23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I overnight a payoff check and the company lost my check. I was provided the wrong address on email. I asked to speak to management or legal they refused let me talk to management.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOST OF FRAUDULENT INQUIRIES Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Money transfer, virtual currency, or money service

I have been a user of Coinbase.com for many years, mainly buying / investing in cryptocurrency Bitcoin, Ether, and Litecoin. Since week of XXXX/XXXX/XXXX I started selling Bitcoin, of which I had no problems with an initial sale of my weekly limit of {$50000.00}. I processed an additional transaction week of XXXX/XXXX/XXXX of another {$11000.00} sale. 

Starting on Monday XXXX/XXXX/XXXX when trying to process a final sale of about {$10000.00} or XXXX Bitcoin the website ( www.coinbase.com ) began asking me for an ID verification. They required front and back photographs of my US Government issued Driver 's license. I had plenty of my weekly limit of sales available and this was a new requirement from the website ( www.coinbase.com ). 

I attempted several times on XXXX/XXXX/XXXX to upload my ID and each time it failed due to photos not being clear enough. On Tuesday XXXX/XXXX/XXXX I took high resolution digital photos of my ID and attempted to upload to www.coinbase.com. This time the server would " timeout '' after 30 mins of waiting. 

Still unable to sell my final XXXX Bitcoin, I attempted to upload the photos of my ID on XXXX/XXXX/XXXX XXXX times. Then I filed a support ticket with www.coinbase.com. I received nothing but a automated response to this support ticket. 

Still unable to sell my final XXXX Bitcoin, on XXXX/XXXX/XXXX after another 6-8 attempts to upload an ID. I submitted an additional support ticket to www.coinbase.com. I received an automated response as follows : " Thanks for writing in. We understand a large percentage of ID verification requests were not completing successfully. Our team has made improvements to this service today to increase performance. If youre still having trouble completing ID verification, we recommend trying again in 24 hours.

We apologize for any convenience this may be causing. Please check our status page for the latest updates : https : //status.coinbase.com/ Thank you for choosing Coinbase. '' Access to a digital currency that fluctuates 10-20+ % / day can be the difference of thousand of dollars. Or the digital currency could go to {$0.00} and I can not have access to the money in a reasonable period of time.

As I am writing this complaint, www.coinbase.com is down for maintenance claiming " ID Verification not working '' " High Traffic '' " BTC Delays ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem : I negotiated with Chase to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a 1XXXX and I would claim this as income on my tax returns. Chase verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.
Product: Debt collection

ARS Account Resolution is reporting an account on my credit report. I sent them a letter letting them know that I do not have past present or future business with them. I also asked them to sent me the agreement or contract if they feel otherwise. To this day they still have not provided those documents. It is very disheartening that ARS Account Resolution would not only ignore what i asked for but continue to report this account on my consumer report after being notified of my disagreement. I have a right to proof of this alleged debt they are attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( CAPITAL ONE XXXX )
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I want charged fees due to lagged posting of changes and credits. This issue aligns with the recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions.
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 XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX... Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving Inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian inactions violates federal laws 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ) and my rights as a consumer. These are the accounts XXXX XXXX XXXX Account # XXXXXX/XX/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Account XXXX XXXX Under 15 USC 1681e ( b ), you are required to ensure the maximum possible accuracy of the information reported. However, the accounts listed above contain errors, are unverifiable, or fail to meet this standard. 
Additionally, under 15 USC 1681i ( 5 ), Experian is required to notify me of reinsertion and provide the necessary certifications. This has not occurred.

The Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian demonstrates systemic issues with your investigation processes, reinforcing my concerns about the mishandling of disputes. Failure to conduct proper investigations violates 15 USC 1681s-2 and deprives me of my rights as a consumer.
Product: Debt collection

Noticed on my credit report I had a past due collections from XX/XX/2019 for {$1500.00}. I never received a letter/notice regarding anything being owed nor have I been contacted by debt collection or company I owe. Account disputes in XX/XX/2019, tried to contact company mid XX/XX/2019 without success.
Product: Debt collection

I contacted this company, and they sold it to another agency who keeps reselling information that is not mine someone used my name to get some type of XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts 1 bankruptcy and many inquiries that are not mine I have not signed, used or know what these are!!! I have no idea how they are on my report or whos these are I need help the bureaus and the furnishersdont knwo what these are. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry US DIST CT - Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XXXX XXXX - XXXX XXXX was XXXX and was lowered to XXXX during XXXX - XXXX XXXX. The most recent score for XXXX XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XXXX XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts from my credit report that were compromised due to a recent data breach. As a victim of this breach, I am entitled to request this action under the Fair Credit Reporting Act, specifically pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). 
The following accounts, listed below, should be blocked and removed from my credit file immediately : INQUIRIES XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have a fraudulent account and hard inquiry listed on my Trans Union and XXXX credit report that do n't belong to me. The following account and hard inquiry is fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/2019, I went online lokking for a car I went to XXXX XXXX XXXX and spoke to XXXX and XXXX they scammed me into getting a XXXX XXXX with cat hair in the back. They tiik {$600.00} from my XXXX XXXX account. I called to take the car back and I spent {$500.00} to get the cat hair out. I took the Car to XXXX XXXX XXXX and had to but cleaning supplies at XXXX XXXX. I paid cash to get the hair out it was in between the seat wear the seat beats were at plus cat urine was so strong. I couldnt get it out. So they placed me upside down in my car loan. I went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX SPOKE TO IN PERSON XXXX AND HE DROVE TO XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ XXXX to pick up the XXXX  XXXX XXXX. The car is a flood damaged car. I almost died in the car. XXXX wouldn't cover a flood damage vehicle. I called XXXX XXXX to have it towed to XXXX XXXX XXXX. I went to XXXX XXXX in XXXX. XXXX XXXX has a deal with them. The mechanic told me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX ( XXXX ) XXXX. The other scammers are XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. They gave me my car fax and thats how I figured out the miles were turned back.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation Santander Consumer USA, XXXX XXXX XXXX,
Product: Checking or savings account

I was trying out this new app called Albert which is a banking website owned by the same people that own cash app I shouldve been aware that I would have problems because Ive had problems recently with cash app not wanting to refund money that I did not authorize to be taken out of my account well on this incident I had my card stolen and I notified Albert immediately and I also got in touch with the sheriffs department who did an investigation someone stole about {$500.00} off of the Albert card I notified them I was having problems with the card withdrawing money and it locked it up till the next morning someone stole the card by the next morning along with my drivers license which I had my pin number on it which was my fault on that part but they refused to refund my money or help me in anyway and refused to give me any reason why
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code $ 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Product: Credit card

Slate XXXX chase XXXX OFERRED 0 % INT FOR 15 MONTHS & NO FEES ON BALANCE TXFR FOR 60 DAYSXXXX ( OR SO ) WAS THE XXXX & WENT THROUGH FINE, next XXXX {$2800.00} never got to my bank, I first requested it on XXXX & .chase said my bank returned it ( never got to my bank, they told me i had put the wrong act # on it. The number I put is by Personal bank act no. the suffix of which is the that they use for credit card aaccounts number. The bank would have known exactly where it went. Then chase accused me of putting my ck act # down & sited that for the reason my bank returned it. As I said, it never got to my bank.Kept checking, no info. they finally rec 'd the check on XXXX did n't want to have any more checks floating arouind till I knew where the XXXX almost {$3000.00} XXXX check went. 
I called many times to check on it and every time I called, they had no answers. In a very recent conversation they told me the $ was back in my act XXXX orXX/XX/XXXX.I had called after those dates & they said they still didd't know. had they told me it was in my account, I could have gone ahead with all my other transfers, ( but as far as I knew the $ was floating around somewhere.when they finally sent the check, they made the check {$180.00}? instead of XXXX originally requested. So when my bank called & told me the check had arrived, I noticed I still had a balance on the card. Since it was past the 60 days, XXXXthough XXXX errors were caused by chase, they charged me a balance trsfr fee. I asked them how do I get 15 months @ 0 %, they said you ca n't, even they caused it all. So now I have XXXX that I get 15 mos on, the majoroty of the & gt ; {$5000.00}, will only get 12mos @ 0 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX
Product: Debt collection

I XXXX XXXX have filed an Identity theft report regarding this fraudulent account remove this from my credit report I asked for my signature which resulted in this claim against me nothing. The document that they sent to this address still does not identify this is me a. Letter of validation proving you sent this to this address does not justify this is me. There is no proven evidence so please state evidence regarding my signature and the following Original purchase agreement that shows you are the legal owner of this debt please include all terms in conditions that are included in this purchase agreement. 15 U.S.C states that compliance procedures need to be followed if none is followed this will indeed be in Violation of the consumer Please provide the following within 30 business days if not please remove : chain of assignment, insurance claim of debt, My signature, and Foward Flow Agreement by Law under the FCRA AND FDCP you have 30 days to respond if reached you will seek another Violation.
Product: Bank account or service

I am a customer of Bank of America and over the last year they have changed their policies regarding the minimum that customers can keep in their savings and checking accounts. I was informed of this and I complied with that policy. However, Bank of America continues to apply {$5.00} fees even after compliance and continued complaints. The minimum is {$300.00}, and I have {$500.00}. 
I am able to maintain, but my question is how do people who do n't have that income and are living off every cent they have use a bank?
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )
Product: Credit card

AMERICAN EXPRESS CHARGED MY PERSONAL CARD WITHOUT MY AUTHORIZATION ON XX/XX/year> IN THE AMOUNT OF {$270.00} ON MY PERSONAL CREDIT CARD AND TRANSFERED THIS AMOUNT TO MY BUSINESS ACCOUNT. 
THEY PROVIDED UNREASONABLE REASONS THAT THEY OVERCHARGED MY ACCOUNT AND CREDITED TO MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX