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

Loan appeared on my Equifax report an account had been opened for a car loan with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I contacted XXXX XXXX on XX/XX/XXXX and informed them and provided all my my personal information and they reported no account was open under my ssn, name, phone, etc.. 

I made a dispute with Equifax on XX/XX/XXXX. Dispute # XXXX. 

Results were obtained on XX/XX/XXXX indicating account was verified. 

On XX/XX/XXXX, I called XXXX XXXX again and informed them again and they again asked for all my info and denied there was an account including one ending in the alleged account Equifax is reporting. They stated they would open a dispute on there end. 

On XX/XX/XXXX, I made another dispute with Equifax dispute # XXXX and informed them again of my attempts to dispute with XXXX XXXX. Results are pending, however, I fear the same results will appear based on my prior attempts to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX to obtain my credit reports. For the last three years ( since about XX/XX/2017 ), Experian has refused to provide my credit report online. Each attempt results in the following error : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form.

XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have been able to obtain my XXXX   and XXXX reports without any problems. 


XXXX
Product: Checking or savings account

on XX/XX/year>XXXX  called PNC to file a dispute on an item in my account thats a duplicate of a previous charge by a governmental entity. I was shocked to hear the person who picked up the phone was a typical foreign call center individual. 
I find it alarming for PNC to use an off-shore call center in XXXX to handle peoples finance and bank accounts here in the US. 
This cost saving method is definatively an open door to potential identity theft in the future. 
The representative also did not under english well enough to understand my concern where I had to repeat myself multiple times to help her understand what I am talking about. She can not comprehend certain things and it took " 17 minutes to file a dispute on a single charge.

When she came back on, she read off the disclosure and part of it states PNC has up to " 90 '' calendar days to work on the dispute. 
It seems PNC is cutting cost in the way of costing customers their security, privacy and time. This is not a good look for a financial institution who possesses sensitive information to thousands of invidious and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$890.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After months of arguing, I did file a BBB/ CFPB complaint against KEY Bank . Well last week I was sent a letter and a check telling me now that they closed the account that they refused to close prior to the complaints. Also in my account before the illegal debits was {$21.00}, they sent me a check for {$14.00}, thus taking more of my money that they are n't entitled to. how can they get away with this stealing? and as of yet not one phone call from the corporate office in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the inaccurate Personal information as well as the remaining unauthorized inquiries reporting on my Credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information reporting on my Credit report. I have been sending dispute lettesrs to the Credit Bureaus and have been waiting for their response and yet I received nothing! I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. If it is not too much to ask for, I want the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2020
Product: Money transfer, virtual currency, or money service

Coinbase is basically XXXX of only XXXX XXXX exchanges I can use legally, and XXXX has been under attack by regulators. It is already unfair that I am limited to these XXXX approved options, especially when I never once had a problem with XXXX XXXX or any other exchange before I was required to use these " official '' ones. They should be under high scrutiny as the only XXXX. 

Instead of high standard, Coinbase invited me recently to use their " Futures '' products, in " Advanced mode. '' This mode of trading is completely fraudulent compared to all similar offerings that use the same 'Futures ' term to describe their offering. 'Liquidation ' is happening at incredible rates, and significantly benefitting Coinbase to users ' expense. 

Their futures program is atypical and predatory : Users can not choose the term length of 'contracts, ' they can not choose the leverage rate ( XXXX is locked in and is high and dangerous ), ***and while they can not choose the leverage rate it does not display the liquidation threshold***. This is crazy. While I am not heavy into XXXX, I have used similar products from as early as 2018, and I *never* got results like I did with Coinbase 's XXXX ' product. The math doesn't work at all, and I checked with reddit and basically crowdsourced an answer to confirm. 

At XXXX leverage on a long contract, for example, the product should be liquidated when the price drops to basically 71 % of it's initial value + fees. However, XXXX of these contracts I purchased, *in which the liquidation threshold is hidden or obscured*, liquidated with less than 10 % overall price movement. For a XXXX leverage contract to liquidate at less than 10 % price movement, *regardless of the fees, * is XXXX XXXX. 

Within XXXX hours I saw this and immediately demanded Coinbase refund the XXXX contracts purchased, including the liquidated one. I have XXXX desire to use this product. Further, this is so bad it's like straight sabotage to the industry at a critical time when XXXX is supposed to grow for the halving. It is beyond negligent for Coinbase to launch this product and offer it literally to anybody, no matter what disclosures they offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 4 separate requests for original documentation of 4 unverified accounts pursuant to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), found on my credit report. They were sent via CMRR on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have documentation of their receipt from USPS. They have sent back refusals to reinvestigate the 4 items in  question. All of the aforementioned requests were notarized and therefore, legal documents. 
Experian is unlawfully refusing to furnish me with the documentation, that is clearly within my rights, as stated by law. 
This is my last step before litigation.
Product: Debt collection

I purchased a Washer {$790.00} Dryer {$790.00}, Hoses {$50.00}, Compact Air Conditioner {$410.00}, Headphones {$350.00} Steam Vacume {$240.00} Microwave {$170.00}, and installation {$110.00}. plus taxes total of {$3400.00} When I went into the store to purchase these items I had a {$2000.00} line of credit but as I was shopping and running out of credit the salesman said you have enough and approved me for another {$1000.00}. They had a promotion that week for 2 years no intrest. I was told that I would be getting the contract by e-mail that night or the next day. What I received about 2 weeks later was a payment book with the amount of {$190.00} to be payed monthly, I received no contract even though I called them after delivery of the microwave, washer dryer, which was delivered 2 days after purchase. around XX/XX/XXXX. My call to them was that I was being charged over {$6000.00} when I only had {$2000.00} credit! Also they delivered the wrong washer, Also they added an Insurance Plan which I did not authorize in the amount of {$3100.00} from XX/XX/XXXX to XX/XX/XXXX at {$44.00} monthly. The person I spoke to when I called the 1st time could not help me since she could not locate a contract #, or purchase order # or anything for that matter. So I called them back a week later and the answer was to go to the store that I purchased these things at and bring a homeowners insurance policy to show that I am covered in case something happens to the items. And then they would cancel the insurance that they charged me for. According to their rules I had 30 days to send back anything I did n't want. But as of today I have still not received a contract. Nor did I get the 2 years no interest this I got from the person I spoke to on the phone.. I told her that I am XXXX and do not have anyway of bringing these items back to the store and it stated on their website that they would pick up these things but with a 15 % restock fee which they wanted upfront. { not stated on their website }! So all together for a purchase of {$3400.00}. I got a total bill of over {$6000.00}, but no contract specifying the purchase prices, the type of financing, interest and term or any other terms and conditions, just a bill incorporating many extra insurance products for an amount exceeding my credit limit by an extraordinary amount and further no creditor would extend that much credit to someone who lives on {$800.00} a month social sercurity XXXX, the income would never support it! 2 or 3 days after I made the purchase, I contacted Conn 's and told them to pick up everything except for the microwave. But they have not come to pickup anything, and I can not bring them to the store. All of these things except for the microwave, washer and dryer and air conditioner have not been used and are still in the original boxes.
Product: Mortgage

Chase wrote me a form letter promising a " Chase Closing Guarantee '' of {$1000.00}. I called the number and spoke to XXXX XXXX who then ended up quoting me a rate of 3.0 % for a 7/1 ARM ( they have my current mortgage so I qualify for the " Guarantee ''. The follow-up was for me to unlock my credit and send account statements - which I did the next day and asked to loct the rate. No response that day ( XXXX ). On Thursday ( XXXX ), I contacted them, again. He responded by saying that he had nbeen out of the office the day before and acknowledged receiving my XXXX e-mail and said he would get back to me that day - no mention of rates moving up and no follow up on XXXX as promised. I -emailed again on XXXX asking to fix the rate - no response or follow up that day either. I emailed again on Saturday XXXX saying that I was anxious there had been no follow up and that I had turned away another lender that had made a commitment to refinance my mortgage at a slightly higher rate so that I could refinance with my existing lender at the better rate. At this point, XXXX XXXX toells me that the rates moved UP (? ) on XXXX ( three days earlier ) and that he still hadn't pulled my credit. I believe this is more than simply bad communication or followup. It was bait and switch. They quoited a rate, stopped responding to my e-mails ans said their rates had increased. That is baloney.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to XXXX XXXX about debt validation, and they could not validate the debt. so, I sent Equifax. a copy of the letter and copy of the certified receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Nv. XXXX ( XXXX ) XXXX Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX {$2100.00} is the debt amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same information on my credit report was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX {$13000.00}
Product: Credit card or prepaid card

On XX/XX/2020 while reviewing my American Express Serve account online, I noticed a {$420.00} " transaction pending '' transaction. I immediately contacted American Express Serve to inquire about the charge. They informed me that it was for an XXXX   purchase and the payment was processed through XXXX. I informed American Express that I did not order anything from XXXX in the amount of {$420.00} nor did I have a XXXX account. I also informed American Express Serve that I did not recognize the merchant and I did not make nor authorize any such charge to my card. I then instructed them to immediately cancel my card, AND DO NOT PAY THE MERCHANT as I did not make the purchase and there was fraud on my account. They closed my card and reissued me a new card.I checked my account on XX/XX/2020 and noticed that American Express Serve paid the merchant anyway after I instructed them not to. I completed the declaration of Fraud form per their instructions and provided supporting documents from my XXXX  account showing that I had not made any such purchase for {$420.00}. I then received notice that American Express Serve denied my claim. I requested another investigation be done and asked them to provide me with all of the information they relied upon in making their denial to accept my claim. I have not received anything from American Express Serve. I filed a second fraud claim and provided more evidence ( see attached ) from both XXXX who confirmed that no such purchase was made on my XXXX  account and that I did not have a XXXX account connected to my XXXX account. I also provided them with verification from XXXX confirming that I did not have a XXXX account the day of the purchase. My XXXX account was not created UNTIL XX/XX/2020, three months AFTER the fraudulent charge to my Serve Card was made. XXXX had no account for me and could not locate any account under my name at the time the charge was made, and indicated that my bank needed to refund my money. Again, American Express Serve denied my claim ; stating their decision was based on " after reviewing your XXXX purchase history, you must have authorized the purchase. ". This is totally absurd as both XXXX and XXXX have indicated that I never made any such purchase on my XXXX account, nor did I have a XXXX account to process the payment. American Express Serve simply refuses to refund the {$420.00} back to my account and ignore all of my requests.
Product: Debt collection

XX/XX/2018- Convergent sent a letter alleging that I owed them a debt. 
XX/XX/2018- I responded to Convergent disputing the validity, legal authority and requesting an original contract between myself and Convergent. 
XX/XX/2018- Convergent sent a letter simply stating that such debt was valid. 
XX/XX/2018- I sent another letter to Convergent once again disputing the validity and legal authority of them to assert such a claim.
Product: Credit card

Bank of America charged me a late credit card payment fee of {$40.00} on XX/XX/year> when my payment was due on XX/XX/year>. According to a new law they are NOT allowed to charge more than an {$8.00} late fee.
Product: Debt collection

I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints.
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Incorrect Bankruptcy Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute an incorrect bankruptcy record listed on my credit report. The entry reads as follows : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Public Record REF # : XXXX According to the attached letter from the United States Bankruptcy Court, District of Nevada ( dated XX/XX/XXXX ), the court does not report any information to credit bureaus. This indicates that the bankruptcy information on my credit report is inaccurate or may have been reported by a third party in error. 



I request that this erroneous information be removed from my credit report immediately, as it negatively impacts my credit standing. Enclosed are copies of : 1. The letter from the Bankruptcy Court stating they do not report to credit bureaus. 

2. A copy of the credit report showing the inaccurate bankruptcy record. 



Please conduct a thorough investigation of this matter and correct my credit report accordingly. I request a written response confirming the results of your investigation. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) never validated or verified public record. Bankruptcy court doesnt give out this information. 

15 USC 1681b ( aN ( 2 ) No consent to furnish any Bankruptcy information is EXCLUDED from Consumer Reports.
Product: Checking or savings account

I recently saw that Navy Federal was fined for illegal overdraft fees. For years I would get overdraft fees from Navy Federal and not understand why. I always assumed it somehow did something wrong, but now Im unsure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with credit XXXX bank back in XXXX I close the account. I only had a {$300.00} credit limit upon closing the account. I had a balance of {$200.00} I have since then made a chance to pay the balance but they keep telling me that I dont owe them any money yet. This is on my credit report for {$700.00} reported by LVNV FUNDING LLC. I DONT KNOW WHO THESE PEOPLE ARE AND THE DATE ON THE CREDIT REPORT IS XXXX AS I SAID I HAVENT HAD THAT CARD OR THAT ACCOUNT SINCE XXXX AND I DONT KNOW HOW A {$200.00} BALANCE TURNED INTO {$700.00}.
Product: Mortgage

I set my house payment on a automatic payment plan with my bank. 
they send me a letter saying I was cleared to have that loan payment to the mortgage company withdrawal. 
I when on vacation and was force to stay due to Coron viruses and did not have information autocratic withdraw. My bank said it was the mortgage fault. The mortgage said it was the banks fault. I know and have the letter the bank sent me on the withdraw so I believe it is the banks fault for not honoring the letter. 
The mortgage company place a thirty day late payment on my report and now my score dropped.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax experienced a large data breach and proceeded to withhold that information from its customers.
Product: Money transfer, virtual currency, or money service

I use XXXX frequently and money was lost both being sent and received