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

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has removed an account that I am an authorized user on with a {$50000.00} ( Acct # XXXX ) limit from my XXXX XXXX  after I already spoke with a representative XXXX weeks ago and advised them the wrong account was being XXXX The representative have advised it would be closed. I never added that account to any XXXX XXXX submitted. An Experian employee added that account on their own which is fraud!!! This is ridiculous and they are making it hard for me to get in contact with them to have this rectified. I tried calling their numbers they have on their website to contact them and I can not get in touch with a representative ( XXXX ) and ( XXXX ). I fear I am being blocked because I've recently been challenging how they report items on my report and that is discrimination!!! This has caused my score to increase XXXX points and this is unacceptable!! Experian is not complying with and is breaking the law by not reporting accurate and updated information and this has been going on for a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

EquifaxandXXXXissupportingXXXXXXXXonleavingabusinessaccountonmypersonalcreditreport.IdisputedsomanytimeswiththemandunfortunatelytheyrefusetotakeitoffbyallowingXXXXXXXXtosayforthemtokeepitthere.Pleasehelpme,mybusinessnamewasXXXXXXXXXXXXXXXXandunfortunatelyitisnotinbusinessanymorebecauseitdidn'tbringenoughrevenue.Thankyou!!!XXXXXXXX.
Product: Credit card or prepaid card

XXXX XXXX made an erroneous filing of a " severely past due account '', which was submitted in error, based on a fraudulent theft of " courtesy checks '' from my mailbox that in a case they had investigated and closed ( see cfpb complaint XXXX. 

Without contact or notice Wells Fargo summarily blocked and closed this account, causing embarrassment and hardship on the card holder.
Product: Credit reporting or other personal consumer reports

I am filing a Complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to Ensure Equifax complies with Federal Law and provides consumers with the necessary proof investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

Getting sick was the worst mistake that I ever made in my life.The medical bills are outrageous and un-affordable, The company continually takes my life away from me and penalize me for being sick. I am a single mom who pay check is completely gone due to the fact that I cant afford to live and I definitely cant afford to be sick.I don't even have gas in my car for work what am I suppose to do at this point .Help please.
Product: Money transfer, virtual currency, or money service

CoinBase Has locked my account, I can not buy/sell or transfer crypto currency.  I owe XXXX dollars on the account and it is in good standing.. I have been trying to contact them for almost a month and I did not get my emails answered. I called them today and spoke with a woman she said she was going to escalate it.  And that she is sorry.. This is unacceptable to be holding my money like this.
Product: Credit reporting or other personal consumer reports

XXXX reviewed notes and completed a CFPB complaint online every 15 days for 3 Credit Bureaus.

This is the follow up complaint for My information has been exposed in the XXXX data breach. im a victim of identity theft. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I was issued a XXXX XXXX XXXXXXXX XXXX XXXX through my Native corporation for annual distribution of funds from Native land settlement act. 
The card gave me issues from the beginning. 
The 3 digit code on the back was wrong in their system. 
Their app wouldn't let me log in saying too many attempts & my account is locked. 
I left it alone several times & XXXX  back to try again & still after several failed attempts was still denied. When I call the XXXX number it would state my 3 digit code isn't valid when I'd get the automated system. 
I had over {$120.00} in the account frozen from last year 's distribution in the fall. 
I got 2 more deposits early XXXX after requesting it not be sent to the account due to the issues but it wasn't recieved in time. Now I have over {$1000.00} in the account. After going around & around & getting nowhere with the XXXX XXXX XXXX customer service reps I asked for my money to be returned to the original company so they could distribute another payment. They refused & fi ally offered to give me another card to remedy the problem of their system having the wrong XXXX digit code on the back of the card which was never offered before. I even offered to send a Pic of the card front & back to show the information I entered was correct & the I fo they have is wrong for whatever reason. I didn't want to deal with them at all anymore after over 20 calls trying to resolve the issue & them constantly running from accountability including being told I'd get a check within 5-7 business days & that never happened either. It's been over a month now. 
They stated last time I spoke to them it's because I changed my address why they haven't mailed it yet & refuse to acknowledge any wrong doing even refusing to talk as long as they are be recorded which I tried to do to document this circus. Their reviews show similar issues with other customers stating they can't get in the app & being locked out. 
They sent a link for a temp solution & that timed out & never worked either & they say if I wasn't successful woth that option I have to wait 2 weeks or whatever antics they were pulling & just yanking me around. 
I've spent hours & hours on the phone woth them & am over it. I was told to call XXXX XXXX XXXX XXXX days to get a tracking number for the check they were supposed to send to my XXXX XXXX address & they didn't have any answers or solutions other than to keep calling back. I've verified & proven it was me trying to log into my account with exact times & dates & they refuse to remedy this issue & aren't giving me my money. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a consumer by law. i did not submit this in error. 
Experian did not have my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer have inquires that are unauthorized and has been furnished without my consent. This is a direct violation of 15 U.S. Code 1681b ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I let both credit companies know this over the phone and they didn't complete their jobs. The credit companies are XXXX, XXXX and Transunion.
Product: Debt collection

Designed Receivable Solutions never sent me a validation notice. I had no idea I could dispute the debt, or that they had to validate it. Additionally, I was insured at the time as I have been for years and the debt is invalid.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges, and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances, despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX  business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more.

XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX U-verse Account XXXX I've tried several times to remove this unfair information from my report as it directly relates to a disaster issue I have no control of, and it clearly states that on the report.
Product: Credit card or prepaid card

1. On XX/XX/XXXX there was a dispute filed for transaction. Citi issued credit but then reversed credit without providing copy of any information of why transaction was reversed. Then in XXXX when I contacted Citi and asked how or why, I was given two different answers. I was Sent a time sensitive, password protected document to sign but the credit card system and the protected email are not accessible! I have a right to request copy of communication and to verify information on my end.

2. Upon requesting documents again, Citi sent a blurb stating, " information requested will not assist or matter in disputing transaction or fraud ''. That is the complete opposite of why a cardholder is or would dispute a transaction and provide proof. 
3. XX/XX/XXXX In contacting Citi again, I have been given run around but more fraud transactions are posting to account. Upon several attempts to go online and call Citi, there is no information being provided to assist or communicate about account. 
I feel like Citi is assisting with fraud being committed on the account. 
4. Citi is discriminating in services to certain cardholders.
Product: Debt collection

LVNV FUNDING received a REQUEST for debt validation signed. They failed to produce this documentation signed. Therefore the alleged account is now settled and closed. Concurrently they never responded with a debt validation letter with a signature or a true bill of indictment for the alleged bill. This account has been deemed usurious by Florida law below 687.02Usurious contracts defined. ( XXXX ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. 687.071. ( 2 ) As amended by chapter 79-592, Laws of Florida, chapter 79-274, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979.
Product: Mortgage

For over a year XXXX to XXXX plus and to present I have been illegally denied all access to cash out references, no equity line of credit, not allowed, no 2nd mortgage. I had perfect credit, good debt to income, current pay check, only wanted 10 % of the $ 250k equity in my house. I would have been debt free AND lowered my mortgage payment.!!!!! It was the smart thing to do. All California banks including federal credit unions denied me, all healthcare benefits are always denied both VA and the XXXX XXXX XXXX openly and in writing steal everything from me. For more than 3 years now Im 16 months behind on my mortgage cant walk no gas and the cfpb is responsible for helping them
Product: Credit reporting or other personal consumer reports

Spoke with customer representative with XXXX. They refused to prove or show the results of false information on my consumer report. I ask for these things not to be shared to the public due to my well being and choice of privacy. My credit has been compromised by data breaches as well. I have a FTC report. Reference # XXXX
Product: Credit card or prepaid card

I saw fraudulent charges on my Citi credit card statement and immediately called Citi to tell them about the fraudulent charges. There were two charges that were made on my account to XXXX on two consecutive days. The first charge was made on XX/XX/2018 for the amount of XXXX. The second charge, was made on XX/XX/2018 in the amount of {$110.00}. I have NEVER ordered anything from XXXX and when i called Citi i was transferred to a customer service department in XXXX and no one could understand what I was trying to tell them. I had to make them cancel my card because I told them someone had made fraudulent charges on my card. 

I got a letter from Citi saying they would investigate. They investigated and said the charges from XXXX was valid because the merchant said they were delivered in XXXX Florida!!!! I do not live in XXXX Florida and the merchant said the items were received by someone named XXXX XXXXXXXX!!! Last i checked i do not know anyone by that name! nor do I know anyone in XXXX! So, Citi card is trying to make me pay for the charges that I did not authorize, and I am highly upset because I shouldn't have to pay for fraudulent charges! I have been a Citi customer for 23 years and I have never had a problem like this before. I know what I charge to my card! If i had made those charges I would not have called and reported it as FRAUD! Please help!!!

Citi did not do a very good investigation. There were a lot of red flags that all point to fraud, and they have sided with the merchant because the good were delivered. So what if they were delivered! They are fraudulent! There was also an email on the merchant statement from the person who stole my credit card number and it says : XXXX This is not my email address! and with an email with that name, seems like something only criminal would create! 

So someone stole my number, ordered from XXXX, had the items shipped to XXXX Florida and signed for it by the name of XXXX XXXX! Also, they ordered a pair of tennis shoes and SEVEN pairs of some slides! i should not have to pay for these charges!
Product: Credit card or prepaid card

American Express has a feature called " Plan It '' by where they allow you to select certain charges and get a fixed monthly amount to pay. They offer a calculator to show you what you COULD get as a plan term. But no way to actually see what your plan would be based on the information they already have about your account. 

This calculator is deceptive. If someone goes in it and says they are going to make a {$4000.00} purchase and it shows only 24 months as an option and a monthly payment of {$160.00}, they may think that is reasonable for them to pay and go make the purchase. 

Then turn around to creating a plan, and that same person with no other changes to their account could only get offered a 3 month term to pay it off. Meaning {$1300.00} a month. That is far higher than they expected based on the calculator. 

American Express will vehemently defend this saying their calculator clearly says it is only for appearance and your actual terms will vary based on XXXX data. Which, is just a way for them to wiggle out of responsibility in being fair and transparent. They are luring people into making a purchase and then switching the options on them. This is a classic bait and switch scheme, no questions asked.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX I unlocked my credit reports to get approved for an apartment for my kids and I. Where I was later denied due to a negative report. I went to check my credit and there it was Lvnv reporting negativity impacting me from my application being denied.
Product: Mortgage

we are recently submitted a claims to varies if we got a hamp. modification from XXXX XXXX XXXX. but we forget to mention our second complain about not modifying our home because we make too much money and our debt is too high. which do n't even make any sense because we are making less we loss our XXXX and was sick for the past three years. our bank statement and everything reflect us making less and transition from one job to the next. we feel that the bank just want to sell our home and do n't want to work out a solution for us. struggling family in hard times. we send several faxes and mailing document for the past three years but there is always something that was not done or receive. we are looking for a fair chance of modification of our home.
Product: Credit card or prepaid card

I closed my credit card within 1 month of annual fee billing. Since I had already paid the annual fee, Citi card representative told me that they will mail the annual fee back to me by check. 
However, I have never received the check.
Product: Credit card or prepaid card

I was notified by the credit reporting agency that I was over my credit card limit by {$650.00} and I hadn't used my card. I called because I thought there was fraud on my card. I was told that my deferred interest was added but I was never notified prior to this happening. I immediately paid the interest and was reassured by customer service that it was an error and my credit would be fine. I pulled my XXXX XXXX and XXXX   reports and it all shows that I went over my credit limit by {$610.00} which is incorrect. They are in violation of the FCRA and I want my credit limit and highest balance to show {$3000.00} like it is supposed to not that my highest balance was {$3600.00}.