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

Hello my name is XXXX XXXX and recently my XXXX asked me to update it and so I did and my phone never turned back on again. Next day I tried to get it fixed but never could turn it on again. So I bought a new XXXX. After I bought the new phone I downloaded the app called Coinbase which I also had on my old phone already. Coinbase is a crypto currency exchange app which I invested a lot of money in and currently holding alottttttt of Bitcoin, chainlink, and XRP coins in there. I tried to log back in and it didnt let me log in because it was asking me for an authenticator code which I tried to put in but I guess it never recognized it. So I sent Coinbase an email so they can give me a new authenticator code that could link to my new phone and Coinbase so I can get back into my account. Have I have emailed Coinbase about 12 times and this email started in XX/XX/XXXX. Emailed them on XXXX and XXXX as well and no type of response from them. I have read reviews about their customer service and everyone says they do not reply to you and potentially when you do get your account back all your money will be gone from your account. I am livid with them and I will hate to get my account back and my money is not in my account. So my problem is I need Coinbase to unable my account and give me a new authenticator code that links to my new phone and Coinbase app so I can get my account back. I should have XXXX xrp, XXXX chainlink, and XX/XX/XXXX of a Bitcoin in my account and I do not want to see a single of them missing. I need to get my account back and have Coinbase reply back to me so I can get my thing back. I also taken this matter to court because I am afraid my money is no longer in my account. Please my ticket number for the email to them is # XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains billing errors, with late payments inaccurately listed. Please correct these mistakes and revise my report.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX Balance {$200.00} XXXX XXXX XXXX {$390.00}
Product: Money transfer, virtual currency, or money service

My account was compromised and I contacted cashapp to resolve the issue but they didnt respond. I have since received a form for taxes saying that I have received a sold over {$10000.00}. I have closed my account eyc
Product: Debt collection

To whom this may concern : In mid XXXX of XXXX, I contacted XXXX. XXXX about a closed account that was on my credit and I was unaware of this charge. I called to get as much information about this account such as what is the company, a signed contract, who were the people on the contract, when did the agreement occur, address and phone numbers listed on the account etc. They were very rude with giving me information and made comments like " How you do not know about this account being on your credit ... This is your account ... '' I had to nearly argue with the representative letting her know that I am a victim of identity theft and I never ever paid any attention to my credit until now and just had a child so I am trying to better my future by starting to work on my credit. The representative informed me that there was nothing they can do, due to the loan being bought by a collection agency by the name of MRS Associates but can send me the contract via mail and instructed me to fill out a fraud packet on their website ( in which I did ; no response back ). I contacted MRS Associates by mail on XXXX XXXX, however the mail was returned OPENED. So I did my research once again and look at their website. On XXXX XXXX, XXXX and XXXX XXXX, XXXX, I emailed MRS Associates ( XXXXXXXXXXXX ) asking for validation and not verification with signed contract. I have yet to received a response from both companies. As well, I have contacted the XXXX XXXX XXXX in XXXX, Texas where the perpetrators purchased the vehicle and asked for camera footage to turn in to law enforcement. I was informed that they are unable to go back so far being that it was XXXX, XXXX and they do not have footage from that far. I have been a victim of identity theft and provided MRS Associates and XXXX. XXXX with proof but nothing has been done as of today. I have all the documentation including FTC Identity Theft letters that I sent to both companies and no response.
Product: Checking or savings account

My name is XXXX XXXX Ive made a complain before about This same company call ground floor finance or I would say this is not a company because they are scamming people money because even now I still cant get back my money! They are saying the money have to go back to original bank account when my account is closed I no longer use that account! They are saying they suspected me of fraud how can they suspected me of fraud!!!?? If this money was not mine dont you guys think the person who own the money would have already made a complain to their bank about missing funds and the bank would have contacted you guys?? Dont you guys think that!!?? And another thing they wont reply to my email or live chat. They said I can supply sufficient kyc to proof my identity and Im emailing them asking them what kyc they needed and they still wont reply to my email or anything! So who is doing fraud now? They are doing Fraud because they have my money still lend out to whoever they wont give me back my money because they know they are doing fraud and if you guys dont give me back my money I will have to file a law suit and I have all the proof I need with the complains Ive made!! And all the mail and messages and you guys will have to pay more If you dont give me back my money! I need my money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote all 3 major credit reporting agencies ( equifax, XXXX, XXXX ) and informed them of fraudulent information on my file. I submitted a police report, an ftc theft affidavit along with my identification and proof of residence. 
The items that were fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a female and I was informed that a male was posing as me at an address not mine. Im not sure how they were able to convince these companies that my name was a male name.

These items remain after I disputed them with the documents needed to block and remove them per the fcra 605b provision.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Student loan

I try contacting XXXX via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. In addition, information given during the call does not correlate with activity on my account. There is no holding the cust service agent accountable to my actual account.
Product: Vehicle loan or lease

XXXX Ally Auto has blocked my account from making any online payments. There was an issue with one of my banks which resulted in returned payments from Ally attempting to debit the account several times. I had to use a different account that Ally successfully received payment from. On XX/XX/23 I attempted to make a payment online at I was locked out of my account and was unable to get back into the account until XX/XX/23. Since then I have been trying to speak with a manager, which Ally refuses to transfer me to as to why my account is blocked from making payments online. I spoke with several reps who said I'm being required to submit certified payments. I've repeatedly stated that I don't have access to that option and asked for additional information, which was also refused. These reps claim that this is Ally 's policy and that my bank blocked my account. My bank did not do this and can not block another company 's account. This policy is not in my contract nor is it on the disclosures on the website. It is illegal to make any changes to a consumer account without proper written notification and as a result of the lack of competency from this company, I have acquired unnecessary late fees and Ally refuses to address my issues. By law, Ally was required to send me notice 30 days before my due date and they failed to do so. At this point, they are scamming customers because this is not a policy included in my written contract or any of the disclosure agreements. Ally needs to unblock my account so I can make a payment or completely resolve my loan before this turns into a legal matter.
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Please Delete from my consumer report..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax - Delay Tactics in Dispute Resolution Dear CFPB Team, I am writing to formally lodge a complaint against Equifax regarding their handling of my dispute related to XXXX XXXXXXXX XXXX  XXXX. I received a stall letter from Equifax dated XX/XX/year>, which I believe is part of a pattern of behavior aimed at delaying the resolution of consumer disputes. 

Equifax 's tactic of claiming insufficient information or documentation is not only frustrating but also appears to be a deliberate strategy to reduce the number of disputes they are obligated to address in a timely manner. By shifting the burden back to consumers, they create an environment where many may feel overwhelmed and give up on their disputes, ultimately maintaining the status quo of their credit reports.

This behavior seems to be a clear violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681n, which outlines the civil liability for willful non-compliance. I believe that Equifax 's actions fall under this statute, as they willfully fail to comply with their obligations to investigate disputes promptly and fairly. 

I request that the CFPB take appropriate action to address this matter and hold Equifax accountable for their stall tactics. I look forward to your response and any guidance you can provide on how to further pursue this issue. 

Thank you for your attention to this important matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX AV XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX Late Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Late Payment XXXX Account Number : XXXX Late Payment XXXX  Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting

I was not allow by the representative to disputed the issue. I inform them that I was going to get in contact with the CFPB and one of the representative, stated that it was nothing they could do. I really thought that TransUnion was unprofessional during my conversation with them and the few times I call for the same situation. On, XX/XX/2016 I checked my credit on XXXX and had a total of XXXX hard injuries were placed back onto my account without sending me a reinsertion letter as required by FCRA section 611. I have been calling TransUnion ever since and received no help!!!! No one would connect me to the fraud Department or No one transfered me to the supervisor. I have talk with numerous of agents and they has been beligerent, some stated that they was aware of the situation and was unable to help me at this time.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Student loan

On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX XXXX  XXXX ( XXXX ) from my XXXX Education Award account from XXXX to pay off the account # : XXXX in full, {$3500.00}, based on the payoff generated on that date. I just came into repayment and the actual payment was not due until XX/XX/XXXX. So, I was trying to pay it off a month before it even came due. According to the education award account system, XXXX is set up to receive payments from them electronically via EFT. The payment was NEVER picked up by them, it sat there " pending institution action '' for two weeks. I emailed them on XX/XX/XXXX, never received a response. I contacted their customer service and spoke to a rep named XXXX on XX/XX/XXXX, she had no idea what was going on, could not provide me with any information regarding the payment, and why they could not access it. Told me I would be called the next day ( XX/XX/XXXX ), as she had to refer this to an area in accounting that handled payments. I never got called and had to call them back. When I called back, I got the same run around, no one knew anything at all. I am now receiving calls via an autodialer regarding payments, even though the payment itself is NOT due until XX/XX/XXXX, almost two weeks from today. I have spoken to three different people and NONE of them have been able to provide ANY rational logical explanation as to WHY the payment was not accessed by XXXX and applied to my account. All I am trying to do is pay off my student loan and they seem incapable of allowing that to happen. I requested to speak to someone in accounting ( since they state that is who would have the answers ) and that request was refused. I asked to speak to a supervisor, same thing. All I want to do is pay off this account with the funds from my XXXX award, why is this alleged FEDERAL student loan servicer incapable of facilitating that process when they are supposed to be participating in it?
Product: Money transfer, virtual currency, or money service

I have an account with PayPal and I noticed that few transfers transactions from other country XXXX that I do not know anyone, were withdrew from my bank account, I tried to dispute these transfers transactions but I was only able to disputed 3 transactions.I did not authorized money transfers to this person, I do not know if this person logged in into my paypal account, I do not know this person from overseas, I will attach the list of numerous of transfers donned by fraud. PayPal refused to help me and correct this matter.
Product: Debt collection

I apologize for I did not keep the dates logged. The collection was originally from XXXX XXXX XXXX, from XXXX XXXX in XXXX, Ca. The original creditor told me, they do not deal with payment plans and negotiation and to deal with whoever will become the debt collector. That debt collector became Genesis Credit Management. 

I called Genesis Credit Management two times to get more information about the account status and options that may be available to move forward in solving the collection. The first time I called, I was given an amount that I could pay but the amount they insisted I pay was way more than the amount I can afford. I insisted I will call back when I can afford the amount they wanted. 

Sometime has passed over and out of the blue the collections balance had went to XXXX. The collections was charged off, although it was charged off I still know Im legally responsible for the debt. The collection is hindering my ability to be qualified for apartments and housing so I decided yet again to call Genesis Credit Management to get more information. This time that I called, they had given me an amount that was supposedly the total, but the amount was a couple of hundred more then what I had seen on my report. I had asked why was I given a different balance then what I was seen, I was asked to be put on hold and then I was hung up on. 

I only know of this collection due to my XXXX XXXX report. I was not given any notification through mail, no phone calls, no emails from either original creditor or the debt collector. I am trying to do the best that I can in moving forward with this collection but Im not so sure who to even contact anymore regarding this. The original creditors say its out of their hands and the debt collectors arent as helpful in coming to a solution.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I've been notifying Experian numerous times that the information on my credit report are inaccurate, my identity has been stolen and used for fraudulent purposes. 

Someone has used my identity to engage in the following type of fraudulent transactions : * Credit cards * Loans * Student loans I'm a victim of Identity theft, this situation turned my life XXXX down. It is like a nightmare as I'm having difficulties to clear my name and credit report. 
Please assist me with your help in this case. 

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
* Harassed by debt collector or creditor. 

In addition, I have lost XXXX hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services. 

I have contacted the following credit bureau : XXXX, Experian and XXXX : * regarding the identity theft and to report the fraud. 
* to freeze my credit report. 
* to order a credit report. 

Unfortunately, I have had the following problems with Experian and XXXX : Experian still did not clear my credit report after numerous attempts to remove fraudulent accounts from my credit report. And XXXX made it harder for me to even freeze my credit, they basically blocked me from doing anything with my credit report. 

I have contacted the FTC and filed a ID Theft report. I have had the following problems with companies that I contacted regarding my identity theft : They still did not removed the fraudulent accounts from my credit report. 

Please contact me if you have any questions or need additional information. 

Thank you for your prompt attention to this matter. 
Sincerely,