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

In XX/XX/2020 I found out 1 of my credit cards had been used to add 4 authorized users. My account was closed through no fault of my own i paid balance in an attempt to keep my credit good, the credit card company reported my card as charge doff even though i paid the account in full.
Product: Debt collection

XXXX XXXX called me saying they had acquired a debt that I owe. I had not heard of the debt and requested written debt validation. They said they would send it, but I never received it. Never received to my email, or the address they had on file. I requested it multiple times, and to also only be contacted by mail. They continued to call and not send the letter to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experian XXXX ; an on-line program that allows a consumer to pay {$14.00} to Experian and that allows a specific company with which the consumer wishes to conduct business to view the consumers credit rating info for free. 

I signed up ; my prospective tenant signed up ; she has paid the fee and when I log-in and press the " View Report '' tab ; the website states that Experian needs to verify that my email address is valid ( which you would thing they already know when I signed up and they sent me emails ). To do so, they will send me an email for me to then access their verification program ; after which I can then see my prospective tenant 's credit report! 

All that is fine except they NEVER send me the verification email and yes I have checked my Spam/Junk Email folder as well on multiple occasions for the last few days to no avail. 

On top of this ; try contacting Experian to either type, chat, or speak with an agent to resolve this matter! If you reach anyone ( surely no one with XXXX will speak with you because you can't get a phone number for XXXX ) they tell you it's an on-line part of their business and they can't help me! 

Please, just open your browser and type in Experian .anything! Contact Experian, discuss a problem with Experian, speak to someone at Experian, whatever and you will NOT be able to do so. 

They do want your SS # and zip code : why??? I am not looking for my credit report but even after giving it out, no human or any other option exists. Sounds easy? Try it! 

So they have tons of email accounts and on-line programs to seduce you into signing up for their services but never give you a method to communicate with them. 

I just want to see my prospective tenant 's credit report on Experian XXXX and they will not even communicate with me!
Product: Credit reporting or other personal consumer reports

Account name, CAPITAL ONE Date opened XX/XX/XXXX XXXX, XXXX. 
Status updated XX/XX/XXXX. 

XXXX XXXX  Account type Auto Loan, Date opened XX/XX/XXXX StatusPaid, Closed.Status updated XX/XX/XXXX, These accounts listed above with the above information is listed on my credit report as delinquent. Capital one and XXXX has been hit with a huge data breach and i reported to the account several time this is incorrect not my account and I dont have such delinquency but they keep reporting it to my credit report specially XXXX, I dont received any prove I request and no one does nothing about just continue reporting and dismiss my claim. This negative information and fraudulent information has impacted my credit significant and has cause my current creditor to lower my credit
Product: Credit card or prepaid card

Paypal.com XXXX  was previously using synchrony bank and the sychrony bank website to handle all credit card matters. Now everything is on through the paypal website. 

Prior to this change I had auto-pay set-up for my credit card payments. 
I come to find out I no longer have auto-pay set-up. 
I'm trying to link my bank account details to pay my credit card statements. 
Paypal is setting an automatic security hold while trying to link this bank account to paypal. 

I've tried to contact paypal via their chat, which is automated. 

The chatbot allows me to try to enter my routing and account numbers through the chatbot, I do that but I recieve a message letting me know that my attempt has been blocked for security purposes. 

I'm basically going to pay a late payment fee because of this and overall inconvenience. 

- Poor notice of the change - Autopay was cancelled without my approval - Linking bank payment info with the new paypal mastercard interface is troublesome - Lack of support. 

I will continue to try to reach out to PayPal support but I assume I'm not the only user with these issues.
Product: Credit reporting or other personal consumer reports

I have called each fraud inquiry and they have stated that my information is not in the system. They stated that they have no record of my name DOB, SSN or signature of authorization on file so stated by the Fair Credit Act any unauthorized and fraudulent inquiry must be removed immediately. 

Please Remove Hard Inquiries listed Name of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXName of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company called our daughter yesterday and clearly said that they were from a debt collection company, which I have read they are not supposed to do. I have the recorded message from my daughter 's cellphone as proof.
Product: Credit card or prepaid card

Attempted to contact creditor after discharge from military card closed and charged off without warning after discharge. No statements received no contact information to get to someone to pay balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised due to the Equifax data breach. I have attached all information needed for the credit reporting agencies to BLOCK the fraudulent accounts immediately!
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and non verbal per 15 USC 6802.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S.C. 1681 findings and statement of purpose Violation of my rights to privacy in The Privacy Act of 1974 by disclosing my Non-Public Personal Information to Non Affiliated 3rd Parties Without Prejudice, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/ PPC is reporting negative payments during COVID Violating of the Heroes Act. 

According to Section 110401 of the Heroes Act, it clearly states that negative consumer credit reporting is suspended for an additional 120 days during this challenging time. The intention behind this provision is to prevent credit scores from being ruined and to protect consumers from adverse effects on their credit reports. 

Synchrony Bank is violating my consumer rights
Product: Debt collection

I purchased flight tickets to fly on XXXX XXXX. I used a company called uplift. I did this in XXXX so that I could fly on XX/XX/XXXX of this year. I cancelled the flight in XXXX and I contacted XXXX XXXX about the issues and was told that they would contact uplift and let them know that the reservation is cancelled, but that was never done and I was forced to pay for a flight that I never took or else uplift would put negative remarks on my credit report. So I paid for something I never used at all
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Equifax, and XXXX and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT XXXX [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED UNVERIFIED PLEASE REMOVE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CA XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX  Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, MN XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE REMOVE ALL FRADULENT INQUIRES : BENEFICIAL DATED XX/XX/XXXX XXXX  XXXX : DATED XX/XX/XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ALL WERE CREATED BASED ON FRAUD AND POLICE REPORTS WERE SUBBMITTED.
Product: Payday loan, title loan, or personal loan

Obtained a title loan # XXXX from XXXX XX/XX/XXXX in the amount {$11000.00} with interest XXXX XXXX to be used to make a down payment for business rent. 
I used my VA XXXX to qualify for the loan and make payments. As of XX/XX/XXXX, my current interest rate is XXXX  XXXX. I have been harassed with many phone calls and text messages for many months in an attempt to collect late fees in the amount of {$110.00}. 
I have made many phone calls to this company to ask them to stop charging illegal late fees. I have not once been over XXXX days late with loan. 
This company is in violation of the 2007 Military Lending Act by charging me over XXXX XXXX in interest fees and illegally charging late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, Equifax and XXXX would like them removed immediately. Previously disputed with no resolution. 

XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

afni Subrogation Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX Www.afnicollections.com Tried to collect {$33000.00} on behalf of XXXX XXXX XXXX This is fraudulent and no money is owed to XXXX. I believe this company is engaging fraudulent activities. They targeted my XXXX mother, who was the driver of a vehicle that I own that was stolen and got into a wreck. My insurance company XXXX XXXX XXXX ) and XXXX worked through the process and it was determined that my mother nor I held any responsibility for the accident that the thieves caused as the vehicle was not in our possession. 

In short an official looking letter was sent to my mother threatening her, without any mention of me or sending me ( the actual owner and insurance policy holder ) any information at all. They are clearly trying to scam older people into paying debts that they don't owe. I called the company and explained who I was and that I know that there is no such debt owed. The hung up on me. Please make sure this company isn't doing this to other older Americans.
Product: Debt collection

In XXXX someone deposited some checks into my bank via Mobile Deposits. As soon as I seen them I went to the Bank Branch and notify them. I was told there will be an investigation and will receive a call on what we will be going on. Two weeks went by I heard nothing, so I decided to go in person and was told the situation was still being investigated. Some weeks later I find out my account was closed and wasn't told anything about the investigation. I had lost XXXX paychecks as well because of this because I had just setup direct deposit with my job. I was told that my account was closed, the fraudulent activity was taking care of and that I was not held responsible. Fast forward to XX/XX/XXXX the bank took an substantial amount of money from my checking account as a recovery offset to the account that was closed because of the fraudulent activity. I have yet to get answers and call backs I was promised 5 times. I was a victim of a cyber hack through the bank 's mobile app of Truist and I shouldn't be held responsible for something I didn't do. The money they took was also not money and was for bills and help me get my life back on track. I am also a victim of a false arrest that cost me to lose my entire way of living ; my job, the ability to get a job, my car & that's currently another situation I'm dealing with. So I'm writing this complaint because the bank did not protect my information and as a customer I don't like I was protected as promised when opening the account and contemplating about doing future banking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old private student loan that defaulted in XXXX however the collection agency ACCESS CAPITAL is reporting it is a brand new collection from XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

CoinBase won't resolve my case. I still haven't ever heard from a specialist nor have I had any of my formal complaints responded to. 

Case numbers : ( My dozens of attempts to get in touch with the exchange ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently read that coinbase is a " fiduciary '', ( legal term ). They have a legal responsibility to act in the best interest of their clients, or in our cases, account holders. Coinbase did NOT act in my best interest when they locked me out of my account back on XXXX. All my efforts to resolve this have been to no avail. I've lost access to my portfolio since then, and the appreciated value thereof due to a sim card swap. I had two factor on as well as XXXX authentication but most of my funds were still stolen somehow. I believe there's still money in my portfolio but I still haven't been able to access it. I've re-sent verification weeks ago to reactivate my account but never heard back. If I do hear anything from their team ( which is rare ) it's always just a runaround that they're waiting for their specialist to gather more info before they will contact me. I've been locked out for soon to be three MONTHS now. I was told that they would respond within 15 business days 30 days ago and they are ignoring my repeated attempts to resolve this matter. CoinBase has no doubt effectively stolen my life savings at this point and I don't know what to do next. I've reached out to my local Police Force as well as XXXX XXXX XXXX. I've used CoinBase for six years and I've never in my whole entire life experienced such shady business practices or deplorable customer service. 







After submitting a complaint on their website it reads " We hope there will never be a need for you to refer your complaint for litigation purposes but please be advised that our internal complaints process will need to be completed before any litigation process is initiated. '' Which to me says " We will never unlock your account so you can never sue us. '' CoinBase is a fiduciary. They have a legal responsibility to act in the best interest of their clients, or in our cases, account holders. CoinBase did NOT act in my best interest when they locked me out of my account back on XXXX. All my efforts to resolve this have been to no avail. I've lost access to my portfolio since then, and the appreciated value thereof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year> Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following unauthorized inquiry and two collections. 

Inquiry- 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I disputed this Ashley XXXX  account from Ashely Furniture XXXX XXXX  more than two months ago with Synchrony Bank, and it was cleared off my credit report to a XXXX balance which is what is should be. I purchased a mattress from Ashely Furniture on XX/XX/2022. The mattress was and became deemed defective by Ashley 's Furniture  Corporate office in XXXXXXXX XXXX XXXXn XXXX of XXXX. Ashely Furniture then in XX/XX/2022 sent me a new Exchange order to replace the defective mattress. There mattress people came into my place with a new mattress " Had me sign for the new mattress and then left with the new mattress '', they never even took the defective more than 2 inch deep hole mattress back Ashely Furniture  already deemed defective themselves. The mattress was no good, it sinks and it just defective! I know longer want to do business with Ashely Furniture Store. My account was current and paid in full via XXXX up until XXXX when a balance was then added back which should not be to my credit report, my balance was XXXX for the last few months and account was paid in full.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Product: Bank account or service

We met with an employee ( relationship banker ) at M & T who calculated our eligibility for a home equity line of credit to be {$40000.00}. She assured us that with our excellent credit processing was a mere formality. After delay in hearing about our line of credit I stopped into the bank and was told that she had " miscalculated '' and we were only eligible for {$12000.00} line of credit.
Product: Mortgage

I am in process of a refinance with my current first mortgage holder. I have a second mortgage with Keybank, that I took out last year. At the time this was labeled what they called a " high loan to value '' home equity loan ( closed ended loan ). We had an appraisal and the LTV was about 99 %. Fast forward to today, I have a closing scheduled to refinance my primary mortgage and lower the rate by 1.125 %, causing a $ XXXX/m savings, at the SAME term I have left XXXX payments, and KeyBank has DENIED the subordination, causing me to not be able to close. Keybank is stating they will not allow TLTV to be over 90 %. My issue is that they put me in this position and now will not " allow '' me to save money with my current lender. Nothing has changed since 1 year ago, in fact my credit and income is better, and value has only increased. I've never missed a payment and consistently pay MORE than the minimum. Refinancing will allow me to have even more funds to pay this loan off. It is not a line and there is no risk of additional exposure. 

I need to understand the reasoning here, and when I called I was told I could not talk to the decision maker and basically have no options to dispute this. I need to know how they were ok putting me here 1 year ago, and now are not ok with the position they put me in.
Product: Credit reporting or other personal consumer reports

A collection appeared on my credit report on XX/XX/ for {$1000.00} from XXXX XXXX XXXX. Over the past year, I have fought this inaccurate collection, with no success and no additional information provided by XXXX XXXX XXXX, Transunion, or XXXX. XXXX is the only credit bureau that has understood the issue and correctly removed the collection from my credit report. XXXX XXXX XXXX, Transunion, and XXXX continue to not listen or respond to my complaints that this collection has been incorrectly added to my file.