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

I contacted two crypto financial entities Coinbase Wallet and XXXX XXXX XXXX XXXX regarding XXXX in the amount of {$290.00} in my Coinbase Wallet XXXX staked/deposited with XXXX when connecting Wallet  to XXXX governance platform online the staked deposit amount shows XXXX. I have contacted Coinbase Wallet support in addition to making compliant in reference to the following case # XXXX XXXX, XXXX, XXXX, and XXXX unsuccessful in getting a resolution. I have also contacted XXXX via email and messaging which states all though there are restrictions on trading and participating in governance if US resident you can still withdrawal staked deposited XXXX, however coinbase Wallet shows XXXX balance instead of {$290.00} deposit. I have also made complaints to XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Consumer Complaint Case : XXXX Date Submitted : XX/XX/2022 and SEC Submission Number XXXX was submitted on Wednesday, XX/XX/2022 at XXXX AM regarding this serious matter with Coinbase Wallet.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX there was a advertisement for a secured credit card with a new bank account with a Wells Fargo credit line. I deposited {$1000.00} into that account after the Credit card was issued the account was closed. I was unable to make deposits or payments to the account at the bank. When I tried to dispute the facts of the account The account was abruptly closed and has remained on my credit bureaus for 8 years. It has been done with malicious intent. My first Complaint to you slipped through the cracks when my mother died  and someone in your office typed in the wrong zip code on the complaint and I was unable to be identified and you closed the complaint. CONSUMER FINANCIAL PROTECTION COMPLAINT # XXXX I also filed my complaint for the Wells Fargo Fraudulent Accounts Class Action Lawsuit to no avail it is still reporting on my credit bureaus and I was denied credit XX/XX/XXXX I am taking this seriously because they are NOT correcting our credit and the Credit Bureaus are refusing to correct the age of the debt by removing it. THEY CONTINUE TO BREAK THE LAW & YOU LET THEM. Its horrible to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/2020, CITIBANK froze and closed a joint checking account. It was now under investigation by the Fraud Department. After 3 months of unacceptable customer service, I was told that only part of my money would be released to me. The unpaid portion was the Social Security payments for my mother and I wasn't entitled to this money. 
This account was set up to pay all services necessary while my mother was in a XXXX XXXX. I've contacted CITIBANK weekly and they refused to release this money and won't give any details of what happened to it. 
I am the executor/representative and POA of my mother 's last Will and Testimony. I have sent by certified mail, documentation of being both my mother 's representative and legal POA, joint names on CITIBANK 'S signature cards, the balance of closing checking account, {$14000.00}, a partial check received for {$6600.00} with an additional check to complete the total for {$7500.00} plus interest, a letter from her doctor stating she's incapable of making financial decisions, a letter from Social Security stating myself as being her representative of her monthly statements and a copy of her death certificate, as my mother passed away XX/XX/2020. 
This money is part of her estate and I am not able to move forward until CITIBANK pays the remaining balance of over {$7000.00}. Please help close this account to make things right. I have done everything I can possibly think of and now I need professional help. CITIBANK is refusing to release this money! 

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

On XX/XX/2024 at XXXX XXXX pm there were mutiple atm withdraws made from my chime checking account. I never received notification the money was being taken out of my account. On XX/XX/XXXX i noticed the withdrawals were made and from the state of Illinois. The total amount of charges including the atm fees were $ XXXX have never lost my debit card and I live in the state of Florida. The first time I called chime I was told there would be an investigation and it can take from XXXX days for the investigation to be resolved. On day XXXX of the investigation I was emailed that the request was being denied. I've called back mutiple times to dispute the charges and was told I would receive an email and paperwork showing showing why it was denied. I have never received any paperwork .Each time I've called in and sent in information it gets denied within an hour. I have sent in a police report and also other information chime asked me to provide as well as the police report i have filed. I also sent in a photo with the time stamp from the scarp yard I went to on XX/XX/2024 proving I could have not been in the XXXX Illinois. I have never been to that state and would like my money to be refunded to me. This has made me late on my rent and also behind on my bills. I am willing to sue Chime and also go to social media and news if the dispute is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00}
Product: Credit reporting or other personal consumer reports

I filed an identity theft with Experian. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Experia has failed to remove and block this item from my consumer report. They removed and blocked one item but not the other item. XX/XX/2023 they responded with a letter saying that my request is declined becaus they have determined that my request was made in error ; is a misrepresentation of material fact relevant to the requst to block and /or I have obtained possession of goods, services or money as aresult of the transaction issue. This is a violation of my consumer rights. I am demanding the immediate removal and blocking of this item from my report.
Product: Credit reporting or other personal consumer reports

please provide proof that these account belongs to me and if they cant prove that they are mine please remove accounts.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Experian and XXXX should not be reporting my information to other furnishers knowing the information is false. this false information should not be shared. plus i am asking for these accounts to be proven that they are mine with original documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard credit inquiry on my credit from " Credco/Credco XXXX XXXX XXXX, XXXX XXXX XXXX CA. I did not authorize anyone to do a credit check, I did not purchase anything, I did not look into any loans or anything. I gave no one permission to check my credit.

I've been trying for months to talk to someone at Credco ( XXXX ) with negative results. All I get is a quick disconnection or a recording saying they can't complete the call. 

I contacted XXXX XXXX and received a letter stating I need to contact the party that did the Inquiry. A lot of help they were.
Product: Debt collection

The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency. I understand that the debt has been removed from my collection but during the time it was on my credit report it caused me financial damages over {$500.00} I am seeking for the debit collection agency to pay for the damages it had caused.
Product: Debt collection

They refused to take my fraud complaint about money taken out of my account after they had closed it due to me being XXXX. I spoke to an unidentified woman at BofA at XXXX XX/XX/2021 and she refused to take my fraud complaint, and she refused to accommodate my XXXX when requested. XXXX and XXXX her supervisor in Delaware refused to serve me or accommodate my XXXX.
Product: Debt collection

Fraudulent Accounts and inaccurate information listed on my credit file. The information reporting does not match. Dates and information reporting are different on each bureau. 


XXXX XXXX Account : XXXX ( Fraudulent account ) ( Remove ) XXXX XXXX Account XXXX ( Never Late ) Inaccurate reporting on XXXX XXXX XXXX Account XXXX ( Fraudulent account ) ( Remove
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, TX XX/XX/XXXXConsumer Financial Protection Bureau XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Subject : Formal Complaint Against Equifax for Failure to Properly Investigate Fraudulent Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for failing to conduct a proper investigation regarding fraudulent inquiries that have been reported on my Equifax credit report. I have taken all necessary steps to dispute these inquiries, but Equifax has refused to comply with my request for their removal. 

1. **Initial Dispute Filing : ** I filed a dispute regarding these fraudulent inquiries with all three major credit reporting agencies : Equifax , XXXX XXXX and XXXX. 
2. **Resolution by XXXX and XXXX : ** Both XXXX and XXXX conducted their investigations and subsequently removed the fraudulent inquiries from my credit report. 
3. **Follow-up Dispute with Equifax : ** After XXXX and XXXX deleted the fraudulent inquiries, I submitted another dispute with Equifax, providing them with copies of my updated credit reports from XXXX and XXXX as evidence that the inquiries had been deemed fraudulent and removed. 
4. **Equifaxs Lack of Investigation : ** Within mere minutes of submitting my dispute, Equifax sent me a notification stating that the investigation had been completed and that the inquiries would remain on my credit report. The speed of their response suggests that a thorough investigation was not conducted, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

5. **Repeated Dispute Filings : ** I filed an additional dispute advising Equifax that they were non-compliant and willfully reporting inaccurate information on my credit report. As a consumer, I have the legal right to have all accurate information reported. Despite this, Equifax once again immediately responded that the investigation was complete and that the inquiries would remain on my credit report. 
6. **Ongoing Non-Compliance : ** Now that Equifax is being sued for failing to conduct proper investigations, I would like to once again bring to the attention of both the CFPB and Equifax that they are still inaccurately reporting these fraudulent inquiries on my credit report. I have filed more than five disputes regarding these inquiries, and Equifax continues to ignore its obligation to report accurate information. 

I am requesting that Equifax immediately remove all of the inquiries from my credit report. I have previously provided Equifax with the inquiries that need to be removed, as well as my credit reports from the other agencies, as proof that the inquiries had been removed. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me should you require any further information. 

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

I'm very outraged my disputes haven't been investigated. This isn't fair and against the law. I sent my letter on XX/XX/2020 and it's been more than 45 days and I haven't heard anything back yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes. I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I am a real person and this is angering me that they still haven't responded to my dispute I sent out over 45 days ago. Now I'm asking for help once again. I give authorization for you guys to investigate these items. Please do your job.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their failure to investigate a disputed item on my credit report, specifically an entry under " XXXX XXXX. '' Despite multiple attempts to resolve this issue, TransUnion has willfully refused to conduct a proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ). As a result of their actions, I am requesting that the " XXXX XXXX '' entry be deleted from my credit report and that I be compensated with a {$2000.00} payment for the damages I have sustained. 

I believe TransUnion has willfully violated the following sections of the FCRA : 15 U.S.C. 1681i : TransUnion has failed to conduct a reasonable investigation of the disputed item within the time frame required by law.

15 U.S.C. 1681e ( b ) : TransUnion has failed to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report.

15 U.S.C. 1681i ( a ) ( 1 ) : TransUnion has failed to conduct a reasonable reinvestigation of the disputed information within 30 days, as required. 
15 U.S.C. 1681n and 1681o : These violations constitute willful and negligent non-compliance with the FCRA, entitling me to actual, statutory, and punitive damages for the harm caused. 
Despite my repeated attempts to dispute the " XXXX XXXX '' account, TransUnion has failed to investigate the matter appropriately, leaving the inaccurate information on my credit report. This continued failure not only damages my credit score and financial standing but also shows a blatant disregard for my legal rights under the FCRA.

In light of TransUnion 's willful violation of the FCRA, I am requesting the following : Immediate deletion of the " XXXX XXXX '' entry from my credit report as it is inaccurate and has not been properly investigated. 
A {$2000.00} payment to compensate for the damages caused by TransUnions willful violations, which have resulted in emotional distress, financial hardship, and harm to my creditworthiness.

Please let me know if any additional information or documentation is required to assist in the investigation. I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Debt collection

AMERICAN EXPRESS consistently calls after I ask for signature proof of me a agreeing for a debt with AMERICAN EXPRESS
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute an unauthorized credit inquiry on my credit report. Upon reviewing my report, I noticed an inquiry from All hard inquries dated several different date ranges, which I did not authorize. As this inquiry was not approved by me, I request its immediate removal from my credit report.
Product: Checking or savings account

My business checking account was closed and I received a refund check but the check did not clear with the bank and I was charged a penalty of {$15.00}. I've contacted kabbage Inc at least 4 times concerning this issue. Everytime I was told that the check was being reprocessed and that it would be sent to me by mail in 10-15 days. However, I never received another check even after several contacts with this company.
Product: Credit reporting or other personal consumer reports

Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XXXX XXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Product: Credit reporting

I tried to request a credit report from all XXXX bureaus through Experian. Their site is very misleading, and they force you to call in and cancel a membership, which you never really asked for, within 7 days. All I wanted was a report from all XXXX bureaus, not a service with Experian. I paid {$39.00} for that, and now they 're trying to force me to pay another {$21.00} for a service I never knowingly asked for. Just another way the U.S. government is allowing credit bureaus ( and corporations in general ) to act indecently and mistreat the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letters, XXXX XXXX XXXX XXXX dated XXXX/XXXX/17 and XXXX XXXX dated XXXX/XXXX/17 ), from two furnishers on my consumer report stating they did not service the accounts. XXXX and XXXX deleted both, however, Equifax refuses to delete. I submitted the letters to Equifax and ask them to delete the accounts off of my consumer report and they are still refusing to do so even after I sent them copies of the letters from each furnisher. I called and spoke with an agent that stated they had completed the dispute and that they did not have anything from the two furnishers stating that they no longer had the accounts. The letters from both furnishers are attached.
Product: Debt collection

I see a collection account on my credit report, which is not mine, so I try to contact them by phone so it was very hard to get through them anyway, finally, when I able to talk with them, they are not a helpful and thread me to mess my credit report and keep messing my credit report till I paid them so I write them a letter requesting VALIDATION of debt, After that they did n't respond to letters and take off from my credit report But since then they keep reporting on my credit report after every couple months I have to go and dispute then again and again to clean my credit report but they still on my credit report.
Product: Debt or credit management

I received a threatening letter in the mail. on XXXX, 2024 This letter had no return address or company name. Just an XXXX number. The letter said that I must respond " within 10 days '' regarding my account. " Failure to respond '' was highlighted in the letter. With threats that I would accrue " unreasonable '' interest and " penalties '' if I didn't respond. The final paragraph reads, " In order to determine the feasibility of an adjustment to your outstanding balances it is important for you to contact our firm at XXXX within 10 days of receiving this notice to avoid unnecessary delays in processing your request. '' I thought I owed {$25000.00} to this company after reading this letter. 

I contacted the company at the number given. Only to find out this is a debt relief company, Debt Busters, designed to help people pay down debt. I had no previous contact with this company. I did not owe this company any money. I did not contact this company at any time in the past. 

This is a violation of the FTC act in this letter was deceptive and misleading. Nothing in this letter identifies it as a advertisement.