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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Allegedly on XX/XX/XXXX  this account was opened according to XXXX. But their is no paper trail at all on my credit report form XXXX everything is blank. On XX/XX/XXXX  Experian & XXXX states this account was opened. Experian has it marked as a charge off and XXXX marks it as paid off. Due to the inconsistencies between the 3 bureaus and incorrect information I'm sincerely asking you guys to please remove this derogatory account off of my credit report. I'm a military veteran that is trying to do major things for me and my family like get a bigger vehicle and purchase a home but this is one of the things that has me pigeonhold. As per the Fair Credit Reporting Act which touches on the the right to address incorrect information on your credit report, please remove this account I ask humbly. Thank you for your time.
Product: Checking or savings account

Charge by XXXX XXXX for XXXX on XXXX when hospitalized at XXXX XXXX thru XXXX. 

Sent proof and request was denied Carve by XXXXXXXX XXXX  on XXXX for XXXX XXXX XXXX on XXXX when checked in to extended stay. Sent proof. Request denied. Semiconductor round of charges were put through when card had been compromised and shut down account.
Product: Debt collection

I submitted 2 disputes with XXXX  Credit regarding a derogatory collection that was added to my report. They could not resolve my issue. The debt theyve placed on my report belongs to a family member. This not the first time XXXX has allowed this to affect my credit. In 2018 I spent nearly 6 months disputing derogatory reports and finally got it resolved, now it seems to be starting all over again.
Product: Credit card

Had a SEARS account since 1975 in good standingAttempted to buy a book on XXXX and it was declinedOn their website, my account looks fine, no cancellation or negative information of any kind! 
Selected CHAT and was just now informed that my {$2000.00} line of credit/card was cancelled at sometime due to inactivity! With absolutely NO prior written notice as required by law, I believeThe CHAT female even hung up on my cut me off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have really been trying my best to do good on my own I spend so much time homeless because I could not get approved for an apartment. My baby mama put me out my life is falling and they are really not helping please help me. 

I have sent letter, called, fax and still nothing has been done about my credit I sent letters on XX/XX/21, XX/XX/21 and called and faxed many times in between and still nothing has been done to fix this misleading info on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and XXXX and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX  and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX, Account Name # 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 record of conviction 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 card

This issue is related to Kohl 's Department Store Charge Payment # XXXX. I made payment of {$150.00} on XXXX/XXXX/2015. My checking account was debited twice for this amount for a total of {$300.00}. When I called the company to reverse the additional payment they said that they would issue a check in 90 days for that amount. Now I do not have access to my money for 90 days and they have no intention of paying interest on the amount they are " holding '' for that period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Department OF EDXXXX XXXX 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
Product: Mortgage

The XXXX mortgage is with XXXX, and they approved the short sale with a payout of $ XXXX to the XXXX mortgage, with SLS. Investor is XXXX and the guidelines are VERY clear about the max payout. SLS is demanding $ XXXX saying that XXXX is the investor who is demanding a $ XXXX payout. I have confirmed with XXXX that they are NOT the investor for the XXXX, and that they will only allow $ XXXX. SLS is acting in BAD faith by lying, and my approval from the XXXX expires XX/XX/XXXX. I need to get the XXXX approved ASAP as this is a financed offer that needs a full XXXX days to close!
Product: Checking or savings account

The Navy Federal Credit Union has not been able to issue a XXXX for the various accounts I have in this Credit Union and I need to complete my Federal and State Income Tax Returns for 2018 and other income reporting. 
For several weeks I have called their support information and they keep pointing me to a one line at the end of the monthly statements where they indicate how much I had received in interest for the saving and money market account for 2018. They failed to add on the amounts of interest earned in the CDs I have. 
This one line summary is not a XXXX that I can submit to IRS. 
I have spoke to a Manager in the phone and gone repeatedly to their location in XXXX, Virginia, nothing seems to work. They repeatedly indicate that the only way they can issue a XXXX is by sending it via US Mail. And they do not send it. hey keep send me again and again my monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, XXXX, and Experian reports. 

Please add my contact telephone number to my credit report : XXXX
Product: Credit card

{$580.00} balance transfer, sent digitally to my account. It cleared & was charged to me. But never made it to the payee. Was sent to wrong bank, they also never received anything & was willing to refund if located. Citi bank would not refund my account and is holding me accountable for this transaction. It was done incorrectly & the other account was never paid either. A representative performed this balance transfer via phone & was done incorrectly. No accountability has been taken & XXXX stuck with the {$580.00} in addition to the account never paid via balance transfer. Citi claims since it cleared it was resolved. The funds never paid off my account & never showed up. No one can locate the money. Ive called & called. Citi offered only solutions of me calling again & again to the payee, they refused to give them additional information they needed to do their own investigations as well when i did call them. Non complaint to their requests. Another investigation after there was already XXXX for 30 days. No refunds or credit was offered to me & they said i was responsible for figuring it out & paying it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. XXXX   shows the last active date as XX/XX/XXXX but Equifax says XX/XX/XXXX while XXXX  says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability
Product: Debt collection

XXXX XXXX XXXX and CKS Prime Investments are trying to collect on accounts I do not recognize. I have repeatedly asked for proof that I opened these accounts and authorized the charges, but both companies have failed to provide any full transaction history or documentation showing that I personally opened or authorized any of the accounts or charges. 

During my time on hospice care, many people had access to my devices and accounts, none of whom had permission to open accounts or make charges on my behalf. Despite this, neither company has been helpful in investigating these unauthorized charges or providing verification. Both companies are now continuing to collect without proper verification, and CKS Prime has even re-aged accounts and re-reported them after removing them to avoid verification. 

I can not investigate whether these accounts or charges are legitimate without the full transaction histories and proof that I personally opened these accounts. Due to their refusal to assist, I now request that XXXX XXXX XXXX and CKS Prime Investments take full responsibility for proving that I opened the accounts and authorized every charge. If they can not do so, they should stop all collection efforts and remove the accounts from my credit report.
Product: Money transfer, virtual currency, or money service

Starting XX/XX/2019, Coinbase locked my account and wanted me to verify my identity again with my new telephone number. Since then, I contacted them for help 12 times : via website 2 times, XXXX direct message 5 times, and by follow-up emails 5 times on XX/XX/XXXX, XXXX, XXXX and XXXX. All attempts at contact, and acknowledgment of identity verification are attached. 

Their system asked for a selfie and my driver 's license and a new dummy account, which I created and told them I had done so on XX/XX/2019, and then it ghosted me. I have not received any reply saying when I can expect access to my account again. I have simply gotten robot replies at best. 

I have about {$15000.00} of cryptocurrency and cash in that account that they are sitting on and that I was trying to get out from their system when this happened. It is almost as if Coinbase is keeping it for themselves. Are they stealing my money or identity? It should not take this long to correct a phone number. Frankly, their process appears almost criminal. Right now, I am in a state of consternation. I feel like I have had my money stolen from me, and my previous good impression of Coinbase has gone.
Product: Debt collection

Hi There is a company trying to charge me {$13000.00} for an apartment lease that i was only in the apartment for 2 months the rent was {$1300.00} i had to break the lease and was paying the rent on past month as well as let them keep security deposit. They tried to make me pay an extra 2 months of rent and i was advised not to. They sent it to collections and charging me for the entire lease at XXXX and it went up over the past 2-3 years to XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX  XXXX
Product: Checking or savings account

Previously filed complaint XXXX unresolved as of today. See that complaint for a detailed explanation of what happened. Long story short my XXXX  is not working under my new phone number XXXX. 
As of filing first complaint, 1 month ago, I've received no phone calls or emails from Ally. Only a response to the first complaint that they are 'looking into it ' which is not a resolution. 
This lack of follow-up or care is disappointing. I am writing this to say that I am going to give it 1 more month to see if my zelle can be fixed. If not fixed by XXXX. I will be closing out my account and going with another bank.
Product: Consumer Loan

On XXXX XXXX, I XXXX XXXX tried to make online payment to Ally Financial online payment system. I received an error message stating site unavailable and to try again. I was nearing a 60 day late payment status but on the XXXX I was not 60 days late. After repeated attempts to make payment online, I went to a XXXX location and made a expedited payment to avoid a 60 day late reporting to my credit bureau and also because I was in the process of purchasing a new home. I Sent the payment of {$550.00} via XXXX around XXXX and as I normally do when I 've sent payments via XXXX , I would call the payment into Ally to advise them of the payment made and Ally would call XXXX and verify payment was indeed made. I called and spoke to a representative after payment was made and as normal, Ally Representative called XXXX and verified payment using the confirmation that I provided to representative. The representative then documented my account information with verification of payment. I then called ALLY on the XXXX XXXX, 2016 just to make sure payment was posted properly and to be reassured that I would not get a 60 day hit on my credit because this would indeed deny my loan. I spoke to an Ally manager - XXXX XXXX, who I express my concern about getting a 60 day late hit to my credit reports and she reassured me after I thoroughly explain to her with leaving any information out pertinent to the payment that I would not have a 60 day hit to my credit and that when ALLY reports, they report current status of account. I was hit with a 60 day, my loan was denied, my credit rating dropped and I after attempting to escalate this matter to the escalation manager, I 've only been told that a manager would return my call. No manager has returned my call and I have tried escalating this matter to the Ally Corporate offices only to be told that they would send information to Customer Service, but customer service is not being cooperative and at times unnecessarily rude. I am seeking to have all negative information that ALLY has provided to any and all of the XXXX credit bureaus corrected to a positive status at this point due to the XXXX, pain and suffering, and punitive and malicious acts of Ally. I am also requesting this to be escalated to a senior executive level and NOT to the unwilling and rude customer service department and I have been patiently seeking help from in the past. I have spent hours on the phone with ALLY which has been a complete waste of my time!
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Had a place in my name with roommates with the rent and utilities being split between three people. I was unaware that the cable by XXXX was put in my name after I left the roommate situation. Currently in collections by Eastern Account Syst
Product: Debt collection

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for 'verification ' or proof of my mailing address, but a request for 'VALIDATION ' made pursuant to the above named Title and Section. I respectfully request that your office provide me with factual evidence that I have any legal obligation to pay you.

Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license number and Registered Agent. 


If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate to bring legal action against you for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act -Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Kind regards, _________________________________________