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

Today XX/XX/2020 I recieve a phone call from a Ally Financial representative ( see attachtment ), regarding my previous complain true the CFPB and stating that what they send me was a contract between my person and Ally Financial. 

I repeat once again : I am requesting original and direct signed contract between my person and Ally Financial Bank and signed agreement or contract between Ally Financial Bank and XXXX XXXX XXXX that shows for how much this account and all my Confidential Personal Information has been sold.
Product: Credit card or prepaid card

I no it was in XXXX when this happened but I don't remember the dates and the amounts are a $ XXXX XXXX XXXX and $ XXXX XXXX app some one made those 2 purchases off my card that I didn't make and I let my card company no and nothing was done about my dispute that I made with them and I had got the run about it and they said it went back on my card which it never did and they stole my money and my 2 refunds that was supposed to go back on my card and never did and just a rebate dispute about it and getting the run about that and nothing has got done about that either and just call today not to long about it and still give me the run around. I have chime credit card and you can call them to get the dates and the information you need.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX, my boss tried to send payment to me via PayPal and even tried sending {$10.00} as a test which came through. He then proceeded to send the remaining {$470.00} for my work. I then get a notification that my account was limited and I couldn't receive any funds. I took this to customer service and gave me the generic response which didn't help at all. I called them and was told that they didn't handle XXXX accounts, and gave me the phone number that did so, upon calling this number I was told that I still wasn't rerouted accordingly. I had to redial XXXX times before a customer service rep took it upon herself to help me with my issue even though she handles US accounts. When it was time to send an XXXX through my phone, the call cut out because it was apparently past their business hours. I looked for solutions on XXXX and sent them an email regarding my concern. I was greeted with another generated message. After a couple of exchanges expressing my frustrations and how I've already submitted the required documents despite their numerous messages telling me to submit them, I still couldn't get the proper answer I was asking for. It even got to a point where customer service reps were sending me the same copy pasted messages. They said they'll look into it, and after a while my account got permanently limited. I have funds in that account that I need to access because I have XXXX and bills coming up. Upon expressing my frustration regarding my account, they then proceeded to send me another wave of copy pasted responses.
Product: Student loan

Per the agreement.. the balance information is to reflect the actual balance. I also called months ago because on the legal agreement the control number is not even correct which is well obvious This is for the debt from the school I won a federal borrower defense against XXXX XXXX .. this is debt that Forster and garbus claims I owe national collegiate student loan on co-signed loans from XXXX XXXX who was on social security at the time and there lawyer took me to court after my XXXX treatment. 
This information is to serve as a reminder as they serve so many students by taking them to queens county court that they may forget. 

I called in XXXX and they said it will update and they gave me the correct control numbers They can at least update there payment website to reflect accurate information on the debt they state I owe the website amounts are totally incorrect and have been that way for months update the website PLEAse as I have made my payment today and notice again its not right and took a photo also how is XXXX supposed to keep an account of the payments if its not even on the website
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The name of the account is XXXX. They continue to report false information to all 3 credit agencies. This account was closed and paid in full in 2019. This account was never late nor does my credit report reflect late payments. Yet XXXX has continued to illegally report false information. They had a system wide purge and have zero record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account to my credit that was included in my Chapter XXXX Bankruptcy # XXXX, it is also past the Statute of Limitations in Utah and has no reason to still be on my credit file. I need this account removed immediately as it is in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX BANK DELAWARE Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX FCU Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) 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 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  Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX PREMIUM CREDIT BUREAU Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown errors on this report and they must be removed. Problem opening accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies ( CRA ) should not be in the business of selling Credit Monitoring Services to consumers. By allowing CRA to sell credit monitoring services at the consumer level, it gives the CRA an incentive to not protect the consumer in hopes that the consumer, feeling less protected, will turn to the CRA and be willing to pay them for protection. It makes me feel as if I am being extorteed. I have a free credit monitoring account with Experian. But only the paid credit monitoring accounts allows consumers to place a Freeze on their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full as settlement and not updated/removed from credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment and to follow up regarding the numerous unsuccessful attempts to correct late open accounts on my credit report. Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. Over the past several months, I have made repeated attempts to address the presence of late open accounts on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open accounts persist inaccurately. I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Kindly help me correct the accounts immediately : XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00}.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] for multiple violations of the Code of Federal Regulations ( CFR ) and the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of charged-off accounts and late payments on my credit report. I am requesting enforcement of the CFPB 's authority under 15 U.S. Code 6805 to rectify these violations.

Details of the Complaint : 1. Reporting of Charged-Off Accounts : Experian, Equifax, TransUnion has continued to report charged-off accounts on my credit report. According to the IRS, charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice is in direct violation of 12 CFR 1016.1, which requires financial institutions to provide consumers with the option to opt out of certain information sharing practices. 
XXXX. Reporting of Late Payments : I have discovered that XXXX, Equifax, XXXX has reported late payments on my credit report. This is a clear violation of 12 CFR 1016.4, which mandates that financial institutions must provide consumers with a clear and conspicuous notice regarding their right to opt out of certain information sharing practices. The FCRA also requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement.

3. Failure to Comply with Opt-Out Requests : Despite my efforts to dispute and request the removal of these inaccuracies with [ Credit Reporting Agency Name ], they have failed to comply with my requests, as mandated by 12 CFR 1016.7.

I kindly request that the CFPB investigates these violations and exercises its enforcement authority under 15 U.S. Code 6805 to compel XXXX, Equifax, XXXX to delete these negative adverse accounts from my credit profile. These violations have had a detrimental impact on my creditworthiness and financial well-being. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. I have made every effort to resolve these issues with XXXX, Equifax, XXXX directly, but my attempts have been unsuccessful. 
I appreciate your prompt attention to this matter and request your assistance in ensuring that [ Credit Reporting Agency Name ] rectifies these violations and upholds its obligations under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Ally Bank failed to pay by home owners insurance resulting in my policy cancelation. They claimed to have mailed a check on XX/XX/XXXX, for a bill due on XX/XX/XXXX. My home owner 's insurance never received the payment and I was called on XX/XX/XXXX, stating my policy was terminated for lack of payment. This has happened last year with my flood and home owners insurance. I was able to reinstate my policy by paying on my credit card, including fee 's. I called Ally Bank and asked that they cancel the check they sent to prevent double payment. They said they were sorry for the problem and were issuing a second check to my insurance company, which they said was their policy. I offered to send them a copy of my paid insurance and they would not stop the process. After questioning, they said they had already sent the second check ( mailed ) on XX/XX/XXXX, which also was not received by my insurance company. I asked for their manager to call me, so I can stop any additional payments and their manager stated the mistake was a result of a routing number error, which doesnt align with the previous statement that it was mailed. Routing numbers are not required if they are mailed. They said they will try a third and additional attempt until they can make the payment, in which case I will be out an additional {$2200.00}, as I already paid the policy. 
My Complaints are : 1. Ally Bank consistantly makes escrow payments late. I can only conclude this is part of their business plan to maximize their profits on escrow funds. Im sure there are many consumers facing the same problem. 
2. Ally Bank sent me an official statement claiming and subtracting insurance payment from my escrow account when they knew the payment was not paid. mailing the payment is not payment. This is fraud, and sending fraudulent claims via offical US Postal service. 
3. From a personal perspective, I've paid money into my escrow monthly, without delay, and had to pay my insurance out of pocket, with fee 's. I don't have an extra {$2200.00} laying around, and I have no pathway to getting it either refunded, or credited back to my escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  HAS FAILED TO REMOVE FRAUDULENT INQUIRIES ON MY CREDIT. XXXX  AND XXXX  HAS FIXED THE ISSUE, WHAT IS TAKING XXXX  SO LONG? IT HAS BEEN OVER 60 DAYS AND NO RESOLUTION FROM XXXX. I HAVE NOT EVEN RECIEVED ANYTHING IN THE MAIL. I AM REQUESTING ANOTHER INVESTIGATION AS I HAVE NOT RECIEVED ANYTHING BY MAIL AND THE FRAUDULENT INQUIRIES ARE STILL REPORTING. I HAVE ATTACHED MY IDENTIFICATION AND ID THEFT AFFADAVIT PACKET.
Product: Credit card

I was XXXX dollars over which I shouldn't have been I paid all my bills my bank even said my credit card should have been under so on a {$300.00} limit I was XXXX over so I put {$200.00} on it just so I'd have money right away they got rid of the {$99.00} plus gave me {$100.00} but won't let me use the money now they basically embezzle {$200.00} from me I'm on XXXX for mental XXXX and they've been taking advantage of me ever since I've had this car they've embezzled at least a {$1000.00} for me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$770.00} XXXXL XXXX XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The Closed XXXX XXXX XXXX XXXX. reporting invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.
Product: Vehicle loan or lease

the dates on my credit report that where marked late are, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

the payment amount was {$880.00} the reason for the payment being late was from covid, and medical issues. after making my account current and paying all late fees, I sent a certified letter to ford motor credit to see if they can remove these in good faith because it really impacted my credit and they said sorry you had covid but we will not help you.
Product: Money transfer, virtual currency, or money service

approximately XX/XX/XXXX or so I began working with cryptocurrency and chose to use Coinbase as my exchange and custodian for my purchases. Later I decided to self custody my cryptocurrency but when I tried to transfer my assets to a cold storage wallet Coinbase has blocked my ability to withdrawal / transfer my assets. i have been trying for 10 days to work with them and file a case, escalate, and file a complaint. am not able to get my assets and continue to get the run around from Coinbase. There are more stories like mine as I found on reddit as well. I believe Coinbases actions to be fraudulent, unethical and are acting in bad faith. 

Also their exchange has gone down during key trading period leaving them unreliable during peak times when it could matter losing or gaining money. I want to retrieve my assets and move away from them as soon as possible and self custody my crypto assets. 

Basically I feel that Coinbase is holding my crypto hostage and will explain why or how to resolve this.