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

My Credit Union, XXXX XXXX XXXX XXXX XXXX, merged with XXXX XXXX XXXX XXXX XXXX. All of my accounts/credit card/loans transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Credit Card for XXXX XXXX still shows up on my credit report, as well as the converted credit card for XXXX XXXX. Therefore, I have XXXX credit cards showing on my credit report, whereas I only have XXXX ( with XXXX XXXX ). XXXX XXXX sent a letter to the credit agencies to take the XXXX XXXX credit card off of my credit report. I received a letter from XXXX XXXX stating that their records indicate that my accounts are only reporting once, however, I just looked at my credit reports and both accounts are there for the same card ( XXXX on XXXX XXXX and the other on XXXX XXXX ). The issue is that I've paid off my XXXX XXXX Credit Card, but my XXXX XXXX Credit Card is showing a high balance. 

I'm in the market for a home loan and this is a problem. My home is supposed to close at the end of XXXX. 

I've tried to dispute it online, but every time I click on the link, XXXX XXXX XXXX, I get an error message and it won't let me do the dispute. I'm seeing the information, my lender is seeing the information, XXXX XXXX is saying that they are only rporting the XXXX credit card, and XXXX XXXX XXXX XXXX XXXX XXXX is out of business ( as of XX/XX/XXXX when they merged ). 

What do I do? 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late payments for these two dates : XXXX 2014, XXXX 2014 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Tracking debt bondage, which falls under tracking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human tracking of Debt Bondage and would like for all listed accounts to be blocked and deleted. 
Account # XXXX XXXX XXXX Account # SOALAOXXXXXXXXXXXX Balance, XXXX $ Account # XXXX XXXX XXXX XXXX Account # XXXX Balance, XXXX $ Account # XXXX XXXX Account # XXXX Balance, XXXX $ Account # XXXX XXXX XXXX  Account # XXX Balance, XXXX $ Account # XXXX XXXX Account XXXX XXXX Balance, XXXX $ Account # XXXX XXXX Account # XXXX Balance, XXXX $ Account # XXXX XXXX XXXX XXXX  Account # XXXX Balance, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX Balance : {$1100.00}.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase on XXXX after providing them with ID info and checking account access in order to pay for purchase of XXXX coins. I made 3 purchases one on XX/XX/XXXX for {$2500.00} another purchase on XX/XX/XXXX for {$7500.00} and a final purchase on XX/XX/XXXX for {$4300.00} totaling {$14000.00} in total coin purchases that Coinbase withdrew from my checking account. The last {$4300.00} purchase I questioned Coinbase by email asking for clarification about it because I forgot what coins I had purchased with that withdrawal. Coinbase immediately locked my account, assigned me a case number and told me they would have a response in 4-5 days. Customer support emailed me on XX/XX/XXXX giving me case # XXXX - QUESTION ON WITHDRAWAL FROM MY CHECKING ACCOUNT. 
I did not hear back so I escalated my case and on XX/XX/XXXX the gave me an new escalated case number XXXX saying they would get back to me within 15 business days. Once again they did not get back to me. At that point I kept following up with numerous emails asking when they would unlock my account so I could have access to my money. No response. On XX/XX/XXXX I received an email from Coinbase customer support as follows : Hi There, Thanks for the response! We would love to help you further, however, this case has been closed and can not be reopened. 
Please submit a new ticket to our online support form here for continued assistance : https : //help.coinbase.com/en/contact-us.html Thanks, Coinbase Support They closed this case number after keeping me waiting for 2 weeks and never once responded to my issue. 
This company has hundreds of complaints of accounts being locked. The only way to communicate is by email to their customer support and they are no help whatsoever. There is no phone support, you can't speak to anyone. It's frustrating and what they are doing amounts to theft of small client funds. If one is a large institutional investor I doubt they be treated this badly. 

All I'm asking is for this company to be honest, unlock my account that should not be difficult. 

PLEASE PLEASE HELP THIS IS WRONG AND THEY DON'T SEEM TO CARE. 

Regards, XXXX XXXX
Product: Credit card

I have come to the point where I have exhausted all other options of why American Express has not wanted to honor it's commitment to taking care of military soldiers. One of your campaign themes is honoring and supporting the military but when it comes to reducing the interest rates on your loans, you look the other way. This has at least been gross misrepresentation and neglect not to mention it is against the law. Not only have you done this over the last few years on my accounts but my wife 's as well who is a military spouse ( same household ). I have included some members of congress in the hope that they will ensure that American Express commits to actions versus just words. Included are my orders dating back to 2016 in which case American Express has given very weak answers as to why you can't reduce your interest rates to at least the required 6 % while a servicemember is on XXXX XXXX. I do recall many years ago, XXXX XXXX XXXX did this same thing and paid a heavy penalty in front of Congress and since they have gone above and beyond to take care of military personnel and I think now is the time for American Express to do the same. Listed on the last Fax Coversheet are all of my accounts with American Express as well as my wife 's in the hope that you will once and for all correct your gross mistakes. Attached are my orders that I am currently on dating back to 2016.
Product: Money transfer, virtual currency, or money service

I submitted a complaint earlier in regards to a transaction dispute between Paypal and XXXX ( Complaint ID XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX series and need to reactivate my account for research purposes for my employment. My XXXX account was canceled as a result of the chargeback I asked for after Paypal used a credit card that I didn't authorize when a specified card was declined. When I attempted to reactivate the XXXX account you're asked to choose a payment method. I used the Paypal linked to the email I've always used. XXXX always brought me back to the previous screen saying that there was an error. So I called XXXX and the person I spoke with said there was no block towards XXXX on their end and that Paypal isn't allowing the authorization to link my Paypal to my XXXX account. They suggested I link my card directly and I let them know I don't now, nor have I ever put any streaming subscriptions directly on my credit cards to avoid situations exactly like the one I'm dealing with. So I called Paypal and explained the situation. The agent I spoke with around XXXX XXXX  XXXX told me that they would be able to take my number, call XXXX with me on the phone and sort out the entire situation. They asked for my number and promised to call me back in no more than thirty minutes. I received no call and know that Paypal 's hotline closes at XXXX XXXX  EST. I called Paypal back at XXXX XXXX  EST. I explained my situation for a fourth time yet another Paypal agent and after repeating a bunch of information regarding the issue that wasn't relevant or that I said I already knew, I explained what the last agent said they would call me back to do and the mediation they promised to set up. I asked outright was I lied to by that agent, and the agent confirmed that I had been given incorrect information and that such a thing would never take place and it's not something they're authorized to do. This is the second time Paypal 's agents have lied to me in a way that's insulted my intelligence, wasted my time, and now are jeopardizing my job seemingly as a retaliatory punishment for making them do their jobs not allowing them unilateral authority to charge whichever of my payment sources to whichever merchant they please. Poor customer service is one thing. Outright lying is malicious and unconscionable.
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. 

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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : 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 or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy information that has been reported on my credit file. The bankruptcy reported is erroneous and can not be verified through reliable sources. I have diligently contacted XXXX, TransUnion, XXXX, XXXX, and XXXX to validate the bankruptcy they are reporting, and each has confirmed they received their information from the Bankruptcy Court. 

However, according to the XXXX XXXX  XXXX, XXXX XXXX XXXX California, they explicitly state they do not report information to any credit reporting agency, as they lack jurisdiction over such reporting activities. This discrepancy indicates that the bankruptcy on my credit report is not valid and violates the Fair Credit Reporting Act ( FCRA ).

I am enclosing a link to the U.S. Bankruptcy Court 's statement verifying they do not report or validate any information to credit reporting agencies, as instructed by their customer service, to support my dispute. Therefore, the information on my credit reports did not originate from the U.S. Bankruptcy Court and can not be validated through legitimate sources. 

XXXX XXXX XXXX
Product: Debt collection

I applied for a mortgage loan. After applying, I was told that I have a judgment from Bank of America from XXXX and the same account was reported fraudulent in XXXX. I have not Been served papers for this account. I don't even recall this account at the moment. We contacted Bank of America and the local court system to try to get paperwork but the Court system states that they have nothing on file for me regarding this account. I'm told that the balance is approximately {$4500.00}.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it disheartening that you keep claiming these 2 accounts to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete these accounts.It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at mt attachments as proof you can see that is not accurate and consistent. The accounts in question are XXXX XXXX  XXXX and XXXX XXXX  XXXX/XXXX XXXX XXXX. Here is the incoonsistencies with XXXX XXXX. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. Now for XXXX XXXX  XXXX/XXXX  XXXX  inconsistencies. LAST REPORTED is inconsistent amongst you and the other bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus an DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. AGAIN I have attached documents that clearly show that you have not properly verified anything. Please review
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

CBS Collections and I settled this debt back on XXXX2022 yet they continue to report the debt on my credit report. According to the settlement, they were supposed to dismiss the claims and remove them from my credit report. However, they continue to report this debt to both collections agencies.
Product: Credit card

I questioned the almost doubled interest rate. I am never late and pay over the amount requested the interest has been increased to over 16 %. I want it lowered to the original amount. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I found an item on the report that is inaccurate. which I Did not Authorize Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Experian, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something about it and remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/20 I applied for a VA refi loan from LoanDepot and charged me {$490.00} for appraisal fee. Its been over 3 months and nothing has happened.i withdrew my application on XX/XX/20 and asked for a refund. They told me there is no refund. My receipt clearly states that if I withdraw my application I will get Refunded for the difference between the appraisal deposit and the amount of the value of the appraisal services performed and now they are saying no refund. I have the receipt proving my claim.
Product: Credit reporting or other personal consumer reports

I recently settled a charge-off account with XXXX XXXX XXXX XXXXXXXX for a reduced payment amount agreed by both parties. According to the agreement, I paid {$130.00} on XX/XX/XXXX, to satisfy the total remaining balance of {$270.00}, under the condition that the account be marked as " Paid in Full./Settled '' Despite fulfilling my part of the agreement, my credit report from XXXX inaccurately reflects multiple late payments ( Times XX/XX/XXXX Days Late : XXXX ), whereas reports from TransUnion and XXXX correctly show no late payments ( Times XX/XX/XXXX Days Late : XXXX ). These discrepancies have negatively impacted my credit score and could hinder my financial opportunities. 


Actions Taken : I have contacted the credit bureaus requesting that they update my credit file to accurately reflect my payment status and remove any incorrect late payment notations. 
I have filed disputes with XXXX to correct the inaccuracies. However, the response was unsatisfactory, as the report still contains errors. 

Request for CFPB Assistance : I request the CFPBs assistance in investigating these discrepancies and compelling XXXX XXXXXXXX XXXX  XXXX and credit bureaus to correct my credit report to accurately reflect the status of " Paid in Full '' and remove incorrect late payment records. It is crucial that my credit report reflects accurate information as per the Fair Credit Reporting Act. 

Enclosed are copies of my settlement agreement, proof of payment, and communications with XXXX XXXX XXXX XXXXXXXX and XXXX regarding this matter. I am willing to provide further documentation as required. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution to these inaccuracies. 

Sincerely, XXXX XXXX
Product: Mortgage

My wife and I have a mortgage from Bank of America that we used to buy our primary home in XX/XX/XXXX. From the beginning we agreed that we did not want or need any XXXX account to pay for taxes and insurance because we wanted to pay the taxes and insurance by ourselves. We have been making regular payment of {$1200.00} since XXXX. From last month, Bank of America started charging XXXX {$1400.00} for our mortgage. When I requested the Bank customer service agent, he said they set up an XXXX account for our mortgage without our consent and they would not free us from this forced and imposed Escrow service until their committee frees us. I spoke with my insurance agent when they returned the money that I paid them for home insurance because they said that Bank of America paid them for the home insurance and they could not keep XXXX payments. I told the insurance agent to make sure that they send all proofs of insurance to the Bank and they confirmed that they did this in a timely manner since XXXX. 

Below is a description of the payment that was made on XX/XX/XXXX, before BOA increased the mortgage payment to {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card

JP Morgan Chase Credit Card record should have been deleted effective the end of XXXX, 2016 according to NYS law, statue of limitations, requires removal of record completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from getting a XXXX credit card today XX/XX/2020 because apparently there are accounts and inquiries reflecting negatively on my credit report. I had no idea that these accounts and inquiries were on my report before today because none of them belong to me. The accounts are from XXXX XXXX & XXXX XXXX XXXX and the inquiries are from several different companies. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts.