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

I put coinbasepro.com into the web browser and it directed me to a phishing website. It looked just like the coinbase login, so I put my login info in and it told me there was suspicious activity on my account and I needed to call coinbase to get my account unlocked, it provided a number that I called. It was the scammers number and they told me I had to connect my coinbase pro and my coinbase together and basically walked me through transferring my crypto from my coinbase pro to my coinbase but it wasn't going to my coinbase address it was going to their coinbase account and I didn't know that. 
Right after this happened I contacted coinbase, and they said there's nothing you could do the coins are gone. They wouldn't reverse it. This is an account my daughter XXXX XXXX opened for me under her name. 

The phone number on the phishing website was XXXX Number he told me to call him back at XXXX ( I never called him on this number ) The phishing website was coinbasepro.com ( now it's blocked ) I think it was transfered by coinbase account address, it was all done on the coinbase pro website and the phishing website. 

The crypto was transfered on XX/XX/XXXX, around XXXX Still working on getting into my crypto account, it could take 48 to 72 hours to get back in to add up the amount of money I paid for the crypto coins. From memory I am thinking around {$50000.00}
Product: Credit reporting or other personal consumer reports

I have been suspended from getting SSI because Capital One keep showing that I have {$210.00} in an account and Life insurance policy for {$540.00} even throw my account has been close since 2021. I have called headquarters and call the branch that I had the account open with and still have been given the run around. As I am typing this complaint I have been on hold for 1 hour and 10 minutes with the XXXX XXXX Capital One branch on XXXX XXXX XXXX, I am holding on to see how long they are gon na let me hold on because they don't want to make the effort to help. I can't appeal my resources with SSI without getting the required information form Capital One to prove that I do not have a account with them or a life insurance policy with them. At this point I am reaching out to anyone that might be able to help me with this matter. 
Thanks
Product: Debt collection

Account name : CAVALRY PORTFOLIO SERV Account Number : XXXX It has come to my attention that CAVALRY PORTFOLIO SERV is illegally reporting on my credit report. CAVALRY PORTFOLIO SERV claims that i owe them $ {$4100.00}. I would like for CAVALRY PORTFOLIO SERV to please send me the ORIGINAL contract or instrument of indebtness that is signed between CAVALRY PORTFOLIO SERV & I stating that we are in a legally binded contract with one another and that the debt claimed to be owed is valid.

On top of the above, based on the information provided by https : //nmlsconsumeraccess.org/ which is a legal website to verify debt collectors ; CAVALRY PORTFOLIO SERV is NOT legally licensed to practice debt collection in the state of florida. ( Please see attached image ) Thirdly, I would like for CAVALRY PORTFOLIO SERV to cease and desist ALL communication including credit report reporting immediately. 

15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. It mandates that these agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. If inaccuracies are found, consumers have the right to dispute them, and the bureaus must investigate and correct any verified errors.
Product: Credit reporting or other personal consumer reports

I disputed an XXXX XXXX account/tradeline on or around XXXX XX/XX/2023 with Experian. Experian alleges they conducted a re-investigation and provided the results on XXXX XX/XX/2023. Experian claimed " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' To be clear the " updated '' information is alleged to be for the same account/tradeline. It is clear Experian did not conduct a re-investigation because the comments for the dispute reference the account/tradeline XXXX XXXX XXXX with the comment SEND ITEM ALREADY MATCHES THE DISPUTE REQUEST. Therefore, Experian did NOT conduct a reasonable reinvestigation compliant with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Now, reasonable procedures under 1681e ( b ) are not proof of a reasonable re-investigation under 1681i ( b ). The re-investigation requirements under 1681i ( a ) mandates a more thorough investigation than 1681e ( b ) ( see. Chaitoff v. Experian Information Solutions , Inc., No. 21-2632 ( 7th Cir. 2023 ) ). While a CRA 's liability under the two sections may diverge depending on the facts, and while 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires more than a cursory examination investigation into a dispute, even a cursory examination of the documents I supplied to Experian for the disputed account/tradeline show the XXXX account XXXX as reported to Experian, is false/misleading/inaccurate because they are documents from XXXX for the same account that provide contradictory explanations for the errors in reporting, which XXXX acknowledges being aware of, but have failed to fix ( see XXXX XXXX XX/XX/2023 response in XXXX XXXX XXXX '' attached ). At this point Experian knows, or should know, the account/tradeline is false/misleading/inaccurate. Since Experian failed to conduct a reasonable re-investigation, the XXXX account/tradeline needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact CSC Credit Services. 

There are inaccurate numbers on the internet, as well as with the Better Business Bureau. There are also no email addresses that I could find for this company. 

I called four of the numbers listed for the company on XX/XX/2023 ; XXXX answered the phone for two of those numbers. The consumer service clerk then proceeded to tell me that she does not have any contact information for CSC Credit Services. 

I checked with a credible source online. 

According to this website, CSC Credit Services is a part of XXXX. Yet, I can not find a working number for the company. XXXX will not give me a working number for the company.
Product: Checking or savings account

I had put XXXX $ on my SoFi card I went to take out some money my account say it was restricted I uploaded my id many time call them to get a answer when is the money going to be available SoFi agent as been laughing at me during this hang me out for 4 days until now I cant get my money cant tell me when is my money going to be available. I see they making people upset Example of what they are doin look at the old man that killed the XXXX driver same thing SoFi doing by playing with costomer on the phone laughing when we try to get our money
Product: Checking or savings account

On cotober XXXX there were several unathorized transactions in my checking account total amount of {$3500.00}. I notified wells Fargo claim department that same morning. they told me they were going to investigate and meanwhile gave me a temporary credit. This is the second time it has happend, the first time back in XXXX they took almost {$30000.00} from my bussiness account wich after two weeks they just told me the problem was solve and credited my account without any explanation. This time they sent me a letter saying that the case is close and that based on their investigation it was me or someone I gave permission to, so they withdrew {$3500.00} from my account. The transactions were made in XXXX  while I live in XXXX when I asked for proof customer service reps were very rude and unwilling to help. I sent them a letter asking them to investigate further with copy of police report. 
I would appreciate any help or advice to help me recover my hard earned money, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has changed my primary name back to a previous married name that is over 10 years old ( XXXX XXXX ). I opened an account in XX/XX/XXXX and my name was correct at the time. I have called their dispute number and they told me that it changes back because of creditors. The ones they read off to me are from XX/XX/XXXX. My current name even shows in my report as my AKA name multiple times ( XXXX XXXX ). They want me to mail in a copy of my social security card and driver 's license. I do not feel safe sending that through the mail considering how many times I have experienced identity theft. I have requested a way to fax or email the information and they will not do it. Why do I keep having to prove who I am every year or so? Why is it so easy for OLD information to change my file but not me?? I ordered a credit report 3 weeks ago that shows my correct name and address. Now Transunion has an address from 13 years ago and a name from 10 years ago as my CURRENT information. The customer service rep couldn't even pronounce my name because she is in another country! Why is my personal information being handled by someone in XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and  XXXX  has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to kee p myself protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.
Product: Checking or savings account

After I set up my bank account it was mostly dormant but I still kept getting paychecks and doing the 10 debit card purchases a month. I hit a point after switching jobs in XXXX of XXXX where I didn't have enough money to put gas in my car, so I made a call to see if I had overdraft fees turned on, remembering that i purposely had them turned off but still wanted to double check. When i called they confirmed that i couldnt overdraft and that i could turn it on but it would take a few business days to become active on my account. I opted out of it, though. Fast forward to the next year and I'm without a job but getting a little bit of help from family to keep up on bills ( only when I need it ). Knowing that I wouldn't have overdraft fees I was going to pay my bills when the funds were available even though they were set to automatically withdraw from my account. I now have 6 overdraft fees in the last 2 months adding up to {$210.00} ( {$35.00} each ) ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Not only was i charged with the overdraft fees but i was charged for something that i couldnt afford without assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX. XXXX AND XXXX XXXX Creditor : XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX  XXXX AND XXXX XXXX Creditor : XXXX. XXXX AND XXXX account number ISNT DISPLAYED with a balance of {$0.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Payday loan, title loan, or personal loan

I have a previous complaint regarding advance advance complaint # XXXX. Within this complaint advance America RESPONSE dated XX/XX/2023 stated that I couldnt set up an extended payment plan on a line of credit Until account goes into default. This was inaccurate because I called advance America today XXXX XX/XX/2023 regarding setting up an extended payment plan and supervisor XXXX in collections dept informed me that there was not an extended payment plan offered or extended to me for no explanatory reason although account is NOW in DEFAULT status. Im trying to pay this company back but it seems they are only into the business of wanting to restart or resume account to accumulate more fees to be paid to them.
Product: Debt collection

I have no idea who this company never did any business with them. I asked for proof never received anything
Product: Credit reporting or other personal consumer reports

Foremost, XXXX  XXXX is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX  XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, Transunion, XXXX XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, or personal loan

On XX/XX/2021 I went into a purchase agreement for a stay with XXXX ( the reservation was under my wifes name XXXX XXXX XXXX XXXX XXXX and used their platform. The total amount is for {$4100.00}. My stay was supposed to be from XX/XX/XXXX to XX/XX/2021. I only stayed the night of the XXXX and the host changed our reservation for just the one night which is reflected in the reservation due to issues of the home and the remaining nights were to be credited back. I reached out to Affirm and received a message back saying after reviewing my information, i'm responsible, which i should not be. I provided all information including the owners name and also reached out to XXXX numerous times and am unable to get help. I do not believe they investigated fully because they would have been able to see that my refund was supposed to have been issued. Even XXXX could not get in touch with the host as well. They should raise a red flag as well. I have numerous loans out that i have been paying for with them and i feel this has not been looked into far enough. Ive provided detailed details as well. I just feel if this type of issue cant be rectified then i do not need to keep referring others or continue to do business.
Product: Credit reporting or other personal consumer reports

I have noticed an unauthorized account on my credit report that does not belong to me. I believe this entry was added without my consent and may be linked to identity theft or fraud.
Product: Credit reporting or other personal consumer reports

Experian reported inaccurate related to a complaint I previously submitted related to a spending ticket that someone received in my name in XXXX XXXX XXXX. I have never been to any such location. No identification of vehicle or license plate on XX/XX/XXXX. According to records available from XXXX XXXX a ticket and XXXX fine was imposed and dismissed with an order not to use this information in public records. Experian reported this on my credit as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX my mom and I went into Suntrust Bank in XXXX XXXX  Tn to close her account. Which my name is on too. I was taking over her POA and changed banks, the bank manager assured us the account was closed and a week later she started getting letter in the mail that she owed them money for a draft and fees they allowed to go through on her account that was supposed to have been closed. I called all the companies she had automatic drafts from and stopped them, so I dont feel like it was our fault the drafts came through the account was supposed to have been closed. They told us that a pending draft could reopen a account, I feel that this practice is a attempt to just keep getting money from people when you close a account it should stay closed. I wouldnt recommend using Suntrust bank to anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT  # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # 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: Mortgage

Requesting information in regards to my VA Senior loan with Wells Fargo. Also wanted to know was my home ever foreclosed on or not prior to the release of Mortgage from Well Fargo? Because there are some discrepancy in regards to my past VA home mortgage loan with Wells Fargo in regards to past started foreclosure proceeding that were dismissed, as well a Deceptive practices and fraudulent activity. I have also requested copies of my entire past bill itemized payment history but have yet to receive it from Wells Fargo which was over 7 months ago now. I also wanted to know was the taxes on the home paid for by wells Fargo until XX/XX/2018 upon the congratulation letter and release of mortgage to me? Was the home foreclosed on prior to the release of Mortgage recorded on XX/XX/2018 being that all the parties were a part of the foreclosure lawsuit case number XXXX XXXX County Illinois Chancery court? The foreclosure lawsuit case number XXXX case was dismissed by Wells Fargo, and then I was given a release of mortgage stating that I was the owner of the home by Well Fargo attorneys as well? Wells Fargo attorneys stated I saved my home and I have evidence of that. Im requesting some answers. Please review the documents and exhibits submitted with this complaint. This is only 25 % of deceptive practices evidence that's submitted in this complaint.