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

Credit Bureaus have never responded to my multiple emails since XXXX. I have been expecting their correspondence for the past XXXX  days, however, until now no updates have been provided from these agencies regarding these accounts below : XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX ..Account # : XXXX ( Original Creditor : XXXX XXXX XXXX )
Product: Credit card or prepaid card

I have opened multiple times of multiple dispute cases for XXXX unauthorized charges on my American Express Serve Prepaid Debit card since XX/XX/2021. They declined the dispute cases every time without any explanation. What worse is they permanently suspended my account after they declined my dispute on XX/XX/2021 because I keeping re-open those dispute cases after they declined me. I can not open any dispute cases any more and get my money back because of permanently suspended my account.
Product: Credit reporting or other personal consumer reports

Approximately 3 months ago, a derogatory remark appeared in my XXXX report causing my score to drop almost XXXX points. I contacted XXXX to dispute the account and also contacted Lobel Financial to ask for them to remove the account from my records. I provided my social security information to XXXX and was told that there was no record of my information in their system. They told me to dispute with XXXX. I disputed the account with XXXX and Lobel responded that they verified the account as charged off ( closed ) but with payment delays. I contacted Lobel again and was told that no record of my information exist in their system. Contacted XXXX again and was informed that i had to contact Lobel since they are providing incorrect information. The account in question is not mine and i have never done business with this company. I did not purchase or finance any vehicles with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

XXXX XXXX, XXXX TransUnion LLC Consumer Dispute Center To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX I strictly recommend you to start an investigation about the prior delinquency date, creditors name, opening date and type of this account, It seems inconsistent, so do so or simply remove it from my credit history. XXXX XXXX I truly believe that you are committing an error on the account type and status, examine this situation or erase this negative information XXXX XXXX Bank XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. XXXX XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is XXXX of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. XXXX XXXX Perform an investigation over this information, I have found somethings that I consider are inconsistent, like the account status, terms, and opening date, If I am correct please proceed to fix it. INCORRECT ADDRESS XXXX XXXX XXXX XXXX, OH XXXX Can you please verify this address I believe there may be something incorrect repair and provide my current address XXXX XXXX XXXX XXXX XXXX, OH XXXX. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the XXXX appear on my id docs Navient XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX Perform an investigation about this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX There is a possibility that a mistake is happening here, there is a 30 days late payment that I consider could be mistakenly reported, so please correct it XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. XXXX XXXX XXXX A big mistake seems that is happening here, the date filed, status, and the plaintiff name of this tax lien needs to be reviewed, im not sure about their accuracy, if not simply delete it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : ***********
Product: Checking or savings account

My XXXX account was hacked and money was transferred out of my checking on XX/XX/23. I notified my bank, Regions Bank, IMMEDIATELY and asked them to place a hold/freeze on the account so that XXXX could not take out funds. Regions does not have any agents working on the weekends that can tend to bank needs. Everything has to wait until Monday ( this is the first bank I have ever heard such an absurd thing ; most had fraud departments to help 24/7 ). Come Monday, the funds had time to process and Regions says there is nothing they can do.
Product: Credit reporting or other personal consumer reports

Checked credit report found loans and lines of credit that were not mine.
Product: Credit reporting or other personal consumer reports

XXXX ACCOUNT # XXXX I Had a loan with XXXX and have NEVER LATE. The account was enrolled in CARES ACT in XX/XX/XXXX- AND WAS IN THE PROGRAM UNTIL XXXX XXXX XXXXXXXX. 

XXXX VIOLATED THE CARES ACT by reporting my account 30 DAYS LATE in XX/XX/XXXX. 

I would like this to be resolved. I have contacted XXXX via phone and letters on multiple occasions and issue to this date has not been resolved. 

Thank you.
Product: Money transfer, virtual currency, or money service

Since at least the XXXX of XX/XX/2021, my Coinbase account has been restricted with no explanation on why ( I have funds in my account and I can't sell or buy on coinbase ). I've emailed them in XXXX because I was unable to sell my crypto but was allowed to buy and they never responded to me. 
On the pop-up telling me my account was restricted, it told me to go the support page and file a complain, however on their support page there is no option for " restricted account '' or anything alike and you must file a report through their website to potentially get a response. 
I've direct messaged @ CoinbaseSupport on XXXX 11 times and publicly tweeted at them asking for a response but to no avail. 
I decided to search online for information about what to do if your Coinbase account is restricted, instead of finding answers I found many posts of people saying they were restricted too and Coinbase support were giving no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax and XXXX is furnishing creditor : XXXX a balance of XXXX shows derogatory marks when i have already resolved this with " XXXX XXXX XXXX  '' the problem came when they furnished the same derogatory marks twice in essence they had the same bill twice and it totaled XXXX now sinc they only took one off its still reporting incorrectly i also have proof from XXXX XXXX XXXX aka XXXX look at the attachments
Product: Credit card

After numerous requests and disputes to the XXXX major credit reporting bureaus, Synchrony Bank/Care Credit refuses to provide me with an application bearing my signature requesting an extension of credit from them. Synchrony Bank/Care Credit can not and will not verify that I myself opened and used this account. I request that if my person can not be verified and validated, the charge card account and its reporting status has to be removed from all XXXX major credit reporting agencies : XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I has fraudulent coming out of my XXXX and I never got it back more than one time
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a dispute with XXXX 3 times showing payment of a collection back in XXXX. The account shows it was started 2 /3 months after I paid I c systems. And they still didnt update and close the account but keep saying that the information the company keeps reporting is accurate.
Product: Debt collection

They have called me once a week for the past year despite the fact I'm currently not in debt nor have I ever been i debt for a significant period of time. I've told them to stop calling me, as I am rather young and haven't even alive long enough to accrue debt that would require collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX  XXXX ( XXXX  ), XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Technical errors on the websites of the XXXX major credit bureausXXXX, Experian, and XXXX has actually prevented me from accessing any of my credit reports. 

XXXX customer support from any of the XXXX bureaus.
Product: Credit card

During the Pandemic ( Even though I was not working ) instead of letting my account go into default. During COVID-19 I made an arrangement with DiscoverXXXX Credit Card Company to agree to the following ( 1 ) To stop using my card ( 2 ) Intrest rate was reduced ( 3 ) No late fees would be charged ( 4 ) My payment would be XXXX XXXX each month until paid off ( 5 ) They would open my account again if I made my payments for 12 straight months ( 6 ) DISCOVER DID NOT HONOR THE AGREEMENT TO REINSTATE THE ACCOUNT AFTER THE 12 STRAIGHT MONTHLY PAYMENTS ( 7 ) When my sister passed away in XXXX XXXX XXXXXXXXI had to leave the XXXX to attend my sister FUNERAL. 
( 8 ) I had planned to make my payment .once I arrived at my sister home. 
( 9 ) The second day after arriving in XXXX my phone was compromised. ( hacked ) ( 10 ) XXXX had to closed my account down. ( 11 ) I was left without a phone which had all my apps and Bill pay on it. ( 12 ) No phone service frozen bank account I was unable to pay discovery for XXXX and was unable to reach then using my sister XXXX phone account as the toll free number did not work from the island.we tried the website information but was unsuccessful. ( 1 ) As soon as I returned to XXXX I contacted DiscoverXXXX and made my payment. They were very understanding and eventually removed the XXXX XXXX late fees that was charged. 
( 14 ) I am now back on track, but for some reason they keep adding back the $ XXXX late fees to my bill. ( 15 ) Finally I was successful in reaching a customer service agent who took the time to listen, checked with her supervisor who approved for the XXXX XXXX to be removed. 
( 16 ) I was given a final balance after the late fees was removed and that month payment were made. The balance I was given was about XXXX XXXX which would bring my balance to XXXX. ( 17 ) I paid it the following month as I had promised the agent whose supervisor had approved removing the XXXX XXXX late fees. 
Each month after I had PAID MY FINAL BALANCE OF XXXX XXXX ( 18 ) I have tried for months speaking with different customer service agents at DiscoverXXXX credit cards co. ( 19 ) EACH MONTH AFTER THAT DISCOVERXXXX  KEEP ADDING XXXX XXXX late fees to the account already paid off. ( 20 ) DiscoverXXXX also reported my account to the reporting agencies that I have not been paid my account. ( 21 ) This information is incorrect and because of their reporting MY PAID OFF ACCOUNT AS BEING LATE MY SCORE HAVE DROPPED OVER XXXX XXXX ( 22 ) DISCOVERY HAVE BEEN CHARGING ME LATE FEES OF XXXX XXXX  EACH MONTH, THEN TURN AROUND AND CHARGES INTREST ON THE DISPUTED LATE FEES STATING AND REPORTING THAT I OWE OVER XXXX XXXX ( which are all DISPUTED late fees ) and keep reporting me as being late ( 23 ) There are no new charges on the card as I had already cut up the card. 
( 24 ) EACH MONTH DISCOVERY CHARGES XXXX XXXX late fee plus interest then report my account as being late. 

( 25 ) I feel that this type of charging late fees then charging interest on the late fees is wrong.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When attempting to access annualcreditreport.com, I was having complications with receiving a copy of my XXXX credit report. After being able to log in, I was directed to a blank page, instead of the actual report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not and can not be held liable for this debt ( s ) with XXXX XXXX XXXX as the original creditor, corporate offices located at XXXX XXXX XXXX, XXXX, MA XXXX. I do not have a contract, nor was I ever made signatory with XXXX XXXX XXXX XXXX XXXX ) located at XXXX XXXX XXXX, XXXX, MA XXXX. I was never provided with a copy of the original contract as I requested multiple times. I have never settled with XXXX in any monetary amount, thereby having no official dealing with this company. The Items are listed as two separate accounts and amounts owed ( {$640.00} and {$160.00} with a partial acct # XXXX listed on one ) .These items were purchased by a third party debt collector. This account ( s ) must be deleted as the status is not justified in any way, appropriated for less than the amount alleged to be owed. How much did the collection company pay for this item ( s )? I don't know and neither does my credit report ( s ) reflect such amount. This is a clear violation of FCRA as this activity is not accurate, or complete, but frivolously reported and furnished with no definitive proof of its accuracy, which is less than adequate and immediately detrimental to the individual consumer. I have attempted to give the furnisher of this inaccurate information the benefit of due diligence expecting nothing less than immediate deletion as a professional standard, but this CRA stands nothing to gain by deletion, even if the information in question is, in fact, inaccurate/incomplete. I am demanding a proper investigation, not a reinvestigation, because I believe the disputed information was never adequately investigated in the first place, but rather verified as accurate and updated through an E-Oscar system, prematurely sold to the consumer as credible determinations. That is a clear violation of the FCRA and the law. 15 U.S. code 1681i. ( a ) ( 6 ) ( B ) ( iii ) would require by law the means to investigate/reinvestigation methods to be made available to the consumer in a timely fashion. Subsequent response without any real evidence showing how the CRA conducted their investigation other than trivial correspondence stating disputed information has been verified as accurate should not suffice and violates the law. To stall and ask for other identifying information when such information is already on file should not be tolerated internally through the CRA 's office of professional standards if you are a professional credit reporting agency. I have full faith in confidence that the CFPB will investigate you by my determination to get this inaccurate information removed from my good name. My family and I have suffered enough. 15 U.S.C 1681 section 602 A. would indicate my inherent right to privacy and especially if the information is inaccurate 15 U.S.C. 1681s-2 ( A ) ( 1 ). Again, I would ask for a copy of the original contract of, which I have requested on several occasions but was never provided. If the furnisher of the aforementioned accounts if unable to do so, I would ask the CFPB to intervene within their official capacity.
Product: Debt collection

XXXX XXXX XXXX has sent several statements to XXXX  and other credit reporting agencies for a dollar amount of {$330.00}. I never received any documentation from this company and they sent derogatory information to credit agency on the following dates : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am being harassed by this company and my credit report is being destroyed. I have never seen an agency go after a debt like this unprofessional organization. 
Who I owe {$330.00}? 
When did they first contacted me about this debt? 
Did they ever send me documentation? No!
Product: Student loan

I received an email stating that there is a law suit with XXXX XXXX. I am currently enrolled with them as they promised my payments with them would be reduced and it would go towards my loan. However, the law suit is stating otherwise. All the money i have put towards XXXX could potentially being going to the way side. I have been enrolled with them for a year or more.
Product: Credit card or prepaid card

My Wells Fargo atm card was lost and fraud charges incurred. I spoke with Wells Fargo bank and disputed the charges via phone and submitted a letter to them for unauthorized charges. Wells Fargo did not take the matter seriously and said I used my PIN number for the charges and declined my claim. I never used any PIN number nor I know what my PIN number is? 
All fraud charges incurred without PIN numbers nor any signatures on sales receipts. Wells Fargo bank and their claims department is not truthful of their investigation. At this time Wells Fargo has not done anything to reconsider their decision and collect back my funds.
Product: Debt collection

On XXXX XXXX XXXX I contacted Prestige financial about a debt that was alegged that I owe do to a car repossession. Prestige financial representatives XXXX DID NOT VERIFY THAT I WAS THE CUSTOMER BEFORE DISCLOSING PERSONAL INFORMATION AND SHE ALSO DID NOT DISCLOSE THE FDCPA MEMORANDUM AFTER
Product: Checking or savings account

On XX/XX/2023 a check was deposited into my account at an ATM. After my check was deposited, a 10 day hold was placed on the funds and it stated in my account the date my funds would be available. Before the date of the availability my account was locked, preventing me from accessing the money that was already in my account. When I called Chase to fix this issue they stated they would unlock my account after submitting a number to verify the check from the person whod written the check. When provided the number they stated they could not verify it in the system ; although the owner of the company had the phone number going on 5 years. Now they are saying the company has to cancel the check in order for access to my account. The check hasnt returned or anything. I just want access to my funds.
Product: Credit reporting or other personal consumer reports

I

n 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate