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

After carefully reviewing my EQUIFAX credit file I noticed a debt from XXXX XXXX open XX/XX/2017 with a balance of {$400.00}. I am not for sure who the company is or where the debt has come from, however debt is a result from my identity theft, as I am and identity theft victim. I have never had an account with that company or any services. I have submitted numerous letters and have reported my identity stolen in regards to this debt and have forwarded over the proper paperwork to EQUIFAX- however this credit bureau continues to leave debt on my credit file unidentified and unverified. EQUIFAX did remove this debt from off of my credit file, however upon recent review they have placed it back on there and they are fully aware this debt does not belong to me and it is a result of identity theft. I am requesting this item be remove once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following 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
Product: Money transfer, virtual currency, or money service

ok heres the situation ... i have two cashapps due to the reason my friend couldnt send money to me from my account in XXXX which was extremely weird cause he used to always send me payments after payments then out of nowhere he cant send me.smh soooo i created another cashapp account under the email XXXX i told him to send me the money to the new account i created. which is XXXX he sent it and i confirmed it. then when i went to go send that payment to my husbands account due to me not having a card yet it told me i cant send payment i then received a email stating that my account is being closed why is that?? It was a brand new account no need to close it. i need my account XXXX to stay open due to me having a postive balance of money on the account that i need. Please help me thank you. i cant get ahold of my funds. My cash app name is XXXX XXXX i did my search on what it could possibly be and i have seen aloottt of forums with cash app or square stealing information and money from peoples account this is not right at all and i have my bank information linked to cash app uggggh. Please lets bring Justice to all thats going on and help avoid the problems from anyone else.
Product: Debt collection

XXXX   Closed Submitted Status Submitted to t he CFPB on  XXXX  ProductOther ( i.e. phone, health club, etc. ) IssueDebt is not m ine We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.         YOUR COMPLAINT  XXXX  has submitted alleged cable bill to  XXXX  collection companies for which I do not owe. I have never lived at the address for which I am being billed. I previously made this info available to the first collection agency in   XXXX   XXXX  . Additionally, I filed ID THEFT complaint with  XXXX  Police  Dept.,   notified  XXXX   XXXX   CREDIT RE PORTING AGENCY, AND IDENTITY THEFT.GOV Now, in   XXXX   XXXX   I am being asked to pay.              View full complain t Sent to compa ny Status Sent to compa ny on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.               Company responded  Status Company res ponded Closed with explanation on   XXXX   Response T ypeClosed with explanation Company 's respons e Re : IC  System Reference No :  XXXX  Account No :  XXXX  Your Credit Bureau Account No :  XXXX  Dear  XXXX   XXXX  : Thank you for contacting us. In an effort to close the account, our client,  XXXX , is requesting a fraud packet be completed and returned to them with a copy of the ID Theft complaint with  XXXX  Police  Dept. IC System h as ceased all collection activity on the account to allow time for the packet to be returned to  XXXX . Attached is the fraud packet. Sincerely, Consumer Affairs on behalf of IC  System, Inc. T oll Free No :  XXXX  This communication is from a debt collector same
Product: Checking or savings account

On Saturday, XX/XX/2023, I was shopping online for a XXXX XXXX. I ran across a website that had what appeared to be a very good deal and got in touch with the seller via email. They asked me to make two payments for the puppy. One to sign the ownership documents, and the second to ship the puppy. Both transactions were for {$490.00} to XXXX XXXX. I was then put in contact with the " shipping company '' that would be handling my delivery, but was told I had to pay certain fees to secure my puppy 's travel across state borders. They asked me to make three money transfers and emailed me a document assuring me of a refund for my expenses. The transactions were for {$780.00} and {$760.00} to XXXX XXXX and {$660.00} to XXXX XXXX. They also provided me with a shipping URL and tracking number that appeared reliable. It was not until they demanded {$700.00} more for a supposed dog passport that I began to feel suspicious. With my family 's advice, I contacted my bank and informed them I believed I was being scammed and asked to have all transfers cancelled, to which they informed me they could not cancel a pending transfer but would place them on hold. They put all XXXX transfers for that day on hold, including the one I sent to my father for {$50.00} earlier that day, but I did not mind. They also mentioned they could not guarantee they would retrieve my money. The following day, I contacted the seller again and stated that I did not want to proceed with the process and that I wanted a refund for the full price of the puppy and the fees. To which, no surprise, they disconnected. I was not aware puppy scams existed until then and felt devastated for being so naive. What made matters worse was that, days later, when my husband called for an update to our case, the bank said since we had authorized the transactions, there was nothing they could do ; however, the {$50.00} on my father 's account still appears on hold to this day and were discounted instantly. I now know about Federal Law " Electronic Fund Transfer Act '' and that Regulation E states that if one is induced into transferring money, even if one technically agreed to it, the bank should reimburse the money, hence why I am seeking help in hopes of retrieving the lost funds. I have also reported the website so hopefully it will get taken down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had at least seven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/2024 ... I send XXXX dollars to XXXX XXXX.by a wrong email ... I have lost tge XXXX dollars And no respond aborto tge money The Just jeep telling me the it is on the last step ... .and has been a month ... TapTap Send is the company ... What to do at this point?
Product: Money transfer, virtual currency, or money service

I am  a U.S. citizen w ith a primary residence in  XXXX . I established an account with Coinbase with  XXXX  ID. I soon discovered that I was unable to withdraw funds that I had deposited due to Coinbase not having a " processor '' in  XXXX  to facilitate withdrawal. The only activity I was able to conduct was depositing funds via credit card. I have tried to re-register my account to a valid  US address with a valid US Drivers License countless times using all facilities and options available to me thru the Coinbase website and mobile app. EVERY attempt has failed. I have attempted this well over 2 dozens times. I have inquire with Coinbase Customer Support also countless times. The only current option to contact them is via a website contact form, although when I first started this effort, I was able to use email. Regardless of method, Coinbase response was almost always a preformed response which was never helpful and never addressing my request for help. Currently I have money in a Coinbase account and have no way of withdrawing it.
Product: Credit reporting or other personal consumer reports

Dear madam/sir, I am writing you to report the company XXXX XXXX  XXXX ( Account- XXXX. This creditor has reported on my credit as " charged off ''. When I reached out to the creditor to verify the that input and request a 1099C form. The creditor verified the charge off status and were not able to provide me the 1099C form upon my request.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account Name # XXXX, Account Name # XXXX, Account Name # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$530.00}
Product: Checking or savings account

I am writing to inquire about the {$320.00} new checking account opening bonus in relation to my recent checking account that was opened on XX/XX/XXXX with Wells Fargo Bank. My Promotion Code is XXXX. 

As per the requirements for the account opening bonus, I completed a Direct Deposit transaction on XX/XX/XXXX, totaling {$1000.00}, within 30 days of opening the account. However, to my disappointment, I have not yet received the promised bonus despite waiting for nearly 4 months. 

I attempted to reach out to the customer service department of Wells Fargo and was informed that the bonus had been rejected. However, based on my understanding and compliance with the bonus conditions, I believe I am eligible for the account opening reward. 

I sincerely hope you can assist me in resolving this matter. As a new customer, I hold a positive trust and expectation in Wells Fargo and aim to build a strong partnership with your bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 inf
ormation, 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: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) XXXX, XXXX and experian have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to XXXX v XXXX XXXX. XXXX is supposed to ensure MAXIMUN POSSIBLE ACCURACY. This account violates there laws 15 USC 1681i 15 USC 1681s2 15 USC 1681i5 15 USC 1681eb. Delete ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof for an account that is reporting incorrect payment to be verified by legal proof i.e. canceled check, payment receipt with signature and date, etc ... and if it was not provided that the account should be updated as paid never late. The time allowed by FCRA law has passed. The credit bureau returned the dispute as verified but when I requested information on how it was investigated and verified, I was not provided this requested information and the creditor continues to report the incorrect payment history and ignoring my many requests.
Product: Money transfer, virtual currency, or money service

I had a coinbase account to buy cryptocurrency. On XX/XX/XXXX, my account was hacked and i couldnt log in. I contact coinbase support and they help me out to have access to my account. So it took around 3 days to get access to my account. 

Once logged in i notice that my money was gone. Around XXXX $ in Bitcoin and XXXX currencies. 

Also, i had withdrawals from my bank account in XXXX XXXX for the amount of XXXX $ on XX/XX/XXXX. They bought more Bitcoin and then they transferred everything to another account. 

All my money is gone. I contact once again Coinbase support team and now they stop answering. 

Since the end of XXXX i havent got a response from Coinbase Support. I file a complaint with them and no answer.
Product: Mortgage

I made a mistake with my  XXXX   XXXX  taxes for  XXXX , and  the county allo wed me to fix the mistake. Upon the mistake being corrected,  the county i ssued a check for the amount of {$830.00} for over-payment of taxes from escrow. This check was dated   XXXX   and cashed on   XXXX   with the check number  XXXX . The check was mailed to  Loan Care  at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX   XXXX  in  XXXX , Fl.     I have contacted  Loan Care  multiple times to have either a refund distributed to myself,  the county , or my mortgage holder. Everytime  I  contact them, they attempt to locate an account which does not seem to exist. I am not in their system. My wife is not in their system. My address is not in their system.     How can a check be deposited into an account without being allocated to the appropriate party? How is there not a record of deposits on   XXXX   that can be looked at in order to locate how the check was allocated within their system?     I have been told a manager will contact me back. This did not happen. I have been told to collect more information from  the county . This has not aided.
Product: Credit card or prepaid card

Syncb/amazon put a Hard inquiry on my report on XX/XX/2019 This is completely fraud. 
I have never applied for a XXXX Credit Card XXXX are located in XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a dispute with HSBC BANK NEVADA NA about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually HSBC BANK NEVADA removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, HSBC IN XXXX sold it to XXXX XXXX XXXX whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XXXX XXXX, XXXX. 
I have repeatedly advised XXXX XXXX XXXX that it is improper and illegal to state this to be a new derogatory default as of XXXX XXXX, XXXX and it causing me a serious problem of turning down for essential items to be purchased, XXXX XXXX refused to remove this illegally and in bad faith showing derogatory item from my credit.