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

In accordance with the Fair Credit Reporting Act, WELLS FARGO BANK CAR Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I noticed several inaccuracies on my account after reviewing a copy of my credit report. This account is hurting my ability to obtain credit. I understand you will investigate these items for me to ensure their accuracy. I request that you examine and verify the following items in the account below as accurate. 

Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

Someone opened a back account under my name with Bank of America and I called the bank and will try to solve my problem
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a concern regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the correction of inaccurate or incomplete information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting inaccurate information to consumer reporting agencies that is causing harm to my credit and a violation of my privacy. I am also not being allowed to use my open end credit card. Pursuant to 15 USC 1681, report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. In addition, Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has caused me financial harm and violating my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

Sunday XXXX XXXX 2018 at XXXX - I get an email stating my order for XXXX $ worth of BCH was canceled by one of my debit cards on file with coinbase Sunday XXXX XXXX 2018 at XXXX - I get another email stating that my order for XXXX $ worth of ETH was filled in the amount of XXXX ETH Sunday XXXX XXXX 2018 at XXXX - I receive yet another email from coinbase stating that You have successfully sent XXXX ETH ( worth {$760.00} USD ) to XXXX using Coinbase. 

Now at this time I was nowhere near a terminal to make these transactions. The person/persons that ordered the ETH on my account sent the entire sum of my ETH including the XXXX ETH I already had in the account off of Coinbase in a matter of 4 minutes leading me to believe it was done through there api
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I the consumer received my Investigation results from TransUnion sent XX/XX/XXXX, file # XXXX. The results stating that there's been XXXX deletions, XXXX XXXX XXXX, US DEP OF EDUCATIONXXXX, and US DEP OF EDUCATIONXXXX  Deletion is admission and TransUnion admitted to Injuring me the consumer. I the consumer Is Demanding monetary relief for the following violations : ( XXXX ), 15 usc 1681 ( a ) XXXX ( b ) -Accuracy and fairness of credit reporting ( XXXX ), 15 usc 1681a ( XXXX ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living was impacted. ( XXXX ), 15 usc 1681b ( a ) ( XXXX ) ( XXXX ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. ( XXXX ), 15 usc 1681c ( a ) -Requirements relating to information contained in consumer reports. ( XXXX ), 15 usc 1681n ( b ) - Civil liability for willful noncompliance. Each Violation under the FCRA is {$1000.00} each violation, that's {$5000.00} for all XXXX violations that I'm demanding for the Injury I sustained due to the XXXX accounts furnished on my report without prior consent of the consumer.
Product: Credit reporting or other personal consumer reports

I have an item from XXXX XXXX XXXX for a second auto loan in the amount of {$20000.00} that is not mine. When I call or write to verify they never send me anything. I had XXXX auto loan with them that was paid off. The phone number, address etc they have does not belong to me and never has. I have sent in police reports over years to show them there was someone with similar name that items were being placed on my report. XXXX XXXX XXXX never responded. 

The second item is from XXXX same issue this is from XXXX they are reporting a charged off account with a past due balance of {$1500.00}, when I call them they say the amount is {$4000.00} and I have never had an account with them. The phone number, address, etc is not mine. 

I sent the police report and fraud notification to them as well. They never respond, just over phone say I have to pay the amount. My most recent communication with XXXX was today XX/XX/XXXX
Product: Debt collection

This erroneous and incorrect debt on behalf of Galaxy International Purchasing , LLC was transferred to another collection company trying to collect on a debt not owed. 

XXXX XXXX XXXX XXXX XXXX is attempting to collect an erroneous and incorrect debt on behalf of Galaxy International Purchasing , LLC with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as the original creditor for the account ending in XXXX and or Galaxy International Purchasing , LLC with account number ending in XXXX for the balance amount owed of {$1600.00} asserted as of XX/XX/2021, or any previously updated balances. 

As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. The credit reports show as of XX/XX/2021 a balance of {$0.00} is owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Any such attempt to collect on a balance by XXXX XXXX XXXX XXXX XXXX with Galaxy International Purchasing , LLC as the creditor is false, inaccurate, erroneous, and incorrect. There is no balance owed to Galaxy International Purchasing , LLC for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as the original creditor. XXXX XXXX XXXX XXXX XXXX 's actions are unlawful to collect on a default not owed with a XXXX balance. 

They continue to transfer debt collections that are unlawful and not owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reportedly submitted a voluntary repossession to all three credit bureaus XXXX, Experian, and XXXX without obtaining my written consent to share this information. On XX/XX/2020. This situation has caused significant hardships for my children and me, resulting in homelessness for the last 1 and a half years. As per my understanding of 1681b, the permissible purpose of consumer reports dictates that a company can only provide such information if subpoenaed by a federal judge, which was not the case here, and if they possess written consent from the consumer, in this instance, myself which they do not. 

Due to these circumstances, I urgently request the removal of this entry from my credit report. The presence of this item has not only hindered my housing prospects but also affected my ability to secure employment, thereby jeopardizing my ability to provide for my family. 

Moreover, I have noticed discrepancies in my credit history across the three bureaus. While XXXX lists one late payment, XXXX indicates two, and Experian reports twenty-four late payments. Given that this data originates from the same source, the disparities are perplexing. I believe this misleading information should be expunged. I have attached a screenshot illustrating these inconsistencies. 

Furthermore, I've noticed that the account is marked as " closed/charged off. '' However, I'm perplexed by the consistent addition of late payment entries each month. My understanding was that a " charged off '' status implies that the creditor has written off the debt as unlikely to be collected. Given that the account is closed, I expected the total amount to remain constant. Could someone clarify why the total amount continues to change on a monthly basis? 

I kindly request your prompt attention to this matter and appreciate your immediate response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a alert on my XXXX Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to 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 account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:31 was unfair and deceptive, as they did nor '' ) 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: Debt collection

This account was charged off on the following date XXXXXXXX XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
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 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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 repo
rt 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

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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax credit report and noticed some items that should not be on there. I disputed the inaccurate information and everything came back verified. So I then contacted all the data furnishers and they provided me a letter regarding the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a credit score of XXXX. In XXXX I paid off my car loan in full ; however, to my surprise Experian dropped my score XXXX POINTS. I called Experian to discuss this matter with a customer service representative. Needless to say, the representative was unable to assist me with answers and the phone conversation was unsurprisingly disconnected, with no callback.. I have worked very hard on raising my credit score by paying all my debts on time and to have it decreased by XXXXPOINTS is mind blowing.. I am sure this happens to many other consumers with no legal explanation, which should be investigated. Please help consumers and investigate these tactics by big credit companies its not fair and makes no sense.. I see why its so hard for certain consumers to live the American Dream
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I made a transfer from my XXXX  wallet to Coinbase account for XXXX XXXX  which was valued at XXXX XXXX  which is XXXX XXXX. The transfer went into the Coinbase main account and not my personal Coinbase account. I contacted Coinbase customer service to resolve the issue with my transfer. Coinbase customer service is the worst. I opened multiple tickets ; XXXX on XX/XX/2022 via chat, yet there was no resolve. I made countless phone calls and opened the following tickets to try and resolve the issue, tickets ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Coinbase kept my XXXX XXXX for almost 2 months. On XX/XX/2022, Coinbase transfered the incorrect value into my account. Coinbase transfered {$12.00} worth of XXXX  value at XXXX per XXXX. I have contacted customer service about this issue with proof and they are ignoring the issue. I was not given the correct value. I did not make the transfer on XX/XX/2022, I made the transfer on XX/XX/2022. Coinbase kept my XXXX XXXX for almost 2 months. Then i'm given the lowest value of XXXX? This is unethical and unacceptable.I gave Coinbase plenty of time yet the transfer amount does not reflect the accurate value when the original transfer was made on XX/XX/2022. I want the correct value of XXXX per XXXX which is {$23.00} that was made on XX/XX/2022. 

The value at the time of the transfer was {$23.00} at the time, this is what I expect. The cash value of the transfer was {$23.00} on XX/XX/2022. I'm looking for the value of the transfer on XX/XX/2022, which was XXXX per XXXX at the time. 

The hash of the original transfer is proved below. The transfer was done on XX/XX/2022. 


https : XXXX Other transfers where made on the same day and time. The value at that time is XXXX per XXXX. Coinbase owes me {$11.00} worth of XXXX. 

I opened multiple tickets with no resolve. This is the worst customer service experience. I submitted all the proof that this transfer happened on XX/XX/2022 and the correct amount is {$23.00} in XXXX. 

I want the correct value at the time of the transfer which was XXXX XXXX which equals to {$23.00} at the time. The transfer was done on XX/XX/2022 and the XXXX value was XXXX which had a total value of {$23.00}. I want the remaining balance of {$11.00} worth of XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

Ford credit corporation keep on calling me at work for some late payments but they have the wrong person, same name as me but different last name also never have a ford credit or driving a ford car, it was a former employee. Keep telling customer service to remove my name on the list since XXXX of XXXX but they still calling me and I felt like it was an harassment but up to this date XXXX/XXXX/XXXX, they continue calling me. I wanted to file a complaint to Ford credit corporation.
Product: Debt collection

Dear Sir or Madam please see attached letter. 

I was a victim of identity theft and there is a company that purchased a debt from a furnisher from 4 months ago that was deleted as a result of my being a victim of identity theft. XXXX took the time to review my account and noted that they deleted and blocked this account because of my documents on file that shows the original furnisher was in fact a part of my identity theft. I am now contacting you with hopes that you will do the same rightfully since this was erased. Attached again is me Federal Trade Commission Affidavit and XXXX Police Report of what should be on file from my original case. I believe this account is in dispute currently but should be immediacy deleted according to the FCRA and Federal Trade Commission per affidavit per FCRA 605b Thanks for your help and attention to this matter.
Product: Mortgage

I don't remember exact dates at the moment. But if you investigate at all you will see they are constantly making things difficult for most mortgages and scamming people
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company.XX/XX/XXXX has single handily kept me from getting into a new home! Please help
Product: Credit reporting or other personal consumer reports

On my credit report there is a collections account listed under the heading conserve collection agency. Based on the account information listed it states that I owed the XXXX XXXX XXXX XXXX {$2200.00}. Now I am never attended the XXXX XXXX XXXX XXXX or took any classes there. So, there is no way that I can owe XXXX any money. I disputed this information with the credit bureaus and asked them to provide to me there methods of verification to which they have refused to do so. This request was made more than a month ago through the CFPB portal and to this date they have failed to do so which is a violations of my rights under the Fair Credit Reporting Act as the law clearly states that the credit bureau should provide me with such information within 15 days of my request. If the credit fails to provide the information requested then such information should be deleted from my credit report. 
They have failed to provide me with there method of verification as it pertains to the account called Conserve been reported on my credit report. Due to the violation I can seek damages in a court of law for violating the fair credit report act. I recently filed a fraud affidavit with the Federal Trade Corporation so that this matter can be resolved.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX XXXXXXXX XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX, is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX  is not mine ; I am not responsible of this account, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

XX/XX/2021 I filed a complaint against PNC over what I clearly see as deceptive marketing practices related to their Overdraft Solutions. Solutions that do not come close to what they claim. Solutions designed to create a false sense of security, solutions that do nothing more than create fee income for the bank. 

Moreover, every person you talk to gives a different answer to a question. Since the day I walked in the door, no matter what info I am looking for, what process or procedure I am looking for instruction on, I am told the last information I was given was wrong. 

Im fed up. Done. What Will it take for government oversight into what PNC gets away with? What? 

Complaint no. XXXX filed XX/XX/2021 will provide any and all facts relating to this now, 2nd complaint. Nothings changed! In fact, things have only deteriorated. Now, my complaint isnt stopping here or at the XXXX. Im proceeding on filing with the FTC, Wisconsin Dept of Financial Institutions, The Federal Reserve Board, The Office of the Comptroller of the Currency and any other agency I come across that may hold any amount of oversight here. They make up the rules as they see fit, as they go along! A practice that makes it easy for them to enjoy economic gain. I am not paying their latest ransom for deceptive marketing/practices and will be closing this account. But not until every oversight agency is notified,
Product: Credit card or prepaid card

On or about XX/XX/2020 I was receiving much needed benefits for the entirety of XXXX full months till the other shoe dropped and my benefits stopped because of the negligence of Bank of America and there inability to communicate during a fraud pandemic. Understandably they where busy from making the grave mistake of allowing full access to anyone who get their hands on the card for XXXX  XXXX. I had made several full fraud complaints to the bank and XXXX to XXXX but they continued to let the man steal my benefits till I gave up trying. Its been almost XXXX years now and my life and my children 's life drastically suffered.