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

Wire transfer for {$310.00} XXXX has not arrived in my Coinbase account. 

I have an account with Coinbase and have verified my bank account through their process. On XXXX XXXX, 2017 I sent a wire transfer from my bank for {$310.00} to Coinbase with their reference number XXXX which should have taken only a few days to complete. This transfer has not made it to my XXXX wallet on Coinbase. I have contacted Coinbase using their support website and opened support ticket number XXXX. On XXXX XXXX, 2017, I called Coinbase customer support and talked to " XXXX '' who informed me he would escalate my issue. XXXX also told me since the wire transfer was old, my funds would probably be sent back to my bank account. This has not happened nor has the money appeared in my Coinbase wallet. I have continually reopened the same support ticket to request a resolution but still no resolution as of today, XXXX XXXX, 2017. I have attached a copy of the wire transfer from my bank to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I took a federal Perkins loan  from the XXXX XXXX XXXX XXXX of {$1300.00}. I graduated in XXXX of XXXX and because of the events that followed in XXXX ( COVID-19, lay-offs, etc ). I was under the impression that this FEDERAL loan was also deferred with my other loans. In XX/XX/XXXX I received a letter about repayment and being late although I had no prior notification. By then I was {$240.00} behind and because I was still not back at work full time due to the pandemic, I had to split the payments through XX/XX/XXXX to be able to catch up. Starting in XX/XX/XXXX I have had auto payment set up with UAS. On XX/XX/XXXX I made a dispute with XXXX when I saw my credit score drop XXXX  points and it was because it kept showing I wasn't making payments or was late and the balance was still high although I checked my UAS account at the time as well as my bank account to show I was up to date. The case was resolved until XX/XX/XXXX when I received a notification that my dispute was reopened ( NOT BY ME ) and that the agency finally updated them. I contacted the university and they also stated that other students have had the same issue with thinking that the federal perkins loan was part of the federal deferment of student loans when COVID-19 hit and stated there was no assistance due to the pandemic either. They also said they had my wrong email and mailing address which is why I never received notification of when I was supposed to be making repayment and so on my credit report it just seems like I was late for 6 months ( XXXX XXXX ) for no reason. They updated my information on XX/XX/XXXX and was told nothing else could be done.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased concert tickets for a total of {$740.00}. Concert was cancelled and the credit was posted to my account with Chase. 

On XX/XX/2020, I had paid off my balance of {$1700.00}. Yet 2 days later when my credit was posted they deducted it from my balance I had, even though that payment would not be due until XX/XX/XXXX. Those monies are owed to the 6 different people that purchased tickets and I need it to reimburse it to them. Chase should not be able to keep my money since I had made my payment, in full, 2 days earlier. 

I talked to supervisor, XXXX, and was told that that's what my agreement states. I feel that it is not legal for Chase to have access to my return. By doing so, it would make 2 payments made to them within 2 days. 

I need a check for the credit that was given to me so that I'm able to return monies to different parties.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
Credit card accounts have been removed from my credit report that I did not dispute!!
Product: Vehicle loan or lease

During the life ( XX/XX/XXXX to XX/XX/XXXX) of the loan I was undergoing severe financial struggles. Due to stress and lack of transportation at a young age, this was my first car loan and I made a bad choice when I purchased the vehicle. It had tons of severe mechanical problems that were extremely high in cost to fix that the dealership did not disclose. Most of the late payments that were made were due to trying to fix and maintain the vehicle to ensure that it stayed in working condition and I could not afford to pay the loan and fix the vehicle at the same time. The loan provider showed little to no remorse in such situation and did what they could to ensure the vehicle left my possession after late payments.
Product: Checking or savings account

I contacted my bank chase to inquire as to when I was going to be receiving my replacement card. Being that my current card expiration day is XX/XX/21. The bank went and closed my card without my consent no one called me my card was just closed. I called them and they told me they could reopen the card and it will be a 5 days turn around time to receive a new card. On top of that all my bills are attached to that card I already had a payment denied because the card is closed. They where extremely rude they close my card without any notification then I had to pay to have a new card rush to me turn around time 3 days. Because need to be careful with banking with CHASE Bank. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries on my Credit Report : XXXX XXXX XXXX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXt XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/1798 Basic Attention Token and XXXX Bitcoin disappeared from my Coinbase account with no record of any such transactions. This amounts to over {$2000.00} lost by the company. I have tried calling them over 10 times, and the only people they let me talk to are low level customer service reps who barely speak English that have no idea what is going on, and they refuse to transfer me to anyone who could help. I have tried emailing them numerous times and I have only ever received automated emails in response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I noticed i have fraudulent accounts on my credit report. Since they are fraudulent they need to be removed immediately under the FCRA.
Product: Prepaid card

On XX/XX/XXXX, I purchased the Vanilla Gift Card ending in XXXX with {$500.00} value, and it could not be used anywhere I tried, including XXXX, XXXX and gas station. 

I called Vanilla gift card services and requested a refund, the agent gave me a case number XXXX. 

Right after the call I sent in all 4 required documents - the front and back of the card, the purchasing receipt, a proof of address, and a document containing my e-signature and authorization to replace the card. 

I received an automated e-mail claiming the refund will be processed within 10 days.

It's been almost a month, after 3 calls and 4 repeated emails with 2 different e-mail addresses I have still not received any response ; every time I call the agent refuse to escalate this matter, and there are no updates to this case at all.
Product: Mortgage

Closed and paid off Morgage on XX/XX/year>. 
Still haven't received mortgage or escrow payment after 1 month I called many times and got many excuses.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims XXXX not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Debt collection

I have contacted this company and told them that this debt has nothing to do with me and they still have not removed off of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX CO XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX  XXXX XXXX ran Hard Inquires without my permission. I did not provided them with my SSN. I provided them with my business EIN number for my company " XXXX XXXX XXXX XXXX '' and they ran my SSN without my permission. Other credit card companies have not done this egregious act when I provided my EIN to them. These hard inquires need to be removed ASAP! 
I attached documents to verify my identity
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding zelle handling of disputes particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform.despite using zelle numerous times and reporting discrepancies mu financial institution and zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the cfpbs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leavings users vulnerable to scams.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX I purchased a vehicle from XXXX XXXX XX/XX/XXXX. It is now XX/XX/XXXX. Ive had an accident XX/XX/XXXX. I was in a car accident on XX/XX/XXXX reported the accident to the insurance company in the dealer the lienholder of the car the situation was not my fault. I explained to the dealership that I needed the car fixed fast because I work day stated that I do not have any insuranceafter I filed the claim and emailed the claim to XXXX XXXX collections XXXX at XXXX XXXX. I have a learners permit and I can not leave the car lot without insurance so I paid a extra XXXX dollars every month XXXX every pay period for a XXXX XXXX XXXX XXXX car is worth XXXX the charged me XXXX total when I was done. The mislead me into the contract now they are trying too hurry up and kick me off the insurance and short me on money for a car thats almost totaled I paid the extra XXXX dollars every since I have got the car they neglected me for a whole month I didnt hear anything back from them until XX/XX/XXXX its been well past XXXX days since the accident they are trying to cut me a check that will leave me with no car and XXXX dollars to my name the have lied to me and my husband about having coverage and now they are trying to cover it up I have been driving this almost totaled vehicle for a month and they are trying to be sneaky and misleading again the police pulled me over because they were concerned with my safety and I have to feed my family. Nothing but lies and the run around
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 reporting or other personal consumer reports

I am a victim of identity theft. I have identified account transactions that do not relate to any transactions made by me. It is evident that my personal financial information has been compromised and used without my consent or knowledge. Under federal law it is considered identity theft to use a persons identifying information without their consent. I am notifying all agencies who is reporting this account information to remove it from my name and any records pertaining to me. 

I have competed an identity theft report, with instructions, and identification which is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years.

15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX  XXXX # XXXX XXXX XXXX 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Reporting Dear Experian, I am writing to formally dispute the inaccurate reporting of charge-off accounts associated with XXXX, XXXX After reviewing my credit report, I found the following account numbers that contain inaccuracies : - XXXX, XXXX. 
Account Numbers : XXXX, XXXX, XXXX, XXXX The reported information, including amounts and addresses, is inaccurate. I request that you delete these accounts from my credit profile. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in reporting. If you can not verify the accuracy of these accounts, this information must be promptly deleted. 

Please provide me with all information your bureau used to verify the inaccuracies in these accounts. Should you fail to comply with my request for deletion and can not produce XXXX XXXX compliant evidence, I will have no choice but to involve my legal team to file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of North Carolina, along with pursuing any further legal action deemed necessary, including civil punitive damages. 

Upon completion of your investigation, please send me an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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
Product: Debt collection

XXXX XXXX XXXX # XXXX XXXX, Ca, XXXX XXXX XXXX XX/XX/year>2024 Mrs Bpo XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below. 

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account. 
A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt. 
Proof of Licensing and Bonding : Verification that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged balance owed : {$660.00} Original Creditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that this information was erroneous. The TransUnion credit bureau must validate this inquiry in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting inquiry as unverified information without providing any proof within the period allowed by law. The inquiry need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX Inquired on XX/XX/2022
Product: Credit reporting

I have a credit monitoring account and it showed that my inquiries were removed on Transunion. I received an alert a week later and all of the inquiries were listed on my account again. Transunion did not notify me of this taking place which is illegal. I called them to remove the inquiries but they only removed XXXX.