23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Pending transaction will not be removed, limiting credit usage. Comenity claims XXXX has to remove charge, XXXX claims comenity does. They won't remove a charge that's a month old
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to   XXXX   about a fraudulent inquiry on my report that was affecting my credit score because of multiple inquiries by the same companies. I never authorized my information to be shared with this company. I contacted the company, in which they initiated the information was factual and that it will not come off my credit report. They also sent out a letter for me to contact them about my dispute. The dates that they tried to pull my report was  XX/XX/XXXX  ad also  XX/XX/XXXX . I feel violated of my rights and the accusations that they are putting on me about the credit application I 've never applied for. I do not have any credit with them or have ever tried to apply for credit with this company. There was a freeze on my credit report and I was never notified of them pulling my credit report.
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that i had inquiries that didn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all there bureau for over 60 days now no response back, I also written XXXX XXXX  these agency are giving me the run around. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 6 o 2 stated I have the right to privacy,15 USC 1681 section 6 o 4 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

On all three bureau they have reported late payments for car, and a credit card late payment. 

I also wanted to make a complaint regarding a bankruptcy that is begin reported by all three bureau 's and XXXX XXXX, I have requested documents to show proof of were they have received this information, I have contacted the bankruptcy, courts they stated they did not authorizes any reports, So all sent letters and called to have this information removed and show me proof of how they received it. 

I have advised each bureau and XXXX  XXXX I would be filing a complaint. I will give you 30 days to respond back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and ss #
Product: Debt collection

I responded to a letter from Client Services Inc. regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector
Product: Credit reporting or other personal consumer reports

I submitted all documents to Experian showing satisfied accounts including sold off accounts to collection agencies from original creditors. There are original creditors reporting debt to my credit report after their companies have already sold or passed off the debt to a third party collection agency. You can see multiple accounts with same exact balances dollar for dollar and showing the debt collection agencies received payments and accounts were all settled and they removed and reported the information correctly versus original creditors after multiple calls, letters sent, and proof provided to their debts satisfied by their 3rd party collection agencies they have failed to still remove the incorrect reporting to my credit report. Also any account which is only my student loans, current bank accounts, and one credit card of {$300.00} limit have the correct current addresss. All my accounts were updated with correct addresses and those creditors reporting anything else but my current address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX are fraudulent reporting on their end by laws that protect me as the consumer therefore must immediately be removed and expunged from my credit report as has been done on other credit reporting bureaus minus yours EXPERIAN, who is not reporting or completing investigations accurately and not filling policies that protect the consumer. Rather now for months of continuous disputing on my end you have still failed to correct my report with actual Factual evidence and submitted documents and documented and recorded calls to your bureau ( which are not based in a USA call center, creating additional barriers for myself the USA Consumer to rectify any and all information and reporting pertaining to my credit report, not only holding companies at fault but your company as well for violations of consumer act, and protections for myself and credit under California and United States of America Consumer Reporting Laws and also violation of not providing all receipt of my transactions and correspondence with your company and not short of witnessing your own employees pretend they are unable to hear me on the telephone line as we are in mid conversation in attempt to resolve the matter. But me observe hearing laughing and employee stating exactly what they are doing thinking they are muted and I can not hear them making phone of me calling to fix errors on you and companies end. And me Confronting the agent letting them Know I heard them and they can hear me to be hung up on after they were aware they got caught lying. This is not the first time your company has done this and as I know its one of your go to scripted responses. Therefore if not corrected all companies including Experian will be in litigation once complaint is officially filed in public court taken actions against all who have seriously violated my rights for over a year now.
Product: Credit card or prepaid card

Bluebird has stolen over {$1400.00} from my prepaid card. They have done this by freezing my account, they will not answer any of my calls, they are blocking my automatic debits for auto insurance, cable, etc. My utility bills, student loans, etc. are past due because of their theft. They decline me every time I try to male an ATM withdrawal to pay my bills. They have basically robbed me of my income and they apparently answers to no one.
Product: Student loan

Lender withdrew XXXX payments from my account when they were only authorized to take 1. They had a computer glitch and mistakenly took XXXX extra payments. I was not notified by my lender about this issue. The only reason I found out is because I was issued a Non-Sufficient Funds notice from my bank due to the extra payments they took out. Once I found out the error, I called them immediately. It was at that point that they notified me of the glitch that caused the error. I feel this was completely negligent behavior to not even notify me. Now I have to prove that they were the cause of the NSF to get the fees repaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attach proof my account statuses for XXXX and XXXX that were never late. XXXX XXXX was paid off result in an overpayment. XXXX XXXX  listed on reports with a balance of {$31000.00} only show a remaining balance of {$1100.00}. XXXX XXXX was resolved after negotiation regarding restricted status. 

I am letting you know you did not have my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports. You also need my written consent to report anything outside permissible purpose and by law must send required disclosures before you can report anything to my file. Nothing that is information can report to my file without permission. 15 U.S. Code 1692g - Validation of debts, I am the only one that can validate any of my information.
Product: Credit card or prepaid card

I have a loan with US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and US BANK with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. XXXX XXXX
Product: Credit card or prepaid card

I am a natural person and a federally protected consumer. NAVY FEDERAL CREDIT UNION is a financial institution holding the account ending in XXXX that belongs to me, the consumer. On XX/XX/2021 I certified mailed with a green receipt a remittance coupon, a negotiable instrument as defined by UCC 3-104, to NAVY FEDERAL . Before sending the negotiable instrument, in an attempt to gain clarity I asked a representative in the secured portal how NAVY FEDERAL CREDIT UNION wanted me to indorse the remittance coupon. I was told to indorse it to NAVY FEDERAL and that is what I did. The negotiable instrument was received on XX/XX/2021 and signed for by an agent on behalf of NAVY FEDERAL. NAVY FEDERAL accepted my negotiable instrument for the value of {$22000.00} as the instrument was not returned. Pursuant to UCC 3-603, NAVY FEDERAL is a person entitled to enforce the instrument, therefore, even if they refused it the alleged debt is discharged upon receipt. On XX/XX/2021, NAVY FEDERAL without my consent processed an electronic fund transfer of {$450.00} from my personal savings account to the credit card account. This is a violation and breach of their own card agreement as my negotiable instrument paid NAVY FEDERAL in full therefore, NAVY FEDERAL had no right to go into my personal savings account and process an electronic transfer of my funds. This is an unauthorized electronic fund transfer and blatant wire fraud as I did not consent to having my funds electronically transferred from my personal savings account to the credit card account ending in:XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of inaccurate and damaging accounts on my Experian credit report. Despite my efforts to rectify this issue and providing evidence, Experian has failed to comply with the law and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are inaccurately reported by Experian : XXXX XXXX Account # XXXX : Experian removed this account from my credit report, which I greatly appreciate. However, there is another XXXX XXXX account that Experian has failed to remove. 
XXXX XXXX  Account # 2 : Experian continues to report a XXXX XXXX account on my credit report, despite receiving notification from XXXX XXXX that this account has been deleted from their records. I have attached a letter from XXXX XXXX confirming the deletion of this account and requesting its removal from my credit report. 
In addition to the letter from XXXX XXXX, I am also attaching a copy of the police report documenting the fraudulent activity and identity theft. 

Experian 's failure to comply with my request and remove this inaccurate account from my credit report is not only a violation of my rights but also against the law and the FCRA. 

I demand that Experian immediately rectify this situation by removing the aforementioned account from my credit report. Failure to do so will result in further legal action. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

My name is XXXX XXXX, a consumer who recently saw a alleged debt on my credit report from Transworld Systems. I have never been in communication with this company about alleged debt and I never gave them approval to have my information or to furnish anything on my credit report. I recently sent a debt validation letter to the company in regards to whats on my consumer report and I have no received a response.
Product: Credit card

I am writing to lodge a complaint against KAYS Jewelers regarding a {$440.00} interest charge imposed on an account belonging to my husband, and myself. The account was fully paid off and was recently under a promotional plan from XX/XX/XXXX to XX/XX/XXXX. This plan offered a 12-month interest-free period, during which we made monthly payments of {$74.00} toward our {$2700.00} balance. The promotional period ended on XX/XX/XXXX, after which we expected any interest charges to commence if the balance remained unpaid. 
Before obtaining the card, a representative at the XXXX XXXX branch in XXXX, NC assured us that interest charges would only apply after the 12-month promotional period if the balance remained outstanding. Consequently, we believed that interest for the first year would be waived entirely and would only begin accruing thereafter if the balance wasn't cleared within 12 months. However, on XX/XX/XXXX, we discovered a significant interest charge posted to our account on XX/XX/XXXX. To our dismay, we were informed that we owed a year 's worth of interest for the uncleared balance that remained on the account after the 12-month promotional period. This information was not disclosed to us during the card application process, leading us to continue making minimum payments into the 13th month. Had we been aware that a lump sum of 12-month accrued interest would be imposed instead of monthly interest starting onward from the 13th month, we would have paid off the balance much sooner. Following a discussion with a representative, we promptly paid the entire balance of {$1400.00}. The representative assured us that they would request the branch to acknowledge the payment and remove the interest charges. However, despite expectations of receiving email confirmation regarding the status of this request, we have not been contacted.
Product: Debt collection

XX/XX/2014, I purchased a living room suit and a dining room suit from Conn 's Home Plus. A company based in XXXX with retail outlets around the country. I bought my furniture in XXXX. A few months after the purchase, as well as earlier this year, I was between jobs and fell behind on payments. They have proceeded to hound me to death by " blowing up '' my cell phone. I have received as many as ten calls per day, even on days when I answered their calls to explain my situation. Yesterday I received ten calls. Today as I type this at XXXX MDT, I 'm up to six. I have had to turn off the ringer on my cell phone so I 'm not disruptive at work. The stress that I 'm suffering from this harassment is taking a toll on my health. 

Additionally, when I signed for the loan it was for " two years same as cash ''. They failed to notify me that if I missed a payment this agreement would be null and void and I would have to pay the full amount of interest even if I paid off the furniture early. So, I will end up paying thousands of dollars extra by the time I can finally pay the furniture off. I read that CFPB could possibly help me. I hope that 's true!
Product: Mortgage

I spoke with the lender before and they said that we can do a short sale. I listed the property again with my realtor as a short sale. My realtor called in and checked if there is anything needed from the lender for a short sale and they said that we can not do a short sale because there is an auction date that is not within the XXXX time frame. All I ask is that they postpone the foreclosure so that we can do a short sale which will benefit both parties. I just want this to be done with and with them not allowing a short sale that is just unfair.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase back on XX/XX/2021. On that day, I went through a series of two validation processes. Both of them reported successful. After the validation process, Coinbase allowed me to make a deposit and invest in cryptocurrency in the amount of XXXX, which I transferred. They made the asset purchase, and then promptly have locked me out of my account since, claiming my account is " under review ''. There's been no other communication from them, and I am having no similar issue with my other investment accounts with other firms. 

I have emailed them multiple times to no response. They are also not really responding to anyone from what people have reported. They offer no phone number for assistance, and I keep getting messages that " come back in a day or two for us to complete validation ''. Other parts of their site say I am verified, take me to the verification page, and say I'm verified. 

So essentially, I've had a small amount ( thankfully ) of financial assets ( XXXX XXXX tied up in their system and not able to manage my investment. As a result, it has begun to lose value in the typical market manner, and I can not control it. 

The second issue I have with them is in their advertising they say you can earn up to {XXXX in Cryptocurrencies by learning about them. What they don't disclose until the entire registration process is done, is that there is a waiting list, and there is no guarantee that you even will have a chance to earn it which feels like a bait and switch. I was eventually able to do one of them, only to be told I earned something around XXXX, and then it has not been deposited. Even the account opening bonus of {XXXX in bitcoin has not been deposited either to my account.
Product: Debt collection

this debit is not mind im a victim of idenity theft never had XXXX and they told me they removed the account now they reported to collection and they threathned to arrest me if i dont pay this fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. 
-These account has never been late or had ever been late with another XXXX XXXX in the past. 
-They also failed to notify me at least 21 days prior my due date.

Under U.S Code 1666b, they must do so in written to notify, but had never did so.

Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. 

" The CARES Act, which was signed into law on XX/XX/, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''