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

The monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with XXXX, TransUnion, and XXXX. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ic system company just report on my credit report about XXXX the have been closed since 2015 and the items be returned to them and bill as well and now used my information and privacy sell to three parts and need removed immediately
Product: Debt collection

I sent out a validation letter to verify this account XX/XX/XXXX and no reply was given. In fact the debt was sold to another collection agency
Product: Checking or savings account

My money is being stolen by the people the has control over my property address XXXX XXXX XXXX XXXX XXXX, NJ XXXX need help getting my property back from these people that has control over my property my money is being deposited into The Bank of America every month and credit cards has been order to steal my money every month.
Product: Mortgage

I've resubmitted a mortgage modification request with financials again. I've provided this information to my mortgage servicer several time. I requesting a mortgage modification with a fixed interest rate and 30 year term. My mortgage servicer has been unwilling to provide a modification with fixed terms and fix rate for my mortgage loan.
Product: Debt collection

My mother was called on her landline number and they were asking her where I was and that they are debt collectors. Clearly  that is not my mothers business and it was inappropriate.
Product: Credit reporting

I filed a complain against XXXX XXXX in regards to my daughter XXXX account. My contracted had ended and I refused to do a re-contract with them because of their poor business ethics. The closing balance was reporting as oweing {$1300.00} on my credit report. I contact them numerous times in regards to the balance. I was told that after auditing itemize the account it will be corrected. After Auditing was done they end up owing me money. Upon several month there was no changes made. So I then disputed the amount with the Credit Reporting Agencies. So instead of updating the account XXXX XXXX deleted the entire account as if it never existed. I called them XXXX different times as to put it back they keep telling me that is has been taken care of. They keep saying that they did it, its now up to the Credit Agency. I check Transunion this morning it still have not been placed back. Please keep in mind that this has been going on since XXXX 2014. I called today and they told me that they ca n't put it back because I request that it be removed. Why would I do that if it was a paid off account? So I then called to speak to a Supervisor. The XXXX says that its best to have it deleted because it was paid late. This account was not in late status I have proof from the documents I give to the XXXX.
Product: Credit card

I didn't have enough funds to cover the {$800.00} payment to PayPal credit card. 
I made another payment of {$820.00}, {$150.00} and {$410.00}. Because I miscalculated on the {$800.00} payment they are now holding all my funds until XX/XX/XXXX. 
The {$820.00}, {$150.00} and {$410.00} were taken out of my XXXX checking and given to PayPal credit card. 
Yet, they refuse to let me have access to my money. This is called theft. 
If a criminal on the street robbed me of these funds I could call the police and file a complaint. 
This is why I'm filing this complaint, in the hope, that CFPB can resolve this issue and I can have access to the {$1300.00} that I deposited into PayPal credit card. 
The additional problem is this. I have a credit limit of {$900.00}, so PayPal won't be able to put {$1300.00} onto my card, unless the give me an increase. 
What a mess they've created for me.
Product: Money transfer, virtual currency, or money service

I was locked out of my Coinbase account and no longer have access to the email address associated. 

Back in XXXX I contacted Coinbase and was directed to make a new account which i did. They then had me upload information to verify my identity.

Since I uploaded all that was asked, I have received no response or access to my old account.

Since my initial complaint to them the value of the portfolio has more then tripled.

I filed a formal complaint with Coinbase over a month ago, was told a specialist will reach out and once again received nothing. I am currently filing another formal complaint with them.

Coinbasess communication is horrendous and actions are unethical. They are clearly keeping my portfolio and riding the recent boom to there benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Lexis Nexis, XXXX, XXXX and XXXX   involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections inaccuralety. They are required by law ( FCRA ) to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what they " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS and I attached proof of this. I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of Lexis Nexis, XXXX, XXXX and XXXX   refusal to investigate properly.
Product: Debt collection

[ Experian ] [ XXXX XXXX XXXX XXXX, Tx XXXX ] Subject : Dispute of Unauthorized Credit Inquiry Under the Fair Credit Reporting Act Dear [ Experian ], I am writing to dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute and request a reinvestigation of any information on my credit report that I believe to be inaccurate or unauthorized. 
The specific inquiry I am disputing is as follows : 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 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 XXXXXX/XX/XXXX I did not authorize this inquiry, and it does not meet the permissible purpose requirements outlined in 15 U.S.C. 1681b. I am requesting that this inquiry be investigated, and if it can not be verified as legitimate, it must be promptly removed from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written response detailing the results of your investigation. This response should include the steps taken, the findings of your investigation, and any documentation used to verify the legitimacy of this inquiry.

To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID to confirm my identity. 
A utility bill or bank statement to verify my current address.

Legal Obligations : 1. 15 U.S.C. 1681i ( a ) ( 1 ) : Credit bureaus must conduct a reasonable reinvestigation of disputes and verify the accuracy of the information in question.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If an item can not be verified, it must be promptly deleted from the credit report and not reinserted without proper certification.

3. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Credit bureaus are required to provide a detailed written response explaining the results of the investigation and any actions taken.

As mandated by the FCRA, I expect this investigation to be completed within the 30-day timeframe established by 15 U.S.C. 1681i ( a ) ( 1 ). If the inquiry is found to be unauthorized, I request its immediate removal and written confirmation of the resolution. 
Should you require further information or have questions regarding my dispute, please contact me directly at [ XXXX ]. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]
Product: Student loan

I already submitted a complaint ( see account ), which MOHELA just copied and pasted some boiler plate nonsense about the SAVE plan being blocked. This does not to address their 9 month delay in processing my IRB request last year or the fact they have repeatedly reflected incorrect status ( including missing payments ) on my student loan accounts that have resulted in incorrect negative reporting to credit agencies.
Product: Checking or savings account

I used my Coinbase XXXX card 2 times at a XXXX store for purchases. One debit on XX/XX/XXXX19th for {$24.00} and a second one on XX/XX/XXXX for {$70.00}. The debit transactions initially showed up as pending transactions for {$120.00} each and that amount was deducted from my account. This is normal for a few days to a week and then the actual charges will show up and adjust the amount deducted. After a month I complained to Coinbase because the charges were still showing up as {$120.00} each. Coinbase then changed the charges from " Pending '' to " Completed '' but still at the erroneous amounts. I have contacted them multiple times via phone and email to no resolution. Even asking to speak to a supervisor which they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$80.00}, XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank stopped sending our XXXX statements. 30 year perfect history with Chase with multiple accounts. They claimed we went paperless, but never sent an electronic notice or statement of any kind for the second account. Immediatley brought account current when discovered. Our credit card statements come in the mail as well as electronic notices, but nothing for this other account. If you go paperless they should send you electronic info. Sent a certified letter on XX/XX/XXXX, with no response to XXXX XXXX at Chase. USPS in XXXX, LA says Chase picks ups and scans their own mail. They failed to scan this letter to XXXX XXXX, but verified they recieved it on XX/XX/XXXX .They are greatly affecting our credit with this which is absurd. We need immediate resolution.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Prepaid card

I purchased the American Express gift card XX/XX/year>, I paid a total of {$420.00}. I activated the card & attempted to use the card at XXXX different places getting declined for all expect XXXX place that only let me spend {$11.00}. So I have {$400.00} stuck on this card & im extremely upset about it.
Product: Bank account or service

I have a checking and savings account with Chase and reported my ATM card stolen and someone used oved {$4000.00} at XXXX without using an ATM pin and was successful at getting the cash. The bank stated that my signature matched the signature on the receipts and they took the money from me. I later used the ATM machine at XXXX and when I attempted to use the ATM machine it stated it was not dispensing receipts. I notified the casino cage and was told that my account would not be debited. The ATM machine is owned by a company in XXXX Nevada and I contacted them and was told to file a dispute with my bank. I contacted Chase again and continue to talk with people in foreign countries and continue to get different responses. One senior Representative with chase told me that when you 're dealing with a casino " it 's nearly impossible to get your money back ''. With that being said they should warn customers not to use casino ATM machines. I never took over {$10000.00} from my account at an ATM machine because the machine was not working. I gave a cocktail waitress my ATM card to buy a drink and believe that they used the card to get money from my account. I asked Chase 's fraud department to request receipts from the casino and ATM company so that we could resolve this matter and they are refusing to do so. I was told that they would further investigate the matter and have never received a response. I recently called Chase for an update and was told that it was closed and I 'm not getting my money back. I have an ATM limit so how can someone take that much money from an account? What 's the use of filing a fraud claim if they 're not going to fully investigate it? Chase was able to get copies of signed receipts from the first claim, but on the second claim said the ATM company is not cooperating. How can someone take over {$10000.00} from your account and tell a bank they wo n't provide receipts showing that it was me? There was no ATM pin number used and I know that the transactions do not belong to me. I found documentation online that this same company has done this to several people and nothing is being done about it.
Product: Debt collection

The collection agency are attempting to falsely collect a debt I do not owe by damaging my credit report. I requested for debt validation including all receipts and copies of any bills I am being charged but to no avail. I am also being charged for staying over my least from XXXX/XXXX/2015 to XXXX/XXXX/2015 but I have proof that my new lease at my current residence was signed on XXXX/XXXX/2015 which proves I moved week before my lease ended. This inaccurate credit reporting has caused serious damages to lifestyle.
Product: Debt collection

In XX/XX/XXXX, I purchased a phone from XXXX using a Synchrony Bank financing service. I set up an automatic payment from my bank to pay the agreed amount each month. Within the first few months, I was assessed a late fee, as my payments were being made too early in the cycle and XXXX posted in XXXX billing cycle, and XXXX posted in the following cycle. I contacted Synchrony, they apologized and reversed the fee, and I adjusted my automatic payment schedule to be later in the billing cycle to avoid this happening again. 

Then, in XXXX of XXXX, the payment was due on a bank holiday, so the automatic payment posted the following day. This resulted in a late charge. I didn't realize this had happened for a couple months, then reached out via their web portal and requested abatement of the first late fee transaction, since all subsequent fees stemmed from that one, but the system misapplied that request to the second assessed fee rather than the first. 

I then reached out multiple times to their customer service representatives, who explained that I had already requested the maximum amount of reversals and there was nothing further they could do. They have since 'closed ' the account and reported it to credit agencies as a delinquency, significantly impacting my credit score. I have continued to pay the original monthly charge on time each subsequent month, but the predatory cascade of fees and interest assessed on previous fees and interest has grown to an outstanding balance of {$400.00}, all stemming from the first late charge and not from any additional borrowing.
Product: Debt collection

XXXX calls my telephone number about once a month and has for three years to ask or leave a message for a debt that I do not owe. In fact, they company asks for a person who is not me. 

They have indicated that they will remove my name from the database, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this conns credit corps account number XXXX many times and Transunion continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. This account number is also a duplicate account with a different balance of XXXX. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and the refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/2016. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both duplicate acccount one of XXXX and the other XXXX they are both charged off the balance should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXXto XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
Product: Vehicle loan or lease

For the past year i have complained about thus company distorting the facts on my credit report affecting my credit score. Now i made a payment on my loan on XX/XX/2021. Immediately after they took the payment i checked the payment history. Instead of crediting my account on the day they received the payment the date was set in the future so that i would be charged 2 additional days of interest on my loan. This has never been the case.The payment date always reflected the date it was received and the interest was taken for the correct amount of days. Its a simple interest loan and all interest is calculated between the date of last payment. Because they did this i was charged more money than i should have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, the following company obtained an unauthorized credit inquiry report against my consumer profile in violation of 605a [ 15 U.S.C.1681 ( c ) ] Identity theft prevention ; fraud alerts [ 15 U.S.C. 1681c-1 ] by failing to perform verification as outlined within the 15 USC 1681 FCRA under 605A for Identity theft prevention ; fraud alerts on my consumer profile. 
TRANSUNION LLC failed to follow protocol and verification stated within [ 15 U.S.C. 1681c-1, 605A ] profile which states to follow clear guidelines in obtaining and/or release of consumers file of Identity by verification for theft prevention clearly under limitations and verification of release of information which includes calling phone number listed within the consumer file as guaranteed under 15 U.S.C. 1681c-1, 605 ( A ) ( SEE BELOW ) TRANSUNION LLC failed to follow the procedural guidelines as outlined within 15 U.S.C. 1681c-1 605A for the protection of identity theft victims in their conduct and retention of an unauthorized inquiry and release of my consumer profile. 
605A. Identity theft prevention ; fraud alerts [ 15 U.S.C. 1681c-1 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX Cred # XXXX is reporting an account to my credit that is past the Statute of Limitations in Utah . I no longer legally owe this debt and I need it removed off of my credit report.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian, XXXX, and XXXX credit report on XX/XX/year> and noticed some things are incomplete with adverse information 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 general, 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.