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

On XX/XX/year>, I processed a legitimate transaction for {$800.00} ( including taxes ) for services provided through my company, XXXX XXXX XXXX XXXX XXXX accepted and processed the payment, deducting the corresponding fee of {$28.00}, and I was expecting the remaining funds to be transferred to my account as usual. 

However, on XX/XX/year>, after completing a requested update in the Square app, I received a notification stating that my account was deactivated due to " unsupported activity, '' with no further details provided. As a result, Square placed a 90-day hold on the funds, effectively blocking access to my legitimate earnings.

I attempted to resolve the issue by contacting Square multiple times via phone and email, but I was not provided with a clear explanation or adequate solution. They instructed me to refund the money to my customer, which is not feasible, as the service has already been rendered. Additionally, this could result in extra charges for the refund, and I am also at risk of the customer not paying me again for the service provided
Product: Debt collection

I contacted XXXX XXXX XXXX onXX/XX/2021 about a debt they clamed I own, see attachment.To this day they failed to verify the debt the debt as they are required by the air Debt Collection Practices Act and the FCRA.
Product: Vehicle loan or lease

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  We purchased a used vehicle together in XX/XX/2022. I was not able to pay the note due to the fact I have XXXX XXXX and have not been able to work. I was not working when we purchased the vehicle. My XXXX and I XXXX XXXX XXXXXX/XX/2022. During the XXXX  I had spoke with the finance company and explained to them the situation. I asked if there was a way to get an extension or roll the payment to the end of the note. I was told they could offer me no help till there had been XXXX payments made on the vehicle. They proceeded to call me daily XXXX XXXX XXXX times a XXXX and called even after they were spoken to. They have called my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well. Even after we have spoken to them. My XXXX  and I made XXXX payment on XX/XX/2022. The finance company started calling us on the XXXX about being XXXX XXXX past due on XXXX 's payment. We had setup payment arrangements with them to get the payments caught up. They have proceeded to call both my XXXX and myself XXXX to XXXX XXXX XXXX XXXX. We have spoken with them a XXXX times and told them we had payment arrangements setup and we were told that they would continue to call us till the account was current or we gave them a credit card number or bank account information to charge our account. We no longer want the vehicle because we are tired of the harassing phone calls XXXX XXXX XXXX XXXX XXXX XXXX. We would rather have our credit ruined than to deal with this finance company anymore.
Product: Checking or savings account

I deposit a check I have received in the mail and they said I was but it was a false check
Product: Debt collection

I purchased a phone from XXXX XXXX in XXXX 2019, at the time I purchased the phone, I notified XXXX that I may have to move for an overseas assignment with the U.S. government. After I moved overseas, I notified XXXX and they send me instructions of how to return the phone and assured me that I would not be responsible for any further charges on the phone once they received it. I returned the phone per the instructions from XXXX, but the Post Office lost the phone on route. I have the tracking number ( XXXX ) to show that the phone arrived XXXX XXXX, Texas where the XXXX facility is located, but it did not arrive at the XXXX facility. I contacted XXXX, which assured me that I would not be held liable for the phone because it was the Post Office, not me, that lost it. However, XXXX nevertheless reported me to a debt collection agency and also perpetuated fraud by false reporting that I was deceased. I contacted XXXX, and the first representative and their supervisor assured me that the charge would be deleted from my account, but then the third representative from their collections department repudiated all the statements that previous XXXX representatives had told me and said that I needed to pay the debt collection agency the full amount.
Product: Debt collection

National Credit Adj is reporting a collection account to my credit reports. They did not send a notice or provide an opportunity for the debt to be validated or disputed. I mailed a certified letter to the company requesting validation of the debt on XX/XX/XXXX XXXX They did not respond and continue to report the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX, TX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited from my XXXX  account {$300.00} to Coinbase. Coinbase took receipt of the money on XX/XX/XXXX. I received an email confirmation from Coinbase on the XX/XX/XXXX with Deposit reference : Today is the XX/XX/XXXXand numerous calls to Coinbase yielded no meaningful contact. All I have gotten is an automated machine telling me things which does not work. I have reported the issue via their support online request form at XXXX site. I have gotten no email suggesting that ticket was created to document my submissions. I XXXX searched to see if others were have the similar complaints, fund XXXX. Also got to realized they're associated with XXXX XXXX XXXX. I called XXXX XXXX, this morning, I was told they can not see their systems, but they are behind and will get my deposit done, but no time frame given. That is not acceptable.. 



Coinbase On Saturday XX/XX/XXXX you authorized XXXX to fund your Stored Value Account with {$300.00} from your linked bank account. We have debited your linked bank account accordingly.Deposit reference : Within 2-4 business days, these funds should be available in your XXXX  balance. Coinbase does not charge a fee for this transaction.
Product: Bank account or service

I was a victim of fraud and identity theft a few years ago, resulting in my Chase bank account being compromised with charges I did not make. Chase investigated and determined fraud was present and the bank account was closed. During the investigation Chase started accruing fees on the account which totaled over {$330.00}! For over two years I have disputed the fees and finally a Personal Banker, XXXX XXXX XXXX ID XXXX sat down and researched the account and conferenced the Chase Fraud Department via phone. At which time it was concluded that the fees should not have been charged and that I should not have anything derogatory on my credit reports or any negative blocks which are now preventing me from opening any new bank accounts! However, the Fraud Department representative was unsure how to update the account due to some 2 year limitation that prevents them from changing a record. Thus, I was referred to Chase Bank 's Executive Office, XXXX XXXX, at XXXX. After leaving a message XXXX XXXX returned my call and asked me if I was seeking legal action against Chase Bank and then told me he would transfer my issue to the proper department, and if I did not hear back from him within 48 hours to return a call and notify him. I returned a call to XXXX XXXX and a woman answered and refused to transfer me to XXXX XXXX. She then transferred me to Chase 's Collection Department, at which time a verbal demand was made to me for {$170.00} and some change or else all the negative information attached to my identity would remain and I was told I had to pay in full by XX/XX/XXXX! Not one entity with Chase Bank has been willing to contact the Personal Banker who finally attempted to assist me to resolve this lingering burden, nor have they made any attempt to confirm with the Fraud Department! Meanwhile, I remain a victim, and continue to be negatively impacted!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was made aware by mortgage lender that there is an inaccuracy reported on my XXXX credit report, preventing me from obtaining a mortgage loan. 

XXXX ( creditor ) is reporting a XXXX missed payment in XX/XX/XXXX, XXXX missed payment in XX/XX/XXXX, XXXX missed payment in XX/XX/XXXX, charge off in XX/XX/XXXX, charge off again in XX/XX/XXXX. 
The XXXX  account was opened in XX/XX/XXXX and closed in XX/XX/XXXX, yet XXXX  is reporting late/missed payments from XX/XX/XXXX through XX/XX/XXXX, and charged off in XXXX XXXX, which is inaccurate dates after the account had already been closed and charged off to Jefferson Capital. 

XX/XX/XXXX I called XXXX ( now called XXXX ) and they confirmed that the dates being reported were incorrect. The customer service rep submitted a 'credit correction claim ' and we thoroughly went through the specific inaccuracies together in the claim. She advised that the credit correction request would be approved within 10 business days and the collection agency ( Jefferson Capital ) would be responsible for updating my credit report. Jefferson Capital would take up to XXXX days to update my credit report once claim is received. The rep gave me the phone number to contact Jefferson Capital to make them aware of the credit report inaccuracy and see if they could correct the error immediately. 

XX/XX/XXXX I called Jefferson Capital to make them aware of the credit inaccuracy to XXXX for the late payment dates. They advised they have no control over the reporting on this account, as XXXX is the original creditor, so XXXX needs to update their internal records and report to XXXX. The only thing Jefferson Capital could provide me with a letter confirming the account was paid in full with no balance due. I received this letter via email on XX/XX/XXXX. 

XX/XX/XXXX I received an email from XXXX by XXXX ' stating they " carefully reviewed the details of your credit reporting claim and will be proceeding with updating our internal records. We submitted a correction request to XXXX, XXXX, and XXXX. Please be advised that it may take the credit bureaus XXXX to XXXX days for the correction to be reflected on your credit report. '' XX/XX/XXXX I received an alert from XXXX that the following has been updated on the XXXX account in question : XXXX XXXX - XXXX off account. 
There was no update to the erroneous late payment dates.
Product: Credit reporting or other personal consumer reports

On my XXXX reports there is is closed AUTOTRAKK LLC account. The account was opened XX/XX/XXXX the date the account went into default and never brought current was XX/XX/XXXX. According to the FCRA because the date of default is more than 7 years ago, should be removed and no longer had an adverse effect on a consumers ability to obtain credit. The account was also removed then reinserted on my XXXX report without any prior notification before or after it reappeared on my report.
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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXXXXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And Most of them are already XXXX balance but still reporting on my credit report.
Product: Mortgage

I secured a mortgage with Greentree XX/XX/XXXX for a mobile home. I have made regular payments since then without any major interruption. XX/XX/XXXX, my loan was taken over by Ditech and soon after they said my loan had matured and they wanted the full amount left on my loan, over {$2500.00}. I have explained, monthly after getting collection letters, that I am now XXXX and payment beyond monthly payments are not an option for me. I called earlier this week after getting one and the guy I spoke with tried to tell me I had never made any payments! I have the money order receipts going back to XX/XX/XXXX and the amounts sent. I was sent to another person who said my payments were in the system. She said these letters are computer generated and I would continue to receive them. No effort to set up a set payment plan I could manage or anything. No help at all. Then I get this letter telling my to take my complaint to the FTC AND CFPB. As a side note, I did try to procure a personal loan to pay this company off but, since they have reported my account to the credit bureau, I was unable to do so. This seems like poor business practice on the part of Ditech and Greentree had to know what their practice was when they sold my account to them. Please help if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX charge off on my Experian report. I have disputed this countless times and the dates change and is inconsistent. All our personal data was breached by the lack of security of experian. We have disputed this charge off for years and there is misrepresentation by XXXX XXXX and XXXX. We placed a fraud alert right away when we noticed charges and experien and XXXX XXXX are still not doing their part and making this right! You would believe that the largest credit reporting agency would be above all others in ethics and practice ; however, not experian. The charge off should have been removed as the other ones have been removed. The victim should never continue to be victimized. Its contrary to the law and humanity.
Product: Debt collection

I found out that Diversified Consultants, the 3rd debt collector attempting to collect an invalid debt for XXXX, now had the debt because it was reported to XXXX. A notice of the report was given to me by a credit monitoring agency that I utilize. At no time before reporting to the credit agency had I received any communication from Diversified Consultants, including the 30-day dispute notice. The notice was not sent to me until I called Diversified Consultants and notified them that they erroneously reported the debt, which is not a valid debt and has been repeatedly disputed, before sending a 30-day notice. This practice is highly unethical and validates my consumer rights. Additionally, I disputed the initial report to the credit agency which was removed immediately and replaced with another report that notes that it is contested by the consumer.
Product: Student loan

XXXX XXXX ( XXXX ) XXXX calls repeatedly about a " federal loan '' that is not pertaining to me at all. When I call them and tell them about it they will say I'll be put on the do not call list and not bother me, but then still call me every week and sometimes multiple times in a day ....
Product: Money transfer, virtual currency, or money service

Cash app XX/XX/year> at XXXX And you can't talk to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Online Information Service has deleted information off my credit report & then added it back into my credit report. Iknow according to the USC ( United States Code ) that is an violation to my rights,,,, to be specified citied under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up XXXX  credit report is violating consumer protection law my score keep going down foe now reason this is madness XXXX  is doing the same thing violating consumer protection law
Product: Credit reporting

This complaint is geared more towards Experian but all XXXX bureaus fail miserably My complaint is at Experian for the mishandling of XXXX creditors, XXXX and XXXX XXXX. 

The dispute system is broken, all XXXX credit Bureaus do not allow for you to provide proper information or documentation as to why we the consumer are disputing, so as creditors report back they accept whatever the creditor states, without requiring proof to validate their claims and we never get a copy of their response Then both the creditors and credit bureaus use an antiquated ( Snail Mail ) when we have faster ways to communicate, reporting agencies hold XXXX consumers hostage in how they report and cost consumer 's XXXX dollars in their failed reporting and verification procedures
Product: Credit card or prepaid card

I opened a credit card account with Capital one in XX/XX/XXXX and I have had up to three cards from that time until now ( XX/XX/XXXX ) I have two cards from Capital One now and my complaint refers to both but specifically one which I had since XX/XX/XXXX. My payment record is excellent with all my cards. I have applied for credit increases many many times and was only approved for {$100.00} one time. I was told they would automatically increase my limit. Through those year my credit most of the time was at least good to the point I purchased one home and paid for it was approved for at least 15 credit cards with limits of {$600.00} to {$7000.00} I have purchased another home and have been approved for refinancing of $ XXXX.ihave chosen to only have four credit cards now with the maximum limit at {$7000.00}. My income as reported to Capital one for my credit increase was {$120000.00} last year. On XX/XX/XXXX I applied for a credit increase and was told I needed to make larger payments because my payments were to low. I hav paid this card off twice because it started with a limit of {$900.00} and almost 20 years later it is {$1000.00}. My minimum payment is {$30.00} and I made payments ( always on time or before ) of {$260.00} in XX/XX/XXXX and XX/XX/XXXX, {$50.00} in XX/XX/XXXX and {$150.00}. In XX/XX/XXXX and XX/XX/XXXX. There isnt any other reason for this but discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Request for Assistance in Removing Unauthorized Accounts from Credit Report Dear Sir/Madam, I am writing to request assistance regarding unauthorized accounts that have appeared on my credit report without my consent, in violation of consumer protection laws. Specifically, I am invoking the provisions outlined in 15 USC 6802 ( B ) of the Gramm-Leach-Bliley Act, also known as the " Opt-Out '' provision.

According to this law, financial institutions are required to obtain consent from consumers before sharing their personal financial information with certain third parties. However, I have identified accounts on my credit report for which I did not provide consent for the sharing of my information.
Furthermore, I believe that the inclusion of these unauthorized accounts on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of information reported by credit bureaus. The unauthorized presence of these accounts not only misrepresents my financial history but also has a detrimental impact on my creditworthiness.

I request the Consumer Financial Protection Bureau 's intervention to ensure that these unauthorized accounts are promptly removed from my credit report. Additionally, I seek your assistance in investigating the circumstances surrounding the reporting of these accounts and taking appropriate action to prevent similar occurrences in the future.
The unauthorized accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and take the necessary steps to rectify this situation. 

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

According to the FCRA IT IS A VIOLATION TO HAVE ITEMS ON YOUR CREDIT REPORT THAT IS INACCURATE Ive tried over and over to removed addresses that is not associated with me and XXXX, equifax and XXXX has yet to remove these addresses i will sue the credit bureaus my lawyer will be contacting. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

In the beginning of XXXX, my account was closed for no reason other than to be investigated. There were no findings I was told on call XXXX but yet XXXX calls in, I was told the last 5 times to expect payment in certified mail. I have received nothing. it is over XXXX. I am waiting on. I would like an immediate answer and my money to be sent ASAP.