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

Transferred funds from my vault ( XXXXXXXXXXXX ) to my XXXX wallet but cancelled the transaction within 4 minutes. It has been 6 days and still no approval on the transaction. Asked coinbase.com customer support to fix the problem they responded with a stock response : Coinbase Support XXXX XXXX 2017 XXXX Im very sorry for any trouble with this. Im afraid transactions can not be cancelled once the bank transfer process has started as this is an external process. For future reference, for some payment methods there is a 5 minute window that exists after you place your order during which you can cancel a transfer. You can do so by clicking on the transaction from your history page here : https : //www.coinbase.com/transfers Once your transfer completes, you could immediately place a sell order to have your funds returned to your bank account. Your funds would arrive back in your account within 1-2 business days. The sell menu can be found at : https : //www.coinbase.com/trade Please note that the expected arrival date of your funds is given on the Confirmation dialog prior to placing the order. You would also have received an email confirming this information when you confirmed the order. Again, we apologize for the trouble. If you have any further questions or concerns please let us know and we would be happy to assist you. XXXX XXXX Withdrew funds to XXXX Wallet Waiting for approval XXXX XXXX {$1200.00} USD
Product: Credit reporting or other personal consumer reports

Dear Trans Union, XXXX, and XXXX, There is information that on my consumer report that is inaccurate. I am requesting that the reporting of this information be deleted. Under 15 U.S. Code 1681 e ( B ) and 15 U.S. Code 1681 I ( 5 ). These accounts are in violation of not reporting 100 percent accurate. Please see attached credit report with items highlighted. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block deep transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice I look forward to your response. 

Thank You
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using the platform several times and reporting the issues, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns to those of us that have to use these platforms for transfers money to other platforms for our bills. Whats the point if we cant be guaranteed our money back.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail today informing me that I was not approved for a XXXX XXXX XXXX XXXX XXXX applied for in my name on XX/XX/2022. I did not apply for this card or any other in recent history. TransUnion shows the information submitted to the company as being an old phone number ( not current ), my first and last name, and my address. My credit score dropped XXXX points for the hard inquiry due to its chronological proximity to a pull done for a credit card I opened two months ago. I did not apply for this card ; TransUnion does not allow you to dispute inquiries, so that's a problem in and of itself. The issue with XXXX is that I don't know how this bank got my information in an application and THEN failed to perform adequate checking to make sure the information belonged to the applicant.
Product: Debt collection

On XX/XX/2017 I spoke with XXXX ( extension XXXX ) at Credit Control Corporation who was not able to give me any information on the alleged debt that I owed and refused to answer any of my questions. She was not able to provide me any form of evidence with my signature on it between me, them, or XXXX. I have no dealings with this company and owe them no debt. They are illegally reporting this on my credit profiles and it is adversely affecting my credit score. As of today XX/XX/2017 I called again and spoke with XXXX who again was unable to send me any information with my signature on it on any agreements or contracts between me, them, or XXXX. She told me that the itemized statement is enough to validate it and it is not.They have absolutely no documentation whatsoever with my signature on it and refused to give me their license number or prove they are authorized to collect in my state.This is also day two that they claim a supervisor is not available.They are also one of two separate companies trying to collect on this same debt. They are reporting twice for different amounts ( {$210.00} & {$250.00} ). This is unable to be validated or verified and must be deleted per the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts in violation of not reporting XXXX % accurate. XXXX XXXX XXXX XXXX XXXX consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days! 
It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a bankruptcy on my credit file which is inaccurate.
Product: Credit reporting

Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters several times and made a complaint with the CFPB about a chapter XXXX on my report. XXXX has removed my bankruptcy from my file Experian stated they verified bankruptcy thru XXXX. Please remove the bankruptcy immediately I have included the letter from XXXX
Product: Credit reporting or other personal consumer reports

After a reinvestigation I was looking over my report and I noticed this accounts listed below is not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account was charged off on the following date : XX/XX/year> since then, the account has repeatedly been updated as charged off every month since XX/XX/year>. This is an update in the payment history. A charged off account should not include an active payment history. since then the account has repeatedly been updated as charged off every month. This is an update in the payment history a charged off account should not include an active payment history this inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after I asked you to do it twice and your neglect has violated my rights. I am demanding a deletion of the following account The dates last active are inconsistent across all XXXX credit bureaus. 

XXXX XXXX  XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. The dates last active are inconsistent across all 3 credit bureaus. - Delete Account Immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00}
Product: Credit card or prepaid card

On XX/XX/2022 I started having issues with my American Express Gold Card, without my knowledge or consent they reduced my credit card limit from {$10000.00} to {$3000.00} causing my credit balance to be very near it's limit. Around the same time by AMEX XXXX XXXX kept taking out the balance due from my automatic payment when should have had it set at minimum payment due. I called and spoke to multiple customer service reps and was told that my card will be set at minimum payment. When my next payment was due it again tried taking out the balance due causing my bank account to return the payment and I was charged multiple return fees of {$29.00}, totaling {$140.00} in fees. I again called AMEX to inquire why the issue was continuing to happen. I was basically told that it was my fault for not having enough funds in my account. Around the same time, I was also dealing with the credit limit reduction, I was told if I could pay an extra {$650.00} for the month of XXXX that they would consider increasing my credit limit again. The stress that the return fees were causing me and not being able to get a clear answer or solution from American Express I decided to pay off the XXXX XXXX to get the balance to XXXX, I paid {$790.00} on XX/XX/2022. I spoke with another customer rep to see if AMEX would be able to take in consideration that since I just paid one card off, and I wouldn't be able to make the {$650.00} payment to the Gold Card to have the credit limit increased. I asked if they would help me since I wouldn't have the money to make that payment and I was told no because both card are not the same and they are not able to assist me. At this point I have had no luck with any help from American Express and then XXXX, 2022 they cancelled both of my credit cards, without my knowledge or consent. I was told because I was late on payments, and that my credit balance is very close to it's credit limit that they made the decision to cancel both cards. I have been on time with my Gold Card, never missed a payment, with the blue card the issues were addressed with AMEX but never resolved to the point that I just paid the card in full. I can not express how much stress and anxiety these issues have caused me, I lost my job due to covid and I am finally working and trying to catch up with bills and they canceled my cards and have put 2 negative inquires on my credit score. If American Express did not reduce my credit limit, I wouldn't be near the cards credit limit and if they would have resolved the minimum payment issues when I called, I wouldn't have been late on payments. I tried to reach out to them with these issues and did not help me but instead canceled my cards, which is going to cause credit issues for me down the line, I feel very unfairly treated and bullied.
Product: Credit reporting or other personal consumer reports

My spouse made a purchase with Nordstrom in XX/XX/XXXX. The item did not fit. The cost was approximately {$35.00}. She thought she had returned the item. A balance of {$35.00} was on the card. We received no messages indicating she owed the {$35.00} and was unaware until a letter arrived. Once she saw the letter she immediately paid the balance. Nordstrom reported the payment as late and XXXX reduced our XXXX  scores by XXXX points. My spouse called Nordstrom to explain and ask to have the delinquency removed saying we have never been late since the account was opened in XXXX. The credit agent told her they would not change the reporting. She then filed a dispute with XXXX. They received the same response from Nordstrom. I'm looking at the account via the XXXX app and see Nordstrom has balance and past due errors in their reporting. We have no balance with them. Prior to this incident my XXXX score was XXXX. Now it is XXXX. Nordstrom caused a decline in my XXXX score of XXXX points! Since Nordstrom did not adequately notify us of the minor account balance I am requesting they remove the past due 30 days status of XX/XX/XXXX and restore the account to current status. Additionally I am requesting XXXX restore my XXXX score to where it was before this incident. Consumers should not be penalized when clearly the reporting company is unable to produce accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause me.
Product: Credit reporting or other personal consumer reports

My credit report was affected by my information being exposed in the data base
Product: Credit reporting or other personal consumer reports

Experian is furnishing inaccurate information on my credit report which is causing harm to my personal life. As of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are XXXX fraudulent/unauthorized inquires listed. 
As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX is furnishing a fraudulent/unauthorized inquiry on my report that was made on the same day as the XXXX - XX/XX/XXXX inquiry. 

The inquiry from XXXX XXXX XXXX XXXX is fraud. These XXXX inquiries showed up at the same time and were not authorized by me. 

I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Experian or XXXX written consent to furnish this information. 
This is a violation of 15 USC and the Fair Credit Reporting Act. Both my consumer and privacy rights are being violated. 

Please remove the above mentioned inquiries. It is Experian and XXXX 's duty to accurately report information and as of now they are not doing that. I look forward to Experian and XXXX resolving this matter with this communication. Should they choose to be willfully neglectful as it pertains to my file I will file a dispute against them in small claims court seeking remedy for said violations.
Product: Debt collection

While I was disputing an over charges by  XXXX   XXXX   XXXX   XXXX  for charges of DATA used by a Tablet given to me in an offered by  XXXX   XXXX   XXXX   XXXX  when I connected  XXXX   XXXX  services in my apartment,  XXXX   XXXX   XXXX  cancelled my  XXXX   XXXX  services.    XXXX   XXXX  is charging {$490.00} for breached of contract. I do not feel that I breached  XXXX   XXXX  's contract when they where the ones who terminated me.   I.C . Systems Inc. hav e reported me to  XXXX  and  XXXX  that I know. I do not know how many more.   They reported me for a debt of {$490.00}, wait a couple of months, withdraw it. Then wait a couple of months and report me again. Can they do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I had a secured credit card with XXXX XXXX XXXX XXXX There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.
Product: Payday loan, title loan, or personal loan

I owed {$7000.00} to CareCredit, they keep uping my fixed interest even when I HAVE NEVER MISSED A PAYMENT. i recently took card security off which was {$120.00} so then they added more interest which made what i owe {$7100.00} now and i have tried to contact them but no straight answer, its always an excuse. if i was paying card security and interest would make my total {$520.00} and it was only {$400.00} as i said before i took card security off so it shouldve made my total {$280.00} but it only went down to XXXX I need help, i cant keep paying this when it doesnt even go down. this company is a scam & doing it to so many other people. i have already paid XXXX XXXX  to them and owe {$7100.00} still when the original work i had done at the dentist only came out to be {$9400.00} so if i DID pay them off id be paying them a total of XXXX anything over {$1000.00} you should be contacted by a carecredit representative & I NEVER WAS.
Product: Credit reporting

XXXX XXXX, an apartment complex that I lived in 7 years is charging to me to replace the carpet. The carpet was to be replace because of wear and tear
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. It has been well over a year TransUnion and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting inaccurate address infomation after i send certified mail requesting to remove wrong/old/inaccurate addresses. I have never lived or used these addresses. 
XXXX XXXX XXXX XXXX, MI XXXX THIS IS MY ONLY ADDRESS EVER. 

They are reporting address on XXXX XXXX and XXXX XXXX which is incorrect and wrong.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX TRANSWORLD SYSTEMS INC XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information which has been sent to collections on my credit report. After extensive examination of my medical records, Ive discovered that the below balances were never billed to my insurance company, XXXX XXXX XXXX XXXX. listed below are the accounts in question. 

Please verify for each of these accounts, what I am being billed for, and an itemized copy of the services I am being billed for. Please also confirm that these services were not billed to my insurance company, and please confirm that I am not liable for these balances since my insurance company was not billed in time to get these account balances settled. A copy of this letter has been sent to XXXX, XXXX, and XXXX as well. These accounts were removed from my XXXX and XXXX reports already, but they remain on my XXXX   report. I have verified numerous times that my insurance company was never billed for these alleged services. Please advise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00} Sincerely, XXXX XXXX