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

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THESE ACCOUNTS IMMEDIATLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXXXXXXBalance XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance
Product: Credit card or prepaid card

The card I have a problem with is called Citi card. They will not lower my interest. They said this is because of my debt to ratio. I need some relief from these credit cards. If someone could help me, I would really appreciate it. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm disputing late payments on my credit report. After reviewing my records, I found these entries. I sent inquiries over a month ago but received no response or adequate validation. I request your help to resolve this quickly.
Product: Credit card or prepaid card

I opened my account in XXXX. This account was paid and terms met in XXXX. This company then sold my account to XXXX XXXX XXXX in attempt to get payment on a debt that was previously paid and closed. I am now being sued for XXXX when my initial credit limit was XXXX. My credit report shows that this account is paid, closed, and in good standing. However I am being sued for money I dont owe. I have tried to speak with Synchrony Bank to attempt to get my account statements. They are refusing my requests and refusing me access to this old account. XXXX XXXX has not sent me any validation of debt or statements from synchrony with my purchases or signatures. This is so wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Financial Services of Mississippi about a old auto loan. I asked them to remove it. I was informed that they no longer report to the Credit bureaus and that my debt is forgiven through then. This is an issue. I need this resolved as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I was scammed on cash or trade, I was trying to purchase 2 concert tickets from another member and after I send {$260.00} to them via XXXX they blocked me and never sent the tickets. XXXX XXXX Citizens bank ( my bank ) refuse to help even though I can prove I was scammed and all that is required is for them to reverse the transfer.
Product: Money transfer, virtual currency, or money service

I have a cash app account and I get a call on my phone and then the caller ID is his cash up so I think it's cash up I'm told that my account has been hacked and they need me to verify some information and then they had me download something they asked me not to get back in my account for the weekend cuz I needed to monitor and go through everything so I didn't I get back in my account Monday and all my money is taken out and it's all going to XXXX guy like XXXX something transactions up to {$2000.00} and I tell cash up about it last Wednesday well today I follow up with them come to find out Monday when I called him to check on it they closed out the case out of retaliation because I told him that I was going to call you all because they weren't doing nothing for me and now I'm just out {$2000.00} and every time I call them they just hang up on me
Product: Money transfer, virtual currency, or money service

Coinbase , Inc. account assets were fraudulently transferred by Coinbase based on fraudulent Send request by XXXX. This occurred three days following account hack XX/XX/2023 and prompt call to Coinbase, XXXX XXXX who confirmed the hack. 
Coinbase Support instructed change of password and change of Two Factor Authentication from XXXX to XXXX. 
The Hacker was not properly identified indicating Know Your Customer and Customer Due Diligence deficiencies ( XXXX XXXX XXXX  ) and was allowed to make changes to my account settings, process asset conversions, and transfer assets from my account, then delete account setting changes. 
Coinbase Security System failures failed identifying Red Flag items that should have halted fraudulent transactions to occur : Account holder did not authorize asset conversion or transfer.

Hacker accessed my account from a new IP address / VPN with a new unidentified device.

Asset conversions and transfers were inconsistent with account owner activities, which had not occurred prior to the hack. 
Fraudulent transfers were Sent to addresses not identified by the Account holder 's established White address list. ( only two addresses were identified by the Account holder ).

The asset conversions and transfers occurred following n
otification to Coinbase , Inc. and verification by Coinbase , Inc. Support of an Account hack.

This incident resulted in Demand for Arbitration through XXXX XXXX XXXX. There were approximately three months of attempted negotiations by a Coinbase , Inc. third party law from outside Arbitration in violation of the Coinbase , Inc . User Agreement Arbitration clause. 
This delayed the Arbitration case from moving forward as stipulated. Things now appear to be moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX  woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my elderly status as well as my mental capacity and I wish to have the account removed, along with the lates.
Product: Credit reporting or other personal consumer reports

I never requested a credit pull or anytbing for these banks/lenders or whoever they may be. I believe my information was used incorrectly or fraudulently. I tried calling each one and did not help me at all. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

On XX/XX/22 report # XXXX - This company, CREDIT COLLECTION SERVICES stated they couldn't locate this debt. They have also VIOLATED FDCPA by not sending out proper notices required by law to my address to inform me of this alleged/unknown debt. Instead, they reported it to the credit reporting agencies which has damaged my credit and has gotten me denied for a home loan. This account was in collection activity, and they still reported it. That's also a violation of FDCPA. This company have broken various laws. Each law broken is {$1000.00} each. I have attached my ID as proof of residence and also proof that this company stated THEY COULD NOT LOCATE THIS ACCOUNT when in fact it was on my credit. It doesn't make sense for me to 'provide '' proof of this alleged debt to your company if your the one that is reporting it? 

I have added XXXX and XXXX on this letter because they are in violation for allowing this company to REPORT INACCURATE INFORMATION. THESE CRA 'S didn't run a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX .... balance {$8900.00} XXXX XXXX  XXXX .... balance {$1200.00} XXXX  XXXX .... balance {$0.00} XXXX XXXX XXXX XXXX  XXXX .... balance {$12000.00} XXXX XXXX XXXX XXXX XXXX .... balance {$0.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown XXXX XXXX XXXX closed INQUIRIES Unknown/due to XXXX XXXXXXXX XXXXXXXXEQUIFAX false pre-approvals and inaccurate in consistent data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the closure of my account, which I understand was closed due to the discharge of my debt. While I appreciate the resolution of this matter, I find it necessary to express my discomfort regarding the impact this has on my credit report and overall financial standing.

It is imperative that this account be removed from my credit report immediately. The presence of this closure is causing unnecessary complications in my financial affairs, and I believe it is in both of our best interests to resolve this promptly.

Additionally, it has been reported as a [ WRITE OFF ] and I have yet to receive my IRS Form 1099-C concerning the discharged debt. This document is crucial for my tax records and to ensure compliance with the IRS regulations. I kindly request that you provide this form at your earliest convenience.

Thank you for your attention to these matters. I look forward to your prompt response and resolution.
Product: Checking or savings account

I recently open my restaurant on XXXX. On XX/XX/2019 i saw a charged on my account for {$200.00} i called the bank they open a case and cancel my card. I was told that i will recieved a new card im 5days new card was never recieved. On XX/XX/2019 The bank contacted me a weeek later and advised me that my chase was resolved and my funds was put back. I explain to the agent i still have not recieved my card, agent apologize and told me that i would be recieving a new card the next, the card never came after i closed my restaurant on the next day i had to go to XXXX to purchase some items fpr my restaurant i tried used my card to pay for the items and the card decline i taught to myself that not possible i had ovef {$2000.00} on my account and another {$1600.00} in my business account ( my personal and my business account are under the same umbrella ) i paid the items cash and once i got my my car i open my chase app and relize over {$2000.00} was transfer and i look ad my business account and it was transfer over to my business account from the the person stsrted swipping my card for {$600.00} {$750.00} {$600.00} several charged up to {$3900.00} i contacted the bank after being transfer several times i finally got someone to help me the agent open a claim. The next day my funds was returned a week later chase took my funds again, and this time the agent said it was me that did it and the not giving me my money back.for 3 weeks now my business have being shut down because my business account is overdrawn. I was told since its my card and my pin that was used it was me, but i explain thwt i never received the new card. I went to the police department file a report report my business in XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you review the documents? Some accounts are incorrectly listed regarding the reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several unauthorized inquiries have been made on my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all of the following inquiries be blocked and removed from my credit report immediately, as they are the result of fraudulent activity : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. A charge off account from XXXX XXXX XXXX is reporting on my credit report. According to IRS publication 4681 : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. A charge off is considered income by the IRS and income does not suppose to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This particular charge off account show inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Checking or savings account

Hi, my name is XXXX XXXX XXXX, my XXXX is XXXX. The first day i was opening my account banker scan my documents and after wrote over they, that's why they are not correctly in the Database, thats why they are no legible, thats maybe the cause of all this situation. I have send the documents more than 5 times, including through the one of their managers. 

Now Chase retein my funds from XX/XX/XXXX till now and nobody give me and straight answer, last call they was saying that the funds where in OFAC but is imposible because i have OFAC confirmation and they don't have my funds. 

Today they was trying to tell me that is my fault, because i don't have a legal document, in that case, why they open the account in a first place...? Is not my mistake. 

But honestly is not correct, i have I XXXX and I'm legally working and living in this country. 

They told me now 8 times " We are gon na send the check next week '', the first time was in XXXX, but never happen and the story start over and over again without and end. 

I'm really upset, because i have tell they that i wan na close my account but i don't know why in 6 months they don't close it, whats is rare because in the Branch they have a note saying that i can make a withrowal but they can not make the overwrite in the system and thats it. 

I have call more than 20 times, every call 1 hour or 2, they have call several times with a different version of the situation, i have been in the Branch several times, more than 15 times, in differents Branchs actually ... what i need to do to receive my funds??? 

I have my son and wife suffering this horrible situation and i have been paying everytime XXXX plus my rent payments because Chase have my Funds and i have delays. 

I need a Senior Manager and the solutionplease... ASAP.
Product: Debt collection

This debt was obtained in a different county that i have never live in. I never had service with XXXX ( original creditor ) in 2012, which is when the service was disconnected as i was told by EOS CCA. I have never seen a bill for this debt ever! I only know about this debt because i had my credit checked to get a credit card through my bank. It is completely shocking to me that this EOS CCA can still say i owe this debt without even proving how i owe the debt. I was sent by EOS CCA saying they verified that it is my debt but never sent any information to back up their allegation of owing debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts are charged off and i have yet to receive a 1099C from these accounts so i can report them to the XXXX. I did not give any type of consent to report these accounts 15 USC 1681b ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law is using deceptive business practices to collect as much money as possible from consumers. They have made it almost impossible to cancel your service with them and falsified claims on balances owed. This company has disregarded their settlement with the CFPB and returned to scamming as much money from customers as possible. Additionally they purposely ignore any work previously done in order to prolong the payments a consumer makes. 

Lexington law has billed me on different days of a month making it impossible to plan for a charge. Additionally when I called to request my account be closed and refunded for the charge pending they denied both closing the account and refundind the money. I will be filing a chargeback against Lexington with my bank as I DO NOT authorize this charge.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$110.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$130.00} Inquiries for Blocking and Deletion : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, Transunion has violated my consumer rights under the FCRA, numerous times. I did not give my written permission or instructions to furnish the attached negative accounts. I have requested documentation proofs from Transunion of my written consent to furnish the accounts and did not receive them, only was sent a copy of my consumer report as they always only send. 

15 US Code 1681 States I have a right to privacy and that a consumer reporting agency can not furnish an account without my written permission and instructions. 

Please see attached...
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied through XXXX XXXX of XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside XXXX. I received an email from Upgrade and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that Upgrade and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from Upgrade or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed Upgrade sent XXXX emails to me, dated from XXXX to XXXX. It was on XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from Upgrade. I contacted Upgrade and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
Product: Vehicle loan or lease

Well I saw Wells Fargo is suppose to pay a credit to customers who took a car loans recently. I believe I had a car loan from Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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.