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

For around {$200.00}, XXXX was bought in my Coinbase account. It was sent to a scammer who used anonymous software, so I can't pursue civil legal recourses to sue them in small claims court. My bank has an investigation open, but Coinbase emailed me that unless I deposit the {$200.00} to them that they won't let me buy or sell or transfer any of my assets with Coinbase. I have what used to be worth {$400.00} of XXXX in my account which I can't transfer or so anything with.
Product: Debt collection

Sent correspondence to XXXX XXXX XXXX XXXX asking to validate the following account : XXXX XXXX XXXX was the original creditor. XXXX XXXX XXXXXXXX is the debt buyer. The actual collector for XXXX XXXX is Resurgent XXXX of which I never received notification asking to resolve the debt, notification came only from XXXX XXXX XXXX XXXX ( dated recently as XX/XX/23 ). 

They simply listed the amount owed as {$680.00}. The previous balance of {$620.00} ( the amount that should have been itemized had " Fees charged '' and " Interest charged '' added to it to reach total of {$680.00}. I am requesting full itemization that leads to the previous balance of {$620.00}. This would include items such as credit card charges, payments, or credits for example. 

I also feel that this account should be removed from any credit reporting until or unless full validation is given.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Bank XXXX XXXX informed me by mail that someone is trying to open an account in my name for a XXXX XXXX XXXX XXXX XXXX. I never submitted a request for this card. We have had at least XXXX phone conversations regarding this matter and They informed me they were investigating the application and I would be hearing from XXXX XXXX to resolve the issue... .still have not heard from XXXX XXXX XXXX I in turn contacted Experian to put a fraud alert on the XXXX XXXX  XXXX XXXX, I received an alert the fraud alert would not be honored because the XXXX said the information was correct. No explanation how to dispute this finding. Are there any other ways I might be able to solve the XXXX XXXX XXXXXXXX or the Experian issues????
Product: Credit reporting or other personal consumer reports

My loan was Forgiven effective XX/XX/XXXX, I received the confirmation letter on XX/XX/XXXX. The letter states that the credit bureaus would be notified by the end of the month and my status updated. I followed up with Mohela in XXXX because I did not see a change on my credit report the next month and was told on the first initial to send the credit bureaus the letter I received and to dispute the item, but that they had reported on the XXXX of that month and I should see the change in XXXX, I did this and the credit report investigated and said that Mohela had confirmed that the account was still open and owed and did not remove it from my credit report. I contacted Mohela again and was subsequently told it takes sixty days from the time the loan was forgiven to be removed from the credit report and that it should be reported at the end of XXXX and I should see an update to my credit score in early XXXX, when XXXX came and there was still no update to my credit report I contacted Mohela again and was subsequently told that it takes 90 days from the date of the letter for them to update my credit report and that since my letter was dated XX/XX/XXXX that XX/XX/XXXX would constitute 90 days and that after that If I had not seen a change to my credit report by the beginning of XXXX I could contact model and that is when they would have to take action. When XXXX rolled around and there was still no change in My credit report, I contacted Mohela again and this time was told that all the prior information I had received again was incorrect and that it takes 90 business days for them to report the status to the credit bureaus. I have been given incorrect and false information every step of the way and it seems they keep changing the timeframe based on rules that I am not made privy to. However what I do know is that before my loan was forgiven it was reported accurately every month on the last day of the month like clockwork, yet for whatever reason now they are unable to report it for 4 months going on five and according to their new calculation 6 months, which seems unnecessarily long to manufacture an update that has been confirmed with several letters and clear statement showing I have a XXXX balance. I am complaining about the lack of valid information I have received, the inability of the servicer to practice due diligence and the long timeframe that basically is negating everything having a loan paid off should do, because if they are not updating it with the credit bureaus it still looks like I am carrying that debt.
Product: Credit reporting or other personal consumer reports

I am writing to get help updating my personal information with XXXX, XXXX, and Equifax I have been trying for XXXX to get my address, birth date, and correct spelling of my name my only employer with XXXX, XXXX, and Equifax and they will not update my XXXX  information I have mailed in proof of my Residence and my XXXX  XXXX  XXXX  bills, XXXX 's and still no change I started disputing in XXXX.
Product: Credit reporting

I filed bankruptcy in 2009. My bank that held my mortgage at the time was not included in the bankruptcy. I did not the bank to be included. The bank claims that ... due to the fact they did not receive from my attorney a " letter of reaffirmation '' ( that my attorney claims is not mandatory in New York State to protect the consumer ) so they refuse to submit my payments to the credit bureau. I continued every month to pay on time the amount of my mortgage for 5+ years to re-establish my credit. Recently I requested my credit report to find that the bank never reported my payments! I had worked so hard to make these payments. They said they refuse to report the payments to the credit bureau due to the fact they never received this letter of reaffirmation. I was shocked! I now on my credit report have no record of all those years payments and they refuse to submit them to the credit bueau even though they accepted all those payments for 5 years and sent me a " thank you '' letter for servicing my loan when it was sold. 
It was suggested that I sent a record of payments to the credit bureau to prove the payments were not only made but that were in excellent standing. I did that and the credit bureau refuses to put these payments on my report! The records I sent them came directly from the accounting dept of the bank that claims I did not pay them! I also sent the " thank you '' letter from the bank for servicing my loan and a letter from my attorney proving the bank was not included in bankruptcy to the credit bureau and they still refuse to add my payments to my credit report claiming the information means nothing ... only what the bank said matters!! I sent them proof I made the payments! I am at a loss of what to do at this point ... ..They have ruined my credit! My report is ruined and my score is very poor due to this act by the bank and credit bureaus. Any information I can get would be so appreciated for I have to fix this. I am a senior on fixed income and without some credit it is hard to survive ... ..thank you for any help you can provide in this matter ....
Product: Credit reporting or other personal consumer reports

On my account for Westlake Portfolio its documented as a written charge off which means the company wrote off as profit loss on taxes. I was supposed to receive a 1099 C to report as income but I never received this. The fact the car was written off and Im still being made to pay or getting phone calls about paying is wrong and inaccurate on my report. I would like for a 1099 C to be sent to me and that negative inaccurate information removed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX with a balance of {$20000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c -2 a 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 after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS
Product: Debt collection

On or about XXXX XXXX, 2016, XXXX XXXX of Premium Asset Services , LLC called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " JAG '' and have my wages garnished if I did n't pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My house closed on XX/XX/XXXX. Funds were dispersed on XX/XX/XXXX and received on XX/XX/XXXX. XXXX XXXX Mortgage and all the liens have been updated on my credit report. XXXX XXXX XXXX account amount has never been updated. I get a different answer every time I call XXXX XXXX. XXXX person said they updated last Friday of the month. Another said it was the XXXX of every month. I called Experian. I filed a dispute. They said it would take 30 days. I called again. I keep getting XXXX with XXXX XXXX at Experian. First he told me it was too early to know and it hadn't even been investigated yet. I got an email the next day that said it had been resolved and they said that they contacted XXXX XXXX and were told the account was still open and due. I called XXXX XXXX again and they said that they had reported it as closed and paid. I told XXXX at Experian I had all the lien release documents to prove it had been paid. He told he I could upload it at Experian so I took pictures of the documents and tried to upload them but it kept timing me out and then told me it had to be in a pdf format. Someone is lying. XXXX XXXX XXXX is lying or Experian is lying. Why would he tell me XXXX thing on day and another thing another day. Something is very wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC is in violation of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax Information Services , LLC. 
1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 
2. Equifax Information Services, LLC chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 
3. Equifax Information Services, LLC has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. 

These are just stall tactics. I am being continuously damaged by Equifax Information Services , LLC and their violations of the Fair Credit Reporting Act. 

They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block, INC. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair & 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 & financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Have been trying to accces the funds in my checking account since XX/XX/year>. In unable to access any funds and keep being told by the fraud department that its been expedited to the back end office and will be fixed with 24 hours. Its been almost 3 month. I NEED that money released now as I have XXXX XXXX and need to order food. I recieved no documentation or anything stating there was even fraudulent activity on my account. There gladly taking the deposits but I cant take them out. Ive spoken with supervisors XXXX XXXX and they keep telling me there expediting it and it will be resolved in XXXX hours. 2 reps said XXXX. Its been way past that. It is illegal to hold someones money without cause.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
XXXX XXXX {$24000.00} XXXX XXXX Bank {$760.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$380.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX  {$0.00} XXXX XXXX {$9200.00} All the accounts that's listed are not my accounts.
Product: Bank account or service

Good day and thank you for resolving my last issue with Wells Fargo Bank. Yesterday I went at the Wells Fargo Bank with a copy of my letter of verification for dated XXXX XXXX 2015 for an updated letter for the last six months which ended in XXXX, 2015 and was very unsuccessful. I call the toll free number and spoke to a representative and her supervisor XXXX XXXX and was unsuccessful. I need this verification letter for a XXXX waiver program to be submitted by XXXX/XXXX/2015. Please assist ASAP.
Product: Student loan

The school closed in XXXX, TX. XXXX College For a few years my loans were with XXXX. I had some hardships, the payments were outrageous and they would not help me at all. I lost my job and they were still telling me to pay and said this is as low as we can go. It made it harder than it should have been. They had my information form XXXX College but they closed. I asked how I can get that loan dismissed because it closed and I didnt even complete my degree yet. They told me they would be deferred for a year but I received a statement saying I need to pay {$310.00} by XX/XX/XXXX. I am still unemployed. I owe {$30000.00} and Im just trying to get help.
Product: Credit card or prepaid card

CARD WAS OPEN FRAUDULENTLY. I DID NOT OPEN THIS CARD. I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED SEVERAL TIMES WITH THIS COMPANY AND NOTHING HAS MOVED FORWARD. PLEASE REMOVED THIS FRAUDULENT ACCOUNT OFF ALL CREDIT REPORTS.
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX reported wrong information to Equifax credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to Equifax and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found an item on my credit report with all 3 bureaus ( XXXX, Experian, and XXXX ). With XXXX, the fraudulent account appears as " Indiana XXXX XXXX '' with date open of XXXX and account balance {$19000.00}, account # XXXX. With Experian, similar information is listed with the addition of an address and phone number : XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX This address is for Indiana University XXXX XXXX, but the phone number takes me to what I believe to be fraudulent individuals attempting to get me to make payments for a loan I did not originate. I have also been getting letters and voicemails from individuals claiming to be associated with Indiana University that I have not responded to due to the appearance of fraud. The most recent of these voicemails was left on my cell phone on XXXX XXXX, 2017 at XXXX from phone # XXXX. The voicemail reads, " Hi I 'm trying to reach XXXX XXXX, this is XXXX with Indiana University, please give me a call at XXXX, option 6, thank you. ''
Product: Checking or savings account

On Thursday, XX/XX/XXXX. I received an email from Capital One stating that on XX/XX/XXXX that theyre experience issues with customer is not able to get their paychecks their deposits transferring paying ACH fees, bill XXXX pay etc.. My thing is had they told her customers right away. I couldve made arrangements to have my paycheck into another bank, so I wouldnt have to be dealing with Miss payments. A thing on my credit score for not having on time payments on my record. and not only did I call capital one New more his times and put it in my for information. And as soon as I put in my information, about five times. I was hung up on all five times. No clarity was given no information was given, no solutions were given. Im out of money. I cant pay my bills. I dont know what to do.