX hours later I received an email saying my account was restricted. I called and was told that not only was my account was restricted, but pending closure. No one could tell me anything. I asked why it was being closed, the answer wasviolation of terms and conditions. I asked what part of that was violated and they couldnt tell me. Ive called 3 times because they said once the money cleared they would send it to an external bank or via check. I called today as the money allegedly cleared and asked for it to be sent via external bank they told me it wasnt an option. I asked for a manager or supervisor, they had none available. I told them that doesnt make sense for not one supervisor or manager to be around. For a Fraud department they dont know anything. When asking for a timeline, I dont know. They sure know how to hold your money. I never had an issue with this bank because I used the account for small things. I thought that when fraudulent activity occurs that youre supposed to be notified and asked about it as opposed to immediate action for the account to be closed. The people who work for this company are by far the worst and have no answers for you.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash app ( Block inc. ), do to inadequate customer service and unfair practices that violates CONSUMER FINANCIAL PROTECTION ACT ( CFPA ). Cash app has failed to take timely precautions to prevent any fraudulent activity on their platform. allowing consumers to use their platform for transfer funds to there financial institution without any protection and vulnerable to fraudulent activity. Therefore, there detest that resolution process was completely unfair and conniving, as Cash app ( Block Inc ) did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation. As an active consumer who regularly used this particular app, my finances has completely depleted. By this statement I account appropriate redress for these violations.
Product: Checking or savings account

I am filing a complaint in regards to capital ones failure to give access to my direct deposit from my employer, they have cited technical issues as the reasoning. Im concerned about if this violates consumer protection laws and the EFTA Act
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.