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

Hello my name is XXXX XXXX, I am a citizen of the United States. I have had an account opened with Coinbase which is a cryptocurrency exchange. On XX/XX/2019 at approximately XXXX XXXX I initiated 4 transactions on Coinbase from my XXXX bank account. The first transaction amounted to XXXX , second one was XXXX , 3rd one was XXXX $ and the last one was XXXX XXXX Before doing those transactions I had crypto currencies valued at XXXX $ at the time. Upon reviewing my account and transaction I realize that a XXXX was added to everyone of my transactions which I am certain was not a mistake on my end due to the fact that I review every transaction before completing it. These purchases were initiated via ach transfer.. I attempted to cancel these transactions but upon reviewing Coinbase user agreement terms I learned that once a ach transfer is started there is no way to stop it. 2 days later my Coinbase account was blocked due to failed payment and the XXXX $ which I had in my account. Coinbase has begun liquidating my assets stating that I owe them XXXX , I have contacted numerous times there customer service department but was unable to get any assistance. Coinbase is basically robbing me of my money due to a technical error on their end wether it was intentional or not I am not aware. I hope that this department will be able to assist me. My case number with Coinbase is XXXX.
Product: Debt collection

IQ DATA OPENED XX/XX/2019 {$4500.00} I HAVE CONTACTED IQ DATA SEVERAL TIMES FOR VALIDATION OF THIS DEBT AS IT DOES NOT BELONG TO ME AND IT'S BEEN A YEAR AND I HAVE STILL NOT RECEIVED ANY VALIDATION REGARDING THIS ACCOUNT. THE CREDIT BUREAUS XXXX, XXXX  AND XXXX  CONTINUE TO VALIDATE BUT I CAN'T GET ANY VALIDATION FROM IQ DATA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed package XX/XX/2022 to Experian with astronomical amounts of incorrect/ inaccurate and incomplete information my credit report. I asked Experian to correct all the information or delete the accounts. Due to these inaccuracies and incomplete information on my report it leads me to believe that my previous disputes were not address or investigated nor were they validated or verified as it pertains to most of the same accounts disputed. How can Experian have verified/ validated these accounts when they have inaccurate and incomplete information? This is very concerning to me as I as the consumer are not being taken serious and do so believe that no real investigation has ever been done by Experian due to the inaccurate information and incomplete information which I determined from Experian own report that I received. I need these matters to take immediate attention and for these matters to be resolved without delay. I would love to get an answer as to how they investigated/validated/verified these disputes and my previous disputes and what companies they used to do so. I would also like to know how they came to their conclusions when they are reporting inaccurate and incomplete information then wouldn't that mean that their results would be inaccurate and incomplete and therefore in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being denied for a credit card, I accessed a copy of my credit report, and found accounts reporting on my credit report in my name that I did not open or authorize ( XXXX  XXXX {$460.00}, IN FRAUDULENT CHARGES, XXXX XXXX XXXX  {$1900.00} IN FRAUDULENT CHARGES ). After contacting local authorities I was told that Due to the covid-19 I was not able to physically go to my local police station to file a report, but was told to file a police report online, and I would receive a police report number., And was also told to make an identity theft report with the FTC and send the documents to the 3 major credit bureaus and to each creditor. Equifax has not investigated nor responded to any of these fraudulent claims. I have included a copy of my FTC report, to support my claims of identity theft, I XXXX XXXX XXXX the XXXX, also have included a photo copy of my Michigan state identification, and social security card so Equifax can successfully identify me and not close this claim because of identity reasons. This complain was sent and is authorized by me XXXX XXXX XXXX the XXXX
Product: Credit reporting or other personal consumer reports

I need to know what is the date of first delinquency, date of charge off, and date of last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account 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, credit repair services, or other personal consumer reports

Credit agency ( 3 in total ) won't remove my discharged loans. I have made multiple dispute requests since discharge. ( XXXX approved full discharge of all loans ). I have even tried to understand how they made it to the credit agency because they were. Not classified in default or late. I was on an approved payment plan/income program with lender and the loans are sitting in multiple credit agencies. Explained to credit agency that XXXX approved full discharge, I mailed paperwork dated XX/XX/2023 of approved discharge and letter regarding loans being removed. Credit agency won't remove discharged, they are leaving them on to XXXX. Its illegal to leave discharged loans in credit profile. 


Other issue is XXXX loan was fully paid off and balance is incorrect. XXXX said they would have debt removed. Vehicle was in accident and Insurance paid out check with gap insurance finishing the final payment. Car was fully paid for in full.
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, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A personal credit card account opened with XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A collection account with XXXX - XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). 

A student loan account opened with XXXX on XX/XX/XXXX under the account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be repaired ASAP. Thank you. 
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: Payday loan, title loan, or personal loan

The initial loan taken out in Virginia was made by me in store. There several other loans that were taken out in my name that do not match my bank statements. There are no deposits to my account on dates that have loans taken out by OMNI financial. I spoke to company to try and pull loan documentation they sent me over loan papers that dont even have a signature and some that dont match my signature. The initial store doesnt exist no more so they said that those documents they can not find. I have been paying this loan off for years and should have been done. This is directly affecting my lifestyle in the military. I cut the loan off from direct deposit because I shouldnt have been paying this loan for these many years. The company is not trying to help at all every time I speak to someone they just ask where is the money. It took them so long to just send the statements I asked for twice.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

15 usc 1681s 2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

I have a Wells Fargo Mortgage and I setup payment through there website where they automatically withdraw the payments every XXXX week plus additional funds towards the principal. What I noticed is that they dont apply the payment at the time of withdrawal, they put it in unapplied funds and when they get the second payment, they apply the funds. I contact them and they said this is their policy. I received a letter from them explaining the process see enclosed attachment. There are some fundamental mis-statements in their letter. 
1. We can conform that the benefits of the Bi-weekly payment option is that you do not incur additional interest while the funds remain in the unapplied funds account. This whole section in the letter is a complete lie, if I call them and ask them what the payoff is on the mortgage it changes daily based on the interest owed. This contradicts what they are claiming in the letter. 
2. They go on to state The date the payment is received or applied is not a factor in the amount of principal and interest due each month. This is clear not correct see enclosed document tips to pay off your mortgage faster from Wells Fargo it clearly lays out the interest savings by paying Bi-weekly. The letter provided by Wells Fargo contradicts their very own website enticing people to setup bi-weekly payments to save interest. Enclosed is the link to the document in Wells Fargo site XXXX XXXX XXXX XXXX. They claim in the letter that I was aware when setting up Bi-weekly payments that the payments would not be applied until the full amount of the monthly mortgage payment is made. To prove them wrong I have cancelled my Bi-weekly payment on the Wells Fargo website and then I re-established them. This time I took a screen shot of every page and all the terms, see enclosed. I also provide the confirmation emails from Wells Fargo I received. No where does it state bi-weekly payments will not be applied until the full amount is collected. 
In summary Wells Fargo is deceiving mortgage holder by advertising bi-weekly and other payment incentives to reduce interest when in fact it is a way for them to get a free loan in my case for XXXX weeks while charging me interest on my principal mortgage balance. Their advertisements and terms contradict of setting up bi-weekly payments for mortgages contradict what they claim after the fact. The terms of the Bi-weekly payment are clearly listed at the time of setup of the Bi-weekly payment on the Wells Fargo website, see enclosed screen shots. No where in the terms does it state what they are claiming. At best this is deceptive marketing practice on Wells Fargos part. 
I have also enclosed a statement that clearly shows how the payments are unapplied. 
I have also enclosed a conformation email of me setting up the new bi-weekly payments please so they cant say it has changed this was done on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX, Account name : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Account name : # XXXXXXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I traded my vehicle in on late XXXX. I had an extended warranty through SunTrust. The dealership sent the check for the remaining warranty reimbursement to SunTrust in XXXX. I called SunTrust to inquire about my refund and they informed me since my loan was closed, they send the check back to the dealer and then the dealer will reimburse me. I contacted the dealer on XX/XX/XXXX for a status and they informed me SunTrust cashed the check on XXXX in the amount of {$580.00}. I called SunTrust Loan servicing and they informed me the check was sent to dealers services and the man on the phone could not help me. He sent me to SunTrust Dealer Services and the man that answered the phone told me they only talk to dealers. I explained the situation and he said he will get is supervisor on the phone. He transferred me to a number that does not exist and I was cut off. I called back and a woman answered. I explained the situation again and she gave the supervisors direct number and said she would transfer. Again I was cut off. I tried call in the supervisors direct number and it is a number that is not in service.
Product: Debt collection

He starts out by saying he is representing an Attorney, I believe this was stated to intimidate me. They call 5 or 6 times a day. I told him to take my number add it to the do not call list, and to send mail. I don't know who this company is. Normal Attorney 's don't call incessantly. They try intimidation by insinuating you are being sued. When all they are is a debt collector with shady dealing.
Product: Credit card or prepaid card

A total of XXXX credit lines were opened under my name which I had no idea about The first credit line was for discover a total credit line of XXXX Discover claimed to flag the account as fraud and is under investigation Second credit line was not used, but still opened under my name The bank was : Ads XXXX XXXX A total credit line of XXXX Still trying to contact company Many inquiries were also ran without my consent
Product: Mortgage

I attempted to get a property modification for my house at XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) times. They never responded with a answer. This is a violation of federal law. They have violated my Constitutional rights under the 5th and the 14 amendments. No person shall be denied the right of life liberty or property without due process. They have also been investigated under the RECO Act and have had many class action suits against them. I'm a XXXX XXXX XXXX XXXX  and living in a basement because of their actions. I have contacted the XXXX FBI Banking commission and now your office. I'm also going to contact XXXX to get the information out.
Product: Credit card

I opened the US Bank Business Leverage card on XX/XX/XXXX. The new member bonus at the time was XXXX points ( worth {$900.00} ) after spending a minimum of {$7500.00}. I completed the minimum spend in XXXX. My bonus did not post after the statement closed in XXXX. Then, I contacted their customer service in XXXX and the agent assured ( lied to ) me that the bonus would be posted after the statement was closed in XXXX. My statement closed on XX/XX/XXXX, but I did not receive XXXX points as promised. The statement showed that I earned only XXXX points. I spoke with an agent named XXXX over the phone on XX/XX/XXXX, and he was clueless as he was telling me it would another 120 days to receive the points ( you have to spend {$7500.00} within 120 days to get the bonus ). I checked the terms of the card ( picture attached ), and it states XXXX weeks after completing the spending requirement. It has been XXXX weeks, so the points should have been posted after the XX/XX/year> statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, SUNTRUST XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Debt collection

Company repeatedly calls asking for someone named " XXXX '' and wont stop calling despite being asked to do so.
Product: Student loan

Over the course of the last 3 years I have contacted my loan service to ask for accommodations regarding the monthly repayment amount. AES was the initial servicer. I read in the news about Public loan forgiveness. I was told by AES that my loans needed to be direct fed loans. I completed the process as advised by Fed student aid or studentloans.gov to consolidate my loans to become fed direct. Therefore qualifying for public service forgiveness plan. Upon completion of the consolidation I was told I do not qualify for the public forgiveness because I am not on an Income based payment plan but if I applied and approved all payments made to date as direct fed loans would count in the forgiveness plan. I was denied IBR. My combined income was too much. 
Recently my wife lost her job and I called studentloans.gov to get help. They said I can not reduce my payments any further than $ XXXX/mo. Unless I was on the IBR. on XX/XX/XXXX I completed another IBR application due to my wifes loss of income. When I was done submitting the rep on the phone told me that none of my previous payments would count as Public forgiveness even if I was approved for the IBR. 
My issue is with the loan amount and the monthly repayment. The rep at studentloans.gov told me that $ 200+ is going interest and not principle. I am XXXX and based off of the current repayment plan I will never pay this off. We are struggling to get the monthly amount paid and it is causing hardship at home. Since graduating college in XXXX my loan amount has INCREASED due to needing forbearance many times. 
I need help! I have talked to my loan providers on 8 occasions and have received many mixed messages from the different reps. Only once did they offer or talk about IBR as an option. No other help was given. I had to seek information about public service forgiveness on my own and only then did they talk to me about it. I simply can not pay $ XXXX/mo. That is an unreasonable amount. I am a federal employee so my job is at risk as well. If these loans go default they will terminate my employment. If they garnish XXXX/mo we will lose daycare for my youngest child and not to mention my credit report will suffer greatly. I have reached out to fedloans.gov and studentloans.gov as well as the schools I attended and no one is able to assist. I have asked the universities to provide me with a statement of costs for the classes I took. All of them have said they cant give me that. I want to know if my balance is even legit or have I been double charged or charged out of state tuition when I was actually a resident. Please help.
Product: Credit card or prepaid card

On XX/XX/XXXX, I get email informing me that I had open a new credit card and was over the limit. I checked my credit report and it shows a new credit card with a balance over {$3000.00} I called AVANT LLC/ XXXX XXXXl and was informed that their fraud department will look into. I never applied nor any of the three credit agent report that I applied and my credit report was pulled to open this new credit card. On XX/XX/XXXX, I called XXXX credit report and their fraud department need a report from FTC and copy of my drivers licence. Why would not credit card company process an application without no securities checks????? My ID has been stolen. Please help. I would like proof from AVANT showing where this application was submitted and what securities measure was taking to give out this new credit card. I live in the same address for the past 10 years. My cell phone is XXXX and my email address is XXXX XXXX