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

I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$460.00} XXXX  # XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$230.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please review the attached docs. 

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card

I signed up for the Home Depot credit card when I was checking out in the store. For a discount on a {$50.00} of merchandise purchase. I was approved. I never received any mail/bills/statements or the actual card I signed up for. It's 3 months later and they are calling me telling me that owe them {$160.00}. So I called to speak with them and explain I never received any statements. I found out they are charging a $ XXXX/month late fee. So they are trying to charge me over {$100.00} in fees for a {$50.00} purchase. I explained to them that I never received any statements. I offered to pay off the principal balance on the card, for the merchandise I actually purchased ( nevermind that they didn't give me the {$40.00} in store credit discount that they promised me, when I signed up for the card ... bait and switch ), but I refused to pay these exorbitant and usurious late fees ( the fees are more than the actual purchase amount ) because I never got a statement from them. Further the fees are excessive. I thought the CFPB banned excessive late fees? See the attached article https : XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a Bank of America credit card online but was denied. A few days later I received a letter in the mail from Bank of America asking for proof of employment and a SSN verification form XXXX to process my credit card application. I immediately mailed the information back. On XX/XX/2022 I called to see if my information was received. It had been awhile and I hadnt heard anything back in regard to my credit card application status. The female representative that I spoke with said that nothing showed in the system saying they had received any information from me, not even from the place which receives the incoming mail. She says it normally takes 48 to 72 hrs to process once the paperwork is received. She tells me to call back in a couple of days. Less than 24 hrs later, XX/XX/2022 there is another ( unauthorized ) hard pull of my credit by Bank of America. I immediately call Bank of America and I explained my displeasure with the unauthorized pull and she says that she would submit my complaint and someone would call me back in two days ( its been almost two weeks now. ) No return call, also stating the inquiry would be deleted without two months. On XX/XX/2022 I called Bank of America to inquire about the complaint to see why I never received a call back and was told by the representative that he was given a hard no! When he asked about deleting the second hard inquiry. 
I was lied too by the first representative whom told me that my information wasnt received. My information was deliberately withheld so they could do another hard pull of my credit! Exactly 31 days. I asked the representative on XX/XX/XXXX where does is state in writing that after 31 days it is legal to run my credit again and he couldnt tell me. My score dropped XXXX points from second inquiry. If I had to authorize the first pull I should have to authorize the second! What if I had changed my mind and no longer wanted the credit card. If I had known my credit would be pulled again I would not have accepted the card.
Product: Money transfer, virtual currency, or money service

I have been with coinbase.com for about 4 years now. Every time I login, I receive a code that is sent to my phone.. after I input that code, I then receive an email to authorize the login.

3 weeks ago I woke up and saw 3 codes being sent to my phone 6 hours ago. I was quick to login to my coinbase and saw multiple transactions being sent out to different addresses in increments of XXXX  .

They had also purchased more cryptocurrencies with my visa debit card ... depleting my checking account They took everything I checked my email and there was no authorization email sent by coinbase. Also no new ip address logins to my email. Security fault on coinbases end I'm assuming. I opened a dispute with coinbase and I got an automated response saying please allow 4-5 business days. It's been about 15 business days now. 3 weeks in total days with no response from coinbase.com
Product: Credit card or prepaid card

CITI has violated several provisions of REG Z and the Fair Credit Billing Practices Act by closing my account despite the following : 1. ) Several Billing Disputes Remain Open which prevent card issuers from closing an account while investigating.

2. ) I was the victim of Identity Theft and notified CITI.

3. ) Due to the Identity Theft the bank I was to debit my credit card payment to CITI was closed for security, preventing my payment is processed. This was a secure closure to protect my information and funds. Which CITI was aware of.

4. ) CITI took adverse action based on information resulting from documented and reported identity theft.

5. ) CITI employed deceptive practices as upon initially learning my account had been closed, CITI employees stated they were unsure why. But claimed my account would be re-opened as soon as I made the payment which was returned. I can provide the call logs, or transcripts should CITI require them.

6. ) CITI refused to re-open my account as previously stated.

7. ) CITI further violated DTPA by initially sending me a letter stating my account was closed as I had requested. Which I did not.

8. ) CITI employees were unsure why the account was actually closed.

9. ) CITI sent a letter stating my account was closed due to a single missed or returned payment. This is not typical behavior CITI demonstrates with the majority of their cardholders. Especially as I had never missed a payment before and paid my balance in full every month.

10. ) The letter sent by CITI states my account was closed as a result of the Identity Theft, which required my account to be closed for security reasons prior to the payment clearing. Which adverse action is based on Identity Theft.

11. ) CITI 's response to my request for my account to be re-opened was met with a response stating they were unable to reopen my account and unable to explain why. Which is illegal as I requested a detailed explanation.

12. ) CITI has begun closing out my billing disputes without investigating them or following their legal obligations per the member agreement, FCBPA, and VISA billing dispute guide. 

I have offered to send CITI my FTC affidavit, as well as the police report, and any other evidence needed proving the identity theft, which they have not wanted.
Product: Bank account or service

During Key Bank 's takeover of First Niagara Bank, XXXX payments were made to my XXXX Sapphire credit card, each in the amount of {$12000.00}. 

This error occurred due to faulty information I was given by a representative of Key Bank at my local branch office on XXXX/XXXX/16, and exacerbated by their online banking site after the transition on XXXX/XXXX/16. I called the Bank and XXXX credit card company as soon as I noticed the error on XXXX/XXXX/16. I have subsequently made many call and have spent several hours on the phone trying to get my money back. At on point, XXXX agreed to return my extra payment electronically within 3-5 business days. This did not happen. Key Bank said they could refund my account, then work with XXXX to return the funds to them, but this has not happened either. I finally called my US Congressman 's office to enlist their help in getting my money returned, but even he has not gotten a satisfactory answer as to when my problem with be resolved. 

As this was a very significant error, my checking account had over an {$11000.00} deficit for two weeks. I had mortgage payments that became due and were not paid as scheduled. I had to move {$10000.00} dollars from my savings to my checking so that I would not have issues with my mortgages and monthly bills. As such, I am losing the small amount of interest on my savings. If this goes on much longer, I will have to dip into more of my savings which could bring my accounts below the level needed to have monthly bank fees waived. Although this is minor compared to still being out {$12000.00}, they are penalties I should not have to incur. I am very grateful to have the funds to transfer, but this situation is causing anxious days and sleepless nights for my husband and I. As XXXX we hope for a less stressful retirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. There are accounts on my credit report that I did not authorize nor do I recognize. They are listed below - XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XX/XX/2019 - XXXX  - XXXX  XXXX XXXX XXXX - XXXX XXXX
Product: Money transfers

PayPal holds funds for items sold using their services. PayPal is not the seller, but they receive the benefit of the funds in their possession for items sold long after the items are delivered to the buyer when they should be in the hands of the seller. They refuse to relinquish the funds claiming you need to prove that you are a good seller to be removed from the program which assumes guilt or criminal intent. I was told I would be removed from the program after a phone call, but now they refuse and can not find record of such a promise.
Product: Credit reporting or other personal consumer reports

On all three credit bureaus there are multiple hard inquiries with the same companys multiple requests within the same Month. These companies have been Ordering additional credit reports when the information was still valid in the prospective time frame for them not to order an additional report. This has caused a tremendous issue in my lowering my credit score. All my account are in good standing. However, due to these hard inquiries it has caused a negative impact on XXXX XXXX XXXX XXXX XXXX.

All excessive inquiries should be removed immediately and updated accordingly to reflect a positive status.
Product: Debt collection

They are calling asking me if I know person A. I told them I dated her for three months back in XX/XX/2017 and haven't seen her since. I asked them to not contact me again regarding the matter as I can be no help to them and at this point they are wasting their time and mine. The next day I received a call from the same company asking the same questions. I had the phone on speaker and my current girlfriend was speaking in the background. The caller asked if that was person A and I said no. She then said it was suspicious and concerned her. This amateur detective game she is playing is honestly offensive as she essentially accused me of lying and is a pathetic tactic to try to get someone to work with you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported to all three bureaus XXXX XXXX and equfax hard inquiry Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and
Product: Debt collection

In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX regarding my previous auto insurance policy with XXXX ( XXXX. XXXX ). I called them immediately once I received the letter to dispute the claim. They informed me to submit my proof electronically and I did. Since XX/XX/XXXX I have followed up on multiple occasions for an update. First in XX/XX/XXXX they  apologized that the proof i submitted was never sent to XXXX and that they would send it over. I followed up twice in XXXX on XX/XX/XXXX and they asked for me to follow up after the holidays. I called today, XX/XX/XXXX and they said no update has been made on the dispute. This has impacted my credit score and it needs to be removed. I can not even apply for a home loan until this is taken care of. The representative i spoke with today, XX/XX/XXXX, told me it is not her job to follow up with XXXX regarding the claim that I need to do so. This has been going on for almost 5 months now, this collection needs to be removed from my credit report as I have done my part in disputing the claim within the 30 days of the letter and submitting proof.
Product: Debt collection

On XX/XX/XXXX I reached out to Experian about multiple fraudulent accounts and inquiries on my credit files. 

I was given a date of XX/XX/XXXX, to have these investigations finalized. on XX/XX/XXXX, I was emailed and updated by Experian about the Accounts and inquiries. All accounts and all inquiries were deleted as of XX/XX/XXXX. Refer to report number XXXX. 

Included was an account by the name of XXXX. account number XXXX, which was also deleted. See attached photos of before and after of my credit report. 

On XX/XX/XXXX I was notified that I opened a new dispute. This was false, and it was initiated by Experian. The deleted account was put back on my credit report. I have been on the phone for XXXX hours to speak to someone. The wait time said XXXX minutes. While I'm still on wait the updated dispute results have been provided. 

After receiving an update on XXXX XXXX XXXX, that it was deleted, and now over 30 days later ( which would've been XX/XX/XXXX ) they reopen the investigation which is highly illegal. 

They have XXXX days to investigate the matter. The investigated, closed and deleted the matter on XX/XX/XXXX. Now XXXX  days later they re-open the dispute on their own? My personal information is being used fraudulently. please refer to report number and before and after photos on the credit reports. Experian is not following the law.
Product: Credit card

I applied for a credit card with CitiBank [ see XXXX ] I did not receive a card. I did n't worry about it, I do n't really need it, I just wanted the XXXX " bonus miles '' they lured me in with. 
Now, I am applying for a Loan, but XXXX XXXX XXXX wo n't give me a loan as there is a HARD INQUIRY on my credit, from " CBNA '' ( which is Citibank ) on XXXX/XXXX/16. I have called Citibank 4 times already and spoken to XXXX people, but they have no evidence of my application ( neither do I, I mailed the form to them ) and they say they can not remove this Hard Inquiry from my credit. This means I can not get a loan. I 've been working on this for 4 weeks now, and getting nowhere with anyone, including XXXX. 
Please help!
Product: Payday loan, title loan, or personal loan

I used PayPal Credit ( synchrony bank ) to purchase a few items. Some were purchased under a special financing zero interest if paid in 6 months plan, and a larger one was was a 24 month plan with 12 % interest added up front. 

I recently made three payments equaling {$900.00} and found out they had applied them all to the 24 month plan until it was paid off and the small overage to the special financing balance. There is no where during the payment process to select which loans it is being applied to, the consumer has no say. 

I called today to get the payments properly allocated and was told because they had already applied the payments to and paid off the 24 month loan ( without my permission ) they can not undo that, so now Im left to come up with enough money to pay off the special purchasing totals before the promotion expires or Ill be charged a much higher interest rate. 

This company is deceptive in their practices and Ive found many more complaints online of people having the same problem.
Product: Credit reporting or other personal consumer reports

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Product: Checking or savings account

Existing account Fraud. On XXXX/XXXX/17 someone fraudulently accessed our Navy Federal Credit Union ( NFCU ) savings account online under my wife 's name utilizing her our account number, her date of birth and social security number and transferred to another NFCU member in the amount of {$3700.00}. The name of the member money was transferred to is XXXX XXXX XXXX. This person was able to establish account access even under an obvious fraudulent email address of XXXX. We do not know this person or have an affiliation with this person. We reported the incident within 2 hours after the transfer occurred as it was brought to our attention that NFCU had froze our account. We went to the nearest NFCU branch at XXXX XXXX, MD and reported the fraud to them and our complaint was submitted to NFCU Fraud Department under Fraud # XXXX. Since then we have closed our savings and checking accounts and have established new accounts. In addition we received new credit and debit cards. When calling to check on the status of this investigation with NFCU we get the same answer over and over, that is it is pending and will take 10 business days. Well it has been 10 business days and we have not received any updates to this investigation and have not received any of the {$3700.00} dollars that was fraudulently taken from our account. I 've asked to speak with NFCU security and the investigator assigned for updates only to be told that they are not available and that the status is pending. Having been a member with NFCU for over 20 years this kind of treatment and refusal to give me more information regarding this is beyond comprehension and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).