23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX. Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number:XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXXXXXX XXXX XXXX Account Number: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, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

I'm really frustrated because my credit report has wrong info like my name, address, phone number, and employment details. I've tried multiple times to get this fixed, but nothing has changed. This needs to be corrected immediately. I requested the credit bureaus ( XXXX, XXXX, and TransUnion ) to correct the following inaccurate personal information on my credit report : Incorrect Address : Reported Address : All others are incorrect Correct Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Phone Number : Reported Phone Number : All others are incorrect Correct Phone Number : XXXX Incorrect Employment Information : Reported Employer : All others are incorrect Correct Employer : No current employer Other Personal Information : Incorrect : All others are incorrect Correct Name and Date of Birth : XXXX XXXX XXXX XXXX, DOB : XXXX Despite providing the credit bureaus with multiple dispute letters and supporting documents such as copies of my state ID, utility bill, social security card, and bank statement to verify my correct personal information, they have failed to correct these inaccuracies. These errors are negatively impacting my credit profile and causing significant inconvenience. I am seeking immediate correction of these inaccuracies and a confirmation of the changes made to my credit report. The credit bureaus have failed to correct inaccurate information and are violating provisions under the Fair Credit Reporting Act ( FCRA ). Such as : 1. Section 1681e ( b ) : Duty to Ensure Accuracy 2. Section 1681i ( a ) : Dispute Procedure 3. Section 1681i ( c ) : Notification of Deletion or Correction 4. Section 1681i ( d ) : Statement of Dispute 5. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) 6. Failure to Properly Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) 7. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( c ) ) 8. Failure to Include a Statement of Dispute ( 15 U.S.C. 1681i ( d ) ) The credit bureaus are currently in violation of the Fair Credit Reporting Act ( FCRA ) and I request that this matter be fixed immediately due to the above violations.
Product: Credit card

Discover closed out CFPB complaints XXXX and XXXX claiming they are duplicates of CFPB complaint XXXX. Discover claims the account/tradeline is accurate and that it is the CRAs reporting inaccurate information. The payment history for the account has been horridly inaccurate and attempts to have it corrected by Discover and the CRAs has yielded results that continued to show false/misleading/inaccurate information for the account/tradeline. I am an indiidual with a XXXX  XXXX  XXXX. Given the strange payment histories reported for the months leading up to an alleged charge-off I have been unable to understand what exactly happened with this account. I have never been provided with a table that shows the number of days past-due alleged for the months within the XXXX  of 150 days of alleged charge-off, and inspecting my credit reports generating the CRAs has not been of help because the data reported has included months with NO DATA followed by an alleged late payment that is less than the number of days at which Discover charges-off accounts it alleges are seriously delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, US SM BUS ADMIN OD.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX inquired on XXXX XXXX XXXX XXXXL inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Debt collection

This bank commits Federally Illegal, Organized Felony Criminal Acts of Racketeering including Extortion, Fraud & Discrimination & Harassment.

They allow Debit Card Payments to Credit Lines/Cards over the phone, however their website doesn't allow these payments to be made ; This itself is a violation of the ADA. Their " Support Agents '' commit Fraud in order to endorse & attempt to ignore reports regarding this violation, openly Discriminating against Consumers while doing so.

Their Back-End Automated System " randomly '' rejects payments without providing anything resembling a reason ( Account the draft came from had just been used to pay another Cards payment of more than twice the amount, with multiple times enough to cover both payments in the Account ). 
Payment 1 Made : XX/XX/2024 XXXX {$200.00} ( fraudulently rejected by synchrony ), Payment 2 Made : XX/XX/2024 XXXX {$590.00} ( processed without issue ), Payment 1 Rejection Notice : XX/XX/2024 XXXX ( payment rejected, " Support Agent '' confirmed there was no issue with the Account I drafted from, that it was an issue with their automated system ), Payment 2 Confirmed : XX/XX/2024 XXXX ( received notice of posted payment ). 

This causes automatically applied late & returned payment fees, which their " Support Agents '' repeatedly insist will be waived " as the returned payment was not your fault '' however the fees are not in fact " waived ''. 

I have Video recordings of Website Live Chats with their " Support Agents '', as well as Audio Recordings of Phone Calls evidencing their ongoing, Discrimination, Fraud & Extortion.

They then spam consumers with Fraudulent collections notices, as well as Fraudulent & false strikes to their Credit Reports at the varied Credit Unions. 

After that happens, they use the Fraudulently returned payment ( s ) & negative strikes on the Consumers Credit Reports as a False & Illegal pretext to lower your Credit Limit every time you make a payment, preventing you from using the Credit Line further.

I fully expect these Racketeering Extortionists to attempt to close my Credit Lines as soon as they are both paid down. 

Their company & support agents act in a premeditated manner along with XXXX to commit Federally Illegal, Organized Felony Criminal Acts of Racketeering including Extortion, Fraud, Discrimination & Harassment.
Product: Debt collection

Navy Federal credit card opened fraudulently due to security breach debt of {$1100.00}
Product: Debt collection

In XXXX, I closed my XXXX XXXX credit card XXXX With XXXX balance. 

Four years later, I found out through XXXXXXXX XXXX monitoring that the above account was open and late by several payments. 

I immediately contacted XXXX XXXX XXXX They explained that the account had been re opened and the owner was a XXXX XXXX XXXX XXXX XXXX, FL. I made it clear that I was not that person. I do not have a middle name with an XXXX and have never been to XXXX, FL. 
The assured me that the account would be closed and I didn't have to do anything else. 
The account was closed by XXXX Now XXXX four years later, I received a letter from a law firm asking me to pay the delinquent account, Law firm : Hayt, Hayt & Landau XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX I never owed any money to XXXX XXXX I did not re open the account Any assistance you can provide will be greatly appreciated. 

Respectfully, XXXX XXXX
Product: Checking or savings account

XX/XX/20 I went through online application process to open up a money market account on the Ally web site, link : https : //secure.ally.com/open-account? & XXXX About a week later, I received the attached letter saying Ally could not open an account for me. Reason given : Unable to verify applicants identity. 

XX/XX/20 I called the phone number on the letter. I asked what information sources they used to come up with the reason. The representative replied that all the information available is in the letter. 

XX/XX/20 Later that day, I tried the Ally Chat tool to ask again. Could they tell me what credit report they used?, I asked. All they could tell me was that they used a soft credit check, but could not tell me any more than was written in the letter.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

When I attempted to Make the monthly payments to both my MOHELA account ( XXXX XXXX ) and for my daughter ( XXXX XXXX ), a message on each account stated that our accounts were in transition to a new platform/webiste, with no formal communication of this nor when and where the loan accounts were to be located and nothing about login information. I waited until the 2nd month and made the call to MOHELA.

MOHELA did not offer any apology on why there was no formal communication nor updates to either account transitions and finally stated ( on the phone, at my continued expense while both accounts continued being assessed interest- which is wrong! ) that my daughters account ( XXXX XXXX ) was transitioned to a new website and that my account is being handled by XXXX. 

After setting up and making payment on my daughters new MOHELA website account, I was told to call XXXX by the MOHELA representative to get my account information. I called XXXX over XXXX weeks ago any My account has still not transitioned and I have been unable to make any payment on my account for the past 2 months ( working on 3 months now ). XXXX has not provided any formal communication nor updates and I am still not able to make payment. 

I feel that I am warranted significant payment relief on both my daughters and my student loan accounts for this complete lack of information, time taken from us to personally handle the accounts, and the stress involved in not being able to make payments and still receive emailed payment reminders from the student loan providers when their systems prevent this from happening. 

I am totally disappointed with the handling of both student loans and deserve to have significant relief from all of the grief associated with the failure of the systems, communication, and extremely poor customer service ( in addition to the significant amount of time I had to be on the phone to have to resolve this when the loan provider should have gotten this right and consistently kept all accounts accurate and correct ). 

I request the U.S. Department of Education investigate this and provide my daughter and me significant relief of payments remaining and ask to have these loans discharged due to continued problems and incorrect communication to us both involving these student loan accounts. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Cell : XXXX
Product: Credit card

I accidently over paid my card. It is a prepaid card with a XXXX dollar credit limit. I have had a XXXX dollar available limit for some time now even though I owe nothing and have overpaid the card by XXXX dollars. the payment wsa smenat for my fiances acct. I havent asked for the credit back or even to apply it to something. I was instructed that as i spend on the card it will be taken out of the credit first yet I have tried to use the card and have been unable to. I was told payments had to post and i understand the float is their business model. Isnt there laws in place to limit the time they can hold money and not post it to accoutns? secondly they repeatedy accpet a payment then ask for a payment less than XXXX days later and if its not made it slate. Thats not possible, If you pay for example XXXX dollars on the XXXX wiht a min payment due of XXXX dollars how can the XXXX another payment is due or a late fee incurs when yo obviously made a payment that month. This company is a constant violater of proper financial parameters by delaying posting of monies and attemting to bill customers with overages and lates. I know I 'm not the only person who has brought this to your attention. I can see what they have attempted to do to me. I have money so i can easily rectiofy my situations before they get my money. I thought the federal govt was suppose dot monitor companies like this to protect consumers form abuse
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of financial fraud. In XX/XX/2021, a checking account was opened under my name and social security number at a bank that I do not have any financial relationship with. I discovered this when introductory checks were sent to my home address for the account which I did not open. I took all the time-consuming recommended steps to address this issue, including filing a police report, opening an FTC identity theft report and following all instructions, obtaining an affidavit from the bank where the fraudulent account was opened, gathering documents, and going through the steps to have an extended fraud alert placed on my file with one of the credit bureaus. 

I supplied XXXX with all the requested documentation and XXXX placed an extended fraud alert on my file. Although this should be adequate to have an extended fraud alert placed on my credit reports with other credit bureaus, Equifax says they have not placed a fraud alert on my file and I have no idea if XXXX has or not. 

Equifax says they do not have a fraud alert on my file and I have been told by an Equifax representative that Equifax has no record of a fraud alert notification for me. 

I do not know if XXXX has a fraud alert on my file. I was unable to overcome XXXX 's IVR system that blocks consumers from speaking with a live person so I have been unable to inquire if XXXX has placed a fraud alert on my file or not.
Product: Credit card

On XX/XX/year> I ordered a new XXXX XXXX from XXXX. It said it would be delivered on or about XXXX then a delayed arrival of XX/XX/year>. It NEVER arrived. 

I called in various times to cancel the order since I was going off XXXX and would just buy a new printer at XXXX instead. After several conversations online in Chat and by Email and Phone, eventually a couple of different service representatives reached out to me trying to resolve the issue. I reiterated that I had NEVER received the item therefore it was ridiculous. The tracking number issued for the delivery was actually the same number used for another delivery as well. There were discrepancies with the entire delivery order. They wanted me to wait until they initially received the returned item in their hands before attempting to resolve the issue. I complained and said NO - IM NOT WAITING for that scenario to happen. Fix my account immediately. 

This was in XXXX, fast forward 2 months later ( XX/XX/year> ) - I'm still being assessed late charges on my credit report now stating I'm 30 days late in making payments towards my Commenity Bank Dell Pay accout .... 

After speaking to a Case Specialist ( Name : XXXX XXXX ) for order number XXXX he said in an email describing an Approval for Refund status on XX/XX/year> and he'll follow up in 2-3 business days. Still no response. NO resolution, NO Credit issued, NOTHING!!! 

I'm at a loss as I'm evaluating my options on filing a Lawsuit requesting damages and court fees for this problem. They are ruining my credit further by not resolving this issue. 

My phone number is XXXX. 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased and stored cryptocurrency using Coinbase in XXXX. On XX/XX/XXXX I sold my cryptocurrency holdings ( Cardano, Bitcoin, and Ethereum ) on Coinbase for {$5100.00} USD. When I attempted to withdraw the USD to my XXXX XXXX  account which is linked to my account on the site, I received an error message stating " An error occurred. Your account has been locked, please visit coinbase.com to resolve ''. I had already gone through the account identity verification process, and had enabled the secure 2XXXXstep verification to access to my account on the site, so I was confused as to why my account would be locked. 

On XX/XX/XXXX I submitted a support claim on the Coinbase Support site detailing this issue. Shortly after submitting it, I received confirmation that my support claim had been received by Coinbase. On XX/XX/XXXX, at XXXX EST, I received an email from Coinbase Support asking for a screenshot of the error message I saw when attempting to withdraw USD to my bank account. At XXXX EST that day, I replied to the email providing the requested screenshot. After this correspondence, I received no further guidance or messages from Coinbase in any form. I followed up via email on XX/XX/XXXX, still to no response. I called their Support Hotline numerous times, but was never able to connect with a live service agent, only an automated system that provided no meaningful interactions and only repeated information that is readily available on the Coinbase Support site. 

Today, XX/XX/XXXX, after waiting XXXX business days since submitting my support claim, I issued a formal complaint via the Coinbase Complaint system. However, given my abysmal customer experience with Coinbase thus far, I am concerned that the issue will not be resolved. Additionally, I am prevented from accessing my account at the moment, as Coinbase renewed their user agreement to include limitations on the litigious actions and legal rights of its users who have complaints. Given my current situation, I feel it would not be prudent for me to agree to these terms prior to having this issue fully resolved. This issue has been incredibly disheartening. Had I known how little customer service support Coinbase had, I would have never decided to invest in crypto using their platform. I can not believe the number of hoops I have had to jump through just to reagin access to my assets.
Product: Credit reporting or other personal consumer reports

I recently disputed XXXX account # XXXX with Transunion according to Transunion the account come back verified This account is a charge-off and The payment status is reporting as Open its my understanding that a charge off shouldnt be reporting as open this is a violation of the FCRA I would like for Transunion to send me what they use to verify this account with in the next 30 days if they can not provide the proof of verification I would like them to delete this account. I have attached a copy of my credit report and my ID the last four of my social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mailed a letter stating that they didnt know what I was disputing when Ive sent in numerous 609 letters to them by USPS with paid tracking labels via priority mail. The labels are {$7.00} a piece & will be glad to provide copies of tracking numbers once a rep from the bureau responds. In the meantime I will send copies of each 609 letter sent over the past few months for my proof
Product: Credit card or prepaid card

I recently during the pandemic fell behind on my payments in 2020 due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payments that was missed on XXXX and XXXX of 2020 were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.