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

My first issue is missing monies in small amounts and typically under {$1.00}. While there is a XXXX address to accompany said transaction, inability to trace address history or origin. 

Secondly, there are a number of XXXX transaction in which the name appears to be invalid but more so are the denoted amounts. All amounts are greyed out which to me would confirm an unavailable amount of currency for whatever reason. Both issues are discoverable via my Coinbase app.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation is still open under case file number XXXX. I have been patiently waiting for both Equifax and XXXX to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both EQUIFAX and XXXX to remove these inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and I have found the following item listed below to be in error. As I do know my consumer report and will take legal action if not corrected Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, XXXX XXXX XXXXXXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused severe stress and XXXX due to the abusive and unfair practices. 
You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT Date : XX/XX/year> I know you can not report any late payments on my consumer report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

I have communicated with the XXXX major credit bureaus in regards to an account with XXXX XXXX XXXX ( that does not belong to me ) that is now charged off and impacting my credit. I requested to have proof of my signature from the credit bureaus of which they could not provide and the account remains. This account is now charged of to a collection agency : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ ( XXXX ) XXXX XXXX Amount : {$650.00} Account Number : XXXX : XXXX This company has been attempting to collect a debt that does not belong to me nor are they able to provide viable proof that this account with XXXX  XXXX belongs to me. 

They have sent me documents that has an address that is not associated with me. The address that they have is not my current address nor have I lived there. I would like CFPB to hold XXXX  XXXX accountable and MRS BPO , LLC for not legally reporting an account that is not mine. I have communicated with both entities via mail to request that this account is removed. They are not cooperating with the Fair Credit Reporting act to require an actual signature or supporting documents to prove this account belongs to me. 

This collection agency is practicing unlawful methods to obtain money for an invalid debt. 
I would like this account removed at once. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we sent an ACH payment of {$20000.00} from our business checking account to the personal checking account of one of the owners of the business.

Both of these accounts were capital one accounts. The money was taken out of my business bank account on XX/XX/XXXX. The money was never received by the personal bank account. 

I have tried calling for information on this issue or an update or any assurance to resolve and return this balance. Every time I was told to call back in 2 days and that I could not contact the back office ACH team directly. 

It has been XXXX  days since the {$200000.00} has dissapeared from my account and I have yet to receive so much as an email confirming the issue, any confirmation that someone was made aware of the issue and was working on it, and most importantly no resolution in returning my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion multiple times to submit hard inquiries disputes that show as duplicates. Each time they have refused to assist me with the duplicate hard inquiries deletions. I have listed the hard inquiries that should have been removed. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX is listed twice and XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. Several of the inquiries show more then once per month. XXXX XXXX XXXX XX/XX/XXXX I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very unhappy right now as my personal information was tamper with. I do n't understand as a company with this magnitude could allow something like this to happen. You put your trust in a company that is suppose to be secure and make sure all your information is kept private and it has been comprise. I want to know how you guys will fix this matter. I am really angry right now as to know that some where out there someone have my information and can using it. I have already been a victim of identify fraud. Why did it take you guys six weeks to notify myself and other consumers of this security breach, this is wrong. You guys know this is not acceptable coming from this company. This is wrong! wrong! wrong! Shame! Shame Shame! I see that your executives was able to sell their share to protect their money shame you guys. I will pray hard for you guys and contact my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking through my credit reports, I did not find a Bank of America card account there. Account number XXXX, opening date XX/XX/2019. Please add my account and current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN HAVING PROBLEMS WITH XXXX XXXX XXXX XXXX XXXX XXXX. ALL STARTED BACK XXXX NOT PAYING MY BILLS BCUZ I GOT XXXX.SO WHEN CREDIT CARDS STARTED REACHING OUT TO ME TO MAKE ME A LOWER PRICE TO SETTLE THE ACCOUNTS I WAS ALL FOR IT BUT THE AGREEMENT WAS TO TAKE OFF THE ACCOUNTS BCUZ OF LATE PAYMENTS, DERGORTORY, COLLECTIONS & DELINQENT WOULD BE STUCK ON MY ACCOUNT FOR 7 YEARS. SO EVERYTHING WENT WELL WITH XXXX XXXX XXXX BUT NOT WITH.I EVEN BEEN DOING FTC.GOV AND YOU GUYS CFPB.SO CALLED EXPERIAN TO ASK THEM ABOUT IT AND THERE ANSWER WAS THEY DIDNT KNOW ABOUT ANYTHING ABOUT THE SITUATIONAND THEY SEEN BUT REFUSE TO TAKE IT OFF. I HAVE BEEN FIGHTING THEM EVERY MONTH BACK IN FORTH BACK IN FORTH. PLEASE I BEG YOU TO GET THEM TO UNDERSTAND YOUY TO TAKE THE 2 ACCOUNTS OFF WITH EXPERIAN PLEASEEEEE ITS MAKING ME SICK TO MY STOMACH. I HAVE DID EVERYTHING POSSIBLEXXXX XXXX XXXX XXXX XXXX XXXX. PLEASE MAKE THEM TAKE THESE 2 ACCOUNTS OFF .I DONT THINK THAT EXPERIAN THINKS YOU CAN TAKE THESE 2 ACCOUNT OFF. THATS WHAT I WAS TOLD BY A EXPERIAN EMPLOYEE. TAKE BOTH ACCOUNTS PLEASE I BEG YOU. THERE CLOSED AND PAID UP. HELP WITH THIS PLEASEEE. ITS A NIGHTMARE. MY BUSSINES & PERSONAL BOTH SEEMS LIKE THEY ALL CREDIT CARDS & FUNDING LOOKS AT THEM. MAKE THEM LISTEN YOU PLEASE XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported inaccurate information on my credit report from XXXX XXXX. It clearly has No Information or Closed Date. Only has Miscellaneous Reporting Agencies and there need to be removed immediately. Under fcra must report accurate information, Equifax has not submitted accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over SEVENTEEN years. I have NO previous addresses. Credit bureaus EXPERIAN, XXXX AND XXXX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX XXXX XXXX, XXXX XXXX ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand these payments be updated to paid on time immediately. Thank you
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Phoenix Opened XX/XX/XXXX + {$1400.00} +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Phoenix Opened XX/XX/XXXX + {$1400.00} +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 12 CFR 1006.30 a debt collector may not furnish information regarding a debt to a credit reporting agency without consumer 's consent. However, in addition to consistently furnishing information regarding this alleged debt, on XX/XX/XXXX ALLY FINANCIAL reported a late payment in my name to XXXX ( see attached ). 

Also, on XX/XX/XXXX I requested that this alleged debt be validated by ALLY FINANCIAL. Note that under FDCPA Section 809 ( b ), ALLY is not allowed to pursue collection activity until this alleged debt is validated. Be advised that in Boatley v. Diem Corporation, No. Civ 03-0762 ( D.C. Ariz. 2004 ), the court ruled that reporting a collection account is, indeed, considered collection activity.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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/year>
Product: Money transfer, virtual currency, or money service

PayPal locked the funds in my account, would not let me spend any of MY MONEY. PayPal lets money accumulate, but I can not transfer or spend any. 

No vendor could complete a transaction that I initiated. Several months passed. 

Then XXXX had fees ( for a sale ) due and PayPal allowed that transaction. 

PayPal continues to lock the rest of MY MONEY. 

I have been robbed! Do something about these criminals.
Product: Credit card

Citibank credit card as today Send me statments in XXXX. 
I have paid both credit cards I full. For my surprise they send a new charges for XXXX with the insterest charges from the previous balante that was paid in full according with their bank statement send to me. 

XXXX XXXX : Due date of XX/XX/XXXX of {$7600.00} Paid on XX/XX/XXXX in total. 
Interested on XX/XX/XXXX {$100.00}
Product: Debt collection

I owed XXXX XXXX XXXX, and it was referred to Franklin Collection Services. They called me, I paid, but they went ahead and put it on my credit reports at XXXX and XXXX AFTER. This has really hurt my credit, even though the actual entry on the reports says it is PAID/CLOSED. I called them and asked them to remove it from my credit reports, but they claimed they could not do that ( not true ) and offered only to mail me a letter saying the debt was paid, which is useless ( that was after 3 hangups and 5 transfers between departments on their end ).
Product: Credit reporting or other personal consumer reports

Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have made multiple calls to correct this action and XXXX XXXX ( XXXX ). They have refused to resolve this payment issue. I was yelled at, hung up on and management calls were never returned. 

This company made multiple harassing calls for debt collection on a regular basis on almost a daily basis. 

From XX/XX/2018 to present I have spoken to numerous people at all levels and now they have put me into collection for {$56.00} when I paid XXXX XXXX as agreed upon. They claim they can not find the check I find that hard to believe as the other checks were received at the same address. 

I want immediate correction to my credit report as the information provided to blemish my credit is not correct. This company is unprofessional and unreasonable and their lack of customer service is appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
Product: Mortgage

In 2012, Ocwen Loan Servicing cozied up with shady XXXX   XXXX  who scrambled and then obtained the phony XXXX file that was sitting on top of the pretender lender loan servicers criminal CEOs desk that is stuffed with fabricated documents, forgery and fraud, manufacturered force place insurance policies, false principal balance, false payment history, void assignment, manufacturered note, and lots of other fraud and then started slandering my title again and again to embezzle. Shady Ocwen was using and adding false information, false balances, false dates, false payment amount, false bankruptcy information and other false information to all three major credit reporting agencies, XXXX, XXXX and XXXX. Ocwen Loan Servicing intentionally done these quiet crimes for years and intentionally failed to respond to my many letters and complaints regarding credit reporting intentional fraud errors for many years causing me exteme harm. I have most of my credit reports that will be given to the court. Fraudulent Ocwen shady employee XXXX XXXX who is assisting her white collar crime operation with embezzlement intentionally removed Ocwen incorrect information from my credit report to sweep another white collar crime under the fraudulent CEOs desk. Never would of thought that Ocwen could brainwash a young new lawyer to assist pretender lender loan services with fraud criminal white collar crime embezzlement. This complaint is evidence that I have spoken with the City of XXXX Mayor who forwarded my matter to the sheriffs. Crooked pretender lender loan servicers and lawyers who tweak up the laws to hide from crimes they commit are the ones who always fail with thousands of open lawsuits. This is what incompetent crime bal people do!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the customers financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to FTC Report # XXXX Identity Theft regarding Covid19 Unemployment Compensation. 
On XX/XX/2020 I received alerts from XX/XX/XXXXXXXX Card, and Merchants Solutions regarding a hard credit check that had been process using my name and social security number. 
While reviewing my XX/XX/XXXX Credit Report I found an wrong address under my name. The fraud account was placed under : XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX. A fraudulent telephone number using my name was also on the report. Number XXXX. XXXX said that the fraudulent address belong to a company called XXXX XXXX. 
While reviewing my XX/XX/XXXXCredit Report the fraudulent telephone number also appeared in the report under my legal name. XXXX. 
The fraudulent credit card was from Capital One/Cabelas, XXXX Capital One XXXX XXXX, XXXXXX/XX/XXXX XXXX and also from Capital One/Cabelas, XXXX XXXX XXXX. XXXX XXXX XXXX, UT, XXXX XXXX XXXX. 
I telephone Capital One 's Fraud line at XXXX and reported the Fraud. They told me that the credit card was not issued.