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

1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( B ) Extension of period to reinvestigate ( C ) Limitations on extension of period to reinvestigate ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general ( B ) Provision of other information ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general ( B ) Notice of determination ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

( 4 ) Consideration of consumer information ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, TX XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Creditor : XXXX Account # XXXX Creditor : XXXX XXXX Account # XXXX Creditor : XXXX XXXXXXXX Account # XXXX I keep immaculate records of payment history across all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you
Product: Debt collection

A new debt has been reported on my credit report that does not belong to me by a company named Commonwealth Financial Systems. The amount of the debt is {$1200.00} for a debt owed to XXXX XXXX. This is not my debt. I incurred these expenses in XXXX due to an emergency room visit for a worker 's compensation claim. This debt is the responsibility of my prior employer XXXX XXXX of Texas. I had health insurance at this time that would have covered the expense had it not been a worker 's comp claim. My health insurance was not taken by the hospital for this reason. This debt was previously owned by a different 3rd party collection agency, XXXX XXXX who also reported this debt on my credit. I submitted a claim to CFPB in XX/XX/XXXX and XXXX XXXX removed the debt from my credit report and closed the account however it appears the debt has now been sold to a new company who is reporting the debt again. I am not responsible for this debt and it should not be reported on my credit.
Product: Prepaid card

They denied my claim for XXXX different reason and they allowed money to be taken out my account XXXX the person who stole my card was caught with my card and items and is in XXXX .. bank of America prepaid is wrong for denying my claim first day of the night my claim and said that it was made after I submitted the claim then they denied my claim and said that I was either the person that made the charges or I knew the person that made the charges then they sent me another denial of my claim telling me that again that the claim was tonight because there was charges that came through after the claim was submitted and I explained to them that it was a bill pay that had came through and that I was the person that made the bill pay so they said that they would be able to use that to deny my claim they also told me that I would also have to submit my next request for my claim to be reviewed via mail that I could not call in and ask them to review my claim I asked him did they do any of the research that they needed to do like look at the video cameras or contact the sheriff that gave me the police report they told me that no they didn't have to do anything that they're denying it and that there's nothing that I can do about it the person I spoke to there her name was XXXX and this is for her she said that she's not going to honor my claim
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. Please remove these inquiry immediately. XXXX XXXX PULL ON XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX PULLED ON XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX PULLED ON XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX PULLED ON XX/XX/XXXX
Product: Consumer Loan

My name is XXXX XXXX, lease account # XXXX About 3 years ago we decided to lease the XXXX XXXX. 
It was our XXXX time lease experience and we were very excited to get new top of the line vehicle with features by far exceeded top of the line vehicles on the market. During the lease period we NEVER had any issues with the vehicle and my mostly my wife used it for short commute with our small kids. 
After ~ 25 month lease I replaced XXXX tires and brakes, due to moderate wear in order to keep vehicle in the safe shape. 

According to XXXX recommendation vehicle was tested a week before lease return and inspector found XXXX scratches of XXXX '' each and missing 2nd key. Second key was at home and before returning vehicle to XXXX dealer ( XXXX, VA ) I found a detailing service and performed full car detailing. Once I return it to the dealer- dealer told me that car in very good to excellent condition. 

However, once I received your final bill- I was shocked .... 
1 ) You charge me for key that is not missing ( XXXX from lease return group validated it with dealer ) 2 ) Please open the scratch images ( you should have them ) and justify why it should cost me {$450.00} 3 ) Why you charge x10 than it 's in the bill for parking violation - see attached bill 4 ) Why you charge ~ {$150.00} more for property tax 5 ) Why you obligate me to purchase vehicle by charging {$400.00}, is it US consumer rules acceptable????
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 XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

This complaint is addressed to Equifax Credit Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number : XXXX, dated XX/XX/2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). Not ever receiving a credit report, Equifax denied online access for full report. Through an online free credit site, XXXX, report states XXXX as ( Collections ), updated XX/XX/2016. As to date, it has not been deleted. Equifax is the last of XXXX agencies to adhere to request by XXXX. 
If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C. s 1681. Thank you for your cooperation in this matter.
Product: Credit card or prepaid card

on XX/XX/2022, I called US bank to verify my credit card because I switched a new cell phone yesterday and I have trouble adding the credit card to App pay. it said I need to call the bank to verity this card. so I did call this morning. However, what is disappointed is that I was keeping transferred to a different departments with long waiting, during which time one of the representative even told me this is not their job. I said it is exactly instructed, then she transferred me again. Just like this, the whole process took me 45 min and nothing solved. finally I need to hang up. it is like they have no idea what they should do. 
what is even more, this was not the first time I had trouble with their services. last time my card was stolen and there are a few charges that were not authorized. I called and told the representative the situation while she asked me 3 times like this : '' are they really not your own charges? '' wow I have really nothing to say. so what she was thinking?? I used my own card a called them someone stole it? The services in the US bank are really in bad quality and there is something seriously wrong with their attitude.
Product: Debt collection

On the date of XXXX/XXXX/XXXX I had transmission work done on my XXXX XXXX truck by XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, independently owned XXXX XXXX. My total cost of the repair was {$3700.00}, I paid {$1200.00} down, which me a balance of {$2500.00} The owner told me about this company called XXXX XXXX and if I could pay them off in 90 days I would not be charged any interest, he told me the interest was high but failed to mention it would be 152 %. I never got a written statement disclosing the finance charges, the next thing I knew they took a payment from my account without my consent. They send me an email right when they where taking my money. 
Company name is XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX I was told by my legal representative to contact you concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The previous address listed on my credit report is incorrect and I have never lived there.
Product: Debt collection

After repeated attempts by myself and my attorney to negotiate a monthly payment plan, I was told they wanted the full amount and nothing less. In my situation, of being XXXX and retired, I am on a fixed income and could not afford what they were asking. I am very familiar with their practices by being a formal law enforcement officer. I will not go into further detail on that subject. To conclude, I was always willing to pay this debt, but was told time and time again that a monthly payment plan was out of the question.
Product: Credit card or prepaid card

I have a credit card account ( Best buy VISA credit card ) under Citi bank. 
I have multiple charges ( 5 ) of exactly {$100.00} each by XXXX XXXX XXXX and XXXX XXXX. I also have 3 separate charges of {$75.00} by XXXX XXXX. All of these charges were within days of each other. 
I am sure my credit card information was stolen at a gas station and I have reported my card stolen as soon as I saw these charges on my statement and was issued a new card. 
However, the credit card company recently told me that these charges were deemed to be not fraud and my credit card charge dispute attempt was denied for all of these charges. Now, I am stuck with {$720.00} worth of credit card charges that I never authorized. 
To me, this dispute seemed straightforward but the credit card company did not agree. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card or prepaid card

I purchased treatment packages on three separate occasions from the XXXX XXXX XXXX XXXX XXXX location off of XXXX XXXX ( which is no longer open ) in the past two years. I pay my bill every month, on time, sometimes early, and sometimes more than the minimum. I had received notifications of finance charges upwards of {$700.00} and {$800.00} previously and did not think it was odd because I knew the APR was around 26 % or 29 % so I assumed charges would be around that at the end of each year. I was just charged an additional {$1600.00} on XX/XX/18 because XXXX XXXX ( who the financing went through ) and XXXX XXXX claim that the purchase cost of my package was only good for 24 months. This was never told to me, on THREE SEPARATE OCCASIONS. I was never told that I needed to pay the full $ 2500- {$4000.00} within a 24-month period. For many reasons, this whole situation is wrong. They were never transparent about the 24-month deferment period, they never explained that the promotional pricing is only valid until the  plan " expires '', and they never explained that I would be charged the full remainder of their version of the plan if the promotional amount wasn't paid in full by the end of the 24-month period. I cited my income on my initial application and there is no way anyone of that income level can pay off these amounts in 24 months. XXXX XXXX and XXXX XXXX know this and yet they approve huge credit lines, above what is necessary so they can charge these crazy interest fees. XXXX XXXX   rep XXXX simply apologized that it was never explained to me but said there was nothing they could do. To charge a 29 % APR and not tell someone the price they agree to pay would expire in 24-months is complete lack of transparency and I'll go a step further and say that this is also false advertising. XXXX XXXX plays commercials on the radio stations all the time that falsely state certain packages are free or specially priced and when you go into the office to purchase them, they give you this big schpiel about how lucky you are that you came in during this time for special pricing on all areas. They never once, in THREE separate purchasing occasions ( in that office specifically ) explained or told me the plan would expire after 24-months then I'd have to pay an insane amount of interest accrued according to them over those same 24 months. This is robbery. First they charge you for the service, then don't tell you those charges expire, and instead you end up paying thousands of dollars on top of the service. They should only be charging for the service and nothing else. Also XXXX XXXX, out of nowhere, last year, closed my account without notifying me or giving any explanation. The only way I knew was because I check my credit report regularly and saw that the account was closed without my knowledge. XXXX is wrong in this situation and so is XXXX XXXX. They are pulling a huge scheme and just keeping good people that pay their bills in debt. Please help sort this out and hold these terrible businesses accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

the company is XXXX in that they only focused on the name of the receiver and not his bank and money they are also harsh and understanding
Product: Debt collection

Have sent out 4 letters of disputes ( 2 different times for 2 different accounts ) to collection company IQ DATA, neither response letter from them was responded to within the 30 days they're required by law, they also did not include information requested. Such as origin creditor documentation, sworn affidavit, valid contractual obligation with signatures, documentation from creditor to authorize them to collect said debts, proof that the are allowed to collect debt in this state, copy of business license, bond with bond stamp, no paper work with signatures or copy of original contract. Also called and asked them to please remove said debt from collections and they said they're legal team was within in their rights and do not have to send the requested information desired in the letter of dispute. They're is no proof that I owe this alleged debt so I request that they remove from collections and dismissed the account. I have certified letters, receipts showing my letters of diputes, and time stamped mail from collections agency showing they did not respond within the 30 days.Thank you for your time, XXXX XXXX. XXXX. XXXX. I also have more documentation showing the information they did send me, the certified letter I sent with date and times, the envelopes with dates showing they did not respond within the 30 days by law. Again there not the copies of original contracts shown for XXXX XXXX, just XXXX page with a signature, nit the XXXX pages we had to sign and initial. And zero copies of contract or signatures for XXXX XXXX XXXX XXXX. All documents that IQ DATA sent as a response are included in the file attachments.
Product: Checking or savings account

I made a large deposit by check to my business account ( dba ) from a familiar bank. The teller advised that the " system '' was placing a hold for 2 days on the check, however the funds were not released as expected. Upon calling the bank multiple times to request release of the hold, I was provided with intentional misrepresentations by the CSR. These were the reasons given to me : 1. The issuing bank didn't participate in 3rd party verification, 2. The funds weren't available from the issuing bank, 3. There is a systematic hold for the check lasting an additional 7 days, and finally 4. The issuing bank didn't " fully verify '' the check although the issuing bank stated the check should clear anytime now ; therefore, the hold will continue until the expected date of XX/XX/XXXX. I asked for corporate numbers to file a complaint, spoke with different departments in an effort to be transparent and assist in clarifying whatever issue there was in regards to the originality of the large deposit. However, the bank didn't provide corporate number or a reasonable explanation for the extended hold on my funds. I asked to close my accounts and was told I couldn't do that until the check clears. However, in previous similar situations with this same bank for smaller check deposits, the local branch has told me that given the " amount '' in the account at the time, the bank would be issuing me a check and sending it to the mailing address on file!!! I expect to receive the same response from the bank when I once again attempt to close my account.
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/XXXX I opened my Coinbase account and bought {$1000.00} of XXXX and {$1000.00} of Ethereum with money transferred from my XXXX XXXX XXXX account online. 

The XXXX was n't available to trade for well over 2 weeks, and of course with several attempts to inquire ... no one was available to answer me. 

XXXX XXXX, XXXX I tried to sell my bitcoin at a posted price of {$19000.00} but their system was down. There was nothing I could do but watch my money disappear as the value steadily dropped. I tried several times to log in but the system was down all day. Now it says my account is locked. I ca n't get into my account and access my money and I have tried to call them hundreds of times. I found phone numbers off of the local phone listings, their own customer service number, their main switchboard, as well as dialing random extensions within the company. I sent emails to their support email, contacted them through their customer support twitter, I sent messages to many people at Coinbase through their linked in accounts. Nobody, and I mean NOBODY is responding to address the issue. And I know there are XXXX 's in the same boat. 

They are an exchange built to process transactions but their system is not able to handle it and they are unwilling to address the issues while locking people out of their money and not accountable. They should be fined if not banned. Lawyers, regulators, and politicians should be all over them. They are VERY DANGEROUS and a SIGNIFICANT LIABILITY! If XXXX XXXX randomly didnt let people access their accounts for weeks and didnt answer ANY customers.there would be a national uproar. This is on that scale!! How many people are involved and how much money is involved in bitcoin and through Coinbase??? This is massive and must be addressed immediately! 

And out of all the calls made and people contacted on various platforms, NO ONE answered or returned my calls/messages. 

Please : 1 ) Read comments on @ Coinbase and @ Coinbasesupport on XXXX XXXX ) Read comments on Coinbase and Coinbase Support on XXXX