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

AMEX, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. XXXX2 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by AMEX and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. AMEX and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. AMEX and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. AMEX and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit card

I have had a XXXX capital one credit card for over two years now. Last month, I paid off the card in full with the remaining amount {$8500.00}, with a balance transfer from another card XXXX days before the due date. Previously in XX/XX/XXXX, I'd used my remaining cash rewards ( ~ {$100.00} ) at capital one to reduce the overall balance of the card, after which {$8500.00} remained to be paid off. This was the amount that I paid off with a balance transfer on XX/XX/XXXX, before the minimum payment due date of XX/XX/XXXX. 

I didn't expect any further required payments for XX/XX/XXXX. However, Capital XXXX is charging me {$89.00} in interest charge even on {$8600.00} because they said I couldn't use cash rewards to reduce my overall credit balance. I'm astounded by the shocking lack of integrity to charge me interest when I have already paid another card transaction fee for the balance transfer. 

I contacted Capital One at XXXX am on XX/XX/XXXX to speak with a customer rep and followed by her supervisor. The supervisor was extremely rude and not forthcoming about the veracity of the interest charged, and I couldn't get a clear answer from them. 

I am certain Capital one is similarly sifting other customers with additional interest charges without disclosing the necessary explicit parameters to avoid those charges. I shouldn't have to pay additional purchase interest charges when I didn't make additional purchases in the last XXXX billing cycles and paid off the card in full. It's outrageous!! 

I have already made a payment on the charges as I didn't want to be hit with additional late fees. But their system and customer service was outrageous. 

Please let me know what next steps I can take in order to remedy this situation. Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/XXXX XXXX Balance : {$5400.00} XXXX XX/XX/XXXXXXXX Balance : {$5400.00} XXXX XXXX Balance : {$34000.00} XXXXXX/XX/XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$34000.00}
Product: Checking or savings account

My Bank processed 3 fraudulent debits on a debit card linked to my business account.

They credited me for 2 out of 3 with no explanation. They held me responsible for the only large charge over {$500.00}. They provided me with documentation that included the IP address used to generate the charge. Through my own research, I learned the IP address used was in XXXX. The Bank still refused to acknowledge or explain this. They told me to reach out to the online vendor who received my money. This is hubris because I do not know anything about the vendor. 
I met with 2 different branch managers who were stonewalled as I was. I reported this to the XXXX Department XXXX XXXX XXXX who referred me your office. 
My letter sent to your office in Iowa came back as undeliverable.
Product: Debt collection

I am filing a complaint against XXXX XXXX. For over a year now, I have been reaching out to them, requesting options for cancellation out of this timeshare. Instead of aiding and options for resolution, the only responses and communication I have received from them have been regarding payment they are requesting and never any option to alleviate this from me. This timeshare has very easily become a burden, especially because it was initially misrepresented to me. It is impossible to sell or try to rent this timeshare as hundreds of people are trying to do the same on XXXX and XXXX. They kept bringing up my family and how this would benefit us. I was never informed that the maintenance fess would keep increasing and after only two years it increased almost {$30.00} more. I did not sign up for that and I feel forced into paying those. The presentation took an enormous amount of our time and took up one of our vacation days and the paperwork was very rushed. They toured us around the XXXX area, there they gave us an alcoholic drink and nothing but a bunch of lies. I have explained my concerns and circumstances to XXXX and all I have expected was a response with a solution and they have failed to provide me that. 

This was a misrepresented contract and I am taking the proper avenues to cancel my contract with XXXX XXXX. The cancellation of that contract will absolve any debt with them, so there will be nothing to pay XXXX afterwards. Also, I never agreed to work with a third party collection agency and sent a cease and desist to them. They should not be involved anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts and extended fraud alerts Experian:06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Money transfer, virtual currency, or money service

I, as a consumer, did not receive the service that was promised or described by the Coinbase , Inc . I tracked the downstream wallet, which was reported several times for fraud, and Coinbase ignored the problems and didn't do anything to investigate or close the fraud wallet. Instead, Coinbase locked my account without any explanation. Coinbase has a big loophole that makes easy for the scammer to do money laundering and allows scam sites to steal my money to their platform. Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening. Therefore, the fraud transaction should be investigated and refunded from Coinbase. I was not knowing the scam was happening so the transaction was not authorized. There is no alert from the bank systems that scammers ' bank accounts have problems. There is no alert from the bank I transferred from with such huge amounts to a stranger 's bank account. 

I met two guys from a dating app that convinced me that using Coinbase would be a great way for buying cyrptocurrency. I trusted their judgement, which led to me being scammed through the Coinbase platform. Attached is the timeline with the scammer 's name. 

Timeline : XX/XX/XXXX Downloaded Coin base XX/XX/XXXX Downloaded XXXX XXXX ( Linked to XXXX XXXX ) XXXX ETH purchased {$1900.00} using XXXX XXXX XXXX  Transfer. ( Coinbase fee XXXX ) ( Scammer-XXXX  ) Sent XXXX ETH to fraudulent Wallet ( XXXX ) XX/XX/XXXX XXXX ETH purchased {$1000.00} using XXXX transfer. ( Coinbase fee {$38.00} ) ; ( Scammer-XXXX  ) Sent XXXX ETH to fraudulent Wallet ( XXXX ) XX/XX/XXXX Wire Transfer {$50000.00} from XXXX  XXXX to XXXX XXXX  XXXX ETH purchased {$50000.00} ( Coinbase fee {$730.00} ) from wire transfer ( Scammer-XXXX  ) '' Sent XXXX ETH ( {$50000.00} ) to fraudulent Wallet ( XXXX ) '' XXXX ETH purchased {$51000.00} from Wire Transfer via XXXX XXXX. ( Coinbase Fee {$760.00} ). 
( Scammer-XXXX  ) XXXX ETH sent to fraudulent wallet ( XXXX ). 
XX/XX/XXXX XXXX ETH purchased {$5000.00} from XXXX XXXX XXXX  Transfer. ( Coinbase fee {$73.00} ). 
XX/XX/XXXX Wire Transfer {$10000.00} from XXXX  XXXX to Coinbase 's bank XXXX XXXX XXXX  XXXX ETH purchased {$9900.00}. ( Coinbase fee {$140.00} ). 
XXXX XXXX XXXX XXXX XXXX ETH to fraudulent wallet ( XXXX ). 
XXXX ETH purchased {$5000.00} using XXXX XXXX XXXX  Transfer. ( Coinbase fee {$73.00} ).

XX/XX/XXXX Created Case with Coinbase Support Case # XXXX Withdraw from fraudulent website unsuccessful from XXXX XXXX. 
No updates from Coinbase since then.
Product: Credit card

Charged XXXX by XXXX XXXX XXXX company to my Navy Federal Credit card for a transaction that was already paid for by my insurance company. I have opened disputes with Navy Federal and have to hear back/have the disputes resolved after providing documentation proving that these charges have been paid by an insurance company already. Navy Federal is not processing the disputes in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 of : Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FIN XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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

XXXX XXXX  XXXX/XXXX  # XXXX XXXX XXXX # XXXX remove all FCRA from this page ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX see attachments for the proof of wrong informations
Product: Credit reporting or other personal consumer reports

In accordance with the Fait Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USMC 1681. I was federally XXXX  XXXX XXXX till the present time. 



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

15 US.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 XXXX  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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, Account # XXXX, has violated my rights. 

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

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I have contacted the CEO via email which I have attached asking for removal ) 15 U.S.C 1666B : A creditor may not treat any payment on a credit account under an open end consumer credit plan as late for any reason.

I have tried not to take this route however, due to these 2 late payments my reputation and character is being question damaging my opportunity to obtain a home for my XXXX & I. I am a hard working XXXX  mother just trying to get by. I have built a great relationship with XXXX and would like to continue this. Please help me. 

I have reached out to EXPERIAN, XXXX, and XXXX and have not been assisted.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/19 at about XXXX CST I sent a payment of {$300.00} to an email address in exchange for concert tickets. The tickets were not sent, and within 30 minutes I realized I had been scammed and immediately contacted Chase Bank. The payment was sent via XXXX, and Chase advised that they do not consider this fraud as I sent the payment knowingly. Despite not receiving the goods/services I paid for, they would not reverse the transaction. Chase said that if my account was hacked, they could reverse it - so we know it's possible, they were just unwilling to help stating that this is more of a wire transfer and that I am responsible for any party I send it to. The recipient told me they used XXXX XXXX XXXX, but Chase was also unable to verify that for me. I am a clear victim of fraud in this case and have reported this to local authorities as well. I am seeking help in working with Chase to reverse the payment.
Product: Credit reporting or other personal consumer reports

Paid wells fargo account in full on XX/XX/XXXX. Closed account on XX/XX/XXXX. Have called 3 or 4 times in the last 2 months to get them to report the update to credit bureaus. Rep says the same thing. It can take up to 60 days! They say this even when I've called after 60 days. It's been almost 4 months.
Product: Credit card or prepaid card

There were three charges on my XXXX XXXX credit card that I did not make. Two were made in the amount of {$110.00} and {$110.00} on XX/XX/2022. The third charge was made on XX/XX/XXXX in the amount of {$130.00}. I contacted the credit card company, Genesis FS Card Service back XX/XX/2022 when I first saw the fraudulent charges. The operator on the line said they will be looking into the matter. I looked on my account statement on XX/XX/XXXX, with Genesis FS Card Service for XXXX, and had seen there was a " Purchase Reversal '' done on XX/XX/XXXX for all three charges. Right about that, XX/XX/XXXX was able to be seen, and it showed all three charges on my statement again showing up as " Sale ''. I contacted the credit agency, the operator on the line said they were still looking into the matter. Three days later, I received a letter in the mail from them stating that they " were unable to resolve the matter in my favor '' since the charges were " reversed '' on XX/XX/XXXX, when they showed up again as " sale '' the following day on XX/XX/XXXX.
Product: Debt collection

BEING ASSESSED 2- XXXX LATE FEES WITH NJ XXXX XXXX. THIS IS ECONOMIC EMERGENCY " IN PROGRESS ''. COVID 19. I AM SICK. I AM OUT OF WORK. HAVE YOUR CLIENT, NJ XXXXXXXX XXXX " WAIVE '' AS A CURTESY THE LATE FEE PENALTIES. CAN NOT PAY ANYTHING. I AM OUT OF LUCK
Product: Debt collection

XXXX XXXX called me to settle a debt with California Check Cashing. So I heard them out, they wanted me to pay with a pre-paid card. I asked why can't pay with a check or money order. He said no. I thought it sounded pretty sketchy, so I called California Check Cashing, they said come down and will talk more about it. So I did Spoke to XXXX  the store manager and gave me info to call Corporate, he said it sounded like a red flag. I was not in Corporate systems, so they told me to report to CFPB and that's what I'm doing now. Corporate look to see if there is a " XXXX XXXX  '', and the business went under and there's no such thing as " XXXX XXXX XXXX'. I believe there taking old information and making people pay old debts that have already been taking care of. That's my story.
Product: Debt collection

COMENITY BANK/NWYRK & CO - Has violated my federally protected consumer rights under 15 USC 1692. They have sent several statements, didn't know I could dispute a debt, never said they was attempting to collect a debt. Used abusive and profane language. See attached documents.
Product: Mortgage

How is it that the owner of the mortgage was never the owner as assigned to XXXX XXXX XXXX XXXX tn XXXX in there own words. How can you legally assign a mortgage to someone that does n't know they are the note holder or owner then sell the servicing rights to another servicer?
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue that has significantly impacted my financial stability and well-being. I have diligently reported and disputed the inclusion of a XXXX XXXX bankruptcy on my credit reports with all three major credit bureaus- Experian, XXXX, and XXXX. 

I have taken various steps to rectify this error, including reporting the issue by phone, sending certified letters, and utilizing the credit bureaus ' online dispute platforms. Despite my persistent efforts, the bankruptcy court has not reported any information to the credit bureaus, and I have repeatedly requested that the credit bureaus provide evidence of authorization from the court. 

To my dismay, every agent I have spoken to at the credit bureaus has acknowledged that they lack any signed documentation from the bankruptcy court authorizing the inclusion of the XXXX XXXX bankruptcy on my credit report. This erroneous listing has had severe consequences for my family and me, as we find ourselves homeless and unable to secure housing or favorable financial terms due to the adverse impact on my credit profile. 

I am gainfully employed, but the repercussions of this inaccurate bankruptcy listing have made it impossible for me to rent an apartment, purchase a home, or secure reasonable interest rates on financial products such as car insurance. The distress caused by this situation is immeasurable, and I am reaching out to seek your assistance in resolving this matter promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and rectify this issue. Your guidance and intervention in ensuring that the credit bureaus adhere to accurate reporting practices would be invaluable in restoring my financial stability and providing my family with the opportunity for stable housing. 

I appreciate your prompt attention to this matter and am hopeful that with your assistance, we can rectify this situation swiftly. 

Thank you for your time and consideration.