23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I transferred my money via a bank wire from my personal bank : XXXX XXXX XXXX  on XX/XX/2018 in the amount of {$92000.00} to Coinbase. It has been an alarming 28 days since the wire date and I have not received my money into my Coinbase account! 

I have made more than 10 attempts to contact Coinbase over the past 3 weeks but I recieve the same scripted 5 word response : " We will or have escalated your request to our escalation team ''. But  NOTHING has been done. They initially said it would take 10 business days ... i feel this is just a made up number to buy themselves time. Coinbase has failed miserably in customer service and i am frightened that they have stolen my personal savings of {$92000.00}! 

I requested XXXX XXXX to recall my wire last week and they have since made 2 requests to Coinbase that have gone unanswered. 

I need CFPB 's help to recall my wire and receive my {$92000.00} back into my XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the improper reinsertion of the inaccurate and unverified negative accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am disputing all CAPITOL ONE, as my information was used for identify fraudulent, I have disputed many of times and my Credit Attorney says this is very unlawful to report inaccurate Information on my report. FCRA violation please research and send proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  OF WHICH I HAVE NO KNOWLEDGE IS ALLOWED TO REPORT LATE PAYMENTS ON A CHARGED OFF ACCOUNT, HOW CAN YOU REPORT LATE PAYMENTS ON A CHARGED OFF ACCOUNT? XXXX IS ALLOWING THEM TO DAMAGE MY CREDIT MONTH BY MONTH. IT IS ILLEGAL TO REPORT A CLOSED/CHARGED OFF ACCOUNT FOR LATE PAYMENTS WHEN IT HAS ALREADY BEEN REPORTED TO THE IRS AS A CHARGEOFF. REMOVE THIS IMMEDIATELY. 

IT IS NOT REPORTING EVENLY ACROSS THE OTHER BUREAUS. THEY KNOW THAT IT IS ILLEGAL SO WHY IS EXPERIAN ALLOWING IT? PLEASE REMOVE ALL XXXX  XXXX ACCOUNTS I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2
Product: Credit reporting or other personal consumer reports

XXXX XXXX overcharged me on a car loan with them in 2021 when I first started with them. they were reporting last payment on my credit even when I paid them which caused my credit so go down. the loan that was financed was double what the vehicle was for. i reached out to XXXX XXXX to verify the information and was told the information would be sent to me via mail. never received anything. they are still reporting incorrect loan amouth and days paid on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The Experian and XXXX credit bureaus must verify his item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Mortgage

On XX/XX/XXXX, 2016 PennyMac was denied in a motion to served in or transfer the alleged debt, in violation of the FCRA, FDCPA and FTC. 
In violation of United States Constitution, then wish I do not owe any think. They are about to submit fraudulent documentation to United States Bankruptcy Court case # XXXX. 
Sincerely / XXXX/.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Jefferson Capital Systems LLC for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Jefferson Capital Systems LLC Account Number XXXX My Request for Debt Validation : I sent a debt validation request to Jefferson Capital Systems LLC , asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that Jefferson Capital Systems LLC has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it. 

Actions Taken : I have attempted to resolve this matter directly with Jefferson Capital Systems LLC, but their failure to respond appropriately has left me with no choice but to escalate the issue. 

I respectfully request that the CFPB intervene in this matter to ensure that Jefferson Capital Systems LLC complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXperian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}
Product: Money transfer, virtual currency, or money service

I believe USAA is denying me the use of my deposits within a reasonable amount of time needed to purchase a home. 
I ordered a cashiers check from USAA on XX/XX/XXXX for the amount of {$62000.00} for closing costs on a home that is scheduled to settle on XX/XX/XXXX. The deposit balance for the check in my account was immediately withdrawn to issue the check. The check was to be expedited with a shipping time of XXXX days. 
I called USAA on XX/XX/XXXX to inquire about the status of the check and was told it was issued on XX/XX/XXXX and had not yet shipped. 
I again called USAA on XX/XX/XXXX to inquire about the status of the check and was told it still had not shipped. Upon manager escalation I was told that the check had been canceled and the funds would be available in XXXX business days from cancelation. I was planning to wire the money to the settlement agent rather than waiting on the cashiers check. I explained to the representative that this was not an acceptable or timely solution. On this timeline the deposited funds were withdrawn on XX/XX/XXXX and may not be made available to me again until XX/XX/XXXX. He ensured me this was the best he could do and that no further escalation was possible. 
I called again the evening of XX/XX/XXXX after learning that the settlement date would have to be moved without the funds and likely cost {$1500.00} for a rate lock extension as the rate expired on XX/XX/XXXX. The delay would also jeopardize the purchase of the home as there were several other offers on the house. 
When I called the evening of XX/XX/XXXX I was ultimately transferred to the bank 's Executive Response Team ( ERT ) after indicating I would be filing a complaint with the CFPB if this was not resolved in time for settlement on the morning of XXXX. 
In speaking with the member from the ERT she informed me the best she could do was have a manger call me back the following day, XX/XX/XXXX, and that those deposited funds could be made available within XXXX days with an expedite. 
As of XXXX am EST on XX/XX/XXXX I am still without those deposited funds. My deposited funds have not been available to me for 7 days with no resolution identified. I believe USAA is denying me the use of my deposits within a reasonable amount of time and this is potentially going to cost to incur additional expense in the form of a rate lock extension at best, and losing this home and restarting the search for a new home in a challenging market at worst. The situation is unacceptable and USAA 's lack of urgency in returning these deposited funds to me is insufficient and extremely disappointing for a for what is regarded as a trusted financial institution.
Product: Money transfer, virtual currency, or money service

I received a text message from a number saying that there was an attempted fraud on my account and asked me to authorize this transaction to which I said no. I then received a call asking to verify a few things on my account and to send the money to a new account to close the current one that was compromised. After sending this money to my own phone number the person on the phone hung up and more than {$3000.00} was taken out of my account and XX/XX/XXXXto a random person.
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 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 card

TD BANK XXXXTARGET is reporting a Credit Card account XXXX to the credit reporting agencies XXXX , XXXX , and XXXX XXXX I have sent police report # XXXX to TD BANK XXXXTARGET back in XX/XX/2013 that account XXXX listed with them was due to identity theft. They have failed to comply to the FCRA law of removing these accounts. In this police report attached, the officer documented under property report # XXXX, the LOST/STOLEN reported to the officer XXXX of the Target Credit card account and Identity theft. Including a XXXX card and checks stolen and used.
Product: Debt collection

Agents from State Collection Service , Inc. ( SCSI ) have been calling once a month since XXXX regarding an account for which I already have a payment plan set up and am current on. Each time the agent calls I have requested a statement, confirmed my mailing address and have yet to receive any thing in writing from SCSI. After 3 months of requesting statements and receiving no written correspondence from State Collection Service, SCSI has added a collection account to multiple credit reporting agencies.
Product: Checking or savings account

I'm here to ask for help. Chime has closed my account. They charge me additional fees, and my issue with money being taken from my account has not been resolved. I have received the most appalling service from this company. They told me that they could not reopen my account and that it was shut down for no reason. They didn't give me any explanation whatsoever. There are funds left in my account, and I still haven't received them. Can someone please help with this matter immediately?
Product: Credit reporting or other personal consumer reports

Ive been in a back and forth with Bank of America and XXXX XXXX XXXX XXXX about trading in my XXXX XXXX XXXX  I have the XXXX  number thats showing the proof I filed a federal complaint against the company and XXXX XXXX XXXX XXXX in his personal capacity case number XXXX : XXXX this is a violation of the Hobbs acXXXX security fraud, identity theft and forgery Ive given No consent or authorization to do such activities
Product: Debt collection

I noticed that this collection appeared on my credit report but i was never notified of the debt.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to conduct a reasonable investigation into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, asserting that the disputed account is accuratewithout providing any substantive evidence that a thorough investigation has been conducted. 

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, Equifax 's conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. XXXX ) against the company for similar infractions. 

I respectfully request that the CFPB take appropriate action to ensure Equifax adheres to federal law and provides consumers with adequate proof that a legitimate investigation has been conducted in response to credit report disputes. 


They have my Name inaccurately on the report as XXXX XXXX that I wish to be purged and permanently removed. 

They have my address inaccurately on the report as XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX that I wish to be purged and permanently removed. 

These are the accounts that I've marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a statement from Axos on XX/XX/XXXX for collection of a 2nd mortgage that was paid off in early XXXX of XXXX. We ( XXXX and I ) received a payoff letter and XXXX mortgage paid it off. I don't understand why this is happening after a year and 6 months.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

Made {$400.00} payment due XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment was posted the following Monday, XXXX XXXX XXXX. 
PNC Bank did not apply the XXXX XXXX XXXX  {$400.00} monthly mortgage payment for the XXXX XX/XX/2023 payment due. 
PNC Bank sent statement showing XXXX XXXX XXXX payment received but not applied to XX/XX/2023 payment that was due. 
Found statement on PNC Bank mortgage XX/XX/2023 statement : " In XX/XX/2023, the Prepaid Funds Functionality for your account will be discontinued. Prepaid Funds will no longer satisfy any or all of a Regular Monthly Payment due. As of XX/XX/2023, a payment will be required every month. Any amount that exceed your minimum payment due will be applied pursuant to the terms of your loan agreement. '' Note that despite having made the payment in the month in which it was due, PNC Bank did not properly apply the payment to the account. 
XXXX XXXX XXXX  met with XXXX XXXX at XXXX XXXX PNC Bank branch. XXXX XXXX called someone and spoke with them about this issue. XXXX XXXX informed me that they would research the problem on Monday or Tuesday, and that if I did not hear from her by the following Thursday I was to call her. 
Not having heard anything, I called and spoke with XXXX on Thursday, XXXX XXXX XXXX 
XXXX called later and left a voice mail message, saying, " They re-applied the payment. So, the letter I got in the mail just crossed in the mail. You are absolutely fine. '' Tuesday, XXXX XXXX XXXX  or Tuesday, XXXX XX/XX/2023 received a call from PNC Payment Options but they hung up when I answered. 
XXXX XX/XX/2023 received a collections notice from PNC Bank claiming that the XXXX XXXX XXXX mortgage payment was not made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert on my credit report on XXXX saying I owe a company " XXXX XXXX XXXX '' {$1200.00}. which was reported to XXXX from Capitol Accounts in Tennessee. 

I never received anything from " Capitol Accounts '' about this delinquent bill. No dunning notices or phone calls. This alone is a clear violation of the FDCPA allowing me up to 30 days to dispute account. 

First, this is NOT my bill! Second, when I called this company they asked if my birthday is XXXX. That was my deceased father 's birthday. 

I have never signed any agreements or done business with this XXXX XXXX XXXX. This is something my dad had. 

I have had PERFECT credit for over 30 years. Never once delinquent on any thing. In one clean swoop this collection agency took my credit from excellent to good and within 24 hours. 

I can only think that the reason how this company got my address is that since he passed away all his mail is being forwarded to me. On top of that, I was born in XXXX NOT XXXX. 

To assume they had the right person, BEFORE listing the account with credit bureaus, they should have done a better investigation instead of just ruining my credit. 

I opened a dispute with XXXX and they came back with a response that through their process and contacting Capital accounts, the bill is valid and will remain on my credit report.
Product: Debt collection

I got a letter from NCI ( Nationwide Credit Inc. ) stating that I owed {$870.00} to XXXX as of today 's date they came to my house and did a service call less than 2 weeks ago I never got a bill in the mail and thought I guess due to the pandemic I would receive one. As of today 's date I never got a bill in the amount of {$870.00} and never owed such a large amount of money to this company. I signed up for a monthly plan but never got a bill for {$870.00}. You can not pay a bill if you never got it and you can't ask for money that is not owed. Definitely can not do a service call this week and next week put a customer in collection. This is the most ridiculous set of accounting I have seen I know that I was ill and paid a fee to them that may have been returned and even that amount was never in the amount of {$870.00} which I made an effort to pay them and they closed the account out in a week and forwarded it to a collection not giving the customer enough time to settle the error and forward straight to collections if this company is doing this to me imagine all the other customers they are doing asking for money that is not owed and not billed and you are a customer this month and next month in collections in less than a month. I repeat I never got a bill for {$870.00} in all the time I have been a customer with this company I realize this is a pandemic but should people pay because they don't have proper staff to send a bill that is not correct.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Open XXXX {$15000.00} XXXX XXXX XXXX Open XXXX {$10000.00} XXXX XXXX XXXX  XXXX Open XXXX {$3200.00} These debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices according to the FDCPA they violated my rights