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

I recently conducted a review of my credit report and found several items that have caused me significant XXXX These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

I purchased an XXXX watch using my Prime Visa issued by Chase on XX/XX/XXXX and the charge immediately appeared on my account. The band was too small at I returned the watch which was received by XXXX on XX/XX/XXXX. When tracking on line the company first posted that my account would be credited by the end of the month. This date then moved to XX/XX/XXXX, then the XXXX and when going on line today the date was moved again to the XXXX. In communicating subsequently with XXXX via chat I was then informed that the credit wouldnt post to my account until XX/XX/XXXX. Some entity ( XXXX or Chase ) is playing the float with my money and its outrageous. In this case the $ XXXX wouldnt yield much economic benefit but if they are doing this thousands or even millions of times, significant financial benefit would accrue. In todays modern computer era with virtually instantaneous transactions this should not be allowed.
Product: Money transfer, virtual currency, or money service

This is a cybercrime involving stolen identity and financial theft - amount not fully determined yet because we can not get a response from Coinbase about whether my funds were stolen. Coinbase has been the most unresponsive of all my crypto account custodian companies. 

Details/chronological summary 1. XXXX SIM card theft- on XX/XX/2021, about XXXX, XXXX assisted a hacker to take control of my SIM card and disable my phone. The hacker then proceeded to make password changes on my email and several of my crypto currency accounts. The hacker then used Coinbase to request withdrawals of {$150000.00} from a linked bank account at XXXX XXXX. I attempted to use my phone but was frozen out because of the sim swap. I borrowed my parent 's phone and contacted XXXX  to get back control of phone. We suspect possible inside job at XXXX  since I was later told that their internal notes said it was unauthorized user who called in the change of my SIM card. We have tried numerous times, but have been completely unsuccessful trying to get hold of XXXX 's fraud department and they have not pursued any investigation to my knowledge. 

2. Coinbase- I have tried everything to follow up and resolve the issue with Coinbase . 
I have attempted to do everything they said in their robot responses to no avail. After almost a full month of filing support tickets and requests to find out whether the funds in my account have been stolen, I still have not received a response. Coinbase support tickets continuosly say they have blocked the account, without telling me if there are any funds remaining. Also Coinbase is continuing to allow the hacker to try to draw funds from my linked XXXX XXXX XXXX  accounts- three attempts in four weeks for {$50000.00} each. I have no clarity from Coinbase that my {$35000.00} of investment in cryptos is still there, nor do I have any reason to believe the account is secured or frozen. 

3. XXXX XXXX- I notified XXXX XXXX to have freeze my accounts there. 

4. On XX/XX/XXXX, I called in a police report immediately after the attack but have not been able to get a copy of the police report online. 

5. FBI- On XX/XX/2021, I submitted a fraud claim to the FBI cyber crime unit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the mishandling of my XXXX XXXX account, including unauthorized charges, late payments, and the failure of XXXX XXXX XXXX XXXX to address my complaints in a timely and effective manner. 

Based on the findings of the Consumer Financial Protection Bureau ( CFPB ), which recently ordered XXXX XXXX XXXX XXXX  to pay over XXXX XXXX due to their failures in managing customer disputes, I believe my situation is a clear example of their mishandling of customer concerns. Despite multiple attempts to resolve this matter through XXXXXXXX XXXX XXXX XXXX my disputes over unauthorized charges and subsequent negative impacts on my credit report have not been addressed. 

Specifically, the following issues have occurred : Unauthorized Charges : I have disputed several unauthorized transactions made to my XXXX XXXX. Despite my efforts to report these issues through the designated channels, my disputes were not investigated properly or acknowledged in a timely manner, as required under federal law. 

Late Payments on My Credit Report : Due to the failure to address my disputes promptly, late payments and negative marks have appeared on my credit report, despite the charges in question being unauthorized or disputed. This has caused significant harm to my credit score and financial standing. 

Failure to Respond to Complaints : I have submitted multiple complaints regarding the unauthorized charges and late payment issues, but I have not received adequate responses or resolutions. XXXX XXXX XXXX XXXX  ' failure to respond to my complaints and investigate the disputed transactions within the required timeframe is in direct violation of federal law, as highlighted in the CFPBs enforcement actions. 

The actions of XXXX XXXX XXXX XXXX as outlined by the CFPB in its enforcement actions, are clear violations of the Consumer Financial Protection Act and the Truth in Lending Act. These failures have caused undue financial harm and stress, and I demand the following actions be taken immediately : The removal of all unauthorized charges from my XXXXXXXX XXXX XXXX and the correction of any negative credit report entries related to these charges. 
A full investigation and resolution of my prior complaints regarding this matter. 
A prompt and thorough response to my disputes and an explanation of why the legal requirements were not followed. 
I am requesting that this issue be escalated and investigated further, and that appropriate action be taken to resolve my account disputes. Given the extensive nature of the issues I have experienced, I also ask for an immediate review of my credit report to ensure that any incorrect information is removed. 

Please consider this my formal complaint and dispute for action by the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of my complaints in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have 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 15 USC 1692 C says that if a report has been made, accounts must be removed. According to review, I have filed a report with the Federal Trade Commission showing that these accounts were opened fraudulently. I have attached a copy of the report to this e-mail. The accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020, {$1000.00} due for hospital charges not covered. I spoke with a XXXX at One Advantage, LLC. after receiving a notice there was a debt of {$1000.00} from the hospital that was due. I informed her that I was never sent a bill from the hospital about the remaining balance and that I wanted to make payment arrangements because I didn't have that kind of money upfront. I told her that I was paying other medical bills to the same hospital for the same date of service and that this was never on those bills. The most I could pay would be {$50.00} a month. She said that was not an acceptable amount and that is probably why I didn't get a bill for this balance because the lowest amount they would accept would be {$200.00} a month. I told her I had XXXX kids and could not make that type of payment. She stated " that's nice you have XXXX kids, you need to use your tax return to pay off the balance. '' I stated that was not going to work as I had other obligations and that was inappropriate she even suggest. She said well if I want to send the {$50.00} in they would not refuse it but that if the balance is not paid off in six months they could sell the account to another agency and that agency may charge interest and it would mess up my credit. I asked her about interest being charged on a medical bill and she stated some agencies charge interest and that it would be in my best interest to pay them off quickly before they sold it to another company that would charge interest on the balance due. I made the {$50.00} payment, as that is all that I have, but I called the hospital and they confirmed they don't charge interest on medical bills. At this point I don't know who to believe.
Product: Credit card or prepaid card

Hello, These are charges I did not make, did n't receive anything from and I have no knowledge of :  XX/XX/17    QT   XXXX   XXXX   GA REVERSAL OF TEMPORARY CREDIT Merchandise {$44.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX  E #  XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$45.00}  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   #   XXXX   XXXX    XXXX   XXXX  OF TEMPORARY CREDIT Merchandise {$42.00}  XX/XX/17     XXXX    XXXX   TX REVERSAL OF TEMPORARY CREDIT Merchandise {$38.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   #  XXXX  NM REVERSAL OF TEMPORARY CREDIT Merchandise {$54.00}   XXXX     XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  AZ REVERSAL OF TEMPORARY CREDIT Merchandise {$53.00}  XX/XX/17     XXXX   XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$360.00} They tell me to call fraud dept. and I do and they say I 'm not liable then charge me again and tell me to call fraud dept. and that I 'm not liable, charge me again, tell me to call fraud dept. etc.     This happens to be a secured card so it 's even more important to me that my balance be correct before I close it forever.     Thank you.    XXXX   XXXX
Product: Debt collection

I received a court document in XXXX of XXXX stating I was being sued and owed {$1300.00} to XXXX XXXX XXXX, which I have never heard of before. It stated my wages would be garnished if it was not paid. I said a loan was taken out in XXXX for {$250.00}. In XXXX I started to file bankruptcy but got a large amount from the VA so I paid off all debt I had and the bankruptcy was dismissed. I have no record of this loan on any credit reporting agencies, I have no emails or records of a deposit from this agency either. When looking over the documents the signature also does not look like mine and Ive signed the same way since joining the XXXX XXXX back in XXXX. This was the first time I have ever heard of the company who was suing me. I do not believe this loan was even given to me. When documents were send over they blocked out the bank account routing and account number and have yet to provide it so I dont even know if it was sent to an account in my name. Looking up information on XXXX XXXX XXXX online they seen to get this complaint a lot. Please help me get this resolved!!
Product: Mortgage

I missed 3 months of payments because I moved to WA state and the banking information changed. I reached out to lender/loan servicing company to pay the payments but they said they will get back to us with final payment. 

I waited for 10 days and no information was provided and I called again the loan payment went form $ XXXX to $ XXXX. When I requested for a reinstatement letter they denied and mentioned that they don't provide that.
Product: Consumer Loan

My loan was 33 days past due and I was threatened. I have the saved voice mails as examples.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX violated 15 U.S. Code 1637b. It requires the creditor to provide a statement in the mail following the rules of 15 USC 16376 and I never received a statement with everything in that article of the law.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX DATE OF INQUIRY : XX/XX/year> XXXX || DATE OF INQUIRY : XX/XX/year> XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/year>XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

They listed my account on my credit reports incorrect, i also paid off my loan early
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact XXXX  parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 
By obtaining my consumer report without my written permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ). I did initiate business with your company for an extension of credit. Whilst I am thankful for our business relationship, I did not give XXXX XXXX XXXX XXXX written authorization to list the inquiry on my credit report. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX for collection as the account current and the credit is being used responsibly. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. 
AND To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are open under my name and social. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$460.00} DEPTEDXXXX XXXX {$4900.00} USDOE/XXXX XXXX {$11000.00} XXXX  XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. They were required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly. Which is not true Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX If, 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

Disputed collections on my credit reports with each bureau for charges reflecting on my report from companies I am aware I do not have accounts with. 


Dates Actions were taken XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This company is making it impossible to opt out of their promotions, credit card offers, etc. without me even signing up to anything in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 
Please dispute the accounts. They were opened without my knowledge, authority or consent. 

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

I am still waiting on a new corrected credit score from Equifax in which I reported originally on XXXX ( Equifax reference XXXX-XXXX/Confirmation # XXXX ), stating that the current score of XXXX was not legitimate and should have been upgraded or kept stable at XXXX after the XXXX update with an increased point upgrade of near or over a 700 credit score, in comparison to both XXXX and XXXX  with both showing higher scores. It is nearing another 30 days ( due XXXX ) to update my score again from the last report on XXXX and Equifax still has not corrected or brought my score back up to normal status since I feel that there is still an ongoing security breach still existing that they wont admit when I spoke with them on XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transaction.
Product: Vehicle loan or lease

I purchased a car in XXXX from a dealership that's now closed. I paid the car off in XX/XX/XXXX. My lender has not sent a title because they said they have never had a title for the vehicle. 

My lender Capital One Auto Finance says another lender was listed on the registration by the dealership. I called the dealership but the dealership is now closed. 

I called the lender listed which was XXXX XXXX XXXX, and they say they had never had any affiliation with my vehicle and if they are listed on the registration, it was probably assigned to them by mistake. 


Capital One Auto Finance says they can not help me because the car is paid off and currently we have no account with them. I talked to someone at the XXXX last week and was told that Capital One Auto Finance had to apply for the title and then change the title to me, but Capital One is unwilling The person at the XXXX checked my title and said it was listed as an E title, but there was no title number listed. 

XXXX XXXX XXXX can not give me a lien satisfaction notice, because they never had the lien. However, if Capital One contacts them to ask for a letter or no interest, they can give it to them. 

Capital One Auto Finance company allowed me to pay for a vehicle, and they had no title. I paid the car off early ( over a year ago ) and have not gotten any information about my title. I have a XXXX  XXXX  child and I need to replace my vehicle. We are not able to take him in our current car because he will not fit. This has caused a lot of stress and I feel that I will never get rid of this car. 

I've lost my deposit for another car I was going to purchase due to not having the title for my vehicle. No one is helping me and I know this can't be legal. What is there to do?