23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report and seen that CARVANT FINANCIAL LLC are reporting inaccurate information on my consumer report. They are communicating with me about an alleged debt for {$15000.00} to my consumer report. This alleged debt is unverified and I am demanding pursuant to 15 usc 1692g ( b ) that you obtain verification from the original creditor of the debt or a copy of a judgment, or the name and address of the original creditor and a copy of such verification or judgment, or name and address of the original. As the consumer and creditor of this transaction 15 usc 1692a ( 3 ) ( 4 ), I am demanding that CARVANT FINANCIAL LLC terminate all collection efforts. CARVANT FINANCIAL LLC is defaming my character and ruining my reputation by misrepresenting that I ( the creditor of this transaction ) owe an alleged debt. Fact, creditor means pursuant to the FAIR DEBT COLLECTION PRACTICES ACT any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. Fact, CARVANT FINANCIAL LLC does not have credit to offer or extend ( 15 usc 1601 The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit ) and has received an assignment from the dealership which means they are a debt collector.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts or authorize these accounts. In accordance with the Fair Credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. One more thing according to the 15 USC 1681s-2, A persons shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are listed below. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

I've had a PNC XXXX XXXX account since XX/XX/2010, the account was with me from XXXX   to XXXX, now XXXX. The account had become overdrawn due to a dispute on a merchant transaction which was not authorized. PNC, provided provisional credit during the time of review with the merchant. Per my understanding, the merchant provided information stating the charge was valid. I did not have time to rebuttal their claim. Therefore, PNC withdrew the funds from the account. I was not aware that the account had become overdrawn. I received a statement the other day showing a negative balance of XXXX roughly. This now is reported on XXXX XXXX and XXXX XXXX as I've got a charged off account. Had I know this occurred, I would have put the money back into the account putting it at a XXXX balance. PNC never called me, never wrote me asking to put money in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I ask Transunion to dispute XXXX because they were reporting my account still having a balance of {$890.00}. I also contacted XXXX ( XXXX XXXX, XXXX ) and was sent a letter to show that my balance was XXXX. Transunion made the correction then put the information back on my credit report and is telling me I have to wait XXXX  days for them to investigate. I should not have to wait XXXX  days XXXX claim they sent the letter to them.
Product: Money transfer, virtual currency, or money service

I have a legitimate Coinbase & Coinbase wallet account, both are linked to my bank accounts. Coince base is a seller of cyrpto currency. About 3 months ago Coinbase disabled access to my account and I've been locked out ever since. I've been emailing them, trying to re-open a case, I've tried tweeting to them on their twitter account & direct messaging them on their coinbase support twitter account & all I ever received are automated messages that have the exact same writing & phrasing in every response. I haven't been able to access my money or account for 3 months. I recently contacted Coinbase to try and get my money back & close my account & still no response from them. My money is held hostage by coinbase.I put in a complaint with the XXXX XXXX XXXX over 1 month ago so that they may respond & still nothing. Also, when I checked their XXXX account, there were several hundred people who stated Coinbase did the same thing to their account, some people have been locked out of their accounts cein 2019 & there's no response from Coinbase at all. I tried to look up their employees on XXXX, it states there are over 1000 employees so I'm not sure why no one is getting back to us. There is also no physical address or phone number for Coinbase. they're definitely running some type of scam, as i have no access to my money, i don't know how much is in there as I purchased multiple cryptocurrency. I'm about to close that bank account & need to get my money back from them ASAP. XXXX is no longer hosting personal accounts in the USA, so I need to close that account ASAP but i can't do that while my money is stuck in Coinbase. I have several emails to correspond with my complaint, please advise and help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with Transunion to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my amount vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violatio

n of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 (
a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Se

ction 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the
accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo continued to contact me by email regarding a credit card application ( that I did not make ) and subsequent credit card approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Experian to protect my personal information and they had a data breach me and children socials emails and etc were exposed i want to sue please help
Product: Credit card or prepaid card

I had purchased a shipping container from XXXX out of California on XX/XX/2019. The shipping container was supposed to be cargo worthy, wind and water tight. The container was rusted severely and leaking water. I tried to work things out with XXXX to have them pickup and replace the container. They were not willing to do anything for me except at 100 % my expense not taking any responsibility for what they had sold me.I finally had to contact my credit card company ( Capitol One ) to file a dispute claim for selling me a container that was damaged and defective. After several attempts trying to go through the dispute process, the Capitol One sided with XXXX that sold me the container. I had even had a 40 year government certified container inspector come out and verify that the container was not cargo worthy, wind or watertight. Capitol One is supposed to protect me against fraudulent charges in accordance with Visa 's and Master Card 's own guideline section 13.3 in there own manual. Capitol One has violated my protection rights for fraudulent charges along with defective merchandise and stuck me with a {$2500.00}. rusty shipping container. I had to buy another container from another company to store my furniture in while my home renovation was in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a mortgage and I have been using Transunion monitoring service for over a year to ensure I was able to. I find out that the credit bureaus use two different methods to report credit. One they use on their consumer portal based on some method they thought up called XXXX XXXX and the other based on FICO that they give to lenders. This has resulted in a 50pt gap in the two scores, with FICO being the lower score.

I feel this is a deceptive and fraudulent practice. If you join a service to monitor and manage credit, then only one method should be used to report to ALL parties. I believe them charging me a fee and giving me erroneous information that does not reflect what they give a lender is a kin to the used car game the XXXX XXXX XXXX plays. 

I believe all three bureaus are playing the same game here and it should be investigated. One method for all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all XXXX  Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

I have MULTIPLE fraudulent accounts opened in my name against my account! I have tried MANY times to get these charges off my credit with a response of, 'its my responsibility to pay. ' The accounts are not mine and I did not open them so I will NOT be paying someone's fraudulent charges in my name. Please get back to me ASAP to resolve all of this. Thank you.
Product: Credit reporting or other personal consumer reports

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.
Product: Credit card

On XXXX/XXXX/2017 I was erroneously billed {$4000.00} for granite countertops. On the same day I was billed the correct amount for the countertops we had installed {$3400.00}. I filed a dispute with Synchony bank, but it was closed without me or the store ( LOWE 'S XXXX NC - Store # XXXX ). They sent me a letter stating that they trust the dispute had been resolved to my satisfaction. Nothing was done to resolve the matter. The charge still remains active on my account. I tried to contact them again today, but they could only offer to re-file my dispute. At that time I asked them how I could escalate the matter, and they did n't provide me with an acceptable response. I then asked them what government agency I could escalate the matter to. I was told the only way to submit a complaint was to them, which I know is wrong. I then found you guys through XXXX. I 'm hoping you can help, because at this point. I do n't think they are going to remove the erroneous charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX is govern by XXXX5 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a email to settle my account. I called to accept the settlement and credit card company told me I needed to call back closer to when I could make the payment. I called back on XX/XX/XXXX to accept the settlement amount and schedule XXXX payments that would close and settle the account. I sent up XXXX payments for {$55.00} first to be deducted on XX/XX/XXXX and the next on XX/XX/XXXX. I asked the creditor to provide a letter agreeing to the settlement that included the terms of the settlement. I was told they wouldnt provide that until the two payments were paid. I thought this was very odd because I wouldnt have any documentation of me agreeing to the amount I accepted. On XX/XX/XXXX the XXXX payment was deducted. I called back requesting documentation again because I kept receiving emails with different settlement amounts. Still they wouldnt provide the letter. I even asked to speak to a supervisor and they said they do not provide settlement letters until its paid in full. So I called back the week before the XX/XX/XXXX payment was due to confirm the payment was being deducted and asked still asked for a letter and they now said the settlement is pending until the last payment is received. Its not XX/XX/XXXX and they didnt deduct the last payment. I called today and the customer agent stated there was no settlement agreement for my account so I stated that was impossible because the initial payment was made already so I asked to speak to a supervisor and she stated its pending and that there was no payment set up to come out on XX/XX/XXXX. I told her this is why I requested the letter documenting me accepting the settlement because they keep sending me emails with different amounts and no that the final payment hasnt been deducted this is hurting my credit. Since they record every phone call I asked that she go back and check XX/XX/XXXX when I called and set the XXXX payments up to be automatically deducted from my XXXX  card.
Product: Debt collection

In XXXX LVNV Funding collection agency placed an unknown account on my credit and decided to sue me for it. I answered the complaint and appeared in court- however a representative from LVNV Funding did not show so the case was dismissed. Case # XXXX. After that, LVNV Funding continue to place the account on my credit every year. Once I dispute it- it gets removed. I need for the harassment and the bullying to stop. I was in the middle of financing and was denied because of the account being placed on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need my information to updated on my report and current
Product: Money transfer, virtual currency, or money service

I Have use MoneyGram plenty of time send money to family members in XXXX. All the time they stop my payments and make me call them to verify where the funds are coming from. They profile me and they are XXXX towards XXXX. Ask where I get my money, when, how and what I do for a living. 

They are harassing me and abusing their authority with me asking all this questions very confidential and not necessary. Will get my lawyer to sue them for harassing. They take their fee all the time and not giving it back. I have sent in total of {$5600.00} of fees with MoneyGram. 

Tell them to STOP HARASSING ME.
Product: Payday loan, title loan, or personal loan

I have a personal loan with this company. 1 ) They will not allow me to do any type of extension on a payment without " renewing the loan '' and taking out more money. I had to do that back in XXXX of 2022. I did not want more money, I wanted an extension for a payment. 2 ) they will not allow me to change the due date of the loan. As of right now, my due date is the XXXX ( or XXXX ) of the month. I have explained a couple of times that the first of the month is when every single thing I owe is due, but they will not change my due date, they just say " pay more next time ''. If I could double up my payments, don't you think I would? And 3 ) I have repeatedly asked them not to call me, I wish to have all communication in written form via US Mail. But, today, XX/XX/XXXX, only 1 or 2 days after my due date, not even waiting for the grace period, they started calling me again. So, my requests to the CFPB are : please tell them to stop calling me, ask them to kindly change my due date to the middle of the month and give me an extension on a payment when I need it instead of making me sign a new loan and give me more money. 

Thank you.
Product: Checking or savings account

I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each during XX/XX/XXXX ( one on XXXX XXXX and another one on XX/XX/XXXX - both {$2500.00} ) on after following this promotion all the conditions. But I haven't received {$100.00} for these direct deposit activities. I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates ). Dealing with totally inefficient Citibank customer service is good for nothing. Already talked to them for at least 3 times via chat regarding the same issue. 
This bank is so large and inefficient that left hand doesn't know what right hand is doing. Customer service is just looking to pass the buck from one team/person to another.
Product: Checking or savings account

I requested USAA to send {$190.00} to my Home Owner Association account # XXXX on XXXX, 2022. See the attachment " XXXX '' which was provided by USAA mailed to me through US Post Office. It shows I requested to send to an account ending with XXXX. 

But, in the receiver 's receipt provided by XXXX XXXX XXXX, it shows this payment was sent to an homeowner ID XXXX. 

Because of this mistake, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) applied {$1000.00} in fines. 

In the past I called USAA numerous times for help resolving the issue. But, USAA was not able to do anything on my case.