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

On XX/XX/XXXX I attempted to purchase {$2000.00} in bitcoin from Coinbase inc. Their mobile app froze and i went to do it on a computer. Unknown to me they duplicated the transaction. So instead of {$2000.00} it was {$4000.00}. I contacted them to explain for which they told me tough luck. I contacted my bank to alert them and they took steps to stop the duplicate. However according to a support specialist at coin base, they decided to take {$2000.00} from me to cover that transaction. This makes no sense as my account went from {$4000.00} bitc coin to XXXX. Im not sure why they took the othetr {$2000.00} our and when I asked them where the money went nobody knows. So basically they stole money from my account and made is mysteriously disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor " Discover Bank section 6 o 2 : had violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Mortgage

On XX/XX/XXXXmy loan processor established a mortgage loan through Gateway Mortgage Group , LLC XXXX XXXX. Upon making my first payment I immediately noticed that I DID NOT get a receipt. On XX/XX/XXXX I contacted Gateway Mortgage and told them of my concerns regarding the lack of a receipt. The only correspondence I received from Gateway Mortgage when making a payment is an email stating that : " We are letting you know that an online payment has been scheduled on your account. '' NO payment amount or additional payment amount is displayed. XX/XX/XXXX I began corresponding via email with XXXX XXXX at Gateway Mortgage who stated " We do have plans in place to make improvements to the website and ask for patience in the meantime ''. In a later phone call from XXXX XXXX she stated that they were going to have this problem corrected with the next 6 months. TO DATE, THEY HAVE MADE NO ATTEMPT TO CORRECT THIS PROBLEM. Now comes a letter that I received today ( XX/XX/XXXX ) stating that Gateway Mortgage is going to start charging a FEE for on-line payments. This is TOTALLY unacceptable!!!!!
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

I recently viewed my credit report and noticed a XXXX XXXX Bank Self account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt do not belong to me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX  I received a copy of my credit report I noticed unauthorized accounts and inquires that were not initiated by me according to the FCRA, legally these unverified and unauthorized accounts must be deleted immediately as I am a victim of Identity theft I have already initiated an FTC report which I will attach here
Product: Mortgage

On around XX/XX/XXXX I was working through The Ohio State extension for XXXX XXXX XXXX, XXXX XXXX XXXX was ( is ) my mortgage provider. I sent chase documents after documents for a year..Finally I got awhole of XXXX XXXX XXXX out of XXXX Oh.Around XX/XX/XXXX, I was able to work thru them to help me with my mortgage. they brought my mortgage current, and payed the taxes XX/XX/XXXX.I payed off Chase Bank in XX/XX/XXXX. never heard anything more until around XX/XX/XXXX. Chase said I owed them {$1.00} cents when I checked one person said it was XXXX dollars. I had a lawer check into it. I sent him the paper work.while I was online again, all of my accounts but one would show up, which happen to be my mortgage.I could n't afford the lawyer so when I started checking for myself, I found out that around the same time XXXX XXXX XXXX payed my Taxes onXX/XX/XXXX chase payed my taxes onXX/XX/XXXX .was never notified by chase they payed. them. XX/XX/XXXX I contacted chase to se why my deed was n't sent to me. they put me on hold about 20 minutes and finally told me I owed them {$2700.00} I received statements that shows a balance of XXXX since I contacted them about the taxes after I talked to XXXX XXXX XXXX. now I get a statement showing that I owe them this amount.
Product: Debt collection

Someone got a hold of my XXXX XXXX Credit card credentials around XX/XX/XXXX. I have not used this credit card in a very long time. They maxed it out at {$1700.00}, opened a po box under my name and sent all the purchases and statements there. I didn't find out under the account was overdue and sold off to collections in XX/XX/XXXX. I've tried to dispute the amount with the collection agency but no luck.
Product: Credit reporting or other personal consumer reports

I am aware of all my rights that I have which are protected by The Congress under the fair Credit Reporting Act ( FRCA ). The list of accounts below Has violated my federally Protected consumer right to privacy And confidentiality under 15 USA 1681.15 USC 1681 section 602A states that I have a right to privacy. 15 USA 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. Delete this account immediately, unless you want to be held {$1000.00} per violation.The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are the mistakes that you had put on my credit report and I have no knowledge of them please remove them from my report.
Product: Checking or savings account

On XX/XX/XXXX my account was logged into by an unknown person. I received numerous messages that someone was attempting to log into my account and eventually that they had successfully logged in. They transferred money four different times using XXXX  for the amounts of {$300.00}, {$300.00}, {$300.00}, and {$100.00}. Later on XX/XX/XXXX my account was used again in an unauthorized purchase of about {$1100.00}. Fortunately the {$1100.00} was returned to me on XX/XX/XXXX as it had never fully processed. However, the money that was transferred via XXXX has not been refunded to me in over five months. I have disputed the charge over and over and have been shut down each time. Whenever I go in person to a Fifth Third location I am told that it was obvious I was hacked and my money should come back to me within thirty days. This has not happened yet as Fifth Third claims I was sent codes that I used to authorize the transfer on money via XXXX but I never was. I have tried explaining this many times but it seems like they dont care to listen, especially the disputes office.
Product: Credit reporting or other personal consumer reports

When I logged on to annualcreditreport.com. Its not letting me look at my credit report at all. Like they blocked me from looking at it.
Product: Money transfer, virtual currency, or money service

I attempted to purchase from an online retailer on XX/XX/XXXX who claimed to use XXXX as a means of payment, as it was most safe. After receiving a confirmation number and not being able to contact the seller I contacted PNC bank, where I made the transaction, after getting suspicious on approximately XX/XX/XXXX and inquired about how XXXX works and asked to cancel the transaction. I was told to let the payment go through then to file a dispute. On XX/XX/XXXX I received a letter dated XX/XX/XXXX, reference # XXXX saying the dispute has been resolved and was denied. I called to request more documentation on why it was denied and was told all XXXX disputes are denied because of the nature of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent a letter to XXXX, XXXX, and Equifax XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}.
Product: Debt collection

This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid
Product: Debt collection

upon checking my credit report I see a collection account with this company. I'm requesting a debt validation request! please read attached letter
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX XXXX XXXX for FCRA Violations I am filing this formal complaint against I Think Financial and the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and misleading information on my credit profile. 

The accounts in question are Account Number XXXX and XXXX, which currently shows a highest balance of {$3500.00} and {$26000.00}, each one, respectively, were last updated in XX/XX/year> with a status of Discharged through XXXX XXXX XXXX and Never Late. Despite this, the account remains on my credit report, negatively impacting my ability to secure financing for a vehicle or home. 

Violations of the FCRA & Consumer Laws : Incorrect Reporting of Balance ( FCRA 1681s-2 ) These account still reflects a balance of {$3500.00} and {$26000.00} despite being discharged in XXXX XXXX XXXX. Per FCRA and bankruptcy discharge laws, a XXXX account must report a {$0.00} balance. 
Obsolete Information ( FCRA 1681c ( a ) ( 1 ) ) Negative accounts can only remain for XXXX years from the Date of First Delinquency ( DOFD ). If this account exceeds that timeframe, it must be removed immediately. 
Failure to Report Accurate & Up-to-Date Information ( FCRA 1681e ( b ), 1681s-2 ( a ) ) The last update was in XX/XX/year>, which indicates failure to properly report the bankruptcy discharge status and correct the balance to {$0.00}. 
Misleading & Unverifiable Information ( FCRA 611, 1681i ) The account status states Never Late while still negatively impacting my credit report. This is misleading and violates the accuracy requirements under the FCRA. 
If the furnisher can not provide complete and verifiable proof of the accuracy of this reporting, the account must be deleted immediately. 

Sincerely, XXXX XXXX
Product: Bank account or service

Sold a pc of furniture on XXXX. Pnc bank told us funds could be used next day but we knew better so called to tell them we had to make sure check was good b4 we used the funds bcz we had to take shipping charge out then they told us check in " floating stage between banks so we waited a few days later then they said it was paid by usbank so we sent out money for shipping. Then next day check did not clear. We called to let them know that they had assured us it was ok and total chaos hit at that point. They advised us wrong took all our money except XXXX and now it 's on our credit report and bank info that we ca n't have checking acct. totally unfair!
Product: Money transfer, virtual currency, or money service

On XX/XX/ CashApp service goes down and when it came back up and I logged on my account was closed with a broad statement claiming I violated the terms and services agreement. However I had done nothing to warrant the closure or statement. Since then I have tried to appeal the closure and have been getting run around on getting my account opened. It wasn't until I filed a XXXX complaint on XX/XX/XXXX that I finally got some sort of motion with email contact from a representative. However it ended up just being a run around with the same ambiguous statement with no proof of me violating the terms and services agreement and that because they closed my account it can't be reopened. They are blatantly lying. The attached photos was the end result of the email communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I saw on my credit report that they have these XXXX account XXXX days late and those account have been placed on an income-driven repayment for XXXX months. Also they have never been late.
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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I kindly ask for experience to remove my negative impacted credit reports that I have disputed that I know were not properly investigated because if they were they would be removed by now. Using, FCRA ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g ) this will show that they did not fully investigate my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCA Fair Credit Reporting Act XXXX XXXXXXXX ( XX/XX/2023 ), XXXXXXXX XXXX  ( XX/XX/2023 ), XXXX ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I recently was reviewing my CitiCard account as I was laid off and looking to cut expenses and find payment assistance. When contacting CitiCard, they advised of a payment protection plan that I had and have been charged XXXX XXXX {$47.00} per month for since I got this card in 2012. I do not remember ever agreeing to this charge. I either need proof that I agreed to this charge, and I will accept my mistake, or I need to be refunded for these charges.
Product: Debt collection

EOS CCA is attempting to collect for XXXX XXXX I do not know. I have not received any documented letters from EOS CCA. I checked my credit and found out of this collection. They did not give by law my 30 day right to dispute, and they are in clear violation of the 30 day right to dispute law.
Product: Credit reporting or other personal consumer reports

I've made multiple attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These incorrect entries have significantly impacted my life, causing considerable stress and anxiety. It's important to emphasize that I never authorized or consented to having this information associated with my name, as I've been a victim of identity theft.
Product: Debt collection

This company tries to pass the blame off but under the fdcpa 15 usc 1692 was established to stop shady tactics the fair debt act also states that you are responsible for resolving desputes I have shown you that I never received a notice even bi your own records your state that you mailed a notice to a previous address of mine geniuses.. I have no family except my sons. So if you do not contact me in my location which is in violation of the debt act. Please remove your unlawfully debt my place of address was New York State prison ..and I have seen plenty of guys getting notices even sued while in prison your company is just using unlawful and in ethical tactics. Which your company has document records of doing so..you have a known history of using unlawful tactics. So much you had to create a protection fund for class action settlements please remove your unlawful debt I have neither time or patient for litagation you will not receive any money from me.. please remove this debt.. I provided u a disposition copy from the XXXX XXXX court stating I was in prison at the time of your purchase of this debt.. and yet you still try and pass this responsibility off to the credit reporting agency when its you making the illegal dispute .as I am sure no one took the time to do there jobs and search for me as it public record and the desposition of the court will show that I was in prison arrested on XX/XX/XXXX, XXXX my sensitive credit report is also private and I never allowed or shared any of it with portfolio recovery. That alone is illegal. Please remove this debt. Your choosing to ignore the disposition from the court I provided in report XXXX. And are trying to pass the responsibility off to the reporting agency when you are respomsible to follow the law
Product: Credit reporting 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX 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 a 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 Any other adverse item 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.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX