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

on the XX/XX/XXXX, XXXX was paid out of my account to the account to Coinbase exchange. 
These international payments can take up to 3 days but it has now been 9 for me so I can only assume it has been lost. 
Previously Coinbase had a section by which a complaint could be lodged, now unfortunately clicking on any link/page of this nature reroutes you to the starting page or their automated bot only. 

The payment made to coinbase : the euro equivalent of XXXX GBP on XX/XX/XXXX Reference Number XXXX Recipient 's IBAN XXXX Recipient Name Coinbase XXXX, XXXX. 
Bank Country XXXX Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX, XXXX XXXX, XXXX Recipient Address XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX Paid from my account : XXXX XXXX XXXX XXXX XXXX SORT CODE : XXXX ACCOUNT NUMBER : XXXX IBAN : XXXX BIC : XXXX
Product: Credit card

COMPLAINT REGARDING BILL GENERATION AND DECEPTIVE/UNCLEAR NOTICE Towards the beginning of XX/XX/year>, I applied for a TD Bank credit card with a balance transfer offer. It stated that it would take 14 business days to process. I was in the process of checking my new TD Bank credit card account online and was surprised to see that a credit card statement had already been generated after a whole statement cycle hadn't matriculated. Even though I received a bill, the balance transfers had yet to post to my account. 

I called and spoke with a supervisor to express my concerns that : A. My credit card statement was already generated so quickly. 
B. Neither one of the two balance transfers had yet to post to my other accounts after 14 business days. 

When I inquired into why the balance transfers had yet to post, she advised me that because it was a new account there was a 10 day hold placed on the transfers on top of the 14 day processing of the balance transfers. I stated that this was unacceptable as I did not read anywhere in the terms and conditions that there would be an initial 10 day hold before the 14 day processing of the balance transfers. I advised the supervisor that this was deceptive and not stated clearly to which she agreed. Had I known about a 10 day hold, I would have never applied for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was viewing my consumer report # XXXX and viewed a few violations : 15 U.S.Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b As a consumer my rights to privacy, consumer invasion to privacy where violated. In addition no written consent by myself the consumer was given, Please delete the following items 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 Please delete these items pursuant to the above mentioned laws and send me a printed updated consumer report to the address on file
Product: Money transfers

I accidentally had PayPal draw funds from the wrong source to pay for XXXX separate transactions. When I realized the mistake, I promptly called PayPal to change the funding source and ensure PayPal would receive the funds they fronted to pay the sellers. I was informed that it was impossible to change the funding source and that they would be trying to receive funds from an overdrawn account in three days no matter what. It is unacceptable that PayPal will not allow me to prevent further overdraft of my checking account and ensure their swift repayment from an alternate source.
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 XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

CFPB Dispute Against Credit Bureaus XXXX XXXX, XXXX, TransUnion ) for Reporting Unverifiable Debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondents : XXXX XXXX TransUnion Subject : Formal Complaint Against Credit Bureaus for Failure to Remove Unverifiable Debt Reported by XXXX XXXX XXXX, XXXX XXXX of the Dispute I am filing this complaint against XXXX, XXXX, and TransUnion for failing to follow their legal obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by continuing to report an unverified collection account from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ). 

Despite multiple disputes and complaints against XXXX XXXX, the credit bureaus have continued to verify the accuracy of an account that XXXX XXXX has failed to properly validate. 

This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable reinvestigation and delete information that can not be verified.

Violations by the Credit Bureaus 1. Failure to Properly Reinvestigate & Remove an Unverified Debt ( FCRA 1681i ( a ) ) XXXX XXXX XXXX failed to provide a signed agreement, proof of ownership, or chain of title for the alleged debt. 
Despite this, XXXX, XXXX, and TransUnion have continued to verify the account without any basis, which violates their legal duty to ensure that only verifiable and accurate information is reported. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverified debt must be permanently deleted.

2. Reporting Inaccurate and Misleading Information ( FCRA 1681e ( b ) ) Credit bureaus have a duty to ensure maximum possible accuracy in consumer reports.

Continuing to report a disputed and unvalidated debt misleads creditors and lenders and causes undue harm to my credit profile.

This is a willful violation under FCRA 1681n, exposing the credit bureaus to legal liability. 

3. Violation of Consumer Rights Under FCRA & CFPB Regulations The CFPBs guidelines require credit bureaus to remove unverifiable accounts after a reasonable dispute investigation. 
The failure to act suggests that the credit bureaus are rubber-stamping verification requests from XXXX XXXX without actually investigating their legitimacy. 

Attachments ( Supporting Evidence ) XXXX. Debt validation request sent to XXXX XXXX XXXX ( XXXX failed to validate ). 
XXXX. XXXX  response to CFPB complaint ( showing lack of verification ). 
XXXX. XXXX, XXXX, and TransUnion credit reports showing XXXX, XXXX still being reported. 
XXXX. Illinois Attorney General complaint & IDFPR complaint filings showing XXXX  questionable debt collection practices. 

Complainant Signature : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

To Whom it may concern, On XX/XX/XXXX, after submitting 2 years worth of documentation, we were delighted to receive a letter from Nationstar mortgage that my wife and I were approved for a trial modification. The letter stated that if we made 3 consecutive payments we on time, we would qualify for a permanent modification. We signed the agreement the following day and sent a check for the agreed upon payment. We made certain for the subsequent 2 months, we made the next two payments on time as agreed. I even wrote on all 3 checks that by depositing the checks, they are agreeing to the terms of the modification as well, just to be safe. 

We had not heard anything from Nationstar Mortgage or received documentation for the permanent modification. On XX/XX/XXXX after we complied with everything Nationstar requested including making 3 consecutive payments on time, they sent us a letter that said the funds were applied incorrectly. We tried calling several times to find out what this letter meant and they would not give us any information as to why they were not honoring their agreement that they had given me in writing. 

Shortly after, they sent me a check totaling 2 of the payments I sent. I called and asked why they only sent two payments back and kept one and they would not give me an answer. 

I then proceed to call XXXX XXXX of the firm XXXX XXXX, that was representing Nationstar and he was nasty and told me I never got a modification, even though I told them I received a letter from Nationstar. He told me to just rip it up because its invalid. 

I have been lied to, deceived, and mistreated. I have a document in writing that i complied with and Nationstar didnt honor. I want to put in a formal complaint with Nationstar Mortgage as well as XXXX XXXX. 

Thank you XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the first progress report account that's reporting on my credit report account number XXXX XXX has a lot of inaccuracies that should be deleted off my credit report ... reporting of someones credit report that's not accurate it's illegal ... in XXXX it says they open XX/XX/2020 while in Experian it says XX/XX/2020 which makes this report invalid please delete immediately..
Product: Mortgage

I had a 2nd mortgage loan with CITI Mortgage ( acct : XXXX ). 
The account was PAID/CLOSED in XX/XX/XXXX and is so reflected in credit reports in XX/XX/XXXX, and XX/XX/XXXX. 
The lien was never released with the County. 
On XX/XX/XXXX, I requested for a release with the Citi Mortgage Lien release department, e-mail : XXXX ( this is the only way to contact them ) On XX/XX/XXXX I was requested by the Lien Release dept. to contact Citi Centralized Recovery Department at XXXX. This Department reassured me that the loan was PAID OFF AND CLOSED in XX/XX/XXXX. 
The account number for the account is : XXXX. 
Property address : XXXX XXXX XXXX, XXXX XXXX TX XXXX CITI Mortgage Centralized Recovery Dept. XXXX address : City Mortgage Inc.,  XXXX XXXX XXXX, XXXX, Missouri, XXXX fax no : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am an XXXX American woman. I have worked in financing and credit for 20 years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the 500s and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXX woman. This is so unfair and I am ready to sue and advocate for change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX Balance XXXX {$12000.00} ; XXXX XXXX XXXX Balance XXXX {$4800.00} ; XXXX XXXX XXXX Balance XXXX {$7100.00} ; XXXX XXXX XXXX Balance XXXX {$3600.00} ; XXXX XXXX XXXX Balance XXXX {$7000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and, to my surprise, XXXX, Equifax and XXXX are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX XXXX  that my information is on the XXXX XXXX. Strange addresses popping up under my name.
Product: Checking or savings account

On Friday, XX/XX/XXXX I contacted my bank regarding a freeze on my checking and savings account. I spoke to a Specialist regarding this issue and he discussed that they had to have an investigation, meanwhile, my account was not part of any fraudulent activity - I was just a joint account holder during this process. I asked the Specialist if my funds would still be deposited into my account ( i receive direct deposits from my job ) he specifically told me that my account being froze would not stop a direct deposit from being deposited. But, this date was my direct deposit day, hours later, still no deposit. I decided to call the bank again and speak to another Specialist. The specialist discussed that she had to speak to the authorized account holder ( my mother ) so i told her to hold on while i get my mother who was with me at the time. Then the phone hangs up. The specialist hung up in my face. Now I have to worry about paying bills because my bank has not contacted me or my mother regarding this issue and my primary funds are being held in my checking AND savings account. I have to pay bills and receive a direct deposit, but no one has helped me at all through this process.
Product: Prepaid card

I received a physical Amex Gift Card for the value of {$50.00}. I attempt to purchase merchandise on XXXX and the transaction is declined. I then tried again with various other amounts less than the full face value.
Product: Vehicle loan or lease

Brought a used truck {$35000.00} and then was paying on it it was more then 50 % paid off then repossessed and sold it and still charging me for it. Now its on my credit for delinquent payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, {$0.00}, LEXISNEXIS has obtain my public information and sold it to XXXX, XXXX and XXXX. XXXX, XXXX, and XXXX state on there website that they obtain from local, state, and federal courts THROUGH a third party VENDER, LEXISNEXIS. Without my permission, LEXISNEXIS purchased my information from XXXX and sold my information to XXXX, XXXX and XXXX. The United State Bankruptcy Court, XXXX XXXX of North Carolina Deputy Clerk mailed me a letter. I have attached the letter to prove that LEXISNEXIS did not get MY background information from the federal court of North Carolina. The deputy clerk states in the letter that access to bankruptcy files are made through the XXXX system. I research XXXX and went on the website. In order to get my public records I had to pay a fee. Which means LEXISNEXIS had to purchase the information about me and sold it to all three credit companies. THIS IS A VIOLATION of the Fair Credit Reporting Act. Laws 15 U.S code 1681, 15 U.S code 1681b, XXXX, XXXX, and XXXX clearly violated this laws, 15 U.S code 1681m. I was never notified Orally, in writting or by electronic NOTICE of the adverse action to my consumer credit reports. Another laws they have violated is 15 U.S code 1681c-2, 15 U.S code 1681b. I have disputed this twice with each agency and it came back verified! This is another violation 15 U.S code 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint to Regional Acceptance. XX/XX/2018 I received debt validation information I had requested through the collection agency that was taking over the charged off account. I then made a report on XXXX towards Regional Acceptance stating they violated my rights. In the state of Georgia " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' By not providing me with a deficiency letter or a notice of plan to sell they violated this right. They sent me the same information they said they sent via certified mail. When I looked at the documents the address they sent it to was/is not my place of residency. On the retail installment sale contract, my address is inaccurate. The address listed for me is the primary applicants address. A relative who carry 's the same name as I do. When I looked on their XXXX portal under contact information, it has the same copied address and phone contact is replaced with a series of various numbers. When I called their charge-off department and asked what address read on the copy of the ID they had for the original application, it was not that of the one being reported by Regional Acceptance. I have a rental lease agreement with the same date/time frame of that when the letters were sent out from Regional Acceptance proving my residence was not at the address they have listed. A notice of deficiency and information regarding the vehicle sale was mailed only to the primary applicant and not me, the co applicant. Regardless of the status of the vehicle, they did not provide me with all the documents I have the right to. This has caused my credit score to take a hit for years now because a charge off is being reported to my account for an error on either the dealership or XXXX end, I didn't get the right to amend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. Thank you
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   FL XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX  Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identityA copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
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. 

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 and list of Inquiries. 


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: Debt collection

This weekend a company I have never heard of nor done business with, placed a {$3300.00} collection account on my credit report, for which I am confident I do not owe since Ive never heard of this company. Ive never received a letter from this company, which is a requirement under the FDCPA, so that I could properly dispute it along with the fact that Ive never received any phone calls from this company ... this leads me to believe that this alleged debt is falsely reported to my credit report, which could potentially have a negative impact on me. I would like this removed ASAP.