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

Coinbase and XXXX I have reached out to coinable because they locked my account with {$5000.00} in there. I also have deposited over {$200000.00} into the account and transferred the funds from Coinbase to a FRAUDULENT XXXX XXXX. The {$200000.00} was transferred over time and Coinbase will not assist in tracking these assets. I have also used XXXX to Deposit over {$200000.00} and transfer to a FRAUDULENT XXXX XXXX. XXXX has not contacted me from the email I sent them in regards to this ... CoinBase told me to verify my ID again, remove my {$5000.00} and never use CoinBase again, this was sent to me by email from their customer service. 

I still have not found someone to track the funds. CoinBase and XXXX are experts in this field and have the ability to assist in tracking these funds but refuse to help after several emails and complaints.
Product: Vehicle loan or lease

Hello, I have a car loan with credit acceptance, and I am not thrilled with how business is done there. I have contacted the Attorney General in my state and the answer provided from the finance company was. ( We will not call her ). The AG advised me to seek an attorney. I called the finance company because I have been behind on my bill. It is very high and at the time I was making more money than I am today, and I told them I was homeless, but there was nothing they could do to help me. This company places your account in the collection a day after your payment is due. The day after it is due, they are calling you and harassing you on the phone. My credit report is hurting due to this. I was told it was in the contract. They will call you all day on Sunday. I complained about that. 
I called to set up payments ; however, it is so high I have to try, and do it because I need to fix my credit. 
The finance company says they do this to help us. I am not sure how this is helping me when I am always stressed out. Trying to find a place to live. I called the other day to set up a payment plan and I have to pay XXXX every two weeks. I just feel the practices are not good here at credit acceptance. I want to refinance for a lower payment, but I can't get refinanced because this loan hurts my credit. Please if you can look into the practices of this company, I would appreciate it until then I will continue to try and pay. Fair is fair, but I do not believe they are being fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is  XXXX   XXXX  and I had a concern regarding  XXXX  placing  a thirty  day late on my account in  XXXX  of  2016 . I was not supposed to be reported for this late, according to  a manager i  spoke with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
Product: Credit card or prepaid card

On Friday, XX/XX/19, I attempted to make a {$400.00} payment to my XXXX XXXX. The payment did not appear successful so I reached out to XXXX XXXX customer service who advised the payment did NOT go through. I tried again, still nothing. At this time I waited several hours until once again attempting a 3rd payment. XXXX detailed none of these payment went though. Come Monday morning, XX/XX/XXXX, all ( 3 )  payments went through. I have made a a payment dispute with XXXX ( who ADMITTED this was an internal issue, even have the email that says it ), contacted their customer service via chat online and phone several times and filed a complaint with them. As of Tuesday, XXXX XXXX put a restriction on my account! Leaving me no access to use this credit card even though they have overdrafted my checking account! As of today, I called and was only told we can file another complaint, but fraud is set to call or email you soon FRAUD?!? I have been following up on this almost every day! I finally got escalated 3 times today and was told this can take 10 business days and they can not do anything!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft The information listed does not relate to any transaction that I have made Please block this information from my report, pursuant to section 605B of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been trying to get inaccurate things off of my credit report for a while now. I have informed XXXX, XXXX, and Experian that I am a foster youth. I am a victim of identity theft and that there are numerous things on my credit report that do not belong to me, are inaccurately reporting, and it is keeping me from obtaining the things I need to get buy such as housing, a vehicle and other things. 
15 usc 1681 inaccurate reporting. 
XXXX is reporting that XXXX XXXX opened XX/XX/2022 was closed XXXX XXXX as a charge off for {$5000.00}. 
XXXX is reporting that XXXX XXXX was opened XX/XX/2022 it says it is closed but does not give a date, it is charged off {$5000.00} Experian is that XXXX XXXX was opened XX/XX/2022 closed as a charge off. XXXX written off. {$5000.00} credit limit XXXX highest balance. 
A charge off is considered a certificate of indebtedness. Which means it is income. Income should not be reported and must be removed. Experian, XXXX, XXXX, and XXXX XXXX  are reporting inaccurately, unfairly and I have opted out therefore they are not respecting my wishes or the privacy of my personal information. Which is their duty according to The Fair Credit Reporting Act. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Checking or savings account

hi, I called the bank to request a new pin for my debit card ending in XXXX but on customer service they coulnd due error on the system trying to send me a passcode to my phone, in the past I never had that issue because they tried to send me a PUSH notification to my phone or a passcode to my email. 
Im not US citizen and resident, I live in XXXX and I dont have any travel plans to the USA to fix this. 

I also requested a XXXX to avoid this issues in the future. 
Please proceed with a new pin to my mailing address on profile and also the secureid requested trough the online baking without delays and bureacracy. 
Thanks
Product: Mortgage

I fell behind on making Seterus mortgage payment. I made arrangements to add additional money to my monthly payments. I noticed additional fees. I expected late charges but was billed for such things as inspections, title searches, etc. I called to find out my all my extra payments were going to a " suspense '' account and not the arrearage, and to determine the remaining arrearage. I have paid in excess of {$200.00} over the balance they stated as evidenced by online banking however my arrearage is not closed and no one at Seterus can provide me answers. I 've asked for a breakdown as to how they have applied the payments numerous times and still have not received anything. 

I would think the " suspense '' account would be illegal. I pay in extra money expecting it to go against the arrearage, It sits in this mysterious account earning Seterus interest and not being applied toward my account until it reaches the normal monthly payment. 

I want to review the extra fees and how my money was applied and all I get is ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXXL XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) AD XXXXXXXX XXXX  Account # 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, 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 1681A states I have the Right to privacy.

15 usc 1681 section 604A 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 than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXXXXXX XXXX  acct # XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXXXXXX XXXX XXXXXXXX acct # XXXX & XXXX XXXXXXXX XXXX XXXX  acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX acct # XXXX & XXXX XXXX. XXXX acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. CAPITAL ONE CREDIT, XXXX AND ALL XXXX XXXX ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card or prepaid card

On XX/XX/2023 I was contacted by Citibank. Evidently our account was 30 days past due. Why they didn't reach out to us before it ws 30 days past due, I am not sure since we have never missed a payment. However, in speaking with them, it turns out we were switched to their estatement system. We never signed up, despite their claim that we did in XX/XX/2023, for estatement. We don't use ANY estatements to pay ANY bills because of the chance of them ending up in junk emails. 

It turns out our last two statements were send via email and that they were never seen because they ended up in junk email. I don't check junk emails as, they are junk. They are automatically deleted and there was no reason to check them. 

Again, we never signed up for estatements KNOWINGLY. My guess is that on the website, it is an opt out if you make an online statement. Either way, it was on Citibank to contact us via another method if we missed a payment and they failed to do so until it was already 30 days past due. I take our credit history seriously and this has damaged our credit history. 

I spoken with Citibank and they indicated that due to the situation they would and could review it and reverse it. However, in my experience this doesn't happen. I am writing because when I filed the request, Citibank wasn't even aware that this was an option ( despite the fact that their own employees told me about it ). 

It has now hit our credit rating and damaged our credit. We have an excellent payment history with Citibank so i believe they should reverse this ASAP. I have notified them by phone, put in the request and put it in writing as well but, in my experience, credit card companies rarely do the right thing and, based on my conversation today, I doubt they will here as well. 

I want 1 ) Citibank to remove the report to XXXX ( and the only way I found out is I monitor my credit reports ) 2 ) Do so immediately 3 ) For long term customers they should reach out by phone before the 30 day window occurs because it damages their customers.
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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Hello! I have a Credit Card ( Platinum  ) with Wells Fargo Bank, and I am having problems with the outstanding balance of each month, since I am being charged up to {$150.00} more in each payment. And I noticed that in my last statement, where the bank is charging me {$850.00}, and when I make my own sums of what I must pay it gives me a result of {$360.00}. I tried to fix that problem with the bank, but when I called they told me that I am not paying the full balance, and that is why money is accumulating in my outstanding balance. Which is a lie, because I am 100 % sure that with each payment I make, I pay 100 % of my outstanding balance. They refused to try to continue helping me, and I even asked them if they could start a further investigation, and they refused. I need your help, because my money is being taken from me in a blatant way. If you need my personal information, and my bank account information, I can gladly provide you. But please, I need this case cleared up as soon as possible. My suspicions are that the Wells Fargo Mobile App does not record some payments I make, and what it does is accumulate and accumulate payments that have already been paid each month. In fact, when speaking with the Wells Fargo customer service assistant, I gave him that idea, so that they would study my problem further, but they refused, and they kept firm that " I don't pay my balance completely '', but it is not like that, I am 100 % that I pay every month " Everything, without leaving late payments '' Thank you very much for your help, I fully trust you. God bless you!
Product: Credit reporting, credit repair services, 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 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CREDITWISE Dispute Team, Hi Capital One, this is XXXX XXXX and my friend which is my financial advisor XXXX XXXX from CapONE suggested I contact you regarding an Account Review Inquiries or disputed item on my credit report. I as a federally protected consumer would like the Account Review Inquiries to be removed and they are not authorized one inquiry mentioned that I did a consumer request. I did not do any request for any services at Capital ONE credit monitoring services through CREDITWISE. My issue and a mistake is unauthorized inquiries on my report.

I would list the Account Review Inquiries from CREDITWISE. CREDITWISE are Capital One inquiries. 

The Account Review Inquiries are : XXXX XXXX via CREDITWISE CAPITAL1 XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX CAPITAL XXXX XX/XX/XXXX XXXX Account Review Inquiries totaled. 
I also going to send you two XXXX credit reports so you can see them. They are highlighted in YELLOW coloring. I have reported this issue since XXXX of last year. 
FTC # XXXX XXXX XXXX File # XXXX Dates Issued XX/XX/XXXX - XX/XX/XXXX XXXX XXXX Code 1681i along with Fair Credit Reporting Act ( FCRA ) I as the consumer I am requesting you to investigate this dispute and make necessary deletions in my credit file. The FCRA also requires Capital One to provide me a written notice of any action taken within five business days after completing its investigation. 


This is XXXX XXXX XXXX signing off Sincerely, Clients name : XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The person who retrieve these car loans was my ex husband who the judge have given me a final judgement to have these loans removed from my name.
Product: Credit reporting or other personal consumer reports

I wan to file for an immediate removal of a hard inquiry listed on my credit report that I believe to be unauthorized. Upon reviewing my credit report, I noticed an inquiry listed that I did not authorize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX will not provide me with the purchase agreement from XXXX or XXXX XXXX  They claim I owe these debts But I asked for proof and they cant show me he literally said in the chat it is not my debt This needs to be removed immediately from my credit Report!!!
Product: Debt collection

Pinnacle Credit company has found a way to buy an old credit card debt and then they got a judgement against me and now are taking money out of my checking account. They never served me or notified me. I can not put money into my account to pay my bills. 

They say I owe {$14000.00} The case number is XXXX out of XXXX XXXX, CA
Product: Credit card or prepaid card

I have applied for a government travel card with Citibank XX/XX/XXXX and they have not supplied me with one. I have tried to talk to someone to find out what I need to do but I haven't been successful. There are two different cards you can apply for there is onXXXX with a {$3000.00} limit and the other is a {$6000.00} limit. Somewhere along the way, I applied for the higher limit by mistake which was not my intention. I was applying with my leadership walking me through the process. Somewhere along the way the consent to run my credit was checked. I wasn't aware that it would affect me. As I was literally being walked through the application step by step. This happened with one of my initial attempts my credit was run when the card I was trying to apply for your credit isn't checked. The card were credit is not checked is the card that I meant to apply for. I need this Government XXXX XXXX to pay for my lodging and food every month as I am XXXX XXXX XXXX. It's vital to my mission and I am due to deploy overseas next yearXX/XX/XXXX. I am worried that I won't have it when I need it and I will be stranded.