23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX thru the XXXX, I was on a business trip in XXXX and used my credit card for purchases and services. On XXXX XXXX, I received a fraud alert text from my credit card company asking about a {$1000.00} purchase/cash advance just made with my card. I replied to the text stating it was fraud as I discovered I had lost my card and wallet. I then called my credit card company to report the theft/loss. I told them I did not make the {$1000.00} charge. They stated that they were closing the account and mailing me a new card. However, later on that evening, I logged into my credit card account to check the charges. There was ANOTHER charge after this first fraudulent charge in the amount of {$2100.00}. I called my credit card company to inform them of this and did not understand how another fraudulent charge could have happened after I earlier called them and they closed the account. 

Two weeks went by and I noticed that the {$2100.00} charge was removed from my account as it was in dispute, but not the first fraud charge of {$1000.00}. Two weeks later, I again had to call them about this matter and they finally took off the {$1000.00} charge. 

I received multiple calls from my credit card company and a letter stating I had to provide more information or the case would be closed ; however, I spoke to my company on numerous occasions to give them all the information they required. Finally, near the end of XXXX XXXX, I reached the investigator again and asked him what else he needed to resolve this matter. He stated that the transactions required a pin or other personal information, and asked how I thought this may have happened. I told him that I had no idea. My wallet was stolen when the card was stolen and it contained personal information. I told him this, but stated I had no idea how criminals make these fraudulent transactions. I also stated that I called the company and closed the account after the first transaction ( the XXXX one that they alerted me to ), and I had no idea how the second one ( XXXX ) could have even happened. I received a voicemail back from the investigator a few days later stating that he had resolved the charges in favor of the merchant. On XXXX XXXX both charges were reversed against my new account. I then received a letter stating that they had decided in the merchants favor as I had provided the card and personal information to a third party ( which I clearly did not )! 

I called the company back multiple times. I asked to reopen the case, they said that was impossible. I asked if I could appeal the decisions and they told me NO. I then asked if a new investigator could be assigned to look into this matter as I do not think due diligence was done and the case was poorly handled. I was again told that this was not possible. I then called the direct number for the investigator and left a voicemail asking to speak with him and that I had issues with the resolution. I received no call back.
Product: Debt collection

In both XX/XX/XXXX and XX/XX/XXXX my husband and I bought new vehicles. Both times at financing we were informed that my husband had better credit than me, so we did the financing in his name only. In XX/XX/XXXX, out of concern for what was on my reports I pulled my credit and found that XXXX XXXX XXXX reported that I had a debt of {$650.00} that I owed from XX/XX/XXXX and that I paid this debt in a settlement for less than the actual amount of what was owed to them and it shows as an adverse account on mine and y husbands XXXX credit reports. XXXX XXXX XXXX was a collection agency that I worked for doing collections in my home. When I no longer was working for them in XX/XX/XXXX they sued me and my husband for {$650.00} for the used computer and monitor. My husband NEVER worked for them at any time. My husband and I appeared in court XX/XX/XXXX XXXX Civil and Small Claims, the case was dismissed with prejudice. Their attorney, XXXX XXXX, took possession of the computer in the courtroom in front of the judge and court clerk. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported a debt onto my credit report and my husbands XXXX credit report 13 days AFTER their attorney was in possession of the computer and monitor and after the courts dismissal with prejudice. They created a debt by using my date of hire, fake DOBs, my husbands name is misspelled, in order to generate this debt. I have worked since XX/XX/XXXX trying to get this off of our credit. We've consulted an attorney, filed complaints with the XXXX and the Attorney General, and disputed the debt with XXXX. The WA state Dept of Licensing said that XXXX XXXX XXXX dissolved at the end of XXXX and that XXXX XXXX assumed assets and liabilities. This is fraud and many laws were broken by the very collection agency that I worked for as a way to retaliate against me for quitting. XXXX XXXX XXXX is now DBA Genesis Credit Management , LLC, located in XXXX WA and they have learned a really good shell game of dissolve and assume a new name. But if a collection agency can do this to a former employee can you imagine what they can do to a debtor or a consumer that has no idea what to do or where to turn to protect their rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX  ) XXXX Balance : - ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX  Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address an issue regarding my XXXX XXXX XXXXXXXX credit card account, specifically its absence from my TransUnion credit report. As a long-standing cardholder with an account dating back to XX/XX/year>, I have noticed that the information related to this credit card account is not reflected on my TransUnion credit report. 

Credit Card Details : Company : XXXX XXXX XXXXXXXX ; Account Number : XXXX Date Opened : XX/XX/year> ; Credit Limit : {$50000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies.

Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, Experian, and XXXX ) . These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date.

Discrepancies in Account Details : High Credit : XXXX and Experian report {$1400.00}, while XXXX incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments.

Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors. Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards.

Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report.

Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my experian credit report which caused XXXX  XXXX upon me and found unverifiable incomplete inconsistent and questionable items that your agency didn't make sure it was reporting 100percent correct.in accordance with the fair credit reporting act everything has to be 100percent accurate on my credit report and under 15u.s.c1681e ( b ) and 15usc1681i ( 5 ) these accounts are in violation of not reporting 100percent accurate and consistent information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating my federally protected rights.also I noticed 3 addresses on my personal information that I've never lived atvand don't receive mail too.please remove the following addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my personal information.the only address I want reporting is XXXX XXXX XXXX. XXXX XXXX, Wyoming XXXX
Product: Credit reporting or other personal consumer reports

Tuesday XXXX XXXX I called These Companies and Transunion addressing these unauthorized inquiries and was given the run around as one would tell me tob call the other, however when calling Transunion several times they claim not to even see the inquiries on my consumer report,. 
I am requesting these unauthorized inquiries to please be deleted. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent a dispute to Experian and they keep refusing to honor and respond to my disputes. This is the XXXX time I 've sent the dispute, which is supposed to clear up the inaccurate items on my credit. First, they say I sent a suspicious request, so they would n't process the disputes. Second time, I sent it certified mail, return receipt and they received it but never responded and 3rd time, they told me that the items had already been investigated and verified ( which was a complete lie ). There are XXXX collection accounts reporting to Experian which are all completely incorrect. 
1 ) XXXX - told me they already requested a deletion months ago2 ) XXXX - told me they already requested a deletion months ago3 ) XXXX - never verified4 ) XXXX - never verified5 ) XXXX - never verifiedThis has been going on for over 6 months and Experian is blatantly breaking the law. Why is there a law in place to protect me if this company can just blatantly break it, over and over again? 
I 'd like these accounts deleted right away.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Last 4 of SSN : XXXXXXXX XXXX  : Account Number To whom it may concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization on XX/XX/year>. I do not recall granting you this authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence, so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Best Regards, XXXX XXXX
Product: Mortgage

I purchased a homeowners policy for my home. After 5 attempted calls by myself and my insurance agent, the mortgage company didn't respond. Proof of my insurance was sent to the mortgage company and they did not respond. Ultimately, they bought a policy in my name despite me already purchasing homeowners insurance.
Product: Money transfer, virtual currency, or money service

I purchased Bitcoin through an account I had created with Coinbase , Inc . Immediately after purchasing the Bitcoin, using their XXXX application, I was locked out of my account with no access at all to my funds. 

I have been contacting Coinbase customer support, every day, for the past 3 weeks. I have never gotten anything except an automated response that doesn't even address the problem.

I have sent just over 120 messages to Coinbase customer support now. Researching the problems I am encountering with Coinbase has shown that I am not alone. It seems like many thousands of people have had the exact same thing happen to them.

I just want my funds and I want to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX SER Date of inquiry : XX/XX/XXXX ; XXXX XXXX SER Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXF XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent anc address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and fadocial loss, and I seek appropriate redress to these violations
Product: Vehicle loan or lease

I have first investors services inc. my car has been repossessed for XXXX this is the second time that they have taken my car. My care note was XXXX month. The car was for XXXX and I have mad XXXX payments and I had this car since 2020. My loan payment is XXXX is still left which I do not understand why is my loan is still high. As for the UCC 9-609 They are not supposed to take my car without a court order. I also have been asking many times to have my care refinance I kept being told that they do not refinancing. As I conduct my own research they do refinancing. I am currently going through an hardship with my family and I have a child that disable needs and I needed my car to get back and forth to appointments. For my car to be taken for only XXXX. I need some assistance. They also another back took over first investors and I was not properly notified of these changes.
Product: Debt collection

CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The company is trying to collect XXXX in behalf of XXXX. They have reported to the credit agencies this information incorrectly and now are involving XXXX to report the information incorrectly to replace their name as the collector of the debt. I have been advised that this debt was going to be corrected but it now is being used to hurt my credit by XXXX and Caine Weiner initiated it and replaced their name with XXXX 's name. There is no proof that this debt is mine and I have made the request to provide this information and it is up to 4 years old. This information has been reported to 4 credit bureaus. This is purely a tactic to harm me as they have stated that they would do by moving the debt from them to XXXX and back and forth to keep reporting it badly on my credit report. I am now being reported badly with no proof. This has been ongoing for over 6 months and continues with misrepresentations and new bad information showing up on credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Trans union None of these companies did a thorough investigations on all accounts that were supposed to be removed from account and delete. The amounts on some of the accounts owed are inaccurate
Product: Credit reporting or other personal consumer reports

This is a follow up to the following currently open cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that you will be receiving a followup complaint everyday starting today until you have taken steps to address this issue and I am no longer being harmed by your reckless disregard for State and Federal laws and the rights they afford me.

Today I spoke with an agent from Experian who confirmed you have and have had all the required documentation needed from me to block the information from my credit report in accordance with section 605b of the FCRA. However, I also learned from the agent that Experian does not handled requests made to block information which is the result of identity theft, in accordance with section 605b. The agent informed me that Experian does not block the information itself and instead relies on the furnisher to do so. FCRA 605B ( a ) ( 15 U.S.C. 1681c-2 ) states " Except as otherwise provided in this section, a CONSUMER REPORTING AGENCY shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of 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. Thus it is Experian who is responsible for blocking the information and not the furnisher. Even if Experian were to delegate this responsibility to the furnisher, Experian would still be responsible for full compliance with the applicable law and thus would be liable for the harm caused by the non-compliance.

In the present matter, the first time Experian received notice from me, which fully complied with FCRA 605B ( a ) was on XX/XX/year>. Regardless of whether Experian, the furnisher, or another third party was delegated the task of review and approval of the request by Experian, It was still legally obligated to ensure the task was completed within XXXX business days, which would have been XX/XX/year> at the very latest. No action was taken until XX/XX/year>. Not only was Experian 's reaction untimely, it did not conform to the requirements of section XXXX. Experian has since been given multiple opportunities to address its mishandling of my requests, but has declined to do. As a result I have and will continue to suffer irreparable harm. For example at the end of this week I will be homeless because I have been unable to secure housing because of the reporting of this information by Experian. Forcing someone into homelessness is inhuman and pure evil. The damage Experian will cause me come Friday will have a permanent adverse impact my life. Should this happen, I will spend every waking moment of my life to ensure you are held accountable and to stop you from ever doing the same to anyone else again.
Product: Credit card or prepaid card

I paid DISCOVER. {$150.00} ( over the {$110.00} minimum ) on XX/XX/22. I had a {$61.00} available balance, then one day I looked and I was charged {$91.00} which left me with a - {$31.00} balance. The company repeated what was on the statement ( interest & fees on purchases ). I hadn't made any purchases the card stays frozen. I have an copy of the statement if you need to see it.