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

I am a loyal customer of Coinbase and referred several friends and family members to open a Coinbase account. On XX/XX/21 my Bank account had two charges from Coinbase which I did not make ( {$1000.00} and {$110.00} ). I contacted Coinbase to get an explanation for the two charges. Coinbase immediately suspended my account and assigned a Case # XXXX. After contacting Coinbase in efforts to change my password and regain access to my account. I received an automated email stating it normally takes 4-5 business days for a specialist to review my case, which this has been 15 days now with no response or update. Since then I have made repeated attempts to contact Coinbase with returning emails of any updates. I would like my case expedited and account re-opened since there was not a problem with my Coinbase account, it was charges on my Bank account from Coinbase. The account is in excess of {$300000.00} US and I have no access to verify my account balances. I will update what happens from here and timing to access my Coinbase account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : XXXX, XXXX ' XXXX, XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any knowledge about the accounts stated below.My personal information has been compromised. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Im resubmitting 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 Name XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXX  ) XXXX  Balance : {$400.00} XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX called my spouse on XX/XX/XXXX about my Walmart Credit Card debt. He disclosed how much I owed and this person is not an authorized person on my account. I feel this is illegal and my information should not be shared. 

The numbet he called from XXXX.
Product: Debt collection

Ive contacted XXXX Receivables performance management LLC in regards to a XXXX XXXX bill in the amount of {$1500.00} account # XXXX that is not mine. This account has stopped me from receiving a loan from my bank and is hurting my credit score. They have refused to provide proof of any documentation that shows I opened this account. It has been well over the 30 days to do so. I felt pressured by the collector to pay debt that I do not owe. Ive asked them to remove it and stop reporting it and they have refused to do so.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Information on Credit Report Pursuant to FCRA Section 605B and 15 U.S. Code 1681c-2 ( a ) Complainant : XXXX XXXX XXXX Details : I am filing this complaint to request immediate action under Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( a ). As a victim of identity theft stemming from a data breach, I am exercising my rights to have fraudulent information blocked from my credit report. 

Nature of the Issue : Due to the data breach and subsequent identity theft involving my Social Security Number ( SSN ) and other personal information, I have discovered unauthorized accounts and transactions reported on my credit file. These fraudulent items have negatively impacted my creditworthiness, as evidenced by a recent denial of credit from my bank. 

The items I am disputing and requesting to be blocked are : XXXX XXXX XXXX XXXX XXXX  XXXX Supporting Documentation : I have included the following documentation to substantiate my dispute : A copy of my original dispute letter sent to XXXX. 

A copy of my government-issued ID and Social Security card for identity verification. 

A copy of my Federal Trade Commission ( FTC ) Identity Theft Report. 

Legal Basis for the Request : Under FCRA Section 605B, credit reporting agencies are required to block the reporting of any information resulting from identity theft within four ( 4 ) business days of receiving the consumers dispute and supporting documentation. Furthermore, under 15 USC 1681c-2 ( a ), credit reporting agencies must ensure that such information is excluded from the consumers credit report and that creditors or furnishers of the fraudulent accounts are informed of the block. 


If additional information or actions are required on my part to facilitate the resolution of this matter, please notify me immediately. 

Thank you for your prompt attention to this serious issue. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card

My name is XXXX XXXX. Citi closed all my credit cards without a reasonable reason. However, my Citi Premier credit card was charged a {$95.00} annual fee in XXXX just before Citi closed my account. Since you close my account I shouldn't be charged any annual fee. I am shocked Citi still charges my annual fee for my closed account and takes money from autopay on XX/XX/2023. I called Citi and been told I should see the refund on my account but until now there has been no refund on my credit card. Please refund the {$95.00} annual fee to me ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, # XXXX AR CHILD SUPPORT ENF, AR CHILD SUPPORT SER, AR OFF OF CHILDSPRT ENFO, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, AR CHILD SUPOORT SER 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I have viewed my credit report from all 2 credit reporting agencies. I noticed in my hard inquiries there are some companies unknown to me as well as I've never given them permission to pull my credit report. When I contact XXXX, XXXX  and Transunion, I was told by all three credit bureaus to contact the creditors directly. When I contacted the creditors one by one, I was advised they could not assist me and referred me back to the three buraus. I am asking the assistance of CFPB to help remove these unauthorized inquiries from my credit reports : Transunion Reports : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 


I did not give my written or verbal permission for any of the above hard inquires. 

Please Help
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts, the fraudulent, inaccurate, and misleading information on my consumer report remains uncorrected. These false entries have seriously disrupted my life, causing substantial stress and anxiety. I must emphasize that I never authorized this information to be linked to my name, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank 0n XX/XX/19 has an Inquiries on my credit files in which I did not apply for any new credit or ask for any increase in credit.
Product: Mortgage

I am trying to stop the foreclosure of my home and have been working diligently with the Citizens Bank Home set for auction XXXX XXXX, 2015
Product: Credit card

I been disputing this account since XX/XX/XXXX, however, ( 1 ) the Bank has been unable to produce the documentation from current balance of {$22000.00}, as the credit card had a {$11000.00} credit line; and ( 2 ) the Bank has been unable to produce documentation in support of the aforementioned debt. I reported identity theft since the beginning as I was XXXX on XX/XX/XXXX, and unable to make charges, I was XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I been providing police report and other documents, however, the Bank reply to me with automated letters.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute a bankruptcy account inaccurately reporting on my credit reports with XXXX, Equifax, and XXXX. I have never filed for bankruptcy in my life, and this information is both inaccurate and damaging to my credit. 
On [ insert date ], I visited the United States Bankruptcy Court in XXXX XXXX, California, where I spoke with a clerk who verified that there is no record of a bankruptcy filing under my name. The clerk confirmed that the reporting of such information on my credit report is in error.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported is accurate and verifiable. This inaccurate bankruptcy reporting violates my rights and misrepresents my credit history. 

I am requesting an immediate investigation into this matter and the permanent deletion of the erroneous bankruptcy entry from my credit reports with all three bureaus. Please provide written confirmation of the results of your investigation within the legally mandated time frame. 

Attached to this letter are supporting documents, including a written statement detailing the findings from the bankruptcy court clerk. Should you require additional information, please contact me directly at the information provided above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Why is Select Portfolio Servicing allowed to charge me {$5.00} to pay my mortgage online? XXXX XXXX XXXX does this if you pay past a certain date but I am able to go into a branch and make my payment in person. SPS does not have this same opportunity. This is ridiculous and should not be allowed.
Product: Mortgage

My mortgage is with XXXX i just got it XXXX months ago and they used an assumption to set my escrow based on what they thought my property taxes would be. Well they thought they would be {$1900.00} a year roughly and they are actually {$8.00} big difference. I have emailed and called XXXX times over the last XXXX months to get a refund for overpayment and get my escrow payment adjusted as i should not have to be overpaying it and them keeping my money. I keep getting told it will be handled and no one ever handles it. i call back and they submit a new request and still nothing. I am yet to get an email or a call back or a letter about adjusting my escrow payment and getting me a refund for the over payment I have made.
Product: Money transfer, virtual currency, or money service

Cash app did nothing to settle my fraud charges. I tried to dispute charges that someone had stolen my cashapp info and collected money sending to my account then transferring it to there account while I was sick in the hospital. I tried and submitted nothing was resolved. This person cashapp didnt help me find or return my money stole over a XXXX dollars from me. I since then had to create a whole new account and start from scratch
Product: Credit card

Please review the attached documents. I am requesting the bureau to investigate the accounts that are inaccurately reporting me as late, despite my timely payments.
Product: Payday loan

I borrowed XXXX dollars from Big Picture Loans.I have already paid them XXXX dollars. I asked them to send me my interest rate after 2 weeks I received it. They want to charge me XXXX dollars for a XXXX dollar loan. This is robbery.and I do n't know how they can do this legally. I can not pay this kind of interest and would appreciate your help. Thank you
Product: Credit reporting or other personal consumer reports

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and anxiety, undermining my trust in the credit reporting system. 

Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.
Product: Debt collection

As of XX/XX/2020, I have sent monthly letters to XXXX  XXXX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX  XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Debt collection

On XXXX I disputed a {$120.00} collection I requested that the debt be validated in that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Consumer Loan

My vehicle was repossessed on XXXX/XXXX/2016 for paying a partial payment of {$200.00} on my car note. I intended to pay the remainder of the {$380.00} note which is {$180.00} on XXXX but my vehicle was taken for being 15 days past due. To my knowledge a repossession notice is sent prior to repossessing a vehicle. I inquired on the date the letter was sent and was advised it was sent on XXXX with a cure date of XXXX. I also paid XXXX 's payment late, which was on XXXX the day I received the intent notice. So I am no longer bothered by the vehicle being repossessed for being 2 weeks late. Now I am being called 3 times a day from Westlake Financial to recover the vehicle. They tacked on fees and are willing to put the fees on the end of the loan if I pay the {$180.00} for XXXX and also pay XXXX payment. They are also willing to add XXXX payment to the end of the loan. The representative would not answer as to why was n't I given assistance to avoid the repossession versus being called daily to recover the vehicle. So I looked at blogs dedicated to Westlake Financials practices and this in a way for them to make extra money. They repossess cars for being less than 30 days past due then offer assistance to recover the vehicle. The assistance extends the loan and generates more interest. I have repeatedly asked Westlake to discontinue contact as they have the property but they refuse. They are already charging 27 % interest and late fees I do not understand the purpose of taking a vehicle then charging to get it back, and harassing you if you do n't get it back. I have been repeatedly threatened by representatives of Westlake Financial on the outcome of not recovering the vehicle as to make me recover the vehicle so I can always worry every night that when I wake up will my car be there. Please assist with the constant phone harassment and the outcome of repossessing a vehicle without notice.
Product: Debt collection

I was shopping for a XXXX during XXXX 2018 and went to XXXX XXXX to see pricing they ran my credit and I decide not to accept their offer. I left their store and almost 6-8 months later and have a collection on my credit. Never accepted. It looks like XXXX XXXX used my information. I went to the store in XXXX Ca.