23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX Wells Fargo closed our Business savings Account with approximately {$2000.00} in it. The reason stated because we did not verify our physical address. They said they sent up a letter to this effect months ago ( we never received it ) So no further notice either my mail, email, or phone call they closed our account. They ate now closing the rest of our accounts today also even though the physical address we changed after this mess yesterday. They said they sent us a cashiers check with the money from the closed account to the unverified physical address they were complaining about. No check has been received. This was the most unprofessional act a bank could have ever done. We have been account holders since XXXX when they were the XXXX XXXX  not even Wells Fargo. We have run approximately {$500000.00} through our small business last year. We were not important enough for them to call us or notify us in a better manner that insured we had gotten the notice than this. This was just garbage. They should be held accountable for the lack of care shown to us and our money. We lost time and money to get this straightened out. Wells Fargo... make this right..Any one else reading this..DONT BANK WITH THEM. We changed banks yesterday. 
You are a joke... XXXX XXXX.
Product: Student loan

My school loan went into collections a few years ago, XXXX ( XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. I was also contacted numerous times by mail, phone and even my work place from ACSI ( Automated Collection Services , Inc ) which started about 2 months after XXXX contacted me. ACSI had NO accurate, up to date information on me, I had requested multiple times by phone, in writing for information on the loan they claimed to be collecting on-I never received any return calls or emails with this information. In XXXX XXXX I received a notice for wage garnishment from ACSI, I filled out the forms asking for a hearing, mailed back to them certified return receipt XX/XX/XXXX, they received it, but I have not received ANY updates or contact from them since. About a week after I sent the garnishment forms back a NEW collection agency-XXXX sent me a letter claiming to be collecting on the same exact loan as ACSI and threatening to take my federal tax return-again NO confirmation of the loan information. Both ACSI and Performant claim it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening. I have not heard from ACSI or XXXX regarding any collections processes since XXXX, I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year.
Product: Credit reporting, credit repair services, 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. 

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 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 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, 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.D
Product: Debt collection

I was never sent any initial written communication to be notified of this debt/ to dispute this debt. By law I am given 30 days to depute before a debt is assumed correct and that was never given. This was then reported on my credit without notice.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint regarding Coinbases handling of my cryptocurrency holdings, which I believe have been unfairly garnished without proper disclosure or justification. As a hard-working investor, I rely on clear and honest practices when managing my investments. Unfortunately, I have encountered significant issues with Coinbase that warrant investigation.

Specifically, I have noticed unexpected reductions in my holdings, which appear to be the result of hidden or undisclosed practices by Coinbase. These reductions have not been adequately explained, leaving me unable to fully understand or account for the loss of my investments. This lack of transparency and accountability has resulted in significant financial harm and undermines trust in the platform.

I believe these practices may violate consumer protection laws and compromise the fairness of financial transactions. I am requesting the CFPB to investigate Coinbases handling of customer holdings to determine whether they are operating in compliance with federal regulations. Additionally, I would like assistance in recovering the losses I have incurred due to Coinbases actions. 

Thank you for your time and attention to this matter. I hope this complaint will help address these issues and prevent other consumers from experiencing similar harm. 

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

I recently reviewed my Experian profile and found a hard inquiry from a "non-account" holding creditor named XXXX XXXX and XXXX XXXX XXXX on XX/XX/2018.I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.I wrote a letter to dispute the inquiry and requested proof from Experian & XXXX XXXX of authorization by me or delete from my Experian credit profile immediately! This hard inquiry is suppressing my credit score.I have attached images of the letter I sent XX/XX/2018
Product: Debt collection

On XX/XX/2024, an account was allegedly opened with Credit Collection Services for a {$320.00} debt reported by XXXX XXXXXXXX XXXX. I did not authorize any transaction or agreement with XXXX or Credit Collection Services. My information appears to have been sold or transferred without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1692g is a section of the Fair Debt Collection Practices Act 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1681b - Permissible purposes of consumer reports I discovered this fraudulent account in XX/XX/2024 when it was reported as a collection account. In response, I filed a police report and an FTC report regarding this fraudulent activity. I am requesting an immediate investigation and the removal of this account from my credit reports.
Product: Credit reporting or other personal consumer reports

On several occasions I have disputed the XXXX credit card account that appears erroneously on my Experian credit report without receiving an effective response to the request, and I even made an identity theft report that I also sent but it is noted by Experian, XXXX and XXXX that they did send it. not conducting an efficient investigation to determine that the account that appears on my XXXX card credit report does not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that this erroneous account that appears in EXPERIAN, XXXX AND XXXX be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous one shown in Experian, XXXX and XXXX. XXXX XXXX XXXX  Account number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX : Remove from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On my consumer report, Comenity Capital/Smile Generation is listed as a charged off account. This is illegal and should not be on there at all. I did not receive a 1099-C form from them for this debt, as I should be able to claim this on my taxes as income. Income is not to be reported on a consumer report. So why are they reporting this inaccurate information? I disputed it with them AND the three major reporting agencies ( XXXX, XXXX, XXXX ) and they ALL failed to accurately verify, investigate AND report this alleged debt. Why are they still furnishing third party entities with my private and confidential information without my consent? They are purposely providing inaccurate information to third parties and as such should be exposed for their failure to uphold consumer rights as stipulated within the Fair Credit Reporting Act and Fair Debt Collection Practices Act. This alleged debt needs to be deleted from all of my consumer reports immediately.
Product: Debt collection

Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX  is suing me for a past debt from 2014 after the statute of limitations have expired and is in violation of the Fair Debt Collection Practices Act. They are also suing me in a state in which I do not permanently live or where the original debt occurred. After several attempts via email and phone, I spoke with a representative from Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX  notifying her that I was not acknowledging or accepting the debt, but wanted to save us both some time and effort by settling the debt outside of court as stated in the notice that was received because it was the start of the pandemic and feared going out in public. The representative declined my offer to settle. 



Emailed on : XX/XX/XXXX XX/XX/XXXX Spoke with representative : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today at XXXX onXX/XX/XXXXI contacted Transunion the credit reporting agency to have these inquiries removed from my credit profile. However they refused to remove them. Being I was affected by there recent credit inquiry issue they did not notify me when adding them back to my credit report. I would like them to be removed being they illega added them to my credit report. Thank you
Product: Credit card or prepaid card

I've attached a letter that I sent to Barclay 's that describes in detail the event that initiated and perpetrated my FRAUD.I had made an initial request verbally of Barcley 's Aviator Red Card by calling their XXXX number to report the fraud to which they responded on XXXX XXXX declining my fraud request despite issuing me a WARNING TEXT ( attached ) XXXX XXXX at XXXX am, when all the fraud occurred, placing " A SECURITY HOLD '' on my card ( # XXXX ). They issued me a new card to avoid further fraud from occurring, but after my second request ( XXXX ) to remove {$1900.00} of fraudulent purchases they completely ignored my request, and continue to have me either pay the fraudulent purchase or charge me the exorbitant interest rates on the fraudulent purchase. 

PLEASE SEE THE ATTACHED DOCUMENTATION TO GET AN UNDERSTANDING OF EVENTS AND TIME LINE
Product: Credit reporting or other personal consumer reports

There is a Fraudulent Account on my credit report with XXXX XXXX XXXX
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 ( 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 proce 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 ( Block, Inc. ) due to inadequate customer service and unfair practices, 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 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: Vehicle loan or lease

I dont know the exact time frame but after I purchased the vehicle the dealership said I could refinance after 6 months to get a better price. Well I got denied not once but twice. I barely make the payments monthly. Its XXXX a month. So rn I am on a payment plan for XXXX a week. I just want my payments lowered and affordable And I just read that there is a lawsuit against them
Product: Credit card

Since XXXX  Synchrony bank retail accounts have been targeting my accounts by manipulation of my credit usage without cause. Using boiler plate reasons that existed when each of the accounts were approved and opened. Resulting in creating the issue that they cite for the reason of the reduction of credit lines. The reductions are arbitrary and are select to increase credit usage of over 90 % in attempts to justify their stated reason for the reduction. All the accounts have 100 % payment history since 2022. The latest account XXXX was not used for about 8 months charged {$170.00} with a {$1000.00} credit line and they just reduced the credit to {$200.00}. I was so incensed with this latest action that I immediately closed the account. Synchrony Banks actions in the last 3 months window of time has negatively affected my credit score by approximately XXXX points and with about XXXX lines of credit with 100 % payment history the only issue that has negatively affected my score has been the Synchrony Bank actions. They have affected my retail accounts with XXXX, XXXX, XXXX, XXXX XXXX XXXX, Synchrony XXXX XXXX XXXX XXXX accounts. They continue to target my accounts, their latest correspondence from my XXXX account reducing the credit limit to again create a 90 % credit usage. During that reduction my credit score increased by XXXX points which is an indication of their faulty reviews. In the past when they reviewed my accounts XXXX XXXX account did not affect a second XXXX account and now they are attacking all of my accounts again all with 100 % payment history. In researching Synchrony Bank in lieu of these issues, apparently Synchrony Bank has a history of approving account and 6 months later reducing the credit lines resulting in an artificial increased credit usage. It is a pattern that I am now experiencing. It seems apparent that Synchrony Bank does not want me to remain a customer and is not interested in addressing any possibility that an error has been made. If they believe a credit line reduction is warranted why not reduce it uniformly at a percentage based calculation based on the current credit line or why not reduce them all to a consistent amount? Why reduce one account, close others and keep others open. The actions point to targeting the customer with unfair practices resulting in financial cost.
Product: Credit reporting or other personal consumer reports

In account 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 XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX. XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX has violated my rights. I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

I have filed a dispute in regards to the incorrect items on my credit report. It has been 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday, XX/XX/XXXX, Transunion XXXX XXXX XXXX, at the behest of XXXX XXXX XXXX, and in turn screening on behalf XXXX XXXX XXXX, fraudulently claimed to have run a background, credit, and civil judgment check on myself ( XXXX XXXX XXXX ) and my roommate ( XXXX XXXX XXXX ). This background check could not possibly have actually been made, because the result they obtained, and published to me, included a civil judgment against mefor {$5000.00} by XXXX XXXX XXXX XXXX which no longer exists. Any search of XXXX XXXX Illinois court records would subsequent to XX/XX/XXXX would have fail to show this case. In an XXXX action, XXXX XXXX XXXX XXXX ordered that XXXX judgment vacated and the record sealed, which was reflected in the record shortly thereafter. My examinations of the records as of XX/XX/XXXX confirmed this, as did XXXX, a clerk in the Circuit Court records office in an in-person visit that day. The Cook County Clerk can confirm this to you, as well. Logically, therefore, the only way that Transunion, and thus XXXX, and in turn XXXX, could have displayed such a judgment is to have re-copied a report run some time previously. The credit check charge was {$130.00}, plus a {$400.00} administrative fee which I was told would be refunded " immediately '', but now am told may take up to a month. This fraudulently-represented non-report has been costing me more than {$240.00} per day in time lost from work combined with continuing temporary housing expense. They have defamed my character. Several properties would like to rent to me now, based on no criminal history and adequate credit scores, but can not until such time as this situation is rectified. Both XXXX and Transunion and XXXX have the documents from me proving that this {$5000.00} settlement no longer exists, but do not as yet have an end date to remedy this. But meanwhile, I am technically homeless, my XXXX XXXX job made difficult, and XXXX 's fragile health is threatened.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning the inaccurate reporting of information related to my account. Pursuant to the provisions outlined in 15 USC 1681s-2 ( b ) regarding the Responsibilities of furnishers of information to consumer reporting agencies, I wish to dispute the presence of inaccurate information on my credit report. 

The specific account in question is XXXX XXXX Account # XXXX. According to my recent investigation, it was found that this item was inaccuracy and deleted by XXXX XXXX and XXXX due to inaccuracies in the reporting. It has come to my attention that, despite this deletion, your agency continues to furnish this inaccurate account information on my credit report. 

Per the aforementioned statute, if an investigation reveals incompleteness or inaccuracies, the furnisher of information is obligated to notify the other credit reporting agencies. In this case, XXXX XXXX and XXXX has already taken corrective action by deleting the inaccurate account. However, it appears that your agency has not been notified or has not updated its records accordingly. 

I kindly request that you investigate this matter promptly, and take the necessary steps to delete the inaccurate account from my credit report. I believe that the continued reporting of this inaccurate information is a violation of the legal provisions outlined in 15 USC 1681s-2 ( b ), and I expect your agency to rectify this situation in compliance with the law.
Product: Credit card

Recently I received a credit card in the mail from Union Bank. I have my personal and business accounts with Union Bank. I never authorized nor requested a credit card. When I called them to say I wanted the account closed and requested they code it as opened in error, they told me the card was issued as a result of a recent merger. This makes no sense to me. This was not an offer to obtain a new card. This was a new credit card opened that showed up on my credit report and was not authorized. In light of the recent XXXX XXXX sales practice I am wondering if Union Bank is acting in a similar manner.
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8400.00} ; THE XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXXXX/XX/2023.