23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX date XX/XX/XXXX and XXXX XX/XX/XXXX first XXXX plus $ and second was XXXX plus $ ive reached to you all before back when this first occured but i since havent gotten my money back ive closed the accounts 3 or 4 times and they keep reopening it so im going at it again to get my money back Im having issues with chime bank theyre legally withholding funds from me they overcharged me for their chime credit builder account back in XXXX Ive called countless times when I called them they send me through loops and circles when I ask for a supervisor they place me on hold for 30-45 mins every time then they come back and they either make their voices deeper pertaining to be someone else or just transfer me they wrote the payments off as adjustments then sent out an email about their systems having issues about it and when I went on there XXXX and XXXX commented about it I noticed tons of comments of others having the same issue and nothing is being done ive saved all my chats and emails from them and Im just wanting my money back theyve taking over XXXX dollars from me I need truly need some help getting these funds returned to me. Can you please assist? My account is under XXXX XXXX I can provide all documents and anything else needed. ( Ive uploaded the documents on my last case
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to your company via mail regarding an account that I have with your company. I am only submitting this through CFPB as another form of communication because I have not heard back regarding the late payments on my account. I have been a loyal client since XXXX and I really appreciate our business relationship. Please see the attached letter that was mailed on XX/XX/XXXX. I really hope to hear a favorable decision from Arvest Mortgage. The account in question is ARVEST MORTGAGE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XXXX/XXXX/2017, XXXX/XXXX/2017, and XXXX/XXXX/2017, I mailed Experian by CERTIFIED mail in regards to some reporting issues that I have with them. The account names are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It 's been an ongoing and frustrating process trying get them to properly investigate the issues that I have with the they and creditors. They 've also failed to provide me with factual and accurate information regarding the conclusion of their investigation, validating and verifying the accounts and inaccurate information that they continue to report. I made it perfectly clear to them in my letters that I wanted these issues thoroughly investigated and that I wanted to be updated in full detail of the summary of their investigation. Including the name of the company and representative that they spoke with along with the date and time, valid contracts, and anything else that will prove that what they continue to report is verified as well as validated. I also included that the issues can be resolved by simply removing the inaccurate and incorrect reporting if the items I mentioned above ca n't be provided. This has truly been a painful experience for me. What makes this process more frustrating is that I 've contacted other credit bureaus concerning some of the same issues and they 've more cooperative and helpful than Experian. I thought that they are supposed to have consumer 's best interest at heart. Instead, it seems as though that they 're trying to hinder me. I did n't want to result to filing this complaint, but I hope that this will be the conclusion of this entire ordeal because I 'm exhausted! 

Certified Mail # XXXX XXXX/XXXX/XXXX Certified Mail # XXXX XXXX/XXXX/XXXX
Product: Credit reporting

Equifax failed to verify disputed items within 30 days. This is the second time this has happened. I certified mailed them over 60 days ago and still no response to my disputes.
Product: Money transfer, virtual currency, or money service

Date of Transaction : XX/XX/2022 XXXX Amount {$480.00} Unauthorized transaction. Have contacted Coinbase account support and card services too many times to count since XX/XX/XXXX. I bought a plane ticket om XX/XX/XXXX with my Coinbase card and then requested a refund from the merchant the same day which was credited to my account XX/XX/XXXX for the amount {$480.00}. This charge and refund was reconciled and balanced my account on XX/XX/XXXX. However, nearly 2 months later, I noticed a charge in the amount of {$480.00} on my account on XX/XX/XXXX. I did not initiate this charge. I called the merchant ( XXXX XXXX ) to determine if they for some reason charged my account but their investigation determined not. I suspect this is an internal error on Coinbase 's system. I have been told on every instance of contacting Coinbase that an account specialist will review my case. Not a single time have I been contacted by an account specialist so no resolution has been given. I have every email thread regarding this issue and I know Coinbase screens and records all calls. I have provided screen shots related to the complaint and charges. Here are a list of Case numbers related to this issue ranging from XXXX XXXX to XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already attempted to not only resolve this issue with the company directly but through the XXXX  as well. It led to some communication but was poor communication on behalf of Coinbase as they have yet to resolve the issue and communicate promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXX/XX/2023
Product: Payday loan, title loan, or personal loan

my rights has been violated as a consumer because On or around XX/XX/2022 I ran across an ad from discover that I have attached to this complaint. It does not state anything about a hard pull to my credit report. I never authorized Discover to report on my credit report at all. Not only is this identity theft related because I did not authorize for Discover to report the inaccuracies on my credit report. The information that they advertised was very misleading and it did not mention anything about reporting on my credit report at all nor did I give them consent to report to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Trans Union on XX/XX/XXXX. They were supposed to send me the results within 30 days, but they have not. I have even sent Trans Union a follow-up letter, which has also been ignored.
Product: Mortgage

I am a man who respects my financial obligation so all my payment, I pay almost 10 days before the due date my first pay it should be on XX/XX/2021, I paid it 5 days before the due date, I did payment online manually, and before I set up auto-draft, but I thought is not active yet. The mortgage company deducted the amount of {$130000.00}, and I paid {$100.00} for principals as extra. After they receive that payment, they deducted another {$1300.00} so deducted my mortgage for one payment twice, I call them to refund me back for the second payment, they regarded it as returned payment and added {$40.00} fees. They disable my account online, prevent me from paying my mortgage payment online. This company, sorry to say is not professional, very greedy, have no flexibility, lacking all rules and conditions which qualify them to be a good financial company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX The above company placed an inquiry on my Experian Credit file without my consent. Please see below. I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a " XXXX '' account listed on my credit report several times for inconsistencies and inaccurate reporting. I first disputed on XX/XX/XXXX, asking the company to delete the account from my credit report. On XX/XX/XXXX I disputed the " date last active '' because the dates were inconsistent and does not match. I then disputed on XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. I asked for an " investigation '', " method of verification '', and sent violation letter because the " date last reported '' was not updated even though the account was verified. Also, the payment history on the account is inconsistent and inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX Bankruptcy 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 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 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
Product: Credit reporting or other personal consumer reports

I paid my account in full and I also am on auto pay. They have reported on my credit that I have missed 3 payments. This isnt true, I was on auto pay. I even called last month to ensure that my account was closed. Today I got an update that they reported Im 30 days late with a XXXX dollar balance??? That doesnt even make sense. Please fix my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and tried to resolve these late payments showing on either of my CITI accounts. I was in deferment due to COVID and they are violating the CARES Act.
Product: Money transfer, virtual currency, or money service

So I been using Cashapp for a while and there was a glitch where they took money out of my Cashapp account, but they closed my account for some reason I made a dispute before they did of XXXX $ for a temporary use but I had got an email that said the XXXX is now permanent but when I logged in to XXXX is not there so I never got it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I keep receiving calls from Access Receivables Management in regards to a cable bill debt that is not mine. I have tried talking to them but they do not seem to want to hear it nor will they remove me from their robocall list. 
The acct # they are after XXXX The phone number they leave XXXX XXXX XXXX XXXX The phone number they call from XXXX XXXX XXXX XXXX Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit reporting or other personal consumer reports

Ive sent multiple disputes to experian. They did not properly investigate any of my disputes. I do not think they investigated any of them. Many accounts on my credit report are false, incorrect or not even mine.
Product: Debt collection

I've sent numerous letters to this company to have them verify an account that they have placed on my credit report. All they have sent back is a bill which is not enough to verify that it is mine and it also contained a hippa violation with personal information on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

American Express and Delta Skymiles Program sent me an invitation to apply for their card and as a bonus offered XXXX skymiles after a {$1000.00} spend. I applied, got approved and spent a {$1000.00} with 2 months. 

Now, Amex is refusing to post the miles on the pretext that i was a member in XXXX and got the miles. 

If Amex had my SSN # and prior card membership, why was I sent the invitation again? 

This is a BAIT and they are defrauding consumers. 

I called XXXX and spoke to Supevisor XXXX, at XXXX EST on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

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 EARLY WARNING SERVICES , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have Never opened or used the following account numbers 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit acceptance has been destroying my credit for the last couple of years. It is currently showing that I have a repossession for {$16000.00} but it is also showing that this debt has been written off and charged off. According to the IRS any debt over {$600.00} that has been written off and canceled the company must file a XXXX and also provide me a copy of that XXXX that says that the debt has been canceled and I no longer owe the debt. I have requested debt validation and a copy of the documentation of original documentation which I was never provided it has been well over XXXX XXXX but they still are reporting on my credit report I demand XXXX TransUnion and XXXX to delete the {$16000.00} off my credit report for the failure of providing me the documentation that I requested I also requested debt validation and copy of the XXXX  and they were never mailed to me they were never emailed to me I was never provided with the XXXX  I requested I demand this be deleted immediately by the XXXX consumer bureaus XXXX Trans Union and XXXX immediately or I will take legal actions. I will sue for damages and the distress that it is causing me and my family especially when I'm trying to buy a home for the family I will take legal action within XXXX XXXX XXXX unless this has been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX  I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the heart increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from XXXX saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following financial companies pulled my information and conducted hard inquiries on my account without my consent : Chase Bank : XX/XX/2018 XXXX XXXX : XX/XX/2018 XX/XX/2018
Product: Debt collection

I was checking my credit to purchase a home, I found a debt for capital one credit card. I called the company and they told me that the card was close due to fraud. The representative told me not to worry about it and that it should fall off because of fraud. Now the debt shows up under XXXX and not on the rest of the credit bureau.