23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a letter from Capital One today informing me of the permanent restriction of my son XXXX XXXX as an authorized user. When I called to inquire as to why he was flagged, I was told by the executive department representative that 1 ) the letter was all the information that they had to offer me. 2 ) That there was no way to contact the office or people that made that decision. 3 ) that the decision was final and I had no other recourse. 

Now, I obviously have a recourse ... I can cancel my card and go to another bank that will hopefully be more forthcoming with information about a decision the impacts by business. 
My son XXXX is my XXXX XXXX   and does all the office ordering. Restricting his ability to do his job affects my entire XXXX XXXX. My simple question as to why they restricted him should be answered by someone. If the reason is legitimate then that is fine, but if it is a mistake ... .it should be reversed. To send me a letter like this and then say I can't speak to the people who made this decision is hard to understand. 

I look forward to your response and I hope that I can get an answer that will allow me to continue to remain a Capital One customer.
Product: Money transfer, virtual currency, or money service

I bank-wired {$3000.00} USD to Coinbase , Inc. on XX/XX/XXXX. They have not credited this to my Coinbase account, XXXX Their phone customer service does not handle this issue. 
Their online customer service has been entirely non-responsive. case XXXX. 
I confirmed by phone with XXXX XXXX XXXX that the wire was received.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints on the Creditor accounts included. None have ended with any resolve. I have filed police reports and sent them to credit bureaus along with supporting documents of ID theft packages and these accounts continue to appear after XXXX rounds of disputes. Equifax refuses to remove the erroneous accounts listed in the reports previously provided to them nor have they updated my report to block the items in question. XXXX XXXX XXXX is reporting a fraudulent account despite several disputes on my behalf for this to be removed. XXXX XXXX has also been informed. This bill has been previously disputed when it was being reported by a different creditor.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THROUGH XXXX DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND WERE OPENED WITHOUT MY CONSENT IVE ALSO ATTACHED A COPY OF MY IDENTY THEFT REPORT. 

TRANSUNION FRAUDULENT XXXX XXXX XXXX XXXX  {$8800.00} ACCOUNT # XXXX XXXX XXXX XXXX {$1300.00} ACCOUNT # XXXX
Product: Checking or savings account

My name is XXXX XXXX. I have a checking and saving account with TD Bank. My checking account number is XXXX. On XX/XX/2022 ; I requested a dispute for the following transaction : XXXX XXXX Collector for the amount of {$320.00}. I was told the dispute might take 5 to 7 business days to refund the funds back to my account. I called TD Bank on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and to find out the status of the dispute. I was told the dispute is not process as of yet. On XX/XX/2022 ; I received a letter from TD Bank in the mail. The letter stated the amount of $ XXXXwas provisionally credited to my checking account XXXX XXXX. However, the funds were not credited back to my checking account. My checking has a negative balance in the amount of {$340.00}.
Product: Mortgage

Corruption. stealing of homes in America is at issue here. What do you plan on doing about it? You're our consumer PROTECTION bureau. where is my protection? Why are you failing Americans? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al
Product: Vehicle loan or lease

Flagship Credit Acceptance calls multiple times a day. I resorted in using the chat option on their portal instead of talking with them over the phone and explained I was waiting on the money to make a payment. I have asked them repeatedly for assistance on payment options because we have had some financial difficulty with our children and other issues that have come our way. They refused to assist with payment options until XXXX, stating that it can only be done once a year. I am not sure about them, but sometimes people run into financial difficulty more than XXXX time of year. Inflation is ridiculous right now, the cost of food for a family of XXXX for XXXX weeks come to the amount as a car payment or rent. Flagship Credit Acceptance approved our loan for {$1000.00} a month, which is crazy. We don't have amazing credit and were stuck with this. We don't mind having a couple of months added on to the loan to help us get ahead. Though they don't want to help, but they want to harass us by calling each of our numbers 5 times each within a few hour period. I find it excessive. They should understand that excessively calling their customers is annoying, especially when it at times is at XXXX at night when we have children who attend school. We understand their need to collect balances but we have explained to them and attempt to make good faith payments.
Product: Money transfer, virtual currency, or money service

My case pertains to Coinbase Case number # XXXX, and Complaint # XXXX 1. Coinbase closed my account in late XX/XX/2022, after me being a fully verified customer for over 4 years 2. All I am trying to do now is to get my fiat and crypto off Coinbase ( which Coinbase claims that I have access to ). 

3. Unlike what Coinbase falsely claims in the attached email, I do not have access to either a " Vault '' or even the " Portfolio '' section of my Coinbase or Coinbase Pro account. The ONLY page that I can access when I login into Coinbase or Coinbase Pro is their " ACCOUNT CLOSURE IN PROGRESS '' page. I have attached it's screenshot below. 

4. I see my funds on the ACCOUNT CLOSURE IN PROGRESS page. BUT, when I try to withdraw the funds, it asks for my 2-factor authentication ( 2-FA ). The ONLY 2FA that I have set up with my account is my XXXX hardware key. However, their " ACCOUNT CLOSURE IN PROGRESS '' page is not set up by Coinbase to recognize my XXXX hardware key ( unlike their actual, full service Coinbase log-in page! ). I also know the key is working fine since that is the very key that I use to login to my Coinbase account ( where it works just fine ), after which it redirects me to their default " ACCOUNT CLOSURE IN PROGRESS '' page ( which is the ONLY page I am able to access! ). 

5. Crypto from their default closure page can only be withdrawn to whitelisted addresses ( which is the option I chose on Coinbase when I had signed up ). BUT when I attempt to add a whitelisted address, I get directed back to " Account closure in progress page! '' 6. When I attempted to get my fiat off Coinbase, back to my bank account, it says " Account closed '', then redirects me back to their " Account Closure in Progress '' page! 

7. I can't even access my transaction data for tax reporting. A flimsy report emailed to me only has Coinbase transactions, but not Coinbase Pro transactions ( where most of my trading occurred )! 

8. Multiple emails have been exchanged with Coinbase customer support assuring me that the matter would be resolved in " 15 business days ''. Even the exchange balance they claimed I had in my account was initially inaccurate before they fixed it after numerous emails/phone call. 

9. My trauma began almost 2 months ago. Supporting emails are attached. The majority of replies see generic " copy-pasted '' generic replies where it is obvious that my question was not even read! This is adding insult to the injury when a XXXX dollar corporation sits on a customer 's hard earned " interest-free '' money!
Product: Credit reporting or other personal consumer reports

I am writing to request that the following accounts and inquiry be blocked and deleted from my credit report, as I am a victim of a data breach. These accounts were opened or used without my consent, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit file. 
The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$730.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$520.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$630.00} XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX  response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.
Product: Checking or savings account

I had a mobile bank account w/ Simple. BBVA, who owns Simple, shut down Simple and planned on converting Simple customers to plain BBVA customers. This was a manual process that was requested of us ( the customers ) on XX/XX/XXXX the Saturday before XXXX XXXX XXXX. The process failed for me. I received multiple errors during the process, I am now completely locked out from viewing my account balances. 

I have received no update from the company on how to address the problem. I have been trying to call their customer services line 3 days straight now, and every single time the phone disconnects. I have yet to speak with anyone about this issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Complaint ID XXXX filed XX/XX/22 Derogatory Report by XXXX XXXXXXXX XXXX XXXX - Attempts to collect debt not owed. Account was removed from credit reports. Most recent credit report indicates Derogatory Reports concerning the same matter reported on this occassion by Enhanced Recovery Co L in the same {$370.00} amount. Understand these actons are contrary to the Fair Debt Collections Practices Act as again this company has made no contact by mail in writing ..by phone or in person to investigate this matter. After receiving credit alert on this noticed a substantial reduction in my credit score. Believe the latest reporting to be harassment and in violation of fair credit reporting. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I transfer money through cashapp and after like XXXX mins I found out it was a scam. I called cashapp to stop the transaction but they said they don't do it. The transaction is already done.
Product: Credit card or prepaid card

I made on XXXX.18 two transactions at XXXX XXXX and was supposed to earn an additional bonus of 30 % cash rewards for the first purchase up to a maximum of XXXX cash back. I signed up for the offer XX/XX/2018 at XXXX XXXX. The first purchase was in the amount of {$180.00} ( Men 's Department ). The second purchase was in the amount of {$30.00} ( Women 's Beauty department ). The Wells Fargo system defaulted the bonus to the second purchase which was only {$30.00} - I earned XXXX instead of the 30 % of the larger transaction of {$180.00} which should have equated to XXXX . I am due a total of XXXX- XXXX=XXXX. I feel particularly misled because i had the option to use my XXXX XXXX  card for a total of 25 % of my transactions but chose the 30 % the Wells Fargo Cash Wise card promised. 
I called the Wells Fargo rewards department which repeatedly asked me for my receipt which i did not keep as the purchase was a gift for my dad and had no intention returning.They seem to refuse to request the receipt from XXXX XXXX to check the time stamp on the receipt and validate the larger purchase was in fact made first. If I were to dispute the transaction they could easily obtain that receipt from the store.Not sure whether the two transactions made the same date were posted as a batch and the system defaulted to what was convenient for the bank and at the cost of the customer, but this could be a larger systematic issue WF should fix.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) (
i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

EXPERIAN has violated my rights. 
XXXX XXXX XXXX  ( # XXXX ) XXXX  XXXX ( # XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX ( XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request to Cease Reporting of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding a matter involving inaccurate credit reporting by XXXX XXXXXX/XX/XXXXXXXX XXXX. I have provided evidence that the company is currently in default, and my case against them is in active litigation under case number XXXX. I have included all relevant documentation to support my claim, which you may review by referencing the provided case number. 
Despite my efforts to resolve this matter by sending notices and invoices toXXXX XXXXXX/XX/XXXXXXXX, they continue to report inaccurate information to the credit bureaus. Additionally, there is inconsistency in how the three major credit bureausEquifax, XXXX, and XXXX reporting this information, further complicating the situation. 
According to the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681c and 1681s-2, creditors are obligated to report accurate information and to promptly correct any inaccuracies. By continuing to report inaccurate information and failing to investigate the evidence I have provided, [ Company Name ] is in violation of these provisions. 
Given the discrepancies in reporting and the ongoing litigation, I am requesting the removal of all late payments associated with this account from my credit reports. If this issue is not promptly resolved, I will be compelled to pursue further legal action to protect my rights and ensure compliance with the FCRA. 
I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had paid XXXX XXXX XXXX immediately the same day it showed up under my collections on Experian. XXXX said they would update my account and notify Experian that it had been paid in full and that it should be removed from Collections. They also said they would send me a statement in the mail of my closed paid in full account. As of today it is still incorrectly showing on my report. I notified Experian of this improper account, with proof of receipt. Experian although opened an investigation closed it out a few days later with no modifications, no message and no report, and no evidence as to why the account is remaining incorrectly. 

Experian is not following the rules and investigation Protocol under the consumer rights act. 

This account needs to be removed