23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. All of my accounts were compromised and exposed to data breach. I initially requested for the fraud accounts and inquiries on my credit reports to be removed and they were but some of them are still on there. Please delete the late payment record from this account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. This account was stolen and caused that late payment which I just recently discovered. This account involved must also be changed to XXXXXXXX XXXX ', which is a revolving account, rather than XXXX XXXXXXXX XXXX XXXX If you can see also, I attached the screenshot of my account and to date and it reports 100 % paid on time. So please, delete the inaccurate information from my credit reports asap. I even already requested for this account to be closed because of identity theft. Please delete and remove it asap. I refuse to accept any inaccuracy on my credit reports. I don't understand why you got to reinsert it on credit report. I also need your help in deleting these fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC report and IDs. Thank you for your support.
Product: Debt collection

I entered into a consumer credit transaction with Wells Fargo XX/XX/2016. A consumer credit transaction is a transaction which a finance charge is involved. Pursuant to 15 usc 1605 A finance charge is the sum of all charges in a consumer credit transaction. Because I know a finance charge is the sum of all charges I was not expecting to put {$300.00} down to extended credit. XXXX XXXX XXXX has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX  credit report and was notified of an inquiry made into her credit file from three creditors concerning fraudulent applications submitted ; Capital One XXXX XXXX, inquiry made XX/XX/2018 ; formal dispute was submitted XX/XX/2018 ( no reply was received concerning dispute ) ; XXXX XXXX, inquiry made XX/XX/2018 ; formal dispute mailed XX/XX/2018 ( no reply was received ) ; XXXX XXXX, inquiry made XX/XX/2018, formal dispute mailed XX/XX/2018, ( no  reply was received ). A current XXXX  credit report still has these banks listing the now know fraudulent related data and each of these banks are in violation of my clients federal consumer rights.
Product: Money transfer, virtual currency, or money service

Dear CFPB I am an XXXX XXXX from XXXX who came to the United States to achieve a XXXX  XXXX as my initial plan. Now I am XXXX fXXXX at XXXX University, MD. 

I made my first payment for Bitcoin at Coinbase on XX/XX/XXXX and then around 30 more payments until the last payment on XX/XX/XXXX. I also bought Ethereum and Litecoin. 

I have verified my account with Coinbase such as uploading my driver license, connect with my bank account at XXXX  XXXX XXXX. At this time, I can fully control my account like send, withdraw, sell to USD. 

Importantly, my strategy is that I am a holder who buys and stores for a very long time like 5 years later, so I do not trade, buy and sell frequently. I just buy and hold. I do not check my account frequently. 

Then when the price of Bitcoin goes uptrend from XXXX to around XXXX this year in XXXX, I go check my account and Coinbase block me from fully control it. I can not withdraw, send to my hard wallet, software wallet as well. Coinbase asks me to verify my account again with Social Security Number ( SSN ). However, at the first time when I buy Bitcoin on Coinbase, Coinbase does not require me to have SSN or ITIN. At this time, I still can transfer my cryptocurrencies and fully control my account. 

I am just an XXXX XXXX who does not work, I just XXXX in the U.S for XXXX. So that I dont allow to have SSN or ITIN because I do not have the income to pay for the tax. I just buy it and hold for a very long time. I also have proof of document for my ineligibility to have an SSN from SSN Administration. 

Now Coinbase blocks me from using my coins. I believe in Coinbase and happy to pay a fee every time I bought coins as a loyal customer. This is very not fair for me if all my cryptocurrency being blocked from using which is bought from my own money. 

In addition, Coinbase did not send me any warning to my email or phone number that they change the policy for international students or customer who does not have SSN or ITIN so I can withdraw before they change it. 

I only have a valid driver license, XXXX XXXX for XXXX  XXXX, XXXX University  student id card, valid XXXX, valid XXXX and bank account from XXXX  XXXX XXXX. 

Thank you CFPB admin for concerning my case.
Product: Vehicle loan or lease

I went to trade in the vehicle at a local car dealership and when they were reaching out to banks for approval every bank they tried to get us approved for denied us due to the lender reaching out to Ally Financial and Ally telling the lender that we are delinquent on our truck and they have been looking for the truck to repossess it and that our account with them is closed, which isn't true. I call Ally to ask them to please provide me a letter that says that our vehicle is in fact not being looked for to repossess as our account is in good standing and this was false information. Upon further investigation the dealership said Ally hasn't been reporting our payments to the credit bureau so they are showing as not being paid and the account being in collections. When I called Ally Financial their side doesn't reflect any of this and they don't know what the dealership is talking about. I really just want the credit history to be resolved as this mistake by Ally has cost us points on our credit we couldn't afford to lose. Now we are stuck in a vehicle our family doesn't fit in due to their lack of communicating with the credit bureau. Any insight on how to resolve this issue is greatly appreciated.
Product: Credit card

We have large purchase payment plans setup with two credit cards we have with Chase. The stated interest rate is zero 0 % however on two of the payment plans, there are monthly fees assessed. We made larger principle payments on both cards with the intention of paying off those plans that had monthly fees assessed whereas leave the other zero percent plans that do not have monthly fees assessed with their balances. When we made the payments, Chase did not apply the payoffs to those plans with a fee as we intended so I called them to adjust those payments accordingly. They told me that it only applies the excess payments to the higher interest rate ( all of them are at zero % ) and then after that, it pays them down in chronological order. I complained that the ones with the fees applied is what we wanted to payoff and they said they could not adjust the payment to pay those off first. They said it was disclosed that way but I said that when any fees are applied, then that affects my effective rate and that those should be applied first if all were zero % and not in chronological order. To me this is adhering to their disclosure but their payment system is not compliant to Truth in Lending Act regulations. The Truth in Lending Act ( TILA ) requires creditors to allocate payments in a way that is most beneficial to the consumer. Since the zero-rate balances with fees have additional charges attached to them, those fees should be treated as finance charges. Under TILA, it would be appropriate to prioritize paying off these balances first to minimize the overall finance charges and interest accrued by the consumer. The fact that Chase says they payoff balances in chronological order and do not factor in balances that generate fees first is a violation of TILA. Please dont just close this complaint just on the fact that Chase replied back to me. Please research this to determine if this is in fact a violation of TILA!
Product: Debt collection

I made serval attempts to resolve this matter with this debt collector yet, they continue to false report inaccurate information.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, XXXX are reporting an unverifiable bankruptcy on my credit report. On XX/XX/year>, I spoke with a representative at XXXX and they confirmed I have NO bankruptcy on file. I would like each credit reporting agency to remove this bankruptcy from my report immediately. I have letters from the United States Bankruptcy Court and from PACER that they do not report to credit reporting agencies. There is no way for TranUnion, XXXX, XXXX, or XXXX to verify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my credit information putting myself and millions of others at risk. They have flagged me as a potential victim according to their equifaxsecurity2017.com website, and I would like a resolution to this problem. Equifax knew about this issue and waited days before making it public, putting my personal finances and those of others at risk.
Product: Checking or savings account

On XX/XX/year> I had received a direct deposit in my cashapp account for around {$950.00} the next instant I get notifications on my phone saying a bank card was linked to my account as well as a phone number and an email. Meaning mine was changed so I attempt to go back into the app when it tells me to sign in or create an account so I use my login and password and it tells me that it has 2 step verification and I would get an email though the email and phone number displayed wasnt mine so I immediately call cashapp support where I opened the first case and explained what happened they tell me Id here something within 10 days so I wait I call back 8 days later where they told me my case was denied to which I opened up a new case along with a complaint for not reaching out to me. Fast forward to today I call to get another update when I found it was denied again so I then ask to speak with a supervisor to which I was denied. I opened up a new case along with reaching out to you.
Product: Mortgage

I called and requested a 30 day payoff, I was told the steps I needed to take to get the information sent to me. I sent the fist letter on XX/XX/21, after not hearing from them, I reached out to them again and this time was told that I needed to sign the request and resend it. I did that and still no response. I have tried calling and getting no answerer, so I decided to fax then the same letter again to phone number that they provide on their statement XXXX, this number never picks up so the fax is no good either. My home is almost paid off, I just want to pay it off, any help that you can give me would be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX & XX/XX/XXXX ). Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thankyou for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX  complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Checking or savings account

XXXX : received email that Bank of America Advantage SafeBalance Banking Account # : XXXX was approved and opened. I never requested this account. 

XXXX : noticed monthly fees being charged to the account that I didnt open. After numerous phone calls BoA said they would refund the fees and close the account. Someone called back and said another department had to close the account. I called the other department and got transferred around some more, finally got someone to say they would close the account. 

Confirmed the account was opened with my social security number and a previous home address from XXXX. 

The account is still open today.
Product: Credit card or prepaid card

My family and I booked a trip to XXXX in XX/XX/XXXX to fly out in XX/XX/XXXX through Capital One Travel and my Capital One travel rewards credit card. The cost of the trip was a little over {$3200.00} When COVID hit in XX/XX/XXXX I started calling the Travel Center ( the number above ) to cancel our travel plans and I couldnt get through to anyone that would actually help me, most of the time I was put on hold and forgotten about or even hung up on. I had almost given up hope that we would be able to even talk to anyone about our booking and would not only lose out on our trip but also the money we put into it. As it was, I paid off the trip/the balance on the credit card and closed out my travel rewards credit card and my Capital One savings to end any ties I had with them other than the XXXX trip. Finally in a last ditch effort, 2 days before our flight I was able to talk to someone at the travel center who didnt hang up on me but they would not let me cancel the flight and instead made me reschedule my travel for within the year, despite knowing that COVID was not going to be gone in that time. Travel was rescheduled for XX/XX/XXXX and by XX/XX/XXXX I was calling Capital One for a cancellation and refund because there was no way we could enter the XXXX in XXXX, we werent even all allowed to be vaccinated yet at the time. My request to cancel was processed with the airline and after having to call and check for an update 3-4 more times between XXXX and XXXX I was finally reassured in XXXX, a week before the flight that my family and I would be receiving a refund for what was charged to my credit card ( {$3200.00} which I paid off in cash in XX/XX/XXXX ) and that everything was canceled and XXXX XXXX had finally returned the money to Capital One. By the end of XXXX I still had not seen a refund but one of the CSRs said to give it 2 billing cycles so I waited until XXXX to call back. I started calling in XXXX and I have been getting the same answer for over a month now with no refund issued. Everyone I speak to says theyre not sure what happened in XXXX and dont know why I wasnt refunded but that the accounting dept has to issue the refund and they cant be reached by phone and they cant do anything more than ask accounting to complete my refund. I have spent hours on the phone begging and demanding a solution, even breaking down and crying when the CSRs claim to understand my frustration but continue to have no solutions. The charge on my credit card is entirely disputable now in my opinion because Capital One was supposed to be providing a service which I did not receive. And because I paid them in full and closed my account they have no option for me to dispute the charge on my online account. I believe they fully intend to keep my refund and simply hope that I go away.
Product: Mortgage

There is a full deposition of the stamped fraudulent signature of  XXXX   XXXX  entered into a court case No. XXXX  In the United states court of appeals for the fifth circuit which is also stamped on our note this by law makes the note void
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my Equifax, XXXX, and XXXX report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the mailing address to send in the requested documents that prove my identity. 

I requested a free credit report and I was sent a letter asking me to prove myself but no address was listed. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2021, I noticed a collection appearing on my XXXX XXXX XXXX Credit Reports from Southwest Recovery Service in the amount of {$3100.00}. I have no knowledge of the collection agency or the original creditor, therefore I disputed with account with both XXXX XXXX Credit Bureau. I received XXXX XXXX XXXX 's results within 30 days and they stated the account was verified. So in XX/XX/2021, I wrote a dispute letter to the collection agency with the address provided by XXXX report disputing the account directly with the collection agency. I received the returned letter back stating the address was undeliverable. Then I checked my XXXX report, because the address for the collection agency was listed differently on the XXXX report and sent a 2nd dispute letter to the address listed on XXXX credit report and again the letter was returned to me as the address being undeliverable. Then in XX/XX/2021, I wrote to XXXX and XXXX credit bureaus requesting removal of the collection account due to the address being inaccurate. I received a response from both credit bureaus again stating the information is verified. I am requesting that this account be removed permanently from my reports. I have attached documents for your review. 

Thanks in advance
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 my identity was leaked in a breach including address, name, social and bank account info. I contact said credit bureau and made them aware of the situation and proceeded to dispute, a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/2024. My ftc report # XXXX the following account is fraudulent and was opened without my knowledge or consent XXXX : XXXX XXXX XXXX
Product: Credit card or prepaid card

In the last week of XX/XX/2022, I received an email from Capital One concerning a charge made on my credit card. The email asked if this was a legitimate charge or a charge that I did not make. I responded that it was a charge I never made. I then phoned Capital One and told them about this problem. The person I talked to said they would delete this false/scam charge and would close my particular credit card and send me a new one. They never sent me a new card, nor did they close the credit card I had been using. 
Then in the first week of XX/XX/2022, several more charges by the exact same company XXXX XXXX, a XXXX company that does not deal with americans ) were placed on my credit card. I then phoned Capital One again and sent them a picture of my drivers license. But they never wrote back to me and did nothing to remove the fake/scam charges or to close that particular account and issue me a new card. So I phoned them again and they said they did not receive my driver 's license. So they sent me another email asking for my drivers license and I sent it again. Then at the end of that first week of XXXX, XXXX other scam charges from another organization ( WA XXXX of XXXX ) were placed on that credit card, both of them for {$200.00} each. 
So I then sent a letter with all the information on all the false/scam charges placed on my card to the Capital One office in XXXX XXXX XXXX XXXX Utah. In that letter I gave them the specific charge information for all of the then 7 different false/scam charges and asked them to get these charges removed and to close that credit card and send me a new one. I included a printed copy of my drivers license.

I received a letter from Capital One stating that they had credited my account for {$200.00}, stating that this was " ... the amount you are disputing '' when in fact I had made it clear that I was disputing all 7 fake/scam charges placed on my credit card. 
As of today ( XX/XX/2022 ) there are now 3 more fake/scam charges placed by the XXXX company XXXX There were actually 4 of them placed today, but one of them was credited/cancelled. But the other three new fake/scam charges are still in the " pending '' section of my credit card account. And there are now still 5 fake/scam charges from XXXX and 1 of them from WA Secretary of State.

So I phoned Capital One again and they finally made clear to me that they needed photos of both sides of my drivers license, something NO ONE had ever emailed me or phoned me about previously. So today I once again was sent an email with the program for sending them my drivers license, and this time I sent them both the front and back of the license. 
Hopefully Capital One will FINALLY close this particular card number and send me a new card, AND remove all the now 9 fake/scam charges that have been placed on this card. But they have been completely incompetent and extremely unhelpful in dealing with these mounting fake/scam charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX was financed by XXXX XXXX XXXXXXXX XXXX XXXX  IL. I lost my job in XXXX of XXXX ( XXXX XXXX ) and fell behind on my payments. 
On XX/XX/XXXX. XXXX the vehicle was repossessed by XXXX XXXX XXXX My balance with XXXX XXXX XXXX at the time of repossession was {$9100.00}. + Repo Fees. which were in the excessive amount of {$4200.00} bringing the total amount to {$13000.00}. This is the amount that shows up on my credit report with Experian and XXXX XXXX credit Bureau 's. The amount of {$13000.00} is incorrect and should be less after the vehicle was sold privately or at auction. 
By the laws of the state of Illinois I'm only responsible for the Deficiency balance. I've spoken to XXXX XXXX at XXXX credit on this matter several times and asked him why he never provided me with a Deficiency notice for which he's bound by law to do according to the laws of the state of Illinois. 
I'm asking for this agencies help in getting the Deficiency balance from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Thank You XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Stellar Recovery is practicing unlawful credit practices. They are reporting a collection and flagging my credit report through XXXX weekly which has caused my credit score to drop by several points on a weekly basis due to their " updates ''. They should not be allowed more than the initial time of reporting the debt. 

They initially reported a collection from XXXX in the amount of {$190.00} on XXXX then flagged my account again on XXXX then flagged it again on XXXX. My credit score decreases between 3-6 points each time after a flag or " update '' as they call it. This is unacceptable and should be against the law. I need them to delete the two flags on my account and discontinue this practice. 

Also, I 'm currently waiting on Stellar Recovery to send me proof or verification of this debt.