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

Coinbase.com After years of issue free service, I was told that my " buys are disabled '' and I need to verify my identification. After, identification was successfully verified. Then I was told that my " buys are disabled for unknown reasons ''. I contacted support and they quickly got back to me telling me that they 're looking into it. I created another account with different information and different bank accounts. I was quickly told that my " buys are disabled for unknown reasons ''. I 'm now locked out of my account and I can neither withdraw the money I have nor buy more. I contacted support again and it has been 1 month with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a real person and I am a natural person. I am a living human being and I have the rights under 15 USC 1681. XXXX, XXXX, and Transunion are governed by 15 USC 1681 and they are violating my rights numerous times. I demand the INQUIRIES listed below to be removed : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX - XXXX XX/XX/XXXX. 
All these inquiries are unknown and I have never authorized them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports. In accordance with the Fair Credit Reporting Act, the inquiries attached are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. These are clear violations of my federally protected consumer rights.
Product: Debt collection

This company First National Collection Bureau , Inc. ( FNCB ), Harass me from different phones numbers about a Debt resulted from identity theft back in 2011 with inaccurate and misleading information and refuse to send or validate the documents, but demand that I send them a payment for this fraudulent debt ( does not relate to any transaction ( s ) that I have made
Product: Debt collection

During a fairly routine credit check I discovered a judgment against myself from " Savit Collection Agency ''. I was unaware of any outstanding debt and to this day still do not know where it came from. My credit card companies, auto loan, rental agreements and banks have all confirmed I'm in good standing, so it may not be mine. 

Regardless, the amount does not appear significant so rather than bother with disputes I simply wanted to pay this debt in full and have it, at a minimum, listed as settled on my credit report, if not paid-in-full. 

Unfortunately, the agency never provided me with any information in the first place. When trying to make a payment on their site, they redirect you to their customer service phone/email options. That's fine. 

Except you can not actually get in touch with anyone. I've left messages for the agency three times and can not receive any correspondence, despite me openly communicating that whether the debt is mine or not I want to pay them in full. One would figure that'd be an incentive to respond. 

So I have this judgment remaining on my credit report, I suppose indefinitely, because I can not just mail money off into the ether and assume it'll be removed, but I also can't confirm anything about the amount of my payment, the account #, where to pay, how to pay, etc. 

Terrible agency.
Product: Checking or savings account

I recently had a 17 mo. CD mature on XX/XX/XXXX. I received a letter informing me of the maturity date sent XX/XX/XXXX.., I received this letter while I was out of town. after returning I saw the notification of maturity but didn't read further to see the notice of automatic roll over to an 18 mo. CD with a new maturity date of XX/XX/XXXX. Today, 1 day after a grace period ended I was looking over my banking mail and read this information, it took my breath away, I was not aware of the automatic roll over policy and was never verbally told this. I now have an unwanted 18 mo. CD with the amount of {$250000.00} at 0.5 % which I never formally signed up for. I am continuing to try and resolve this with the bank but have had little consideration. They will charge me a XXXX penalty to withdraw, I feel like someone stole my money and I'm being held hostage. I feel this automatic roll over policy is very unethical. I had another CD mature with my Credit Union and when it matured they put it in my money market account so I assumed that was how this was handled. I do have other accounts with Umpqua Bank, XXXX XXXX. WA XXXX so the funds could have been moved there. Hoping you can advise me how best to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14, 15, 16, 17 and 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with XXXX over an erroneous listing of bankruptcy filing on my credit report. I contacted my mortgage company and KIA Motors Finance immediately when I found that they had mistakenly moved my accounts into their bankruptcy departments.. The person filing for bankruptcy has the same name and the same last 4 digits of their SSN as I but whose full SSN and state of residence are different. 
I was told by both companies that the error would be immediately corrected. They both withdraw my standard monthly payments in early XXXX and unfroze my accounts. 
Despite this, XXXX is reporting in its completed investigative report that my KIA account is in bankruptcy based upon KIA 's last update on XX/XX/2020. When I called KIA Motors Finance when I received the report on XX/XX/2020, the company stated that they had updated the correct information on XX/XX/2020. On XX/XX/2020 ( same day ), I called XXXX with the file/control # that KIA provides to XXXX that reflects updated credit information but XXXX claimed they could not make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, purchased a lease from Toyota Motor credit. XX/XX/XXXX My final lease payment was pulled from checking account and posted to my Toyota acct. i notified Toyota Motor credit that I was currently waiting on a new vehicle from Toyota, to return my lease. My new vehicle arrived XX/XX/XXXX. XXXX XXXX XXXX, in XXXX XXXX purchased the lease from me, paying off Toyota motor credit the remaining owed ( {$31000.00} ) from the payoff received from Toyota Motor credit, that day. Sometime in between those dates- Toyota credit, somehow reversed my XX/XX/XXXX payment from my account and applied it somewhere else, that I dont know if. I received a called from Toyota credit, XX/XX/XXXX telling me my account is XXXX days past due and I now owe XXXX and XX/XX/XXXX payments. The XX/XX/XXXX payment, was not returned to me nor applied to my account. I made numerous calls ti TFS to get this corrects and was told, the accounting department was working on it. They could see the payment was reversed sometime at the end of XXXX but not applied back to my account. In the meantime, While TFS is telling me Im XXXX days past due, the representative told me they did receive the entire payoff amount of {$31000.00} from XXXX XXXX on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, XXXX I get a notification from XXXX ( I monitor my credit ) that as of today, Toyota Motor credit reported my account 30 days past due. This false report, hit my credit and my husbands credit hard, knocking out score down XXXX points. I called TFS the customer service rep and supervisor told me they cant see that my account was reported past due. They can see my account was corrected on XX/XX/XXXX where they reversed my My XXXX pymt and now reapplied it and they could see the loan was paid in full, on XX/XX/XXXX. Ive disputed this false credit reporting with Toyota Motor Credit, XXXX and filed complaints. My credit and my husband credit, has been greatly impacted, negatively due to Toyota Motor Credit, reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Checking or savings account

On XX/XX/2023 an unauthorized wire transfer took place. A phone call that looked like the bank was calling took place. I was told there was someone in another state trying to wire transfer money from the checking account. I was asked was I in florida? I said no and stop that transfer..was given a code..like the bank usually does. Was told it was stopped. I check on the account a few hours later..money gone! I immediatly call the bank to report and was told there was no report on anything this all happened within about 14 hrs. so closed the bank account..reported what happened to the fraud dept. of the bank was told I must have given my username..that DIDN'T happen. Finally went into the bank branch for more explaining to them. Now we have filed a police report and I'm following up with this complaint. The amount of this transaction was {$20000.00} on XX/XX/2023 with Wells Fargo
Product: Credit reporting or other personal consumer reports

I LOOK AT MY REPORT AN NOTICED SOME INACCURATE INFORMATION ON MY REPORT. 

XXXX XXXX XXXX : REPORTED XX/XX/XXXX OPEN : XX/XX/XXXX AMOUNT : {$2300.00} XXXX XXXX XXXX : REPORTED XX/XX/XXXX OPEN : XX/XX/XXXX AMOUNT : {$400.00} I NEVER DID ANY BUSINESS WITH NEITHER OF THESE COMPANIES NOR DO I HAVE A CONTRACT OR SIGN A CONTRACT WITH THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX  XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Debt collection

I start to sending certified letters thru the postal services about one year ago and requesting validation of a credit card that i had with XXXX XXXX but such unverifible imcomplete and inaccurate account I been requeting a sign contract if any and never received such validation from LVNV Founding c/o Resurgent Capital I am demanding to the collection agency to Delete such account that i dont owe and i dont recognized
Product: Money transfer, virtual currency, or money service

Coinbase support not responding I have already opened a support ticket on  XXXX / XXXX /2017 Case #  XXXX .
I lost my phone and did n't have the backup code to restore   XXXX   XXXX  
I tried with the wizard to verify the identity but it say document is unreadable, same ID I used to verify the account a few months ago.
The problem is the lack of support, they do not have a support phone line and it is not possible to write direct mail.
The first time I received an automatic mail telling me to wait up to 72h, since then 12 days have passed. I tried to contact them via other channels (   XXXX   and  XXXX  ) but I have never received a response.
I 'm frustrated because I have access to the mail used to sign up for their service and the   associated cell phone number, but I still can not access my funds
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal dispute regarding charge-off accounts on my credit report, and I am demanding their immediate and permanent deletion. While these items may have been verified, I assert that they are inaccurate, incomplete, and were reported without proper permissible purpose. A correction of these items is insufficientthey must be deleted.

1. Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy As outlined under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information reported. The verification of these charge-offs is based on incomplete or inaccurate data, and I demand that these items be deleted immediately.

2. Violation of 15 U.S.C. 1681b Permissible Purpose for Accessing My Credit Report The creditor must prove that they had a permissible purpose under 15 U.S.C. 1681b to access and report these charge-offs on my credit report. If no such proof is provided, the reporting of these items is unlawful, and they must be deleted.

3. Violation of 15 U.S.C. 1681i ( a ) Under 15 U.S.C. 1681i ( a ) ( 5 ), any disputed information that can not be fully verified must be deleted. Despite the so-called verification from one CRA, sufficient documentation has not been provided to prove the accuracy and completeness of these charge-offs. As a result, these items must be removed from my report.

4. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance If these charge-offs are not deleted and you fail to act within the statutory period, I will pursue legal action under 15 U.S.C. 1681n for willful noncompliance. I will seek statutory damages, punitive damages, and attorneys fees for your failure to meet your legal obligations.

5. Violation of 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Even if the noncompliance is found to be negligent rather than willful, you can still be held liable for damages under 15 U.S.C. 1681o. Any failure to conduct a proper investigation or correct the inaccuracies constitutes negligence under the FCRA.

I am not requesting a mere correction ; I am demanding the immediate deletion of these charge-off entries from my credit report. Failure to comply within the statutory 30-day period, as required by 15 U.S.C. 1681i, will result in formal legal action under the FCRA. Please confirm the deletion. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Having issues with replacement of a card so that I can use benefits that have been provided by the unemployment services been through a lot of stuff even court and had it ordered for my account to be unfreeze and they still play there games
Product: Debt collection

My employer ( not me ) received a certified letter stating that I owed a debt including legal fees amounting to {$1200.00} from a judgment dated XX/XX/2018. The person listed on the letter is not me. The SSN referenced is incorrect and I never lived at the addressed referenced on the judgment. The letter was from a law firm claiming to represent " XXXX XXXX ... as assignee of XXXX XXXX/XXXX  '' which is a creditor I have never done business with. My complaint is that this agency/firm never contacted me, but instead, contacted my employer directly. They embarrassed me and put me in a position to have to defend my integrity and be on the defensive. I work in a highly secure and sensitive industry and issues questioning credit or liability are taken very seriously. I could have lost my job had my employer not notified me of this issue. Not to mention, they threatened my employer that if he didn't respond, they would take action against him. I am not the person they are looking for, and anyone with XXXX access and practicing due diligence would have realized that before they threatened me and my employer. I reached out to the firm and asked for a written apology but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cosigner of a private student loan XXXX - XXXX with XXXX XXXX, that has been paid in full then transferred to another bank. 
XXXX XXXX has been late on all 3 accounts, due to the Student  primary borrower who defaulted in the loan. Six months later, XXXX XXXX notified me thereafter, which caused loans to be in serious default, with interest, principals, late fees ..... 

Student to date has not made contact with me nor has he made any payment on the loan as the primary borrower. I was able to set-up a payment plan as a retiree to bring the loans out of default once all three loans were out of default, XXXX XXXX transferred the 3 loans to XXXX XXXX XXXX  XXXX 

I filed a dispute with Credit Bureau Agencies against XXXX XXXX to remove derogatory marks, It has been 7-8 years, as loans was paid in full. XXXX  XXXX denial request to rs. remove marks from my credit report. I value my credit and understand the value of having good credit that I use very wisely. Co-signing was a terrible mistake, which I learned a valuable lesson. I am only asking for the late remarks to be removed. Primary Borrower 8 years later has not contacted me nor made any effort to make payments. I continue to payments to date on all three loans that has increased to {$47000.00} from {$40000.00} when XXXX XXXX transferred it. 

Thank you for your help XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX  show no data on 2 yr pymt history XXXX  shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding TransUnions Failure to Resolve Inaccurate Credit Report Information ( CFPB Complaint ID : XXXX ) XXXX XXXX  XXXX TransUnion Account # : XXXX I am writing to formally escalate my complaint against TransUnion for their failure to resolve inaccurate information on my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ). My initial complaint was submitted to the CFPB on XX/XX/year> ( CFPB Complaint ID : XXXX ), and despite the legal requirement for TransUnion to investigate and resolve the dispute within 30 days, the inaccurate information remains on my credit report. 

Background of the Issue : On XX/XX/year>, I submitted a dispute to TransUnion regarding inaccurate information on my credit report. Specifically, I disputed a late payment entry that does not reflect my payment history. Under Section 1681 ( c ) of the FCRA, credit bureaus are required to maintain accurate and complete information. Additionally, Section 1681 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Despite these legal obligations, TransUnion has failed to correct the inaccuracies on my report. Furthermore, there are discrepancies between the information reported by the three major credit bureaus ( TransUnion, XXXX, and XXXX ), which further demonstrates the lack of accuracy in my credit reports. 

Violation of FCRA Timeline : TransUnion has exceeded the 30-day timeframe mandated by the FCRA to investigate and resolve my dispute. This delay is unacceptable and has caused significant harm to my creditworthiness and financial opportunities.

Request for Immediate Action : I am requesting that the CFPB take the following actions : Investigate TransUnions failure to comply with the FCRAs accuracy and dispute resolution requirements.

Ensure that TransUnion corrects the inaccuracies on my credit report and removes any information that can not be verified as accurate.

Require TransUnion to provide a detailed explanation of the steps taken to resolve this issue and ensure compliance with the FCRA.

Enclosed Documentation : To assist with your investigation, I am including updated information from all three credit bureaus ( TransUnion, XXXX, and XXXX ) that highlights the discrepancies and inaccuracies in my credit reports. 

Legal Notice : If this matter is not resolved immediately, I reserve the right to pursue further legal remedies, including filing a lawsuit against TransUnion for their violation of the FCRA and the harm caused to my creditworthiness. 

I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that TransUnion is held accountable for its failure to comply with federal law.