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

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXXXXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 ; 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: Checking or savings account

This company closed my first account without reason and won't let me open a new account.
Product: Money transfer, virtual currency, or money service

I have used Coinbase as a Cryptocurrency exchange for a number of years and have had no issues until now. They require XXXX authentication which I've had setup since I created the account and recently they have required me to go through the process multiple times. When you exchange your money from the bank there is a standard holding fee of 5-7 business days which is expected. My funds should have been cleared by today XX/XX/2023 and now the company is stating that not only my funds will be held until XX/XX/2023 I am also unable to send or withdraw these funds for the period of time and refuse to tell me why other then the fact that it's their policy. it's obsurd that a company can hold my funds hostage and dictate I what I can and can't do with them. I have filed a complaint with the company in which I can expect to hear back from in 5-7 business days.
Product: Checking or savings account

Good Afternoon, I am traveling overseas and I am having days worth of trouble accessing my account. I have spent time on multiple phone calls costing me money on having payments declined and also blocked access to my account. I am in XXXX and their app and Huntington bank website access is blocked. I just got off the phone with Huntington Bank Customer service trying to gain access and info to my account and the phone rep told me there is nothing they can do and I need to give my bank information and account access to a third party in order to transfer money or pay my bills because they claim the govt is blocking access to my account from the country of XXXX. This is unheard of. I have access to XXXX XXXX XXXX, XXXX XXXX as well as my XXXX card. 
I have my hands tied as far as paying bills, my mortgage and even knowing what has been processed through my account. I gave them notice multiple times that I would be traveling here and I've had to call numerous times to unblock my card and now they are saying there is nothing they can do all of a sudden.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I was the victim of an identity theft. A personal unsecured loan was issued to an unknown individual by Wells Fargo Bank. I notified Wells Fargo Bank of the fraud, and I placed security freezes on my credit report. Wells Fargo failed to properly investigate and they have refused to remove the credit inquiry and trade line from my credit report. I have provided my FTC Identity Theft Report to Wells Fargo, and I have provided additional documentation. However, they have not taken appropriate action nor have they complied with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the mortgage company Seterus by the number listed by the credit agencies and there was no response by phone, so I sent a certified letter to the address provided .Seterus, inc. , XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NC XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the Fair credit reporting act any non-public information shouldn't be furnish to any credit reporting agency without my written conscent. Pursant to 15 u.s. code 1681b permissble purpose of consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased a litter robot through affirm financing in early 2021 the original order was stolen in transit or porch pirated I worked directly with litter robot to get the device blacklisted and a reshipment was ordered. The second one arrived damaged at which point I paid to ship the second unit back to litter robot and the expectation was set that the affirm financing would be refunded and I should get a refund of my original installment in 60 days from affirm 60 days came and went affirm called attempting to collect payments I informed them at that time that the merchandise had been returned outsourced fellow said a ticket was being opened and everything would be fine. They called a second time attempting to collect repeat aforementioned conversations this time I watched it closer and logged into their help center and sent a message.. the response I was given is that since 120 days had elapsed since I had returned the item and affirm didnt cancel the loan they still expected me to pay the installments.. i confirmed in writing they were asking me to pay for something I returned and no longer have. At this point I feel like their practices may be in breach of some kind of consumer protection law.. like surely its not legal to charge people for things they do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. {$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services
Product: Debt collection

Santander under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the XXXX XXXX Compliance standards. Any automated response, or XXXXXXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by Santander. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

This account needs to be removed from all 3 consumer reports due to inaccuracy and incomplete information. This account does not comply with XXXX XXXX compliance and legally can not be reported.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have tried a few times to resolves this, but now I have spoken to a Consumer Law Ofc. 

DISCOVER BANK has charged off an account and NEVER provided me with a COPY of the 1099C, for me to WRITE-OFF as INCOME to IRS. 

DISCOVER BANK wrote the account off as a PROFIT LOSS. 

DISCOVER BANK constantly has been Repeating to place on my CONSUMER REPORT with ALL ( 3 ) CREDIT AGENCIES ( XXXX, XXXX XXXX XXXX ). 

Claiming I still owe the balance, even though DISCOVER BANK took a TAX BREAK. 

If DISCOVER BANK does NOT provide me a copy of the 1099C for the WRITE-OFF. 

I will SUE for STATUTORY DAMAGES in ( 30 ) days and I will also REPORT this to IRS.
Product: Debt collection

I have contacted the company requesting the following information 1. the original contract with wet signature 2.Breakdown of the payment history 3.Proof of ownership the debt belongs to me. 

Please provide this information or remove the debt from credit reporting.
Product: Debt collection

I just found out today that a medical bill I owed was placed with a debt collection agency. I was not notified by the agency that they have my debt and given the opportunity to dispute it with them. I tried multiple times to dispute the debt with the original medical provider. I am being charged for care I received from the physician while he was under the influence of XXXX and XXXX. He was arrested, his practice shut down, tried and admitted to it to the DEA and pharmacy board. I do not feel I should have to pay for services from this physician. He shut his office down without notification to his patients. Refused to honor my requests for medical records that I faxed to the office that was still accepting them. I was unable to find a new physician to accept me without his records or a referral and it took a year to find one that eventually did uncover my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Experian PLC I have had problems with credit report abuses. I found I could put a freeze on my credit reports. Because of the problem I wanted to put a freeze as soon as possible on my reports. 
We are retired and are full time cruisers on a small yacht. We are currently cruising the XXXX until XXXX when we will return to the States. 
I had no problem setting up my freeze with XXXX. When I tried to set it up with Experion, It refused my request and told me that I had to send information in by land mail and they would review it. 
We do not have access to safe land mail out of the XXXX so I tried to contact them via email but they do not provide an email for that contact. 
Now, I can not secure my credit report from fraud and being that they are one of the top 3 reporting companies, we as consumers, are required to deal with them. Yet, they refuse to allow me to contact them via the only method I have available and refuse to allow me to freeze my account and make it safe. With an email contact, I could send them whatever information they need : ie. Drivers License copy. But, they refuse to do so. 
I consider this a violation of the Legal aspect that binds them and want to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to remove this false information of my account and I have proof so please delete this
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2024 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

I deposited around {$1000.00} to my Robinhood brokerage account and subsequently transferred to my spending account so I could use it on my debit card while traveling, as it's a card that works internationally. I had a restriction placed on my account and they said it would be reviewed in 3 business days. After 5 days I decided to contact support and was told there was nothing they can do, and to call them. I am in XXXX and my US number charges by the minute to call them, I am not going to go back and forth for an hour when the call center they're outsourcing to can not even solve my problem. I asked to be contacted via email and they continue to give me the same copy & paste responses. I have been reading reviews on XXXX and XXXX and it appears this is a very common thing for them to lock people 's funds without reason and become very hard to contact about resolving the issue, typically taking months or even years in some cases. I have seen multiple people complaining about their life savings being held from withdrawal and I do not want this to become a further issue. They will not give me any information about why my account was suspending from withdrawals. All I want to do at this point is get my money out and close my account. My account was restricted on XX/XX/XXXX and it is now the XXXX. 10 days without any progress or update whatsoever, and seemingly no way for me to get answers, their live chat support can not help me whatsoever.
Product: Credit reporting or other personal consumer reports

Hard inquiries without my consent are listed. Remove these errors from my report.
Product: Credit reporting or other personal consumer reports

This is the second issue I have with this company stating that my balances were not paid this is a company that my bank account is linked too and the payments are on auto pay I have no idea how I had a late payment on my credit file if I did not pay late I did not receive an email any notification my bank account has always been linked not disconnected and my account was charged every month on time I dont understand how I have a late payment for {$20.00} when it makes no sense o. All my payment history each month seems to be paid and now I have a late payment on my credit profile and I have been paying on time this bank issue is not my fault if they dont contact me how am I supposed to know what is going on with my account. I can not have a late payment on my credit file if its not my fault at all I have big projects coming up and this is really inconvenient for me over a company that seems to have issues with their system
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit - Highest balance {$2000.00} Terms 1 Months Account info Account name XXXX XXXX XXXX  Account number XXXX  Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$60.00} Terms - Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$240.00} Balance updated XX/XX/XXXX Recent payment {$25.00} as of XX/XX/XXXX Monthly payment {$25.00} Credit limit {$500.00} Highest balance {$560.00} Terms - Account info Account name XXXX XXXX XXXX IN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$340.00} as of XX/XX/XXXX Monthly payment - Original balance {$340.00} Highest balance - Terms 1 Months
Product: Credit card

I wanted to make a purchase that was more than my credit limit. I contacted the company and was told that I should pay the amount of the purchase to them in advance, then they would approve the over-limit purchase. I sent an EFT that was credited to my account. When I tried to make the purchase, the charge was declined and FIA Card Services told me there was no way to approve a purchase over my credit limit. I asked them to send the money back. So far they have not done so. They are keeping my money ( {$50000.00} ) under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX XXXX  misplaced my mortgage payment and for that reason my mortgage account appeared late for six payments and that affected my credit score. 
Therefore, tried to dispute the issue with Bank but my credit was never restored nor recovered and for that reason XXXX ruined my credit and affects my credibility and not qualify for any thing and no leader trust me because of my credit score which is resulted of those lates payments of which have never happened but the bank misplaced the transaction and appeared that was late but in real sense never late for any payments.
Product: Credit card

Best Buy delivered a crushed dishwasher to my residence and refused to take it back. Once I realized that the dishwasher was destroyed, I stopped uncrating it and called the store. They said that they would not come back and get their scrap metal that they delivered and told me that returning the item was my responsibility. I asked how I was supposed to do this considering it took multiple people to unload the, and the item, packing and crate are very heavy. I was told it was n't their concern. I took pictures of the crushed appliance, and I tried to get someone to help me return the item. I had no vehicle that could return such a large crate. I eventually found a neighbor who agreed to rent me his vehicle to return the item and it took XXXX males to lift the crate into the minivan, but when I got to the store they said I could not return the defective product because it was not returned to them within 15 days. This is ridiculous because it was scrap that was delivered and not the product I had agreed to buy. I have extensive photographic evidence to verify this. I was told that Best Buy could have their XXXX XXXX refurbish the dishwasher-their words, or I would have to take store credit. I told them that was n't an acceptable option after the hell they put me through to get their junk back to them. They have threatened me with legal action, telephone calls well after being asked to stop, and despite a credit dispute, never incestigating the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE FRUADULENT AND NEED TO BE REMOVED NOW
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving Inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my report is un known, un recognized and unauthorized. Therefore, I'm demanding the immediate removal of these fraudulent inquiries. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX