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

In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with XXXX opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as XXXX ' Creditor Information addresses from my credit reports. 
I have requested XXXX, XXXX and Equifax remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX ( XXXX CFR XXXX ) and the Privacy Act of XXXX ( XXXX XXXX XXXX ) to no avail. Along with numerous other violations, XXXX reports the account with on time payments in XXXX of XXXX, while Equifax reports payments 30 days late in XXXX of XXXX and XXXX has no payment history available. Also, XXXX has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, XXXX has it remarked as Purchased by another lender and Equifax has it remarked as Charged Off Account. In addition, Equifax, XXXX and XXXX each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting XXXX, Equifax, and XXXX the remove the XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Checking or savings account

Yes I bank with chime banking and on Tuesday night at XXXX XXXX  my card was use to make a purchase for {$2400.00} at XXXX XXXX but I didnt authorize this purchase, I was at work and we are not allowed to have our phones out on the sales floor and I was closing that day. I call Chime Customer Service and they told me I had to wait to file a dispute until it was posted to my account and on Friday XX/XX/XXXX it was posted and I file a dispute and within a 5 hours period it was denied and I asked for a letter but never got it. The XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX, own chime. I called again on Friday the XXXX I was passed around by the customer service team and they did not help me at all, they reopen the case and promised me for a provisional credit within the night and never got and within the next 5-6 hours my case got denied again and never got a letter like I asked. chime looses lawsuits for disputes all the time because the information on there denial letters does not adhere to the guidelines set forth under regulation E. They are not following proper procedures and guidelines
Product: Credit card or prepaid card

During the process im buying a plane ticket on XXXX, I was presenting an offer to apply for a XXXX American Express business and receive {$200.00} credit towards my fare. I applied and my application was approve and then I was to be presented with the new credit card number in order to purchase my ticket. The link that was supposed to show me the credit card number did not work so I called American Express to try to get the number to complete my transaction. I was told they were unable to give me the number but that I could charge it to a different American Express business credit card and they could transfer it to the correct card once I had the number when the physical card was delivered to me. That card arrived today but when I called to initiate the transfer as Id been directed, I was told Amex never does this and they would not help me. I am now out {$200.00} and feel that I was tricked into getting a credit card that did not deliver on the promotion. I have since canceled the card and would like remedy for this.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has resulted in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$85.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$86.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$940.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$630.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} UNAUTHORIZED BILL COLLEDTION - XXXX - XX/XX/XXXX - {$1100.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I had contacted great lakes about my student loan. I told them I couldn't afford payments i couldn't find a job. So they put me in forberance but didnt quit explaining. It to me this was the end of XXXX. Well when I got on the pay as you go plan I got charged the interest than for some reason there was. Months were they put me in forberance tha. The same month on a payment plan and that went back and fourth like that for quite a few months. I turned in my paperwork at the end of XXXX but they didn't approve it till XXXX so I got charged interest. As well as XXXX XXXX to them about the borrowers defense they shut me down didnt even try to help. They know I work for a non profit organization and am gon na try for the pslf but they have never said that they don't dont do the qualifying for that as well as I've talked several times with the csr and wanted to make sure I was on the right payment plan to count for the pslf loan they would tell me one thing but than it would change I still dont know exactly if the pmt plan im on is correct i got nothing but resistance when trying the borrowers defense loan. The company is not very good and i dont feel that any advice they give is in to help me out. Just their pockets I learned that early on dealing with them
Product: Mortgage

As explained and ignored in the previous complaint filed with CFPB XXXX on XXXX the XXXX payment MidAmerica claims to have received on XX/XX/XXXX was paid to them through XXXX directly by me. The documentation was provided in the previous complaint along with all documentation to show the loan should not be past due. They claim to have received funds from XXXX to bring the loan current but it does not appear they have done so. I have since spoken directly with XXXX ( XXXX Agent ID XXXX ) on XXXX and they have stated they can see all the documents I provided and have yet to receive correspondence back from MidAmerica as supposedly MidAmerica was not in receipt of any of my loan docs from previous servicer. I have once again attached the XX/XX/XXXXpayment received by XXXX on MidAmericas behalf showing this was paid by me and not an adjustment of funds from XXXX. The loan should only be due for XXXX which was mailed by my bank on XXXX.
Product: Money transfer, virtual currency, or money service

Deceptive Slippage charges and silent conversion of trades. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Coinbase sneaks in 2.5 % slippage and nets the slippage on " token conversion '' trades. 
A conversion trade is trade between two virtual currency and doesn't involve a XXXX. 
However, Coinbase XXXX XXXX XXXX trades ars conversion and XXXX  trades as fait sell trades. 

The XXXX has provides no warning and slippage notice is hidden under a XXXX  click button of XXXX XXXX XXXX XXXX XXXXXXXX broken and promised rewards not delivered. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Coinbase prime offering charges upto XXXX a month to provide additional staking services for some tokens. XXXX is like fixed deposits were you lock up token for a period of time and get yields. For about a 3 years XXXX staking returned XXXX XXXX  and the unlocking of asset is broken XXXX. money can not be retrieved.
Product: Bank account or service

Re : Non Receipt of Cash at XXXX ATM-Amex Debited Checking Acct Chronology of Events 1. XXXX XXXX 2015- Requested {$700.00} cash from ATM but did n't receive cash. Received a receipt stating I exceeded the daily limit allowed. 
2. Called Bluebird Amex and spoke to customer service rep XXXX ID # XXXX in XXXX XXXX XXXX Utah and informed him of what transpired. He then informed me to email or fax the ATM receipt along with a statement of what occurred to the Prepaid Dispute Processing Dept. 
3. I also spoke with customer service rep XXXX ID # XXXX. She also explained that the investigation what take approximately 10 business days, and in the interim I would receive a provisional credit of {$700.00} 4. I informed XXXX this was an emergent matter that needed to be remedied ASAP as it 's affecting my ability to pay my rent for XXXX and other financial obligations. 
5. I faxed and Email my letter to the PDPTD on Friday XXXX XXXX, 2015 and was received on Monday XXXX XXXX, 2015. 
6. XXXX XXXX 2015- Spoke with XXXX-XXXX Branch Administrator and explained the situation I experienced with their ATM and he requested that I fax a copy of my ATM receipt to his attention. 
7. XXXX XXXX 2015- Spoke with XXXX to follow up on ATM receipt I faxed him yesterday and he informed me after examining the receipt that the ATM rejected my request for {$700.00} due to it exceeding the maximum daily request. He also pointed out to me at the verbiage at the bottom of the receipt where it states in part " REQUEST EXCEEDS DAILY LIMIT '' as proof and evidence that the ATM never disbursed the {$700.00} cash that was requested. 
8. Spoke with XXXX, Acct Mgr. to get an update of situation and was informed that I my account would receive the provisional credit on XXXX XXXX 2015. 
9. Also later spoke with XXXX-Amex Bluebird Cust Svc and informed her of what I had been told by XXXX Mgr.-Vito about the ATM situation. I also gave her XXXX 's phone number to contact him to verify what was told to me and she informed me that she would notate the information and forward via email to the dispute processing department. 
10. XXXX XXXX XXXX Received email from Prepaid Dispute Processing Dept. stating that investigation was completed and it was determined that no credit is due and the transaction will remain on my account.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I am facing in removing inaccurate items from my credit file, despite numerous attempts to delete this issue. 

I have diligently reported and disputed inaccuracies on my credit file with 3 Credit Bureaus. Regrettably, despite my persistent efforts, these inaccurate entries persist, negatively affecting my creditworthiness and causing significant stress. 

I have submitted detailed disputes on the following dates. Each time, I provided supporting documentation and clarification to rectify the inaccuracies. However, to my dismay, the deletions have not been implemented, and the inaccuracies continue to tarnish my credit history. 

I understand the importance of accuracy in credit reporting and the need for a thorough investigation. However, the prolonged presence of these inaccuracies is both perplexing and damaging to my financial well-being. 

I urge you to escalate this matter and conduct a comprehensive review of the inaccuracies on my credit file. I have made consistent efforts to provide the necessary information for a thorough investigation, and I believe a prompt resolution is crucial. 

It is my expectation that Credit Bureaus takes immediate and effective action to correct these inaccuracies. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the inaccurate items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I wrote to TransUnion, LLC regarding file # XXXX, in XXXX report # XXXX, and XXXX XXXX # XXXX explaining I do not owe the debt to XXXX XXXX XXXX as reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I want this claim of debt to be removed from my credit report. Based upon evidence I sent to XXXX, XXXX determined I do not owe this charge. Additionally, I have since reported XXXX XXXX  and XXXX XXXX XXXX to the CFPB. As a result of my complaint, the CFPB forwarded a complaint to the FTC regarding XXXX XXXX XXXX and XXXX XXXX agreed to cease and desist collections and to close the account. ( Please see CFPB complaint number XXXX. ) Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all iinquiries listed above has been made without my knowledge or consent and is identity theft/fraud and all these needs to be removed immediately. i have reached out to each and merchant to to provide them with the requested documents and nothing has been removed in which was promised due to fraud.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Requested that Experian investigate my account for all inaccurate information and for the improper use of my information specifically regarding Two collections from XXXX XXXXXXXX XXXX i requested Experian remove this inaccurate information from my credit report failure to do so is violation of 15 USC 1692 ( C ) ( C ), and 15 USC 1692 ( G )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Checking or savings account

deposited a check for roughly {$13000.00} written from the same bank I use in IL to Bank of America account here in XXXX. They placed a hold on the check. I believe they have to provide me with a reason for placing the hold and Bank of America representative told me they do not. I researched Rule 229.13 from 12 CFR paragraph E and G which says if they have a reasonable doubt about the funds they have to give me a written statement why there is a hold, not just that there is a hold but the reason. Overdrawn often, out of date check, etc.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXXXXXX I recently received a copy of my credit report and found proof that your are illegally reporting inaccurate information about me .The following alleged charge off account is not only listed as being open, but also as having a past due balance of {$380.00} this is a violation of requisite metro 2 compliant reporting standards.

According to the fair credit reporting act I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account XXXX XXXX XXXXXXXX from my credit report and send me an updated report showing your compliance with all metro 2 reporting standards and this account removed upon completion Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Our Citi credit card was charged by a company XXXX XXXX ( XXXX XXXX ) for multiple charges. This was for a " free '' cosmetic sample. Upon learning that there would be a charge for future shipments of cosmetics, we called the company ( we believe in XXXX - maybe early XXXX ) to cancel all future shipments and charges. We also called Citi ( XXXX XXXX ) to contest charges to our account by this company in XXXX, XXXX, XXXX, and XXXX. Despite us stopping this service with the company, and contesting the charges with Citi, we see more charges in XXXX on our statement. Now Citi is telling us there is nothing they can do and I have to pay these charges. I've asked Citi on more than one occasion to block these transactions with this company. Citi has offered no help in resolving this. Citi also said if I close my account, they will not be able to contest the charges. They are using extortion to get me to keep my account open - or, I won't be able to contest the charges. Citi is HORRIBLE!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX ( XXXX XXXX XXXX  ) has violated my rights.

15 U.S.C 1681 section 602 A : states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also XXXX XXXX  was settled and yet the company didnt update the account as paid.
Product: Mortgage

I am in a loan modification with New American Funding. I received a call from XXXX XXXX - XXXX, claiming to be with New American Customer Care, Loan Modification department, on or about XX/XX/2019. He instructed me that my account was transferred to his department for a modification, and I must make my payments to his office. I paid him on XX/XX/2019, and XX/XX/2019, each time in the amount of {$2300.00}, using XXXX XXXX XXXX cards purchased through XXXX Since then I have spoken directly with New American Funding who said they never heard of him, and my account has not been credited. When he called me this morning, he told me to cancel the payment I made today directly to New American, and send the money to him, or else the Loan Modification will be cancelled. Then I had a call from XXXX XXXX at XXXX, who said he was also with New American Funding Customer Care, and I had better contact XXXX XXXX and straighten the payment situation, or the modification will be cancelled, and I will have to make up the several back payments which I can not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not conducting proper investigations. I have provided Equifax with the necessary information and have requested Equifax to report true and accurate account information and still Equifax has failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX