23daVinci/CFPB_Complaints huggingface dataset:
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. I told the Experian, XXXX, investigate these accounts : XXXX XXXX XXXX Account Number:XXXX, has never been provided to me and, XXXX XXXX XXXX Account number : XXXX, full account number has never been provided me despite written request for both. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 an 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.

I Certified Mailed a request for VALIDATION to both creditors, which they completely ignored. I submitted a dispute with Experian and XXXX. No Validation has been provided to me.
Product: Checking or savings account

My mother set up a Discover Bank account to save money for my daughter. When my mother passed we transferred that account to me to manage. Before the pandemic I had an automatic transfer setup to deposit money on a monthly basis to keep it growing. When the pandemic hit, we stopped depositing money, and only checked the account around tax time to see how much interest was added. I am filling out some paperwork today and needed to check on the savings total, but was locked out of my online account. After calling Discover and regaining access to my account, I scrolled down through the transactions and saw that there were XXXX fraudulent transfers out of my account. All were transferred out using XXXX. 

XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$580.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX I also noticed that my email address was changed to XXXX At this point I called DiscoverBank.com and reported the fraud on XXXX, XX/XX/XXXX. But because the fraudulent transactions occurred more than 120 days ago, they could not do anything to reimburse me. They suggested I contact XXXX, so I did ( XXXX ), and was told that it wasn't their problem, that it had to do with Discover 's policies. So I called Discover back and they confirmed that because it had occurred more than 120 days ago, they could do nothing to reimburse me. I asked how someone was able to change my email address without anything alerting me and they said that " our system clearly noted something had happened because it stopped any future transfers of funds beyond the XX/XX/XXXX transaction, and suspended online access to your account. '' I was not notified by phone or email or mail that access to my account had been suspended. If I hadn't been doing paperwork today and needed to check the balance, I would not have noticed until tax time. 

There is no recourse for me to get any of this money back. Money that my retired parents ( XXXX passed 7 years ago ) helped build up over 10 years. My XXXX researched XXXX companies before landing on Discover to create this savings account. She put her faith in them to help us build a nest egg for our daughter. And because I wasn't checking the account every month ( why would I since nothing was going in, I ASSUMED nothing was going out ), and because of some random number of days they have assigned to their policy... it's not their problem. Shame on me for being a working class Mom with more than enough stuff on her plate to pay attention to than to keep an eye out for someone sucking our daughter 's savings dry. 

Discover should be ashamed of themselves. 

I made a formal complaint, but expect to hear nothing back. I have closed our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items ( Bankruptcy ) on my credit report. It has been over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion..sadly a scam. They never post a drop in debt to income and the report rarely changes because it is NOT REAL TIME. FURTHERMORE unauthorized used hit my credit dropping the score. I can not shop without getting a lower score. This is by all facts and hundreds of reports a fraudulent system. I submit my score only to he told it's XXXX or XXXX points lower band then I'm told they use the credit bureau score. If so how can their score be lower. Because they use their own algarithims and credit reporting suppliers. Giant scam.example today... paid debt but score dropped XXXX XXXX Learn more XXXX Data XX/XX/2022 XXXX Fair XXXX See all 3 Bureau XXXX Scores Credit Usage 89 % Total Debt {$160000.00} Open
Product: Debt collection

This is a fraudulent account and not owned by me. I have reported this with Amsher and XXXX but the rep I spoke to was a complete nasty person who did nothing but didn't help at all. This account was not opened by me. I've been using XXXX for a long time now. And why would I have a XXXX balance on a phone bill as a single person? This account is not mine and needs to be removed from my credit right away. This back and forth with them has been going on for way to long and I can no longer deal with their incompetence.
Product: Checking or savings account

My card was fraudulently used at XXXX XXXX for {$2500.00} and I reported it to Chase bank on the same day and they denied my claim saying I need to send in proof. When I ask what proof they are saying they cant tell me that. I alerted them on the same day that I discovered the charges. The transaction took place on XXXX XXXX at XXXX XXXX in XXXX XXXX, New York
Product: Debt collection

Reaching out to me and my family saying I owe medical debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und 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 consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

Since at least XX/XX/XXXX my account has been locked to usage and I have been unable to get them to unlock my account by the numerous calls and messages I have sent them. They keep forwarding me to call centers outside of the United States and no one seems to understand the English language! 

I have had this account open since XXXX and have had NO issues until recently with is bank and I have had about had it with Citi bank ; I am at my breaking point. They tell me mixed messages about how to go about getting my account unlocked including calling their account security team or that I would receieve a letter in the mail with instructions and a code to get it unlocked to which I have NOT receviced and when I call they keep telling me to wait! 

It is going into XXXX already and this is completely unacceptable customer service provided to a XXXX year old woman who had remained loyal to this bank for FIFTY THREE years!
Product: Debt collection

I checked my credit report recently and noticed a debt collector had posted a negative comment in XX/XX/2022. However, they made no attempts to contact me and negatively affected my credit score for 2 of 3 agencies. The fact that they did not contact me is my issue and they should now pay me double what they claim I owe as compensation. Further, two debt collection agencies have previously contacted me for the same supposed debt. I requested supporting documentation such as a signed contract or similar to show I owe the debt. Neither could produce any documentation and ceased their claim. Zion has used malicious, illegal, and libeling tactics and should be prevented from practicing as a collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect addresses listed on my credit report. Upon reviewing my report, I have found that there are addresses listed that I have never lived at. These addresses are inaccurate and should not be attached to my credit file. As a result, I am requesting the removal of these incorrect addresses, as well as the removal of any information or accounts associated with these addresses. 

The addresses in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at these locations, and I believe that they have been mistakenly linked to my credit history. As such, I request that not only the addresses be removed but also any and all accounts or information attached to them be fully removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information on my credit report. The presence of incorrect addresses and any associated information violates the requirement for accurate reporting and could unfairly impact my creditworthiness. 

I request that you investigate this issue and promptly remove these incorrect addresses and any related information or accounts from my credit file. Please confirm in writing that these addresses and any associated accounts have been removed. 

If this matter is not resolved within a reasonable time frame, I will consider escalating it through the appropriate channels, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Inquiry XXXX XXXX XXXX XXXX This inquiry was not approved or acknowledged by me. Transunion has failed to remove incorrect information on my credit file. I want this incorrect information removed immediately in compliance with the fair credit act.
Product: Credit card or prepaid card

The account in question is XXXX/XXXX Account # XXXX the issue at hand is a late in XX/XX/2020, I was unable to make the payment due to Co-vid. When I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND REQUEST I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Product: Bank account or service

I am from the XXXX, and had a savings account in the US with HSBC. I closed the account last XXXX, but only received the cheque for the balance in XXXX this year. It was impossible to contact the bank. It was impossible to get through their automated phone system, as I do not have the items of ID requested ( as I am not a US citizen ). I emailed them, wrote letters and phoned on numerous occasions before finally getting my money 7 months later. No apology, no explanation, and seemingly no reason for the ridiculously long wait for my money. It has been the most frustrating experience, and with no way of contacting anyone of import at the bank itself, I want the world to know how horrendous and incompetent they have been with sorting out this situation. If I could find the name of the chief exec of HSBC America, I would have just written to them, but this seems impossible too, so, I have resorted to this! I would not recommend using this bank to anyone! The levels of frustration - and indeed anger - is incredible, especially as it all seems avoidable. I would love to have an apology from the bank, if not some form or compensation - as I missed 7 months worth of interest on the money they still had ( over {$3000.00} ).
Product: Credit card or prepaid card

Bank of America WONT STOP MAILING ME PROMO OFFERS!! 

I have called and gone online to opt out and they wont LEAVE ME ALONE!! 

Please get them to stop!
Product: Credit card or prepaid card

Chase dropped my credit limits on XX/XX/XXXX, on one of the cards they dropped my limit from {$18000.00} to {$2700.00}. At this time, I kept a balance of {$1700.00} which would have been less than 10 % usage. The other changes were from {$10000.00} to {$2500.00} and {$4200.00}. 

Despite having kept an excellent credit history by paying off more than the minimum due and being responsible about my credit use, Chase still decided to reduce my credit limits by these amounts which significantly affected my credit report. My usage went from 10 % to 50 % or more on these cards. I even accidentally maxed out one card paying for online courses because I had not been aware of the decrease. When I asked to have my original limit restored they said they'd have to pull a credit report to begin the process which seems very convenient for them. I explained that my credit took a hit because of their limit decrease so my credit report would be weaker as a result. Its no coincidence that they dropped them by this much because this essentially prevents me from being able to justify a higher credit limit. 

On top of the strategic manipulation of my spending power, the reasons for why they took this action in the first place are lies. They said that I had a high balance - I do not. They said that they might have gotten wrong or outdated information from the Credit Bureaus, that's also not true. 

I have been a long time customer of Chase and am very disappointed to be experiencing this. I'm essentially getting penalized for having a low balance and maintaining my credit. I would like my credit limits restored or close to what they were originally. Additionally, I've paid all my balances in full so there should be 0 excuses about my balances in the future.
Product: Debt collection

On XX/XX/19 the collection agency ( XXXX XXXX XXXX PH : XXXX ) contacted both of my daughters and the general manager at my place of employment XXXX XXXX who is in senior management at my place of employment contacted me to tell me he received a call. This puts my job in jeopardy and is extremely embarrassing. 

I contacted the collection agency on XX/XX/19 and talked to XXXX. He told me the original company was filing a judgement againast me for {$2200.00}. However, if I paid {$510.00} that it would be free. They refused to send anything in writing first. I was transferred to someone else and was told they do not send anything in writing but I would get a payoff after payment was made. I do not believe this. THEY NEED TO QUIT CALLING MY FAMILY AND MY PLACE OF EMPLOYMENT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : # XXXX account # : XXXX Experian account # XXXX XXXX account XXXX XXXX I have requested that the information on the reports be updated, however they refuse. Under 15 USC 1666B - This is a billing error, account always paid as agreed and on time. This is an error and account is violation. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXX TransUnion, and XXXX because they are not complying with their own policies in a timely manner. I sent my dispute letters to them over 30 days ago and I have not received a response from XXXX, TransUnion, and XXXX. The inaccurate marks on my credit report are hindering me from buying a home and I am not getting any assistance in fixing inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all 3 bureaus and during dispute process with Equifax XXXX XXXX then corrected the info by sending response that the XXXX/2022 payment was not late so 30 days late status was deleted. I then contacted XXXX XXXX  again due to it was corrected on Equifax but not on XXXX XXXX XXXX. 
They proceeded with another investigation and still did not change the XXXX & XXXX status but proceeded to go back to my Equifax report & reported another 30days late status for the same date of XXXX/2022 that they had previously investigated & corrected!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for their mishandling of my credit report, specifically concerning a fraudulent account from XXXX XXXX XXXX XXXX. 

On [ initial date of discovery ], I discovered a fraudulent account from XXXX XXXX XXXX XXXX listed on my Experian credit report. I promptly disputed this account, and after a thorough investigation, Experian deleted the erroneous information from my report. 

However, to my dismay, this same fraudulent account was reinserted into my credit report without any proper notification or explanation from Experian. As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), if information previously deleted is reinserted, the consumer reporting agency must notify the consumer within five business days. Experian failed to provide me with such notification, thereby violating my rights under the FCRA. 

This re-insertion of incorrect information has caused significant distress and potential damage to my credit standing, impacting my ability to secure credit and financial services. Experian 's lack of compliance with the FCRA 's requirements is unacceptable and must be addressed promptly. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that Experian : Immediately removes the fraudulent XXXX XXXX XXXX XXXX account from my credit report. 
Provides a detailed explanation and documentation of their reinvestigation process and the reasons for the reinsertion of the fraudulent account. 
Adheres to all FCRA requirements to ensure such violations do not occur in the future. 
I have attached copies of all relevant correspondence, including my initial dispute, Experians response confirming the deletion of the account, and evidence of the accounts reinsertion without proper notification. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to hold Experian accountable for their non-compliance and to protect consumers ' rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also speak to my lawyer and file a lawsuit!
Product: Money transfer, virtual currency, or money service

Coinbase claims to have a Send feature which allows consumers to send crypto funds as one would normally expect to another wallet, our own or someone else 's as a means of making payments. That button is missing from the Dashboard where they claim it should be. 

Coinbase support is not reachable by phone and worse attempting to navigate their phone tree ( or " tree '' there's one option - reporting an account breach ) - causes Coinbase to lock your account and keep your funds. I currently have {$1600.00} worth of crypto, {$1300.00} of which is XXXX, that they are not allowing me to send. 

Email support is worse than useless, they cut & paste claims that the button is there & I should refresh the browser. I have tried multiple browsers on XXXX & XXXX ; no such button exists. Coinbase is forcing consumers to sell assets through them with their fees in any hope of withdrawing funds. This has to be illegal, they are withholding an advertised send feature & gaming everything else to hold funds.