23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back on XX/XX/XXXX I contacted Conns XXXX XXXX regarding the balance of my account. XXXX ( XXXX XXXX stated I missed a payment back on XX/XX/XXXX. Therefore, the promotional was voided. I supplied bank statements to prove payment. After multiple phone calls and emails as of today this matter has not been rectify. Therefore, I'm paying more than what the agreement stated. I reached out again via email on XX/XX/XXXX ; XXXX and today. No response, I called and spoke with manager ( XXXX ID # XXXX ) she stated she will submit escalation ticket to review ( Ticket # XXXX ). They have told me this multiple times with no resolution. They are ripping me off and this is unacceptable. The documentation I have I'm unable to attached as it is personal information. If Conn 's XXXX XXXX neglect to rectify this issue I will seek legal action!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore. their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Debt was claimed in year 2000 by Alarm company XXXX for XXXX and has been on my Credit file! 6 years.Account # XXXX.held by Transworld systems- XXXX
Product: Vehicle loan or lease

Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a Natural Disaster Hurricane Francine. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$11000.00}, but the vehicle has been sold and the account has been written off. The balance should be {$0.00}. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential fraud.
Product: Student loan

last month made a payment bringing my total amount owed on my loans to {$160000.00}. Since that time my amount owed has increased to {$160000.00}. Navient has no information in any of the loan accounts documenting where that increase in the amount I owe came from. I have not taken any new loans from navient.
Product: Credit card

On XXXX XXXX. 2 fraudulent charges were made to my Apple Card in the amount of XXXX and XXXX. The charges were quickly disputed but were found in favor of the merchant with no evidence requested from me and no evidence provided by them that the charges were legitimate. I requested that information and have yet to receive it. After reinstating the charges I disputed them again and provided more evidence and requested evidence they found But have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by Equifax fraudulent practices, they assumed a vital role in evaluating my credit report and they didn't have my consent or my permission to do so per 15 USC 1681 A. They were unfair, partial and didn't not respect my privacy with grave responsibility that they assumed themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Captial One Bank USA, placed a credit inquiry on my credit report. The inquiry was made on XX/XX/XXXX. I have informed Captial One Bank USA that I have not applied for any type of credit from Captial One Bank USA. I have written several letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining that I have never applied for anything with their company, to date, I have not received any response to my letters. I also called several times, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Each time I called, they took my personal information and stated that they have put in a request to have this inquiry removed from all 3 credit bureaus, as they did not have a record of an inquiry from me. They also stated that I should wait 7 day and the inquiry will be removed for all 3 credit bureaus. They also stated that I will also receive a letter that this inquiry will be removed from my credit report. I have yet to see this inquiry removed or received a letter stating that is will be removed as they agreed that it would.
Product: Credit reporting, credit repair services, or other personal consumer reports

My query is with Equifax mishandling of my credit file..I have two updated reports which displays account closed with XXXX balance from creditor XXXX XXXX XXXX  XXXX XX/XX/2022 confirmation # XXXX XX/XX/XXXX, XXXX # XXXX Creditor responded to dispute with attached documents sent from equifax..As of XX/XX/2022 account now has balance and late notation..The Fair Credit Reporting Act requires credit reporting agencies to report 100 % true and accurate information on a consumer file ... The information listed is misleading and false..I have included a copy of credit report displaying the account as closed XXXX balance never late from the creditor..This information needs to corrected on my file.with all.haste... I am trying to.refinance my house..The information currently showing on.my file is not true and needs to be correct or deleted..Thank you
Product: Credit reporting or other personal consumer reports

I have a mortgage with XXXXXXXX XXXX  The mortgage closed on XX/XX/year>. They changed servicing companies about that same time, They started reporting my new mortgage twice on both our credit reports, my husband and me. 

They are also practicing at worst unfair and deceptive practices and at best incompetency. I got an escrow review letter in XXXX that spoke of a shortage, I paid that shortage with my XXXX Payment. Now my mortgage amount is showing higher. When I called I was told another mistake was made. Now I have two escrow statements ( I still have not gotten the second one, I just noticed it in my documents ) and it is unclear what I owe. When I tried to lodge a complaint about this and the credit report situation, the customer service person did not even seem to know how to lodge a compliant. They should have communicated that there was an error, they have my e-mail address and mailing address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information Reported by XXXX XXXX XXXXXXXX on Credit Report Dear CFPB, I am writing to formally dispute the reporting of inaccurate information on my credit report concerning the account referenced below : Account Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Account Type : Revolving ( Credit Card ) Upon reviewing my credit report, I identified the following discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) standards for accuracy and fairness : Account Status Misrepresentation : The account is marked as " CHARGE_OFF '' while simultaneously indicating that the account was " Closed at Consumer 's Request. '' These XXXX statuses conflict and create confusion about the nature of the account closure. 
Dates of Activity Omission : The " Date of Last Activity '' field is blank. This is crucial information that must be accurately reflected to determine the timeline of delinquency and reporting.

High Credit Information Missing : The " High Credit '' field is incomplete, which obscures the accurate reporting of account performance. 
Available Credit Inconsistency : The report lists " Available Credit '' as {$3600.00}, which seems inaccurate given the account is charged off and closed. 
This inaccurate reporting violates my rights under the FCRA, which requires furnishers and credit reporting agencies to ensure that all reported information is accurate and complete. Furthermore, I am referencing the {$3.00} XXXX fine issued by the CFPB against XXXX for providing inaccurate consumer credit information as a precedent for the importance of accurate reporting and the CFPB 's role in enforcing these standards. 

I request that the CFPB investigate this matter and XXXX XXXX XXXX XXXX XXXXo correct the inaccurate information or provide verification of its accuracy within the mandated XXXX window. I also request that this account be temporarily marked as " in dispute '' on my credit reports until the investigation is complete. 

Attachments : Screenshot of the account details for reference. 
Copy of my government-issued ID. 
Recent utility bill as proof of address. 
Thank you for your time and attention to this matter. Please let me know if you require additional information to proceed with the investigation. 

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

Last year I sent certified letters via United States Postal service to all three credit bureaus about false information reported on my credit. Enclosed is copy of information already resubmitted to be deleted and or adjusted correctly : Fix multiple names on credit report : Fix false addresses reported : XXXX  Late payment from XXXX was paid XX/XX/XXXX In clothes in this complaints or the following information to verify information is inaccurate and reporting falsely : Highlighted Payment on Credit Report : Untiliiy Bill With correct address : Proof of identity : Notice to furnishers : Copy of U.S. Code 1666b
Product: Credit reporting or other personal consumer reports

Bank of America knowingly and in a retaliatory fashion continues to report incorrect, erroneous and outright false information to XXXX, XXXX and XXXX without my express written permission as required under the FCRA and continues to re-age this alleged debt that has long ago been satisfied and is in fact a debt Bank of America owes to me and should not be reported on any consumer credit report as it is considered as income according to Bank of America. This account must reflect accurately or be removed from any and all reporting. The correct information is a XXXX balance paid as agreed. If Bank of America can not report accurately, they must not report anything at all, particularly as they do not have my permission to report anything about me whatsoever especially to XXXX, a corporation that is owned by Bank of America.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may excercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : XXXX Services Date opened XX/XX/22 Amount {$1000.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXl Date opened XX/XX/22 Amount {$1800.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/22 Amount {$870.00} Furnisher of information : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX 100 % attest that these are my physical findings of inaccuracies on my credit. 

I am writing to bring to your attention the improper and inaccurate information that is listed on my credit report with Experian, XXXX, and XXXX. Despite numerous attempts to have these errors corrected, the credit bureaus continue to violate the Fair Credit Reporting Act ( FCRA ). 

According to 15 USC 1681i ( 5 ), the credit bureaus have a legal obligation to modify or delete accounts that are not reporting accurately. However, the following accounts continue to be listed inaccurately on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian 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  In accordance with 15 USC 1681, I have the federally protected consumer right to privacy and confidentiality. However, the credit bureaus have continued to list inaccurate and improperly reported information on my credit report.

Furthermore, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notifying the credit bureaus that specific information is inaccurate, they have failed to take the appropriate action to correct it.

I have requested that the credit bureaus check and ensure that all information on my credit report is complete and accurate in accordance with 15 USC 1681i. However, I have not received any response from them within the 30-day timeframe.

Additionally, the credit bureaus have failed to record the current status of the disputed information, which is a violation of FCRA.

I am an FHA program buyer and Experian 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report.

Thank you for your attention to this matter. 

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

On XX/XX/XXXX I attempted to contact XXXX  to let them know that there was incorrect reporting on my credit report for the account of XXXX MC and I was not able to submit the dispute because it is stating that I already had an open dispute so I would not be able to dispute the information. 
On XX/XX/XXXX it was reported to Experian and XXXX  that the account credit limit was decreased to {$100.00}, this information is not correct. This same error has appear on my XXXX  Report as of XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with 3 separate representative from the XXXX credit card company and they all have stated that my credit limit is still {$1000.00} and there has not been a change. It was an error on the credit bureau part. Their phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. XXXX, XXXX XXXX, XXXX XXXX  XXXX.XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , 'XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX 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 an 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: Checking or savings account

On XXXX someone used my debit card in XXXX, VA and XXXX XXXX, CA at the exact same time for over XXXX dollars. I filed a dispute immediately and they said they would start it. They did not start it until XX/XX/XXXX and XX/XX/XXXX. They also keep changing my provisional Credit date and even denied one claiming that XXXX, who was the merchant this happened at provided evidence that it was me who did in fact do the transaction in two separate cities 3000 miles apart. I just got off the phone with XXXX and she said that no I didnt have any account or any sort of purchases on my account or anything like that and that I was cleared and thats what they informed chime of. so chime just flat out lied to me, saying XXXX was the one who said they had evidence. I have also asked four different times for documents, proving the evidence against me and they refused to send them out. The lady at XXXX said she is going to escalate this to her superiors and have them get in contact with Chime Who will explain that this was not anything to do with me because it happened at two separate XXXX  3000 miles apart. It sounds to me like Chime is purposefully lying to keep pushing off my temporary credit. I lost my job in XXXX and can barely make ends meet as it is. Having {$720.00} taken from me and not given temporary credit for it has made me late on bills and has honestly caused me a lot of anxiety and made me extremely upset. And I already suffered from panic disorder and XXXX. They also passed me around to every department over and over again so they could avoid answering my questions. It is now XX/XX/XXXX and I still have not received a temporary credit. I turned in a great deal of proof as well as documents, showing the identity theft that I have been dealing with for a year and a half. They have now also lied about the evidence from the merchant. I spoke with the merchant directly and they said I was clear because whoever used my card had a XXXX account and I do not.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I XXXX XXXX XXXX XXXX with Social Security Number XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/1994 XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

BLITT AND GAINES , P.C . sent me a letter sating I owe {$1800.00} and the amount from that creditor is {$1600.00} they are Attempting to charge an amount greater violates the Fair Debt Collection Practices Act ( " FDCPA '' ) and the XXXX Fair Debt Collection Practices Act. Also it's dated XX/XX/XXXX with no judge name or date on bottom. I didn't even open that account till XX/XX/XXXX and date of first delinquency was XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

i did not open account XXXX  account # XXXX
Product: Money transfer, virtual currency, or money service

Hello CFPB, I am writing to you because I have not received any satisfactory resolution from CoinBase for 3 months. 

I currently have around XXXX in funds which have been 'locked ' on CoinBase with no explanation. All of my account information has been verified and there are no informed locks on my account. 

For the last 3 months, CoinBase have not co-operated in finding a solution to this issue.

I have contacted CoinBase many times regarding this on multiple different platforms. All of my support cases get ignored, closed down as completed without response or I am provided with answers which provide no solution.

I can see from CoinBase support pages that there are thousands of new cases being created of a similar nature every day, on support pages such as XXXX.XXXXXXXXXXXXXXXXCoinBase. 

It is an incredibly frustrating situation and I do not know how I am going to get this resolved without contacting an organisation such as yourself. 

I believe that this needs urgent investigation, not only for my XXXX  but for other business and individuals falling victim to CoinBase 's non-existent support and in-turn suffering significant financial implications. 

My business has had to take out a XXXX loan to cover the money that has been locked on the business account. My business has also had to cover significant 'Exchange Fees ' to convert the Bitcoin to XXXX to prevent unwanted fluctuations in the value. 

Here is a list of the cases that I have created with CoinBase 's support system. I have received responses on very few of these case ID 's and none of the responses have resolved my issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX, XXXX XXXX