23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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. 

I would like to have the account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report negative accounts on my report that do not belong to me. They are in violation of the FCRA. I have tried to dispute these accounts with Equifax to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 

Last XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Money transfer, virtual currency, or money service

Complaint Against Coinbase Reference : Case # XXXX Nature of Complaint I am filing this complaint regarding Coinbase 's : 1. Discriminatory refund practices 2. Inadequate security measures 3. Pattern of closing multiple fraud cases without resolution 4. Failure to properly investigate unauthorized transactions 5. Systematic practice of ignoring customer complaints Pattern of Negligence Multiple support cases were opened for the same unauthorized transactions ( Case # XXXX, XXXX, XXXX and XXXX ) Coinbase repeatedly closed these cases without resolution Final case ( # XXXX ) also closed without proper investigation Research reveals numerous similar lawsuits from other Coinbase customers facing identical issues On XX/XX/XXXX, after multiple failed resolution attempts, I : o Made final demand for resolution o Withdrew all remaining assets from platform to prevent further risk o Informed Coinbase of intent to pursue regulatory and legal remedies Incident Details On XX/XX/XXXX, my Coinbase account experienced unauthorized withdrawals totaling {$12000.00} : {$9700.00} at XXXXXXXX XXXX XXXX {$1500.00} at XXXX XXXX  XXXX {$940.00} at XXXX XXXX  XXXX Coinbase confirmed these transactions were initiated from an unauthorized IP address ( XXXX ) using a XXXX XXXX device. 
Primary Violations 1. Systematic Case Mishandling o Multiple cases opened and closed without resolution o Pattern matches complaints in existing class action lawsuits o Demonstrates systematic failure in customer protection 2. Geographic Discrimination o Coinbase explicitly on the phone denied my refund based s on geographic location o Company confirmed New York residents would receive refunds for identical circumstances o This represents potentially discriminatory practices in violation of consumer protection laws 3. Security and Response Failures o Failed to prevent multiple successive unauthorized withdrawals o No fraud detection system flagged unusual withdrawal patterns o Multiple support cases closed without resolution o Pattern of similar incidents reported by other customers Actions Taken 1. Filed police report 2. Completed account recovery process 3. Documented all unauthorized transactions 4. Maintained extensive correspondence with Coinbase Support 5. Made final attempt to resolve on XX/XX/XXXX 6. Withdrew remaining assets to prevent further unauthorized access 7. Researched similar cases and class action lawsuits Supporting Documentation Available Multiple case numbers and correspondence Police report Transaction records Email correspondence with Coinbase Account activity logs Documentation of similar cases and lawsuits Requested Action I request that CFPB and SEC investigate : 1. Pattern of systematically closing fraud cases without resolution 2. Coinbase 's discriminatory refund policies 3. Relationship between my case and existing class action lawsuits 4. Adequacy of their security measures 5. Compliance with consumer protection regulations Contact Information Name : XXXX XXXX Phone : XXXX Email : XXXX Case Reference : # XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX I received an email notification of recent card activity stating a purchase was made at XXXX XXXX XXXX XXXX XXXX in the amount of {$2400.00}. I immediately called to report this transaction as fraud. The dispute team was closed and I was informed to call back during regular business hours. I called and successfully opened a dispute on XX/XX/2023. Upgrade requested XXXX single document on XX/XX/2023, " A written statement describing the situation that led to your dispute ''. They requested to receive this statement by XX/XX/2023. I submitted this information in a provided statement sent via email on XX/XX/2023. The Upgrade team then responded via email on XX/XX/2023 stating " we do not have enough information to conclude our investigation and still need you to provide the following documentation - We would like to have a complete police report ''. I submitted a police report with the XXXX police department on XX/XX/2023 and I called to inform Upgrade that my police report will be emailed over once I receive the official report ( an online submission grants an unofficial report ). Upgrade closed the dispute on XX/XX/2023 marking me as responsible for the transactions stating the police report was not received. The XXXX XXXX department was backed up and slow in processing reports, I called upgrade requesting them to re-open the dispute and they informed me on the phone that I can call back to re-open the dispute when I have the official police report in hand. I received an email on XX/XX/2023 stating that my police report was available. In calling today to send over the information, I've been told that I'm responsible for the charges and must make a payment of {$100.00} by XX/XX/XXXX since my dispute was declined. 

It's worth noting that my upgrade card has actually never been swiped or used. It is a dormant card and before authorizing this purchase, some sort of verification or authentication process should've been followed. Upgrade representative states " Upgrade is a growing company and unfortunately does not have those types of security measures in place. ''
Product: Vehicle loan or lease

Good Afternoon : I was sold a vehicle with a rebuilt title during my bankruptcy proceeding. Since I had the vehicle from XX/XX/2016 there have been major over hauls done on it about {$5000.00} worth. In XX/XX/2016 while on Family vacation in XXXX the truck stopped on us and would not restart. I purchased a battery and new starter neither of those fixed the issue, so my brother ended up towing us to XXXX. 

I emailed XXXX XXXX XXXX the Vice President of XXXX XXXX   and XXXX XXXX a account rep on XX/XX/XXXX. I asked them to come get the vehicle because I was not going to pay for a truck again that I could not drive they have not came yet. XXXX XXXX keeps calling and sending emails saying I can't run from my responsibilty and that I still owe a debt. I emailed agin on XX/XX/XXXX and no one has come get the vehicle. I need them to one STOP CALLING MY JOB. We can't receive personal business call and two come get their vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX calls my job again I will pursue legal action against her and XXXX XXXX.
Product: Credit card

Lowes closed my card stating that was because my credit was showing late mortgage payment, I believe mortgage and card are different types of credit ; I always paid the card every month, so I believe this action from Lowes should no happen.
Product: Student loan

I have close to {$100000.00} in student loan debt, {$20000.00} of which is funded by Sallie Mae/XXXX. 
Sallie Mae/XXXX refuses to work with me and demands that I pay {$320.00} a month or more on this debt with 10 % interest. Everytime I call a representative tells me that is my only option, or I can default. Then they state that if I default there might be some help for me but they do n't know, and there 's nobody I can talk to about it. It is unbelievable
Product: Credit card

I have an American Express Business credit card. On XXXX XXXX, 2016, I called American Express and inquired if I used the card for a transaction and would it qualify for Pay over time option. I was told yes. On XXXX XXXX, 2016 I received an email saying my account may be suspended. I called American Express and after being transferred several times I was told that until I pay the balance down some my account will be suspended. I was also told that the charge I made on XXXX/XXXX/16 will be on the Pay over Time on my Billing Statement. On XXXX XXXX, 2016 I received my Electronic Billing Statement which stated I need to pay the total amount of the charge from XXXX/XXXX/16 ( {$15000.00} ). I called Customer Service once again I was transferred several times until the last person was suspose to be in the credit department. She suggested that I pay the total amount by the due date. I advised her that I do not have the money to pay that balance, that 's why I called before I used the called for the tranaction for approval. She told me that American Express can revoke the Pay Over Time Privilege anytime they wanted to even after you were told it qualified. Again explaining I do not have that total amount what other options do I have because I do not want a negative credit rating on credit report. She told me the best they could do is for me to pay {$1300.00} that day XXXX/XXXX/16 and pay {$450.00} with a XXXX interest rate for 36 months. I explained I did not have {$1300.00} that day. She told me if you do n't except these terms today it would change. American Express should tell some XXXX they are approved to make a transaction and be allowed to Pay Over Time if two weeks later they change their mind and say " No WE want You to Pay the Total Amount Now ''.
Product: Debt collection

They sent this. I dont owe anything. 

XXXX, we have limited time to work with you before we return your XXXX XXXX XXXX XXXX account to our client. See your options at XXXX XXXX XXXXXXXX or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX business credit card that showing on my credit report. 
On XXXX, i contacted XXXX  XXXX that i was having hard time paying the bill due to COVID-19. XXXX XXXX has been closed due to impact. When i contacted the XXXX XXXX they seemed like they understand the situation. And the system automatically generated new payment options so i thought it was good. However, the company reported my payment has been late even though i explained that XXXX XXXX was affected by COVID-19. But, they still reported the credit bureau and it still shows on my credit report that i was late even though it was XXXX XXXX credit card. I applied for EIDL loan for help but i got declined EIDL loan from the government due to credit score.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Account Reporting XXXX XXXX Dear Credit Bureau I am writing to formally request the removal of an inaccurately reported late payment on my credit report regarding my XXXX XXXX account. The reported late payment is incorrect, as there was no late payment due on the account. Furthermore, XXXX XXXX failed to comply with the procedures outlined in 15 U.S.C. 1666b regarding the proper reporting and notification of late payments.

According to 15 U.S.C. 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless they have mailed or delivered a billing statement at least 21 days before the payment due date : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that periodic statements are mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX failed to follow this requirement, making their reporting of a late payment inaccurate and unlawful. Due to this violation of federal law, I am requesting the immediate removal of the XXXX XXXX account from my credit report. 

Additionally, these late payments have been reported inaccurately on my credit report, and the law clearly states that all information on a consumers credit report must be reported accurately. As this inaccurate information is in direct violation of the Fair Credit Reporting Act ( FCRA ), I request that all late payments be removed from this account and that the account itself be deleted from my credit report. 

If XXXX XXXX claims that they have followed the proper procedures under this law, they must provide documented proof of compliance, including verifiable evidence such as a tracking number or other confirmation that the required notice was delivered. If they are unable to provide such documentation, then this inaccurate reporting must be deleted from my account immediately. 

Please investigate this matter and correct this inaccuracy as required by federal law. I expect a written confirmation of the removal of this account and all associated late payments from my credit report within the legally required timeframe. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Attached, you will find supporting documentation regarding this dispute. Please update my records accordingly and provide written confirmation upon resolution. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX I called Ocwen to start taking auto payment from my bank account # XXXX, for my mortgage payments. Before hanging up, the rep said ' We see where you have a negative balance in escrow, we divided by 12 months and came up with {$490.00} and added it to your {$680.00} modification payment. You new payment in XX/XX/XXXX is now {$1100.00} '. At the time, I was on an approved modification and my payments were approved for {$680.00}. I had only been on the modification for two months and was current with my payments, when they changed my payment without notifying me first and then tried to take the {$1100.00} instead of the {$680.00} without my knowledge or approval. I informed the agent at the time, I could not afford the amount of {$1100.00} because I am on a fixed income and my social security income was only {$1100.00} and a discontinued pension of {$640.00} until I reach the age for full pension, which is why I signed up for the modification to begin with. He told me to try it for a year and then ended the call without any further assistance. I tried sending a payment of {$710.00} in, which would have covered my approved modification payment but the y sent my payment back and I do have paperwork that they sent me, showing where I sent in my payment and they refused the payment and sent it back. It has been a nightmare from there and I have been fighting to keep my home ever since then. I have been turned upside down with my payments, at this point. My payments of {$680.00} where being sent to my escrow and the {$700.00} for XX/XX/XXXX was returned along with several other payments, with them stating I had to pay {$3000.00} overage first, before they would accept my approved modification amount. Since XXXX, Ocwen has changed the {$1100.00} payment to smaller amounts of {$600.00}, {$740.00}, etc., but still refuses to accept actual payment from me for the smaller amounts. Now when I put in for a modification, they are all being denied. I have a sale date of XXXX and is frantic with trying to save my home of XXXX years.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CahsApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Cusumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective on their platform, leaving my account vulnerable and in unprotected. Futhermore, their dispute as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And Regulation E.These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal and blocking of fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B. The accounts listed below are the result of identity theft and do not belong to me. Account : XXXX XXXX XXXX XXXX XXXX XXXX..
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act, This account : XXXX XXXX XXXX # XXXX {$720.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

This is the fourth time, I am writing to dispute several hard inquiries that appear on my Equifax credit report. One inquiry was removed, but 4 others were not. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 1. XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXX through today ( XX/XX/XXXX ). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails, XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.
Product: Checking or savings account

On XXXX XXXX a person called me, pretending to be USAA spoof from a phone number that looked identical to my bank. He told me he was from the fraud department collected. My had already collected all of my information on my account login to commit a scam telling me he was from my bank fraud department while we were on the phone. He transferred money around and threw XXXXXXXX XXXX to an account he had established. I told USAA immediately to stop the payments on this when I figured out that it was a scammer, and they clarified they had not called me, however they would not stop the payment and now they will not refund me for fraud or do anything about the scam that happened to me
Product: Student loan

My loans were forgiven in XXXX of 2022 However, I had filed a borrowers defense case against XXXXXXXX XXXX and I was approved for discharge. 

I should be receiving a refund on those payments made prior to the forgiveness. 

I am now with a degree that I was promised career choices with and that did not happen. I spent two years working so hard on this degree with the intent of transferring positions to find out the degree did not allow that. 

I am now in the discharge group, I have contacted Department of Education in regards to my payments refunded, they told me to contact Mohela. After 4 failed email attempts, I called and was told they don't know anything about the discharge or refunds. 

I made payments and need the money returned for this loan
Product: Mortgage

I have been trying to refinance a current loan with the same credit union, the process began on XXXX/XXXX/2015 and I am still trying to close ; I have responded to all requests in a timely manner - with the exception of a request for association condo insurance coverage, which finally got resolved. I feel that I am getting the run around and I do n't know why, I am now responsible for charges of over XXXX dollars regardless if the loan is processed or not.
Product: Credit reporting or other personal consumer reports

I recently a reviewed in my credit report I noticed on my account that was not reporting actually I had late payments one an account that I was in fact paid on time the consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payment I leave attached a copy of my report to this complaint on the following dates I'm now requiring investigation to providing viability proof with records showing that I had late payments if this information can not be verified I demand this payment be updated to paid on time immediately thank you for your understanding and promote action
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a open account with a company and disputed the balance. The account originally fell delinquent in XX/XX/XXXX. Somehow a new debt collection company purchased it and change the age date on the loan twice to XX/XX/XXXX and then again in XX/XX/XXXX. The Delinquency should be close to 6 years old now not 3. I think they re-aged the account on  purpose.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.