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

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate credit reporting practices that have adversely affected my financial standing. 

Upon reviewing my credit report, which I obtained from XXXX  XXXX navy federal I discovered several inaccuracies that are impacting my creditworthiness. These inaccuracies include such as accounts that are not mine, incorrect account statuses, etc. 

I have attempted to rectify these errors by disputing the inaccurate information directly with the credit bureau, as mandated by the Fair Credit Reporting Act ( FCRA ). However, despite my efforts, the inaccuracies persist, causing undue hardship and frustration. 

As a consumer protected under the FCRA, I am entitled to fair and accurate credit reporting. I believe that the practices of [ Credit Bureau XXXX ] violate the provisions set forth in the FCRA, specifically Sections 611 and 615, which require credit reporting agencies to conduct a reasonable investigation upon receiving a dispute and to promptly correct any inaccuracies. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX navy federal complies with federal regulations governing credit reporting.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXXXXXX XXXX XXXX  replied back with a letter stating that the account is closed from their active collection files but the collection still remains on my equifax credit report. since the account is closed. i want the account removed from my credit report immediately thank you
Product: Debt collection

I have already been paying off my loan with a debt management plan. I was not made aware that it was sold off. The debt management company has still been sending the checks to the original creditor and they have been cashing the checks and not forwarding the money to the debt collector in which they sold the account to. The person who contacted me harassed my family members and claimed that I was to be sued if I didnt pay by visa or prepaid card. He also read off my complete social security number. He said he was in contact with the lawyers from XXXX XXXX.
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE ... 
I am STILL AFTER A YEAR, trying to resolve a dispute with synchrony mastercard for paypal ( a charge card that I have stopped using for purchases myself, and after doing so and submitting my first complaint to CFPB on XXXX, XXXX about synchrony bank have seen both this paypal card and my old navy card have credit limits on each of {$4000.00} reduced to only the amounts being disputed..the old navy card having only {$170.00} as a limit now instead of the {$4000.00} and I have never been late with payments but am not required to pay the disputed amounts ). Besides that synchrony " closed my dispute '' # XXXX with CFPB " >After careful examination of synchrony 's letter dated XXXX XXXX I see they provided a copy of the XXXX purchase of {$560.00} on XX/XX/XXXX and a refund receipt of XX/XX/XXXX. Upon further review ( I have noted for you and will attach later ) that what they say are refunds of {$59.00} and {$440.00} are not supported on my dispute as the receipts they show for the original purchase have different SKU numbers on the 2 @ {$59.00} and the other returned items show $ XXXX on their supplied receipt that goes on to say " system error ''. 
I am still disputing this complete amount of {$960.00} as I have been disputing for almost a year now! ..Also I have noted that her letter states these items are '' now subject to interest charges.. '' She does not note anything about the other items in dispute so I am assuming they are not subject to interest, and the already wrongly charged interest of {$20.00} will be credited back until this dispute is properly handled. I am still receiving notifications of late payments from synchrony even though this dispute is recognized by XXXX XXXX, Sr. specialist Corporate Consumer Relations Synchrony bank, and needs the time to resolve and not be forwarded to collections or credit bureaus as they are doing. 
Also note that today I have called the phone numbers supplied and left messages to XXXX but have not been able to get a response at all, and the customer service number when answered has people that transfer the calls and then the line goes dead.
Product: Consumer Loan

XXXX XXXX Financing the ones that financed the vehicle for XXXX auto at XXXX XXXX XXXX NY. The complains is the vehicle was over priced, also documention is showing different salary income. I realized the payment of {$660.00}. Monthly for a 2013 XXXX not fully loaded. Is too high. After speaking to the dealer, I was told to bring back in 6 months they did nothing, I spoke to the Financers CCF they ask for my income verification, I fax twice to them which proved I am paying beyond the income guidelines. They too only have empty promises. Eventually they did nothing and this is wrecking my credit because I am not able to properly make payments. Need urgent help. I can be reached at XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ONCE AGAIN VIOLATED THE FCRA AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND HAS RAN MY CREDIT ON EXPERIAN 111 TIMES AND IS FAILING TO REPORT TO XXXX.
Product: Credit card

I already submitted the necessary information and verification regarding the illegal nature of Discovers actions in locking a card in an attempt to force me to sign a document I am not legally required to and when I requested proof that a document existed stating they could I was hung up on and given no opportunity to speak to another representative despite repeatedly asking for over five minutes and being denied for no reason. The entire interaction was recorded for my safety and I am happy to provide copies to the cfpb and anyone else who wants them because they show with 100 % certainty that Discover has acted illegally and is even as dubious as unlocking my card for less than 24 hours after I submitted my initial complaint and then locking it again without notice or right, directly impeding on MY rights and causing SERIOUS HARM in the process. If the cfpb doesnt address this the courts will. And I will use the cfpbs lack of action as a clear sign I must be the one protecting myself from this companies detrimental and malicious actions.
Product: Debt collection

In XX/XX/2020, I recieved a phone call from Hunter Warfield , Inc. regarding a debt owed due to eviction. I requested a letter of debt validation through the collector. The collector told me that they would refer my case to an attorney to file a lawsuit to sue me even during the debt validation process. And that the only way to prevent a lawsuit was to begin paying on the debt. The collector also questioned why I would validate my debt since it was 2 years old at this point. It seemed like the collector was attempting to dissuade me from validating my debt. 
I requested that even though a payment arrangement was set up that they still validate the debt and send me a letter of debt validation. It has been over 90 days since this phone call and I have yet to receive a letter of validation. 
I have concerns regarding the amount as they are charging a 6 % interest on the debt even though I did not agree to pay any interest when signing the apartment lease. Nor did I ever agree with XXXX XXXX that I would pay a 6 % interest to them. Even though I brought up this concern, they said I agreed to it in the lease documents. I reviewed the lease documents and in no where do the documents mention a 6 % interest or even the word " interest ''.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I have been trying to get a modification on my loan but whenever I call I get put on hold and nobody speaks to me yet they are threatening to foreclose. I Informed then I was entered into XXXX program and they continued to send foreclosure notice, they never addressed receiving information about XXXX that was sent to them. I was forced into early retirement and just trying to get payments lowered to match my fixed income.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach that resulted in identity theft. Consequently, multiple unauthorized accounts and credit inquiries have appeared on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. Chapter XXXX Bankruptcy XXXX XXXX XXXX : XXXX o Date Filed : XX/XX/XXXX XXXX. Chapter XXXX Bankruptcy XXXX XXXX XXXX : XXXX o Date Filed : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a Fraudulent Inquiry was made on my XXXX  and Experian credit file from XXXX, I did not Authorize this Inquiry and quickly called XXXX  to notify them of such Fraud. Please Remove this Inquiry Immediately from my credit file. I was a victim of identity theft.
Product: Credit card or prepaid card

Dear Consumer Finance Protection Bureau, I am writing to dispute the actions of American Express regarding my accounts. I have a Business Gold card with the account number XXXX, a Personal Platinum Card with the account number XXXX, and an XXXX XXXX XXXX Card with the account number XXXX. 

Recently, American Express has been threatening to harm my personal credit because I can not make a payment in full of almost {$4000.00} at one time on my Business Gold card. I strongly believe that business and personal matters should not be mixed, and American Express is violating this principle by threatening to harm my personal credit. 

I would also like to bring to your attention that my Personal Platinum Card and XXXX XXXX XXXX XXXX are both up to date on payments. However, American Express has suspended all usage on every card, including my Business Gold and Personal Platinum Cards, simply because I can not afford to make the payments on the Business Gold Card. This is completely unfair and unreasonable. 

To make matters worse, American Express has threatened to report my Personal Platinum Card as late because of a separate card, even though I have a current and up-to-date payment history on it. This action is unacceptable and I believe it is not legal. 

I am willing to make arrangements to pay down my debt on the Business Gold Card, but due to my recent divorce, I have found myself in a rough patch and a financial bind. I kindly request that you look further into this issue and prevent American Express from taking any unfair and illegal actions against me. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several of my accounts at Transunion are not reporting monthly as required by law. I have two XXXX  XXXX credit cards that have not been updated since XXXX 2017. I have contacted Transunion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time Transunion blames XXXX XXXX, however XXXX XXXX has provided me with proof of monthly reporting to Transunion. Another account I have XXXX XXXX Transunion is with holding the reporting of this account. Another account XXXX XXXX loan again not reporting monthly payments. 
I have contacted all companies and have proof of reporting to Transunion. XXXX XXXX has filed their own investigation as to why they have not reported my payments in 4 months. Enough is enough. Transunion is manipulating credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to know the description of the investigation procedures that took place as it relates to the accounts provided in the attachment and do not send me a generic response. I also want to know who you all spoke with, names, addresses, phone numbers, what was asked and what was provided by them that made you believe that this information was accurate pursuant to 15 USC 1681a ( e ). You all never verified these accounts with me, you just added them to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I entered transunion.com to receive my free annual credit report that is supposed to be provided by the three major credit bureaus. I was told that the report would be free, however upon signing up, I was immediately charged {$27.00} for the service. The link took me to a site for a more premium transunion service, and I entered my account information believing that it was for identify verification purposes ( once again, I clicked on a link which I believed was taking me to a FREE credit report ). I cancelled the account within 5 minutes but transunion has refused to refund me for this fraudulent and misleading activity. The charge is still pending and they said there is nothing they can do because Ive already made use of the service. I literally cancelled this account as soon as I received notification from my credit card company that this charge was pending. This charge needs to be reversed immediately and credit bureaus should not be in the business of SCAMMING patrons/prospective customers!
Product: Credit reporting or other personal consumer reports

There was a account opened up 23 years ago in maine with my solcial sercurity number XXXX. The account was called XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX in maine hidden from my credit report by all major credit companies that took money to cover the account up. well this account texas XXXX drained it. Her name is XXXX. XXXX XXXX drained XXXX accounts every month that fill up with money from XXXX XXXX these accounts at XXXX XXXX XXXX XXXX in iowa on XXXX XXXX XXXX XXXX opened up 23 years ago. they are both fraulent accounts cause they which im sure it was the fbi opened them. the money in these accounts are from mostly from my XXXX XXXX XXXX XXXX XXXX  i need some one to investagate these accounts and who drained them. thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX
Product: Debt collection

The company name is TRANSWORLD SYSTEMS INC. I don't know this company at all. I send them a certified letter on XX/XX/XXXX asking them to give me information of what I owe them. I haven't received any information at all. I found out about this debt thru my credit report. I disputed 3 times and they said is valid because is from a hospital. The last time I went to the hospital was back in XXXX and I had insurance. Never did I received a bill or any source of information. This is affecting me. I never had any type of collection.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Experian reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY.
Product: Checking or savings account

Chase Bank. Apparently someone supposedly closed one of my accounts. I had to open another one but it seems someone tried to take that one over too and fortunately failed. I need to recover all of my accounts at Chase Bank. I will not be harassed or coerced into doing anything morally or ethically questionable to acquire my own financial accounts.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  & XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Mortgage

Third party fraudulent parties made payments and then reversed them so would like to litigate them
Product: Money transfer, virtual currency, or money service

Coinbase.com had an offer that if you set up a recurring buy of {$50.00}, they would give you {$10.00} Bitcoin reward after the 4th and 8th buy.

Allowing for the 5 days for the reward to hit my crypto wallet, I waited until the 5th purchase to ask where my reward was for the 4th. They said I wasn't eligible at this time. I inquired why, and they replied that the " confirmed '' I wasn't eligible. 

I said that if they could " confirm '' it, then they should know the reason why. Like " you were not eligible because you didn't meet condition xyz ''. Their reply was that they are working hard to quickly address the issue. That's the last I've heard from them. 

I told them that if I didn't get an answer, I would contact the XXXX. I started to do that, but I saw they already have an XXXX  rating and hundreds of 1 star ratings and complaints. So I decided to write you instead. If you read the XXXX complaints, you'll see others like me who were not given the promised bonuses, along with others who say they were locked out of their accounts, or had crypto disappear out of their account, or had transactions where they didn't get all the crypto they should have gotten at the exchange rate at the time of the transaction.

Coinbase appear to be cheating their customers in every was at any opportunity. They should be investigated. Attached are the email chains of my correspondence with them : ===