23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am a customer with rush card / meta bank and I have not received my direct deposit that was processed by my employer and I have been unable to contact customer service to get any updates as to when I will receive my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Accounts ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$290000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00}.
Product: Credit reporting or other personal consumer reports

I filed an identity theft report with the FTC, mailed it to all three credit reporting agencies certified mail. They did not remove all the fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So I filed a equifax complaint because of the 60 % utilization despite me already paying it off. You guys rereported a month later a 60 % utilization despite a 1-2 % utilization. 
I went into a branch, called multiple times ... Employees gave wrong  information about prepaying to lower utilization. Multiple managers hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name THE XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$8000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine
Product: Vehicle loan or lease

on or about XXXX of XXXX  i sent request for either a copy or the original of the contract that states i have a debt to capital one auto finance, they replied that they do not have the original contract, so i sent back a cease and desist to capital one auto finance in regards to collecting payment on the account that they can not provide me the contract on. once i sent the cease and desist i had to file identity theft on capital one for having a " contract '' with me that they could not provide proof of. 4 months after i filed identity theft capital one auto finance had my vehicle ( my residence ) repossessed, then ried to force me to pay an additiional $ XXXX to obtain legal rights to my vehicle again that i already paid over $ XXXX on.
Product: Checking or savings account

In the fall of 2020 Capital One switched the type of checking account that I have. Since the change over my direct-deposits are not credited in the timeframe that they have been in the past ( theyve excluded Saturday postings and credit funds on Monday ). 

Additionally I have been subject to fees and charges that were nonexistent with the previous checking account. In fact Ive made more customer service phone calls since the switch then I have in the combined years that Ive been a customer. 

Lastly I reported a unauthorized charge and was promised a provisional credit for a case that was ruled in my favor only to have it retracted and an overdraft fee charged. 

Its my belief that they switched my account to make more of a profit.
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 U.S.C 1681 : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint against Equifax in light of their recent conduct regarding investigations of credit reporting errors, as highlighted in your own announcement regarding their {$15.00} XXXX settlement for improper practices. 

As an individual who has had an ongoing issue with my credit report, I am deeply concerned about the integrity and reliability of the credit reporting process. My experience with Equifax has revealed significant flaws in their handling of disputes related to inaccuracies in my credit report. 

On, I submitted a dispute regarding incorrect account information, late payments that were reported inaccurately. I expected Equifax to conduct a thorough and fair investigation into my claims, as required by law. However, my experience has demonstrated that their investigation was anything but adequate. 

Details of My Experience : 1. Inadequate Investigation : Equifax 's response to my dispute was cursory at best. They failed to perform a meaningful review of the evidence I provided, which included [ describe any documents or evidence you submitted supporting your dispute ].

2. Lack of Communication : The process lacked transparency. I did not receive clear explanations regarding the outcomes of my disputes, nor did I have adequate opportunities to follow up or ask questions.

3. Repeated Errors : Despite my efforts to rectify the inaccuracies, they continued to reappear on my credit report, negatively impacting my credit score and ability to secure loans or favorable interest rates.

4. Failure to Adhere to the Law : It has become evident that Equifax did not comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Their actions have caused me not only financial harm but also considerable emotional distress.

Request for Action : I believe it is crucial for the CFPB to take note of the systemic issues regarding Equifax 's investigation process, particularly in light of their settlement for similar practices. I urge the CFPB to further investigate Equifaxs compliance with credit reporting regulations and ensure they implement necessary changes to protect consumers from such lapses in the future. 

As a consumer, I expect fair treatment and accountability from credit reporting agencies. I appreciate your attention to this matter and look forward to your response regarding any actions that can be taken on my behalf or in the interest of consumer protection.
Product: Debt collection

Midland Credit Management filed a a case in XXXX Superior Court, Civil Division XXXX on XX/XX/XXXX. The case number is XXXX. On XX/XX/XXXX, a default judgement was entered awarding Midland Credit Management , Inc ( Midland ). {$2500.00} which included filing fees and court fees. 

On or about XX/XX/XXXX, I sold my first home. The above referenced judgement was attached to the sale of the property and Midland was issued a payment in the amount of {$2300.00} ( the amount of original balance ) from my sale proceeds. 

Prior to XX/XX/XXXX, this collection account did not appear on my credit report. I argue that this was never a collection matter as Midland filed suit to recover the delinquent account balance. Furthermore, the balance has been paid and should be removed from my credit report.

In summary, I am asserting that Midland has reported false information on my credit report and as such has negatively impacted my ability to obtain credit. This inaccurate information has been reported and filed with the three major credit bureaus ( XXXX, XXXX, and XXXX ). I would like this information to be removed from my credit report.
Product: Credit card or prepaid card

XXXX XXXX : XXXX Balance Transfer charges were applied to my credit card. Each in the amount of {$450.00}. XXXX of these charges for a total of {$1800.00} still needs to be credited. 
I have called the credit card company 5 times between XX/XX/XXXX & XX/XX/XXXX and can't get this resolved.
Product: Credit card

Per the SCRA ( Service Members Relief Act ) more specifically the Ohio Law ext 164 notes that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I am a Ohio resident and my place of entry into XXXX XXXX was Ohio.
Product: Debt collection

LVNV Funding LLC is currently reporting a adverse account to the XXXX credit bureaus. At the time of their collection efforts this agency is in violation of Florida state licensing statutes. XXXX XXXX XXXX XXXX states " XXXX registration. 
( XXXX ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' The address this agency on my credit report does not match the information listed on this agency 's license. As such, their license is void, and they are illegally attempting to collect a debt.
Product: Mortgage

I have been working on mitigation options wi th SPS sin ce   XXXX   XXXX   XXXX  . I have supplied all documents requested in a timely manner, however SPS is constantly asking for additional information, asking to re-send information. Then on    XXXX   XXXX   XXXX    they inform me that the review will be continue because the file was not received 37 days prior to the foreclosure which is currently set for  XXXX   XXXX ,  XXXX . The documents they requested were sent to them on  XXXX   XXXX ,  XXXX  and they failed to inform me that there was a deadline for those documents to be sent in. Additionally, I am not confident tha t SPS has  the legal rights to foreclose as they may have received the loan transfer after default nor can I find a recorded assignment of the deed of trust.
Product: Credit reporting or other personal consumer reports

Subject : Noice of Dispute for late charge error - Violation of 15 U.S.C. 1666 ( b ) In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: Money transfer, virtual currency, or money service

There have been numerous amount of times that I got on and their was either an unauthorized transaction or someone trying to charge me for stuff that I know nothing about and I came here because this was my last resort
Product: Bank account or service

In XXXX I had a bank account with Wells Fargo Bank in XXXX Arizona. I closed the account when they told me I owed them & gt ; {$9000.00} in overdraft fees. Then In XXXX Wells Fargo took all of my money out of my account at XXXX Bank XXXX, XXXX AZ right after I had refinanced my home. The amount was {$14000.00}. I filed a complaint in courts in XXXX, AZ and the Judge ruled in favor of the collection company that bought out the debt from Wells Fargo Bank. The collection company stated that the debt was for a credit card. I did not have any credit cards with Wells Fargo Bank! I did not have a credit rating high enough to get ANY credit cards, let alone XXXX for $ XXXX. I did not owe Wells Fargo Bank that money and now have lost $ XXXX to their collection company. I asked them for proof and accounting of the money they stated I owed and they would not provide that to me. 
So without any proof of the money owed or any accounting of the fees or any financial statements, the Judge gave the collection company for Wells Fargo Bank my $ XXXX dollars. 
Is there any recourse for me? Would n't they have to prove that was truly owed to them? There was nothing on my credit reports that stated that I owed Wells Fargo Bank any money for credit card debt PLEASE HELP. I can get the transcripts of the court appearance for proof that the atty stated that I owed for a ( nonexistent ) credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert from Experian that my credit score has a negative change. When I looked into my Experian account I saw that a credit line I had never heard of had been opened in my name and was past due on payments. The creditor is XXXX XXXX and when I contacted them I was told that I had opened the account in XXXX of XXXX  and was past due on payments as of XX/XX/XXXX. I disputed that this was my account and they immediately closed the account to and said they were sending me paperwork about further disputing the fraud ( which has not yet happened ). Experian also followed up with the company but did not resolve the issue or remove the negative account from my credit report. I also opened a police report with the XXXX XXXX police department on XX/XX/2022 ( report XXXX ). Also, while this dispute with Experian was ongoing, someone hacked my Experian account and changed all my personal information : email address, phone number, password, security question, etc. I believe I have resolved this with Experian but it's clear someone had created a fraudulent account in my name and then tried to hide it from me. If it helps at all, the phone number that was entered in the Experian system and which is not mine is XXXX.
Product: Money transfer, virtual currency, or money service

I am applying for a grant through XXXX and PNC will not allow them to link
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Reported : {$3600.00} Disputed Late Payments : XXXX XXXX XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX V Inconsistent Reporting : The late payment dates do not match across bureaus, violating FCRA 623.

Failure to Verify : Under FCRA 609, I request proof that I was actually late.

V Metro 2 Compliance Violation : If my account was brought current, the late payment must not be reported as delinquent.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX XXXX for Reporting Inaccurate Information on My Credit File I am writing to formally file a complaint regarding inaccurate information being reported by XXXX XXXX to my credit file. I believe these discrepancies may be in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies specifically involve incorrect reporting of account balances and the failure to provide required tax documentation for a written-off debt. 

The discrepancies are as follows : Incorrect Account Balance : XXXX XXXX has reported an incorrect balance on my account, which does not accurately reflect the amount owed or the actual status of the account. 
Failure to Provide Form 1099-C for Written-Off Debt : Despite the fact that the debt associated with the account was written off by XXXX XXXX, I have not received the required 1099-C form for tax reporting purposes, as mandated by the IRS. 
I have made several attempts to resolve these issues directly with XXXX XXXX. I have contacted their customer service team multiple times and submitted written disputes requesting the correction of the account balance and the issuance of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the incorrect information continues to negatively affect my credit report and financial standing. 

As this situation has caused significant harm to my creditworthiness, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that XXXX XXXX complies with its obligations under the FCRA, including the accurate reporting of information to credit reporting agencies and the timely issuance of the 1099-C form for written-off debt. 

Please let me know if you require any further information or documentation from me to assist in your investigation. I look forward to your prompt response and resolution of this matter.
Product: Debt collection

I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX  that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing,  and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2. Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Coinbase, a cryptocurrency exchange platform, regarding severe difficulties accessing my account and the lack of responsiveness from their customer support team. 

For the past three days, I have been unable to log in to my Coinbase account despite numerous attempts. The situation was exacerbated by the fact that it took over 3.5 hours to connect with a customer support representative, only to be met with unhelpful and dismissive assistance. Despite providing proof of my identity on multiple occasions, including through their verification processes, the representative informed me that my issue was " under investigation '' without offering any concrete resolution or timeline for resolution. 

The lack of responsiveness and inadequate support from Coinbase 's customer service department has left me deeply frustrated and concerned about the security of my assets held within the platform. As a result, I am left with no choice but to request the immediate withdrawal of all my assets from Coinbase. 


Thank you for your attention to this matter.
Product: Vehicle loan or lease

I am currently paying on this balance but under the 15 U.S Code 1681b Permissible purposes of consumer reports. ( FCRA ) a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies
Product: Credit reporting or other personal consumer reports

please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE INQUIRIES ONLY NOT ANY ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : 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  EQUIFAX : 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 I disputed this information with EQUIFAX over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.
Product: Credit reporting

I 've been the victim of ID theft, I have had all of my personal information compromised and lots of accounts opened in my name and also and IRS fraudulent tax return filed. I have a recent dispute the credit bureau because of have dispute some fraudulent accounts with them and they have yet to remove them from my account. I 've sent them police reports and other supporting documentation ....