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

I had cryptocurrencies ( Bitcion, Ethereum, etc. ) on Coinbase XXXX whose current value is around {$100000.00} 4 months ago my account was restricted preventing me from withdrawing my cyrptocurrency 2 months ago my balance of my cryptocurrencies dissapeared I still have not heard back why this is happening and when I will get back my cyrptocurrencies here is a XXXX post I created as well : XXXX XXXX XXXX? XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX, I got an email from Capital One stating, Weve updated your phone number and another email welcoming me to XXXX XXXX. At XXXX I received an email about mobile app verification and then another email saying a new device was recently used to sign in to my account. At XXXX I received an email that saying, Congrats! Your new 360 Checking Account is open. I have never opened an account with Capital One, nor do I plan to. I do not have a checking, saving, nor credit card account with them. I called Capital One and had them flag the account and open an investigation. I also forwarded email evidence to XXXX. I am now following up with all of the credit unions to make sure nothing on my reports are affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I received notification that a debt had been added back to my TransUnion credit report. It is listed under the collection company XXXX. The Fair Credit Reporting Act ( FCRA ), requires consumer reporting agencies ( CRAs ), also called credit bureaus, to maintain an accurate file of your credit information. Also according to the FRCA items can not reappear on your credit report unless youre notified in writing within five days. I have not received any notice from Transunion informing me of such.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I have no recollection of initiating this inquiry, nor do I have any association with the listed creditor or company.
Product: Credit reporting or other personal consumer reports

Under the FCRA, these inquiriesmust be deleted if they were made without your permission and are the result of identity theft. A mechanic shopfraudulently used my identity for an auto loan I didnt authorize. My report found the investigation was closed after 24 hours on the grounds that doingso was a violation of proper review procedures. I will take legal action for non-compliance if these inquiriesare not removed immediately!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a Student Loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX, a loan account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ) I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit. I tried to solve this matter with Capital One in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from the three major credit bureaus. The accounts have XXXX balance. 

1. Accounts are the following : 1 ) Capital One XXXX opened on XX/XX/XXXX. Status : Closed. Balance XXXX. 
2. Capital One XXXX opened on XX/XX/XXXX. Status : Closed. Balance XXXX I demand a deletion letter so these items can be removed from my credit report, since it is causing me high levels of stress. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. 

Attached : - Letter sent to Capital One on XX/XX/XXXX - FTC Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents. I'm really upset that they are showing up on my credit report. This is extremely humiliating. I really felt down that you guys have to let me go through this. I want the company to remove it as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE XXXX, XXXX, XXXX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.
Product: Credit reporting or other personal consumer reports

my account XXXX with global lending services was back in XXXX the car was totaled out in a car wreck and my insurance company national general paid the car loan off in full. i was told that the payment was sent to XXXX XXXX XXXX but somehow it resulted in a late payment derogatory being placed on my consumer report. i was not notified about a payment that was due i was told that the car was paid on time. on my consumer report it says that i have a late payment for XXXX but i have a signed check from my insurance company showing that the payment was sent in XXXX and my gap was covered shortly after also i have a written letter from XXXX XXXX XXXX stating that i am in good standing with them. i would like the removal of this late payment and this account immediately for i did not authorize or ask for any of this to be reported on my consumer report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint. 

Company will respond back asking for my social security number but cfpb advised against putting down my social security number. Inaccurate info with Chex systems. Scam organization
Product: Credit card

This account is closed since XXXX/XXXX/09 and still showing om my credit report XXXX.
Product: Checking or savings account

On XX/XX/2022 a purchase was made from my account using my debit card in the amount of {$1900.00} and all it said on my statement was " ORDER COMPLETE XXXX TX. '' I keep a pretty good record of what I spend in my account and do know of any large purchases made, however this was not a purchase I made. I didn't discover this transaction until about a month later and panicked, immediately I called the bank, they cancelled my card and said they would investigate the charges. I had just gotten back from a trip around the time this occurred so before I balanced my ledger with all my receipts I thought a few other charges looked suspicious too and included those in my claim. My claim was denied on XX/XX/2022 stating there weren't any false charges. At that time I realized that the only charge that was fraudulent was the {$1900.00} and I called them back, asked why they denied my claim, I assumed it was because of the travel charges that were definitely mine and had those removed. They came right back and denied the claim again stating it was not fraudulent. I asked them for the name of the merchant so that I could try and contact them and get a refund through the merchant, but they could not provide me with anything other than what was on my bank statement " Order Complete XXXX, TX. '' I no longer have the same phone service so I can't tell you what dates I called on, but I called three more times asking again for the contact name and number of who the purchase was made from, all three times, one involving a supervisor, I was told the same thing, they didn't have that information. Why would a bank approve a charge that didn't provide the name of the merchant? They said that I made other big purchases so it was not outside of my normal spending habits. That is not a good reason to approve a charge or to say it wasn't fraudulent. I know exactly what I spend, especially any big purchases, but this was not one of those purchases. I did not spend {$1900.00} and I have XXXX recourse with the bank since Capital One won't investigate further or even provide me the name and number of the vendor when the purchase was made from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

Fraudulent charges on my debit card totaling {$740.00}. Bank of America says they wont credit my account due to lack of evidence. The vendor never responded to BOA inquires. I do not recognize these charges. I want them to credit my account the {$740.00} but the refused! Claim # XXXX
Product: Credit reporting or other personal consumer reports

WITH RESPECT TO THOSE THIS MATTER CONCERNS, UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT, YOU ARE CLAIMING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVELY IMPACTED. MOREOVER, YOU CLAIM TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS.

UNDER 15 USC 1666B, A CREDITOR CAN NOT LEGALLY REPORT A PAYMENT AS LATE IF THEY HAVE NOT ENSURED THAT THE PERIODIC STATEMENT, CONTAINING THE REQUIRED INFORMATION UNDER SECTION 1637 ( B ), WAS MAILED OR DELIVERED TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE DUE DATE. SINCE THE CREDITOR FAILED TO MEET THIS OBLIGATION, I REQUEST THAT YOU UPDATE THE LATE PAYMENTS ON MY ACCOUNT TO REFLECT POSITIVE, ON-TIME PAYMENTS. 
I WAS ALSO REFUSED CREDIT BY THE LENDERS LISTED BELOW. ADVERSE ACTION AGAINST A CONSUMER IS PROHIBITED BY 15 USC 1691C AND 15 USC 1692K AND IS PUNISHABLE BY CIVIL LIABILITY. THESE BUSINESSES VIOLATED 15 USC 1691 BECAUSE I HAVE PROOF THAT I WAS THE VICTIM OF DISCRIMINATION DUE TO THE REACTION I RECEIVED. MY SOCIAL SECURITY ( MY CREDIT CARD ) WAS USED BUT RECEIVED NOTHING IN RETURN. PLEASE REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT.

YOU KNOW THAT REPORTING INFORMATION THAT CAN NOT BE INDEPENDENTLY VERIFIED IS ILLEGAL. PLEASE GIVE ME HARD PROOF THAT I AM RESPONSIBLE FOR THOSE ACCOUNTS IN LINE WITH 15 USC 1692G.

YOU ARE ALSO IN VIOLATION OF 15 USC 1681B BECAUSE I HAVE NEVER GIVEN YOU OR ANY OF THESE COMPANIES FORMAL PERMISSION TO DISCLOSE ANY INFORMATION ON MY CREDIT REPORT. THIS UNJUST AND UNFAIR TREATMENT HAS CAUSED ME XXXX XXXXXXXX AND XXXXXXXX XXXXLET ME REMIND YOU THAT ANY NEGATIVE ACCOUNTS/REMARKS ON MY CREDIT REPORT ARE ILLEGAL UNDER THE FCRA AND FDCPA IF YOU CAN NOT PROVIDE EVIDENCE TO SUPPORT THEM. I NEVER GAVE MY OFFICIAL CONSENT FOR THIS INFORMATION TO BE DISCLOSED. YOU MUST BLOCK AND REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT IF YOU CAN'T GIVE DETAILED DOCUMENTATION ABOUT YOUR VALIDATION, VERIFICATION, AND COMPLIANCE PROCEDURES.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

According to my credit reports from XXXX, XXXX, & XXXX, ProCollect is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State ProCollect Inc does not have a bond for the state of Texas to collect debt. ProCollect Inc is attempting an illegal practice of collecting debt in the state of Texas.
Product: Debt collection

Spoke with LVNV FUNDING LLC in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 and XX/XX/2020 I used Google Pay to request {$100.00} from my mother. Both transactions were deducted from her account. The transaction on XX/XX/2020 was funded from her bank account and the transaction on XX/XX/2020 was funded from her Google Pay balance. Because the transfers go directly to my debit card they are usually instant. However starting with the transaction on XX/XX/2020 the transfer never appeared in my bank account. I reached out to Google Pay and my own bank to see what happened and was told to wait up to 5 business days. However the payment never appeared and the same thing happened to the payment sent on XX/XX/2020. I reached out to Google Pay multiple times only for them to initially try to blame my bank but finally admit that the issue was on their end on XX/XX/2020. Google Pay has claimed they are working on this issue but have no date of resolution despite two separate {$100.00} transfers that have now gone missing. When Ive checked XXXX, it appears this is a widespread problem with Google Pay starting on XX/XX/2020. I would like Google Pay to either release the funds to me or to refund the sender immediately because holding funds without authorization for two weeks is ridiculous especially when this is clearly an issue with their servers.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of a refinance, it was brought to my attention of a purported debt owed to Nissan Motor Acceptance Corp. from 2015 which appeared on my credit report stemming from the end of a lease. At no point was I ever advised of this debt or brought to my attention to resolve it. This is because the debt was completely false. 

XXXX XXXX  ( my refinance company ) connected me with XXXX XXXX who called Nissan with me to figure out why it was there. During the call, they refused to remove the debt and insisted I owed it. To say they were rude would be an understatement. 

While on the call being accused of owing something I did not, I located the attached letter proving that my account balance is XXXX. I asked him if I can send it to him and he said fax only and they would try to get it resolved in 10-15 days. Since my closing is within that time period, I asked him to move faster and he refused. Instead he told be to call XXXX XXXX XXXX - which I did - who actually confirmed to me that they are showing that no such debt exists. 

While I am also faxing this proof to Nissan, their attitude and disregard for consumers who pay their bills in full is unacceptable and should not tolerated. I am reporting this as others should not have to deal with credit reporting issues which should otherwise not exist.
Product: Credit card

Sofi fraud case ID : XXXX Date filed : XX/XX/XXXX Last valid transaction : XX/XX/XXXX ( payment : {$1200.00} ) Suspected fraudulent activity : XX/XX/XXXX - XX/XX/XXXX Phone number on file is outdated- On XX/XX/XXXX - I called XXXX ( Sofi Customer service line ) - I do not know why it has not been updated. You can check on XX/XX/XXXX at XXXX ( 8 minutes outgoing call ) I have requested to change my phone number from : XXXX to XXXX. See screenshot XX/XX/XXXX I called in with my new phone number as well. So, please check your systems before denying my claim. If you called me anytime after XX/XX/XXXX then I did not receive it. I don't have access to the number ending in XXXX! A letter supposedly written and sent out on XX/XX/XXXX, BUT I didn't even get it until XX/XX/XXXX! Keep in mind, I'm a XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX I'm sorry it took me at least 4 days to get back, but I've tried to respond to it as soon as possible. The letter is attached as a reference. I've sent the requested informations to XXXX but I get no response/confirmation. I have timestamped emails - see screenshots as well. XXXX XXXX, XXXX - I received a letter, supposedly sent on XX/XX/XXXX? Stating that they have completed their investigation and that they have determined the transactions were valid and authorized. I am dumbfounded. Please check your emails - I emailed to the designated email address you have provided in the letters. - I called Sofi Fraudulent department today, they had informed me that they can't disclose any information or details on the case and wanted me to call someone named XXXX XXXX at XXXX for more information on the case. I've done everything I could to help with the investigation. It is Sofi 's responsibilities to keep customer 's information up to date and safe when it is provided to them directly. As a victim of identity theft - I am seriously disheartened how this credit card company is ran and I hope CFPB will be able to help. I'm just one person going against a huge corporation/company like this one. You can see my account is in good standing, I've been paying everything on time and never late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION OF 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for victims of Identity Fraud, Unauthorized Release of Information by Transunion/ Officers/ Employees to XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from AMCOL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMCOL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit 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 XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Debt collection

XXXX XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.