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

I would like to follow up behind my frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open account issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I am asking for your immediate assistance that this account should be corrected right away : XXXX XXXX XXXX : {$100000.00}.
Product: Debt collection

I had an American Express credit card, I fell back on paying it due to job loss and they ended up closing it and it went to collections. In XX/XX/2019 I received a letter from AMEX with an offer to pay off only 60 % of the debt that was owed and the card and the balance would be resolved. I called AMEX to take up the offer and they gave me another offer, which was too pay the full balance and Ill be eligible to receive an XXXX card application, I agreed and I received a letter in the mail confirming it. My account had been fully paid off since XX/XX/2019. It is now XX/XX/2019 and I still havent received the application. Ive spoke to AMEX OVER 30 TIMES!!!!!!!!!! They keep telling me theyre gon na send it out again over and over and I still havent gotten anything!!! They tricked me to pay the full balance on false accusations that I would be getting it in return.
Product: Payday loan, title loan, or personal loan

I got a self account in XX/XX/XXXX and finished paying the loan in XX/XX/XXXX. I was supposed to receive a payout in XXXX days. I am XXXX weeks out and I still have not received a payout. I called on XX/XX/XXXX and was told there was an error on my account preventing my payment but I would have to email the account recovery team. Why should I have to email someone when I'm on the phone? The person I was speaking to told me there was nothing she could do about the fact that I never received a payout and I needed to email the company to see what happened to it. This is unacceptable. Why do I have to reach out if there is an error on my account? And if I never called to inquire about my account I never would have known. I am being given the run around about my money which XXXX not be anything to them but its SOMETHING to me, a hard working woman. Self Inc are scammers!
Product: Debt collection

Today, right after XXXX I answered a phone call from an unknown name. It was Commenity Bank in reference to my XXXX Credit Card. I explained as I had a couple of days ago that I am out of work. They had previously offered to take my money out of my account and they read off part of my checking account number. I explained this morning I am out of work and do not have the money. The rep asked why I was past due after I had explained so I said good bye and terminated the call. The phone rang a couple of hours later from an unknown caller I.D . and I knew it was them again and did not answer it. They called again around XXXX XXXX and I answered it. I explained that I had advised them this morning I had no money and was out of work and was going to file a complaint. The complaint is for harassment. It is XXXX enough being out of work and being unable to pay, with out after having explained it, they continue to call and not even just one time a day.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 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 the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 

ACCOUNTS/ INQUIRIES/ COLLECTIONS/ ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX, a MasterCard that I did not apply for an application for. The time of this email was at XXXX XXXX. The bank that approves this XXXX XXXX Credit Card is Citibank, as I was affected by a Citibank Data Breach when I applied for a credit card back in XXXX. Second, Citibank of XXXX XXXX states, " derogatory public record collection filed '', that I had already filed with the FTC, but was not provided a reference number for that complaint. Moreover, states, " lack of recent bank/national revolving information which seems to be an invalid reason due to reasons that do not apply to myself from my credit report. I was also affected by the XXXX Data Breach that I refiled on XX/XX/XXXX, a claim confirmation, submitted claim id # is XXXX, a confirmation code # XXXX.The XXXX County Sheriff Office has been informed to a XXXX XXXX  with a permanent case number of XXXX. As evidence to confirm this complaint, a XXXX debit card I previously had was illegally attached to a XXXX XXXX account ending in XXXX, and XXXX XXXX dispute case number is XXXX XXXX. I am applying the XXXX Data Breach and the Citibank Data Breach from XXXX - XXXX has UNRESOLVED and continues to affect my ability to having accuracy reporting from the " Fair Credit Reporting Act '' as deemed by law that I as a consumer. This same complaint is for a XXXX, XXXX XXXX  XXXX store credit card, as well as a Master Card. The same invalid reason of " Derogatory public record of collection filed '', and secondary invalid reason is " Lack of recent bank/national revolving information '' when I have information that differs from what the " Fair Credit Reporting Act '' complies with. I have a claim with the XXXX  Public Record Settlement from XX/XX/XXXX, a letter confirming this from the Claims Administrator from the XXXX Class Action Settlement. I am seeking punitive damages due to the inaccuracy of 1 ) invalid, not applicable denial reasons that do not apply to my credit history since these two data breaches still have NOT BE RESOLVED of an unspecified amount.
Product: Debt collection

Debt was not owed. Company has been reporting false information on my credit report.

Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.

Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.

18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.

18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.

42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB personnel : I have reported CFPB and HAVE ASKED MY CONGRESSWOMAN TO GET INVOLVED AS the three credit bureaus for pencil whipping fraudulent activity by the CFPB and the three credit bureaus, for NOT PROPERLY INVESTIGATING, UNDER SECTION 609 OF FCRA, FALSE AND ILLEGAL ITEMS FROM IDENTITY THEFT ON MY CREDIT REPORT. THE THREE BUREAUS, DESPITE ME SENDING THEM A LETTER WITH MY SIGNATURE AND FIVE PROOFS OF MY IDENTITY AND ADDRESS, AND DESPITE THIS ADDRESS BEING ON MY CREDIT REPORT, AND DESPITE MY LETTERS HAVING MY NAME AND SOCIAL SECURITY NUMBER ON THEM FROM THREE DIFFERNET GOVERNMENT AGENCIES, EQUIFAX XXXX AND XXXX REFUSE TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX XXXX XXXX FROM MY CREDIT REPORT. THESE ACCOUNTS ARE ALL FRAUDULANT, ILLEGAL, RE-AGED, AND INACCURATE AND BETTER XXXX BE REMOVED BECUASE IM SUING EQUIFAX XXXX AND XXXX FOR PAIN SUFFERING AND EMOTIONAL DISTRESS!! SEE ATTACHED FCRA SECTION 609 LETTER AND PROOF OF MY INDENTITY!! I CAN NOT AFFORD TO SEND THESE LETTERS CERTIFIED MAIL!! I I AM A XXXX PERSON AND XXXX  VETERAN AND THESE COMPANIES REFUSE TO PRODUCE AN ORGIGINAL CONTRACT WITH MY SIGNATURE, THIS DEBT IS NOT MINE AND IS NOT VALID. THE CFPB IS REFUSING TO INVETIGATE MY LAWFUL REQUEST TO REMOVE FRAUDULANT ITEMS ON MY CREDIT REPORT, AND THE BUREAUS ARE REFUSING TO PROVIDE SECTION 609 DATA AND INVESTIGATE AND REMOVE XXXX, XXXX AND XXXX XXXX GROUPS FRAUDULANT ITEMS ON MY CREDIT REPORTS. I HAVE IDENTIFIED MY SELF REPEATEDLY ACCURATELY IN WRITING AND THESE COMPANIES REFUSE TO REMOVE UNDER 609 THE ABOVE COMPANIES FRAUDULANT ACCOUNTS FROM MY CREDIT REPORT!! CFPB, GET YOUR STUFF TOGETHER!! A STATEMENT BY A COMPANY IS NOT REPEAT NOT A VALID ALLEGED DEBT VALIDATION UNDER ANY COURT OF LAW, AND CFPB IS ALLOWING FRAUD TO OCCUR UNDER FCRA IUNSTAEAD OF SUING THESE COMAPNIES WHOM REFUSE TO INVESTIGATE XXXX, XXXX XXXX, AND XXXX XXXX XXXX. CFPB, REPEAT, A STATEMENT FROM A COMPANY, XXXX XXXX XXXX IS NOT NOT A VALID REASON TO PLACE A FRUADULANT ITEM ON MY CRDDIT REPORT. IT IS NOT ADMISSABLE IN COURT, ONLY A VALID SIGNED CONTRACT WITH MY SIGNATURE WHICH THE BUREAS HAVE NOT PRODUCED! I HAVE REPORTED THESE CREDIT BUREAAS TO DC AND TEXAS AND CALIFORNIA AND GEORGIA ATTORNEY GENERALS AND I WILL SUE THEM IF THESE FRAUDUALNT ACCOUNTS ARE NOT REMOVED. CFPB : THESE COMPANIES ARE LYING TO CFPB AND STATING THIS IS NOT A VALID CREDIT DISPUTE EVEN THOUGH IVE PRODUCED 5 PROOFS OF MY IDENTITY THROUGH CFPB INCLUDING MY DC ID CARD WITH AN OLDER ADDRESS AND PROOF ON GOVERNMENT LETTERHEAD OF MY NEW ADDRESS, WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX, WASHINGTON DC XXXX!! I HAVE ASKED MY CONGRESSWOMAN TO GET INVOLVED AND CFPB DIRECTOR WILL BE HEARING FROM CONGRESSWOMAN XXXX OFFICE IN THIS MATTER!! 
CFPB, YOU CAN NOT ALLOW THIS TO CONTINUE LEGALLY, THESE COMPANIES ARE XXXX THIS VETERANS LIFE AND CAUSING HIM HEALTH PROBLEMS!
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account number XXXX was closed by creditor. 
It was a secured account for XXXX The made me pay back XXXX and keep the security deposit. 
I agreed to pay balance off in a lump sum. Then put a XXXX balance old on my account and said forgiven. 
This account has been paid in full. I asked them to remove negative remark off credit report and put closed. Paid as agreed.
Product: Checking or savings account

on XX/XX/XXXX I authorized a transfer from Credit Karma Spending account that is backed by XXXX XXXX to transfer {$500.00} to XXXX so that I can invest in stocks. this transfer took place and the money is in the XXXX account, however the funds I would like to invest in XXXX says I can't trade in so I attempted to withdrawal my funds from this account. I continually receive error messages when I try to withdrawal my initial funds invested. I created a document showing screen shots of theses attempts, I called the customer service number I found online and there is a message to use the app for assistance but no message can be left and no live person answers the line. On XX/XX/XXXX I called Credit Karma to explain my issue and I was advised to dispute the charges so they can attempt to contact XXXX to resolve the issue. I was advised to click on the transaction itself and it will expand and from there I would need to click on the " Dispute '' button. however when I follow these instructions there is no dispute button. I was on the call for 1hour and 6 minutes. At the end of the call I was advised I would be contacted as the matter was being escalated. I received a confirmation of this on XX/XX/XXXX and was finally reached out to on XX/XX/XXXX. I gave this same recap of my issue and provided screen shots of the errors I received form XXXX as well as the Missing " Dispute '' button so far 2 weeks later it has yet to be resolved. the emails going back and forth on XXXX XXXX end are illogical. they repeat the instruction on how to dispute, advised how to add more funds to my XXXX XXXX account and on multiple occasions they have requested screen shots of the issues which I have provided on several occasions. To dat the dispute has not be filed. I asked for a call to talk this through and I was told they don't do outbound calls and provided a number to call. I called this number and it was an answering machine advising me to leave a message and I would get an email. I called the FDIC on a course of action I could take and was advised to find the backing bank this was on XX/XX/XXXX and I saw in my app the backing bank was XXXX XXXX. I called XXXX XXXX and advised them of my issue and they advised they have no records of any Credit Karama accounts as the routing number to this bank is XXXX but Credit Karma lists their Routing number as XXXX, the last 3 numbers are in a different order. I am confused if they are the backing bank and have no record of Credit Karma Accounts then why was I able to transfer money in/out of this account? When I asked for XXXX XXXX assistance on resolving this issue I was advised the their notes advise they reroute customers back to Credit Karma. In the attachments I have provided the emails that have been going back and forth since XXXX, the Credit Karma screen shots and instructions to file a dispute that I don't have access to do on my own and the screen shots of the errors I receive when trying to withdrawal my initial {$500.00} deposit, screen shot of the XXXX contact number I found that is not interactive.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This account is closed and should not be on my credit report
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. 

15 U.S.C 1681 section I602 A. States I have the right to privacy.

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

On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.
Product: Money transfer, virtual currency, or money service

I was unable to access my account on the morning of XX/XX/XXXX as the market was tanking. This event re. Coinbase was widely reported across major financial media on that day and in subsequent days. I also had trouble selling in the days after when prices recovered a bit and had no problem later on when prices went down. I also was unable to withdraw money on that day and in later days. Numerous slow emails back and forth to their " support '' were not terribly fruitful and I did file a formal complaint. Their " formal complaint '' process dragged on for the last almost two months and I did receive an email from their Chief Complaint Officer or something like that admitting some measure of fault and offered me ( and indeed sent to my account before I replied and/or accepted their offer ) a whopping XXXX BTC which was about {$300.00} ( seems to be depreciating these day ). I didn't feel like this was commensurate with my loss of about XXXX ( and that is not counting the approximately XXXX in fees ) so am now engaging in the required arbitration proceess which I unknowingly agreed to when I signed up for an account. Their sign-up process is an interesting aside- very quick you just click a box - all in the interest of easy onboarding. And why did I sign up with fee-hungry Coinbase in the first place? Well, I thought this sort of thing only happened on free apps like XXXX ( and I wouldn't go near XXXX for obvious reasons ) and that I would be able to access my account at all times, and particularly in times of market volatility which are a feature, not bug of the crypto market. I have all that I am saying documented with screenshots ( account balance before/after, error messages, tweets from their Chief Product guy and support on XX/XX/XXXX itself- the comments and replies to those tweets are instructive and reveal many disgruntled customers ). Another side issue is that I, as an non-accredited investor, was able to invest unlimited amounts up to XXXX per day- great for the Coinbase business model but I admittedly have no business doing that. In that quick onboarding, they ask nothing about income, net worth, etc- which is standard for literally every other type of investment but not in crypto- which arguably should have greater or at least some guardrails. 
Also, if you have never used Coinbase you should experiment with a small amount- the sort of slot machine/casino-ification of their product design is quite remarkable and 100 % intentional.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlightIng significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Cell failed to investigate my claims adequately. They informed me that recovering these funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but also so loud repeat offenders to exploit the system leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concern about consumer safety.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a checking account opened by my mother in XXXX  and I was authorized user, this credit union has changed names and or closed and they have reported this account which we closed as a charge off with XXXX $ balance. this is reported incorrectly and there is zero balance and nothing is owed and should not be a charge off. I have tried to correct this through experian and the bank
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am composing this letter to request detailed information regarding a dispute that I initiated on XX/XX/2024 AND XX/XX/2024, and the subsequent response that I received on XX/XX/2024 AND XX/XX/2024 via CFPB Complaint Portal. PLEASE SEE ATTACHED DOCUMENTS
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX have caused undue harm to my financial reputation and stability.