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

i have been charged by discover for personal services THE SAME DATES AND TIMES IN TWO DIFFERENT COUNTRIES They ignore this fact every time we correspond. 

The dispute was found in their favor but HOW CAN THIS POSSIBLY BE THE CASE THAT I AM EATING AT A RESTAURANT IN XXXX XXXX WHILE SUPPOSEDLY IN A HOSPITAL IN ANOTHER COUNTRY, XXXX ... .. 

I have for YEARS tried to resolve this with discover. They have a different person respond to every communication who is not familiar with the case. 

I also offered a settlement and their response was contact this number which I told them does not work from the XXXX XXXX where I reside. They still do not provide a number for me to reach the proper office from outside the US. When I call the regular number they refer me around for hours until I am disconnected. They are making it impossible for me to resolve this and they refuse to acknowlege or do not respond to the main issue in the case - how can they find in favor of the fraudulent chages stating I was receiving hospital care in XXXX, when I am using and charging and living with use of the Discover card in another country for the same dates? After years of this, I demand any negative reporting be erased and that they accept my offer to settle for XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I BEEN REACHING OUT TO THE COMPANY ABOUT THE WRONG INFORMATION ON MY CREDIT REPORT THEY NEVER SENT ANY MAIL WITH PROOF/ VERIFICATION THIS IS MY ACCOUNT. ALSO WHEN I CALL XXXX XXXX XXXX XXXX THEY TOLD ME TO CONTACT THE CREDIT BUREAU. THIS ACCOUNT IS NOT MIND AND CAN YOU PLEASE SHOW ME PROOF THIS IS ME. I WOULD LIKE TO SAY HOW I CAN I BE XXXX XXXX IN XXXX AND PURCHASE A CAR AT THE SAME TIME? I AM TRYING TO STRAIGHT MY LIFE UP AND THIS IS NOT RIGHT.
Product: Mortgage

The company did not pay property taxes, although we have an escrow account to make sure taxes are paid and paid on time. We we contacted them they paid some of it, but still left money to be pain which we ended up paying out of pocket. We have had several phone calls regarding this issue and it is still not resolved.
Product: Debt collection

UCC 1:308 expressly stated, and reserved all rights, privileges, and protections pertaining to this XXXX XXXX XXXX XXXX. Santander Consumer violates the Fair Debt Collection Practices Act, prohibiting illegal theft and/or repossession of motor vehicles. There have been multiple instances of fraud enacted, by this business entity. The entity made several increases to the loan percentage without notifying the consumer. The lending entity illegally reposed ( XX/XX/XXXX ) and sold ( XXXX XXXX ) the vehicle, yet it was listed as a tax charge- or write-off. 

The lender violated Texas Business and Commerce Code 9.612 requiring creditors to inform consumers ten days before selling a repossessed car. The lender further violated the Fair Debt Credit Collections Practices Act, by manipulating the consumer into believing he was required to pay the full balance remaining on a 7-year auto loan, to regain possession of the vehicle before the date of maturity. Per, Finance Code, Title 4 Subtitle B, Chapter 348, Subchapter A ; repossession enacts a 'debt cancellation agreement ', but this lender refuses to honor said laws governing this alleged debt. 

This balance harms my credit report, borrowing ability, and near or future business endeavors.
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  Account 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 card or prepaid card

I was paying off in full the amount due on Citi Costco credit Card.

At that moment the Citi Costco credit Card system gave me three options:1 ) to pay the minimal payment 2 ) to pay in full ; 3 ) or to pay another amount. I opted to pay in full! The Citi Costco credit Card system indicated the total amount that was expected to be paid for account to be considerer paid in full, I paid on XX/XX/2021 the amount of {$6000.00}. I made the payment to Citi before the due date, I have disputed the extra charge of {$66.00} with Citi Costco bank and indicated to them that at the point I was paying off that the full amount paid was the amount required to be paid in full payment now I am surprised you are charging me XXXX because they received the payment on XX/XX/2021 ... This is robbery!!! 
The contact information for a formal complaint should be sent to this address : Office of the President c/o Citicorp Credit Services , Inc. ( USA ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ID XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been information that I consider private information and I don't want shown on my consumer report and also I have some accounts that shouldn't be reported on my consumer report. They also broke some FCRA laws that I noticed.
Product: Debt collection

In XX/XX/XXXX, our office received a bill from XXXX XXXX XXXX for " business services '' in the amount of {$430.00} on an account I did not recognize. I called XXXX XXXX XXXX and was told this bill was for a broadband fiber optic installed on XX/XX/XXXX. This was the first bill although two years had gone by since the alleged installation. Our office never had fiber optic broadband installed so I initiated a billing dispute for which I have a tracking number. Later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX demanding payment on our " delinquent '' account. I called XXXX XXXX XXXX on XX/XX/XXXX, and was told the dispute was resolved and no payment was due. Subsequently, in XX/XX/XXXX we received a letter from XXXX XXXX demanding payment. We notified XXXX XXXX XXXX by letter to advise the collection agency that payment was not due. In XX/XX/XXXX, we received a letter from a different credit collection agency, Prince Parker, again demanding payment.
Product: Debt collection

This lender has called members of my family and friends in an attempt to contact me to collect a debt. This is illegal. I can not be reached by phone but can be reached via email and conventional postal delivery. Furthermore, they say that I have them listed as an " emergency contact '' so my friends and family immediately think something has happened to me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

XX/XX/2009 I start my cleaning business and all the utilities under the name of my late husband. I have this advertising at yellow pages phone book cost of {$2500.00} and it happens my late husband died on XX/XX/2009. Everything is falling apart in my end, those time and this bills from XXXX XXXX XXXX phone book almost 9 years tell now sent me this bills every month, amount {$2800.00} and reference numbers XXXX. Its really ruin my credit score I cant have a big loans cuz hurting my credit score. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that XXXX
Product: Credit reporting

Statutes of Limitations for the Bankruptcy record on my credit report. 
Dismissed XXXX XXXX/XXXX/2007 Case Number XXXX in addition if the employers XXXX XXXX and XXXX Broker be removed. 

Thx
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several time with the credit bureaus XXXX XXXX but have not received any results or response for my dispute. These accounts are reporting inaccurately & incorrectly in my credit report and should be investigated. I demand that they respond to my dispute & request for reinvestigation as they are in violation of the FCRA.
Product: Debt collection

I disputed an alleged account that Midland Credit Management , Inc ( MCM ) is reporting in my credit file. On XXXX/XXXX/2016, MCM sent a letter where the state that they were opening an investigation regarding my dispute. On XXXX/XXXX/2016, MCM sent a second letter requesting my assistance to verify the accuracy of the credit information being reported. MCM has not provided to me any account-level documentation, such as, a signed contract, purchase and payment history, computation of fees, interest, etc..On XXXX/XXXX/2016, MCM updated/verified the accuracy of the information to XXXX but did not submit any account-level documentation to support the accuracy of the information disputed in clear violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of disputes outcome, These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing,. I am requesting immediate corrective action to remove and amend the disputed account, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Credit card or prepaid card

On Wednesday XX/XX/2023 cash app withdrew XXXX out of my account in 3 separate transactions through XXXX that I have already paid for and will provide the proper documentation of. What I do not have on my account is the withdrawal they made the day of XX/XX/2023. I do have statements of XXXX getting deposited and then XXXX getting sent back to the account that sent it due to fraudulent charger made that day. Im in needs of a refund of my XXXX cash app charged me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025, I discovered that unauthorized transactions had taken place on my Coinbase account, resulting in a total loss of {$89000.00} in cryptocurrency. I immediately contacted Coinbase support to report the incident and requested an investigation. 
During my initial conversation with Coinbase support, I was informed that a suspicious IP address had accessed my account, which I had no knowledge of or control over. The support agent escalated my case to their EN/RD Safety department due to the high amount involved ( over {$75000.00} ). Given this escalation, I was led to believe that my case was being reviewed seriously. 
After waiting for over a week, I received a generic denial from Coinbase, stating that I was not eligible for reimbursement. However, they failed to provide any explanation or investigation details regarding the unauthorized access. When I requested further informationsuch as the IP logs, timestamps, and device details associated with the unauthorized transactionsI was given no transparency about their decision. 
Why This is a Serious Issue : Coinbase identified suspicious activity but still denied my claim without explanation. 
Coinbases security systems failed to prevent the unauthorized access, despite my account having two-factor authentication ( 2FA ) enabled. 
I have no control over how Coinbases security systems authenticate logins, yet they are holding me liable for the breach. 
Coinbase refused to disclose the specifics of their investigation, making it impossible for me to verify or challenge their decision. 
Attempts to Resolve the Issue : 1. I contacted Coinbase support multiple times and was escalated to their security department, only to receive a vague denial.

2. I requested login and transaction logs, but Coinbase has refused to provide them.

3. I requested an appeal or supervisor review, which was ignored.

Requested Resolution : I am requesting that Coinbase provide a legitimate explanation for their denial and either : 1. Reimburse me for the unauthorized transactions, or 2. Provide clear evidence that my credentials were compromised outside of Coinbases control, instead of hiding behind a vague rejection.

Given the large sum involved, I believe Coinbase is unfairly denying responsibility and failing to uphold proper consumer protections. If this issue is not addressed, I will be pursuing additional legal actions and reporting this to relevant regulatory bodies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Green Sky Installment about an unauthorized hard inquiry made on XX/XX/2022. Green Sky Installment informed me that XXXX  by XXXX made the inquiry. XXXX by XXXX only had authorization to submit a soft inquiry, this inquiry by XXXX by XXXX was not authorized. I have contacted all involved institutions but Green Sky Installment will not remove the hard inquiry. XXXX by XXXX has not contacted me. I have asked the reporting credit bureau to remove the hard inquiry but they will not because Green Sky Installment must contact the reporting credit bureau for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

HI DIVERSIFIED ADJUSTMENT SERVICE ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

My account at HSBC back was on hold for about six months to a year, and XXXX to XXXX my balance of {$14000.00} was to be funded to and a form of a check due to account closure. When the cashier check made it to me it was made out for XXXXcents I called HSBC customer center to ask them why and were did my balance go, they told me that they don't know of what I was calling about and kept sending me to a different department were at the end of me waiting for hours, they will just hang up on me very disrespectful and my issue was never resolved. Please I'm reaching out for help I've worked very hard for my earnings and need help on getting what's deserved back to me. Thank you
Product: Mortgage

On or about XX/XX/2022 an agent of the servicer for this loan contacted me to ask me " how low a payment I would be requiring for the loan modification? '' *this was done without requesting permission from to speak with me from my bankruptcy attorney. 

On or about XX/XX/2022 XXXX Bankruptcy attorney ( after being provided an incorrect fax number by the servicer ) submitted an authorization for the agent to speak with me. 

On or about XX/XX/2022 This same agent began to evade the loss mitigation option of a loan modification when she told me that " we don't do loan modifications over here... You're better off applying for a home refinance ... Can I get your their phone number? 

On or about XX/XX/2022 This same agent contacted me again to ask the same information I provided the last time we spoke. This time this person requested gas, electric, water bills among others. I was also asked to submit an initial document on their website called their " monthly expense worksheet. '' I have a strong belief the servicer has not been diligent in the processing of this loan modification application. 

Additionally, the loan modification was delayed with no communication from the agent including but not limited to : 1024.41 ( b ) ( XXXX ) to review the application to determine if it is complete, the requirement in 1024.41 ( b ) ( XXXX ) to exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application ( see comment 41 ( b ) ( XXXX ) XXXX ), and the requirement in 1024.41 ( b ) ( XXXX ) ( i ) ( B ) to provide the borrower with written notice that the servicer acknowledges the receipt of the application and has determined that the application is incomplete. 

Throughout this process I have not been provided with a fair review process or direct and ongoing access to servicing personnel
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I reported a fraudulent transaction on my Cerulean card a few days ago. It was shut down and a new card shows on the way in the app. I still have the transaction showing in my balance and theres no time frame for a credit. I was on the phone for nearly an hour being transferred back and forth between the same 2 departments and still couldnt get a direct answer. My XXXX  card, also from Continental Finance, is suddenly blocked as well even though I didnt report any activity. XXXX  customer support informed me they just decided to shut down my card without notifying me for suspicious activity or updates to my online profile.