23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been a victim of identity theft and someone was using my information to obtain goods and services. I have never opened up a bank account with Citi bank this account is due to fraud there are XXXX accounts a checking & savings account
Product: Credit card

US Bank the issuer of the XXXX XXXX Visa Signature Personal and Small Business credit cards charges an annual fee for each on of their cards. I have XXXX of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX hotel you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid XXXX annual fees earlier this year that I would receive the XXXX night XXXX, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today Trans Union dropped my credit score XXXX points today for paying off over {$2000.00} in debt. Really!!!! 
XXXX XXXX needs to get a handle on Trans Union and XXXX. As a matter of fact I have paid off more than {$20000.00} in debt in the last 3 months and my score keeps dropping. Even was denied a loan because of these XXXX groups in XXXX. 
XXXX XXXX needs them to report correctly. 
They are quick to lower your score and take months to raise it after a mistake. 
Clean up your business! 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 & 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 : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a Kohls Credit Card account through the checkout process at the store. Misunderstood that that transaction would be applied to the credit account. Did not activate credit card when it came in the mail. Attempts by Kohls to contact me via phone about late payment resulted in technically phone issues in which I recieved only static on the other end. Calling back always went to a generic customer service line. I assumed they were calling about activating the card, not trying to collect a late payment. The payment amount was only {$15.00}. Paying it would have not been a problem. 
I got an alert that my credit dropped over XXXX points, so I contacted them. They said they would fix it and close the account, but instead, left a {$1.00} balance on the account, which I was again, unaware of. 
Then my credit was hit AGAIN. OVER {$1.00}. 
So I went from a credit score of XXXX to XXXX. 
Over {$15.00}??? 
I got them to close the account, at least according to them. 
However, attempts to have them remove the delinquent report have failed. 

This is just bad service, and nuking someone's credit over XXXX like this is absolutely pitiful. I always pay everything on time and honestly prefer to pay things in full. The fact that my credit can be absolutely torched over this should be illegal.
Product: Debt collection

I am not aware is this account. I was not of age when account was even open. I would like this remove from my  credit score .
Product: Money transfer, virtual currency, or money service

I was involved in a XXXX XXXX XXXX XXXX process since XXXX and have patiently worked effortlessly for almost 5 years to recover some of the money scammers and fradulent caused in the XXXX & XXXX XXXX You may XXXX search this extremely significant event that caused pain to millions of consumers. In XXXX, the bankruptcy was finally resolved by the judge and the bankruptcy was coordinated Coinbase as the partner to distribute the $ I was scammed of in XXXX. 

Due to this elevated Traumatic Event, I wanted to move the cryptocurrency off my Coinbase account immediately on XX/XX/XXXX to my own wallet and have it sold to dollars to my bank account. 
XXXX XX/XX/XXXX, Coinbase illegally locked my account when I tried to sell and remove the bankruptcy recovery. 
XXXX XX/XX/XXXX I contacted Coinbase to unlock my account and provided my SSN, My United States Identity Documents , and a selfie of authentication. The agent told me my account would be unlocked after XXXX hours. 
XXXX XX/XX/XXXX, I contacted their company again to escalate the case to unlock my account. The agent emailed me they needed to reset my password this time and resubmit my documents again. I followed their instructions and the company notified me they will escalate the case and unlock my account after a few days. # XXXX -On XX/XX/XXXX, I was suddenly sent an email to survey the resolution they provided for my case. I never received a resolution and I'm 100 % sure they closed my case without consent and providing appropiate contact with me. 

-As a result, on XX/XX/XXXX, I am escalating this significant case to CFPB. Coinbase illegally locked and is holding money that was recovered to XXXX XXXX XXXX who was the claimant of the entire XXXXXXXX XXXX In the fine print and their documents, Coinbase claims they will securely store and custody the money of the customer. These past actions breach their contract with me and they are illegally locking my finances and barring actions on my account they never provided communication they could have. 

Please refer to the following document on what Coinbase claims to provide to their customers. XXXX XXXX XXXX.coinbase.com/en/coinbaseXXXXcoinbase-XXXX
Product: Debt collection

I called fidelity creditor service XX/XX/2020 at XXXX call lasted 11minutes in attempt to start making payments. i was able to accomplish making a payment of {$50.00} on XX/XX/2020 at XXXX. i asked for some form of proof of payment the representative named XXXX told me " no '' they don't do that and that they wont give me anything until my debt is at a {$0.00} balance. she never had me sign an agreement for payments my payments are $ XXXX/month on every XXXX of the month. On XX/XX/2020 at XXXX lasting a total of 3minutes i called again spoke with a woman to make a payment of {$220.00} again no proof of payment not a receipt, email, or a contract because they refuse to give me proof. also if im making payments they should not be increasing my debt amount last reported increase was in XXXX of {$16.00} ( XXXX XXXX didnt give specific dates )
Product: Money transfer, virtual currency, or money service

XXXX XXXX, I was transferring money from my Bank account to Wise account. And theyve been declining. 
I called my bank and my husband went to the bank to authorized the transfer. And Been cancelled those paused transfer. 
And I made a transfer of XXXX XXXX dollar. Wise received that.and tried to send money. Was been pending, provided my income and Tax returned information. But I decided to cancel due to biased treatment. And takes a while to verify information. 
Also I transferred XXXX dollar from my bank to wise. As per my bank they cant reimburse/cancel the transaction because that and its been transferred to Wise. 
So Total of XXXX, and have existing balance of XXXX total XXXX XXXX dollar. 
All the required document like Source of income and Tax returns was being provided. And Now Wise Cancelled my Account. How do I reimburse my money? 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR XX/XX/2021
Product: Mortgage

I believe I am victim of mortgage servicing fraud. 

On XX/XX/XXXX I requested a copy of the assignment of mortgage from the servicing company On XX/XX/XXXX I requested a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

On XX/XX/XXXX I received a copy of the allege assignment of mortgage but I have received a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

I am current on my mortgage. Sixty days has passed since I submitted the RESPA request and Mr. Cooper has failed to reveal it's rightful claim to collect my mortgage payments. 

XXXX was fined for committing mortgage service fraud and I believe that Mr. Cooper is a conspiring party as well. 

Please help.
Product: Debt collection

I XXXX 2015 we recieved notice from a local collection agency that a garnishment was about to start. We never recieved any bills from this collection agency prior. We never recieved a court summons nor were we served. No serve notice from as sheriff or by certified mail. We were in the dark. 
We took this notice of garnishment to the collection company and were refused copies of a serve notice and refused copies of the bills. We were not permitted to speak with anyone in private over the matter and they made us announce all of our problems to the world at a desk in the lobby. We were belittled by the manager. They have since taken the money as well as more then they were suppose to garnish. And are now holding the overpayment with a threat of not returning it. We have XXXX children and are now behind on our mortgage, have been eating out of food pantry 's and are faced with our Electric and phones being shut off because these people took up to {$1000.00} a month from our pay since last XXXX. If we had been properly served we would have gone into court and fought them and the original debtor over the bills.
Product: Credit reporting or other personal consumer reports

Was trying to dispute things on my credit but everytime I tried Credit Karma said it had an issue and said to try again. It continued this for over 3 hours. I then tried to get help with an assistant and after getting in touch, she said let me check something, give her 2 minutes. I replied after 5, 10, then 20 minutes and still there was no answer. I couldn't file my dispute, get help on filing it, get help on why the site wouldn't let me, and more. The screenshot I took will also show the time at the top.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any knowledge about this matter, and the company initiated it without my authorization.
Product: Debt collection

I recently reviewed my credit report and notice two or more collection accounts on my credit report .I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Experian LLC .I also filed a XXXX REPORT XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPEN XX/XX/XXXX Total amount {$900.00} XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX DATE OPEN XX/XX/XXXX Total amount {$9800.00} XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPEN XX/XX/XXXX TOTAL AMOUNT {$9800.00}
Product: Debt collection

I was at work and got a call ( first a voicemail ) from someone who said they were with XXXX, XXXXXXXX XXXX XXXX. Because I had another account that I was under wage garnishment, this scared me and I thought they were real. They left a message that they were serving papers and needed to verify someone would be home Tuesday between a certain time. I called them back and they repeated this and when I asked the amount, they said " with the judgement, it is ... .. ''. I told them I didn't realize I had a judgement, I must not have gotten court papers. They said to save my credit they would work with me and reduce it down. THey said the debt was for GE Capital. I have NEVER received anything from this firm in writing about this debt, but because I didn't want a cop showing up at my home, I had them work a settlement. I gave them my credit card and asked for an email to confirm. WHen I got the email, it had the account number, so when I got home, I checked my credit report from XX/XX/XXXX on my computer and could not find it. I called them back and they did not want to provide the info. I kept repeating that I did not have that account number and then after telling them I was having XXXX dispute the charge, XXXX XXXX said it was a Lowes card from XX/XX/XXXX-XX/XX/XXXX. He never gave this info initially. They were clear they were issuing a judgement if I didn't pay it. I called XXXX to dispute the charge but they had to wait for it to actually post. I emailed XXXX XXXX back that I would not sign the credit card receipt and he basically said he didn't care because they have a voice recording and they record because of " people like me. '' This happened on XX/XX/XXXX.  The credit card charge was for {$910.00} and it wasn't even charged under the correct business name. I was speaking to XXXX, XXXXXXXX XXXX XXXXXXXX and the card ran as XXXX XXXX XXXX. THe address for the law firm was XXXX and the company that charged me was in XXXX XXXX XXXX. I now have no idea who has my XXXX card info. Again, nothing was provided in writing, nowhere in the conversation did they say I can dispute the debt and I never received anything by mail from them. They also did not state " This is an attempt to collect a debt. '' They asked that I return the credit card receipt signed-I refused. To this date, I have not signed the credit card receipt.
Product: Checking or savings account

As a law abiding gun owner I am deeply upset on how banking corporations are threatening business owners for exercising their Second Amendment rights. 
It feels like yesterday when these corporations received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. Citigroup as well as XXXX XXXX XXXX  have no business threatening law abiding business owners for exercising their Second Amendment rights. The only reason that they are even in business today is because American taxpayers bailed them out during the Great Recession. Instead of imposing its political agenda on the American people, they ought to be finding ways to help these mostly small businesses grow. They certainly shouldnt be threatening Constitutional rights. 
Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. 
Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.
Product: Payday loan, title loan, personal loan, or advance loan

This complaint is being filed against AFFIRM in regard to a " Notice of Dispute '' letter that was delivered to them on XX/XX/2024. I requested an investigation concerning an inaccurate account that I wanted either corrected or removed. It has now been 33 days and I have not been acknowledged or notified by the company regarding the investigation. The notice of dispute letter was mailed to them on XX/XX/2024. Their Furnisher Rule per 660.4 ( e ) and the Fair Credit Reporting Act only allows 30 days for creditors to investigate per FCRA 15 USC 1681s-2 ( E ) ( iii ). It has passed the 30 days permitted by law, and nothing has been corrected. This may also constitute a violation per FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ). I, XXXX XXXX, am rightfully demanding the deletion of this account based on these behaviors and failure to rectify the inaccurate account reported on my consumer report. The inaccurate account is damaging my reputation and character. As the Fair Credit Reporting Act permits, I want this account removed for violations of the FCRA. It is my federally protected right for remedy regarding this matter ( 15 USC 1681n ).
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 U.S.C. 1681 : Account Name : 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 XXXX XXXX  Violations : According to the Fair Credit Reporting Act : 1. 15 U.S.C. 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. These accounts violate this provision.

2. 15 U.S.C. 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If, after a reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete or modify that item of information based on the results.

( ii ) Notify the furnisher of the information that it has been modified or deleted.

3. 15 U.S.C. 1681s-2 : Furnishers must not report any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

4. 15 U.S.C. 1681b ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency without a permissible purpose.
Product: Checking or savings account

Bank is having issues and not depositing our bank account. Hundreds of people are having the same issues. Accts are going into the negative and were paying the charges for it. Not fair
Product: Credit reporting or other personal consumer reports

I have reached out to PDQ Services, INC in regards to them reporting inaccurate information on my credit report. Not only is this information inaccurate but it is also in violation on HIPPA rights. I feel that this inaccurate reporting is in direct violation of my protected health information. They have reported that I have a collection from XXXX XXXX  XXXX XXXX, XXXX. This inaccurate is very embarrassing and has caused me great XXXX. My attorney friend informed me that I should reach out to you to make sure that this inaccurate and embarrassing information is removed from my credit report immediately.
Product: Debt collection

COMPLAINT ID : XXXX I received a letter from Midland Credit Management stating that I owe them money. 

*I 've never done business with this company *I do not wish to do business with this company * This company has no signed documentation by me stating I owe them anything I want them to stop reporting on my credit and be removed from my 3 credit reports.
Product: Credit card

I have been Chase Visa card holder since XXXX. I have not used the card since XXXX XXXX. I was notified in XXXX of XXXX that the credit card account will be closed for non-use. I contacted Chase and spoke to XXXX people, XXXX being a supervisor. I was told that my file was reviewed in XXXX and XXXX of XXXX, before the decision to close the account was made. I indicated that I was never contacted about my file being reviewed and had I been made aware of this, I would have begun using my credit card regularly. The initial agent I spoke to stated that typically card holders are notified when their account is being reviewed. However, when I asked for proof ( copies of correspondence ), none could be found and the only subsequent correspondence I received, referenced the initial letter sent in XXXX. The most disturbing part of this whole experience, is that I was informed that if I wanted a Chase Visa card, I could apply for a new XXXX after the existing card was closed. This card is in my name alone and not connected to my spouse in anyway. It 's an important part of my credit rating, since I 've had it since XXXX and it has a high credit limit. I understand that Chase has a right to cancel my account. What I object to is the manner in which they did it. They never notified me or gave me an opportunity to correct the situation. Something you 'd expect, if you were a card holder for 38 years. Further, their suggestions of applying for a new credit card with them, smacks of bad business and dishonesty. A hard lesson learned, but hopefully someone else will benefit from my experience. Be careful who you choose to do business with. A bigger named bank or financial institution does not necessarily equate to better service or loyalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No- XXXX XXXX. Past Due- {$900.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX