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

To whom it may concern : I am referred to your office by SEC counsel office in regards to scam done by XXXX through Coinbase Wallet . 
I invested {$40000.00} to buy USDT ( XXXX ) using Coinbase app and Coinbase Wallet app that XXXX XXXX urged me. She also gave me the XXXX XXXXXXXX link ( XXXX ) run by XXXX who run XXXX XXXX In the beginning andd through XXXX XXXX my funds grew to XXXX USDT and XXXX told me that I was a lucky user picked to receive higher yield interest along with XXXX ( Ethereum ) from XX/XX/XXXX through XX/XX/XXXX by which XXXX would return all my funds back along with reward which never happened. They asked me to add 76000USDT in my Coinbase Wallet during what they called contract period to which I never agreed to pledge additional funds let alone to authorize XXXX to authorize taking money from my Coinbase Wallet XXXX On XX/XX/XXXX, I was shocked that all my XXXX USDT was taken without my consent. Furthermore, customer service at XXXX said all my USDT would be returned in XX/XX/XXXX which never happened. Customer Service at XXXX said I had to request to withdraw all my funds which I did and they would return all my funds within 24 hours which they never did. After requesting them to return my funds the Customer Service said I had to add XXXX USDT to Coinbase Wallet for me to unfreeze the funds which I refused since I have become suspicious. Finally XXXX customer service threatened to freeze my funds indefinitely. I have tried to contact Coinbase customer service but they said nothing they can do to help. I am not the only one who becomes victim of this scam. Please refer to the following link of other victims ; XXXX XXXX XXXXXXXX Even though I have reported the digital wallet that stole my USDT, Coinbase cant do anything. 
My Coinbase Wallet address : XXXX The wallet address that took my funds : XXXX I am hoping that you can help me and other victims to recover the funds due to the fact that Coinbase app is not secure at all and the scammer by XXXX who stole many Coinbase Wallet users. 
Thanks in advance for the opportunity to file this document to you. 

Respectfully yours XXXX XXXX XXXX AIA XXXX XXXX
Product: Credit reporting or other personal consumer reports

It was paid XX/XX/XXXX and ck said they dont even have payment
Product: Debt collection

IN RESPONSE TO CFPB : XXXX Legal Department XX/XX/XXXX To whom it may concern : As per my credit report, ADVANCED COLLECTION BUREAU obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with XXXX XXXX. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via CFPB to Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Paypal credit. Synchrony bank closed my account in XX/XX/2020, I had disputed over XXXX  Dollars of unauthorized charges and they never responded nor removed them, and continue to charge interest on them, Ive called several times only to be put on hold and transferred to fraud team who never picked up and after 20-30 minutes kept hanging up or disconnecting call.
Product: Money transfer, virtual currency, or money service

Company : Coinbase ; Issue : Randomly put my account under review. I've been a customer since 2018. Despite providing copy of Driver License, and confirming SSN and employment details, Coinbase has not given back access to MY money which is in excess of $ XXXX. Further, there is no clarity on WHY the account is in review and WHEN will I get back access to MY money. I have contacted the company on multiple occasions, to no avail. 

I need help to access my assets so that I can transfer to another entity and close this account. 

What a nightmare!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car from XXXX XXXX Audi of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX/Audi input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay VW/Audi was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted VW/Audi on multiple occasions but they were never able to fix the issue. 

In XXXX of XXXX I realized that VW/Audi Financial were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to VW/Audi Financial via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to VW/Audi Finance, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

VW/Audi Finance 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from XXXX to the XXXX range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your help!
Product: Credit card or prepaid card

I recently received mail from Wells Fargo stating that I owe a balance of {$2000.00} and my amount past due is {$530.00}. I want to dispute this claim because Ive been out of state for over a year and I also have a letter from a former employer stating that my personal information has been compromised, I also dont live at that address that they have on file as well so I want to dispute the fees that they are stating in the letter that I received. I havent use my card in almost a year. As I mentioned, my personal information was compromise, and I believe somebody has been using my credit cards, which is fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

I applied for and was approved for a personal loan in approximately XX/XX/2004. I received the money, paid off some credit cards and other bills and started making payments on the loan. Right around that time my father died, several months after his death, I received a small amount of life insurance from his death that my mother had given me. With that money I paid off this debt. I do not have any records as this was approximately 14 years ago. I have never been contacted by any collection company about this debt until now, 15 years later.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report back on XX/XX/2024, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking several Federal laws.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report : 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.

I also asked them to provide me with a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors : 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 U.S.P.S. Tracking # XXXX Experian To Whom It May Concern : Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611.

Please be advised that Experian, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute.

Your lack of immediate response clearly violates my rights according to 605B. 
I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. 
Transunion has deleted the reported information, and blocked the reporting of these from my current report. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and XXXXurnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). 
Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with FACTA regulations. 
The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action.

I appreciate your prompt attention to this matter Sincere regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX/XXXX XXXX XXXX # XXXX AMOUNT {$0.00}
Product: Mortgage

On XX/XX/year> XXXX XXXX XXXX informed me by mail of their intention to foreclose on my property in the amount of {$89000.00}. I was informed that I had until XX/XX/year> to dispute the debt or the would assume that their information is correct. On XX/XX/year> I hand delivered my DEBT VALIDATION LETTER to XXXX XXXX XXXX XXXXXXXX for SELECT PORTFOLIO SERVICING as SERVICER for XXXX XXXX XXXX XXXX as Trustee in Trust for registered holders of XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX disregarded my validation request and proceeded to send me a summons to court before I had the opportunity to receive the DEBT VALIDATION INFORMATION that was requested and was never produced.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX on Experian shows as 30 days past due and on XXXX as 60 days past due. In XX/XX/XXXX, Experian shows as 60 days past due and on XXXX it shows as 90 days past due. In XXXX of XXXX Experian is reporting me as 90 days past due and In XXXX of XXXX XXXX XXXX  is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to XXXX. On XXXX in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and XXXX XXXX is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) Dear XXXX Customer Service, I am writing to notify you that I am a victim of identity theft as a result of the XXXX XXXX breach. My personal information has been used without my authorization, and fraudulent accounts and credit inquiries have been reported on my credit file. I am requesting that you block and delete these fraudulent entries from my credit report pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
The fraudulent entries I have identified are as follows : Fraudulent Accounts : 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 XXXXXX/XX/XXXX Please take immediate action to : Identify and block and delete fraudulent accounts : Any accounts or inquiries related to unauthorized activity must be flagged and removed from my credit file.

Provide confirmation : After processing, I request written confirmation that all fraudulent information has been blocked and deleted from my report.

To assist with your investigation, I have included the following documentation : A copy of my government-issued ID A utility bill or bank statement for proof of address A copy of a police report or an FTC Identity Theft Report Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : XXXX. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency. 
XXXX. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within XXXX ( XXXX ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
Thank you for your prompt attention to this matter. If you need any additional information, please contact me directly at the contact information above. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill
Product: Payday loan

I am working with a credit counseling service to deal with my debt issues. The company, Green Pine Lending, is calling before XXXX local time and is also harassing friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus Equifax, XXXX and XXXX to no avail. I have even sent them a copy of my identity theft reports but they refuse to investigate. 

Even if there was no identity theft, the information is still inaccurate across the bureaus. 

XXXX XXXX XXXX High Balance : Date of Last Activity : Date Opened : Balance Owed : Closed Date : Last Payment : XXXX XXXX XXXX Date of Last Activity : Closed Date : Balance Owed :
Product: Student loan

AidVantage, my loan servicer, has placed my federal student loans into " Administrative Forbearance '' without my consent or permission. I am accruing interest on the balances during this forbearance that I did not apply for. Typically, during an administrative forbearance, interest rates are set to 0 % and loans would not accrue interest, however, my loans are accruing interest. 

I did not request nor provide permission for AidVantage to put my loans into an Administrative Forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot different name on my account. 
They wrote my name in so much different way I would like to delate those names and just have on in the correct way. 

Also the address if you can delate my old addresses and just leave the recent one. 
Im working on my mortgage house and, Im having some issues whit it because of that
Product: Credit reporting

I need your help in getting these incorrect address information and unauthorized inquiries removed from my Transunion Credit Report. Please remove addresses : XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX. This information is a result of identity theft.
Product: Debt collection

I found out 2 years ago when I received my annual credit report that I was a victim of identity theft. Someone from XXXX, Florida used my name and SSN to open a credit card Account from XXXX  XXXX which was subsequently transferred to Midland funding. I have attempted to resolve this issue with Midland Funding with no success. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ACCT 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,