23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

COINBASE. I have been using this app to trade with virtual currency and after using it for several months this message appeared suddenly : " YOUR ACCOUNT IS CURRENTLY BEING REVIEWED AND WE NEED SOME TIME TO VERIFY YOUR INFO. DURING THIS REVIEW, YOU WON'T BE ABLE TO USE COINBASE. REVIEWS GENERALLY TAKE A FEW DAYS, SO SIGN IN EVERY DAY OR TWO TO CHECK YOUR STATUS '' It has been over three months ( not just a few days ) that i havent been able to use my account therefore I can not get my money back because my account is always being reviewed. This company, COINBASE, is reviwing my account after it had already been verified and properly working, so now I do not have access to my money. Do please help me to get my money back because they are my savings. If I can not use the app I should be able to get back my money so please I would very much appreciate your help. It is not the first time they block my account.
Product: Credit card or prepaid card

I submitted a dispute request in XX/XX/XXXX with capital one. Since then Ive submitted several documents talk to numerous agents all telling me something different. I ended up paying {$1100.00} for a charge I didnt agree to or accept and its almoat XX/XX/XXXX, capital one never resolved my dispute or refunded my money. My complaint number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

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
Product: Debt collection

Credit report act section 1681b ( c ) please validate this information and provide copies any or of all account with my signature authorization of an inquiry with my signature inquiries need to be deleted Title 15 USC 1692 ( a ) 3, title 15 chapter 41, title 15 USC 1681s-2 all inquiries hard/soft need to be removed 15 USC 1681s-2 ( b ) everyday they are not removed XXXX per violation, XXXX identity theft fine
Product: Vehicle loan or lease

As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan is currently being paid on and is current. Santander Consumer USA is maintaining a charge off even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any 10Q filing with the Securities & Exchange Commission. I am a member of the   XXXX   XXXX   that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.
SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!
I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!
SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!
I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!
THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This serves as written notice that I have rights under 15 USC 1681.

15 USC 1681 section 604A section 2 states A consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

My consumer rights have been violated Numerous times and dismissed despite prior written request to update records. 

On XX/XX/2022 certified letters were sent to XXXX, XXXX and Transunion to update my personal information which was not done. Also on the same date I requested the following accounts be removed
Product: Debt collection

Letter dated XX/XX/2020 from Professional Choice Recovery , Inc says, in part, " You have not responded to our previous request for payment in full. It appears you are failing to cooperate '' Towards the middle of the letter states " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose '' There is no language, wording, or indication that I can dispute the validity of the debt anywhere in this letter. The failing to cooperate sounds as if I have a legal obligation to cooperate with this debt collection agency which is shady since they are failing to cooperate with the laws around debt collecting.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX, XXXX XXXX XXXX XXXX XXXXXXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : XXXX ( Account # XXXX ) : 1. Inconsistent High Credit Reporting : The " High Credit '' is reported as {$6100.00} ( XXXX, TransUnion ) but {$5300.00} ( XXXX ). 
2. Conflicting Comments : Remarks such as " Credit Card Amount in XXXX XXXX is Credit Limit '' do not align with reported data.

3. Late Payment Reporting Ambiguity : " Was 30 Days Late 1 Time '' is unsupported by a detailed payment cycle. 
XXXX ( Account # XXXX ) : 1. High Credit Reporting Errors : " High Credit '' is reported as {$11000.00} ( XXXX ) but {$0.00} ( XXXX ). 
2. Date of Last Payment Conflict : The " Date of Last Payment '' differs across bureaus. 
3. Late Payment Mismatch : " Was 30 Days Late 1 Time, Was 60 Days Late 1 Time '' conflicts with " Current '' status. 
XXXX XXXX XXXX ( Account # XXXX ) : 1. Inconsistent High Credit : " High Credit '' is {$4600.00} ( XXXX, TransUnion ) but {$4600.00} ( XXXX ). 
2. Late Payment History Conflict : " Was 30 Days Late 1 Time '' is inconsistent with " Current '' payment status. 
XXXX. Conflicting Comments : Remarks such as " Charge Account in H/C Column is Credit Limit '' lack clarity and alignment with reported data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Few days back I contacted a lady and she looked up ALL my info and said all Equifax was closed and that MOST complaint # were ADDRESS related! I DID NOT do that.. MAIN complaint is that EQUIFAX and XXXX lady with THREE letters TOLD me that good news! EQUIFAX IS LEAVING MY ACCOUNT OPEN with XXXX XXXX and CREDIT SCORE WILL GO UP FEW DAYS!, Next day got email XXXX XXXX asking if I CLOSED XXXX XXXXXXXX card and I responded back I DID NOT! STILL XXXX XXXX CLOSED THROUGH EQUIFAX and I DID NOT due it. I have PROOF on recorded line Few days back with DETAIL info AS well as TALKING supervisor!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters starting  XXXX   XXXX ,  2017  asking company to please verify that this account belongs to me. I asked them to send me verification in the form of my signature on any forms that I was told that made this account mine.     I received a letter back were company called my request frivolous and refused to cooperate.
Product: Mortgage

On XX/XX/XXXX I filed a complaint about m & t Bank not paying my insurance and my policy being canceled on XX/XX/XXXX. On XX/XX/XXXX m & t Bank responded saying if the ins did not pay they would take responsibility. I have called XXXX twice and she will not return my calls. I stopped making payments and now the loan is in default and they still refuse to take responsibility for the house which burnt down on XX/XX/XXXX. I will not make another payment on this house until they take responsibility for not paying my home owner 's ins on time. My previous claim # is XXXX. This still has not been resolved and I have not been contacted and it has been almost 2 mos. The house was broken into XXXX, after I went and had it secured. I will no longer take responsibility for this. I DID NOTHING WRONG. If this is not addressed within the next 10 days I will reach out to the state attorney General and I will file a complaint against both M & T bank and this consumer finance for not assisting in this matter.
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 right consumer rights to privacy and confidentiality under XXXX XXXX. XXXX XXXX XXXX and Ollo/Ally have XXXX inaccurate accounts that are both reported twice on the credit report creating significant damage. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Early XXXX 2017 I applied for a Capital Ome Credit Card. I was sent a letter stating I needed to upload my SS Card, Physical Address. ( I applied with my XXXX XXXX # ) XXXX XXXX, 2017 : Letter from Capital One dated XXXX XXXX, 2017. XXXX XXXX, 2017 : Uploaded SS Card, ID, piece of mail.
XXXX XXXX, 2017 : Spoke with XXXX Corp Office. She ask me to resend my Documents..
XXXX XXXX, 2017 : Fax Capital One my Documents again including my light bill ( Physical Address ) XXXX XXXX, 2017 : Spoke with XXXX Documents not Accepted I needed to re fax Documents. ( Customer Service ) XXXX XXXX, 2017 : Spoke with XXXX  Corp Office. Confirmed I needed to re fax my Documents. XXXX  stated he is n't understanding what 's going on. I have uploaded, Fax everything Capital One asked me for.
XXXX XXXX, 2017 : Called Corp back left message for Dominque to give me a call.
XXXX XXXX : Finally Credit Card Application Approved.
XXXX XXXX, 2017 : Finally get a email Capital One will be semding my Credit Card.
XXXX XXXX, 2017 : Finally the Card has arrived. However the Credit Card is restricted.
XXXX XXXX,2017 : Called Capital One why is the card restricted? Capital One stated it was fraud a glitch in their System.
XXXX XXXX, 2017 : Emailed the CEO of Capital One.
XXXX XXXX, 2017 : Filed a Better Bureau Business Complaint.
XXXX XXXX, 2017 : Completed another Capital One Credit Card Application.
XXXX XXXX,2017 : Spoke with Fraud Supervisor XXXX, XXXX. No Fraud was done on my behalf. I sent in my correct, accurate infomation.
XXXX XXXX, 2017 : Spoke with 1 ) XXXX ( Account Supervisor ) 2 ) XXXX ( Customer Service ) 3 ) XXXX ( New Account Supervisor ) 4 ) XXXX ( Corp Office ) 5 ) XXXX ( Fraud Prevention ) What Fraud?
6 ) XXXX ( Fraud Prevention ) 7 ) XXXX ( Account Specialist ) Seven different people in one day. XXXX XXXX, 2017 : XXXX ( Customer Service ) Stated notes are in my account.
XXXX XXXX, 2017 : Called Capital One back asking for another look into my Credit Card Appliation. I 'm NOT understanding any of this. All these workers I have spoke to at Capital One. Faxing, uploading my information/Documents. Only to receive a Capital One Card I ca n't use. XXXX XXXX, 2017 : Called Capital One back the other Department is looking into my Application Dated XXXX XXXX, 2017. Even though they might have to run my Credit again. Why? Capital One already ran my Credit. It 's NOT my fault it was a glitch in Capital One System. When Capital One ran my Credit point was lost. Capital One sent a card giving me a line of Credit only to close the Account. Again taking a lost of XXXX points off my Credit Score. Now Capital One is stating they have to run my Credit again? Even though Capital One just ran my Credit XXXX 2017.
XXXX XXXX, 2017 : Called Capital One back speaking to yet another Fraud Supervisor. ( Forgot her name ) She was very nice, apologize on Capital One before. Asked another Department to put " System Error " NOT Fraud on my notes. Another Department the Back Department suppose to take another look into my Capital One Credit Card Application dated XXXX XXXX, 2017.
Product: Vehicle loan or lease

I've seen no changes for the accounts that I have filed last month, I still see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXXXXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to Privacy.

15 US V 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX 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 XXXXXXXX XXXX Balance : {$73.00} XXXX  XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my credit information and because of their breach I am now listed as a potential victim according to their equifaxsecurity2017.com website.
To save money, the company has not properly placed the security measures necessary to handle the sensitive credit information they hold, and their actions have harmed 137 million people. Their executives were reportedly aware of the breach and chose not to report it to the public, and instead elected to sell a significant amount of their shares outside of 10b5-1 scheduled trading plans just days after the breach. They need to be investigated for insider trading and face prison time.
I am being offered to enroll in their complimentary identity theft protection for one year, however the magnitude of this incident may affect me for many years to come, if not forever. I would like a resolution on this matter.
Product: Mortgage

I am trying to close on my loan and the company is refusing to give me a payoff. I spoke with XXXX at Mr Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. They have indicated they have too many loans to be able to help me with my loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service, an unfair practices was violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take time timely, and effective measures to prevent an 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for this violation.
Product: Credit reporting or other personal consumer reports

This is my 5th time disputing inaccuracies in my credit report and hope this time something is done about it. See letters attached
Product: Credit reporting or other personal consumer reports

Inaccurate information was not authorized. therefore is fraudulent
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$210.00}
Product: Mortgage

My financial advisor referred me to their XXXX XXXX department when I told them thay I was going to buy a house. I was approved for a loan and I started looking for houses in my price range. When I found the house that I wanted I locked in my rate and started the application process. Throughout the process they exhibited poor communication and started asking for documents a couple of days before closing. Two days before closing they contacted me to finalize numbers, including my monthly payment which was quoted to be {$1500.00}. When I got to the closing table I discovered that monthly payment would actually be {$1700.00}. When they informed me of this payment I felt like my back was against the wall because I was afraid being sued by the seller and I felt I had no choice but to sign. Since my closing two weeks ago I have been under duress on how I am going to make my monthly payment. On my Truth In Lending Disclosure they quoted my taxes and insurance to be {$290.00} a month. As a normal consumer this number did n't seem out of the ordinary to me. In doing my research I have been made aware that several professionals from Morgan Stanley Home Loans neglected to change the property tax number to the correct amount even after they were told by the title company on XXXX occasions that their estimated property taxes needed to be adjusted. Morgan Stanley Home Loans were negligent on several occasions. I am now stuck with a mortgage payment I ca n't afford.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to complete its investigation of a disputed account within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ). I disputed an account from XXXX XXXX XXXX on my credit report, and Equifax has exceeded the 30-day period allowed by law to investigate and verify the accuracy of the reported information.

Under the FCRA, Equifax is required to complete its reinvestigation within 30 days ( or 45 days if I provided additional information after the initial dispute ). However, my dispute has remained unresolved beyond this timeframe, which constitutes a violation of my consumer rights. This delay has caused ongoing harm to my credit profile, as the unverified negative account continues to impact my creditworthiness. 

I request that the Consumer Financial Protection Bureau investigate Equifaxs failure to comply with federal law and take appropriate action to ensure my dispute is resolved promptly. Additionally, I demand the immediate removal of the XXXX XXXX XXXX account from my credit report, as Equifax has failed to verify its accuracy within the required timeframe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been exposing my personal medical information. 
Medical information is supposed to be private, and I didnt give permission for this debt to be shared. By putting it on my credit report, they exposing sensitive information without my consent. This feels like a clear violation of my rights. 
On top of that, the debt has been damaging my credit score, which is making it harder for me to get loans or other opportunities I need. I recently learned that new laws are being put in place to stop companies from reporting certain medical debts, especially when theyre disputed or shared improperly. I think what this company is doing goes against those laws. 

Im asking the CFPB to look into this situation and make sure XXXX XXXX XXXX and the XXXX credit bureaus are following the rules. I also want this debt taken off my credit report as soon as possible.
Product: Credit reporting

I vist www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to put it timed out with out giving it to me!!!
Product: Money transfers

On XXXX XXXX, 2016 I initiated a money transfer from my XXXX XXXX XXXX checking account through Western Union 's instructions using Bill Pay in the amount of {$200.00} ( {$190.00} to my receiver and {$5.00} Transaction Fee ). On XXXX XXXX, 2016 I called Western Union and was stated that the transfer was cleared for the receiver ( my cousin ) in XXXX, XXXX. I was told on XXXX XXXX through email from my cousin that Western Union has put a hold on the transaction due to my cousin 's name being similar to a sanctions list used by Western Union. I have complying with Western Union 's request on information regarding the receiver, however, Western Union has locked up the transaction and is unwilling to cancel the transaction. I have spent endless hours on the phone trying to resolve this issue, however, I keep getting channeled to different call centers and departments that span the XXXX, XXXX XXXX, and XXXX. I have requested many times to be transferred to a US based call center or receive a call from a Western Union representative but have yet to receive any call and/or phone number. I am quite frustrated and need assistance to resolve.