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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon a routine check of my credit report I found this account with NCA, for a XXXX XXXX payday Loan. Not only do I think this is not my debt, it should also not be on my credit report. Neither XXXX XXXX nor NCA put this on my credit bureau when it was allegedly opened, but never followed the normal collection cycle. Had I seen this earlier it would have been disputed earlier. They put this on my credit for one reason only, to force me to pay a disputed debt. This is " weaponization '' at its worst! No company should be able to put an account on a XXXX without following the entire cycle of originations thru charge off!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 states : I have a right to privacy.

15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 USC 1666 B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT CARD PLAN AS LATE FOR ANY PURPOSE.
Product: Mortgage

Since XX/XX/ i put a compliant with THE MONEY SOURCE INC . I requested a escrow refund via electronic/ACH refund compliant number XXXX and NEVER received a phone call directly from THE MONEY SOURCE INC,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer reports and I noticed that the following inquiries are unauthorized : XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) I have called several times in attempt to request unauthorized inquiries be removed as well as sent several letters requesting only to receive correspondence showing inquiries still on my reports. Last letter was sent around XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On or around XXXX XXXXh, 2017, I attempted to transfer approximately XXXX BTC from Coinbase's "Vault" to the "Wallet" feature inside of my personal Coinbase BTC account. However, when attempting to do so, I get the error message, "Withdrawal Already In Progress On Vault". [Case number: #XXXX]

Normally, the account should send two emails to two separate email accounts listed in my Coinbase account. Then I'm required to confirm the transaction via these emails. I have not received any emails regarding this transaction. 

Ironically, when I made the same attempt to transfer ETH from my ETH Vault to the ETH Wallet, the system worked as expected. I was able to withdraw my funds without any issues. 

I've emailed and called Coinbase's customer support. I have waited patiently for a solution to allow me access to my funds. I've only been told that tech support will " ...get to it when they can". It's been over two weeks and I still haven't heard anything back from them. I believe enough time has passed for this issue to be resolved. 

Unfortunately, a brief XXXX search will show that I am not the only customer to experience this.

What I want them to do is to put ALL of my funds into my BTC >Wallet< so that I can successfully transfer it OUT of my Coinbase account.
Product: Credit reporting, credit repair services, 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 use 1681. 

XXXX XXXX XXXX XXXX  # XXXX us dept. of EDXXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 reasonab
le cause to believe that the information is inaccurate.
Product: Debt collection

I am filing a complaint against Synchrony Bank due to improper debt handling, inaccurate credit reporting, and potential violations under the Fair Credit Reporting Act ( FCRA ).

This account was sold or reassigned, and I was never properly notified or given documentation of the transfer. However, the original creditor continues to report a charge-off and delinquency, even though they may no longer own the debt.

Additionally, I have disputed this account with the credit bureaus, and Synchrony Bank has failed to provide proper validation that they still have legal rights to collect or report this debt.

Under the FCRA, Synchrony Bank is responsible for ensuring that my credit report reflects only accurate and legally verified information. Since this account was sold or reassigned, they must either provide full documentation proving ownership or remove the charge-off immediately. 
I request that the CFPB investigate the following : 1 Whether Synchrony Bank can legally verify that they still own this debt.

2 Whether they followed proper procedures when selling or transferring this account.

3 Whether this account should be removed from my credit report if it can not be properly verified.

This is a violation of my consumer rights, and I request immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the pandemic, Ally gave me 3 months with no payment, or late charges.it is showing a 26 point drop on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed accounts had violated my federally protected rights of privacy under XXXX XXXX XXXX XXXX XXXX XXXX OF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions. 


15 USC 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 crime, which add a date to the report by more than seven years. 


15 USC 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 calls to believe that the information is in accurate.
Product: Credit card

I had a previous balance of {$300.00} on a XXXX XXXX credit card due by XX/XX/year>. I made the payment {$300.00} on XX/XX/year>. At that point my statement balance was paid off completely. I made other purchases and received my new bill on XX/XX/year>. On my new bill I was charged 23.24 % interest on {$570.00}. I am receiving an interest charge on a billing I have not had the chance to pay. I am also being charged interest on the {$300.00} that I already paid off. 

I believe that other banks and credit cards have tried to do this and lawsuits were filed. 
Namely XXXX and XXXX XXXX. I should not be charged interest on a bill I have not had the chance to pay. The due date for this current billing is XX/XX/year>. I didn't even see the bill until XX/XX/year>. This is the same thing as charging interest on a future billing. If this is the normal practice for Comenity bank, I think a lot of people have been taken advantage of. Most likely people who can't afford it. I think Comenity is due for an audit. Maybe a class action lawsuit should be filed. I understand that {$13.00} is not exactly a fortune but at a time when every XXXX counts and so many XXXX  citizens are being taken advantage of, this should not be overlooked. I reported this error to the credit card company at between XXXX and XXXX on XX/XX/year>. I know that the people responding to me don't have control and only say what they are told, but I told him to send my recording to his superiors and make sure that they know this is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

n Accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 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: Debt collection

They have been calling my cell phone and work number constantly, I've asked them to stop and blocked their numbers but they keep calling from different numbers, even at work. They have been calling and speaking with coworkers and constantly calling my work number which I'm not even at. 

The name I was given was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- Specialized Loan Servicing ( SLS ) has made the mistake to put my account under forbearance in XXXX 2020, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted Specialized Loan Servicing more than 20 times since XX/XX/XXXX by phone to ask SLS to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to XXXX, XXXX, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need SLS 's help immediately to get this fixed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I filed a dispute of inaccurate information into four different reports on my credit, accounts names and amounts were : XXXX XXXX {$750.00} XXXX XXXX {$610.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$4800.00} I provided letters from each company and account pay statements showing that each item was paid off and should be closed and reported as such. My original close out date of my dispute was set for XX/XX/XXXX. Transunion extended the date first to XX/XX/XXXX, saying they did not receive a response from the creditor. I called in again on XX/XX/XXXX to check the status to find that Transunion has again extended the date of the close of the dispute to XX/XX/XXXX, without notifying me, due to the creditor not being responsive. 

I asked the agent I spoke with how this is fair or consistent with the requirements of credit reporting bureaus and whether this would in fact close or again be extended. I was given no answer and told that " this is a part of the process '' and that there was nothing they could do. 

I explained to the representative that this is credit abuse and fraud at this point, due to the accounts being in a paid status in excess of 30 days. This complaint against XXXX XXXX. demonstrates that they are abusing consumers and neglecting their responsibilities in fairly and accurately reporting correct information in a timely and just manner,
Product: Credit card or prepaid card

To whom it may concern, I refinanced my house. In the closing instructions. My Citi bank card was to be paid of. XXXX XXXX XXXX XXXX XXXX issued a check in the amount of {$3000.00} on XX/XX/21. Citi bank cashed the check on XX/XX/21. 

After numerous phone calls. Citi bank is failing to take action. They are not interested in seeing the check or the information located on the check that will help to locate it. 

The credit card balance remains. Im continuing to have to make monthly payments and am being charged interest. Im seeking assistance and resolution. This check thats in their possession needs to be applied to the balance. And I need to be reimbursed for the interest they have charged since they have been in possession of the check. 

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

In accordance with the fair credit reporting act this creditor has violated my rights! 
Under act 15 U.S.C. 1681 section 602 says " I have the right to privacy. '' 15 U.S.C. 1681 section 604 A section 2 it also states " A consumer reporting angency can not refurnish an account without my written instructions under 15 U.S.C. 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXX  - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

I've recently gone through a divorce and as we were settling things financially, our mortgage payment went by the wayside. Prior to the divorce settling in XXXX of this year, we decided to put our house on the market and finally got an offer and the house was set to close in XXXX ( 2023 ). I didn't pay XXXX, XXXX, and XXXX at first ( while the house was in closing ), but then went back to pay XXXX and XXXX so I wouldn't be more than XXXX months behind. My last payment to LoanCare was on XX/XX/2023. 

I closed on the house on XX/XX/2023- in which a check for nearly {$200000.00} went to LoanCare to pay off the entirety of the loan. LoanCare gave the title company a payoff quote and spoke to someone. 

This week ( week of XX/XX/XXXX ) - I get a notification from XXXX that my credit dropped XXXX points because I'm behind on my mortgage. I'm trying to figure out HOW THIS IS POSSIBLE when the house sold, and I was given a check for the proceeds for my end. 

LoanCare is still showing that I owe money ( right now they show that I'm past due {$5300.00} with a payment to be paid on XX/XX/2023 ), and has negatively reported me to the credit bureaus. I called to talk to them and they said they never got the check, and the next step is foreclosure for the person who JUST bought the house and is living in it now.
Product: Checking or savings account

On XX/XX/XXXX I was alerted by chase bank by text of a fraudulent transaction. I called them immediately told them it was not me. They requested I send a letter and file a police report. I did both. I have XXXX {$100.00} transactions and a {$400.00} transaction fraudulently unauthorized taken from my account. I am requesting that it be returned under the electronic funds transfer act
Product: Payday loan, title loan, or personal loan

This company has confusing and misleading advertising. 

On their website, it clearly says that checking eligibility will not affect credit score and not leave a hard inquiry. 

I applied a total of 4 times and it would say I am approved for a line of credit, then I wasnt, then I was approved and once more I wasnt. 


I never received any money or a line of credit from this company. They still left a hard inquiry and it removed XXXX points off my credit score. 

This is false advertising