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

When I tried to pull all three of my annual credit reports on XXXX, they all yielded errors. When I tried to pull XXXX  and Transunion, their site said an internal error had occurred and to try again later. 

XXXX  said something to the effect of " a condition exists that prohibits us from giving you your credit file online ''.

When I retried a week layer ( as is permitted under the new law to due with COVID-19 ), the website continues to tell me that i've already retrieved my annual credit reports " for this year '' and to come back next year.

There's a number of problems with that. As there is no way to contact www.annualcreditreport.com ( other than to give feedback -- they say not to give phone/email/personal info, as they have no way of
responding and will not respond ), I see no choice but to file a complaint with the CFPB.

Please assist me in sorting out the problems with ACR.

Why does their system not let me retry when there was an error on THEIR side? I understand that the XXXX  situation was perhaps out  of their control ... but the problem with TransUnion and XXXX  was *clearly* state to be an " internal '' error and to retry later. ( What does " later '' mean, if not right away or 7 days later? ) They do not appear to be aware of this issue with pulling credit reports. Ostensibly, they're still under the impression that I can only get them once per annum, but ( a ) that's not correct and ( b ) law permits me to get it weekly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 in those account 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

USAA continues to send correspondence indicating I have requested updates to my accounts which may or may not have emanated from me. The correspondence is not specific enough for me to determine if the changes are an attempt at identity theft, incorrect or unwanted changes, or changes initiates by USAA and not by me. Calls to USAA do not get responses that explain what was changed ( if the correspondence was properly drafted calls to USAA should not be necessary ). This is the second time within the month of XX/XX/2020 that I have received incomplete and therefore inappropriate correspondence for the same two accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian cancelling my free credit monitoring as a result of hacking in XX/XX/XXXX. They also informed me that my credit freeze was lifted. I have tried to log into my account with no success to put the freeze back on. Am unable to access my account.
Product: Debt collection

repeated calls from XXXX saying there was a complaint filed against me and threatened to visit my home or business with a reference number XXXX and office phone of XXXX, on XX/XX/2021, I called back and some woman named XXXX answered and refused to give business name saying I had a credit debt with Citibank ( a company I have multiple cards with and have never been late on ) then repeated to tell me my name and ss number, I asked them to send paperwork stating this and they said they didn't send paperwork and told them not to call again... .After an argument about how they were a fraud and I would be reporting them, they said XXXX county Sherrif department would be visiting me soon and hung up... I called back multiple times and hid my number to gain the company name but they accused me of phishing when I asked for business information or any other information ....
Product: Bank account or service

WellsFargo is charging overdraft fee on online transfers. It is impossible to transfer funds between account if the funds are n't available. I transferred {$520.00} that showed available after my direct deposit on XXXX/XXXX/2016 and was charged {$35.00} XXXX/XXXX/2016 as follow : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$520.00} ONLINE TRANSFER TO XXXX EVER YDAY CHECKING XXXX {$35.00}
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022 my XXXX XXXX account with XXXX XXXX with virtual currency assets held on the Gemini Exchange was hacked and 5 Ethereum with a value of {$15000.00} at the time was illegally transferred from my account through a hack. Gemini had custody of the coins on their exchange platform.

I am another victim of the theft of crypto assets from an XXXX  account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss. 

GEMINI COMMITTED THE FOLLOWING VIOLATIONS IN THE OPERATION OF ITS XXXX CURRENCY BUSINESS ACTIVITY, RESULTING IN THE LOSS OF CLIENT CASH AND XXXX ASSETS MAINTAINED ON GEMINI 'S EXCHANGE AND UNDER ITS PROTECTION : 1. GEMINI ACCEPTED SELF-DIRECTED IRA ACCTS FROM IRA FINANCIAL ( XXXX  ), A 3RD PARTY SERVICE PROVIDER ( SECT. XXXX ). GEMINI FAILED TO PERFORM A RISK ASSESSMENT OF XXXX  'S ONLINE PLATFORM THAT IS DIRECTLY CONNECTED TO GEMINI 'S PLATFORM, NOR DID GEMINI EVALUATE THE ADEQUACY OF XXXX  'S CYBERSECURITY PRACTICES AND PROTECTIONS, IN VIOLATION OF XXXX ( XXXX ) & ( XXXX ). AS A RESULT OF THESE VIOLATIONS, A HACKER ACCESSED HUNDREDS OF SELF-DIRECTED IRA XXXX XXXX ON THE GEMINI EXCHANGE AND STOLE APPROX $ XXXX IN XXXX AND CASH FROM GEMINI 'S IRA CLIENT ACCTS. 
XXXX. GEMINI FAILED TO PROVIDE XXXX WITH A PHONE NUMBER TO CALL TO STOP THE THEFT IMMEDIATELY UPON ITS DISCOVERY, IN VIOLATION OF XXXX XXXX XXXX ( B ) ( XXXX ). IT TOOK XXXX XXXX XXXX HOURS TO FINALLY CONNECT WITH GEMINI PERSONNEL TO STOP THE THEFT. AS A RESULT OF THIS EXTREME DELAY, ALMOST ALL OF THE ASSETS WERE REMOVED. THE THEFT COULD HAVE BEEN AVOIDED HAD XXXX BEEN ABLE TO IMMEDIATELY REPORT THE HACK AND HAVE THE ACCTS FROZEN. 
XXXX. GEMINI RETAINED 100 % CONTROL OVER FREEZING THE SUBJECT IRA ACCTS. XXXX HAD NO MEANS OF DOING SO FROM ITS END AND THEREFORE COULD NOT STOP THE THEFT AS IT WAS OCCURRING. NOR COULD XXXX MAKE CONTACT WITH ANYONE AT GEMINI IN TIME TO STOP THE THEFT. 
XXXX. THE API THAT GEMINI REQUIRED XXXX TO USE HAD SERIOUS FLAWS THAT ALLOWED THE THEFT TO OCCUR : XXXX FAILED TO LIMIT ACCESS TO CLIENT ACCOUNTS BY ADMINISTRATORSALLOWED ADMIN TO WITHDRAW FUNDS W/OUT CLIENT NOTICE/AUTHORIZATION B.IT FAILED TO PROHIBIT TRANSFERS BETWEEN UNRELATED IRA ACCOUNTS ALL OF THE AFFECTED IRA ACCTS ( TOTALING A FEW HUNDRED ) WERE DRAINED AND TRANSFERRED TO A SINGLE, SEPARATE, UNRELATED ACCT, FROM WHICH THE THIEF ( S ) THEN TRANSFERRED THE ASSETS FROM GEMINI 'S EXCHANGE. 
C. IT FAILED TO REQUIRE XXXX BY CLIENT TO COMPLETE THE UNLAWFUL WITHDRAWAL GEMINIS WEBSITE SAYS XXXX REQUIRED FOR ALL WITHDRAWALS D.IT FAILED TO REQUIRE DUAL SIGNATURE BY ADMIN USERS FOR WITHDRAWALS A SINGLE ADMIN USER WAS ALLOWED TO DO THE WITHDRAWALS W/OUT NEEDING APPROVAL/INPUT BY A SECOND ADMIN
Product: Credit reporting or other personal consumer reports

1099C dispute Experian Subject : Dispute of Inaccurate Information in My Credit Report. 

XXXX XXXX this debt is being reported as a charge off. However this is actually considered income because I should have received a 1099C form in the mail in order to account for this as income however it is being reported as a charge off I am requesting that this is removed because this is not debit this is considered income and should not be reporting on my credit report. 


Discrepancies in comments ( e.g., " Charged off as bad debt ). 
Unpaid balance reported as a LOSS by the credit grantor.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts from my report. they are hurting my ability to abtain credit
Product: Credit card or prepaid card

HOW CREDIT LIMIT DECREASES ARE HANDLED : This is an abusive practice committed by most credit card companies that calls for government regulation. Discover Bank decided to decrease my credit limit to my current balance on  XXXX   XXXX , while I was on vacation. They sent a letter to my home, which takes days to arrive. They made no effort to email, text or call me - methods that would actually notify me in a timely manner. I continued to use my card, as I was unaware of the change in credit limit, and Discover continued to approve my purchases. I learned about the changed limit when my card was declined on  XXXX   XXXX , a stupid way to inform your customers but better than a letter mailed snail-mail to home - I wo n't get that until I finish my vacation. They listed my account as overdrawn, said when I called to complain that they  may h ave already reported my account as overdrawn to credit bureaus and the representative would n't do anything about that, and I am still subject to penalty APRs and harmful credit reports should they decide to do so at a later date.     Note that there is NO REASONABLE WAY to have avoided this, as  Discover  did nothing to contact me other than send me snail mail or wait for me to log into my account, which I do n't do every day. Additionally, I will have to pay the last 4 days of charges which are now listed as " overlimit '' amounts, essentially forcing me to use cash to cover these transactions I wanted covered on credit.     Needed regulation from CFPB :   1 ) Credit line decreases should require repeated attempts to contact the cardholder by all available means. Snail mail is not sufficient.
2 ) Any charges above the new limit which are approved after the new credit line is set should automatically raise the credit limit to the amount approved, rather than being considered " overlimit. '' 3 ) Any a  pproved charges within a time period after the change ( say, 1 month ) causing the balance to rise above the new limit but below the previous limit should not cause the account to be listed as overdrawn with any company or credit bureau, including the issuer.      Stretch goal : Credit card companies should not be able to drop credit limits without warning. People rely on their credit limits as available funds when planning their lives. They may be on vacation, expecting to use that amount for emergencies, or even to get home. Credit card companies should have to consider credit limits as already borrowed and thus should n't be able to drop limits without sufficient warning, say a full billing cycle. This allows people to plan and not be left high and dry with a sudden limit decrease. While credit card companies may howl that this will induce some people to max out their cards and expose the company to more risk,  which is true, this should be seen as a normal credit risk of issuing credit cards. Consider the money already loaned when a credit limit was originally approved.
Product: Credit reporting or other personal consumer reports

I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. 

I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block, ink ) due to inadequate customer service and unfair practices, witch violates the consumer financial protection act specifically cashapp failed to take timely and effective measures to prevent and address fraud on there platform. Leaving my account vulnerable and unprotected.! Further nor there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electric funds transfer app. These action have cause significant inconvenience and financial loss and I deal appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did an ACH transfer of {$1000.00} USD to my CoinBase.com account for deposit into my USD wallet there. I followed Coinbase 's instructions and included their reference numbers in the transaction. Additionally, the name and address on the transferring account match the name and address of my coinbase account. On XX/XX/XXXX the monies had still not been deposited to my coinbase wallet although the transfer showed as completed as of XX/XX/XXXX from my XXXX XXXX XXXX statement. On XX/XX/XXXX I made my initial complaint via their online customer service portal. I had tried live phone or chat support however their website indicated that was not available and they steered me to public forums or online web based tickets. I completed a ticket providing my transfer details etc. I received an automated email that same day from coinbase that it would take up to 72 hours to respond. On XX/XX/XXXX I received an automated email from coinbase indicating a high volume of support requests and they wanted me to make a positive response to indicate my complain was still an issue. I did so on XX/XX/XXXX indicate my monies were still no transferred. On XX/XX/XXXX I sent another response to coinbase indicating I would be taking actions to recall the transfer if they did not at least reply to my issue. On morning of XX/XX/XXXX I visited my XXXX XXXX XXXX branch to recall the transfer. The bank indicated it had already been transferred to Coinbase and they could no longer recall the transfer. This afternoon XX/XX/XXXX I initiated this compliant.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Debt collection

XXXX called me on multiple occasions attempting to collect a debt that was out of statues of limitations and out of there jurisdiction w/o consent or proper authorization. They did not provide the original contract verifying that I was the original debtor. They where in violation of laws 15 US C 1692 a 5 15 US C 1692 c a 15 USC 1692 d 15 US C 1692B 5 15 US C 1692 b a 15 US C 1692 b 2 a 15 US C 1605 a 15 US C 1692 f
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned I was part of not one but two major breaches are XXXX   where my personal identity, all personal information was sold including my SS #, name, middle name, married name and maiden name as well as email addresses, cell phone, address and parents address among other relatives of mine. Yes have court orders, restraining and harassment orders for life restricting use of my private information or use of my credit and FTC filings, police reports, notarized fraud affidavits, financial investigations, locked credit, security and fraud alerts now in place as of XX/XX/2019 when I learned of all this, recorded conversations and written documentation backing everything up and still TransUnion will not remove the fraudulent inquiries and other erroneous information, public records that are associated with suppressed/blocked confirmed confidential documents that are not authorized and are not associated to any address/home Ive owed, nor will they remove accounts I also dispute that are listed on my credit report that have been ordered records destroyed.
Product: Credit reporting

Transunion report does not include any of my credit lines or loans. I contacted Transunion regarding this issue and they were able to create a file for me and assured me that my credit lines and loans would appear within 30-90 days. However, its has been over 4 months and there is nothing on my report. I have checked the identity information on the report everything is 100 % correct. I 've also contacted credit card companies and they were not able to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 100 % Total XXXXisability rating from the VA XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on XXXX, XXXX and Equifax 's reports. XXXX shows completed, however the past due dates are still present on the credit report. XXXX and Equifax have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.
Product: Mortgage

My mortgage company took money out of my account two days before I had it scheduled. They cashed a check that was dated XXXX/XXXX/16 on XXXX/XXXX/16 causing my account to be overdrafted.
Product: Student loan

I started a refund request back in XX/XX/XXXX for an overpayment on my student loan balance with MOHELA. MOHELA began to process the request and it took several months to actually get the refund processed and then they said that my overpayment refund was sent to department of a treasury on XX/XX/XXXX. I filed another complaint with student aid.gov and they investigated and told me that a refund was processed however I called MOHELA again on XX/XX/XXXX and they told me that they have not yet sent a refund to department of treasury. They have delayed this for well over two months and this refund was requested five months ago. Mohela has been hard to work with and they will not process my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

WITHDRAWAL OF FEDERAL LIEN
Product: Mortgage

I originally had a home loan through XXXX XXXX XXXX in XX/XX/XXXX. I took our a VA mortgage to purchase my first house but had to move shortly after. in XX/XX/XXXX the renters in my house cause over {$15000.00} worth of damages to my home. The house was not livable without costly repairs. I spent all of the money I had repairing the house and could not afford to pay the mortgage. After my home was in foreclosure my loan was transferred to Nation Star Mortgage. I completed a loan modification packet half a dozen times and returned it to nation star. Each time I was never given a resolution. After a year and a half of trying I finally signed a document waiving Soldiers and Sailors Relief Act rights. I instructed the bank that they could sell my home now because I was told that because this was a VA loan they could not. It has been an additional year now and I am no closer to moving on with my life. The payments have piled up a level I can never hope to pay and I just want the bank to do what they have been threatening to do since XX/XX/XXXX. I gave them permission when I waived my rights and I have sent this documentation to the bank multiple times. This house has not been occupied since XX/XX/XXXX and it is destroying me financially.