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

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate ; XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX - {$1900.00} XXXX XXXX XXXX XXXX - {$1300.00} XXXX XXXX XXXX XXXX - {$1000.00} XXXXXXXX XXXX - {$900.00} XXXXXXXX XXXX XXXX  - {$470.00} XXXX XXXX XXXX - {$300.00}
Product: Money transfer, virtual currency, or money service

Problem Narrative:

Using the LTC virtual currency address provided by Coinbase (XXXX) I transferred XXXX LTC virtual currency from an external exchange (XXXX) to Coinbase. Coinbase accepted the transfer on their web site and attempted to transfer to XXXX but the transfer stuck in the process. However, Coinbase states in their automated mail the coin WAS transferred, but the evidence below shows very clearly it has not cleared.

Here is the currency audit trail from XXXX  XXXX to Coinbase proving that Coinbase has the XXXX worth of LTC on their exchange:

Completed
2018-XX-XX XXXX
LTC
XXXX
Address: XXXX
Txid: XXXX 

Here is the mail Coinbase provided to me after they got the funds:

You just received
XXXX LTC
You just received XXXX LTC (worth $XXXX USD) from an external Litecoin account. It may take up to 6 network confirmations before your Litecoin is available to trade.

Checking the blockchain, the transaction obtains all confirmations.

Here is the notification they sent for the Coinbase XXXX  transfer:
(Also, note this is an internal process that Coinbase conducts, not the customer)

You just sent
XXXX LTC
Congratulations! You have successfully sent XXXX LTC (worth $XXXX  USD) to XXXX using Coinbase.
This withdrawal is being sent to an address ("XXXX") that you haven't previously used.



Upon verification of the funds, noticed they were in a PENDING state. Waited 24-hours with no response from support. Have emailed multiples times each day since with not response. They are not taking calls on their XXXX  number. No response from their XXXX XXXX account. I have also filed a BBB report and no response with that action. I hated to resort to this action, but unfortunately I have no other recourse to retrieve my funds.


Here is the transaction details for Coinbase transfer from their Coinbase wallet to XXXX  exchange:

deposit
XXXX XXXX - XXXX XXXX, 2018 UTC
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

XXXX XXXX  XXXX {$790.00} XXXXXXXX XXXX {$5500.00} XXXX XXXX XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/ 2021, consumer sent letter to Experian followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting

This account does not belong to me and I was unable to verify this debt. I sent a debt validation letter out to XXXX XXXX XXXX and was unable to reach them. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. My letter was 'returned to sender '. Please see attached photo of returned letter and address on credit file.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agencies .. Consumer Name : XXXX XXXX Consumer Social Security Number XXXX Consumer Date of Birth : XXXX .This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Debt collection

They are calling my relatives asking about my debt and requesting I call them back. They have no right to do this. Also, the company keeps calling and with different numbers over and over!!! Enough already ... I know I owe debt, give me a break ... stop with the calls and don't call my family!!!!
Product: Checking or savings account

I opened my account online yesterday ( XX/XX/2023 ) at approximately XXXX EST. I received an email at XXXX today ( XX/XX/2023 ) stating that my debit card had been activated, which it had not been sent to me yet. I tried to log into my account online and it kept telling me my information was incorrect. I called customer service and the first agent said they had to transfer me, so I was then sent to agent # 2. Agent # 2 said that I needed to speak to the fraud department and then transferred me there. The fraud department agent then told me there was nothing he could do after I stated to just close the account completely and told me that I needed to speak to customer service and hung up on me. I then called back again and spoke to customer service who told me that I needed to speak to the fraud department. When I requested to speak to a supervisor, they put me on hold and then came back to tell me that they can not transfer me to a supervisor because of some note on my account and that I needed to speak to the fraud department to even try and close my account!
Product: Debt collection

Dear XXXX of TransUnion In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX account with account # XXXX, has violated my rights. 

I believe that this information is inaccurate and does not belong on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that you investigate this matter and correct any errors. 

Please note that under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in a consumer 's credit report. I request that you investigate this matter and take the necessary steps to correct my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 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. 

Furthermore, I would like to request that you provide me with the following information. Under Section 611 of the FCRA, you are required to provide me with this information within XXXX days of receiving this letter. I would appreciate it if you could send me a written confirmation of the receipt of this letter, along with a timeline of when I can expect the corrections to be made. 

Thank you for your prompt attention to this matter. Sincerely, 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I sent a letter XX/XX/2024 XXXX and Transunion. Tracking numbers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureaus completed the investigation and stated the accounts were 100 % accurate and this is not true. 

According to the law 15 U.S code 1681a- Definitions rules of construction. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information, shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumers or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke to. 

How did they complete this investigation
Product: Mortgage

We have our loan being serviced through PNC. Bank - we set up an online account this week with PNC.com and input our checking account information so that we may be able to start making recurring principal only payments to the bank. We already have our mortgage set up to be paid monthly through our checking account and are current and never been late. There is NO option for us to submit a principal only payment and the servicer stated that the only way we could even attempt to do that is we have to set up a checking account with PNC ( which we do not want to do ) OR we have to mail in additional payments. On their website they do not even give an option for principal only if we were to set that up so they can easily apply that to additional interest which we do not want. Our loan came with having no prepayment penalty and we want PNC to offer the option of making principal only payments on their website to all customers without mandating we have to set up an account with them and without them applying a directed principal only payment to anything other than principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with XXXX, Experian, and XXXX, they still allow this company to destroy my credit by reporting unverified inaccurate information every month. This account is intentionally destroying my credit file. I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company ( XXXX ) destroy my credit worthiness by reporting inaccurate unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this complaint is to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Exeter FinancialCorp ( finance ) nor did they have my permission to use my information. I have also reached out asking that they remove the inquiry from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have THREE problems. 
( 1 ) I checked my credit again today, and a nonsense address CONTINUES to be listed. I contacted both EXPERIAN and XXXX XXXX XXXX and the incorrect address continues to be shown. That address is XXXX XXXX XXXX, XXXX, CA XXXX. That address doesn't exist. I've called and confirmed they are going to remove this and they don't do anything. They tell me they'll do it, and NOTHING. 
( 2 ) My credit card with XXXX through XXXX doesn't appear at all. I've had this card a long time. I don't understand why it doesn't show up on my credit report. 
( 3 ) They have an incorrect social security number last four of XXXX listed. That's not my SSN. 

I don't know how the banking industry can exist with these absolute fools and incompetents doing credit reports. Credit reports are important. Inaccurate, missing, and just plain XXXX XXXX does not help the banking industry. I want this stuff fixed and there's no way to speak to anyone at Experian or XXXX XXXX XXXX in any reasonable amount of time ( hours on hold ) AND you can't do it via email or mail - there's no addresses provided. These people make big money with this XXXX and there is NO SERVICE to help get corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on the list of potential identity theft victims in the latest Equifax hack. I became aware of this through social media, and was not contacted by Equifax directly. They became aware of the incident on XXXX XXXX, and I just became aware on XXXX XXXX. There is absolutely no reason we should not have been made aware of this considerably sooner, as now I ( and many others ) have to go back and make sure that my account information has not been compromised and no illegitimate accounts have been opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are fraudulent and were not authorized. I continue to dispute them with Equifax who is telling me that they are verified as true and they are neither verified nor true and I want them deleted! Hard inquires are as followed XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX I was in the custody of the XXXX XXXX XXXX. I was incarcerated in XXXX California. During this time, unknown persons tried to and have obtained credit using my information. An XXXX XXXX credit card was opened and a XXXX was purchased. I have already spoken to both companies, XXXX XXXX and XXXX regarding this and they are working with me to resolve the matter. When I was released from prison I filed a police report on XX/XX/XXXX after discovering the issue. I then proceeded to contact the 3 credit bureaus and sent in a letter explaining what had happened and to please assist me in removing these items from my credit report. I received a letter from Equifax stating they did an investigation and found the items to be mine, even after I sent them my police report, FTC report, and a copy of my intake and release documents from the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX Balanced {$4000.00} 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 XXXXXXXXXX/XX/XXXX