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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX, I This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, 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. 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 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: Money transfer, virtual currency, or money service

On XX/XX/2018, a company has sent me XXXX Ethereum XXXX XXXX token to my ethereum wallet on coinbase. There were no warnings at all that this transaction could not be undertaken on the account page of the website and the only little caveat was on a support page where by definition people only go if they need support. 

Despite advertising the wallet as owned by user, Coinbase doesn't now allow me to access or move the funds which have peaked at a value of $ XXXX since then. 

Appreciating that coinbase isn't willing to give users private keys necessary to move funds I have therefore asked on the same date XX/XX/2018 to just return the ether with tokens back to the sender. 

After multiple calls to the call centre where support team confirmed the issue would be resolved by a special team, on the XX/XX/XXXX ( over two months later ) coinbase replied saying that it was technically doable but complex so money would not be returned which doesn't seem a very professional answer from a regulated company. 

I have called the support team and I was now told that there is a disclaimer on the account page to warn people against using it for tokens. While I appreciate coinbase is trying to fix this issue going forward this wasn't displayed at the time of transaction ( I have a screenshot available if required ). 
Interestingly I was unable to escalate the complaint internally and I was refused any advice on how to complain further with external regulator. 

As coinbase today still stores my asset whitin its wallets, not returning this to me it's a fraudlent activity classified as wrongfully retained credit.
Product: Consumer Loan

I have two issues. First being that Toyota Financial Services for Car Loans has changed when you are able to make a payment. For example, if your due date falls on the weekend, you are no longer able to schedule your loan payment on the weekend. The payment has to be scheduled at some point during Monday through Friday. Otherwise, you are considered late, if the payment is made after your due date AND past the " grace period '' that they allow. The primary and I were never notified of this change. I feel that the non-notification and the change are deceptive, unfair, and pose a huge FCRA risk as the customer can be reported past due to the CRAs because of the lack of awarness that TFS failed to provide for the payment scheduling change. The second issue that I have is I was in XXXX over the last 4 weeks and needed to make my XXXX XXXX car payment. When I clicked on " make a payment '' I would receive an error message or it would time out. I tried this over a course of 7 days and on different devices ( iphones & ipods ). I understand that I could have scheduled the payment before leaving but I assumed, in the XXXX century that we are in, TFS 's site would be capable of handling my request from over seas. However, I learned thats not the case. Yes, I could have called TFS but it costs an arm and a leg to call and there is a XXXX hour difference. I had to ask a friend in the US to login and make a payment on my behalf. I should n't have to do this. I also feel that this is misleading and deceptive. A way for TFS to charge a customer a late fee and report them potentially past due to the CRAs. 

Sent from my iPhone
Product: Checking or savings account

I Paid vendor using this card to make an video for my business. And as part of the initial order the Vendor is supposed to send me the sample video and if i dont like the video they will refund the money i paid. 
But this vendor never sent me the sample video and not sent the full video. 
I contacted Bank to open dispute and Bank opened dispute and after few days they closed the dispute. When i asked Bank why they closed the dispute they said that vendor said that there is no error. This answer from Bank completely blown me away as the reason i opened dispute is that vendor didnt give me the service.. i did not open dispute saying its fraud ... all i am saying is i paid for this vendor and the vendor didnt fulfill the order and so technically i have to get my Money back. 

If Bank thinks the vendor provided service they should that proof from Vendor. Instead of asking that they are simply closing dispute. 

I tried to open dispute again but with futile efforts. 

Attaching the documents with resolution from Bank on both of these disputes. 

I am coming here for help.
Product: Credit card

Company refuses to comply with principals instructions to add tender letter to application for the performance of the account under fed code sec 16.1 and 16.2.
Product: Debt collection

On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia. That even with my final Divorce Court Order decree dated around XX/XX/XXXX, California Family Law Court Case number XXXX XXXX awarding 100 % of my former Single Family Residence to my now Ex-wife effective the date of the signed Court Order. " XXXX '' refused to lawfully " Delete '' the subsequent " Foreclosure '' negative entry off of my " XXXX '' credit report after my now Ex-wife stopped paying HER mortgage sometime in XX/XX/XXXX. " XXXX '' told me to contact the former mortgage lender named " Ocwen Loan Servicing, LLC '' out of XXXX XXXX XXXX, Florida. And I did so in writing. On or about XX/XX/XXXX, I received a two page letter from " Ocwen Loan Servicing, LLC, '' dated " XX/XX/XXXX. '' " Ocwen '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " XXXX XXXX XXXX, XXXX '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( which is now trading at about {$27.00} per share as of this writing ). And I also did so in writing. On XXXX XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to : '' XXXX '' via regular U.S. mail postage. For nearly 3 weeks I heard nothing back from " XXXX. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. " XXXX '' signed for my letter around 4 calendar days later but still did NOT respond to it. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response. Then on XXXX XXXX-Monday-XXXX I received a two page written response dated " XX/XX/XXXX '' NOT from " XXXX '' but from " Ocwen. '' In short, they unlawfully " Denied '' my lawful request for a " Legal Binding Release '' form. that I was promised by " Ocwen '' in their original two page letter to me dated " XX/XX/XXXX. '' I OBEYED the XX/XX/XXXX California Family Law COURT ORDER, " Ocwen '' and/or " XXXX '' et al. still have NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian on several occasions regarding XXXX credit. This company has reported inaccurate information as such as 34 charge offs. I was told that this account would be removed from my credit report by the creditor if I settled but I would not be allowed to use their services again. This account should have been deleted. I reached out to Experian and they continue to allow this company to report inaccurate information and it is hurting my credit score. Please help because no one at Experian listens or helps.
Product: Checking or savings account

I asked cash app, why I can't get a card and no response
Product: Checking or savings account

Like to use financial software to budget my money. PNC will not work with apps such as XXXX XXXX and many others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the XXXX XXXX XXXX account was still found in my report which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was on XX/XX/2020, but no response was ever received from them to date. This account, in my report, is late payment for the months during the pandemic. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized.
Product: Debt collection

Cavalry Portfolio has a collection of {$1800.00} on my report which has been disputed. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

OFFICE OF THE ATTY XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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. I have records proving I was I never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to Experian, XXXX, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from Experian stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$680.00} XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$990.00} XXXX XXXX ( Charg e off Experian, XXXX closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXXXXXX XXXX XXXX XXXX inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with XXXX and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Connecticut Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Connecticut 's identity theft laws.

It has unequivocally come to my attention that CAP ONE AUTO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Connecticut state law, particularly under Section 53a-129a of the Connecticut Penal Code, outlines clear protections for consumers against unauthorized use of personal information, including identity theft. This law highlights the seriousness of misusing someones identity, particularly in credit reporting scenarios, and reinforces the rights of victims to seek legal recourse. 

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CAP ONE AUTO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Connecticut 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Connecticut 's state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning is a consumer reporting agency that specializes for banks. I discovered in XXXX of 2021 that they were reporting information from several banks that did not belong to me because of identity theft. 2 of the banks agreed with me and they stopped reporting at early warning. XXXX, who I have already filed a complaint against for the same actions because they are the ones reporting it too early warning. Early warning has all the proper documentation to remove that account from my file. They are going with a report from XXXX. They have the certified police report as well as the identity theft report in their possession. They go by what XXXX supplied them only XXXX has never talked to me since since I went to the police. The police cleared me because they caught the person that did this and my fingerprints did not match his. That's how I know I am right in this and these people are wrong and harming me because they are arrogantly stupid and doing something that is wrong and against the law. It is beyond me that these people think that they could be correct when the police have already proven it wasn't me. Like trump when he took out the full page ad in XXXX XXXX XXXX XXXXXXXX after the XXXX XXXX XXXX were cleared because of DNA evidence. Sometimes people just want to be right when they are 100 % wrong but when it harms somebody they need to get over that.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts and inquiries to be BLOCK AND DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first sent letters on XXXX XXXX, 2016, letters attached and Return Receipts, to XXXX and XXXX XXXX, after checking my Experian credit report and noticing XXXX and XXXX making an inquiry into my Experian credit report, asking why but never received any responses from them. Made numerous phone calls also and they can not remove it due to " ME '' allowing them to run it but clearly told them I never ever applied for anything from their companies. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to XXXX 's and XXXX 's alleged purpose for doing so since I did not apply for credit with their companies. This inquiries were performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I then sent a letter to Experian, letter attached, and did not also receive any responses from them. Then I made a phone call to them and Experian told me they can not do anything about these inquiries and that I would have to contact XXXX and XXXX, which I did numerous times, and still these inquiries are on my Experian credit report. What do I do now? I am very confused as all three parties are not doing anything about deleting this unauthorized inquiry.
Product: Credit card

I used a lot of my available credit at this time among all my creditors so things were very tight. But I was still paying all my bills on time. But i ran across 2 creditors that I found to be terribly dishonest. The first one was a company called XXXX XXXX. I received a {$12000.00} loan from them. I was paying them on time but I noticed that after making a few {$600.00} payments, that my debt to them only kept climbing. I thought it was a simple interest loan. So after every payment, it should have gone down. But it went up. But the one I am very angry about was a Best Buy credit card by Citi. It had started with a line of credit of {$2000.00}. A few months in, I went over my credit limit by {$20.00} and then was going to charge me on over limit fee of {$45.00}. I called them and asked why they let me go over my credit limit. They said to be nice. I asked them to not be nice again especially since they were charging me to go over my limit. I told them to decline any charges over my credit limit. They said that was fine. But like 5 months ago, they sent me a bill that said I went over my limit by like {$650.00}. I was completely stressed out and I paid it immediately but soon discovered I was not able to pay my other credit cards. That I feel terrible about. I have 3 credit cards in good standing. I am hoping to settle my XXXX ones. But what Citi did just destroyed me overnight. I was like at XXXX, my credit score and the day they reported me as going over, it ranked me to like XXXX. I have not been able to recover. I am at fault for utilizing too much of my credit, a lesson I will learn. But what they did feels criminal to me.