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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

ARS ACCOUNT RESOLUTION SERVICES was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. ARS ACCOUNT RESOLUTION SERVICES was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX, VA XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus. ARS ACCOUNT RESOLUTION SERVICES also had to prove that my PHI was not disclosed without my authorization by furnishing an authorization release of information about any services or payment made or due if they did not render any XXXX XXXX to myself. ARS ACCOUNT RESOLUTION SERVICES did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.
Product: Credit card or prepaid card

SHOP YOUR WAY CITI MASTERCARD. 

I was charged 2 fraudulent transactions from gas station on XX/XX/2020 ref # XXXX {$180.00} XXXX XXXX XXXX XXXX ref # XXXX {$280.00} XXXX XXXX XXXX XXXX disputed the charges right away,,, now is over 3 months and credit card company still denying to issue my credit.
Product: Money transfer, virtual currency, or money service

I have spent hours and hours trying to access my Coinbase.com account. The issue is a result of privacy and identity verification. I have followed all of the steps dozens and dozens of times. I have checked data parity between my id and information I have provided them. I spent over 10 hours on support with them and they were not able to get me access to my account even though I followed up their instructions exactly. They told me they escalated the issue and that someone would follow up through email but they never did. At this point it feels like they are intentionally making it difficult for users to access their account. There are hundreds of other instances like this Ive found online. I just want access to my account and digital currency. Every XXXX XXXX with Coinbase makes you wait for a minimum of 8-10 hours. Its insane.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of XXXX I noticed XXXX XXXX  was not reporting my account accurately ( not reporting payments ), I was able to use the card to make a purchase in XXXX, and then not again for 3 months. I contacted the creditor SEVERAL times by phone, first being told because I had a different address I was locked out of my account for a week, then told there were system errors throughout showing some accounts as closed and mine was one affected, I was even question as to whether or not I had closed the account because at that point in the rep 's system my account was showing closed. There were phonecalls made at least 7 times between XXXX XXXX as I was unable to use the account at all during this time to make any purchases, although I was able to verify the account had not been closed, rather this update " technical glitch '' somehow made my account unusable. 

XXXX  KNEW it had a system error that was resulting in many accounts being reported incorrectly and not only didn't attempt to fix the issues with consumers ( I was given the run around, call back in 2 weeks, we're still working on it, our system update glitch remains unsolved 4 months later ) and unable to take advantage of any financing offers that required I specifically use this card ( the entire reason I got it ) but HAS NOT correctly updated accounts that have since been reported inaccurately even though they WERE AND ARE AWARE their system is the problem. Finally in late XXXX, early XXXX the issue had been fixed with MY account and I was able to use it again. 

When I asked in XXXX of XXXX for a letter of statements of the fact to send to all 3 credit bureaus ( as by now the account was reporting as closed as of XX/XX/XXXX ) I was told I had to write in to request that, and to just give it 30 days and it will clear itself out, well nearly 60 days later SOMEONE IN THERE KEEPS VERIFYING THE WRONG INFORMATION! 

I then proceeded to dispute the information on my credit report with each bureau ( several times ), and EACH INVESTIGATION returns as verified leaving me to believe either no investigation is happening or XXXX  if STILL furnishing incorrect data FULLY AWARE of their own system error. 

While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings. 

As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given XXXX MULTIPLE opportunities and an exhaustive amount of time to fix the issue. 

Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against XXXX
Product: Checking or savings account

I applied for a CD  online with Comenity Bank on XXXX XXXX, 2019. I was given an automated message that my application was denied without further explanation. I never received a letter in the mail with further details. I called the customer service number provided multiple times and each time the representative explained that the decision was made by " the system '' and that no one at the company was given further information information on the decision. They offered to let me re-apply to ensure there were no " errors '' but the system will not allow you to re-apply with the same e-mail address.
Product: Debt collection

PORTFOLIO RC is claiming that I owe them {$360.00} with an Account NumberXXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card or prepaid card

In XXXX of 2018 chase didn't charge the right account and it gave me a late payment. It was only a minimum payment of less than {$90.00}. On all of my scores I never miss a payment and it affected my credit score a lot. I didn/t even realize there was a problem with payment or that I was late. Can I please get that strike taken off of my account I am a great customer and never before or after been late. I really did not know and would be so appreciative if we can resolve this issue.
Product: Credit card

Discover requested IRS tax transcripts for XXXX and XXXX. Refused to answer why. The request is invasive and abusive. In retaliation for asking why, the company closed my account.
Product: Credit card or prepaid card

This complaint is about Capital One. I had taxes withdrawn from my bank account, overdrawing it on XX/XX/2022, causing a payment to be returned on XX/XX/XXXX. I applied for a loan to pay off my credit cards, and received the funds a week later, on XX/XX/XXXX. I made a payment in-full on my card on that date. It cleared my bank on XX/XX/XXXX. Over the weekend, I attempted to contact Capital One to get the hold released, knowing that the payment had been both funded and posted. Capital One claimed that they needed to verify the payment. 

I called twice over the weekend, on Saturday, XX/XX/XXXX, to attempt to clear the hold, but my bank was closed and could not be contacted. I confirmed with a representative that as soon as the payment could be verified, the hold would be cleared. 

On Monday, XX/XX/2022, I called Capital One and had them verify with my bank that they had received the funds. I was then informed that my account would remain on hold until the end of the week, on XX/XX/XXXX. When I asked why, I was told it was policy. 

I regularly use this card and have a healthy payment history. The funds have been received, and I have a negative balance on my card ( so, a credit ). My account is still on hold, the funds have been verified, and there is no reason for me to not have access to my available credit. 

Capital One is making it impossible to pay off my card, for arbitrary reasons. Either the policy is that, once funds have been verified, holds are released, OR, the policy is that the hold remains regardless, but it can not be both.
Product: Credit reporting or other personal consumer reports

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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} WHILE TRYING TO PURCHASE MY FIRST HOME I REALIZED I HAD DAMAGES ON MY CREDIT REPORT. ACCORDING TO THE 15 U.S.C. 1681 LAW, THERE SHOULD NOT BE ANY DAMAGES ON MY CREDIT REPORT. IT IS A DEFAMATION OF CHARACTER.
Product: Credit card or prepaid card

I have been a member since XX/XX/XXXX and when up until a few years ago I had a fixed APR for purchases of 7.99 % they raised it to 10.99 % fixed APR a few years ago which I was not happy with but was still okay with it. Now today XX/XX/XXXX I just received a letter telling me they were going to raise my APR to 17.99 % variable based on the prime rate. I feel that is just unacceptable and I feel is totally unjustified due to the fact I have never been late on my credit card payments or have not had any over limit fees and according to them I have an excellent FICO score. I am currently caring a pretty high balance on this card but have always been prompt to make my payments on time and have been paying them the trailing interest at the 10.99 % fixed rate and will be hoping this change will not be able to effect the 10.99 % fixed rate on that trailing balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard enquiry from Unknown resources on XXXX  1. Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2. Institution Information XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. Institution Information Ally Financi XXXX, MN XXXX ( XXXX ) XXXX 4.  Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX 1. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Checking or savings account

{$180.00} was taken plus they put my account in the negatives and i couldnt get my direct deposit in that account so i was late on my rent!! It actually costed me close to {$600.00}!
Product: Vehicle loan or lease

My name is XXXX XXXX. I currently have a loan with regional acceptance. I have been receiving at least XXXX calls after hours which I thought was illegal. XX/XX/XXXX at XXXX am ; there were also XXXX calls after XXXX XXXX  which I do not have dates for
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for and was approved for financing through XXXXXXXX XXXX for XXXX XXXX. The terms, which have been verified with both the sleep number store and Sleep number customer service state that I should not be billed until 30 days after I recieve my bed. That date was XX/XX/XXXX. On XX/XX/XXXX, a bill was issued -- no dispute because that is correct, I recieved an alert from the credit bureau that my credit was over the limit. They have yet after 2 phone calls not explained why the amount charged is over the limit and why I have not been given the option to make a payment before alerting my credit of the over the limit amount that they can't explain, I have yet to recieve the bill issued on XX/XX/XXXX. The terms of the financing were 4 years interest free and then 5.99 % for the following 24 months. XXXX XXXX  also has 2 XXXX XXXX accounts reported on my credit report and there should only be 1. It states my credit utilization is 64 % which is also not correct as this is the only account with a balance and I have an XXXX credit limit between this and the only other revolving credit account I have which is also with XXXX XXXX. My credit score dropped XXXX points today due to these issues of inaccurate reporting, I have asked them to correct the mistakes to no avail. XXXX XXXX  disconnected the call the first time I contacted them at XXXX XXXX XX/XX/XXXX and the second time argued about what the promotional financing was and when I asked for a supervisor I was placed on hold for almost an hour. No one came back on the line to assist me or check in to let me know what was going on. Second call took place at XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I received an alerts from XXXX and XXXX that my credit had been run on Experian by XXXX XXXX XXXX. XXXX placed a fraud alert on my account and I contacted XXXX XXXX XXXX on XX/XX/21 and XX/XX/21 and they said they couldn't find anything. On XX/XX/21 I ran my credit report on Experian and was able to find the hard inquiry from XXXX XXXX XXXX. The Experian site says that hard inquiries can not be disputed online and direct you to a phone number, XXXX, that gives you the run around and makes it impossible to actually speak the " account specialist '' they direct you to call online. They essentially make it impossible to dispute the erroneous hard inquiry.
Product: Credit reporting or other personal consumer reports

I never was late in XXXX and XX/XX/2023 ACCOUNT XXXX XXXX XXXX XXXX XXXX per 15 USC 1681i ( 5 ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX and XX/XX/2023. However, I would like to assert that this reporting is inaccurate, and it is adversely affecting my creditworthiness and financial standing. Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. Please consider this letter as a formal request to initiate the dispute process under 15 USC 1681i ( 5 ). I understand that you have 30 days to complete your investigation, and I look forward to a prompt resolution of this matter. Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were forgiven by the federal government with a balance of {$0.00} My student loan provider was edfinancial. on XXXX it was transferred to a new service provider XXXX  My balance at edfinacial on my credit report for currently shows 2balances on 2 accounts {$140000.00} and {$27000.00}. They need to be {$0.00} and closed. 
My XXXX account is closed and shows a {$0.00} balance on my credit report. 

I have contacted edfinancial and filed a dispute with XXXX Edfinancial tells me to contact XXXX and wont update my credit report. XXXX won't update the balance to {$0.00} and close. 
Account with edfinaincial is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did finally contact me, but if of course they were not accepting responsibility They stated that the credit bureau is the culprit. I m sure if this is correct or not I am sick of the entire ordeal. I received a copy of my credit report and the same reporting!
Product: Checking or savings account

I signed up for BBVA Compass's Mega Blitz promotion in which I could apply online for a checking account and receive $XXXX if I completed a direct deposit within 60 days of opening my account. I opened my account on XX/XX/XXXX, and completed a direct deposit from my employer on XX/XX/XXXX. Per the terms of the offer, the $XXXX  should have been deposited into my account within 60 days of the direct deposit, i.e. XX/XX/XXXX. I haven't received this bonus. I have contacted BBVA on XX/XX/XXXX to find out the status, but never heard back from anyone. I have attached a print out of the promotion information when I signed up for the account for reference.
Product: Debt collection

Mailed letter to company opting out of reporting, for collection account dated XX/XX/2020 in the amount of {$830.00}, which was already paid.
Product: Credit reporting or other personal consumer reports

I reviewed my report and there are 2 XXXX accounts that I have never authorized, I do not recognize them. Additionally, there is another account marked as negative that also does not belong to me. In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : Disputed Accounts : 1.Name XXXX XXXX Account Number : XXXX Balance : {$1100.00} Date Opened : XX/XX/year>, 2.Name : XXXX Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/year>, 3.Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/year>