23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Coinbase transaction placed and was promised on XXXX XXXX XXXX. Bank checking account was charged the transaction amount and fee. Funds were to be available XXXX XXXX XXXX inside of coinbase. Money is still out of my account and the purchase is still not in my wallet. I filed 2 support tickets under two different categories over the last month. XXXX response from company. I have all documents to support this claim and will provide as needed. 
I have tried to contact customer support but the phone system does not handle financial issues that are sensitive. Support tickets have received zero response. I have reached out to all moderators on their reddit page, also no response. 

XXXX XXXX - {$1000.00} removed from my account. 
XXXX XXXX - Estimated delivery date of purchase to Coinbase. 
XXXX XXXX - Unrelated to dispute I receive an annual e mail from Coinbase in regards to privacy contract and dispute resolution. 
XXXX XXXX - Based off information in Coinbase email I run a report that shows this transaction as COMPLETED. Which it is not. 
XXXX XXXX - Support tickets filed and every available alternative to contact exhausted. Was told multiple support tickets by the same person would slow down their response. 
XXXX XXXX XXXX - Still no contact in regards to dispute. No support ticket showing up in my cases under my support settings inside of XXXX. 
Still says pending inside of coinbase. 
Please advise on what approach would be best.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim, her information was used to open an account with XXXX XXXX without her consent. A dispute of this account was mailed to XXXX XXXX XXXX/XXXX/XXXX however as of this date nothing was received from XXXX to confirm the account was closed as being fraud related. This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Im new with this credit thing I dont know how it really works so I dont try doing anything but yesterday my girlfriend wanted to see if I had credit because I never talk about it so she pretended to get on my app and told me that I have have over 15 inquiries in didnt know what that was but she explained and after she explained she found a address on my account and it is my ex-girlfriend address and her number is on there so I tried calling XXXX the number kep going to voicemail I just wanted to let them know that none of those enquirers came from me and I wanted to tell them that I was trying to lock my account but for some reason I keep getting a email saying that I unlocked it when I wasnt on it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX I mailed a certified letters to XXXX XXXX demanding them to verify accounts by providing ME a signed copy of the original contract of the following accounts or remove them immediately. 
XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. 
Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it XXXX which have not been provided to me. Under the FCRA, if you can not provide me proof of this information, this must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to Experian, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have one late payment on an account that I was never late for. In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 

Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy, however, they are violating 15 USC 1681 Section 604A section 2 which states a consumer reporting agency can not furnish an account without my written instruction. I have never been late on payments for the account that i have included screenshot inside this complain in on dates of XX/XX/22. 

Please investigate and provide Proof with statements showing that these payments were late and the proof of my written consent to consumer reporting agency to furnish negative items on my XXXX XXXX account. 
If proof can't be provided, I demand these payments be updated to Paid on Time as they should be. In accordance with 15 USC 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

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX IS XXXX- has violated my rights XXXX XXXX XXXX XXXX- has violated my rights XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Student loan

In XX/XX/2012 I was encouraged to consolidate my student loans after finished grad school. I had approx $ 40k in XXXX loans and over $ 250k in XXXX loans. I was told consolidating would be cheaper and more affordable payments. I did this and was given a loan through Sallie Mae, which is now served my Navient. I was not thoroughly educated on the interest rate or long implications of consolidation. At the time, my XXXX loans had a fairly low interest rate and payment of around $ 300/month. Perfectly manageable. My consolidation was $ XXXX and interest was set at nearly 8 %. I was making $ XXXX out of grand school. Standard payments on this would have been more than my salary. With the income driven repayment plan I now pay around $ 420/mo. My total loan balance has increased to over $ 450k in the 7 years Ive had the loan. The company has refused efforts made toward lowering the interest rate and with this gigantic balance I cant even afford payments if I tried to refinance the total amount of the loan with another lender. My husband is XXXX XXXX military, so moving has also made it hard for me to advance my wages. They do not take this into account. Furthermore, I am a physical therapist so I work in public healthcare. I was not told that you can only work for nonprofit etc to qualify for certain forgiveness. This is completely unfair, as I am still providing the same needed services to my patients and live in a rural area. I have discussed bankruptcy with an attorney but was advised against it, as I was told they would not likely qualify. At this rate, I will owe nearly a million dollars by the time the loan is done. I will never make this kind of money. What loan companies are doing is fraudulent and needs to be stopped if theres any hope of Americas youth wanting to pursue graduate education
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$730.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit card or prepaid card

I have 3 JPMorgan Chase credit cards, all of which I pay on time. JPMorgan gave me a very high credit limit on each card. I have always paid them on time and all of the interest they charge. Right before I moved to XXXX, NY, Chase intentionally decreased my credit limits and caused cards to be near or over the balance for no reason at all. This caused by credit score to drop to a point where I can not get an apartment. They also would not let me use my card to make small political donations to the Democratic Party. I want them to fix their intentional misconduct that is preventing me from getting housing. They also won't refund a charge that was fraudulent and lie to me over the phone about it. JPMorgan also has a ton of fake student loan accounts. Take action against JPMorgan and demand they reverse their retaliatory conduct so I can get an apartment. I don't want to use their cards, but they need to fix the credit limit and adjust it to where it was so my credit score accurately reflects my credit worthiness rather than having it drop a ton and prevent me from getting housing.
Product: Credit card or prepaid card

Ok so I had had to file a complaint about unaccounted for money in regards to my deduction and additions pretty big difference and lucky im smart so I've got screen shot of transaction in one location in my bills and then hours later new ones that were previously days before that they swear had been " pending '' what they do is take it that day say its a hold then take it again so now that I've made it known gotten a lawyer and let them know every payday I have my card locked before I make my first transaction so I go to atm XXXX my time of course card doesn't work they have blocked it and I have to call and unlock card then halftime I call about this or missing money situation they laugh at me and have me hold for hours transfer me back to first deep after numerous complaints XXXX just to be hung up on bank of america has successfully between outright stealing my money and charging XXXX dollar outside network adnthe XXXX per atm and debit transactions eat up at least XXXX XXXX dollars monthly maybe upward of XXXX this misconduct and mismanagement of my money has cost my credit score severely and made me unable to pay creditors borrowed extensively from friends and family lost car XXXX my dog run off and my ole lady
Product: Debt collection

Moved out of state and credit card was stolen. Didnt know it was stolen until collection agency contacted me. I told them it was stolen and they threatened me with legal action so I paid {$50.00} because I was afraid not to. This debt is increasing from the original {$400.00} stolen to its current amount on my credit report for {$1000.00}.
Product: Checking or savings account

I received a email from Capital One bank on XX/XX/year>. The email stated the company would be closing my account due to suspicious activity and ending the business relationship. I have been with capital one 8 years, I never once received a email stating they would be closing my account due to these matters. I have not committed any fraudulent charges or actions on my account. I went to the branch and called the customer service line and they were unable to provide me a reason. I tried to withdraw my money and was told I can not I would be mailed the money once the investigation is complete. I have a total of {$1000.00}, I can not get this money out and this is my rent and payment from my employer. My livelihood has been affected and Im facing eviction due to this situation. Im a XXXX XXXX who lives paycheck to paycheck. I need an answer as to why can I withdraw my money to pay my bills to avoid being evicted or able to take care of daily expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had mortgage XXXX with Mr Cooper ( formerly NationStar ) and we closed it two months back. Now we are trying to get a home but our credit reports still show that loan as open and it is preventing us from getting a new loan. 
We called them to address the problem but instead of fixing right there, they offered us to send an e-mail to one of their departments. We also sent a message to their support team, but we are still to hear from them. 

We appreciate any help you can bring about this issue. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

I purchased a treadmill from XXXX XXXX XXXX on XX/XX/2020. The cost of the item was XXXX. When I received the treadmill it was damaged. I tried to return it and reported the issue the first day it arrived. On the website the company lists that there is a 30 day guarantee return policy. I attempted to return the product for an entire year and for some reason my return was never accepted and even when I disputed the transaction I lost the dispute. When I asked why, I was told by my bank that the information about the 30 day return policy was a new discovery but it was too late to dispute the purchase by the time it was discovered. Due to False Advertising and Poor Clerical Work I was robbed out of my money.
Product: Credit card or prepaid card

I disputed a transaction on my credit card that I did not make. It was a charge of {$150.00} for the merchant, XXXX XXXX. My bank, USAA, originally refunded the money while they did their investigation into the purchase. They got back to me on XX/XX/XXXX stating that they were not going to refund my money and I was responsible for the charge of {$150.00}, so they reversed the charge on my account. 
I have contacted them on multiple occasions regarding this issue just to receive the same letter over and over stating that Im responsible for the charges. 
I contacted the merchant as well as XXXX and both of them sent me proof that my money had been refunded ( see attached documents ). I sent these documents to my bank, but it was to no avail. They sent me the same document stating I am responsible for the charges. My last letter to them was sent on XX/XX/XXXX to which they have not replied. The last letter I received from them was XX/XX/XXXX where they sent the exact same letter as before ( Im responsible for the payments ). They never addressed the evidence I sent them proving that the merchant and XXXX have refunded my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested my accounts be verified with the 3 credit bureaus ( XXXX, XXXX and Experian ), and I have not gotten a response of any investigation. It has now been almost 2 months. With 2 sets of letters that went out a month apart. After the letters were received by one of the bureaus my credit card was reported with high utilization and being late which is false and my score dropped XXXX points. This is a violation of privacy and a violation of the FCRA Laws. It is really causing me a great deal of stress. I have a special needs child that I can barely take care of because I can not get the extra funding to provide for her. I've had knee XXXX and lower back XXXX and I am in pain. I don't have a car anymore because I can't afford it due to lack of funds from lost wages. I can't get a loan to help with any issues pertaining to my medical condition or my child condition. The actions of these bureaus are ruining my life and when I did try to dispute and described the inaccuracies plus the inconsistencies, I was slandered. XXXX really did me worst then the other two bureaus. My accounts were updated by all the bureaus without any investigation carried out and from what I've recently learned from the FCRA laws this is unlawful and definitely unethical practice. I keep track of every letter and every phone call because I know and they know that this isn't right. I called XXXX and the representative told me that the accounts will be removed. Early that week my score dropped XXXX and after that call which was the next day my score dropped XXXX more points. I've disputed addresses that were not mine and XXXX is the only ones that actually took the addresses off. This is a violation of : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of The Fair Credit Reporting Act ; and 4. Financial Injury In accordance with The Fair Credit Report Act My rights has been violated under : 15 U.S.C 1681 section 602 A. States I have a 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. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the legal right to request validation of any debt that is reported by a collection agencies. ( XXXX XXXX XXXX ) And ( XXXX XXXX XXXX ) have violated my right. I have not received any documentation verifying this debt, and as such, I formally request that you provide me with a copy of the original contract, evidence of the debt 's assignment to your agency, and a full payment history. If you are unable to provide this documentation to substantiate the debt, you are required to remove this collection accounts from my credit report, just like they did from XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has been contacted 7 times within the past year about inaccurate personal information on my credit file and to date ( XXXX XX/XX/XXXX ) they have still not fixed this issue. Equifax was first contacted about my name being incorrect in XX/XX/XXXX, this inaccuracy was corrected directly over the phone. About 30 days later when I apply for a credit card XXXX names were then displayed on my credit file, XXXX of them I have never gone by, signed or even used as my name or alias. I've requested that EQUIFAX remove the other 2 names and they have refused each time even after I have supplied supporting documents ie., birth certificate, driver 's license and a copy of my passport which all have my full first, middle and last name displayed. I also attached a letter explaining that even though the documents I forwarded had all XXXX names displayed that I have never gone by those names and I only wanted my credit report to display my first and last name only. Equifax continues to ask me to resend the same XXXX documents and each time they receive them, they update my credit file to the opposite of what is currently displayed. If XXXX XXXX XXXX is what they see, they change it to XXXX XXXX XXXX and vice versa. They finally took my complaint seriously when I called today and they gave me a confirmation number # XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting an incorrect address on my credit report. On XX/XX/XXXX, I mailed a signed letter to Experian disputing the incorrect address and included a copy of my driver 's license and current utility bill. I have never lived at the XXXX address. The XXXX address does not even exist. Experian responded with the following statement in Report # XXXX, dated XX/XX/XXXX : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you .... ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my concern pertaining to the recent lawsuit filed by the Consumer Financial Protection Bureau against Experian for failing to properly investigate consumer disputes. I filed complaints XXXX of 2023 and i haven't received any form of details as to results from the investigation. 

As a consumer who has experienced issues with Experian handling of credit report errors, I am deeply troubled by the allegations that Experian conducted " sham investigations '' and failed to remove or reinsert errors on credit reports which they have violated 15 USC 1681 ( i ).

The accuracy of credit reports is crucial for consumers ' access to credit, employment, and housing and primarily mode of living. When consumers like myself dispute errors on their credit reports, we expect a thorough and fair investigation. However, the CFPB 's lawsuit suggests that Experian 's procedures are inadequate and do not comply with the Fair Credit Reporting Act. This has serious implications for consumers who rely on accurate credit reports to make important financial decisions. 

I urge the CFPB to take strong action to ensure that Experian and other credit reporting agencies adhere to the FCRA and conduct proper investigations of consumer disputes. Consumers deserve transparency, accuracy, and fairness in the handling of their credit information. 

Thank you for your attention to this matter. I look forward to seeing improvements in the way credit reporting agencies handle consumer disputes. 

Sincerely, XXXX XXXX