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

I am writing this letter to file a formal complaint regarding an ongoing dispute with ACCTCORP OF SOUTHERN NV, an account that I had disputed with XXXX. I am deeply concerned about the inaccurate information presented in the original documents provided by ACCTCORP OF SOUTHERN NV during the verification process. 

On XX/XX/2022, I initiated a dispute with XXXX regarding an account held by ACCTCORP OF SOUTHERN NV. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I requested that ACCTCORP OF SOUTHERN NV verify the information they were reporting. Subsequently, ACCTCORP OF SOUTHERN NV responded by sending over what they claimed to be the original documents related to the account in question.

Upon reviewing the documents provided by ACCTCORP OF SOUTHERN NV, I was shocked to find that the information contained within them was grossly inaccurate. According to the documents, my address was listed as " XXXX, NV XXXX. '' However, it is important to note that there is no such place as " XXXX, NV '' either in the state of Nevada or anywhere else in the United States. This glaring error raises serious concerns about the accuracy and validity of the information being reported by ACCTCORP OF SOUTHERN NV.

Attached to this letter, you will find copies of the documents sent by ACCTCORP OF SOUTHERN NV as well as a map showing that no such location as " XXXX, NV '' exists within the state of Nevada. This clear discrepancy not only questions the authenticity of the documents provided but also the integrity of the information being reported by ACCTCORP OF SOUTHERN NV. 

I strongly urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify this situation. It is crucial that inaccuracies and errors in credit reporting are addressed promptly to ensure the fair and accurate representation of individuals ' credit histories.
Product: Credit reporting or other personal consumer reports

Indigo has been notified that a fraudulent account was opened in my name using my personal identifiable information as I am a victim of identity theft. There was a fraudulent inquiry placed as well. To date I have not received anything from Indigo confirming that the fraudulent account was closed.
Product: Credit reporting or other personal consumer reports

I was pre approved by XXXX XXXX XXXX XXXX when shopping online for a vehicle. I found a XXXX  XXXX XXXX at XXXXXXXX XXXX XXXXXXXX schedule a XXXX XXXX for XX/XX/XXXX at XXXX when i arrived i informed that I was pre approved for an auto loan with XXXX XXXX auto finance and i wanted to follow through to see the APR. He then explained that XXXX was running a special offer and I explained that didn't want my credit ran through multiple creditors he can back with XXXX offers XXXX for XXXX XXXXXXXX and the offer from XXXX  whom I believe to be an XXXX lender. I didn't not authorized any other creditors Nor did I have any knowledge of my credit be submitted through any lender besides XXXX XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I am an ID theft victim. A store card for XXXX XXXX was opened in my name without my knowledge or authorization. I did not open, use or benefit from the account. The account was opened using my mothers address which I have not lived in several years ( XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, DE XXXX ) which is the only reason I had knowledge of the account. I received collection calls when the account defaulted and I advised the agents that the account was fraudulently opened. They did nothing. I have disputed the account with XXXX XXXX  and their debt buyer XXXX XXXX several times and the information continues to report on my bureau. I want this item removed from my bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an urgent matter regarding several unauthorized hard inquiries appearing on my credit report.
Product: Money transfer, virtual currency, or money service

A few months ago I registered on the COINBASE exchange. Create an account to purchase and exchange cryptocurrencies. I registered all my data as COINBASE requested. 

I was able to easily send my money to the new account and start trading, buying coins and using services that COINBASE offers such as staking. Everything worked perfect. 

A few weeks later I tried to move my cryptocurrencies to other wallets, obviously using the functionalities they offer for sending coins to other addresses. At that moment I realized that without prior notice that they had restricted my account. 

I contacted them many times through the only customer service channel ( chat ) so they could explain the reasons for this restriction on my account. I simply wanted to know the reason and above all help solve the problem if any document or additional information was missing from my account. 

COINBASE 's response has always been the same that they would give me a response in 3 or 4 days. They would escalate the problem to the authorized department and they would respond to my email. But in 2 weeks they don't give any response. 
The treatment received in the chat has always been correct and cordial, but they do not solve the problem. And the same conversation is always repeated. They offer the option for you to sell the cryptocurrencies and withdraw your money, but that is not my intention. My intention is to be able to send and buy coins and continue using this platform, since it is one of the most recognized worldwide.
Product: Money transfer, virtual currency, or money service

Hi, Subject : MoneyGram Fraud I have transferred amount {$130.00} to my cousins account who is XXXX using MoneyGram App on date XXXX XX/XX/2020, the money is not credited to his account. MoneyGram given confirmation it will be credit to his account in four days, but its now almost one month the money is not credited to his account. I have called MoneyGram and done the multiple followup and they always tell me there is technical issue, i asked them to cancel the transaction and credit back to my account and it is not been done yet. 

MoneyGram Transaction reference # XXXX MoneyGram Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We've sent messages to Meridian Financial Services that we were disputing a debt because we're working with the original creditor to get the issue resolved. They have ignored us, and are breaking the law by doing so. They seem to be notorious based on complaints we've read about them and they should have their ability to collect as a third party revoked!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,  XXXX   XXXX   XXXX  Credit Card. I have tried repeatedly through the credit bureau and the  XXXX ,  XXXX   XXXX   XXXX   XXXX  to get them to correct ALL of my credit bureau 's. When contacted the Credit Bureau 's they are NOT correcting their error. On all bureau 's they are reporting my account as a charge off in status and not reflecting monthly payments and new balance. This account did go to collections, but I receive a statement every month and am making my payments every month and reducing my balance every month. They are charging interest every month, like a credit account. Therefore, it is not a charge off if I am making payments, receiving a statement from the company and reducing my balance. Also, they are reporting the false information to my spouses bureau as well.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message reaches you in good health. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me. I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. Should specific documents or details be required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Debt collection

Collection agency ( NCC Business Services ) is actively reporting on my credit report a false debt, on behalf of a realty company ( XXXX XXXX XXXX XXXX ) that was used by my former landlord. Even after several attempts to resolve this issue, including letter from realty signed with balance due was {$560.00} ( before my payments of {$730.00} ), proof of deposit paid, original rental agreement ; they insist that client is firm on debt of {$6600.00} which included repairs charges never done to the house for {$4300.00} ( the house was not damage at all ), security deposit of XXXX ( they said I did not paid ) XXXX is trying to collect on a debt without a judgment and the property is not managed by them on the present time. They are aware of this but they still reporting to the credit bureau actively damaging my credit. 
XXXX XXXX has XXXX reviews that shows that I am not the only victim of this company practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC Regional Office for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When Tates confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX  Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when XXXX  didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.
Product: Student loan

When I was in school for my XXXX to pursue for bachelor of XXXX degree, my student loan company ( navient ) put me into forebearance but I was accumulating interest of 11.6 % total interest on my two loans together. One loan unsubsized with 5.87 % and other loan subsidized with 5.87 %. 

When I called navient for public loan forgiveness, they told me I had to work 20 hours a week and make monthly payment. It was very misleading as to how to stay on track for public loan forgiveness while working in XXXX as a XXXX for the past four years ( XX/XX/XXXX-XX/XX/XXXX ). Then, I called them last year to ask about public loan forgiveness eligibility criteria, they told me I have to work 10 years of full time in non-profit organization ( XXXX ) and not being in school status, before I apply for public loan forgiveness on my student loans. I didn't know that before I called them. I kept track of every single payment since I started working at XXXX and XXXX XXXX. I felt I'm being deceived by navient and not fully understand of what I need to remain eligible for public loan forgiveness on my remaining student loan principle balance. I'm not satisfied with Navient at all. 

After graduating from XXXX school in XX/XX/XXXX, I currently have been paying anywhere from {$100.00} to {$1000.00} a month for student loan. I do not believe navient student loan company properly allocate my student loan payment online. I was paying more and more but my principal balance doesn't seem go down as it should. I have been mislead and so frustrated of being with Navient.
Product: Checking or savings account

XXXX XXXX XXXX emailed company to cancel pending transaction and to not ship the order, I dont want to order it, just cancel it XXXX XXXX Charge hits my account, I immediately mark it and dispute it with my bank XXXX XXXX XXXX company emails me back with a tracking number ignoring my request, documentation company sent says day of shipment is XXXX XXXX XXXX I email company again restating what was said in original email, they never respond or reach back out to me XXXX XXXX XXXX Capital one sends me merchant documents and asks for documentation from me. Company documents say item was delivered in XXXX ( I live in XXXX ) and I never even received the item I didnt want XXXX XXXX sent email to capital one with my documentation XXXX. XXXX XXXX call capital one to make sure documentation was received, they said they will send me email confirmation within one week XXXX. XXXX send another email with my documentation to Capital one and re-explaining the claim XXXX. XXXX received claim denial letter from capital one due to no errors in amount, email says I can request documentation used to make this choice through email or call XXXX. XXXX XXXX sent email to Capital one requesting documents used to make this decision. Have not yet received response
Product: Debt collection

On XX/XX/XXXX I noticed a collection account on my credit report, the company did not contact me through any means of communication, I have not received information about the debt that was placed on my credit report, according to fair credit laws and consumer protection laws I must be notified and I have the right to receive all the exact information about the account that is being awarded to me please, I need you to send me all the documentation for the account, the original lender of the account, the initial contract with the lender signed by me, the purpose of the loan application, the place and date of the agreement and all personal and account related data, including the balance, payments and debit of the account that is being awarded to me, I need all the documentation to be sent to my postal address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX in XXXX XXXX responded numerous time 's to my complaint recently XX/XX/28 with CFPB that said argument they don't own this debt but still showing on all my reports XXXX and TransUnion which received documents showing results as well XXXX XXXX responded to you
Product: Credit reporting or other personal consumer reports

I have been trying to contact this debt collector to get information that was signed between me and the company no contract has been provided stating that I am the owner. 

Midland company has been harassing me about the charges.

According to the Fair Credit Reporting companies must provide accurate information when reporting credit.
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/XXXX, I posted my treadmill for sale on XXXX for {$100.00}. That evening, XXXX XXXX contacted me and said he wanted to buy it. In the conversation, he said he would pay me with Venmo. I told he three times that I wanted to do a cash transaction, but he said he was not convenient and needed to withdraw cash. He then asked me for my Venmo account to make a reservation. I gave he my account, and after a few minutes, he asked me if I had received the money. I said I hadn't received any money, so he told me to check my email inbox. 
He told me to call Venmo with he to get he {$100.00} back. ( The reason is that he is a business account and my account is a personal account, so the other party must transfer {$400.00} to my account. Only after I receive the other party 's {$400.00} can I return their {$100.00}. ) I simply wanted to help her get the money back, so I called the Venmo hotline on the email, XXXXThe customer service representative asked me to contact the buyer by text message and ask them to transfer {$400.00}. So I contacted the other party and told them what the customer service representative said. Then I received an email showing that I had received the other party 's {$400.00} : He asked me to click on it, and after I clicked on it, then I was deducted {$400.00}. 

The Venmo customer service representative was still on the phone with me, but I realized something was wrong. I asked the customer service representative why I hadn't received the other party 's {$400.00} yet? My money was deducted instead? At this time, I was asking my husband how this strange thing happened. My husband said I was being scammed and asked me to hang up the other party 's phone. 

As soon as we hung up the phone, we immediately contacted my bank, XXXX, and said that I had been scammed and wanted to cancel the {$400.00} transaction. XXXX did indeed stop the transaction immediately. But your company used the funds in my Venmo account to pay this scammer! 

I am very disappointed and sad. The Venmo company actually helped the fraud and did not investigate the matter. The world is in chaos and there is no truth! 
I just don't want anyone else to get scammed, so I'm telling my story.
Product: Money transfer, virtual currency, or money service

I am writing to report a fraudulent job opportunity I encountered online. I was contacted via text regarding a remote position, which led me to sign up on a platform they provided. The job involved completing optimization tasks for XXXX XXXX, with earnings deposited into an account on their platform.

Initially, I was able to withdraw some earnings, but as I progressed, I was required to cover negative balances by depositing more funds. I was instructed to use a cryptocurrency wallet for these transactions. Eventually, I was asked to pay substantial fees to unfreeze my account and process withdrawals when I don't complete the task or request on time. Despite paying over {$41000.00}, I was told to pay additional fees, and to this day, I have not been able to recover my funds.

The platform claimed legitimacy, but two months later I suspect it is a scam. The website they provided is XXXX XXXX XXXX 

I

am sharing this information to alert others and request your assistance in investigating this matter. Thank you for your time and attention. Please feel free to contact me if additional details are needed.

I contacted my banks, Wells Fargo and XXXX, XXXX and XXXX XXXX to request a refund for funds lost due to fraudulent wire transfers. Unfortunately, both banks denied my claims. I have reported to FTC and IRS. 

Well Fargo - Wire transfer - {$140.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - $ XXXX XX/XX/year> Wells Fargo XXXX Wire transfer - {$2000.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$2000.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$1800.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$980.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$5000.00} - XX/XX/year> Wells Fargo - Wire transfer - {$2800.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$12000.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$4900.00} - XX/XX/year> Wells Fargo XXXX Wire Transfer XXXX {$1100.00} - XX/XX/year> Wells Fargo XXXX Wire Transfer XXXX {$6500.00} - XX/XX/year> XXXX  - Wire transfer - {$6500.00} XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX