23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The company said it changed its policy. Starting this summer, it would no longer send monthly statements of the credit card charges and balance due. Instead, the card holder must login each month, search for the monthly statements, print it, and then review it. if the card holder wants a hard copy mailed each month, the user must pay, and be charged on his credit card, a monthly fee of {$1.00}. That is so abusive. To charge the card holder for receiving a hard copy of the monthly statement. Not right. A creditor should be required and is obligated to send the bill each month to the user. 

What if my internet is down, as often happens, and I can not access the account? What if my phone is lost and is being replaced, as has happened twice to me already? What if the creditor has an issue on its website, and the card holder can not access the account in login, because of system failure, as it has happened in the past more than twice?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Account # XXXX
Product: Payday loan, title loan, or personal loan

I went to get a laptop from Conns, They approved me a line of credit for {$3500.00}. I got some items for about {$3400.00}. I was told after the calculations that my bill will be {$86.00} per month but with warranty it will be about {$120.00}. 
I went home to find out the laptop was already open and had someones log in. I took it back to the store and they apologized and gave me a new one. I came home and got a payment booklet in the mail showing a {$17000.00} balance and $ XXXX monthly bill. 

I called the store to let them know, they transferred me to corporate. A manager named XXXX apologized and told me it was an in house error and it will be fixed withing a week with a new contract. She said the old one had to be cancelled. 3 weeks rolled by no feedback. I called to let her know my bill is due and I have to pay to avoid having a late. she said not to pay because the contract has been cancelled and they are drawing a new one. another 3 weeks went by, this time I start getting calls from Conns saying i am late on my payment. I asked the same lady XXXX that if the old contract is cancelled why do I get calls about a late payment. she told me not to worry it will be sorted soon. soon turned to 3 months and XXXX was no longer at that location. I now got to speak with another manager XXXX who said it will be done soon. They reduced the bill to {$12000.00} which was still not what I owed and by this time they had my reported to the credit bureau for late payments and collections. 
I even offered through email to pay off the balance and have them credit it to my account since they are saying I owe and then they also say there is no contract, but they refused stating the calls will be stopped and I will not be bothered again. They did not stop the calls. The harassment went on. I offered to return the items and just have them pull off the delinquent credit report. they said no. 
I had paid off all my credit cards per arrangement with m

y credit union to get a house loan and a business loan. that has screwed it up until today. Conns has not removed the false report on my credit and have not fixed the balance. When o told them I will get an attorney, they panicked and one of the managers sent a message that was meant for Conns in house saying because I am threatening legal action they should act quickly. Looks like that still did not help. This has caused so much trouble with my credit, my business, my health and not even a word of apology from Conns, I am still working with an attorney to get this resolved. I feel like I am in a bad dream.
Product: Debt collection

XX/XX/XXXX date submitted for another dispute, first disputed was back in XXXX of XXXX {$990.00} dollars this company southwest credit system keeps trying to make me pay, this account isn't mine and I don't know who these people is and its impacting my credit really bad with this hard inquiry. I disputed it with XXXX  twice and XXXX is asking for documentation that I don't have because this account isnt mine. the consumer isn't trying to do nothing but keep making hard hits on my credit report resulting in a dramatic drop every time they report this false account that i know nothing about
Product: Credit card

Recently, I, allegedly, defaulted on a credit card by Bank of America N.A ending in XXXX and they sold my personal information to XXXXXXXX XXXX then, XXXXXXXX XXXX XXXX XXXX without my consent. My demographics, with address, and social security number was given to these entities. I want to request for a full investigation whether they have a right to sell the information mentioned, and if they paid the taxes on this alleged debt when it was charged off or the excised tax that is due on a carry over basis. I don't think Bank of America, XXXX XXXX, nor XXXXXXXX XXXX XXXXXXXX has the necessary forms on file with the social security administration.
Product: Consumer Loan

Credit Agency reporting-who & how to handle? 
CHRONOLOGY of EVENTS : XXXX I had severe Identity theft ( Divorce related ) XXXX I worked to get Cr agencies to report XXXX BK & debt charge-offs appropriately XXXX/XXXX/XXXX Credit Agencies started reporting BK/identity theft charges from XXXX, out of the blue. 
This error just dropped my credit XXXX points in 1 week & i was rejected for a home or rental leaving me homeless & I desperately NEED HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , Equifax and  XXXX  are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from XX/XX/XXXX - XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX , Equifax and  XXXX  to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX    XXXX   and  XXXX  of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S. code 1681i- Procedure in case of disputed accuracy. 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 consumer notices the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct reasonable investigations to determine whether information is inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) be the end of the 30 day period beginning on the which the agency receives the notice of the disputed from the consumer or reseller
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate on my Experian credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX  XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX  XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 



XXXX XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 



XXXX XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 



XXXX  XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

And one more thing according to 15 use 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachment below
Product: Debt collection

Still reporting to the credit bureaus that account is in collections when they closed the account off due to fraudulent obtained.
Product: Credit reporting or other personal consumer reports

According to the ( FCRA ) Company failed a requirement pursuant to 15 usc 1681a ( d ) 2 Exclusion to consumer reports not included, company also fail requirements to 15 usc 1681 ( a ) ( 4 ) right to privacy.
Product: Credit reporting or other personal consumer reports

There are several accounts being reported by XXXX, Equifax, and XXXX to my credit file. I did not authorize these accounts to be shared or reported to my credit profile. I have a right to privacy per the Fair Credit Reporting Act 15 USC 1681 3 ( a ) 4 which states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I would like for XXXX, Equifax and XXXX to remove the following accounts from my credit file which will protect my privacy with the following accounts. Please remove the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I deposited a payroll check on the mobile app with Citibank. They check was going to be held ; so I proceeded to asking an agent thru the mobichat if they could stop the deposit so I could cash the check and I was informed I could cash it. Two days later XXXX the cash checking place I used called me back that the check was returned. After I found out Citibank was closing my account. Ever since then I have tried many many times to get answer to when will I receive the funds from the account when it was closed and they keep giving me different answers. First, they told me they would send a check it should take 5 to 7 buissness days I never received it. After they told me it was 10 to 15 buisness days that I should receive it by XXXX XXXX. Never received it. Now they tell me they never send a check and that they are awaiting the response from another dept. Which I can not talk to to see if the funds are going to be released to me. I have tried escalating the matter, speaking to supervisors. XXXX XXXX XXXX  and have not gotten any answers. At this point because I had to pay XXXX back I am getting wage garnishment to pay XXXX the money back. The check was in the amount of {$490.00}. I have the last account statement that they sent. Which says the ending balance was {$490.00} there is a {$5.00} Non citibank Atm fee which I dont know why because I didnt withdraw any money on XX/XX/XXXX, a XXXX monthly service fee also XX/XX/XXXX and says other withdrawal XXXX. Which I never withdrew because my account was locked.
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  XXXX / {$790.00} / XX/XX/2021
Product: Mortgage

On XX/XX/XXXX multiple payments to this mortgage were made simultaneously to bring the loan current.
On XX/XX/XXXX we were informed that although the prior months payments were applied perfectly, XXXX 's payment of {$960.00} would not be applied because there had been a payment plan offered by Freedom Mortgage. Although not accepted, this payment plan proposal is said by Freedom Mortgage to be sufficient for them to require the $ XXXX monthly payment thus rendering the {$1200.00} paid for XXXX and fees a " partial payment ''. 
We have now sent multiple copies of our written request for fund application to Freedom Mortgage and have received no response. 
The funds in question remain in suspense with Freedom Mortgage making no attempt to either apply or return them. 
The funds in question are in the amount of {$1200.00} and have been suspended for the duration of 38 days. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would expire on XX/XX/XXXX prompting the application of funds. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would need to be rejected in writing and sent to email " XXXX '' or faxed to XXXX. 
See forwarded email sent to said address on Tuesday XX/XX/XXXX with the aforementioned written request. 
A fax to the number provided was also attempted but was unsuccessful. ( Fax responded as a UNSENT : BUSY ) This account has been charged with a late fee for the XXXX payment of {$960.00} ( as stated on mortgage statement dated XX/XX/XXXX ). 
Negative information has been reported to the credit agencies. 
No mention of a payment plan has been made in writing to the mortgagors of this loan. ( See Mortgage Statement dated XX/XX/XXXX ) No mention of a payment plan has been seen on a mortgage statement received by the mortgagors of this loan. ( See Mortgage Statement date XX/XX/XXXX ) It has now been 38 days since Freedom Mortgage has issues a mortgage statement to the mortgagors of this loan. 

We believe this to be an abuse of the suspense account and request action be taken immediately.
Product: Debt collection

I received a collection account added to my credit reports today from AFNI, Inc. There address is : XXXX XXXX. XXXX XXXX XXXX, Il. XXXX. Phone # XXXX. That are reporting a debt of XXXX. The original creditor is XXXX in which I have not had services with them and this account was fraud. This account was removed from my report and deleted. Now its re-appearing as they seem to have now purchased this debt. This collection is preventing me from closing on my home. This is not mines. I have a police report and a ID Theft report to provide if they need it.
Product: Checking or savings account

For the l ast two months, Chase 's w ebsite has only work intermittently. This has made it difficult to manage my accounts and use the online bill pay functions. At first I thought it was a temporary issue will updates were made, but the problem has persisted for months.
Product: Credit reporting or other personal consumer reports

the following account shows as charge off which means it was written as a loss by the creditor which also means a 1099-c cancellation of debt form was never sent to me. 

CAPITAL ONE BANK USA N * Account # XXXX Date Opened XX/XX/year> Balance {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I lost our home on XX/XX/20, Technically we were evicted on that date we owned the home yet were not given our due process because the mortgage company ( Selene finance ) claims we did not answer the complaint which is not true because we answered the complaint through the office of foreclosure in XXXX which I'm certain can be easily verified, I know this is sort of after the fact but we both feel this should never happen to any homeowner.
Product: Mortgage

Our house burned down in XXXX XXXX. My insurance company sent the checks to cover the rebuilding of our house payable to me and to the mortgage company. The mortgage company is still holding on to {$7800.00} and refuse to give it to me. I need this money to finish paying my builder. They sent an inspector to my house to verify that it was rebuilt on XXXX XXXX, XXXX. The inspector and I both signed the inspection report wherein she stated that the work was 100 % done. You will see that the mortgage company very obviously altered the signed document stating that rather than 100 % completed, the house is only 28 % completed! How on earth can you determine such a precise number - 28 %? The mortgage company has deliberately committed fraud and should be held accountable for altering a signed document. In any event I want the mortgage company to release the remaining funds. This is MY money, not theirs. We received a Certificate of Occupancy, has been occupied since XXXX. There is no legal reason for them to illegally and arbitrarily refuse to release MY money to ME. I was instructed by a representative of the mortgage company to send my complaint to their customer relations department which I did on XXXX XXXX, XXXX. As of this date they have not even had the courtesy to respond to my complaint. Copies of the documents and my last correspondence to them are attached.
Product: Debt collection

Debt has already beeen charged off an company still trying to collect afetr debt has been sold or appropriated or reolved.
Product: Money transfer, virtual currency, or money service

Coinbase has locked me out of my account on their website and I can not seem to get it recovered. Trying to sign in with my username and password pulls up a prompt for a 2 Factor Authentication code texted to an old phone number that I do not have anymore ( I recently changed it and forgot to update it on a few sites online including this one ). The normal process for many websites and 2FA issues is to submit proof of identity, but I am having repeated issues doing this with Coinbase with little effort on their end to help resolve the issue.

After clicking the option that I no longer have the phone number ending in ( my old number ), I am taken to a " coinbase account recovery '' page that asks to upload my state ID and a picture of myself to verify that I am who I say I am and to recover the account. I am not sure what is wrong with their program, but I can not get the system to verify me no matter what I do. I have taken clear photos of my ID multiple times with my new XXXX smartphone, and for the picture of myself have used said phone camera as well as a laptop webcam, but no matter what I try to use their system refuses to accept the valid ID and photo of myself and will not recover my account. 

After this, I tried contacting Coinbase customer support through an online field submitted to them, detailed with this information that I no longer have my 2FA phone number, that I can not sign in to my account, and that their recovery systems are not working and put in a request for another way to verify my identity and recover the account, such as sending a copy of my social security or birth certificate, for example, or having a support agent personally check the ID and " selfie '' online if their automated system is having issues.

I received an email from Coinbase Support within two days after, with what seems to be a canned response. It simply lists the steps to start an account recovery process using the automated method that above I stated is not working, so this was not helpful in recovering my account, as well as a few " tips '' for a successful validation that did not work for me. Furthermore, I was hoping to respond to this email with a further request for something to be done as this did not help me get my account back, but I have no further way to respond to the support ticket filed. The link in the email to follow to view the ticket status and add comments, etc does not work, clicking it simply redirects to the general support FAQ page.

The fact that I can't recover my account in a timely manner isn't even a big deal, what's frustrating is that their recovery systems will not work even though my identity is accurate and true on the ID and photo submitted, and when I inquired on why it wasn't working and how to get my account back if it wasn't working, they simply sent a canned response and won't even give me a method to reply back for a different solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Money transfer, virtual currency, or money service

Unauthorized transfer were made. As I contacted cashapp. No luck or help. Then disputed this transaction. Now cashapp puts me at a negative $ XXXX. Completely disappointed.
Product: Credit reporting

I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. However, I have reached out to t he US Bankruptcy Court  of  XXXX  - and they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.