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

I have a Coinbase account and on XXXX XXXX my funds for {$20000.00} disappeared from my account without my authorization. I contacted Coinbase right away and they responded stating that I gave someone my recover phrases, which was not true, in fact my account was thumbprint protected. I did sign up for a mining pool, but even then I never shared my recover phrases or my password. I never willingly gave anyone access to my account with Coinbase. If signing up for that mining pool gave someone access to my account I dont understand why Coinbase didnt notify me while I was signing up for the mining pool that doing so would allow others access to my account. If they would have then I would not have signed up the mining pool. I found out after the fact that I was scammed by the mining pool and lost all my funds with Coinbase by going to XXXX and learning that others had also been scammed as well out of their Coinbase funds. Coinbase advertises they are obsessed with security so you dont have to be, so how did they allow this to happen to my Coinbase account without once notifying me that my account had been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent investigation of Acct Number # XXXX Creditor : XXXXXXXX XXXX XXXXXXXX did not remove the unverified negative account from my credit report, reporting in collections. 

Under the FCRA Equifax, XXXX and XXXX are required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of their investigation they did not send me provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXXXXXX XXXX XXXX letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 

XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. 

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
Product: Credit reporting or other personal consumer reports

FCRA Violations Section 1681i ( a ) ( 1 ) ( A ) - Duty to Investigate Disputed Information I am filing this complaint against Transunion for failing to comply with the Fair Credit Reporting Act ( FCRA ) in response to my recent dispute regarding inaccuracies in my credit report. I submitted a dispute over 65 days ago concerning several discrepancies in the reporting of a account, and Transunion has not made any corrections. I believe Transunion has violated multiple FCRA provisions, including the duty to investigate, correct inaccuracies, and communicate the results of their investigation in a timely manner. 

Account In Question ( Creditor Name : XXXX XXXX  Account Number : XXXX ) ( Creditor Name : Lead Bank Account Number : XXXX ) The following are FCRA VIOLATIONS that Transunion is committing Section 1681i ( a ) ( 5 ) - Duty to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information Section 1681i ( a ) ( 6 ) - Notice of Results of Reinvestigation Section 1681i ( a ) ( 1 ) ( A ) - Duty to Investigate Disputed Information
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXXXXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is currently reporting a collection account to my XXXX   credit file. There are two problems with this, they are first violating my privacy reporting this collection account is a HIPPA violation and secondly I live in Tennessee. Tennessee requires all collection agencies to be licensed and bonded. Franklin Collection is no longer licensed in Tennessee therefore they are unable to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, after the Cares Act was passed, I call Navient to inquire how this impacted my student loans. Their representative informed me that nothing was required on my end, that the Cares Act automatically put my student loans into forbearance ( I could be wrong about the term ), and that no further action was required. In XXXX, I logged into my Navient account and, to my surprise, my loans were showing past due. I called Navient to find out why this is and was told that my type of student loans weren't covered under the Cares Act. Now, first of all, I had no idea there were different types of student loans. Secondly, why was I not told this in XXXX. Now, not only do I have an account that is extremely past due, but they've reported me to the credit bureau and my credit score has dropped dramatically. I tried to speak to Navient about this and they were far less than helpful, so I filed a dispute with the 3 credit agencies ( XXXX, XXXX, and XXXX  ). They asked Navient and, apparently, Navient refused to change it. One thing to note, I immediately paid the balance once I learned the accounts were overdue. 

To summarize 1. I had no idea that my student loan was any different than any other student loan 2. The Navient rep had informed me that no further action was required I'll also add, I would think that some form of communication would be called for when an account was this late. Yet, I never had one call from Navient.
Product: Credit card or prepaid card

My wife and I purchased 2 international round trip airline tickets, to go on a cruise for our honeymoon. the airline stranded us in XXXX for over 24hrs, we took a different airline to get to and from, they also caused us to miss multiple days of our honeymoon. an overall awful experience. and the only thing that makes it worse is Chase Card services telling me the {$2400.00} charge for airline tickets we did not use ( due to XXXX XXXX rescheduling our flight ) is valid ... I've never been so disappointed with Chase in my life. Please help. 

Sincerely a 12 year customer of theirs.
Product: Debt collection

Dear : CFPB I received a letter recently from OMG, LLC. ( Orions Management Group ), stating I owe a current balance of {$7600.00}. When inquiring about the debt, I was informed it was an outstanding debt from XXXX XXXX XXXX. I have banked with XXXX XXXX XXXX for fourteen plus years, including both a mortgage loan and deposit accounts. To my knowledge, I have never received any correspondence regarding an unpaid credit card balance with this institution. Furthermore, I spoke with XXXX XXXX XXXX representatives who were also unable to provide information regarding the debt. I also reviewed my credit report and verified that this debt is not listed as outstanding. I requested documentation from OMG, LLC., to provide evidence for the debt. I was supplied statements from XXXX that show a balance due ; however, none of the documents provide information pertaining to the original purchase ( s ). These statements provided do not appear to match any known debt with XXXX XXXX XXXX. I believe that I am a victim of identity theft and that the reported charges are a result thereof. The debt collector is calling and harassing my family, threatening to take legal action, and indicating if I settle by XX/XX/XXXX, I will only owe {$3000.00}. However, if I am unwilling to settle for this amount, they will take legal action and require I pay the full amount of {$7600.00} plus legal feels. They have claimed they have recordings of me from a year ago, agreeing to pay the debt. When I requested to hear these recordings, I was advised that they may not actually have them. I believe the threat of a false recording is being used to coerce payment for a debt to which I am not obligated. The debt collection practices are abusive in that they are threatening me and my family members. Additionally, the collection practices are deemed unfair as the company can show no evidence that the debt incurred is mine. I believe the intent to coerce payment from me is deceptive as the company is claiming they have recordings with me acknowledging the debt. Out of fear, I have taken time off work to try and validate this debt. I have lost sleep as I am afraid this company will take me to court for a debt I have not incurred. During this time, I have gone on-line and verified several complaints of similar abusive behavior. I am very afraid of what this can do to me both personally and financially. I am hoping that you can assist me and other victims like me. I have listed some examples of these victims I am speaking about below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. Despite submitting FTC Report # XXXX, these items remain unresolved. Upon reviewing my records, I noticed that several items I requested to be removed are still present on my credit report. I have discovered that under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove items found to be inaccurate or erroneous. The disputed items are unfamiliar to me. I am attaching the necessary FTC Report for your reference. Please remove these items : XXXX. XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX. XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$4500.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. Please remove the disputed items, as they were opened without my consent or knowledge, in accordance with Section 605B of the FCRA.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

Date Opened : XX/XX/2022 Defamation Of Character Defamation is the act of harming a person 's reputation through the use of words. When defaming words are in writing this is known as libel defamation. 

1. Publication of information is required 2. The person being defamed was identified by the statement 3. The remarks had a negative impact on the person 's reputation 4. The published information is demonstrably false This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data for the account opened XX/XX/2022.
Product: Credit reporting

I have previously disputed this account with Trans-Union. I have documents to porvce that information reported by XXXX should be removed immediately. 
I have enclosed a letter from XXXX stating this should be removed
Product: Checking or savings account

On XXXX, I executed a mobile deposit of {$19000.00}. Bank of America accepted the deposit, then put a hold on the account stating the funds would be released by XX/XX/XXXX at XXXX. 

On XXXX, I called Bank of America and asked why the hold was placed because the last deposit I made from the same company, of over {$13000.00} was processed without any hold. The representative stated that there was nothing I could do and could not provide any details of why the hold was placed. 

I learned on XX/XX/XXXX that the check I deposited had been debited from the source account on XXXX. I called Bank of America and demanded that the hold be released. The representative, wanted me to accept a disclosure that stated a lot of requirements that I would be liable for in order to get access to my funds. I declined the disclosure. 

I have had an account with Bank of America for over 30 years and never had problems with a deposit. Further, the prior deposit from the same company did not result in a hold. While I understand that a hold can be placed, but the hold should have been automatically removed on XXXX when the funds were transferred to Bank of America from the source bank.
Product: Vehicle loan or lease

When my lease was signed for my XXXXXXXX Polestar XXXX XXXX XXXX XXXX XXXX XXXX XXXX Polestar XXXX XXXX XXXX  of the lease states Polestar Is responsible for my maintenance and operational costs. 

In XX/XX/2022 I got a flat tire in XXXX XXXX  I then contacted Polestar Roadside assistance to have my car towed to the Polestar dealership in XXXX to get my tire fixed. Upon my car 's arrival at the dealership, the maintenance supervisor advised me I needed to contact Polestar Financial to get the authorization for payout in order to get my new tire installed.

I then called Polestar Financial and after multiple transfers and supervisors, I was told by the polestar management they would not honor what was agreed to and signed in the auto lease. It's been almost 2 months since I was told they would get back to me with a resolution and every time I call the supervisor just advises me they will call me in 1-2 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Entered into a agreement for legal services with Matthew R. Wildermuth to modify a mortgage agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX Received notice of foreclosure sale set for XXXX XXXX, XXXX from XXXX XXXX XXXX. 

Received termination of representation for mortgage loan restructure on XXXX XXXX, XXXX
Product: Debt collection

I am writing regarding a concerning matter I have noticed on my credit file. There appears to be a collection entry from your agency, which I was not previously aware of. Additionally, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of this debt. I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXXI placed a fraud alert on my credit report. On XXXX   it shows my statement as a fraud alert. On Equifax it shows my statement as ... if not verified then I demand it be deleted. I filed a dispute with Equifax on XX/XX/18 saying please remove any statements on my report because I no longer need it. The only statement I want on my report is the fraud alert.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I am a victim of identity theft and I am trying to correct the inaccurate, incorrect and misused information on my profile multiple times, And this company is refusing to fix and claim its verified with no proof.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3200.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$16000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

I sent it two payments on XX/XX/year> of {$100.00}. As of today XX/XX/year>, the payments have not applied to my account, they took the payments and they do not show up on my card as credited to my account.
Product: Checking or savings account

NFCU needs to credit my account as I called XXXX to get this done but now I am tryin to ensure it gets done I need a credit {$50.00} for the past months since XXXX wich equals {$300.00}. 

I CLOSED the account with XXXX XXXX XXXX  in XXXX.I come to find out though I STOP and deleted my account info from their site. XXXX filed a complaint with merchant on XXXX. For whatever reason it was done So now I want to ensure the merchant REVOKED from accessing my account and I have request a letter of closure and never received and need this. This act is fraudulent as the merchant refused to dispute an item in which was valid. 

As I close the account they refuse to investigate and I chose to not d business with them which is valid based on these mentioned issues
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXXXXXX, and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports