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

On XXXX XXXX I received a messaged from Coinbase Dept. that someone tried to access my account to a diff. loc. I called them to lock my acct. I spoke to XXXX and told her what's happening and I was told it was already locked. And she asked me the account balance in my account and I told her {$13000.00} and she verified that amount. She said I needed to wait 24-48 hours to activate my account. So XXXX XXXX I called Coinbase again and talked to XXXX and I told him what happened and I need to retrieve my account so she assisted me to do it. He asked me to download my ID I was hesitant to do it but I can't get thru the process without downloading and taking a picture of myself on the spot thru my phone. After all those things I was told to give it a 48 hrs. before assessing my account. XXXX XXXX First time I accessed my account after what happened and I was surprised the balanced was only {$6000.00} instead of XXXX. Called my Coinbase support called XXXX but was cut off in the mid of conversations. Called again and talked to XXXX and he said he'll transfer me to someone who can see my account. I was transferred to XXXX XXXX and I told him the whole story and he told me he will transfer it to Safety Dept so they will escalate the process and rest assured that they are going to work with my case and will be refunding. But up to now they don't give me an update I e-mailed him since he told me to communicate with them thru mail. I called them but they all just give me a runaround. I filed a police report. I already sent them a certified mail but until now I don't receive any response. I can't withdraw the remaining balance since they said before they restricted any movement on the account. I want my remaining balance back because I don't trust this company anymore. I have all the supporting papers if you need me to upload it. Please I need your assistance. 

Thank You so much in advanced, XXXX XXXX Coinbase XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to this credit directly via mail on XX/XX/XXXX and they told me they would look into the matter and it would be resolved within 30 days and it still has not been resolved and is hurting my credit score. According to the fair credit reporting act they have not supplied proof under the doctrine of estoppel by silence XXXX v. XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time Equifax has remove " XXXX XXXX XXXX XXXX from my report. This confirms all consumer violations at hand and has incurred actual damages and injury from violations.
Product: Credit card

Subject : Dispute of Fraudulent Charge and Request for Account Removal Dear CFPB, I am writing to formally dispute a fraudulent charge associated with the account XXXX on my XXXX credit report, with the account number beginning XXXX and a balance of {$280.00}, opened on XX/XX/year>. 

In 2023, I visited the store and made purchases worth {$300.00}, which I promptly paid off. After settling the balance, I closed the account, believing everything was in order. However, I later discovered that I was billed an incorrect amount. Despite my repeated efforts to have the matter investigated, the store failed to properly investigate or resolve the dispute, and they have refused to remove the illegitimate debt from my account. 

I have formally disputed the charge multiple times over the past year, but the store has closed my disputes without explanation. As a result, my credit score has dropped by XXXX points, with no clear reason provided. I strongly believe that this is due to the fraudulent charge, which has not been removed from my credit report. 

Furthermore, I had just moved to XXXX at the time of this transaction, and the situation at the store seemed suspicious, which in hindsight should have raised red flags. I request that the store review security footage from the time of the disputed transactions to verify that I did not make those purchases. Despite requesting this, I have not received any feedback or results from the stores investigation.

My rights under various consumer protection laws have been violated in this process : Fair Credit Reporting Act ( FCRA ) Under the FCRA ( 15 U.S.C. 1681 et seq. ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any errors. The store and credit reporting agencies must verify the accuracy of the information within 30 days of my dispute. If the investigation is not resolved in my favor, I am entitled to receive a written explanation of why the dispute was closed.

Fair Debt Collection Practices Act ( FDCPA ) If this debt was turned over to a collection agency, the FDCPA ( 15 U.S.C. 1692 et seq. ) protects me from unfair and deceptive practices. The debt collector is required to provide verification of the debt upon request and must cease collection efforts until such verification is provided.

Truth in Lending Act ( TILA ) Under TILA ( 15 U.S.C. 1601 et seq. ), I have a right to dispute billing errors, including fraudulent charges, on credit card accounts. The store has failed to properly investigate the disputed charge and provide me with the necessary billing error resolution. 

Given the fraudulent nature of the charge and the improper handling of my dispute, I am asking for the immediate removal of this account from my credit report and the restoration of my credit score.

Please address this matter as soon as possible. I am prepared to provide additional documentation or further details if necessary. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding to remove fraudulent items from my account with your institution. Despite multiple notifications and requests for assistance, I have encountered significant challenges and delays in resolving this critical issue, causing considerable distress and financial harm.

The fraudulent items in question were identified on [ date ], upon which I promptly contacted your institution to report the unauthorized transactions and request their immediate removal. Since then, I have made several attempts to rectify the situation through various channels, including phone calls, emails, and in-person visits to your branch, yet to no avail.

I would like to highlight the following concerns regarding the handling of this matter : Inefficiency and Delay : Despite providing all necessary documentation and evidence of the fraudulent transactions, the process of removing these items from my account has been unduly prolonged, resulting in prolonged exposure to financial risk and uncertainty.

Lack of Communication : Throughout this ordeal, there has been a glaring lack of communication from your institution, leaving me uninformed about the progress made in resolving the issue and exacerbating my anxiety and frustration.

Failure to Take Prompt Action : The failure to take prompt and decisive action to address the fraudulent activity on my account reflects poorly on your institution 's commitment to safeguarding the interests of its customers and upholding the principles of integrity and security.

Financial Consequences : The presence of fraudulent items on my account has had severe financial consequences, including unauthorized charges, overdraft fees, and potential damage to my credit score, which could have been mitigated with timely intervention from your end.

In light of the above, I demand immediate action to rectify this situation and ensure the prompt removal of all fraudulent items from my account. Additionally, I expect compensation for any financial losses incurred as a result of the unauthorized transactions and the inconvenience caused by your institution 's failure to address this matter expediently.

Furthermore, I urge you to conduct a thorough review of your fraud detection and prevention protocols to prevent similar incidents from occurring in the future and to enhance the security of your customers ' accounts.

Please acknowledge receipt of this complaint and provide a timeline for resolving the issue. I expect regular updates on the progress made until the matter is satisfactorily resolved. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus.I need these inquiries verified and proof provided for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed Here are the companies and dates of occurrences : Equifax : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Over XXXX months in XXXX of XXXX  I submitted a complaint to Self/Lead Bank informing them that account XXXX was not in compliance to the FCRA. They sent a response letter saying that they confirmed that this account is reporting accurately contrary to the different dates listed for the date last active and date last reported, and inconsistent payment history. I even tried to take this up with the CRA 's in which they responded that they only report what is furnished to them by the creditor. So, my question is, how are you furnishing different information to the CRA 's? In order to verify that this information is accurately reporting, I am requesting specific documentation that establishes the accuracy and legitimacy of the account in question. Please provide : Original Account Agreement, Account History, Charge-Off Statement, Proof of Balance and Itemization, Date of First Delinquency, Chain of Title for Debt Purchases, Policies and Procedures Documentation. These documents are within my rights to request under the Fair Credit Reporting Act, which mandates that all reported credit information must be accurate and verifiable. If you fail to provide this information, this account must be removed immediately. I also have the right to escalate this complaint through legal channels.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini 2 months ago and submitted all identification forms and deposited money and bought crypto. I was verified then all of a sudden it says not verified and wont let me withdraw my own money thats on the app. Ive tried emailing. Calling. Tweeting and nothing. I want my money back this is a scam. I will be warning everyone about this. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX to my consumer report. Equifax is in violation of 15 usc 1681b. And Equifax is willfully in violation FCRA. Under 15 usc 1681b Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. I am distressed that Equifax is reporting without my written consent to my credit profile and Equifax has failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports that they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Equifax is abusing me by and hurting the ability for me to provide for my son. Equifax is impeding and impacted my my credit and is hindering me from progressing in my life. 

I have already went to XXXX and FTC. Convergent is unable to provide me with any contract or proof that I owe this debt. They are in violation as well and are abusing me.
Product: Credit reporting or other personal consumer reports

ITEMS DISPUTED MULTIPLE TIMES THROUGH LETTERS. IMMEDIATE REMOVAL NEEDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had Spoken XXXX Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from actual creditors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiries that l believe to be fraudulent and have negatively impacted my credit report.

Below is a detailed list of the inquiries in question : XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc
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 XXXX XXXX Account Number : XXXX Account Name : NEW XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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: Money transfer, virtual currency, or money service

We had 2 inactive accounts with heartland payment system that apparently were opened but remained inactive for years but still being charged fees for almost 2 years! ( XXXX, XXXX ) This went on from XX/XX/XXXX to XX/XX/XXXX with fees adding up ( {$4300.00} and {$3600.00} respectively ). 
When we discovered this, we made multiple attempts to speak to Heartland about it to no avail as they continued to charge huge fees. 
This included speaking and emailing our " client manager '' XXXX XXXX who spoke down to us and used deceptive tactics to offer discounts ( upto $ XXXX ) on future business rather than help us resolve the issue and get refunds on a much smaller amount. He also seemed to want to avoid any responsibility including sending us to an automated system that was a black hole and didn't actually do anything except send you to a VM. 
After multiple emails and calls we left a voicemail for the company XX/XX/XXXX. We got a call back from a 'XXXX  XXXX that stated she was in the retention department which was confusing since we just wanted to stop getting charged fees after 2 years and retention shouldn't have been who called back. 
XXXX said she will " handle it '' and made all these promises about cancellations and refunds but we hadn't gotten either or not even a call or follow up since she called us back in XX/XX/XXXX. 
Please help this small restaurant business get all our accounts cancelled and refunded, especially the inactive ones that were being charged when the company can clearly see they were not being utilized. Moreover make sure this company cancellation policy is legitimate and not deceptive and unfair to avoid others falling in their traps.
Product: Debt collection

I visited XXXX in XXXX, NJ in 2015. I paid for one month and was never told that they would be continuing to bill my credit card on a monthly basis. When I finally realized it I contacted XXXX and was told that I was signed up for automatic payments and that I could not cancel unless I went in person to the facility. I immediately contacted my credit card company to dispute these charges. The credit card company has given me provisional credit and is working on the dispute. They also closed my card and issued me a new one. However, XXXX has subsequently referred these charges to a debt collector - First Credit Services , Inc. XXXX apparently signs people up for automatic payments whether they are aware of it or not and then refuses to cancel those payments upon request. These are shoddy, shameful business practices.
Product: Debt collection

I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 

I made the payment XX/XX/2022 I have bank statements for accuracy in my dispute. 

This is not 60 days late! 

This is starting to become very stressful when Im trying to apply for loans and I keep getting denied for their negligence!
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates of XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018 I disputed incorrect names, addresses, phone numbers, SSN 's  and inquiries from my credit reports. XXXX, and XXXX removed the incorrect items with no problems because I sent my SSN card, my Driver 's License and a fax requesting that the information be updated and or removed because I did not live at those addresses, my SSN was not correct and the names listed on my reports were incorrect. Experian has failed to complete my requests even after showing proof. I am beyond tired of this company. I have followed all the steps I know to follow, by making calls, uploading documentation, faxing the information etc. and still nothing has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I recently pulled my credit report to find numerous fraudulent and unauthorized inquiries on my PUBLIC credit equifax profile. 


This is hurting my financial health and is HURTING MY ABILITY TO HAVE A HOME AND TRAVEL IN ORDER TO WORK. 


Under FCRA law I have a right to privacy and my permission in the form of a signature is required to pull my credit report or add accounts to it. I HAVE NOT SIGNED ANYTHING OR GAVE WRITTEN CONSENT FOR ANY OF THESE ACCOUNTS. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) giving permission for each of these accounts. 


If you are unable to that proof within a reasonable time YOU MUST DELETE EACH OF THESE ACCOUNTS OFF MY REPORT IMMEDIATELY. 


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, credit repair services, or other personal consumer reports

I was dismayed after I ordered my XXXX XXXX and TransUnion credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XXXX XXXX and 60 days late as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.