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

I noticed several accounts on my Trans Union credit report that does not belong to me XXXX XXXX XXXX XXXX.. XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX ... XXXX XXXX of XXXX  ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... XXXX XXXX XXXX XXXX ... XXXX XXXX / XXXX  ... XXXX XXXX XXXX XXXX XXXX XXXX... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX XXXX XXXX / XXXX ... XXXX 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 noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Toy XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

The company I am submitting a complaint about is PayPal. This company denied a dispute I had regarding a {$150.00} transaction for an order I did not receive. The order was placed on XX/XX/2019 with a company named XXXX XXXX XXXX. I was informed of tracking info that I would receive shipment on XX/XX/2019, but shipment was not received. Upon working with XXXX to recover shipment, XXXX informed me that the tracking number associated with the package XXXX XXXX XXXX claimed they sent to me was erroneous. XX/XX/XXXX tracking information indicated that the shipment went to a different address than the original order and that it was signed for by a person that does not reside at my single family residence. I informed XX/XX/XXXX by email that I did not receive the shipment and that the tracking number they sent me did not match. I filed a dispute with PayPal online on XX/XX/2019. PayPal claimed that they contacted XXXX XXXX XXXX and that XXXX XXXX provided proof of delivery. It is quite apparent that PayPal did not contact XX/XX/XXXX in this dispute. I believe that PayPal only did a cursory check on the XXXX tracking number and did not verify whether the tracking number and tracking information was correct. This is an incomplete and unacceptable investigation on PayPal 's part and thus PayPal has failed to protect a long-time customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. I have proof that I had insurance at the time of service. This company has been trying to destroy my name. I called XXXX XXXX they could not provide me any information on what bills this was for and they are showing a zero balance. I will be forced to turn this over to the attorney general and small claims court as I am tired of the harrasement. There are 3 different amounts {$190.00}, {$4.00}, {$130.00}.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

My direct deposit is not in my account. Capital one states computer glitches.
Product: Money transfer, virtual currency, or money service

On XXXX i called Coinbase to see why my balance went from XXXX to XXXX $ and i was informed that all my Alt coins and Bitcoins were transferred to someone else. 

When i told them i didnt authorize the transfer they just said to me when you buy crypto there are certain risk that you are taking. I created a ticket XXXX. They close the ticket stating it was a hack and nothing could be done I am out XXXX now. No one called me, no said to me what they are doing about the hack or scam. 
In fact coinbase CSR told me it will be a good idea to reach out to the scammer and ask them politely to refund the money. ( I just couldn't believe it ). 

I also found out that XXXX they got hacked so i thought maybe the hack is tied and their are others who lost money, Just a hope i got so i called them again and nothing, just nothing from coinbase. 
They are literally acting as if nothing happened. I honestly have a feeling that Coinbase 's approach is to keep quiet and he will go away. 
Never ever in my history have i been hacked on any other platform. 
I saved this money thinking if Crypto went up i will be able to pay tution fees for my kids and now its all gone. Thank You coinbase for not only losing my money but also to keep quiet and not provide any update to me
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX I received a {$1.00} fee for administration costs. From XX/XX/XXXX through XX/XX/XXXX by Moneylion 's own admission my MoneyLion Plus Membership was transferred to their new Credit Builder Plus membership. I was receiving a 1 $ day and still now have a 390+ consecutive day logon streak, they owe me a {$1.00} to my investment account from XX/XX/XXXX through XX/XX/XXXXwhen I was forced to the new membership structure. Moneylion was unable to fix my funding account to allow me to fund the account from XXXX only withdraw to XXXX when I attempted to switch to XXXX where my direct deposit it, I switched back unsuccessfuly to XXXX and it is still not working as of today ( XX/XX/XXXX ). I have found a way through XXXX to get money to the Moneylion checking account so I can meet their new requiiements to get the membership fee waived. For all of XXXX and XXXX, they owe me {$19.00} to either my investment account or checking account. As a courtesy they are saying they will give me the membership fee for XX/XX/XXXX, but that has no value to me since I know the requirements to get it to {$0.00}. 

I have reviewed the response made by the business in reference to complaint ID # XXXX, and have determined that my complaint has NOT been resolved because :. I did hear XXXX was assigned as my complaint contact and she left one voicemail letting me know that fact but did NOT explain the outcome of any inestigation that the letter refers to. 

The first membership payment was made by me on a XXXX account a day before it was due ( XX/XX/XXXX ) as I knew it would fail since I could not get any funds into the account. The XX/XX/XXXX date must have been when it actually hit your account. Until the last four days in XX/XX/XXXX ( over a month later ), I have been fighting about this XX/XX/XXXX membership payment continuously showing as past due on my account for over a month. I had to send screenshots of the XXXX Account it was deducted from more than once to agents of Moneylion support to have it removed. This XXXX payment is finally resolved. The issue IS on your end and not with XXXX nor XXXX. I am still due the {$1.00} a day from XX/XX/XXXX through XX/XX/XXXX. It appears Due Diligence was not done by XXXX or Moneylion and while the XXXX Membership waived as a 'courtesy ' is actually due with no courtesy ( It is legally due when no service was provided ), I called back XXXX and emailed her and have yet to get a return call. This matter is not considered 'closed ' and will escalate if necessary. My compromise will be to correct the membership credits to my investment account for 2 months or the checking accounts PLUS the {$1.00} a day deposits to the investment account per your agreement. 

I have been a supporter for over a year and hope we can continue a civilized and productive relationship.
Product: Debt collection

Robo calls to my home phone XXXX XXXX XXXX looking for XXXX XXXX .... I have no contact with XXXX XXXX and want nothing to do with these calls. I followed prompts to enter my number to verify that I was not the person they 're looking for and the calls continue each and every single day from Credit Protection Association - most recent # call came from is XXXX. I am on the Do Not Call registry, owe no debts and want the calls to STOP please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA laws if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
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. 

XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, 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

In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX end, violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, or report amounts once the account has been closed arbitrarily.

15 USC 1666B : A credit card account under an end consumer credit plan as late for such purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. 

This valid complaint is for the XXXX year. Credit Services Organizations that operate in California are required to file a registration application with, and receive a certificate of registration from, the Department of Justice before conducting business in this state. The registration for all Credit Services Organizations in California expired on XX/XX/XXXX. Beginning on XX/XX/XXXX, as new registrations are issued by the Department of Justice. American Credit Repair is not on the list and does not have a DOJ certificate which makes illegal to operate their business without it.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.
Product: Checking or savings account

XX/XX/2003 PNC Bank closed my savings account due to suspicious activity. PNC Bank failed to protect me as an XXXX SCAM victim. Know your customer was not utilized for international wires. No one from PNC Bank approved the international wire transfers. It has been traumatic to me to have both my PNC Checking and Savings accounts closed since I have been a customer of PNC Bank for approx. 10 yrs. Subsequently I had to open accounts with other banks. The international wires stole all of my money from PNC Bank, PNC Bank approved the international wires. Who had access to my Checking and Savings accounts at PNC? How did this happen without PNC Bank approval? My bank accounts should have been audited for suspicious banking? PNC Bank is at fault for the loss of approx. {$700000.00} from my bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 4TH TIME I HAVE HAD TO COMPLIAN ABOUT SEVERAL ISSUES. MY NAME IS XXXX XXXX XXXX SS XXXX DOB XXXX PLEASE REMOVE/DELETE ANY OTHER VARIATIONS OF MY NAME ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THERE ARE SEVERAL SOCIAL SECURITY NUMBER ON MY CREDIT FILE THAT I HAVE REQUESTED TO BE DELETED, PLEASE REMOVE DELETE THE FOLLOW SS NUMBERS : SS XXXX, XXXX, XXXX, XXXX PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS : PREFERRED LEASE XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX. THE IS THE LAST TIME I AM FILING A COMPLAINT MY INTENT NEXT IS TO FILE A LAW SUIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

After researching, I found under the Fair Reporting Act ; everything must be 100 percent accurate on my credit report. Upon requesting that XXXX verify and correct my credit report, I found inaccuracies from the re-investigation relative to the XXXX  XXXX  account. The date of the Last Activity and the Date Reported is inaccurate. 

The inaccuracies reported are grounds for the removal of this account. The credit bureaus have violated my rights numerous times. 

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

According to 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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: Checking or savings account

I called Citizens bank customer service serval times during their working hour, but their line is always busy. I held on the line for an hour, but no one answered. There is no Citizens local branch in my area. I need to close my account.
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX and The Savings Group for misleading advertising and hard inquiry refusal removal. 

I am writing to complain about XXXX and The Savings Group ( XXXX ) for misleading advertising and refusing to remove a hard inquiry from my credit report. 

On XX/XX/XXXX, I was researching auto loan refinancing options through my bank and received marketing offers from XXXX. I submitted a request for more information about buying out my auto loan lease. I was contacted by XXXX XXXX of XXXX, who deceptively misled me with a multitude of " pre-qualified '' auto refi loan rates as low as 3 %. I have attached screenshots of our email conversation below. 

After several phone calls with XXXX and her team, they haggled me into misrepresenting me with a refinance rate variance of 3 % to 5 %, based on my XXXXXXXX XXXX  score, low debt-to-income ratio, and XXXX vehicle lease buyout with a fair down payment. 

XXXX ran a hard inquiry on my credit report and sent my application to multiple sources, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. However, all of the rates I received back were higher than 6.75 % to 8 %. I declined these absurd rates and informed XXXX that I was no longer interested in their services. 

Despite my decision, XXXX continued to badger me week after week to take their offer. It took them over 60 days to finally give up. 

My credit report still shows a hard inquiry for this misleading and misrepresented offer that I never accepted. I have reached out to both XXXX XXXX XXXX XXXX and XXXX, but they have both refused to remove the hard inquiry. 

I am submitting this complaint because XXXX is still misleading consumers about the potential " lowest '' unrealistic rates out there as low as 3 %. These deceptive practices need to be rectified. I understand that advertised rates may not always be exact, but there is a big difference between a plausible variance and a complete scam with more than double the rate advertised, even for supreme prime consumers with over XXXXXXXX XXXX  scores, very low debt-to-income ratios, and extremely low monthly carry-over debt with over 20 years of managing optimal credit. 

I can't even imagine what other lower-tier credit consumers are being misled with much higher rates than falsely advertised. 

All I am asking for is to formally remove the hard inquiry from my credit report from XX/XX/XXXX. XXXX has refused to work with me on this, even after several attempts and call escalations with different representatives. 

There needs to be more regulation on these scammers and falsely advertised marketing. A hard inquiry should be able to be removed from a credit report if the deal was never a finalized transaction. 

I am requesting that you investigate this matter and take appropriate action against XXXX. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX