23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please delete these outdated addresses and update the address with this one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am completely disgusted on the lack of communication and attention this file has received. I called today to find out if the value is in as it was completed on XXXX XXXX per the listing agent and I was told by customer services there was just a note in the system as of XXXX XXXX about loan modification. The opt out for the loan mod was even confirmed received by and confirmed by Supervisor XXXX XXXX on XXXX XXXX and XXXX XXXX stated on XXXX XXXX the file was assigned a short sale negotiator. I have had ZERO communications for said negotiator and this file has experienced one delay after another and it is completely unacceptable. The offer and complete packet were submitted over 80 days ago and there has been zero progress. It takes 5 outgoing emails to XXXX XXXX to receive a one sentence vague response. There is no excuse for the level of service that this file has endured.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, ONLINE INFORMATION SER added a derogtatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. They did not very this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Haveing serval inquiries that are not mine .possible due to data breach Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

Capitol One bank failed to notify or make a statement to their customers about not receiving their direct deposit checks in their accounts. Its being withheld from us from accessing information and accessing our own personal funds. Very inhuman and very unprofessional from a big bank company to treat their customers like this. I would like my money and I want to take HUGE legal actions
Product: Money transfer, virtual currency, or money service

I initiated a request to withdraw Bitcoin and Ethereum ( at time of writing together approximately worth XXXX XXXX ) from my Venmo account several times from XXXX XXXX XXXX XXXX XXXX. Despite repeated inquiries, Venmo has not provided a clear timeline for resolving the issue affecting these transactions. Each time, I received vague responses and was given the runaround without any concrete resolution or timeframe for when the bug will be fixed. This ongoing issue has prevented me from accessing my funds in a timely manner, and I am seeking a definitive answer and resolution from Venmo as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received my second notice from XXXX XXXX that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, XXXX and XXXX   has dropped my credit Score by 30-60 points and I would like to know why? A Rep a XXXX said that it is because I exceeded 30 % of my total approved limit for that particular card and that Creditors do not want you to exceed that  amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time  charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a duplicate debt reported on my credit report. It has already been reported on my credit report, and this new collection company, keeps reporting the same debt thats already on my credit report. Same debt, just a different collection company.
Product: Mortgage

I am trying to get PMI removed from my mortgage. My mortgage company is XXXX XXXX XXXX XXXX XXXX. My home purchase price was approx 200,000.00, Property value at time of purchase was XXXX. Now my property value is approx XXXX with a principle loan balance of approx XXXX, which makes my LTV approx XXXX.

I have followed the instructions from my mortgage company and submitted my requests in writing, but I have not gotten any responses.
Product: Debt collection

On XX/XX/2023, I mailed a letter to Consumer Adjustment via USPS mail, requesting documentation about account number XXXX because I was trying to verify if the account had actually been re-aged. 

To this date, I have not received any mail in return about the account and I do not know how to go about getting the details. To my knowledge, this account is inaccurate and older than 8 years and should no longer be reported unless this company has re-aged the debt to collect and report a balance that I do not recall. But without the documentation, I am at a loss. 

Consumer Adjustment is willingly violating my rights by ignoring my request and possibly violating my rights again by re-aging this account.
Product: Credit card or prepaid card

XXXX XXXX XXXX restaurant in XXXX, NJ changed the amount of my purchase to double excluding a {$12.00} tip after I left. I had a 25 % off any purchase coupon with no expiration date on XX/XX/2020. The bill was {$60.00} and I added {$12.00} tip based on the full amount prior to the coupon. The adjusted amount should have been {$45.00} plus {$12.00} tip = {$57.00} ; however, I was charged {$130.00}. Elan Financial Services of XXXX, MN was advised of a dispute and immediately closed my account and sent me a new card with a new account number. XXXX manages the card for XXXX XXXX XXXX XXXX, MA. After 6 weeks in which I was not contacted once, the fraudulent charge of {$130.00} was reapplied to my account. XXXX has terrible reviews on XXXX and other places on the internet. They have allowed fraud and not proven that they are competent to manage consumer credit. I authorize {$57.00} to be charged.
Product: Credit reporting

I have disputed these tax liens reporting on my Transunion Report many different times because these XXXX tax liens do not belong to me. I have dispute letters to Transunion on XXXX XXXX, 2016, XXXX XXXX, 2016, XXXX XXXX & XXXX, 2016, and XXXX XXXX, 2016. I am tired of disputing this inaccurate reporting. I am asking for your assistance in getting this matter resolved and removed from my Transunion Credit File.
Product: Credit card

Bank accounts were hacked after my husband died which cause me to have issues with bank on file. Added new bank made pmts through app even after pts were scheduled would get email advising payments still were not made which would cause me to think payments were not processed. Therefore, I would schedule that exact same pmt causing double draft due to company sending false emails and text messages resulting in yet another account being removed. I complained spoke to an agent on or around XX/XX/year> who advised escalation would be issued and the account would be added by management manually would add bank account back before the XXXXXXXX XXXX payment would be due if not complete then I could make the payment on time by contacting the collections dept and use my debt card to complete the pmt. Also asking that sup follow up which never happened. Attempting to pay on due date whas denied advised bank account was not added as I had been told also was denied of making a pmt per collections dept was told that all agents had lied asked for supervisor call again a total of 3 different times never happen. Got a collection call onXXXX seeking payment advised that late fee was added, and I could now make payment which caused the payment to increase causing me financial hardship due to misinformation between call center reps which is harming me after 7 requests for management and asking these calls be reviewed got XXXX help.
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, opened on XXXX XXXX balance {$64000.00} has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ( XXXX ) XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete 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 generallf, 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
Product: Credit card or prepaid card

I have paid without fail, more than the minimum payment to XXXX/Comenity bank every 2 weeks since XXXX 2019. I purchased less than {$2000.00} and was under the impression that I had paid off the account by what I saw on the XXXX customer portal. However, I started receiving collection calls and was told that I owed {$1200.00} and was being assessed late fees. I got onto the XXXX account portal and it says that I owe {$50.00} ... I challenged the person on the line and he got 2 different levels of managers who then said I owed {$1600.00} plus late fees and other fees. I pulled up my bank account and it shows that I have paid {$1500.00} to XXXX. I got onto the Comenity site and pulled down all of my statements they show all kinds of huge interest fees and late fees.
Product: Credit card

Barclays credit card with annual fee. 
They dont want to close the account and keep collecting annual fees. 
I stopped using the account since XX/XX/year>. 

Account no : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, 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. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX, etc., and so on!
Product: Credit reporting or other personal consumer reports

My mom passed away and as i was securing nancing to lay here to rest, i was alerted to accounts being on my credit report that didn't belong to me, XXXX XXXX XXXX XXXX XXXX these accounts are severely impacting my credit me for helping laying my mom to rest
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A charge of XXXX was placed on my credit card from XXXX on XX/XX/2021. I did not purchase anything from XXXX either in store or online. I have disputed this charge with Citibank and they found in favor of the merchant. I am filing an appeal with citibank while concurrently filing this complaint. I have reached out to XXXX at XXXX and they stated that they could not locate the charge. Citibank reversed the conditional credit given on XX/XX/2021 on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an established agreement with XXXX XXXX due to being impacted by the pandemic and XXXX is in violation and continues to tarnish my credit report while I have an arrangement with them. I called and was informed that they are behind and will continue to derogatorily report on my credit report.
Product: Debt collection

Received notice from Caine & Weiner about an allegation of a debt owed. There was no sufficient evidence to support or verify the debt belongs to me. This company is in violation of the FCRA reporting standards.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Over the past month, I've had XXXX previous purchases re-applied to my account and then immediately reversed ( see attachment for examples ). While these duplicate transactions appear to net to {$0.00} and aren't affecting the amount owed, XXXX can not provide a satisfactory answer as to why this is happening. It's very difficult to determine whether my current balance is correct when I have so many unnecessary transactions appearing on my statement. 

Additionally, not all of the credits back to my account are reversing my airline mile rewards. This will result in too many miles posting to my airline account ; when these are eventually clawed-back, this will impact my ability to earn loyalty points that I'm rightfully owed from all purchases made. For example, the website is currently showing that I will earn 15,590 miles in my next statement when I should only earn 80 miles. When Barclay discovers this error, they will prevent all rewards ( miles + loyalty points ) from being sent to the airline until I make up the negative balance. 

I've called Barclay XXXX XXXX since XXXX and have asked for a call-back from a supervisor, which has never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUES TO ALLOW XXXX XXXX XXXX XXXX FORMALLY XXXX XXXX TO ILLEGALLY AND INACCURATELY REPORT FALSE INFORMATION THAT IS SEVERELY DAMAGING MY CREDIT AND BUSINESS. XXXX XXXX CONTINUES TO REPORT FALSE OPEN DATES, AND CHARGE OFF DATES IN ORDER TO CIRCUMVENT THE STATUTE OF LIMITATIONS. THEY RECENTLY UPDATED MY CREDIT FILE TO STATE THAT THE ACCOUNT WAS CHARGED OFF ON XXXX XXXX WHICH IS 7 YEARS PAST THE ORIGINAL DATE. EXPERIAN REFUSES TO MAKE THE CORRECTION AND HAVE BEEN XXXX AND CONDESCENDING TOWARDS ME WHEN I ASK FOR EXPLANATION. 



611-609 STATES THE ANY INACCURATELY REPORTING IS GROUNDS FOR IMMEDIATE DELETION. A REPRESENTATIVE OF EXPERIAN WAS ON A CONFERENCE CALL WHEN XXXX XXXX WHO IS THE COLLECTIONS MANAGER AT XXXX  XXXX  ADMITTED TO REPORTING FALSE INFORMATION YET EXPERIAN DID NOTHING ABOUG IT
Product: Money transfer, virtual currency, or money service

This is the second time that Coinbase unfairly and through no due process just decide to restrict my account because they somehow had suspicions of fraud. The first time I had filed a complaint was when they decided they need to verify my account, again without any justifiable cause. 

Withholding and preventing me from transferring my funds out of my account for 30 days is not only unreasonable, it is outright abuse of power. From posts in online communities, it is also obvious, this is a common trend and I am not sure why it's not important for Coinbase to fix this process. 

Lastly, I request Coinbase to give me access to my funds so that I can cash out and close my account. I hoped the first time you restricted my account that this is just a one-off glitch and I was just unlucky. But now, it doesn't look like it. 

If you have reasons to believe I violated TOS, please clarify so that I am aware.
Product: Credit card

I called to upgrade my card from Chase Freedom to Chase Sapphire on XX/XX/2021 and the representative did not transfer my points over from Freedom to Sapphire. I was under the impression that the points will automatically transfer since that is what happened the first time when I called to change from Chase Sapphire to Freedom. The representative on the phone never offered to transfer the points to my new account and as a result I lost a total of XXXX. I have not checked on the points balance since we have no need for it during covid. When I checked last week I realized that my points were never transferred over. I reached out to customer service but they did not do anything. We have all our retirement accounts with Chase and in the process of moving another $ XXXX over to Chase. We have been happy with Chase until this incident and losing XXXX is not a small amount. We would like to get our points back and would really appreciate your help on escalating this issue.
Product: Credit reporting

On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, Transunion and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my TransUnion credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with TransUnion Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX TransUnion has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.