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

Coinbase refuses to timely and adequately investigate unauthorized accounts and transactions. A user is illegally using their services as an escrow account as a part of an elaborate fraudulent scam, but the company wont respond to email requests on their support line, nor will they take calls. 
One of their users has taken my identity and others to open accounts and fraudulently wire money into those accounts. I have sent over 30 messages through their support email the same day these funds were wired to no avail. I contacted their bank servicer, XXXX XXXX, who also had no way of contacting them and have provided information to the authorities. 
The account number XXXX Routing number XXXX is a fraudulent account using my stolen identity to wire funds into under an escrow account. Coinbase will not respond, not take calls, and cooperate with an investigation with authorities.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My wallet and personal information was stolen and a fraudulent Amex credit card was opened under my name. I notified Amex in XXXX they have been telling me for over a year not to worry and dont pay my bill on the account. They refuse not to give me information in writing so I record them on the phone i have dozens of recordings where I feel Im being lied to by Amex. 
I have a print out of my credit report where every month starting in XX/XX/2022 5 months after I reported to Amex someone stole my identity.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a customer for a long time with capital one I fell on hard times and was late in XXXX I asked for them to remove late As goodwill. Im trying to purchase a home yet still havent heard from them and its been past 30 days.
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 XXXXXX/XX/XXXXXXXX All creditors above have 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 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 and 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: Debt collection

SpeedyCash has attempted to extort me since XX/XX/2017 in XXXX Texas. Their tactics began when I began to work for XXXX and XXXX XXXX XXXX XXXX. Their tactics were aggressive and misleading. In order to continue their perpetuation of disrespect, they used countless area codes originating in places across the globe. They called from XXXX, XXXX, etc, in attempts to collect debts that, based on our written agreements, were paid off. 

I paid them what I owed, plus interest, however, once I moved into XXXX XXXX at XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX, they continue to call and beg for me to pay off what was already paid. I was a government employee, earner, and they knew I paid them enough. However, they have threatened to sue me over old funds and garnish my wages, even though, I have none due to their negligent and fraudulent acts.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau cc ; BMO Harris bank XX/XX/XXXX Dear XXXX I XXXX XXXX opened online a checking account # XXXX with BMO Harris Bank an account on XX/XX/XXXX with initial deposit of {$50000.00} via ACH from my account at XXXX XXXX in XXXX NY where I reside. 
On XX/XX/XXXX I requested thru my Account login at BMO Harris Bank to close my account and mail me a check to my name and mail it to my address, in return I was told to do it thru a secured procedure I have tried several time but the procedure does not get completed. 
Attached is the screen shots of various tries to send them the documents they requested but could not complete the transfer. 
I requested several times help from the bank to assist me but mysteriously I get disconnected, from my 20-30 calls that I initiated to the bank for the last 15 days I could not get the same person and can not get the procedure completed to their satisfaction. 
I tried to get back my money thru a ACH transfer to the same bank where BMO Harris Bank received the fund from. 
I believe that BMO Harris Bank is trying to prevent me from taking out my money in a very unfair disgusting way. Some of the persons who answered my call were very rude to me and refused to help me they just hung up the phone on me. 
I am attaching my notarized drivers license with the notarys Business Card. 
I am attaching copies of several checks that I received the last 2 weeks, just by making a phone call. 
I am attaching my current checking account where it shows several ACH transfers. 
I demand to get my money from BMO Harris Bank ASAP XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

We had a complaint and did a fraud alert with bank of America and they credited our account temporarily for the {$300.00} then all of a sudden without notify us the claim had been closed or anything they just take out the {$300.00} without us even knowing anything putting our account into the red which h I do not appreciate at all they tell us you get a letter in the mail that 's not right they should notify me they are taking out the money or that the case has been closed before they start just taking money out without my knowledge very upset about about this
Product: Money transfer, virtual currency, or money service

hi, paypal blocked my account without any reason. i have balance in my account and i made purchase with my debit card. now i received a email that my account was permanent close and my money is hold again for 180 days. i never had any dispute or chargeback in my account, and now i cant use this account but i need my money. PayPal. ( Id. de XXXX my emaill XXXX XXXX
Product: Student loan

I had no idea loan amounts would be this large and would be for this amount, the school job rate after is awful this degree they say there is nothing that can be done getting a degree here was too expensive with no help to obtain a decent job
Product: Debt collection

I was a victim of identity theft and noticed a collection from Concentric Receivable I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Concentric Receivable in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

My information was exposed and used due to experian data breach I want this removed off my reports..I gave no consent
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT, THERES SOME ACCOUNTS HAS BEEN OPENED WITHOUT MY CONCENT AND THEY ARE AFFECTING MY REPORT SO BAD. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.
Product: Debt collection

A few months ago, I discovered a collection from Credence Resource Management on my XXXX credit report for a XXXX account supposedly opened years ago. I am unaware of this debt and have always paid my bills on time. I initially disputed it through XXXX, but the dispute was rejected. Subsequently, I mailed Credence Resource Management a Debt Verification Letter to formally dispute the debt and request proof that I owe it, but I received no documentation in response. I firmly believe this debt is not mine and continue to dispute its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my husband have a Harley Davidson financial account and it is reporting late payment for XX/XX/2017 and the payment was not late that month. I have tried to contact them on the phone and on the web site and all we get back is : Good Afternoon XXXX and XXXX : Thank you for contacting us with questions about your loan and for using XXXX. 

We have reviewed our records and determined that your account is being accurately reported to the credit reporting agencies. Accurate credit reporting is required by law ; therefore we can not remove any payment history that has been previously reported. 

If you have any questions, you can reply to this e-mail or call Rider Services at ( XXXX ) XXXX-XXXX, and one of our representatives will be happy to speak with you. 

Enjoy your ride, Rider Services Team Harley-Davidson Financial Services Which is not correct we paid in XX/XX/XXXXfor XX/XX/XXXXAND XX/XX/XXXX I have attached my bank statement for that month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}.
Product: Mortgage

My wife and I bought a home in XXXX. In XXXX, our mortgage was sold to another mortgage company. They informed us that we did not have enough money in our escrow to cover a one-time payment of our county taxes the following year, so we were told we had the option of upping our monthly bill or seeding the account with more money to cover the difference. In XX/XX/XXXX when our county tax bill came due, the mortgage company submitted a semiannual payment instead of an annual payment. Because of this, we stood to lose a small discount on our county tax bill. More at issue was that the mortgage company 's words from XXXX and their actions in XXXX did not match, which was frustrating. We contacted their customer service desk XXXX and were given the run-around with no clear resolution. We sent their accounting department an e-mail stating that we would submit a complaint to the CFPB if they did not pay the rest of the bill -- we have not received a response yet.
Product: Credit reporting or other personal consumer reports

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education XXXX Department of Education XXXX XXXX are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES XXXX ). 

Based on the actions the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for XXXX XXXX XXXX XXXX ( XXXX ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the XXXX voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for XXXX were waived. 
A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment XXXX for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My Navient student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. 

XXXX is no longer responding to verification requests. 
The credit report company is now responsible for removing incorrect and inaccurate reporting information on my credit report. 

As per XXXX XXXX and XXXX XXXX any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. 

Any and All late payment information from that time period needs to be removed immediately. See references.
Product: Credit reporting or other personal consumer reports

XXXX reported fraudulent personal debt amounts to all XXXX credit bureaus. 

On XX/XX/XXXX XXXX reported my personal debt amount as {$24000.00}. As of XX/XX/XXXX my student loan amount was actually {$17000.00}. Moreover, as of XX/XX/XXXX my student loan amount is actually {$10000.00}. 

This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601. 

XXXX is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month. 

This is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ). 

Moreover, while attempting to correct this fraudulent information with XXXX, their representative ( Employee ID XXXX XXXX ) verbally stated they could not assist with this process. The representative stated that an external department would have to address the matter. Allegedly, an expedited email ( XXXX XXXX ) was issued. This is the same lie that was verbally stated to my person in XX/XX/XXXX. 

Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by XXXX. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department.

Finally, I was informed that XXXX is unable to provide an accommodation in compliance with the XXXX ( XXXX ). I was informed that XXXX is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Product: Money transfer, virtual currency, or money service

According to the IRS, my social security number was used to collect money through Cash App in XXXX. Square , Inc. sent a total of XXXX 1099-Bs to the IRS. 
The total amount is {$22000.00}. I have not ever had a Cash App or anything similar. The dates of these payments are as follows : XX/XX/XXXX - {$1900.00}, XXXX {$640.00}, XXXX {$1900.00}, XXXX {$480.00}, XXXX {$490.00}, XXXX {$1000.00}, XXXX {$370.00}, XXXX {$2100.00}, XXXX {$780.00}, XXXX {$980.00}, XXXX {$270.00}, XXXX {$590.00}, XXXX {$980.00}, XXXX {$1900.00}, XXXX {$390.00}, XXXX {$240.00}, XXXX {$230.00}, XXXX {$640.00}, XXXX {$460.00}, XXXX {$400.00}, XXXX {$1800.00}, XXXX {$820.00}, XXXX {$1200.00}, XXXX {$1200.00} which total {$22000.00}. 

I have contacted Cash App on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I was told they would forward the information to their fraud department and asked me to provide information : name, phone number, email address, what Cash tags are involved, amount of unauthorized payments, do I have a cash app, confirm last XXXX digits of card used, any screenshot regarding this issue, did I give my information to anyone. I provided all of the information they requested. I then received an email stating they can not provide tax advice, go to IdentityTheft.gov, and to contact law enforcement. I did file a report with my local law enforcement and filed a report with Identity Theft.gov.

I called Cash App back on XX/XX/XXXX to be told the case had been closed. I was told I could start over from scratch which I did only to receive the same email telling me they couldn't give tax advice, etc. The current case number I have through Cash App is XXXX. I called back on XX/XX/XXXX and was told the information would be passed to their fraud department once again. Again, I received the form email regarding the tax consultant on XX/XX/XXXX. I called once again on XX/XX/XXXX and was told it would be escalated to their fraud management. Once again, I received the same email. On XX/XX/XXXX, I called their parent company, Square , Inc. After explaining the issue, I was told that the phone call would be terminated at which time they hung up. 

I have received a notice from the IRS stating that I need to pay the taxes due.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX  days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this issue however, I have not been successful.
Product: Debt collection

XXXX XXXX and XXXX which is now called Tromberg , Morris & Poulin , PLC engages in predatory debt collection. The company has a history of predatory behavior against consumers and continues to engage in this behavior to create misery and havoc in consumers ' lives. 
The company has refused to remove a levy on my savings account despite the fact that concrete proof was sent to them indicating the funds are exempt from collection. 
The federal agencies and state agency that are supposed to protect consumers can not get involved since this predatory behavior is protected by laws that are against consumers and individuals with credit card debt. 
New legislation will probably be necessary to stop the predatory and unjust behavior by debt collection agencies such as XXXX XXXX XXXX and Tromberg, Morris and Poulin, PLC.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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