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

I contacted the credit bureaus XX/XX/2023 and informed them I am a victim of ID Theft and there are addresses and accounts listed on my credit file that I've never lived at. 
The following addresses are listed inaccurately on my credit file XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Mortgage

I requested cancellation of PMI in XX/XX/2018. The company never responded. I have since repeated the request three times and did not receive a response. Finally, I spoke with a customer service rep on XX/XX/2018 and was informed the request was denied in XX/XX/2018 due to the home losing value. The value was never changed on my account website and I was never informed. I was also informed by the CSR that there was no direct line of communication with the private insurance department, and was given little detail regarding why my home was perceived to lose value. Using public XXXX, my home has appreciated.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian and XXXX for egregious mishandling of the XXXX XXXX XXXX auto loan, Account Number XXXX. Their persistent violations have allowed this account to report as a charge-off for an unjustifiable two-year duration. 

Multiple Violations and Relevant Laws : 1. FCRA 623 ( a ) ( 2 ) - Inaccurate Reporting : Both credit bureaus failed to correct inaccuracies, enabling the continued reporting of an unjust charge-off status. 
2. FCRA 611 ( a ) ( 7 ) - Lack of Verification : Experian and XXXX neglected to verify the accuracy of the reported charge-off status, violating FCRA Section 611 ( a ) ( 7 ). 
3. FCRA 611 ( a ) ( 5 ) - Untimely Updates : Monthly updates as a charge-off constitute untimely reporting, directly violating FCRA Section 611 ( a ) ( 5 ). 

4. FDCPA 807 ( 8 ) - Harassment/Abuse : The repeated, unjust reporting constitutes harassment, violating the Fair Debt Collection Practices Act. 

XXXX still contacting me to pay different prices but it has already been written off I demand the immediate deletion of the XXXX XXXX XXXX account from my credit report due to the severe and continuous violations listed above. I expect a thorough investigation into this matter and swift corrective action. 

I appreciate your urgent attention to rectify these severe violations. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX  data breach.
Product: Checking or savings account

I filed two Dispute Claims with TD Bank on XXXX.On both disputes I fulfilled requests by the bank to restore my funds.After I fulfil their initial requests, there is not more that I should be required to do under the circumstances.They submitted a letter in writing requesting that I explain the circumstances of the request for a refund on both disputes and I did.They requested receipts and I submitted receipts.When it appeared that the merchants had no grounds to recover funds from my account, TD bank summarily amended the requirements for granting my Dispute Requests for a Refund, transmitting additional requirements from their Legal Department that are unheard of by customers in Good Standing, suggesting Legal Action.They did this even after I asked them if they are recognizing who has their name on a TD Bank account.I asked them if they were equating my entitlements as a Bank customer as being inferior to that of the merchant/vendor of a Bank customer.On XX/XX/2021 they mailed me a letter denying both of my dispute requests arbitrarily and without consideration for the actual circumstances or my standing as a TD Bank customer.
Product: Money transfer, virtual currency, or money service

Hello, I contacted ( cryptocurrency exchange ) XXXX 's support about a potential attempt to compromise my account. Basically, I received a text at my business account with an authorization code for a coinbase account. This number was not associated in any way with my personal coinbase account, but I feared it might be an elaborate hacking attempt. Over a week later coinbase locked me out of my own account, claiming that they were helping to protect my funds. 

I have been locked out of my account ever since and have made several attempts to regain control. I altered my password, according to their suggestion and sent an email requesting re-access, to no avail. 

I have made several attempts to contact XXXX  support but am being perpetually ignored. I have written several emails, posted on their XXXX page, commented on their XXXX, messaged then directly on multiple social media platforms. I have never gotten a single response or even viewed message from their team. 

They are essentially holding {$2000.00} of my digital assets hostage, without any timeline or plan or information regarding a safe return. 

Additionally, there are hundreds, if not thousands of customers to whom they are doing the same exact thing. This should be considered XXXX. 

XXXX is actively allowed to profit off of the coins that they hold custodially. Meanwhile the customers who they claim to be working for are having no access to their legally entitled funds. The amount of damage that they are causing to people 's lives every day is immeasurable. I implore you to help me and consumers like me in getting this issue resolved. And not just on a case by case basis, but permanently. This is a disgusting miscarriage of justice that has been probably carried on for at least 3 years. 

The evidence for XXXX and their tendencies to abandon customers and seize funds without just cause or legal grounds is staggering. It is absolutely disgusting that they could even be considered for a public offering right now. If allowed to continue, this approval would be led strictly by greed and not reason.
Product: Credit reporting or other personal consumer reports

I received a cooy of my credit report and find the following items on my equifax unfamiliar i have explained the discrepancies of the inquiries XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX MAIN XX/XX/XXXX XXXX to my records the information they are reporting on my credit profile is unrecognizable.I would like that this be remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the presence of inaccurate accounts on my credit report. These accounts are completely incorrect and should not be listed under my name. This situation is not only unfair to me but also deeply troubling, as I have never been involved in any of the activities associated with these accounts.
Product: Mortgage

Until recently, my home loan has been serviced by XXXX XXXX. A letter apparently bearing a date of XX/XX/2021, and a signature of " XXXX XXXXExecutive Vice President/Head of Mortgage Operations/Loan Care, LLC '' purports to inform me that servicing of the loan will transfer to LoanCare , LLC, and states : 1. " Beginning XX/XX/2021, your home loan will transfer to LoanCare. '' 2. " If you have any questions about this transfer for either XXXX XXXX  or LoanCare, please don't hesitate to contact us. '' and goes on to list a telephone number and partial web site address for LoanCare. 

3. " Should you have questions, please reach out to [ ... ] LoanCare on or after XX/XX/2021. '' On XX/XX/2021, I attempted to contact LoanCare by telephone at the telephone number provided in the XXXX letter of XX/XX/2021, to ask questions about the transfer. LoanCare 's automated telephone system played numerous recorded messages, but offered no way to reach a customer service agent. Moreover, LoanCare 's automated telephone system mentioned a date of XX/XX/2021 on which information about my account would be available by telephone and via online access. This date is different from the date mentioned in the XXXX letter of XX/XX/2021. 

On XX/XX/2021, I attempted to access LoanCare 's web site at the address furnished in the XXXX letter of XX/XX/2021. When I sought to create an account, LoanCare 's web site did not appear to recognize my Social Security number, which is the Social Security number associated with the loan by the previous servicer, XXXX XXXX. However, another part of LoanCare  's web site appeared to recognize the loan number assigned by XXXX XXXX, along with a fragment of my Social Security number, and informed me that information about my loan would be available on XX/XX/2021. This date is different from both the date mentioned by LoanCare 's automated telephone system on which information about my account was to be available, and the date after which the XXXX letter of XX/XX/2021 instructed me that inquiries about the loan should be made to LoanCare and invited such inquires.
Product: Debt collection

I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX 

Today I received my XXXX credit profile only to find their derogatory tradeline displayed.
Product: Checking or savings account

I opened up an account with navy federal in XXXX of 2023 with savings bonds. I don't know whether someone was watching me but I started have issues with unauthorized transactions made on my debit cards. I didn't catch it until a couple of months later. To make a long story short I had to change debit cards 5 times. People were still able to do transactions on cards that were supposed to be cancelled. I have been going back and forth with navy federal but they refuse to refund me my almost {$2500.00}. They even restricted my debit card use for 36 months. I even provided a police report I filed due to someone compromising my info. Nothing was done. They did give me a small refund for some of it but they declined the bulk of it. And even took back XXXX which overdrafted my account so they coded the account because I refuse to pay because it wasn't authorized.
Product: Credit card or prepaid card

I joined Sam 's Club last year and was enticed to get the Sam 's Club credit card from Synchrony Bank for the annual rebate. I recently received communication from the bank that my rewards were available, but after two trips to Sam 's Club I was unable to get my rewards at the store, as advertised. The last time I went to Sam 's the fine Sam 's employee called Synchrony Bank who promised that I would receive a statement credit. After six days I called the bank because I had not received my credit. They promised that I would receive my credit by XX/XX/2022. Today, XX/XX/XXXX, I still have not received the credit. I called Synchrony and they now say it will " probably take one to two cycles '', effectively XX/XX/XXXX, to receive my credit. At this point I am doubtful of any promises from Synchrony Bank. It seems unthinkable that it could be so difficult for them to process my credit.
Product: Debt collection

I received a notification that i had a account in collections, it was originally from a hospital i received financial assistance from. I called them and they said they would contact the collector and remove it. I waited some time and contacted the collector, and the collector told me the account was being removed and to wait 30 days. I have waited 3-4 months and the account is still in collections, every time i dispute it, the creditor says correct balance, correct account, ect. Collector : Kansas Counselors Inc, XXXX XXXX XXXX, XXXX XXXX, ks XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp. ( Block , inc ) due to the fact that customer service is inadequate and unfair which violates The consumer Financial protection act ( CFPA ) More specifically cashapp failed to take timely and effective steps to prevent address fraud on their platform. Leaving my account and my sensitive information vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused major inconvenience and financial loss. I seek redress for these violations
Product: Credit card

I applied for my AAdvantage card XX/XX/2016 after a flight attendant sold me the benefits. The flight attendant advised that the first bag flies free, plus up to XXXX additional bags for people who are traveling with me. I advised the flight attendant that I would be traveling to XXXX XXXX for my honeymoon and asked if my bags would fly free - she said something along the lines of, " Congratulations! Yes - this card would be perfect for you. '' So I took out the card. 

Then, right before my honeymoon, I called in on XX/XX/2016 and advised Citi that I was going to be traveling overseas, and would be using my card ; I then asked how to go about having XXXX XXXX waive the checked bag fee. They advised to inquire with them at the kiosk/bag check in area to have the fee waived. 

Then, when I went to check my bag as well as my wife 's, I was told " Sorry - the free bag benefit does not apply to international flights. '' This completely contradicted what I was originally told twice ( both by the flight attendant and Citi phone rep ). I had to pay, overall, {$100.00} for our bags ( $ XXXX for the flight there, and $ XXXX for the flight back ). 

I have already called in and tried to resolve the issue on XX/XX/2016. The phone rep advised that he can issue me XXXX airline points. This {$5.00} equivalent is really an unacceptable remedy to the issue.
Product: Credit reporting or other personal consumer reports

The following hard inquiries do not belong to me, therefore, they need to be removed. Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> 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 generallf, 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: Credit reporting, credit repair services, or other personal consumer reports

I have hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to Transunion, XXXX and XXXX and they are still reflecting on my account. 
XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 -XXXX  XXXX XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 -XXXX  XXXX  Inquired on XX/XX/2023 -XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX  XXXX  Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed fraudulent activity on my account and the company have not responded back to the complaint
Product: Credit card or prepaid card

On XX/XX/2019, I mailed a certified letter to XXXX/XXXX, and Radius Global for validation of the credit card account stating I owe XXXX  {$2300.00} and XXXX  {$2900.00} they placed on my credit report, which does not belong to me, I never open this account with XXXX/XXXX, Radius and XXXX, its been over 120 days and XXXX ( XXXX  ) only sent was bill statements attempt to show proof, no proof of signature which I requested. Radius Global never replied with the XXXX XXXX  collect account and now XXXX   ( XXXX ) is stating they have assign to Radius Global. I need Radius Global to show proof of both accounts by supply signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Money transfer, virtual currency, or money service

A friend of mine repaid the {$2000.00} I loaned him through Western Union from XXXX. I live in the XXXX. When I went to pick it up at the local Western Union agent, they gave me {$500.00} in cash and issued the remaining {$1500.00} as three money orders of {$500.00} each, since that was the only option available at the time. The money orders were issued on XX/XX/XXXX. 

On XX/XX/XXXX, I deposited the three money orders totaling {$1500.00} into my XXXX  XXXX XXXX account. However, on XX/XX/XXXX, the bank deducted the money from my account and sent me a letter stating the money orders were returned unpaid with a note saying, " refer to maker. '' After multiple attempts, I finally got in touch with a Western Union customer service representative over the phone. He informed me that I needed to fill out a form and pay {$15.00} per check to resolve the issue, even though the money wasn't cashed. I protested this charge, arguing that I shouldn't have to pay {$45.00} and go through a lengthy process for their mistake. All I did was deposit the checks, which were then returned unpaid. 

I asked to speak with a manager. The representative put me on hold, and when he returned, he asked for my address and legal name, assuring me that a new check would be sent to my address within three weeks. However, I never received the checks. 

I called back and was told by another agent to send a copy of the bank letter and the receipt for the money orders to XXXX, which I did on XX/XX/XXXX. Since then, I haven't heard anything from Western Union. I haven't even received an acknowledgment email confirming they received my documents or information on what to expect next.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) THIS company is reporting on my credit which XXXX XXXX is reporting too both companies trying to collect for the same account & different amounts ... the vehicle was purchase from XXXX XXXX XXXX but was sold to XXXX XXXX  both companies trying to collect two different amounts for the same account I was never sent any documents where I could have attended the auction or sale I was never giving the chance to buy the vehicle back
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

Per our last discussion, my account was charged off due to non-payment with a balance of {$540.00}. This means that you have filed either both or one 1099-a & 1099-c as property abandonment to be compensated for your loss. This means that this account is now a certificate of indebtedness and considered income and CAN NOT LEGALLY be reported as debt or collected on. I have not received a copy of any 1099 's that were filed on my behalf as per the IRS regulations Publication XXXX ( XXXX ) including under Statements to Debtors. I would like a certified copy of the 1099 's filed on this account.

Per 15 U.S. Code 6802-6805, I have a right to opt out of any information being reported to credit agencies and you are supposed to send a notice providing me with the opportunity to opt-out, yet I have not now or ever received one. Also, in my previous complaint, I opted-out of having my information shared to the credit bureaus per the Privacy Act of 1974 '' and the account has not been removed from the reports.