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

Beloved, I ask you to get in touch soon. It is a very serious fraud from Coinbase towards me. I am at my wits end and have lost all my money due to Coinbase Fraud. Despite hard and serious facts, it is difficult for the police here in the XXXX  to take action. 

My name is XXXX XXXX and I live in the XXXX. At the beginning of XXXX I met someone named XXXX. She advised me to invest in Coinbase. She said it was safe and easy. It started with small amounts until she started talking about Staking. After a deposit of XXXX USDT, both the customer service and this XXXX indicated to me that I had to deposit a minimum of XXXX USDT or I would lose my bet. 

After again transferring over XXXXUSDT to Coinbase Wallet, it was noticed that my money was being passed through Coinbase Wallet XXXX ( XXXX ) unsolicited. However, it didn't stop. Again I had to pay 20 % Tax to claim back the deposited money. However, this was sent to an external Wallet, but again from Coinbase Wallet. Then came the real blow and this is where the scam begins. Now, before XX/XX/XXXX, I have to verify exactly the deposited money of over XXXX USDT and verify my account with Coinbase Wallet otherwise I will lose everything. I would like to ask you to help me with this and recover my Money which was simply stolen by Coinbase. 

The police department consider Coinbase, XXXX and this XXXX works together. Coinbase paid this XXXX to get in touch with people and invest in Coinbase and after while then begins the Fraud.
Product: Debt collection

A representative by the name of XXXX of Coastal Financial Solutions called my place of employment and voluntarily informed the person that answered they telephone that I was being contacted for a legal matter concerning a return check. She left a number to return they call and when I called back she yelled at me about paying back a loan that I know nothing about. I could barely understand what she was saying as XXXX was not her first language, so she hung up and stated she would see me in court. This is the XXXX organization at has called me about a similar situation and it is always the incorrect information. The reason for my compliant is this person failed to follow proper steps in attempting to contact someone about a debt. I have not received anything from this company via email or telephone validating this debt. For this individual to share information with my employees of this nature impacts my intergrity amd has now caused a issue at my job with Human Resources. When I called to ask for the President of the Company, I spoke with a male that stated his name was XXXX XXXX. I will be filing this same compliant with the Attorney General and Frderal Trade Commission as well. The actions mentioned above by XXXX is illegal and should be handled accordingly. I have the electronic copy of the communication from my employee concerning this message as she was also stunned by the persistence of this representative. I have never competed anything illegal in my life and refuse to allow something of the magnitude impact my position or credit files. I wanted to make sure that this story was posted for all to see as I continue to take the neccessary steps to ensure organizations like the XXXX mentioned above does not get away with this kind of misconduct. ( I would like to add that although I selected " Talked to a XXXX party about MY debt '' ... I am not admitting that this debt belongs to me. It was the closest category listed to describe my situation.
Product: Credit reporting or other personal consumer reports

Not a duplicate request! I have 3 issues.

I still see a fraudulent identity theft account with XXXX that is not mine you still have not removed it and I still see a fraudulent identity theft address XXXX XXXX XXXX that is not mine you still have not removed. Please permanently remove those immediately. 

I also CAN NOT access my online account anymore even though I was able to log in 2 days ago. People over the phone were very unhelpful and did not know what to do. Please fix this. See attached photo for error. 

Please help me I am very frustrated.
Product: Debt collection

Delete unauthorized credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) immediately a violation of my privacy rights under the Fair Credit Reporting Act. This serves as my final warning ; correct this error within 30 days, or face legal action seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. Your prompt resolution is expected to avoid further legal consequences.
Product: Debt collection

I hope this message grabs your attention. I've been trying to address the issue of fraudulent accounts repeatedly, but unfortunately, I haven't received any action from your end. 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 if the fraudulent accounts are not promptly removed, I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit report that they are reporting as delinquent when they are no longer delinquent and haven't been for many years which is causing my score to be lower. They are having inaccurate information for the status of the accounts are there are no current accounts are are reporting late or anything. The 3 credit companies need to update my report to show accurate information that no account is currently delinquent or behind on payments. Below are not true or accurate at all. They are in violation of federal law and are refusing to help me. 


XXXX - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN XXXX - TOO MANY INQUIRIES LAST 12 MONTHS XXXXXXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY XXXX - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS XXXX - TOO MANY INQUIRIES LAST 12 MONTHS FA - INQUIRIES IMPACTED THE XXXX XXXX EXPERIAN/FAIR, XXXX XXXX XXXX. XXXX ) - XXXX XXXX XXXX - XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY XXXX - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
Product: Debt collection

As the Original creditor according to 15 USC 1602 ( G ) I am requesting this account be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am submitting this complaint against Affirm Inc. regarding the inaccurate reporting of my account ( # XXXX ) to the credit bureaus. I have attempted to resolve this matter directly with Affirm, but they have failed to take corrective action. 

Issues with the Account Reporting : 1. Incorrect Reporting of Account Status This account is listed as Paid, Closed/Never Late, yet it remains on my credit report with a reporting end date of XX/XX/year>. According to industry standards, a paid and closed account should not remain for XXXX XXXX unless it is a positive account. 
2. Personal Information Errors Affirm has associated this account with an incorrect address that does not belong to me. I have submitted previous disputes regarding this issue, but it has not been corrected. 
3. Failure to Provide Complete Verification I requested verification of this account from Affirm, and they only provided partial documentation. They have not demonstrated clear ownership of this account or explained why it remains on my credit report for an extended period. 

Requested Resolution : Immediate removal or correction of this accounts reporting date to reflect accurate credit reporting standards. 
Correction of my personal information, including removing any incorrect addresses linked to this account. 
Full verification of this account with all relevant documentation proving its accuracy. 

I expect Affirm to comply with Fair Credit Reporting Act ( FCRA ) regulations, and I request a formal response within 30 days. If this matter is not addressed, I will escalate this complaint further to the Federal Trade Commission ( FTC ) and explore legal options. 

Please confirm receipt of this complaint and provide a resolution at your earliest convenience. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding inaccuracies in the personal information and previous addresses listed in my credit reports from XXXX, Equifax, and XXXX. Despite my efforts to address these issues directly with the credit bureaus, the discrepancies persist, and I am seeking your assistance to resolve them.

Details of the Issue Name Variations : My credit reports include multiple incorrect variations of my name, such as : " XXXX XXXX XXXX '' " XXXX XXXX XXXX '' " XXXX XXXX XXXX  '' My correct legal name is " XXXX XXXX XXXX ''. The incorrect entries must be removed to prevent potential confusion or misuse of my personal information.

Address Discrepancies : The reports also list multiple variations of my address, including : XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX The correct and current address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. I request that outdated and incorrect addresses be removed to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I had one late payment for my loan through XXXX now Achieve. They agreed through phone calls that they would delete the one late payment because it was in the beginning of covid-19 and I had not had another late payment since on the account. 
XXXX has not updated my account it still shows late reporting on my XXXX acct. Please remove the late payment as agreed through phone calls.
Product: Checking or savings account

According to Capital One, my account was closed due to a Fraudulent Wire Transfer over a year ago with an amount totaling to {$7900.00}.

I have evidence and proof that this wire transfer was not fraudulent and was from a client we were handling in that past year.

I gave said client my personal information for the wire transfer and they sent the money, after going back and fourth with them for a few weeks they kept on delaying the project until we never heard from them again.

We tried following up numerous times only to be hit with more delays and we have been bending over backwards for over a year now to try and provide for this client As someone who's been a Capital One customer since I opened my first checking account this is pretty disheartening to say the least
Product: Mortgage

I closed on my home XX/XX/2018 with a mortgage payment of {$1700.00}, 2 months later I received a notification that my payment would be increasing to {$2400.00} due to the lender making an error on estimating my taxes in which they only calculated half of my tax bill instead of the full year. With that being said, I am now required to make up for their error and am being strong armed/required to make a large payment, which I can not afford. I have XXXX children and my husband is a XXXX veteran therefore we purchased this home expecting a mortgage payment we could afford. I have tried to contact the loan officer and he refuses to call me back and when I call customer service they will not alllw me to escalate the matter to a higher level of management. I am fearful that I will lose my home due to their error and I should not be penalized for such a error.
Product: Mortgage

I have contacted the mortgage servicing company 4 - 5 times to get them to report my timely payments to the credit bureaus but they respond with I must reaffirm a loan with the bankruptcy courts. I have not been in bankruptcy since XXXX and received a new loan on XX/XX/2017. My attorney has contacted them and informed them that Colorado does not re-affirm mortgages but SPS Servicing continues to send generic generated letters that I need to reaffirm my mortgage. The bankruptcy courts are informing me to contact my attorney and round and round I go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge also I am not using any third party only ME. There are items in my credit file are from unauthorized use of my social security number and card. I did not authorized these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any this.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act : Trnaunion misused and disclosed personal information to these companies without authorization. When I contacted XXXX, they advised me to contact all the companies. Their response is an unfair practice to not investigate. As called the all these companies they asked me for all my personal information which they did not provide. 
XXXX violated the following. 
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 written instructions. 

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

Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report but I haven't received any response it cause me stress. I demand to DELETE ASAP those accounts or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by XXXX XXXXXXXX XXXX While checking my credit report, it came to my notice that XXXX XXXXXXXX XXXX has furnished an account ACCOUNT # XXXX ACCOUNT # XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, Experian, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by XXXX XXXXXXXX XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, Experian, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX XXXX XXXX, and Experian ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX -ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or XXXX XXXX XXXX, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. If you do not cease communication, I will escalate the matter to a Federal Complaint. Sincerely XXXX XXXX XXXX
Product: Debt collection

Sent XXXX different notified letters all 30 days apart requesting verification that I was the owner of this account. I asked this company to provide me with a signature showing this was mine only to get a copy of the BIL and no verification signature. After XXXX attempts, XXXX different letters, more than 90 days between the XXXX to reply and verify NOTHING. No proof whatsoever that this was/is my account so I asked them to remove only to not get a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft have unauthorized accounts that appears on my credit report. A trouble some of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my XXXX, XXXX, and Equifax credit report due to my identity been stolen. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX my son informed me that something was going on with his account - monies taken out and monies coming in and he realized that he had lost his debit card. He was at work so I contacted Chase immediately. Explained that there were charges on XX/XX/XXXX that were not my son 's and reported card missing and asked to freeze account. Filed a complaint report with the bank based on the 3 transactions that occurred on XX/XX/XXXX. Told the bank that the {$200.00} charge was questionable as he did take out {$200.00} but not on the XXXX. As you can see from the attached printout it states the XXXX but it was actually on the XXXX, which my son said he did take out that amount on that date but not on the XXXX. Chase claims someone went thru their automatic system and provided them with enough info to believe it was my son claiming that the {$120.00} my son deposited in cash was {$2000.00}. Chase believed this person and deposited an additional {$1800.00} on the XXXX where someone went to the south side within the hour and withdrew {$1800.00}. My son was at work at this time. Chase refuses to work with the XXXX XXXX. XXXX XXXX XXXX that has contacted them. Also filed a police report. Now Chase went into my personal checking account with my husband and took out {$1900.00} that my son 's account was in arrears due to the fraud that occurred.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Cease and Desist all collections or derogatory activity regarding the alleged debts on my credit report.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is in violation of my consumer rights and is affecting my credit worthiness.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX, SC XXXX Subject : Request for Documentation Related to Charged-Off Account Dear LVNV FUNDING LLC I am writing to formally address the charged-off account referenced XXXX XXXX XXXX XXXX XXXX  which was transferred to your agency, LVNV Funding LLC, on XX/XX/XXXX. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the following documentation regarding this debt : 1. A complete account statement detailing the charges leading to the account 's current balance of {$670.00}, including any fees or interest applied. 
2. A copy of the original credit agreement with XXXX  XXXX XXXX  XXXX XXXX  that details the terms and conditions under which this account was opened. 
3. Evidence of your right to collect on this debt, including a copy of the bill of sale or assignment showing that you have the legal authority to collect on this account. 
4. A Form 1099-C, which should have been issued for the canceled debt. 

Please consider this letter a formal request for verification of the debt. Until I receive this documentation, I request that all collection activities cease, as required by law. 

Should you fail to provide the requested information within 30 days of this letter, I will consider this matter closed and will dispute the validity of this account with the credit bureaus. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Chime closed my account and claimed they sent my funds back I have been waiting 4 months and my funds were never received
Product: Mortgage

I lost my job in XX/XX/XXXX, and thought I would be proactive in letting my mortgage company know and was immediately assigned a home preservation specialist, and I was told to stop making payments. About seven XXXX 's later, fighting with the mortgage company to resolve my issues of applying payments to wrong account & wrongful foreclosure threat, my modification was finally done on XX/XX/XXXX. My house was " under water '' by that time, payments were unaffordable and the mortgage company ruined my life with their bullying and unethical business practices.