23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.coinbase.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX XXXX XXXX. Based upon the understanding that www.coinbase.com is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to Coinbase. Unfortunately, Coinbase provided a formal response to our justified request, failing to provide the requested information about the ISSUE Other service problem HAVE YOU ALREADY TRIED TO FIXTHIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATIONFROM THE COMPANY? 
Yes WHAT INFORMATION DID YOUREQUEST? 
Information they should have collectedaccording to the travel rule requirement ( information about the entity hosting thebeneficiary wallet ( s ) and/or informationabout the beneficiary wallet ( s ) holder ( s ) ) DID THE COMPANY PROVIDE THISINFORMATION? 
No Edit this section Edit this section What would be a fair resolution to this issue? Coinbase should either disclose the requested information about my outgoing transactions, or Coinbase should be seen liable for the damages that occurred to me and should pay me feasible compensation. See the attached letter of demand to Coinbase for further details. 
1 attachment View uploaded documents by clicking on the file name. Documents that pass virusscanning are typically available within 2 minutes of upload. 
VASPs hosting the beneficiary wallets. In my opinion, such behavior from www.coinbase.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent addresses and inquiries reporting on my credit file that need to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy back in 2012, but according to the New law that took effect in XXXX they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.
Product: Credit reporting or other personal consumer reports

There are multiple lines of credit open through America First Credit Union that are close to {$15000.00}. There is also an open auto loan through the same credit union for about {$42000.00}. There is also a credit card through XXXX XXXX  that is open, a XXXX XXXX XXXX XXXX XXXX  ( possibly the one through XXXX ), and 2 other names besides mine on my credit report. None of these things are mine.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from XXXX and Equifax ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( XXXX, Equifax, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.
Product: Debt collection

XXXX XXXX XXXX, a collection agency is reporting to all three major credit bureaus ( XXXX, XXXX and XXXX ) that I have a bad debt with XXXX XXXX from 2014. I have never had an account at XXXX and have been a customer of XXXX for over ten years. This account is in error and is being inaccurately reported. I asked them to produce written documentation that this is my account or else stop calling me and remove it from credit report. They never sent verification but they did stop calling. However this collection account is still being reported to currently to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquire that I do not recognize and never attempt to obtain. It refers to XXXX/XXXX ( Nation Credit Cards/Airlines. The company did not get permission to do or see if a wanted. I have never ask for this transaction. Nevertheless I did not give PayPal the okay to look into. I call without anyone help me and just kept transferring to someone else or giving me the same number on credit report that could help. 
XXXX XXXX ( XXXX XXXX, XXXX XXXX, and XXXX ) credit cards I have paid off and decided to close myself to keep from having so many credit cards. I do not think these should be seen as hard inquiries. XXXX XXXX card bill were kept up to date and the XXXX XXXX late note was because letter was mail to wrong apartment number on bill. I called the company to see why no bill was sent and the lady said the apt . Number was late.
Product: Credit card

I applied for a balance transfer card with XXXX on XXXX. XXXX 2025. I was approved, got email verifications and got my card. 

XXXX XXXX 2025 I got a letter in the mail from Capital One with a brand new card asking me to activate now so I XXXX use my card. I DID NOT activate that card. Instead I called Capital One to dispute and inform them that I did not apply for this card. They Said the investigation could take up to XXXX and that in the meantime I was to fax them my social and drivers license, I told them I was not going to do that at all. They then gave me a case # XXXX. I asked for them to send me email verifications and I still have yet to see any of that. I also never received any emails about this account prior. 

Then the following day I received another piece of mail from XXXX XXXX Bank saying that they had denied by credit card account application due to to many inquiries. I connected XXXX and disputed only the Captial One, and then dispute the XXXX XXXX with XXXX. 

Last night I received an email from my bank informing me that my XXXX XXXX had dropped XXXX points! I looked into my that and saw XXXX most credit cards. I have not seen anything in the mail for those at this time. 


Here are all the cards that I did NOT apply for. 
XXXX - XXXX XXXX 2025 XXXX XXXX  - XXXX XXXX Capital One - XXXX XXXX XXXX - XXXX XXXX As of this moment none of them are showing a balance.
Product: Mortgage

We were in the process of buying a studio apartment and were planning to go with our regular/trusted mortgage broker who had already pre-approved us for the loan we needed to buy this property. The builder however had Citibank mortgage as their pre-approved lender. We were asked by the builder to go with Citi as they would work easier and the approval would smoother and low-risk. 

We gave our SSN, paychecks, bank statements, W2, previous year tax document and multiple other documents - Our interest rate was also locked and at that time we gave a 5 % non-refundable deposit and removed the contingencies. We had a closing period of 60 days. 

Now, 3 weeks before closing Citibank has declined our loan application - We were communicating with them as some of the income numbers were missing in their calculations. They suddenly decided to send a notice of cancellation which has left me with the risk of losing the deposit money, I have already sold several items from my departure property. 

I would have gone with my preferred lender if I was lead to believe by both Citibank and my builder that I had to go with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report Attached to the SSN TRANSUNION AND XXXX have 1000 % violated the FCRA AND I IM HIGHLY XXXX  ABOUT THIS, 15 U.S. Code 1681 states thats companys are to report accurate information across all 3 bureaus on the credit report and dates are not accurate across all XXXX bureaus I have enclosed proof highlighted, attached below, I want all these fraudulent incorrect XXXX accounts and inaccurate inquiries from the credit report with no fraud remarks or disputes comments remarks left on the credit report within XXXX of receiving this, yes I want the entire accounts fully whipped, attached below are proof supporting this statement,15 USC 1681 section 2 Also states company can not furnish a account without my written consent and I never gave any consent, section 602 also states I have to right to privacy.As instructed on your website Ive also enclosed documentation providing proof of my current address, social security, drivers and driver license. 


XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX Account # XXXX XXXX Balance : {$660.00} XXXX XXXX  Account # : XXXX Balance : {$9600.00} XXXX XXXX  Account # : XXXX Balance : {$710.00} INACCURATE INQUIRIES THAT NEEDS TO BE REMOVED! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not reported my payments since XX/XX/2017 and I pay every month on time.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. l am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and TransUnion has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Student loan

Good afternoon, My name is XXXX XXXX, I opened a case with Ombudsman about two years ago ( in XX/XX/XXXX ) in regards to inquiries on my XXXX XXXX and XXXX/Department of Education Loans. During this time, I was provided some incomplete payment details that included an account number that was literally blacked out with a permanent marker, inquiries about payments that were not applied to my accounts ( with my bank statement printed out for proof ), the fact that my Stafford Loan Disbursed balance was showing as a XXXX balance but I was continued to get charged the same amount or more than what I was initially paying on a monthly basis. 

The last email that was sent which was never returned, was on XX/XX/XXXX @ XXXX XXXX. 

I 've seen correspondence in regards to XXXX 's negligence for over charging the consumers and I wanted to make sure that my case was documented as an example. 

For the XXXX/Department of Education payments, my initial balance after my graduation in XX/XX/XXXX was around {$420000.00}, in which I was set up on a payment plan of around $ XXXX monthly being drafted out of my account and Ive never had a late payment since this draft was created. As of today, my loan balance is over {$53000.00} and every time I ask for an itemized statement of events historically ( i.e. how much was paid towards principal, interest, capitalized interest, etc. ) that explains how my disbursements occurred, Im never provided this information in its entirety. I have bank statements to support my claim, but I can never get the holistic balance history for my records. I 've tried contacting the Department of Education locally in the XXXX area for insight, I 've reached out to my Senator via snail mail, and I 've contacted my Lendors multiple times all to no avail. 

I have all of the documentation that was requested from Ombudsman printed out and saved as a PDF document for reference. Also, I have bank statements that shows remittance for each my student loans.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im trying to clean up my credit from identity, theft, and inaccuracies and illegal use of my credit report, name. and other issues. Now I have to worry about a data breach from Experian! What is going on! I need my credit report finished as soon as possible with all the inaccuracies removed and late payments updated to paid in full never late. Hard and soft inquiries removed off my credit report because I didnt do them. The only address should be there is the address that I provided. The only phone number should be there is the phone number I provided. You guys are violating my rights. You guys are destroying my life! There should be no open accounts on my credit report. Remove them please.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts to remove unknown inquiries from my credit report. Despite repeated efforts, the inquiries in question remain unidentified and unresolved, adversely affecting my creditworthiness. 

I have diligently followed the established procedures for disputing inaccurate information on my credit report, but regrettably, the issue persists. The unidentified inquiries are not only causing undue stress but also impeding my ability to secure favorable financial terms and opportunities. 

I initially discovered the unknown inquiries on my credit report and promptly filed a dispute with your bureau, providing all necessary supporting documentation. 

Following the submission of my dispute, I reached out to your customer service department to inquire about the status of the investigation. 

Despite assurances that the matter was under review, no resolution or clarification was provided regarding the nature and origin of the unidentified inquiries. 

I submitted a second dispute, reiterating the urgency of the matter and emphasizing the adverse impact on my financial standing. 

Having received no satisfactory response, I escalated the issue by contacting your bureau 's escalation department and seeking clarification on the steps being taken to resolve the matter. 

Despite these efforts, the unknown inquiries persist on my credit report, casting a shadow over my financial profile. I emphasize the urgency of this matter and the need for a prompt and thorough investigation to identify and rectify the inaccuracies in my credit history. 

I request that you : Conduct a comprehensive review of the unidentified inquiries on my credit report. 
Provide detailed information about the source and purpose of these inquiries. 
Take immediate action to remove any unauthorized or inaccurate entries from my credit report. 
Failure to address this matter promptly may compel me to escalate the complaint to regulatory authorities and seek legal advice to protect my consumer rights. I am asking for your assistance to remove these unknown inquiries in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I identified inaccurate reporting The specific discrepancy I noticed is highlighted in the copy below. I kindly request that Equifax investigate this matter and, if necessary, correct or remove the inaccurate information. 
Please notify me once this issue has been resolved or if additional information is required to complete your investigation. I would appreciate a written confirmation of the resolution sent to my current address. 
Thank you for your time and assistance in addressing this matter. If you have any questions, please feel free to contact me directly at [ your phone number ] or via email at Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act XXXX  account # XXXX, has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

14 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was contacted by XXXX XXXX XXXX. In XXXX XXXX XXXX  in regards to a debt. When asked for verification of the debt I was asked to pay the debt instead of any account details or identifying information that would prove the debt is mine. I then disputed the account with XXXX XXXX and was told its been verified. If its been verified why havent I received any of the verifying details? By law the credit bureaus are required to do a full independent investigation, clearly that has not happened here.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account # XXXX Jefferson Capital Systems, due to the account does not belong to e. XXXX denied to follow up with the investigation. I recently was notified that that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately. As it is affecting my chances on purchasing my home. XXXX violates my my rights as a consumer as well as federal laws.
Product: Checking or savings account

Capital one still has not deposited my paycheck after 2 full business days. They are hanging up on me when I call into customer support.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/20 I sent Experian a letter to remove an extremely old address off my credit profile. I sent a letter requesting this action, I sent a copy of my drivers license, social security card, car insurance bill, cable bill, date of birth and address. 
the address that I request to have removed is still on my credit report.
Product: Credit reporting or other personal consumer reports

This account was opened on XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is NOT in COLLECTION. By the result of your last investigation Equifax verified that XXXX continued to make Collection on this account after the Charge Off. The date of last payment being XX/XX/XXXX. I request to see the Legal authorization by which XXXX functions as a Collector. I also request to see the Legal authorization of XXXX to engage in Double-dipping. This illegal and unethical practice has violated my consumer rights.
Product: Checking or savings account

Please close my account. I have tried to call to close it but the hold times are unreasonable. There is no chat or secure email function to close the account. I have a {$0.00} balance and no pending transactions, just close my account. I dont need the account anymore and dont need to be contacted, just close it.