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

Sent a wire on XXXX XXXX, 2017 to Coinbase for {$20000.00} to deposit into my account with them. The name on the check did not match with the name on the account at Coinbase so they sent an email saying that they were wiring the money back to the bank. I have the email, the wire transaction when it was sent and I have been emailing them every day and trying to call. No one answers the phone and I get a generic email back saying that they are overloaded and will contact me. It has been almost a month and still no response and no money sent back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have a Macy 's American Express card. A month ago I had a credit limit on my card of {$4000.00} with payments on time, and always more than the minimum and never late, also a month ago I made a payment to my account of {$500.00} and {$70.00}. After this they have decided to decrease my credit limit from XXXX to XXXX. They have even sent me a letter stating that my score according to XXXX  is XXXX when this is not true. I have never had such a bad score. It is the first time that this happens to me I have cards with higher limits and no bank has taken that attitude. With this, they have only damaged my credit and have looked for ways to charge me more interest with the aim of earning more money, leaving my account at the limit. This is very unfair.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with fraudulent unauthorized inquiries. Delete Fraudulent unauthorized inquires and also delete this fraud alert I don't want it on my credit report Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Vehicle loan or lease

i do not believe the debt that is reporting on my credit report is valid
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY XXXX REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

my employer paid me on Wednesday XXXX XXXX capital one bank has not released my funds they are saying they have a system glitch and cant give me a timeframe when i will receive my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting a XXXX  XXXX account ending in XXXX on my credit of which I have no knowledge of this account Portfolio Recovery needs to furnish full proof within 30 days that this account is mine and if no proof is given then by law under FCRA this needs to be removed from all three credit bureaus immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was stolen by a woman with similar name to mine, who worked in a dr 's office where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX  XXXX XXXX  XXXX, XXXX. 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX XXXX police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times Transunion, XXXX  and XXXX. Ultimately, I hired an attorney to assist me.
Product: Mortgage

Situation is : XXXX. I am buying another home to move my belongings and then sell my home. 
XXXX. I have about XXXX in equity in current house with EXCELLENT CREDIT, fully employed and assets XXXX in XXXX. 
XXXX. I contacted my current Mortgage company for last 9 years and requested to get equity line and it was stated on phone they could meet Closing date of XX/XX/XXXX. 
XXXX. I responded daily with any requirements with any information they required. 
XXXX. For the last XXXX days, they dragged feet and delayed process with daily minor issues they insisted to be resolved. ( as example a small credit card that is paid in full monthly had debt of {$430.00}. XXXX, which I then fully paid and provided them proof of payment even though not due till XXXX XXXX ) XXXX. I contacted everyone I could at Bank to escalate issue and try to expedite with no action all the way to XXXX XXXX level except they are looking into it. 
XXXX. I sold every investment I could to get liquid funds but still short by XXXX and another XXXX business day delay as of today
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 to present XXXX has failed to investigate XXXX XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. XXXX has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX which has been paid off and the receipt showing this has been attached. Lastly Equifax has failed to investigate XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. This is ridiculous and this need to be deleted as of now, because you have passed the timeframe allowed and no mail was returned back to me so I know that these disputes have been received. Please remove this inaccurate and unverified information from my credit profile immediately. I would hope that you would have more respect for the FCRA and not continue to be in violation of their guidelines. Attached are my disputes that were previously sent and proof of Identity. Please consider this my written authorization to investigate this matter. 

Thank You
Product: Credit reporting or other personal consumer reports

I have disputed items that have came back accurate and verified but never received proof with my signature or permission to report anything concerning my credit. 
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XX/XX/year> {$480.00} XXXX XXXX XX/XX/year> {$1000.00} XXXX XXXX XXXX XX/XX/year> {$2500.00}
Product: Credit reporting or other personal consumer reports

RE : Bankruptcy File Number : XXXX Dear Credit Reporting Agency : After reviewing my credit report I noticed that there is a U. S.

Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

Sincerely, XXXX XXXX
Product: Bank account or service

I have used PayPal several times without issue, mainly with my credit card as the form of payment. However, twice now ( out of a small number of transactions ) I have had a problem with a seller, resulting in no transaction completion, yet PayPal holds my money leaving it tied up for days/weeks/months. The common denominator is the use of a PayPal balance, rather than a credit card as the method of payment. They market this balance as online cash, yet when a transaction falls through, it operates like a black hole, unlike cash whatsoever. 

This is problem # 1 : false and misleading marketing Problem # 2 : While this is happening, PayPal is earning something called float in financial markets and likely are investing funds that are not theirs ( failed transaction ) in short-term financial instruments, keeping the gains for themselves. This is more serious and may violate banking laws. Even if they are not investing it, by holding a customer 's money when no transaction has occurred, they are depriving customers of usable funds without compensation. Since a customer ca n't spend their Paypal balance while it 's in limbo, a customer is forced to spend real cash ( fungibility of funding methods ) in its ' place, losing the time value of that money. Separately, I 'm checking with Federal consumer agencies to see if this breaks US banking laws. 

This just happened for the second time on XXXX XXXX ( 2016 ). I attempted to use my online PayPal balance to make a purchase for {$100.00}. PayPal is for all functional purposes an online bank in these transactions, and should be subject to related banking regulations. In this case, the merchant ( XXXX ) had a problem on their side, and we did n't connect live within 48 hours. As a result, XXXX informed me that they " cancelled '' the transaction. Having no goods/services for my {$100.00}, I expected my PayPal balance to reflect the cancellation quickly. It did n't. I finally got a XXXX rep with enough skills to get me the XXXX phone number and information. The information was that I needed to get PayPal support on the phone and conference in XXXX. XXXX confirmed on the phone, with me as a witness, that PayPal should release my funds back. The PayPal rep said that she could and would start the process when I hung up. Two days later, no funds released. I called tonight and the whole circular fire-drill was about to start at square one. To me this is : 1 ] Theft of float without compensation 2 ] False marketing of a financial instrument -- if a cash/electronic checking transaction is cancelled before completion, I 'd get my finds back very quickly, perhaps never see them gone at all. In this way, my PayPal balance is not like cash at all -- they can hold it for as long as they want even though it is " for the benefit of '' money, not theirs at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquires that Im requesting be remove from my credit report included is my FTC report with proof of my identity, inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not consent to any fraud alert me place on account!
Product: Vehicle loan or lease

dates : since i got the car in 2019. 
My payments and validation of debt is incorrect. the contract is not a contract it is a retail installment loan and there was a finance charge and the downpayment was not supposed to be charged as I did not get any cash value for the alleged contract. My car is a lemon, its been in and out of shop. the car was paid off and a couple times and the company is engaging in mail fraud, securities fraud, trust fraud and are over charging me for this car as my social security number provides the payment for the agreement with my signature and my dad 's as he was a co signer. I need a full accounting ledger on and off ledger. I need my car refund, and a replacement car as this is a a faulty good. they charged me for insurance, and the dealer rental cars and this car has caused me harm because it is not reliable. and their is something wrong with this one it has caused me to lose over XXXX in loss of income because the car is a lemon. I asked them to adjust the account, credit ] me back and apply all overages owed to me returned in form of a check.
Product: Credit reporting or other personal consumer reports

I was recently contacted from a representative at XXXX XX/XX/2024. 
I was told they were assigned my Obligation from XXXX. 
Because I wasnt aware of the assignment change, I then asked XXXX for the Master Promissory Note, and all accounting records. I didnt receive the accounting records, and the promissory note was missing information and signatures were copied and pasted. XX/XX/2024 I asked for the original Master Promissory Note, I didnt get a response. 

Then XX/XX/2024, after not hearing from XXXX. I received a billing statement, but instead of the billing statement coming to my original address, like all the others. It was sent to my Work address. I never put a request to change of address with XXXX. 

I then called XXXX to see why was my address changed, I was told they changed my address XX/XX/2024. When I asked who changed the address, I was told they use something called Skip Tracing. I Never changed my address with USPS. And my Employer doesnt release private information. 

Instead of sending me the documents I asked for, XXXX changed my address.
Product: Debt collection

ARS ACCOUNT RESOLUTION XX/XX/2018 {$100.00} I demand for this collection to be removed immediately from my credit Bureaus. If this is not removed within 30 day period and I demand a letter with the confirmation. I am going to sue the collection agency for {$10000.00} as my HIPAA Rights have been violated.
Product: Credit reporting or other personal consumer reports

Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report - Account # : XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies and inconsistencies I have identified on my Equifax credit report regarding the account identified above. Per the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax investigate and correct the following inaccuracies. The FCRA mandates that information reported on consumer credit reports must be accurate, verifiable, and timely. 

Inaccuracies and Discrepancies to Address : XXXX. Account Opening Date Discrepancy Reported Date Opened : XX/XX/XXXX Other Bureau Discrepancy : XXXX shows XX/XX/XXXX as the date opened. 
This discrepancy raises questions regarding the accuracy of this accounts initial reporting. [ FCRA Section 609 ( 15 U.S.C. 1681g ) ] provides me the right to dispute and request verification. 
2. High Credit Amount Inconsistency Equifax Reported High Credit : {$0.00} XXXX Reported High Credit : {$3700.00} This large discrepancy between the bureaus does not accurately reflect my account history and is misleading. [ FCRA Section 623 ( 15 U.S.C. 1681s-2 ) ] requires that furnishers of information, such as credit card companies, provide accurate data to credit reporting agencies. 
XXXX. Date Last Active Inconsistency Reported Date Last Active by Equifax : XX/XX/XXXX Discrepancy with Other Bureau : XXXX shows XX/XX/XXXX as the date last active. 
This discrepancy significantly affects the reports accuracy, and under [ FCRA Section 611 ( 15 U.S.C. 1681i ) ], I have the right to request correction of this inaccurate information. 
XXXX. Comment Discrepancies and Current Status The comment Consumer disputes- reinvestigation in progress and Amount in XXXX XXXXolumn is credit limit suggest an ongoing dispute. Additionally, the account status reflects Derogatory with a Collection/Chargeoff payment status. I would like verification and correction of these details if they are inaccurate, as required by [ FCRA Section 605 ( 15 U.S.C. 1681c ) ] regarding the reporting period and accuracy of derogatory items. 

I request that Equifax conduct a thorough investigation of these items, correct any inaccuracies, and update my credit report accordingly. Please send confirmation of these corrections or the investigations outcome to my address listed above. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/XXXX  XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XX/XX/ ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

XX/XX/XXXX  Re : Formal Complaint Against LVNV Funding LLC Dear Sir or Madam, I am submitting a formal complaint against LVNV Funding LLC due to their deceptive collection practices and violations of my rights under the FDCPA and FCRA. Last year, XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, contacted me regarding an alleged debt, which I immediately disputed via priority mail and email. However, they failed to respond or provide any evidence of the alleged debt. Despite their failure to validate the debt, I recently discovered that LVNV Funding LLC has persistently continued to report the invalidated collection on my credit, which is a direct violation of federal law. 

These actions constitute unlawful debt collection practices in violation of the FDCPA and the FCRA, and there is a history of complaints and lawsuits against these agencies for deceiving and abusing consumers like myself. I respectfully request that appropriate fines be imposed and the immediate removal of the invalidated collection from my credit reports. 

I have attached copies of my credit reports, the dispute letter, email, and USPS tracking proof to show that they received my dispute for your reference. Your assistance in safeguarding my rights under the law and preventing these individuals from causing further harm to consumers is greatly appreciated. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting

Last year, XXXX XXXX company sent me a reservation pre-approved card number to apply for, by asking me to provide my SSN and bank checking account number for processing which I did. Later to know that {$300.00} was taken from my XXXX XXXX checking account by XXXX Bank without my concern. I did n't receive any credit card from them or open an account with them so I quickly called on my Bank to dispute that payment and it was refunded. Now that I have received a credit card from XXXX XXXX Bank, just recently and I have realized that there were some XXXX inquiries that affected my credit score, when I traced the source it has been revealed that I have opened an account with XXXX and has been closed, which to me I did n't because XXXX did not issue any credit card to me with their credit limit, therefore, I am disputing those XXXX information because it is inappropriate and irrelevant to my credit report. I once again plea for a dispute for the removal of that credit report. Thanks for your kind consideration.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax and XXXX, and I noticed a late payments posted on my credit report : FIRST PREMIER for the month of XX/XX/XXXX - XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Mortgage

This complaint is in reference to a conventional home mortgage with Flagstar Bank : - Property Address is XXXX XXXX XXXX XXXX XXXX, WV XXXX - Loan number is XXXX - Payee is XXXX XXXX - Initial mortgage amount was {$510000.00} initiated in XX/XX/XXXX. 

I made a {$400000.00} payment to principle on this mortgage on XX/XX/XXXX via wire transfer from my account at XXXX XXXX As of today, XX/XX/XXXX, Flagstar Bank has not posted this payment. I have called them five or more times checking on when this will be posted and have not received a straight answer. Flagstar Bank representatives have indicated that they can see this payment in their pending files and that some department that is responsible for posting these payments will eventually get around to it. I want this payment posted immediately and to ensure that it is processed as a payment on XX/XX/XXXX for interest purposes.
Product: Debt collection

I have a debt collection on my credit report from Tempo for a balance of {$670.00} I send dispute letters to have it removed, but still no results at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes obviously not being investigated properly or with due diligence. If they were then the item would be removed as it should be. There is no explanation given as to the results in regards to who they called, talked too, and no justification to back their decision or investigation results. Its just a repetitive process with no communication or details given. This is a process that needs so much improvement. We have to provide documentation to back what we say up. They should do the same.. I have several accounts I cant get taken care of as a result.