23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX name : # XXXX has violated my rights. 
Account name : # XXXX  name : # XXXX has violate my rights. 
Account name : # 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to rectify the issue. Specifically, the account listed under XXXX XXXX in the amount of {$22000.00} was previously removed from my report but has been improperly reinserted by Equifax. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) as the account remains inaccurate and unverifiable.

Furthermore, I would like to bring to your attention the recent lawsuit filed by the New York Attorney General against Equifax, which highlights their failure to ensure the accuracy of consumer credit reports and proper reinsertion procedures. The lawsuit alleges that Equifax has engaged in unfair and deceptive practices by failing to adequately address disputes, allowing inaccurate and unverifiable information to remain on consumer reports, and reinserting previously deleted accounts without proper notification or validation.

In light of this legal action and the continued presence of inaccurate information on my credit report provided by XXXX, I am requesting that the following actions be taken immediately : The removal of the inaccurate XXXX XXXX account in the amount of {$22000.00} from my credit report.

A thorough investigation into the accuracy and validity of any information reinserted by Equifax and shared with XXXX. 

Written confirmation that the inaccurate information has been deleted and will not be reinserted in the future without proper verification and notification, as required by the FCRA.

Please consider this letter a formal dispute under my rights provided by the FCRA. I expect a response within the legally mandated timeframe of 15 days. Failure to comply with this request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies.

on.
Product: Money transfer, virtual currency, or money service

I have a cryptocurrency wallet with Coinbase ( Coinbase Wallet ). On XX/XX/2021, I've been scammed out of ~ {$11000.00} USD. Coinbase has a security weakness that the company is aware of, but has not done anything even to this day of writing. Through my attempts to recover my funds, I've found/connected with hundreds of victims who got scammed through Coinbase Wallet , with exact same methods. These hundreds of victims represent only a small number of victims that are willing to do something about it. I know with certainty that for every one of us that is doing something, there are tens of victims who are choosing to stay quiet due to shame and self-blame. Doing a quick math, there are thousands of victims who've been affected in the same matter. Even if you do a quick search online, there are many credible reports of staggering amounts of scammed money is in Billions ( USD ), which Coinbase, in a way, is choosing to help, by not doing anything about this known flaw. Coinbase has failed to protect my funds, which were stolen. Coinbase wallet product has security flaws that has allowed this to happen, and again, they are aware of the flaw, yet they blame the users/clients, shifting all the responsibility to the victims, when they fall to this known scam, using the DAPP ( decentralised application ) on Coinbase Wallet 's program. I understand that user/victims have some responsibility, but if the company is aware of such great/dangerous risks, they shouldn't have such ability accessible to laymen, which I'm sure 99 % of Coinbase 's users are composed of. As I've described in a extreme example, you can't hand a gun to a child, then blame the child for shooting himself. Less extreme example, you can't give access to a car to a child, then solely blame the child for letting him get into a HUGE accident. If you'd like any further details, you can feel free to reach out to me. Thank you.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by scammers which involved me making deposits for a total amount of XXXX XXXX  from my Cashapp account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I have received a notification that my dispute with XXXX will not be resolved possibly until 60 days! Please show me where that is timely, because it is not! In previous reports filed you can clearly see that XXXXXXXX XXXX is stating they are trying to collect a debt from me but is reporting it as charged off on my consumer report. Excuse me but it can not be both. You are either trying to collect a debt or charge off a debt. One of two things are happening, either lies are being told directly to my face or lies are being reported on my consumer report?? I am asking for fair credit reporting and not information that is misleading in plain view. This is all a violation of my rights per FCRA, 611 ( 15 U.S.C. 1681i ). Section 623 ( b ) of the FCRA says you must notify the provider of my dispute, and if any items are inaccurate, misleading, outdated, incomplete, can not be verified or validated is unfair reporting. I kindly ask that you remove this item from my consumer report!
Product: Credit reporting

I have disputed items with Equifax numerous times over the past 2 years because I was a victim of identity theft back in XXXX. Several times Equifax claims that they are able to verify the information, but I know that to not be true because the debt is not actually mine. The latest case is related to the above Equifax case number where they claim to have verified a debt that was actually removed on an occasion prior. It was placed again by an agency that purchased the debt. I provided documentation to Equifax in the form of a signed letter from the original creditor certifying that the debt is not mine but they claim that it is genuine. 
I have also disputed several credit inquiries that are related to credit applications that I did n't not complete. Equifax claims these inquiries are factual record and will never be removed. This information is damaging to my credit report and is not accurate, therefore under the Fair Credit Reporting act they are required to removed everything that is not accurate. 
I have wasted hundreds of hours fighting with Equifax , and it is the most difficult of the XXXX bureaus to deal with. Everything in the last dispute I filed should have been removed because it is not actually related to me, and it is not possible that Equifax verified the information if they acted within the guidelines of the FCRA.
Product: Credit reporting 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 XXXX 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 XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX**** Balance : {$60.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

In XXXX XXXX I ordered a mattress from XXXX using Tempoe why not lease it. I have used this company a few times before and they always offered me an option to pay off the purchase within 90 days of delivery for 10 % fee. My bed was to be delivered in XXXX but Gotback ordered. Due to this I cancelled and went to XXXX who also would let me use my Tempoe/why not lease it credit. I got my bed and then called the Tempoe To let them know I was going to choose the 90 day payoff option. They then advise me that because mattress firm process the order in New Jersey that state does not offer a 90 day option. I explain to them that every other lease I had done always offered that 90 day option and that it makes no sense why I would not be offered that seem option when Im still being delivered in Pennsylvania I never even went to New Jersey I just placed a phone call now Im dealing with having to pay three times as much for this mattress or return the bed and lose XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and XXXX XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Product: Mortgage

I submitted a payment online for my Wells Fargo mortgage. When I submitted it, I accidentally selected the wrong account ( per Wells Fargo ). Therefore, it tried to take the payment out of a bank account that had insufficient funds. Instead of contacting me about the issue, they proceeded to attempt to take the payment out three times causing over {$90.00} in fees. After speaking to Wells Fargo, they told me there was nothing they could do about it. I told them I thought it was poor customer service to not contact the customer to tell them their payment did n't go through nor did their website allow me to view the payment once it was submitted. Had I been able to view it, I would have known it was coming out of the wrong account and would have deposited money into the account to avoid future fees. Their response was that they do n't have the time to call all of the customers that have Insufficient funds.
Product: Debt collection

Repeatedly calls, I don't know what debt is or call is about. I have asked for information, address and they have refused. Lady hangs up on me Repeatedly
Product: Debt collection

I disputed a collection account on my credit report from a previous apartment I leased. IQ DATA INTERNATIONAL purchased the debt. I contacted IQ DATA INTERNATIONAL through certified mail requesting the account be deleted with pictures of the property. I also requested if the account was not deleted i wanted verification receipts from the repairs made. Several days after the letter was sent i contacted IQ DATA INTERNATIONAL by phone. They said they did not have to provide receipts. They have failed to supply my requests or delete the account. 

I have attached the certified letter sent XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION reported an unvalidated item on my consumer report. Under the FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts rules that reporting a collection account indeed is considered collection activity. Pursuant to 15 USC 1681b ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom in relates. I did not and do not give you permission to furnish this on my report and demand that It be removed. 
TRANSUNION reported a medical item which is in violation of my HIPPA rights. They were not produced with a HIPPA release that releases my medical information to them, nor allowed it to be shared. I am taking this matter extremely seriously, I want this item to be removed immediately. 
I also filled a complaint with Identitytheft.gov reference number:XXXX
Product: Mortgage

I have not received my escrow refund check. Send it immediately. 

I have attached written evidence stating Lakeview Loan Servicing owns the master servicing rights to my loan and is ultimately responsible for my loan. I expect them to resolve this issue immediately. 

This is a follow-up from cfpb complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my nights. 
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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Checking or savings account

I called Bank of America on XX/XX/XXXX once a credit report pulled from XXXX XXXX XXXX XXXX showed that a bank account was opened up in my name while I was XXXX XXXX XXXX XXXX. The account was opened up in XXXX. I was in XXXX from XXXX to XXXX
Product: Prepaid card

I received a mailing from Cash App with a prepaid cash app card with my first and last name an expiration date of XX/XX/XXXX, I called XXXX listed on the card today XX/XX/XXXX at XXXX to let cash app know that it was a fraudulent account and that I had not opened it and that I wanted the account closed. The cash app representative XXXX said that in order to close the account I needed to click on a link that she could be sending through an email and I would need to send her ( Cash App company ) a photo of the front and back of the card received in order to be able to close it. I told her I did not feel conformable following those instructions and sending her those pictures of the card received. I let her know that I wanted the account closed immediately. 

She stated in case you did not hear the first time I will repeat it again, you will need to click on the email that I will be sending you by email and then you need to send me a copy of the front and back of the card in order for the account to be closed. I told her I will not be responding to an email with a copy of the fraudulent card that I received in the mail and I want this account to be closed immediately. The call became silent and I said Hello, Hello, and the Cash App representative hung up the call. 

I then received an automatic/voice generated call from cash app at XXXX from XXXX - XXXX that if I needed help activating my card to call back. 

I am very concerned that someone opened up a card with my name and that Cash App company representative does not want to close it. 


Regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I've opened a USAA account and then opened a trading account with USAA. Today XX/XX/XXXX I tried to log on to start trading and I get the error message XXXX my account is restricted. I called USAA and I was told that USAA is " excersing its rights not to do business with me '' FOR WHAT? I DID NOTHING WRONG ITS NO FRAUD NOTHING BAD IN MY NAME OR IN MY RECORDS OR WITH XXXX! My social is brand new after being a victim of id theft and I decided to give usaa a try and I get treated wrong.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX These credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Student loan

I submitted a refund request on XX/XX/2022 to my loan servicer, Edfinancial, for my student loan payments made during the payment pause. The refund amount I have requested is XXXX dollars. I have called Edfinancial on XX/XX/2022 to see if my request had been processed by the company and it hadn't. I then called on XX/XX/2022 ( six weeks after submitting my original refund request ) to check again if my request had been processed and sent to the department of education by Edfinancial and it has still not been processed. When I call to inquire about the status of my refund request, the representatives are very reluctant to give me any details or timelines on when I should expect to have my refund request processed and sent to the department of education.
Product: Credit card or prepaid card

Tried to activate card but received a message saying it was temporarily locked.
Product: Mortgage

Around XX/XX/2020, I spoke to XXXX XXXX from Amerisave Mortgage Corporation about wanting to refinance my current mortgage to a lower interest, down to a fix rate 15 year mortgage, I told m Mr. XXXX that I am not playing games and do not like games and or misleading information, and above all I like to be honest and upfront. 
I told him that I had issues with another company who I was trying to refinance with, as they change the original agreement terms and had to many different people calling me and they were not communicating amongst themselves. 
I told him I did not want to deal with the same stuff and if that was going to be their deal, to let me know right away and we can stop the conversation. 

Mr. XXXX stated that Amerisave is a honest and upfront company and will not change the terms agreed upon and if for whatever reason anything was to change they would let me know so that I can make my decision to continue or stop. 

At first they were friendly quick to answer questions and or email, they asked me to a down payment of {$520.00} refundable. 
After I made the payment communication became more and more difficult, to the point that neither Mr. XXXX, Mrs. XXXX XXXX or their supervisor answer any calls, respond to voice messages or emails. 

They continue asking for more and more documents, which are being requested by at least four other people, and even after I submit the requested information they continue asking for the same items over and over again. 

As of today, they have not reach out to me to either tell me to XXXX XXXX XXXX XXXX XXXX, to cancel or denied the refinance proscess, and continue not to answer any phone calls, voice messages or emails, I have reach to all of the people already mention to stop the refinancing and to ask for a refund, but no ones is talking any more. 

If this company is working with the Veterans Home loans and other government financial entities, this company should be investigated for potential fraud or at least enforce them to refund the deposit to any other veterans who may be dealing with this and to my self. 

If you please keep me inform or if you can guide me in the right direction so I can get my deposit back and warn others about this company. 

Thank you XXXX XXXX XXXX
Product: Checking or savings account

I have for the third time already had problems with this bank and services that it is suppose to provide for me. I have account balance notifications set up for my email and text message that never work while the bank continues to charge overdraft fees to my account while it continues to go further into the negatives. My account dropped below my notification limit on  XXXX / XXXX / 17  and have yet to receive any type of notifications to this date of  XXXX / XXXX / 2017 . My account dropped into the negatives on  XXXX / XXXX / 17  but have yet to receive any notifications or have the decline of my card to this date of  XXXX / XXXX / 17  to which i have gotten to  XXXX . There is also an instance in which they charged  XXXX  overdraft fees  on one d ay  XXXX / XXXX / 17  of  XXXX  $ each for a total of  XXXX   . Ag ain no notification both email or text was ever sent all the while allowing me to accrued debt and fees with no knowledge or notfication.
Product: Checking or savings account

Chase bank is currently in process of closing my account and has restricted all access to my funds. Instead of the bank communicating to me about the restrictions on the account, they are refusing to allow me to withdraw my remaining balance in the account. I have not been provided any support as to how I can access my funds during the closing of the account and I have spoken to 8 people who are all telling me different things regarding my account. I am a student and I fund everything by myself, this is my only checking account and chase has left me with no access to my money at all. I have rent and bills due within within the next week along with rent and spring semester tuition and this bank has left me with literally nothing. I have tried everything, I even had a representative hang up on me ( I'm assuming they could not assist me at all ) after transferring to three different departments. I don't care about the account being in closing because I have no intentions on ever doing anything with Chase bank ever in my mortal life and will make sure I denounce them to anyone that is willing to listen. They do not care about their customers what so ever and I would not recommend them to my worst enemy. What makes matters worse is I had no prior warning or red flags on my account, not a single hint as to why they are closing my account. I don't know what else to do and am at a complete loss because of chase bank.