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

I am a customer of Coinbase. Coinbase is a licensed and registered financial entity based in the United States, Coinbase is obligated to follow regulations, rules, directives, etc., enforced by its regulators ( depending on the jurisdiction ) and other law-making bodies. These include following proper KYC policy, abiding by the XXXX XXXX, and complying with government AML/CTF obligations and responsibilities. Information was sent to Coinbase about an unpleasant incident that involves fraudulent activities conducted by the XXXX company. They convinced me to open a Coinbase wallet to make an investment in the form of cryptocurrency. According to them, I could only deposit to my XXXX trading account through crypto which is why they needed me to open a Coinbase wallet. I then wired from my XXXX XXXX bank account to my Coinbase account which I converted into crypto USDT. From my Coinbase wallet, I was instructed by the scammer to send crypto to wallet addresses provided by them. All in all, I withdrew a total of approximately XXXX USDT over three transactions listed below : - Crypto transaction 1 Amount : XXXX USDT Date : XX/XX/2023 - Crypto transaction 2 Amount : XXXX USDT Date : XX/XX/2023 - Crypto transaction 3 Amount : XXXX USDT Date : XX/XX/2023 As the transfer of cryptocurrency involved my Coinbase wallet, I informed Coinbase that I was able to trace and determine the wallets that were used by scammers to siphon my money. To my surprise, the recipient wallet addresses are unknown and not registered as KYC wallets on any crypto platform. I was under the impression that crypto xchanges like Coinbase are bound to comply with the XXXX XXXX rule which clearly states that VASPs are required to gather sufficient information about the sender as well the BENEFICIARY of a transaction. It is very obvious that Coinbase never investigated the beneficiary wallet address or the owner of that wallet and let the transaction take place without any monitoring. I attached screenshots of the tracing of the fraudulent transaction from my Coinbase wallet along with diagrams as proof that transactions leaving Coinbase are indeed fraudulent. Hence, I urged Coinbase to investigate the matter and trace my funds ultimate destination to apprehend the criminals for this financial crime. I am also of the opinion that Coinbase has neglected me as their customer and allowed me to engage in risky transactions which also makes them liable for my loss and responsible for sufficient compensation.
Product: Money transfer, virtual currency, or money service

I received a phone call in my office at my workplace. During the call, a person told me that my store was expecting a shipment *security cameras ) but It could not be delivered because there was an unsettled balance. This person told me that my boss was in the line too.. I could hear his voice and we had a conversation, my fake boss instructed me to take money from our register to pay for the delivery. I ask the other person if the delivery guy could take cash but he said no, I should do a money transfer by MoneyGram instead. This payment needed to be done quickly because we could be charged a fee. 
My fake boss allowed me to go and do the money transfer for {$1000.00}, this money will be received in XXXX in a bank account in XXXX XXXX. 
So I went to a CVS pharmacy and did it. As soon as I finished, I called my boss from my personal phone number and I confirm the transaction but he told me that he never talked to me over the phone and that we were not expecting any delivery. So I realized I was a victim of scam/fraud. Immediately, I call MoneyGram to report the fraud.
Product: Debt collection

I had went online and put my information into a payday search engine and they will not stop contacting me. They call me at my job and on my cell phone.
Product: Vehicle loan or lease

On XX/XX/2019 I receive a call from GM financial that my payment is late. It cant be Im on auto pay. This is the third time I have put my account on auto payment and GM has taken it off without my consent only to charge me a late fee and ruining my reputation. I noticed there are a lot of complaints for the same thing from others. In this short space I can not site each law that has been broken but Ill be happy to list each on in our suit if it becomes necessary. I will not be defrauded by this company any longer
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts are fraud. 

-XXXX  XXXX XXXX XXXX XXXX XXXX {$1200.00} -XXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$650.00}
Product: Student loan

Lincoln Tech has made a poor attempt to work with us on a payment plan with my sons student loan that I was a co signer on. A late payment was reported to the credit agencies even though We never recieved any statement bill showing payment due and money owed. I attempted to call to enroll in a one time forgiveness repayment plan and they were not accommodating at all. I would like an investigation to help restore my once perfect credit back!
Product: Credit card

My ex put me on her Citi credit card as an authorized user when we were together and I never made a payment using the card. When we broke up I told her to remove me from the account and I threw my card away. Now I found out she never had me removed and her debt that she has on the card is hurting my credit score. I keep trying to contact her and have her get me removed but she purposely avoids me. I tried calling the customer support myself too but I can't even talk to a representative without the card number or the primary account owner 's social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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

THE FOLLOWING UNAUTHORIZED PULLS MUST BE REMOVE TODAY OR FACE CLASS ACTION LAWSXUITS.THE XXXX XXXX XXXX XXXX XXXXXX/XX/2020 ALL HARD 10 ON EXPERIAN
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to see incorrect accounts on my credit report, and I can't figure out why. I check it regularly, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing the page, hoping it was a temporary glitch, but the incorrect accounts remained. Because of this issue, I'm asking for a thorough review of the documents I've provided, so I can have peace of mind in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a proof-positive example, with Experian 's OWN WORDS, proving they break the law and rewrite the law to fit their own criminal nefarious actions of harming me. I have submitted the recordings of Experian saying lies, to harm me, but they deny they said it. Here it is, saying what the identity theft report MUST contain for them to obey the law. The FCRA section 605B does NOT say this. In your, The CFPB, in your own packet based on this law, to meet completely what 605B of the FCRA must contain to have any CRAs block according to the law. Experian breaks this law habitually.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CAPITAL ONE AUTO FIN XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX : {$9300.00}
Product: Credit reporting or other personal consumer reports

Yesterday I submitted an FTC report regarding numerous fraudulent inquiries on my credit profile. Today after further review, I discovered more unrecognized accounts on my credit profile. I did not authorize these accounts whatsoever ; These need to be deleted immediately. I am a victim of the XXXX DATA BREACH. 

US DEPT ED XX/XX/XXXX ( {$620.00} ) US DEPT ED XX/XX/XXXX {$1000.00} ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/2021, we received a Citi Welcome package showing the rate at 3.25 %. This rate did not account for an additional 0.125 % discount if we opened a CITI account with {$50000.00} to {$190000.00}. 

On XX/XX/2021 we received the initial loan estimate ( attached ). The rate shown was 3.5 % with a 0.25 % discount XXXX points ) and an additional 0.125 % discount if we opened a CITI account with {$50000.00} to {$190000.00}, such that the rate would be 3.125 % On XX/XX/2021, we received a revised estimate showing the rate as 3.125 % based on opening a CITI account with {$50000.00} to {$190000.00}. 

On XX/XX/2021, Citi sent a revised checklist showing the rate as 3.125 % based on opening a CITI account with at least {$200000.00}. 

In summary, CITI initially said our rate would be 3.125 % if we opened an account with {$50000.00}. After we filed our loan application, while in escrow, CITI then said our rate would be 3.125 % if we opened an account with {$200000.00} or 3.25 % if we opened an account with {$50000.00}. This was a bait an switch. 

We reached out to CITI and they said the term was always 3.125 % if we opened an account with {$200000.00}. The letters they provided from XX/XX/XXXX to XX/XX/XXXX do not provide such evidence. Rather, the letters CITI provided always indicated the rate would be 3.125 % based on opening a CITI account with {$50000.00} to {$190000.00}. 

CITI did not adjust the rate and gave us a rate of 3.25 % rather than 3.125 %
Product: Credit reporting or other personal consumer reports

Your reporting agency is willing-fully reporting inaccurate information, that has resulted in life altering outcomes. After reporting fraud and filing disputes without resolution and sending cease and desist letters I am still life with a report fully loaded with inaccurate information. Attached is an FTC report and my ID the address on my ID was a mailing address only I have attached a billing statement with my correct address.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is noticed the principal notice the principal is notice to agent. 
I just received my reinvestigation back from XXXX XXXX. ld like to receive the description according to 15 USC 1681i ( 7 ). 
Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Remarks : ACCOUNT PAID FROM COLLATERALS ; CLOSED XXXX  # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARDRequested On : XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX OF XXXX via XXXX XXXX OF XXXX ( XXXX XXXX CT, XXXX, IL XXXX Permissible XXXX : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, VA XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IA XXXX, XXXX XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX ) Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IN XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX 15 Usc 1691 15USC 1692 15USC 1681 ( m ) XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ). 
I attached a consumer report as evidence.
Product: Money transfer, virtual currency, or money service

Paypal has notified me that an item that has been on XXXX for over 3 years finally sold. 

Now paypal will not allow access to my account ( which I have not used in over 3 years ) I want my XXXX {$250.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

This is the account I have marked inaccurate : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** Office of Consumer Response XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX **Federal Trade Commission** XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Formal Complaint Regarding Inaccurate Reporting and Lack of Investigation** Dear Sir/Madam, I am writing to formally express my dissatisfaction with TransUnion 's handling of my recent dispute concerning the removal of my XXXX XXXX XXXX XXXX account from my credit report. 

On XX/XX/XXXXXXXX  I discovered that my XXXX XXXX account was removed from my credit report, prompting me to initiate a dispute to clarify the circumstances surrounding this action. I was assured that an investigation would take place to address my concerns. However, as of today, XX/XX/XXXX, I have yet to receive any satisfactory resolution or communication regarding the findings of this investigation. 

It is imperative to highlight that if a credit reporting agency fails to report all relevant information about a consumer 's credit history, it constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This law mandates that CRAs maintain accurate and complete credit reports, including all pertinent details about a consumer 's accounts and financial activity. The lack of transparency and failure to provide a thorough investigation into my dispute is not only frustrating but also undermines my rights as a consumer. 

Due to the removal of my XXXX XXXX account without proper justification or communication, my credit score has suffered significantly. I have been adversely affected in my ability to secure future credit opportunities, and my trust in TransUnion has diminished. 

I urge your offices to investigate this matter and provide guidance on how I can resolve this issue with TransUnion. I expect a prompt response outlining any steps you may take to address this situation and ensure compliance with the FCRA. 

Thank you for your attention to this serious matter. I look forward to your swift response. 

Sincerely,
Product: Credit card or prepaid card

On XX/XX/21, I contacted Chase customer service to inquire about paying off the balance of my card # XXXX ( Southwest card ). The Customer Service Representative ( CSR ) XXXX notified me that the total pay off balance was {$10000.00}. My records reflected the same amount owed to bring my balance to XXXX. A check ( ck # XXXX ) for the entire payoff was mailed to Chase on XX/XX/21, prior to my due. My bank records show the check was paid on XX/XX/21. Shortly after paying the balance, I decided to close the credit card due to being charged an annual fee to have the Southwest Chase credit card, I spoke with XXXX XXXX. After paying the balance in full to XXXX and closing the credit card account I received a correspondent and credit card statement from Chase, that I would need to pay additional fees/interest. As previously stated, I confirmed with the Chase representative the full balance owed before submitting the payment and closing the account. Therefore, the correspondent was not in line with what the customer service representative had previously communicated to me. I paid the account in full based on my communication with Chases representative and my records, including a check. If Chase wanted to dispute the payoff that should have been done prior to my making the full payment and closing the credit card. The representative never communicated that an additional charge, fee or interest would be reflected, therefore any erroneous fees and or interest that Chase is attempting to collect is unwarranted.
Product: Mortgage

In XXXX I called Flagstar to confirm an overdue balance to a XXXX-related hardship so that I could pay the amount oin full and come current on my mortgage. I was given an amount and authorized 2 payments by phone for the exact amount expressed to me by the Flagstar representative to come current. The payment dates were to be just days before XXXX first, XXXX. I have yet to recieve a payment stub for the coming due payment in XXXX and when checking my account online I noticed Flagstar has marked my account as a late payment, saying I owe XXXX 's payment still. 

The issue is On XX/XX/XXXX I was given an amount owed and paid that amount. If I owed more, the agent had given me an apparently lower amount that was due. Flagstar has continuosly violated the Truth in Lending Act through my XXXX hardship, not informing me of rights, failing to communicate steps in the process, making false legal claims, adding and removing me from harship status without my consent, knowledge, or notifcation, informing me I was barred from certain loss-mitigation tools due to my veteran loan status, and now I am being given incorrect amounts to make payments on and being assessed late fees due to their errors. 

In my last complaint concerning these matters, Flagstar failed to address any points of the complaint, insetad choosing to re-iterate half of the story as if that somehow explains why the can not correctly service a loan, discriminate against a XXXX veteran, give false legal advice, and violate federal law. Now they can not even give me a correct amount that I owe on time.