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

i opened an account with coinbase.com in XX/XX/XXXX 2017 in order to invest in bitcoin . I initially deposited $XXXX to my new coinbase account & invested in bitcoin. After a few weeks, having made about $XXXX,  I sold the bitcoin & transferred the money to the coinbase wallet & also left a few dollars in bitcoin, etherium, litecoin, etc. I tried to WITHDRAW U.S. DOLLARS shortly thereafter from my Wallet balance of about $XXXX to my XXXX account & was told I needed to "verify my identity" by uploading a front & back photo of my california driver's license. I did this once, twice...and now five or six times, & it keeps telling me the verification "failed." Other ways to withdraw will not work either. The banks they work with do NOT include my credit union, etc. And they will NOT tell my why my verification failed; what I can or should do to rectify , etc. PLEASE HELP !
Product: Credit reporting, credit repair services, 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Consumer Loan

One Main have sold this account to XXXX XXXX were my husband is making {$50.00} payments every week. I need to get One Main off our report report as a charge off. Now that the other creditor have the account and receiving payments.
Product: Checking or savings account

I called m & t bank 2 days before the fraud took place which means by federal law us code 1693g i am liable for only up to XXXX $ they denied my claim and gave me NO reason. They said there wasn't much details. they didn't provide the info they had to by federal law again us code 1693g a Photo ID, fingerprint, or signature proving it was me who made the transaction someone stole XXXX $ using my card at an atm And no I did not have my card when this took place and notified them 1 day after the fraud took place. I need my money back this is corrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 4TH ATTEMPT TO GET EXPERIAN TO TAKE MY SISTERS INFORMATION OFF OF MY CREDIT REPORT. THEY CHANGED MY NAME AS XXXX " XXXX XXXX '' AND CHANGED MY BIRTH YEAR TO HERS, AND ADDED ALL OF HER OUTSTANDING STUDENT LOANS TO MY REPORT. THEY SAID THEY FIXED IT, AND IT STILL REMAINS ON MY REPORT. IN FACT, THEY SEND ME MESSAGES THAT HER INFO IS ON HER REPORT. ONCE A MONTH EXPERIAN SENDS ME A MESSAGE THAT MY CREDIT SCORE DROPPED 150 POINTS AND THEY SHOW HER STUDENT LOANS ON MY REPORT, THEN 7 DAYS LATER I GET A NOTICE FROM EXPERIAN THAT MY CREDIT SCORE HAS JUMPED UP 150 POINTS. THEY PUT HER INFO ON, AND THEN TAKE IT OFF, EVERY MONTH.   I HAVE SUFFERED NUMEROUS INSTANCES OF FINANCIAL HARDSHIP BECAUSE OF THIS COMPANY. I APPLIED FOR A REFI ON MY HOME, AND WAS DENIED, WHICH PROMPTED ME TO FILE MY FIRST COMPLAINT AND THEY INDICATED THAT THEY FIXED IT, BUT THEN I APPLIED AGAIN FOR REFI, AND IT SHOWED UP AGAIN. NOW, I TRIED TO REFINANCE MY AUTO LOAN AND WAS DENIED FOR THAT NOW BECAUSE MY SISTERS STUDENT LOANS ARE ON MY REPORT,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I recently requested a credit report from Experian, and the information on the report really shocked me, it mixed up my report with another personal. We have totally different names, birth dates, and SSN numbers ( the other person had one, but I do not have one ).

I contacted Experian, they said there is NOWAY to do the adjustment since I do not have an SSN, while this is not my fault to mix up the information on my report and they mixed up it and let me have this BAD credit history with me for the whole life? It really affects my daily life when checking my credit history. 

I provided the screenshot of the credit report and my passport & bank statement as proof. 

Please help to connect with Experian and adjust my credit report. 

Thank you so much. 

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

I mailed out my dispute letter XX/XX/20 to transunion. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft related to a data breach. 
The fraudulent activity associated with my identity has resulted in unauthorized accounts and inquiries appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit file : Fraudulent Accounts : XXXX. Creditor Name : XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) around XX/XX/2023, on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the XXXX  was that was used? I am not disputing this again ; I'm specifically asking for the method of verification for the below. 

As you know, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), the courts ruled each and every time that the XXXX couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the XXXX system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you and I sincerely look forward to your response.
Product: Debt collection

avant llc sold my debt to XXXX XXXX XXXX  without my written consent that identity theft
Product: Mortgage

I began the process of refinancing my home with Bank of America, who currently holds my mortgage after being contacted by them several times, on XX/XX/2015.  After several requests for additional information, and a lot of confusion XXXX, they asked for verification about a particular payment I received, which caused a huge red flag, and they convinced me to close the loan application to start over, as it was easier for them.  This was in XX/XX/XXXX I believe.  I was shuffled through XXXX different people.  I spent a good portion of my time every day or so preparing information, even going into a branch at XXXX point to attempt to fax information directly to the agent who requested it.  After the restart, a new person contacted me, saying that additional information focusing more on my XXXX income would solve the confusion, and a new list of information requested was sent to me.  A lot of it had to come from my CPA and bookkeeper, so they prepared a large file for me to send and I did.  The agent who requested it emailed me back saying he would put it into my file.  Half an hour later he called me to apologize, that my loan had been cancelled, because he had failed to tell me I only had 72 hours to get my CPA and bookkeeper's information.  I had done nothing wrong.  It was their error XXXX and XXXX my loan was cancelled.
Today I got a Notice of Action Taken, which says that the application was not approved because of INSUFFICENT CASH : INSUFFICENT LIQUID ASSETS TO CLOSE THE LOAN.
I am in shock and horror - scared to death that this will end up on my credit report.  There was NEVER a suggestion that I did not have cash to close the loan.  I was ready each and every time they told me we were about to close to meet the requirements of the costs, which was approximately XXXX times.  I am completely panicked now that this huge bank has not only screwed up my credit by requesting it multiple times from the credit agencies, but now that this Notice is on my financial report as well.  I do not know who can help me and I have emailed the original agent I worked with there to help me, but I doubt I will even get a response.  I believe BofA needs to be disciplined for this.  No one got anything from this deal and now I am much worse off than if I had never said yes to them in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account listed by XXXX XXXX XXXX as balance of {$360.00} showing on a charged off account. The balance and status are showing updates as of XX/XX/XXXX as correctly reporting with no change per previous dispute. There is no way that this account could have been validated or investigated correctly based on this information disputed multiple times. 
There can be NO balance on a charged off account. I want this corrected or removed from my credit report. 
I have been denied credit due to this account reporting incorrectly on my report.
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 : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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

i have an account with Capital One, after reviewing my statement i have notice that additional interest was accessed on the account after the XXXX statement was paid in full on XX/XX/year> and the due date is XX/XX/year>. 
I called the customer service line on Saturday, XX/XX/year> at XXXX and the representative i spoke to is rude and can not explain why the additional interest was applied to the account. Not only she is talking over me but hang up as well. ( unacceptable behavior ) i called again and spoke with supposedly a supervisor by the name of XXXX, i ask her to review the call of my encounter with the employee who is rude, but she claimed they do not have the recording and can not review it ( it's a lie as the beginning of the call, there is a disclaimer that the call is being recorded and monitored ). 
My XXXX Statement has a balance of {$1800.00} that is due on XX/XX/year>. I paid the balance in full on XX/XX/year>. Interest has already been applied in the amount of {$30.00} posted on XX/XX/year>. Interest was applied again on XX/XX/year> for {$8.00}. 
Her explanation state that the additional interest was applied from the XX/XX/year> to XXXXin which it does not make any sense. see attached documents
Product: Checking or savings account

Dear CFPB Team, I hope this message finds you well. On XX/XX/, I experienced a scam resulting in an unauthorized {$150.00} transaction on my Wells Fargo debit card. Despite reporting it promptly and filing a claim, Wells Fargo declined my request for reimbursement, insisting that I consciously made the transaction, and no action was taken to try to get me money back. The call with Wells Fargo was made on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

I was charged a foreign transaction fee of XXXX on XXXX/XXXX/2016. The bank explained that this fee was charged in relation to a ticket purchase I made through XXXX XXXX website because it was made through foreign currency. I advised the bank that I made the transaction through US dollars and that there were no indications on the airlines website or in the receipt I received that there will be any fees associated with the transaction. Since such a fee was not disclosed to me at the time of transaction, I requested a waiver of the fee. My request was denied.
Product: Debt collection

I applied for a mortgage loan and was surprised to see a collection from XXXX XXXX for my internet service which dropped my FICO scores significantly. I cancelled my internet service in my XXXX, AZ home with XXXX in XXXX and paid the due on XXXX XXXX with the understanding that all my account balances are paid off. So I stopped my payments. But there was a bill posted on my XXXX account in XXXX which I was not aware of as I stopped checking my XXXX account. And there was no communication from XXXX ( they usually call if a payment is due ) about this. Also based on the bill, the payment was due by XXXX XXXX and they reported it to credit on XX/XX/2020 which is even less than 30 days. Due to this I have not & did not obtain the full statutory period in which to take care of this debt in question as I did not receive any initial notification regarding the debt. In my opinion, this might be the case as I cancelled their service. 
This collection has been addressed with the original creditor XXXX XXXX, not RadiusGlobal, as a gap in communication once I was aware of this in XXXX. But they declined to remove it from my credit report. I would like to request this collection be removed from my credit due to erroneous collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I getting the run around about correcting a ongoing balance. XXXX XXXX blames it XXXX and XXXX  blames it on XXXX XXXX. It is holding me up from buying my home. Loan officer wont let me go further
Product: Credit reporting or other personal consumer reports

I am trying to buy a house, so I pulled my credit report and noticed that I have a late payment reported by Comenity Bank/Victoria XX/XX/2024. I was really having some personal issues as I am a victim of XXXX XXXX. I reached out to the company, and they were unable to help me with this matter. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 

I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 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 XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a complaint to Equifax via the CFPB portal. I would like to cancel this CFPB as filed. Complaint number XXXX. I no longer wish to dispute the item reporting. I have attached a copy of my credit report for reference. Please discontinue investigating this CFPB.
Product: Credit reporting or other personal consumer reports

This is about Derogatory account on my credit report which was open in XX/XX/XXXX  after 7 years it was supposed to be fallen off my credit report but it still hasnt. Instead, it was re-sold from to company call XXXX XXXX XXXX XXXX after seven years and now the TransUnions is telling me that the 7 year clock has restarted. I sent them all the documents mentioning that this collection account was open almost 8 years ago by company called XXXX XXXX, and by law, they should remove it. But instead they were telling me that the collection was sold to different company, called XXXX XXXX XXXX XXXX whom reopen this collection this year in XXXX, and it will take another seven years to fall off. So I asked them what happens after another 7 years, if this company sells it to a different company, it will the 7 year clock start again and this will continue until I die they had no answer that.
Product: Debt collection

I was contacted by a collecting agent by the name Capital Accounts on XX/XX/2021. Capital Accounts wants me to pay a debt of {$900.00} and the creditor is XXXX XXXX ( See attached copy of First Letter from Collecting Agent ). In response to my debt validation request, Capital Accounts sent me a medical bill put up by the physicians office ( See attached copy of Second Letter from Collecting Agent - WOB ). This medical bill is not a proof that I owe the debt and I have already disputed it with the physicians office before. Later, on XX/XX/2021, Capital Accounts sent me a letter telling me that they had sent a delinquent debt report to the three credit bureaus ( See attached copy of 4th Letter from Collecting Agent ). 
I have made it very clear to Capital Accounts that these medical charges are all wrong and I had already disputed them with the physician. Yet, Capital Accounts ignores all the facts and continues to conduct activities to damage my reputation by sending delinquent debt reports to the credit bureaus despite the fact that it did not or could not prove the debt it claims on me. This is a brutal attack on consumer rights. Please take all necessary actions to punish such outrageous behaviors.