23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

An account is listed on my credit report that I never opened or had business dealings with this account. There is no contract nor have any transactions occurred with the business. It is listed as XXXX XXXX XXXX XXXX  with a {$0.00} balance. It shows as a closed account but Ive never had an open account with them. 

The second account listed is XXXX XXXX  XXXX XXXX which I believe those are the same just under a different name. And again no account established so it should not be reporting. It shows a {$0.00} balance and closed. This account was never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not open this account with this company please remove under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX $ XXXX There are multiple account on my account I did not authorize and need removed under the Subject : Dispute of Incorrect Information in Credit Report Dear Transunion I am writing to formally dispute certain information that I believe is inaccurate or incomplete in my credit report, specifically concerning the accounts listed above. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, as outlined in 15 USC 1681n and 15 USC 1681o.

Details of the Dispute : 1. Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : This information on reporting to my credit report is inaccurate. I have not had no contracts with these company 's and is requesting for this information to be deleted.

Reason for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, as outlined in 15 USC 1681n and 15 USC 1681o. I need this information deleted as this information is incorrect reporting to my report.

I request that you investigate the above-mentioned accounts and provide me with the results of your investigation. According to the FCRA, you are required to complete your investigation within 30 days of receiving this dispute.

Additionally, if the information is found to be inaccurate, I request that you take the necessary steps to correct or remove these items from my credit report.

Please send me a written confirmation of the results of your investigation and a copy of my updated credit report if any changes are made.

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

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

THESE ACCOUNTS ARE FRAUDULENT AND DON'T BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with this company and also communicated with them by mail on several attempt this is my final attempt before filing suit against them, They can not validate this so called debt, they are a third party debt collector and I have no contract with them, I requested from them to produce a contract between me and them and they only produced old statements. A statement is not a contact anyone can mail you statements from a delinquent debt and request you to pay them. A third party debt collector can purchase your debt but they can not purchase your information ( 15usc 1692b ) This company has violated my privacy and have harass and abused ( 15usc1692d ) my privacy with collection of this debt of the Fair Credit Reporting Act which you can see as an credit bureaus, I am requesting this be deleted from a credit file ASAP!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXXXXXX Account Number : XXXX Account name : XXXXXXXX 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 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX  credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection bureau.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 and Resolution E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$45000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
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 Account Number : XXXX Account Name : 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: Credit reporting or other personal consumer reports

Credit card is showing on my account that a court has issued a judgment in MY FAVOR. This account needs to be removed. The company stated in the last complaint it was removed but it is still showing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Checking or savings account

This complaint involves both a checking account and a savings account. I closed both accounts at Flagstar Bank ( XXXX, Indiana branch ) in person on XX/XX/year>. The bank repeatedly assured me that proof of account closures would be provided within 30 days, yet despite multiple follow-up calls, no written confirmation ( either by mail or email ) has been provided as of XX/XX/year>. The bank representatives have stalled and given conflicting answers. My primary concern is receiving formal, written confirmation of the closure of both accounts for my records and assurance of my privacy.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting or other personal consumer reports

I have provided various reported related to this account Of XXXX XXXX  being open fraudulently and have provided several FTC reports associated the reporting agencies have continued to fail to remove this account. I am writing to formally dispute the fraudulent credit card account that has been reported on my credit file. I recently reviewed my credit report and discovered an account that I did not open, authorize, or consent to. Under the Fair Credit Reporting Act ( FCRA ) and Identity Theft Laws, I am requesting the immediate removal of this fraudulent account from my credit report. I did not initiate this account, nor have I ever had any business relationship with the mentioned creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One and XXXX XXXX has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!
Product: Vehicle loan or lease

Back in XXXX of 2019 TFS sent me a letter stating I could get out of our lease early with no FEE 's and the last two months of the lease would be waved. Right after that I called and talked to a person at TFS to see if this was right. I was told that TFS was offering this do to the fact that dealers were in need of used cars. That the dealer was picking up the last two months lease payment and any FEE 's. So I sent TFS a letter accepting TFS offer. Then a year later I get a letter from TFS stating that I owed not only for two months of lease payment but TFS charged me for four months of lease payments and the FEE 's. At the time I request a full printout of the payment record of the lease. Knowing I was never behind and any months payment. After going over the printout I see that they had taken out over the lease two payment a month for a total four months from my auto payments from my bank. On the end of the lease I was over two months ahead in payments on my lease. I sent TFS a copy of the bank statements and the printout showing that there was an over payment. Got no reply at all from TFS. Even the dealer sent TFS a copy of their purchase agreement of the car from TFS showing that they covered the last two payments, FEE 's and paid TFS more than {$2000.00} more than the lease payoff. Under Wisconsin laws no money is owed to TFS
Product: Credit card

Some time around XXXX, my office manager applied for an American Express Centurion credit card for my company ( a corporation ). We have used this card for about 25 years, until XXXX of XXXX when my company was forced to declare bankruptcy and filed for XXXX XXXX Among the company 's creditors is American Express. 
Starting in late XXXX, I started receiving calls from someone named " XXXX '' ( he would not give a last name, nor address or email address ), claiming he was from American Express and claimed that I had personally guaranteed the AMEX card and AMEX wanted the balance of approximately {$25000.00} at once. XXXX directed me to the AMEX website where I would see that I was responsible for my corporation 's debts. Because the website was a generic agreement with no specific reference to me or even a website that i had reason to believe had the same requirements as when my office manager applied for the card 25 years ago. Therefore, I requested that XXXX provide me with documentation of the fact that I had guaranteed the card ( i.e., that I would be personally responsible for the balance if my corporation could not pay ), along with my signature agreeing to the conditions. After several additional and acrimonious calls, XXXX said I would receive some information, which arrived in the mail last week, although again, this was just a form. I need to see something that has my signature guaranteeing that I am responsible for any debts, regardless of the bankruptcy of my company ( the holder of the AMEX card ). 
I was advised by a third party to contact " AMEX Special Research '' ( see attached file ) and supplied with a fax number ; however, the fax would not go through, so I mailed the fax to a physical address, but so far, no response. 
I would like to resolve this issue because XXXX becomes more threatening with each call, to the point where it is becoming frightening.
Product: Bank account or service

I recently purchased a vehicle from a dealership in XXXX, KY. Even though I had financing approved through my credit union, the dealer talked me into going with a Capital One auto loan at a slightly lower interest rate. I asked the dealer if I would be able to make payments ahead of schedule and have them count toward future payments. I have always paid ahead on previous auto loans. Part of my income is on a commission basis and I want to be able to be a few months ahead on my payments as insurance against a slow month that could be caused by illness, or a lack of work. I was assured I would be able to do this with this loan. I received a welcome call from a Capital One representative and I was again assured by the Capital One rep that I would be able to pay a few months ahead on the loan. When the loan was set up and I attempted to make an extra payment I found additional payments only went toward the principal and would not count toward my future monthly payments. I protested this fact to Capital One and I received a phone call from a person in their corporate office telling me I could call them when I made a payment and they would credit it toward my next month 's payment. I attempted to do this, but the online site will not let me make a payment until my previous due date has passed. To me this is deceptive and gives me a course for failure. First of all, not being able to make a payment ahead increases the amount of interest they can collect from me. Putting additional payments only toward the principal and not toward future payments due is a course to failure. I could be the equivalent of several months ahead in payments, but if I am unable to make a full payment within a 30 day period, I could face possible repossession of the vehicle even though I am way ahead in my payments. I feel this practice is deceptive. It does not give me the option of paying months ahead on my loan and it seems like a purposeful ploy to get an extra chance to reposes the vehicle, even though payments are ahead of schedule ... Especially after I was verbally assured twice in the loan process I would be able to get ahead on my payments. 
XXXX XXXX
Product: Mortgage

XX/XX/XXXX Wilmington Savings Fund Society FSB XXXX foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  c/o XXXX Department In XXXX : Shellpoint Servicer/division of XXXX Loan No. XXXX Dear Lender : This demand is a formal notification pursuant to my documented call and the direction of XXXX, division of XXXX servicing this loan to notify the lender as to the predatory lending, imposed on this lending terms that were unfair and abusive. Also, the lender failed to disclose information or disclosed false information, high interest rates or fees and risk based pricing. The above loan terms and conditions are in dispute for the following : The above loan commenced on or about XX/XX/XXXX. The interest rate was initially set at XXXX % on the good faith estimate, which is attached for your perusal ( hereinafter as Exhibit A ). This rate was rescinded because the property was determined to be a condotel. Since this property was deemed a condotel, this rate increased to 7.3750 %. We have recently discovered and ascertained information that our property should not have been recognized as a XXXX as our XXXX maintains the allowable percentage to not be considered a condotel ( hereinafter attached as Exhibit B ). 

Since conception of the loan, we faithfully paid the amount each and every month. Due to the most recent occurrences of the hurricane XXXX and XXXX that hit XXXX, we have become XXXX of those being faced with catastrophic damages to our dwelling. We are hopeful that the insurance will make us whole as we request for the deferment at least for XXXX months. 

We are demanding the lender adjust the rate to where it should have been as quoted on the good faith estimate ( see Exhibit A ) back to the date of commencement of the loan which is on or about XX/XX/XXXX. 

This matter is of urgency, as such we are requesting an immediate reply on or before XX/XX/XXXX before pursuing CFPB and filing an injunction. Thank you for your consideration and your prompt attention is required. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and first class mail ( w/encl )
Product: Credit reporting or other personal consumer reports

Multiple hard inquires on my credit that are unauthorized and unknown. I put a fraud alert on my account. Reached out to credit bureaus to remove this information.
Product: Credit reporting

Equifax completed a dispute on XX/XX/XXXX, stating new information, this after the XXXX account ( closed ) for XXXX was re-inserted after it was removed in a previous dispute. Also. during such time the following un-authorized credit inquiries appeared on my credit report as follows : XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXXEQUIFAX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX - Dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have every one of my credit cards set up on automatic payment so that they are never late because I am trying to build my credit score back up. Since these were all on automatic payment I didn't pay as close attention to them as I do the ones I have to manually log in and pay every month. In XXXX however, I noticed when looking at my XXXX XXXX app that I had been charged a late fee. I didn't see how that was possible since it was coming out of my bank account at the same time every month. So I called XXXX XXXX and was informed that they didn't know why but the account had been taken off of auto pay. I have four cards on there, all on auto pay, I did not authorize it to be stopped. The lady said she could get it started back up, that she didn't know what had happened but once they reported it as late to the credit bureau they had no power to get it changed. She told me She would take the late fee charge off on their end, which she did, but I would need to dispute it with the credit bureau. ( Which I did ). I don't feel that I should be penalized with a bad mark on my credit for something that wasn't my fault. I would really like that derogatory mark taken off please. I am working hard to build my credit back up.
Product: Money transfer, virtual currency, or money service

According to Coinbase, on the XXXX of XX/XX/2021 at a transaction that XXXX XXXX  a transaction that I made did not go through, and I owe them a Balance of XXXX GBP. Coinbase states that if this balance is not settled within 5 Working days that this amount will be withdrawn automatically from my account. In the meantime all assets have been frozen. It has now been 6 working days and that amount has not been taken to settle this balance. 

When I first noticed this issue on the XXXX of XXXX I immediately tried to pay the balance off. Although, I have no clue why it was there in the first place. I used my XXXX Wallet on Coinbase, which has a balance of XXXX, so more than enough to settle the score. Coinbase says it is unable to process my payment and to try a different method. I have tried also using my XXXX  Wallet, XXXX Wallet, XXXX  Wallet, and every time Coinbase says it can not accept my payment. I contacted customer support on the XXXX of XXXX explaining the issue, to which they sent me a generic response at XXXX on XXXX XX/XX/2021. I immediately responded stating that they had not properly read my grievance, and sent them screenshots to illustrate the problem. They responded at XXXX stating that my Case ( # : XXXX ) was transfered to a specialist to help with the issue. It is one week later and I have not heard back. I have contacted them on the XXXX, XXXX, and today the XXXX of XXXX to no response via email. 
In between the XXXX of XXXX and today the XXXX of XXXX, I have gone on to Coinbase multiple times a day to try and make the payment, each time it does not work and gives me the same response " try a different payment method. '' During this period of my assets being frozen, I have been unable to buy or sell my assets, and have missed ample market opportunities.

I've also tried contacting Coinbase Support Team via XXXX today the XXXX of XX/XX/2021, to which they responded stating they have notified a 'Specialist ' to handle my case. 

This is unacceptable, and as far as i'm concerned, market manipulation.