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

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}
Product: Debt collection

im getting collection calls for a XXXX XXXX from XXXX XXXX XXXX, when I advised them I have no contact with him and to remove my cell number she said no and hung up, I called them 3 times and she picked up and hung up. I then received 16 more calls from that number leaving automatic messages. XXXX picked up the phone, and said she will not remove my number. and called back 4 additional times the auto messages states to call XXXX XXXX XXXX ref # XXXX 3rd attempt, all messages are saying 3 rd attempt
Product: Debt collection

On, XX/XX/2022 I received a notification to pay a debt to Account Control Technologies for an outstanding balance to XXXX University. I made the payment by phone on XX/XX/2022, but I didnt receive any receipt of payment made in full letter. Now this was not reported to XXXX and Account Control Technologies does not see the payment. The payment was for {$650.00}
Product: Credit reporting or other personal consumer reports

Sending this complaint as a guarantee to make sure that these XXXX remaining fraudulent inquiries will be removed from my credit reports. I have sent a complaint pertaining this issue dated XX/XX/XXXX, and I am sending another complaint again to make sure that these inquiries be removed within 15 days time. Requesting the XXXX and Equifax Credit Bureaus to please see the inquiries listed in this complaint for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX I was switched from a store charge to a Master Card w/o my knowledge or consent from another provider. Causing my Bill to get messed up. When I found the auto payment options messed up from my bank I filed a dispute with them and have yet to heard back. I spoke to the charge company and cleared up the past due amounts about a month ago and explained I also couldn't get into my account and didn't have a card. The took the payment fine and then magically the call was disonnected. That was over a month ago the whole time I have been locked out of my account unable to initiate automatic payments and they will not assist me to get logged into my account until I receive the credit card which they keep not sending me. The state the need the CVV code in order to help. When I ask why she just puts me on hold. This is an impossible situation. I will likely be cancelling my card. I have been a sears card holder for years. The customer service representative pretends to transfer me to a supervisor and comes back every 5 minutes to let me know that the supervisor is helping someone else. NO offer of a call back nothing. Still won't tell me why I have to wait for the new card. NO answers just a game. Still on this phone right now for over 25 minutes holding and being threatened she will disconnect the call.
Product: Vehicle loan or lease

We purchased a XXXX XXXX XXXX and increased our payments to get the vehicle paid off within XX/XX/2020. 

They claim they never got the extra payments or they were not applied correctly. 

They have done this, as well as selling lemons as well. Check your Attorney Generals office. Theyve lost quite a few cases.
Product: Credit card or prepaid card

Dear Sir/ Madam, Please find attached some documents regarding my complaint. 
I have had an account with Comenity Capital Bank for several years and have always made my payments on time. This card offers interest free loans for certain number of months for dental work that is not covered by the insurance. I had some dental work about almost {$3000.00} at the beginning of XXXX ( not sure of exact date ). The credit card company had my account as paperless and just sending me reminder emails for my payment. As you can see I have always paid over and the minimum payment thinking I would pay it off on time. If the loan was promotional and only for so many months, an honest organization would divide the amount by the number of promotional months and show that as the minimum payment. But this organization had some strange calculation of minimum payment which was a different amount every month. I kept making my {$150.00} payments and according to my calculations it should have been paid for this XXXX of XXXX. I call customer service and to my surprise found that the promotional time was up in XXXX of XXXX and they charged me over {$1200.00} in interest and when you see the transaction document now they are charging interest on interest. If they have send me a reminder in XXXX to either pay this amount or we will charge interest from the beginning I would have paid it instantly. But they were hoping for me to pass that date so they could collect interest dollars. I am XXXX XXXX XXXX, taking care of my XXXX  XXXX son and dont have time to read every fine print. I emailed the company on XX/XX/XXXX and followed up on XX/XX/XXXX with no response. 

I hope you can see the unfair practice of this company and help me with this situation., Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Cell XXXX
Product: Credit reporting or other personal consumer reports

I recently found a memo from XXXX stating that child support collections are not credit transactions and excluded from Consumer Files. XXXX and XXXX are willfully neglecting and non compliant to the FCRA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I received a letter from Synchrony Bank stating that I opened a credit account with PayPal on XX/XX/XXXX and closed by me XX/XX/XXXX. I have never heard of PayPal prior to my opening an account with them in XXXX, which I am still using. I applied for their Master Card in XXXX and was denied, stating the above reasons. I maintain that I never heard of PayPal at that time, and these were not my actions. I have spoken to Synchrony Bank several times and it seems that they can not solve this problem. I received from XXXX XXXX on my computer, many names the same as mine and believe Synchrony Bank is mistaken in their findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

That a fair investigation by Equifax would have elicited information about events or discussions that transpired among me ( XXXX, XXXX ), my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of Justice XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by Justice XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, Equifax 1. Refused to investigate the reason for and meaning of the judgement of Justice XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that Justice XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX denying the opportunity to settle, negotiate or dispute the debt. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of Justice XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ).
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Coinbase, a financial service provider, due to their unfair and arbitrary restrictions imposed on my account. I find myself in a distressing situation as I have been permanently banned from sending assets off of their platform without any reasonable explanation or evidence to justify their actions. I firmly believe that I am a victim of Coinbase 's opaqueness and lack of transparency in handling customer accounts. 

I want to emphasize that I have not engaged in any suspicious or fraudulent activity whatsoever. Despite this, Coinbase has unjustly restricted my account, hindering my ability to utilize the assets I rightfully own. I vehemently challenge Coinbase to provide any concrete evidence supporting their baseless claims. As a user who has consistently used Coinbase responsibly, safely, and securely, their vague justification to " protect from scam or fraud '' is nothing short of an unacceptable and inadequate response. 

The lack of clarity from Coinbase regarding the specific reasons behind this permanent ban only deepens my sense of injustice and frustration. My numerous attempts to seek an explanation and resolution from their customer support have been met with automated responses, vague replies, and no substantive actions taken to address my concerns. 

I consider Coinbase 's actions to be an abuse of power and a violation of my rights as a customer. This sudden and unwarranted restriction on my account has caused me significant financial and emotional distress. Moreover, Coinbase 's unwillingness to provide transparent and accountable support further exacerbates the sense of helplessness and vulnerability that I am experiencing. 

Therefore, I urgently request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust ban on my Coinbase account. I implore you to hold Coinbase accountable for their arbitrary actions and compel them to provide a valid and concrete reason for the restrictions they have imposed on my account. Additionally, I seek your assistance in ensuring that the unfair ban on my account is immediately lifted, and my access to my assets is restored without further delay. 

I trust that the CFPB will conduct a thorough investigation into this matter and help bring an equitable resolution to this unfortunate situation. I look forward to your prompt attention and action in rectifying this matter and ensuring that other customers are protected from similar arbitrary actions in the future. 

Thank you for your understanding and support. 

Sincerely, XXXX
Product: Credit reporting

I had several issues over the past years that had caused me to become delinquent with my mortgage account, at one time, I used to travel for work and had to rely on my own funds to travel and my company was not very punctual with replacement payments which caused me to become delinquent on my account, then I had medical issues which, again, caused me to become late with payments. I have since become current on my mortgage, after a loan modification, and have remained current since.
Product: Credit reporting or other personal consumer reports

There are things on my credit report that I have no idea about, I've asked for proof of who they are, there are random bills and they can be from anywhere due to fraud. I've never received anything from the company or who they are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've been living at my current address for less than a year and the debts are fraud. I'm getting law enforcement involved. For companies to report do Experian, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credits Reporting Act the creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

My vehicle was repossessed while ill. First repossession I called to inform Ill be a little late being I had XXXX. Instead of offering a deferment she said the lady said No problem, Westlake is here to help you. 3 days later when I step outside I see my vehicles gone. Paid to retrieve the vehicle including repossession fees to be charged the same repossession fees plus more than triple what I paid. Rekeyed the vehicle also. Repossessed it again while I have payments during surrounding months. Paid again to have more fees added later and personal items stolen and used. Had a XXXX and was off work awaiting compensation and vehicle repossessed again. Made a deal to pay off vehicle and sent total amount agreed on to release vehicle and send title. Called to get location of the vehicle and was given a disconnected phone number and all calls are now only automated saying I owe more money. I paid in full the amount agreed. Theyve sent my vehicle to an auction yard and rekeyed 3 times without my permission and ship it to other cities when I pay to take possession of it. Now cant access a supervisor or anyone on the phone at all. Avoiding my calls and gave me misleading information as to where my vehicle is located. I have recorded conversations with them as well.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX 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 CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I APPLIED FOR A CREDIT CARD ON XXXXXXXX  AND XX/XX/year>XXXX  AND WAS DENIED FOR BOTH THIS IS SECURITIES FRAUD. I GAVE AMEX A SECURITY INTEREST WHICH IS AN OBLIGATION OF THE UNITED STATES. WHICH MAKES IT CASH AND I WASNT IN RETURN GIVEN VALUABLE CONSIDERATION FOR THOSE SECURITIES AND THE CONSIDERATION CAN NOT BE MINUSCULE CONSIDERATION EFFECTIVELY MASKING A GIFT AS A CONTRACT.
Product: Debt collection

ITS BEEN MORE THAN 30 DAYS THAT THEY HAVE NOT REACHED OUT TO ME OR SENT ME PROOF TO VERIFY. I have filed several complaints with no response and decided that I would document this and ask you guys for help. 

I ask if the information can not be verified, I request that these items be removed from my credit report according to subsection ( a ) ( 5 ). Please consider this letter as a formal dispute and correct these inaccuracies promptly. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

We optioned to enter a forbearance period for our mortgage after experiencing financial difficulties after having XXXX XXXX and losing hours of work and the subsequent reduction in weekly pay benefits. We only needed one month but was given approximately 6 weeks. Prior to ending the forbearance period I spoke to Loan Depot about my payback options and how the whole procedure would or would not affect my credit. I was told that I would have 45 days to pay back the missing months as well as catch up ( or make ) my payments for the coming months as well. XX/XX/XXXX was the first official date to exit forbearance and I could not access any payment options online. Tried to reach out to LoanDepot on paying but I didnt get a response. Today ( the XXXX of XXXX ) I paid back the full amount of the forbearance but was told that I would incur late fees for XXXX and that I have been reported as 60days late to the credit bureaus.
Product: Checking or savings account

XX/XX/2023 XXXX XXXX XXXX - {$1.00} & {$290.00} XX/XX/2023 XXXX XXXX XXXX - {$200.00} I called the bank to let them know this man had asked me to XXXX XXXX for deposit and pro-rated rent. As I explained to my bank this man is a fraud and has pretty much hacked me but they said they could not do anything about it. I was asking they get my money back but they said they could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name & # XXXX XXXX XXXX XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # Ohio XXXXXXXX XXXX XXXXXXXX XXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$9700.00} 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
Product: Credit card or prepaid card

My credit card payment was due on XX/XX/2020 and not only did I PAY the bill in full from my US Bank checking account electronically online to the credit card on that date, but I received an electronic receipt from US Bank in " messages '' clearly stating that the payment WAS made on XX/XX/2020. My " complaint '' is that US Bank charged me a Late Fee of {$29.00} as well as an Interest Charge Fee of {$34.00} because, they say, I didn't meet some " cutoff time '' on the due date. I have attached a copy of " The Bill '' that clearly shows a due date of XX/XX/2020 ( but does NOT mention any " cutoff time '' ) and I have attached a copy of " The Receipt '' that clearly shows that payment WAS made on XX/XX/2020. I have contacted US Bank both directly and through the XXXX  of MN/ND and they continue to hide behind this AFTER THE FACT cutoff time as an excuse to help themselves to {$63.00} of MY money. This is at the very least ( if not criminal ) unacceptable and just not right!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed that I have several fraudulent inquiries on my credit report according to 15 US. 168 1a 2. I did not give written permission to have these accounts furnished in my credit report privacy law 15 USC 6802 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX