23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my Equifax credit report that I did n't authorize or recognized. These are the following hard inquiries 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 ) and XXXX XXXX GA XXXX XXXX XXXX. Also identify theft was played at fault in many of these unauthorized accounts.
Product: Money transfer, virtual currency, or money service

I notified the company Coinbase ( of which I am a customer and account holder ) that their system had charged my bank account for three withdrawals instead of one like I had initiated. I told them they were showing 3 pending withdrawals for the same amount so I believed it was a system error. I notified them through email on XX/XX/XXXX of the system error. They responded saying I needed to change my password and a few other standard questions they also said they were going to disable my account for 5 days while they reviewed it. It has now been 9 days and I have had no access to my money or the ability to transfer my funds out of the account or sell the bitcoin while it depreciates in value daily. the lower the value the less it will cost coinbase to fund the bitcoins that should be in my account as we speak. I ca n't even verify any of my funds. How is this company allowed to do this? I have emailed them 9 times since the first response ( once every day since they disabled my account ) I have received two automatic responses saying someone would respond soon. That is the entire support I have received from this company holding my assets.
Product: Checking or savings account

Items purchased on the website XXXX  was a scam. I made a {$100.00} payment with XXXX. I also was texted by the company that my order was recieved and processed. That number is ( XXXX ) XXXX. I also filed a complaint with the FTC. I contacted company by email and text an no response. I also contacted Chase and they will not help me. I have an email from the company that my order was being processed ; however, I did recieve another text asking for {$480.00} for XXXX stamps. Then I knew this was a scam. I did not send any additional money.
Product: Credit reporting

Since XXXX/XXXX/XXXX, someone has been trying to apply for credit cards in my name. 
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 assures me that they have sent 2 letters to Equifax to remove these fraudulent inquiries. XXXX has sent XXXX letter. XXXX is in the process of sending a letter. 
I have spoken to Equifax on several occasions requesting they remove these fraudulent inquiries from my report. I have filed a police report on the XXXX XXXX and XXXX inquiries. Equifax claims they have not received any letters from the credit card companies. They also claim they can not request copies of the police report. I put a 90 day hold on my account with Equifax at the same time as a XXXX hold. XXXX showed the hold, but apparently Equifax either did n't do it, or does n't care, because the XXXX inquiry should have never been allowed without my consent. 

Can you HELP?
Product: Debt collection

I have carefully reviewed my credit report and can confirm that this account was paid in full and should not be labeled as a charge-off. The payment history for this account reflects that it was settled and closed with a XXXX  balance. I was the victim and Im not sure why the CRA is not complying with the law. Therefore, I request that you investigate this matter and correct the inaccurate information on my credit report. I need this account to be updated as it was ruining my financial standing and staining my credit report due to its inaccurate reporting. 
XXXX XXXX XXXX XXXX  XXXX This account was never a charge-off. Account was paid in full. 
I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. The inaccuracies in reporting have adversely affected my credit score, and I believe that correcting this information is essential for an accurate representation of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I appreciate your prompt attention to this matter and request that you complete the investigation within the 30-day timeframe stipulated by the FCRA.
Product: Mortgage

Mortgage closed and paid off in XXXX. I asked Astoria Federal to remove the wording " Account Paid for Less than Full balance '' which is misleading and assumes a short sale. I 've asked them many times to remove the wording, a month ago there was still the wording and XXXX late payment reported. Since I asked for your help, the wording is removed but now they acted out by adding in XXXX late payments.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX # : XXXX I SENT A LETTER XX/XX/year> STATING THIS IS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME. I ASKED FOR YOU TO DO AN INVESTIGATION AND DELETE FRAUD ACCOUNT XXXX HAVE YOUR COMPANY RESPONSE I WILL ATTACH IN DOCUMENTS .THE LETTER IS ASKING ME FOR INFORMATION WHICH MEANS A PROPER INVESTIGATION TO VALIDATE ACCOUNT WAS NEVER DONE THIS ACCOUNT MUST BE DELETE IMMEDIATELY UNDER US CODE 1692e FALSE OR MISLEADING REPRESTATION
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX, IL XXXX ] [ Date ] [ CFPB ] [ CFPB ] [ XXXX XXXX XXXX XXXX ] [ Washington XXXX DC XXXX ] Subject : Dispute of Civil Liability for Negligence Non-Compliance Under XXXX XXXX XXXX XXXX  Dear [ CFPB or WHOM IT MAY CONCERN ], I am writing to formally dispute [ specific issue, such as inaccurate information on your credit report or failure to fulfill a legal obligation ] and bring attention to your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX XXXX 

Background Information : Date of Incident : [ XX/XX/year>, XXXX/XXXX/3024, XX/XX/year> ] Account/Reference Number : [ XXXX XXXX XXXX XXXX BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ] Description of Non-Compliance : [ 3rd Party debt XXXX not removed, failing to verify or correct information, not responding to a dispute. ] Violation of XXXX XXXX XXXX XXXX XXXX Under the provisions of XXXX XXXX XXXX XXXX, entities are liable for damages caused by their negligent failure to comply with the requirements of the FCRA. Your actions ( or inactions ) have caused me to suffer [ financial harm, loss of credit opportunities, emotional distress, wrongful repossession. ]. 

The FCRA requires that : XXXX. [ disputed information is thoroughly verified or updating inaccuracies immediately. ] Your failure to uphold these obligations constitutes negligence under the FCRA, as outlined in XXXX, and has directly resulted in harm to me. 

Resolution Requested : To resolve this matter, I request the following actions : 1. [ correcting inaccuracies, providing proof of compliance, compensating for damages, remove hurting accounts on report ] XXXX. [ PLEASE RESPOND WITHIN 14 DAYS. ] If this issue is not addressed promptly, I am prepared to pursue further legal action to ensure compliance with federal law and recover damages as provided under XXXX. 



I trust that you will take this matter seriously and rectify the situation promptly. Should you have any questions or require further details, please contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your immediate attention to this matter. 

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

I attended University XXXX XXXX  in XXXX and I was also apart of the military as well during that time. XXXX is reporting they disbursed loans to me in XXXX. How is that possible? The loans are false and not mine. They are reporting false information on my Experian and XXXX. I have sent identity theft report, method of verification letters, and still they will not comply with any law under the FCRA. This is not a duplicate message. This is factual and at this point I have no idea who to speak to, contact, or how much more proof do you guys need from me. How is a veteran owing student loans? When my whole mission for debt free schooling was to join the XXXX? Below I will prove the company doesn't disclose how they are performing their " research '' or why they are reporting false information. They do not have a physical signed document from me to even validate this debt belongs to me and it does not. So if you can't verify the information and answer the certified letters I have sent to you ; delete this debt.
Product: Money transfer, virtual currency, or money service

I paid for goods/services online and was scammed. CashApp will not refund the money that was sent.
Product: Credit card

I am a XXXX XXXX with no income. The salesman told me that they would offer me special financing that would be interest fee provided I made the fixed monthly payments on time. When I actually received the statement it showed an APR of 35.99 % but no indication of a promotional special financing plan. I called the store to ask about it and they said I didn't qualify and instead did the purchase without a promotion. They did not explain this to me at the store. I do not work and I have no income.
Product: Debt collection

I was sent an agreed judgement for biweekly payments of {$11.00} starting on XXXX the paperwork was not received till after the XXXX. When i contacted them to get a revised agreed judgement they insisted i sign the one that has a date that has already passed. I have since also received a letter saying i am now in default of said agreement. i contacted someone to explain that i will not sign something with a back date that shows i did not keep my end of the agreement and that i would need a revised agreed judgement with a future date and they advised that they will not do that. their practices are misleading and malicious. I told them i would start the payment in XXXX to allow them time to send me a revised agreed judgement with that date and that i would be happy to sign that. They will not do that. they are trying to make it appear that i am not willing to pay when i am but i will not sign a legal document showing i was supposed to make a payment on XXXX when the document was not received till after that time. i believe they intentionally sent it after the due date to they could continue to proceed against me legally and not honor the payment agreement that their website initially let me set up, auto deducted payment from my bank account and then automatically took off.
Product: Credit reporting or other personal consumer reports

Ive been trying to reach out to the creditors and Equifax regarding the inaccuracies on my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax today I am a victim of identity theft and an account has listed me as an authorized user last updated XX/XX/XXXX 1 year ago and I told them I was never an authorized user on this account and please update and remove this account from my file. The representative stated I must file another police report to have it deleted or blocked from showing on my report. I explained to her that is not correct and the I had contacted the police department and they stated that I do no have to file another report with them. 

The account is a XXXX XXXX  XXXX XXXX  that has been closed by the account owner. 
I was never an authorized user. 

I provided Equifax the FTC affidavit and Police report in XXXX and XXXX. When speaking with the representatives they tell me that they see it and then I will get another representative that will say they only see the affidavit when both were sent in together. which on my report I also mentioned I was a victim of the Equifax breech as will.
Product: Payday loan, title loan, or personal loan

I took out a personal loan with this company Avant.This loan was a 36 month loan. On XX/XX/2018 I paid this loan off. Avant sent me a payoff notice. I was checking my credit report and Avant was reporting to all the three credit report agencies I still owe a payment reporting the month of XXXX. I contacted XXXX and disputed the information and told them this account has been paid in full. Avant has responded and they closers my account affecting my credit. They should have just reported that this account was paid in full. I made all of my payment They should let me report if I wanted this account close I feel they just tryed to mistreat me by reporting this
Product: Checking or savings account

My direct deposit is usually available at XXXX on XXXX. I have not received my payroll direct deposit in almost XXXX hours. Capital one 360 has basically failed to allow access to my own income.
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, in which violate the Consumer 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 deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ), Regulation E. These actions have caused inconvenience and financial loss and i seek compensation for these violations.
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX  XXXX around XX/XX/XXXX  and I received an Zelle payment that was sent but never reached my account and Zelle stated that the payment was waiting to get returned back to the individual that sent the payment but the currency never went back to the account. Ive tried to contact the company several times but they were not able to give me an case #
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, The debt collector failed to verify the debt in writing to me. also using the suite process they have contacted me and left voice mails. Debt collectors cant call or contact you until they verify the debt in writing to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Transunion, and XXXX XXXX numerous time. The dispute from XX/XX/XXXX is still open. I am only allowed to add supporting documents to the open dispute. XXXX has updated my late payment for XXXX XXXX account. However, XXXX, transunion, and XXXX XXXX has not made any changes. I have sent in the forgiveness letter including supporting documentations. I have inform XXXX, Transunion, and XXXX XXXX. 

According to 15 USC 1681s-2 ( f ), during the covered period, which encompasses the time frame directly affected by the Covid-19 pandemic, furnishers of information are required to make accommodations regarding the reporting of late payments. These accommodations are intended to provide leniency and flexibility to individuals facing financial difficulties resulting from the pandemic. 

Covid 19 was declared on XX/XX/XXXX. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. Therefore, this clause is still applicable until XX/XX/XXXX. 

In section ( bb ) under covered period, 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

After calling and calling and sending in letters to accommodate my situation under the Covid 19 covered period. XXXX, Transunion, and XXXX XXXX have yet to remove the Late payment for XX/XX/XXXX. These are not following the law. 

I kindly request that you investigate this matter and ensure that the reporting of late payment ( s ) during the covered period on my account is accurate and in compliance with the accommodations outlined in 15 USC 1681s-2 ( f ). I request that you contact the creditor, XXXX XXXX, and initiate an investigation into the reported late payment ( s ) during the covered period. XXXX XXXX have verbally stated they will not forgive my late payment under the covered period. This is against the law.
Product: Credit card

I am following my old complaint # XXXX which is closed now. So I created a new one. 

I want to close an account ( # XXXX ) that was fraudulently opened without my permission in the USAA bank in XXXX. I know that USAA Bank has already declined my request because of a lack of evidence of bank error. 

Also, I want the USSA bank to provide me with what kind of evidence the bank has that I personally opened this account. 

Also, I want the USAA bank to provide me with information about what type of document the bank accepted as proof of address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) for opening an account # XXXX thief provided. If it's possible I'd like to receive this document I am asking the USAA to provide me with this information because from XX/XX/XXXX to XX/XX/XXXX I wasn't in the USA at all. That means that in XXXX when account # XXXX was opened I could not be legally in the US at this period of time and I could not provide any legal US documents to open this account. That's why I'm sure that the document " Proof of address '' that the thief provided ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to open this account was fake. 

So I am asking to answer these questions : - How did the thief open this account with fake documents? 
- How did the USSA bank accept this fake document in XXXX ( when I wasn't in the US and didn't have any legal status to live here since XXXX ) - Why the USAA bank doesn't want to close this fraudulent account without any evidence that I've personally opened it - Why the USAA bank doesn't request evidence from me that I am not liable for this account? I can provide scans of all the pages of my old and new international passports with a XXXX XXXX I had in XXXX ( when I received my SSN ) that expired in XX/XX/XXXX, and other traveling history in XXXX till XXXX when I again came back to the US with a new legal status to live in the XXXX for UXXXX  XXXX XXXX XXXX. Just let me know where I can send it. 

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

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

My mother took out a reverse mortgage for about {$110000.00} in XXXX on her residence in Florida from Financial Freedom, now a division of CTI bank. She had to be moved out in XXXX XXXX and is now in a XXXX with XXXX. Leaving the home triggered the foreclosure process. The balance on the loan is more than the house is worth today. We tried to do a deed in lieu of foreclosure with Financial Freedom which was denied. We tried to do a short sale, listing the home with a realtor, and received an offer for {$69000.00} after lowering the price to that after 5 weeks. I sent in the paperwork and Financial Freedom came back saying the house is worth {$110000.00}. As instructed by the lender, we rebutted, providing XXXX local comps at around {$70000.00}. They rejected the rebuttal and asked if the buyer could make up the difference. The buyer withdrew the offer, and the realtor said they wo n't list it for more than {$69000.00} because that is what house is worth.