23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

My bank did a reversal for a {$34000.00} transfer to my Coinbase account. My account balance went from {$53000.00} to {$6700.00}. I messaged Coinbase supposed multiple times and no one can give me a reason for the {$46000.00} decrease. They havent offered me a refund or any type of solution to the problem. Ive been missing my {$19000.00} since XX/XX/2021.
Product: Credit card

In XX/XX/year> I purchased a hat from XXXX XXXX. In the amount of {$560.00} and upon receiving it, it was not as described and looked completely different than the product picture in their website. Their website and customer service stated that if there was an issue, send the item back to the warehouse. I paid for the item to be sent back at the post office and a few weeks after that I had started reaching back out to customer service and they werent responding. The post office didnt give me a receipt either so I dont have the tracking number but I feel like they got it because of the non-response. I have never been scammed like this before so I have kept trying to dispute with Goldman Sachs ever since on my Apple Credit Card and they keep denying my dispute. I dont feel like I should have to pay for something I dont own
Product: Credit card or prepaid card

I have a Conns credit card through synchrony bank. I have NEVER missed a payment or paid late. They took my credit line from {$1000.00} to {$200.00} when I called to inquire as to why I was told due to recent inquiries on my credit report. I explained that I was in the process of purchasing another vehicle for my logistics company that has expanded. So I am basically being penalized for expanding my business. Their action reflected negatively on my credit report and caused me to loose points. I was also told I paid my bill in full before the statement date is another reason they dropped my limit and to show this is a pattern with them synchrony put a hold on my Sams Club card for paying it in full before the statement date.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Inaccurately Reported Charged-Off Debt from XXXX XXXX XXXX XXXX 

To Whom It May Concern : I am writing to formally request the deletion of an inaccurately reported charged-off debt from XXXX XXXX XXXX that appears on my consumer report. XXXX XXXX XXXX has refused to issue a 1099-C form for this charged-off debt, stating that the debt remains my responsibility despite being reported as charged off on my consumer report. Their response to my request for accurate reporting under federal law remains unsatisfactory. 

Please note that I have previously filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issue. XXXX XXXX written response to the CFPB, which I have attached, confirms that they " can not accommodate my request for a completed 1099-C form '' and assert that the debt remains my responsibility. This failure to issue a 1099-C contradicts XXXX XXXX reporting obligations under IRS Code 6050P, which mandates that canceled or forgiven debts be reflected in consumer reports with a corresponding 1099-C form issued to the debtor.

Furthermore, under the Fair Credit Reporting Act* ( FCRA ), 15 U.S.C . 1681s-2 ( a ), creditors have an obligation to report information accurately to consumer reporting agencies. By declining to provide a 1099-C for the charged-off debt while asserting that I still hold responsibility for it, XXXX XXXX is presenting an inaccurate and misleading report of my credit history. I request that this charged-off account be removed from my consumer report to maintain the accuracy and integrity of my financial record. 

Please find the attached CFPB response from XXXX XXXX XXXX for your reference in supporting this deletion request. I appreciate your prompt attention to this matter and am available to provide any additional documentation if necessary. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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: Checking or savings account

My SSI check is usually direct deposited on or about the XXXX  of the month ... my XXXX check was deposited early this year because of the holiday. On XX/XX/XXXX, Funds showed as available so I started paying bills. TD Bank hit me with overdraft fees, which I caught almost immediately and called them to ask why they would hold a government check direct deposit that showed as available and hit me with fees? They responded by telling me they saw that that happened, and they would refund the overdraft fees. 
This month, they reordered my charges, held cash deposits, and have charged me a total of 9 overdraft fees ( including a {$35.00} fee on a {$1.00} charge on XX/XX/XXXX ) ... online banking does not show accurate balance for days, there is no notifications of overdrawn account, and my account does not show as overdrawn online. 
Yesterday, XX/XX/XXXX19 ... I checked my balance, determined that it was overdrawn by {$130.00} ( because of 4 overdraft fees ), and deposited {$200.00} with a teller at a TD branch ... I asked if my account now showed a positive balance, I was told yes at XXXX XXXX ... my phone app also showed a positive balance. 
At XXXX XXXX on XX/XX/XXXX, I checked my balance to double check before I made a small purchase, and my balance was XXXX ... I had been hit with 5 more overdraft fees, that were not pending, and that the teller did not see 20 minutes before as pending.

I called TD Bank on the phone and was told 1. It is not their responsibility to alert me to a pending negative balance 2. It is not their responsibility to inform me that I have a negative balance 3. It was  very nice that I banked with them for 15 years, but I was not entitled to a refund because they had given me a " courtesy refund '' the month before ( when they held my direct deposit for 3 days so they could charge me overdraft fees ... which they admitted to ) I informed them that I would be moving my banking to another institution after my direct deposit cleared on XXXX XXXX. I was told " not to threaten them '' I told them this was not a threat, I could simply not afford to bank with an institution that thought robbing me of my XXXX money was acceptable, as long as they weren't caught at it, and it's not a " courtesy '' to give me back my money which you fraudulently took and admitted to taking.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. 

I feel that this is another direct attack on my character by your company. I'm not sure if theses attacks on my person are XXXX motivated or not ; but I do feel targeted by your company. First you report information on my credit report that is clearly false. Second when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond. Third then you have the out right audacity to say that my complaint was not submitted by me in a attempt to get circumvent the rules set out by the FCRA. 
This is my 2nd and final attempt to get this matter resolved with out me seeking additional outside assistance. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

My 1st letter was sent to your company on XX/XX/21 via cert mail via the USPS. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I demand that all the accounts and information in question be deleted at once ; and send me a free copy of my credit reporting showing the changes have been made.
Product: Checking or savings account

On XX/XX/XXXX, I made the phone call to citi bank to close my CD account and asked the representative to transfer the remaining balance to my another bank account. However, they don't have that option unless I go to their local branch. But we don't have any branch in my state. I have to ask them to mail my check to my address. The representative told me that I should get my check before XX/XX/XXXX. However, I don't get any check by that day. Then on XX/XX/XXXX, I made the call again to citi bank to ask them to resend my check because I didn't get that. The representative told me that I should get my check before XX/XX/XXXX. However, I still didn't get that. It is totally unacceptable for a bank not providing the option to transfer the remaining balance in a closed account to another bank account and not delivering checks to their customer on time. I can wire transfer money into my Citi bank account but I can not wire transfer out my money when I close my account. How ridiculous!!! I will never open any back account with citi bank.
Product: Credit reporting

I am filing a complaint on Lexis Nexis because I have requested my risk file from them by mail on several occasions to see what is being reported about me because I continue to be denied for credit based on their information. They have not responded to my request at all.
Product: Checking or savings account

I opened an account on the app with the savings bank ( MARCUS ), where Id add small amounts of money each week, about {$300.00}. I decided to open my app to add more money and it told me that they had temporarily locked my account, telling me to call them to have it unlocked. I called them, gave them all the information they asked for and they told me that they would call me the next day with more information about why my account is locked. I called them later that day ( XX/XX/XXXX ) because I realized that I have about {$4000.00} in that account, in fear of losing that money. I called them to try to withdraw the money from that account to my regular checking bank. They told me once again that my account is locked and that they cant do anything about it from their side. I asked them if they knew why my account is locked, they said that they dont have access to that information. Today ( XX/XX/XXXX ), I decide to call them because I never received the call they said I would receive from them with more information within the 24 hour period. They asked for the same information they did the first time, I went through a security questionary just to be told that now Ill have to wait 7 days for someone to call me with more information about why my account is locked. I asked them if Ill get my money back in those seven days, they said Ill receive the call in seven days, insinuating that I wont be getting my money back.
Product: Debt collection

I am putting a complaint on Diversified Consultants because they are reporting a collection with XXXX that was a result of Idenity theft. I have attempted to resolve the matter with them and sent them in my police report which I am going to attach to this complaint as well. But they have continued to try to collect on an Identity theft Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. XXXX and Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This complaint is about XXXX XXXX. 
My loan was originally with XXXX XXXX, it was bought out by XXXX in XXXX. Since the life of the loan, there has been no reporting to the credit bureau 's from XXXX. I have called several times over the past XXXX yrs, asking why it's not reporting. I was told that they will report once the loan is paid off. 
My loan was paid off in XX/XX/XXXX, when I contacted XXXX and asked how long before it is reflected on my credit I was told XXXX after. So it's 2 months after, and I'm trying to buy a house and the lender tells me that there is no car loan on my credit. So I contacted XXXX on XX/XX/XXXX and asked why wasn't it reported since it's been paid for 2 months now. I was told that it was reported to all XXXX agencies, and that I would need to contact the agencies to find out about the report and have them dispute it. I contacted all XXXX agencies and they stated that they do not see anything on my credit for a loan from XXXX, and that they can't dispute anything that's not reflecting on my report and I would need to contact XXXX and get them to report it. So I call XXXX back and explained that the credit bureau 's can not file a dispute for something they do no show on the report. The call was then escalated to the platinum team, so I spoke with a supervisor and she said the same thing as the previous person and that she was going to send in a request for audit report and I should have a answer by XX/XX/XXXX. 
XX/XX/XXXX I called XXXX and they are stating that, they will not reinstate the account to report to the credit agencies ' because the account is closed also that they XXXX not have reported because of inaccurate or incorrect information. I told them nothing has changed and I never received any notifications that something was inaccurate or incorrect on my loan. I asked what was inaccurate or incorrect and she told me that they don't give her that information. I asked her so what am I supposed to do about getting this information reported, and she said to contact the agencies again, but that was all she could do.
Product: Credit reporting or other personal consumer reports

Greetings, i apply for a loan on XXXX with pay later with affirm for a video card that later was returned and never fully refunded by the merchant. 

Purchase price {$2200.00} Interest ( 18.19 % APR ) Loan ID XXXX  6-Month Installment Loan On XXXX  the loan Was paid fully even if there was a dispute bc of a refund that wasn't fully refunded. I dispute the charge as i wasn't fully refunded by XXXX and i ask Affirm to investigate. They told me after 2 weeks they couldn't do anything so i made the final payment on XX/XX/XXXX. 

On XXXX i was refunded somehow so i called and made a second payment bc affirm claimed that the payment of XX/XX/XXXX was refunded back so to avoid late payment i made another payment of XXXX for the second time on XXXX XXXXThe loan was paid off for the second time. 

On XXXX i was notified that my loan was charge off bc they never receive the payment of XXXX in XXXX i paid twice. Somehow affirm refunded both payment and no explanation was giving on why those payment were refunded twice. 

I paid again for the XXXX time in XXXX but they already reported as 90 day late. 

I try to reason with affirm telling them that i made those payment and that affirm refunded me for no reason and never sending any notification on those refunds. 

I made those payment in time on XXXX, XXXX and XXXX so the report of 90 days late payment are false and i asking for the late payment to be removed from my credit since the mistake was made by affirm which refunded me the payment twice without notify me. 

I'm adding email from affirm confirming the payment of the loan and bank statements were the loan was paid.
Product: Vehicle loan or lease

The vehicle in question was purchase in XXXXXX/XX/2016 I was not in the country because left to work overseas inXX/XX/2016. I submitted the police report and a signed affidavit to complete the investigation. This loan was obtained fraudulently,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has well over 30 days and I have not received any investigation results.
Product: Checking or savings account

The CFPB closed my complaint because, it said, the bank replied to my complaint. There is another person living on my street that has the same complaint with the same bank, so the problem is, very likely, wide spread. 

The complaint is that it is not possible to close a BBVA account. Withdrawing all of your money, and that is an arduous process, only puts the account below minimum balance, which triggers fees, which triggers collection agency action against the depositor after a few months of accrued fees. The bank has written an excuse, but they will not put that in writing to the depositor, only to the secret web account of the depositor at the CFPB web site. 

It should be illegal for a bank to open a closed account, for any reason, without the depositors signature on documents opening an account, or to reopen a closed account, for any reason. If there is such a law, then CFPB is refusing to enforce it. 

The federal government says that they caught XXXX XXXX doing this, and fined them. BBVA says that they are smarter than XXXX XXXX, and can get away with this. The CFPB lack of action on BBVA proves this assertion true.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit file are  XXXX  unauthorized inquires from. The  XXXX   XXXX   XXXX   XXXX , i have disputed this with Equifax a very long time. I finally got help from a  XXXX   XXXX  representive who agreed to rmove the  XXXX  unautherized hard inquiries dated  XXXX / XXXX /   2016  and  XXXX / XXXX / 2016 , well Equifax took them off for a few weeks and put the  XXXX  unauthorized inquires back on my Equifax credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$640.00} ; XXXX Balance : {$430.00} ; XXXXE XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found out that you are illegally reporting inaccurate information about me. I have attached proof of these accounts reporting differently with all 3 bureaus. Some of these accounts have been previously disputed and have come back verified but how is that possible when they are all reporting something different? The XXXX XXXX XXXX account is even reporting as account type unknown. How are you reporting an account if you dont even know what type of account it is? Furthermore how is it coming back verified? The proper investigation has not been done on these accounts. Remove them immediately. 

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

I mailed 7 payments in 4 different mailings over the last 3 months that never posted to my account, a total of {$11000.00}. PHH Mortgage Company became a new company or merged with XXXX XX/XX/19 during this time period. 

I have called daily for the last 2 weeks following up on their claim to be looking for the payments. I faxed the attached cashier check stubs.. They found one check of 2 payments and returned them a few days ago saying they will need all the payments to be together to bring the loan current. The other 5 payments whereabouts are 'being investigated ' but every day no progress. They sent me a 'Intent to Foreclose ' notice 2 weeks ago that alerted me to this problem. 

I can stop payment on the remaining checks and send them all in together, ( {$12000.00} ) but their failure to handle these checks according to their own policy has resulted in late fees that I should not have to pay since these payments were received and not posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, and I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.