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

between XXXX XX/XX/24 and XXXX XX/XX/24 my coinbase crypto account was hacket and {$120.00} US were stolen in different coins, they were transfered from my account in coinbase to diffrent crypto wallets by the hackers. 
when I realized what happended I was able to log on to the account via the fascial recognition on the phone and saw that {$120.00} were stolen in coins and {$8.00} were still in the account by the time I was able to locked and start the process with coinbase support help desk. 
case number was created by coinbase and later on XX/XX/24 coinbase sent me an email with the IP address of the perpetrator and the wallet transations that took place over that weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information that is on my credit reports. I started disputing information on XX/XX/2019. Since then I have also sent letters on XX/XX/2019 and XX/XX/2019. I have not received responses from the bureaus throughout the process other than XXXX  and Experian stating they will no longer investigate items on my report. They are clearly receiving my disputes, but not responding. I have included the letters I've sent to the bureaus as proof.
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 delete or remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the letters sent last XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX  Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Since XXXXXXXX XXXX XXXX  I have been unable to obtain credit from any entity using Equifax to check my credit. The response they receive is that there is a block on my Equifax report yet Equifax claims that there is none. 
I can't even get it from my Equifax online account. When logged in it says it can not provide my report since XX/XX/scrub>XXXX XXXX 

Whenever I call the Equifax customer service line, I speak to people who have no idea what the issue is and don't have a way to resolve it. Their only recourse is the same response. " We will escalate it to our tech team '' Then they ask me to MAIL a copy of my driver 's license, social security card, and bank statement to verify my identity. 

After a few weeks I get a template letter saying thank you for contacting Equifax and they ask for the exact information they already received. 
I have done this multiple times in the last 6 months by sending my information to : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX They need a HUMAN BEING to correct this problem and not a computer. 
Equifax is causing me to be denied my right to obtain credit through this issue.
Product: Money transfer, virtual currency, or money service

Today I'm filing a complaint about Cash app ( Block Inc ) due to the fact they are neglecting customers, not have inadequate costumer server. Which does infact violate the ( CFPA ) consumer financial protection act. Cash app has failed to protect my account leaving me with financial struggles. They have failed to help protect and keep my account safe, They won't get back to me in timely manner or protect from Fraud. Their dispute process is and was unfair and deceitful. They didn't comply with error resolution requirements while under the Electric fund transaction act. I seek redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inquiries that i did not authorize on my credit report. Upon reviewing my credit report i noticed several inquiries which i did not authorize. the following are : XXXX XXXX  DATED : XX/XX/year> XXXX XXXX  DATED : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Cedar Business Services has reported a collection account from another country ( XXXX XXXX XXXX ) to my US credit file.
Product: Checking or savings account

Someone opened a checking account at citizens bank in my name today XX/XX/22. I called and talked to their fraud department and they closed the account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurately reported late payment on my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The furnisher, [ XXXX XXXX XXXX ], has reported a late payment on my account [ XXXX ] dated [ XX/XX/year>, XX/XX/year>, and XX/XX/year> ) despite this information being inaccurate and not meeting the legal requirements for inclusion in my consumer report. 

Under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report is only permitted to contain information that directly reflects the transactions and experiences between the consumer and the furnisher. The late payment reported does not meet this standard, making its inclusion on my credit file improper. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers have a legal obligation to ensure they report only accurate and verifiable information to the credit bureaus, yet this inaccurate late payment remains on my record despite my previous disputes. 

I have already contacted [ Creditors Name ] and disputed this entry, but they have failed to correct the error or provide valid documentation to support the reporting. This has caused unnecessary harm to my credit profile, affecting my financial opportunities and potentially leading to higher interest rates on future credit products. 

Furthermore, I was impacted by the Equifax data breach, which compromised my sensitive personal information. Given that my data was exposed, I am deeply concerned about whether this inaccurate reporting is a direct result of that breach or whether my credit file has been mishandled due to inadequate security and verification measures. Under 15 U.S. Code 1681c-1, I have the right to ensure that only correct and properly verified data is included in my credit report.

I am requesting the CFPB to investigate this matter thoroughly and ensure that [ Creditors Name ] either provides full verification of this late paymentincluding proper documentation that aligns with the FCRAor removes the inaccurate late payment from my credit file immediately. I also request that Equifax review my file for any other potential inaccuracies related to their breach and take corrective action where necessary. 

This situation has already negatively impacted my financial stability, and I urge the CFPB to take action to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

On XX/XX/year> I RECIEVED A COPY OF MY CREDIT REPORT, ON THAT DAY I NOTICED A DEBT WAS SHOWING THERE THAT DOES NOT BELONG TO ME. 

ON XX/XX/year> I SENT A LETTER OF DISPUTE TO EXPERIAN REQUESTING THE DELETION ON THIS ACCOUNT. 

ON XX/XX/year> I RECIEVED EMAIL CONTAINING THE RESPONSE ON THAT DISPUTE LETTER, SHOWING THAT THE DEBT WAS VALIDATED, THIS EMAIL SHOWS NOT ONLY THE NEGLIGENCE ON HOW EXPERIAN IS MANAGING PERSONAL INFORMATION ON CREDIT REPORT BUT ALSO THAT THEY ARE NOT DOING THE INVESTIGATION NEEDED TO BRING THAT DEBT TO " VALID '' STATUS. 

REPORTS THAT SHOWS ARE AS FOLLOWS '' 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
Product: Credit reporting or other personal consumer reports

XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. 
Items listed above, have 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 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 ( AN ( 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. 

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$2200.00} Remove Fraudulent Inquiries listed below : XXXXXXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Inquiry, XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX 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: Vehicle loan or lease

At the end of my lease with US Bank, I went through the process of paying it off. I called to get the final payoff amount, which was {$25000.00}. The day I called and got the balance ( XX/XX/XXXX ), I went to my bank and withdrew the amount of {$25000.00} in a cashier 's check and overnighted the check to the address that was given to me. Within a few days the {$0.00} balance was reflected on my account and we were just waiting for the title to arrive. Then, on XX/XX/XXXX, US Bank withdrew the auto debit payment of {$340.00} after the vehicle had been paid off. I called multiple times to have this corrected and each time I was told there wasn't anything they could do. Finally, I filed a complaint with my personal bank, XXXX, and they said they would take care of it. We received a reimbursement for the {$340.00} on XX/XX/XXXX. Then we noticed on XX/XX/XXXX that the claim was reversed and we were charged yet again for the {$340.00}. I called US Bank again on XX/XX/XXXX to try to resolve this. They asked me to verify my address, which I did and they told me that was incorrect and that they could not help me unless I could physically go to a US bank. I attempted to explain to them that I changed my address with them on XX/XX/XXXX to the address I gave them. I tried to give a previous address but they said they could not accept it. I let them know that when I changed my address on XX/XX/XXXX with US Bank that I received a confirmation letter. I told them I could provide evidence of the address change and again I was met with, " I'm sorry, there is nothing we can do ''. I told them that I am currently living abroad and that going to a US Bank was not possible. I gave them our US mailing address but they still refused to refund the amount.
Product: Mortgage

On XX/XX/2021 I received an email stating that my case with Consumer Financial Protection Bureau was closed AmeriHome is claiming that I failed to respond to a request for an affidavit. That is an untrue statement I have proof of my receipt that the package was dropped off at XXXX XXXX on XX/XX/2021, and a XXXX  XXXX confirmation that it was received. I have left a message and faxed the proof of my affidavit being received by AmeriHome to the Customer service Manager that made a false statement. This Mortgage company doesn't have anyone with actual knowledge of my case. Every time I call customer services the representative doesn't have any information and tells me to call back within 24-48 hours so that they can get email respond and in return have a response for me. It is impossible to resolve an issue of the magnitude with them without speaking with a person that has information and responses for me.
Product: Mortgage

In  XX/XX/XXXX  we g ot a mortgage with   XXXX   XXXX    who sold to   XXXX   XXXX   XXXX   ,who sold to   XXXX   XXXX  : With none of these banks did we have an escrow  ! I   currently have a filed complaint against  XXXX  with this department , complaint number   XXXX   : This complaint today is against Ditech to whom   XXXX   sold my mortgage to: 
 As in the complaint against  XXXX  , ditech was sold my mortgage with an ESCROW in which was illegally initiated by  XXXX ! However Ditech collected my escrow and kept placing my monthly  mortgage payment into an escrow ! At the same time I notified them that I have no escrow and asked why they kept placing my regular monthly payment into an escrow instead of paying towards my mortgage! They explained that they didn't know why but would ask some bigger management why! Six months go by and the supposed escrow was over paid and I was told I would get a check returned for a specific amount overpaid! Yet my monthly payment continues to go into an escrow! I will fax the proof after I receive a number to refer to this complaint! I filed a complaint against both   XXXX   and ditech about this matter with department of insurance and financial services: FIRST OFF< YOU CANNOT MAKE PAYMENTS TOWARD A MORTGAGE FROM AN ESCROW ACCOUNT WHICH THEY DID! THIS IS ILLEGAL and all funds must be returned and this contract made void! from     XX/XX/XXXX  to XX/XX/XXXX  , their st atement show all my payments went into the escrow! YOU CANNOT MAKE MORTGAGE PAYMENTS FROM AN ESCROW! IT IS ILLEGAL ! The only thing you can pay from an escrow , is taxes or insurance!  Over   XXXX   went into escrow! Suddenly it disappeared in   XX/XX/XXXX !!! Th ey are scammers!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  transunion XXXX  Taking longer than 30days to investigate an FTC Violations XXXX  XXXX 12 accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiry, illegal pull and use of credit report.XXXX reported that XXXXXXXX  pulled my credit back in XXXX. I did not apply for any credit with this company or give authorization to pull my credit. This was fraudulent activity which I promptly reported and requested deletion. To my surprise when I receive my credit report I see that XXXX inquiry and 3rd party information on my credit report. I want this fraudulent inquiry removed as well as supplemental 3rd party information removed. I also want to know how they got my SS # and information and where it come from. I want the written documentation it came from, digital files, or temples sources to file police reports and send to FTC. The email address the was previously provided is obviously not mine and a fake address. I demand all information related to this inquiry. I don't have accounts with XXXX which has already been verified and they where told to delete the fraudulent information off my report in a letter received. XXXX and XXXX should both be fined for there practices and fraudulent activity. Additional supporting documentation has been attached.