23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are.. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies.

You are required to take this derogatory account off my credit because it is enabling to get a house or a new car.. 

The following inquiries are.. 

XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card XXXX  XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of fraudulent accounts on my credit report, as provided by your bureau. After a recent review of my credit report, I discovered unauthorized accounts that I believe to be the result of identity theft. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
The accounts under suspicion are outlined below : XXXX XXXX XXXX. 

Please provide written confirmation of the completion of your investigation and the removal of the fraudulent accounts from my credit report. Additionally, I request that you provide an updated credit report reflecting the corrections made.
Product: Credit reporting or other personal consumer reports

Regarding : Inaccurate and Fraudulent Inquiries on TransUnion Credit Report Date : XX/XX/XXXX Name : XXXX XXXX I. Introduction I am writing to file a complaint against TransUnion regarding inaccurate and fraudulent inquiries appearing on my credit report. These inquiries significantly impact my ability to obtain credit and harm my financial well-being. 
XXXX. Details of the Complaint Since XX/XX/XXXX, my TransUnion credit report has reflected six hard inquiries that I did not initiate nor authorize. These inquiries include : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) III. Actions Taken A. Dispute with TransUnion : Upon discovering these fraudulent inquiries in XX/XX/XXXX, I immediately contacted TransUnion to report the issue. 
I have disputed these inquiries via phone and mail and provided detailed explanations contesting their legitimacy. Following TransUnion 's instructions, I submitted copies of two FTC complaints ( XX/XX/XXXX and XX/XX/XXXX ) detailing the fraudulent activity. 
B. Additional Efforts : I filed a complaint with the XXXX XXXX XXXX  regarding TransUnion 's failure to properly address this issue. 
Due to the severity of the situation, I am currently seeking legal counsel. 
IV. TransUnion 's Negligence : Despite my efforts and the clear evidence of fraudulent activity, TransUnion continues to report these inquiries on my credit report. This inaction violates my Fair Credit Reporting Act ( FCRA ) rights to have accurate and fair credit reporting. Furthermore, TransUnion 's failure to conduct a proper and thorough investigation into my multiple disputes raises serious concerns about their adherence to FCRA procedures. 
XXXX. Impact and Request These inaccurate inquiries are causing significant harm to my ability to access credit for personal and business purposes. This situation necessitates immediate corrective action by TransUnion.

Therefore, I request the following : Immediate removal of the six aforementioned fraudulent inquiries from my TransUnion credit report.

Compensation for the damages caused by these inaccuracies, including any negative impact on credit scores and potential lending opportunities. 
I have attached a copy of TransUnion 's response to my dispute for your reference. 
I look forward to the CFPB 's intervention in resolving this matter and ensuring TransUnion fulfills its obligations under the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo has failed to supply the requested information I have asked for in regards to an FHA backed loan that is in my name. In XXXX, I notified XXXX ( the case manager at that time ) via the phone, that I wanted a copy of all paperwork regarding the short sale pending on property XXXX XXXX XXXX XXXX, Ohio XXXX. I also informed XXXX that the federal document, XXXX, regarding the short sale clearly states in line one of paragraph 2 that the realtor listing the property is to be unrelated to you ; the listing agent XXXX XXXX is XXXX XXXX 's biological aunt. Lastly, I informed Wells Fargo by message of this information on XX/XX/2018. I also informed Wells Fargo that a third party is living in the home and may presumably be paying XXXX rent while the mortgages payments are still not being made. It clearly feels that Wells Fargo is ignoring the facts that have been provided and thereby ignoring the federal requirements of this transaction. Further, they have been advised that monetary gain may be being received by XXXX for a federally backed loan that is not being paid. 
Wells Fargo responded to my written inquiry, via their internal message center, on XX/XX/XXXX stating XXXX XXXX was assigned as my point of contact until the issue was fully resolved ; I have never heard from him. Next Wells Fargo sent a letter to me from XXXX XXXX, dated XX/XX/XXXX, stating that my inquiry was important to them and they would respond by XX/XX/XXXX. In another letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo stated that my concern was important to them and they would respond by XX/XX/XXXX. In a letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo again stated my concerns were important to them and they would respond by XX/XX/XXXX. It is now XX/XX/XXXX, almost two months after I initiated my complaint and they refuse to provide copies of all documents related to this short sale or address my concern about their disregard of federal form rules. These are not federally protected documents, and would be accessible under the Freedom of Information Act even if  so.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX. I have been a customer for 20 years. On XXXX XXXX, 2017 I opened a credit card account at my branch in XXXX XXXX California and requested a balance payoff for another credit card at another bank. The requested amount was {$7000.00}. This was to take advantage of their 12 month 0 % offer which I received in the mail. I was approved on the spot and the payoff amount was submitted by the banker. On XXXX XXXX, 2017 I received a call from XXXX XXXX 's fraud department saying that they had received the original request which was pending but shortly thereafter received another request for {$5400.00}. to be applied to the same payoff recipient. I told them that was wrong and not to pay that amount but the {$7000.00} was approved. Concerned I closed the account and went to my branch on XX/XX/XXXX and spoke to the banker who made a call to inquire without result. Counter to my request the bank went ahead and paid {$5400.00} towards the other bank account but not the {$7000.00} per my conversation. They are now saying they ca n't get the money back from the other bank and are charging me {$160.00}. transfer fee even though they paid an amount I never authorized and gave them notice not to send. Paying that amount does me no good at all. I do n't want to pay the fee and would like to know why they sent the lesser amount when I told them it was unauthorized. I have tried several times to get results and have spoken with my banker and several supervisors but they have not responded or reversed the fee. Please help me. Thank you.
Product: Money transfer, virtual currency, or money service

Coinbase is a digital currency exchange. They promised all customers that held any amount of bitcoin on their exchange on XX/XX/XXXX that they would be credited with the same amount of bitcoin cash by XX/XX/XXXX. Customers had a choice of storing their bitcoin in a " digital wallet '' or in Coinbase 's secure " multi-sig vault. '' Coinbase pushed customers to store their funds in the " multi-sig vault, '' as the vault was advertised as extremely safe. 

I had 1.9+ bitcoin 's stored in Coinbase 's multi-sig vault on XX/XX/XXXX. On XX/XX/XXXX, Coinbase added bitcoin cash to their exchange and credited all customers who stored their bitcoin in a digital wallet on coinbase 's exchange on XX/XX/XXXX. However, they did not credit any customer who stored their bitcoin in coinbase 's multi-sig vault. On XX/XX/XXXX, coinbase emailed me stating that they have credited everyone, accept people who stored their bitcoin cash in the multi-sig vault. They stated that they are having technical issues and their engineer team is working on the issues. They provided no timetable as to when I will receive my bitcoin cash. 

I have emailed Coinbase 4 times ( without receiving a response ) and I 've spoken to customer service reps/managers at least 5 times since XX/XX/XXXX. Nobody can provide me an answer as to when I will have my money and they just state that the issue is being worked on. 

On XX/XX/XXXX and XX/XX/XXXX, bitcoin cash was worth between {$3500.00} and {$5000.00} a coin. Today, bitcoin cash is worth {$2600.00} a coin. Coinbase created an unfair market and allowed customers to sell their bitcoin cash on XX/XX/XXXX and XX/XX/XXXX for {$3500.00} to {$5000.00}, whereas, I was not provided this opportunity. Coinbase has essentially stolen my bitcoin cash and my ability to make money trading other digital currencies. I was planning on selling my coins as soon as I had access to them. If I would have been credited with my bitcoin cash on XX/XX/XXXX, just like the majority of customers, I would have sold at {$5000.00} a coin, for a total of {$9500.00}. If I was credited with my bitcoin cash today, and sold, I would receive {$4900.00}. Coinbase has cost me at least {$4600.00}, due to their unethical business practices. 

Coinbase has not provided any additional information in 23 days, and they will not release my money to me. Before coinbase added Bitcoin cash and credited customers storing their bitcoin cash in a digital wallet on coinbase, they knew they would not be able to credit customers who stored their bitcoin cash in the multi-sig vault. Yet, Coinbase made the unethical decision to add the digital currency to the exchange and to credit some customers. This is an unfair business practice and very shady.
Product: Credit reporting

Submitted an online dispute with Equifax on XX/XX/2017 because of inaccuracies I discovered on my credit report ( Report # XXXX ). Following submitting the online dispute I received the confirmation number : XXXX and an estimated completion date of XX/XX/2017 ... ..It is now XX/XX/2017 and the investigation status still says " Pending '' and is well beyond the XXXX day time frame the FCRA allows them to complete their investigation. By continuing to report unverifiable information, Equifax is blatantly violating the FCRA.
Product: Student loan

In XX/XX/XXXX, I consolidated my XXXX XXXX XXXX and XXXX XXXX XXXX student loans into FFEL Consolidated loans. In XX/XX/XXXX, the College Cost Reduction and Access Act of XXXX was passed. I contacted my loan servicer in XX/XX/XXXX/XX/XX/XXXX concerning this program and what needed to be done. I was told I was eligible because my original loans were XXXX XXXX. I waited based upon this information. I checked on line in XX/XX/XXXX and everything seemed fine. I applied to XXXX for Public Service Loan Forgiveness as I had made 120 payments since XX/XX/XXXX and had worked in public service for 10 years. I was denied because my loan didnt qualify, the first time I was told this. They told me I had to consolidate into a Direct Consolidation and wait another 10 years. My current loan would be paid off in XXXX.
Product: Checking or savings account

My accounts were closed without notification. I called to resolve issue and was told that they were not at liberty to disclose to me the reasoning for closing my accounts. 
I appealed the restriction and was denied and again appealed without knowing the reason for the restriction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint regarding a Capital One account that I have repeatedly been told by Corporate Office that all the charges on my account would be investigated. I have NEVER heard back from the Corporate Office via phone like I was promised and I was never given proof of the investigation results and how they came to verify that the charges belonged to me. The Federal Trade Commission clearly states that the creditor must provide " an explanation or written proof of purchase, along with a claimed error or request for clarification. '' I was provided with none of the above. It also states that " The Investigation '' You may withhold payment on the disputed amount ( and related charges ) during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount. 

The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. 

The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. However, the creditor may report that you are challenging your bill. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the FCBA.  For example, a creditor cant deny you credit just because you've disputed a bill. 

If it turns out that your bill has a mistake, the creditor must explain to you in writing the corrections that will be made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees, or other charges related to the error. 

If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money.

If the creditor 's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. At this point, you'll owe the disputed amount, plus any finance charges that accumulated while the amount was in dispute. You also may have to pay the minimum amount you missed paying because of the dispute. 

None of the actions above regarding the disputed charges were done by Capital One and it's Corporate Office. I was NEVER provided any proof that these charges were mine or that the charges were in fact being investigated
Product: Mortgage

In XXXX my mortgage was bought by Mr Cooper/ Nationstar. Well I had an issue with my payment going up. No one could tell me why it did. I asked to refinance in which they said I couldnt until I went into foreclosure. That was in XXXX and XXXX of XXXX. Well about a year later the mortgage modification they forced me into was settled. Now in XXXX of XXXX they are saying that I missed a payment. My bank records show that the payment came out of my account to them. I noticed this in XXXX of XXXX. I have submitted screen shots of my bank payment and even sent them pictures of my bank statements from XXXX. I am getting tired of waiting for them to fix this, any help in this matter would be appreciated. I feel like someone stole my payment and put it in their bank account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/2024 AARGON AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Minnesota has a statute,13.016, which provides that a security freeze may be lifted by a person if the person provides any form of information which identifies the person. Notwithstanding this law, Experian will not lift a security freeze unless the person provides information about where that person has lived for the past two years. It enforced this policy in XX/XX/2019 when I sought to lift the security freeze on my credit report temporarily. I have sent Experian the statutory cite and a copy of the statute. It refuses to accept the fact that Minnesota law is different. Where I have lived for the past two years is nobody 's business. I should be able to use my social security number to prove my identity.
Product: Debt collection

Screen Shot XXXX at XXXX ... png ( 85 KB ) XXXX XXXX  30 Day deposit ... docx ( 15 KB ) Speedy Cash Loan.pdf ( 582 KB ) Good Morning, It is unfortunate that I must resort to such a complaint. However Speedy cash has given me no choice but to officially report my issues with them due to repeated unheard complaints to them. 

XX/XX/2021 weeks ago I attempted to get a " speedy cash '' load to tide me over until payday. a few days later I got a notice that they had released funds to my bank and would the availability would be determined by the bank. So I called and was told that there was a issue on their side. I told them I didn't need it now and we can just cancel the loan. I was told to send a statement to customer service and let them know not to pull funds from my account, which I did XX/XX/2021. XX/XX/XXXX they again asked for t he documentation showing no loan was processed by my bank, so I sent my entire statement. This morning XX/XX/2021 I noticed they have placed a hold on my account for loan ( that I did not receive ) repayment. I contacted Speedy loan and they were unable to fix the problem. 

As you can see below the only transaction that has taken place in my bank account has been a withholding by speedy cash, therefore I want to file an official complaint against that company. They never provided the load they promised, only the recovery. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

I made a purchase to XXXX and the charge showed up as XXXX. This was on XX/XX/2023. THE CHARGER WAS POSTED ON XX/XX/2023. I wrote an email on XX/XX/2023 informing them they fraudulently overcharged me. They agreed and change the {$48.00} to {$38.00}. After receiving the product I made the decision to get a refund and wrote another email stating so and their guarantee of 30 days was within 15 days when I contacted them. They responded asking for photos. I explained I could send them for I was on vacation less than two week later I sent pictures. Since then they have not responded to my email with any instructions. I filed a dispute with Capital One case # XXXX. I have sent 20 pages of information they requested and now they want proof of return. I explained that the seller isnt responding to me to give me any info. They said its not their fault and rejected my claim. This is so unfair.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require that incorrect accounts be removed from my credit report. Can you verify the documents? Some accounts listed are inaccurately reported with wrong amounts and dates.
Product: Credit card

I was misled on this card. I was originally told by the rep at the XXXX XXXX location of Gap, XXXX XXXX XXXX Ph # XXXX that there would be no charge on this account and that I was simply just signing up to get a discount. After I realized this was n't the case I called Gap and they submitted an official complaint and I was told that I would hear something from them. I never heard from them. " XXXX '' gave me confirmation # XXXX. When I tried to call back, they had no clue what I was talking about. I talked to " XXXX '' she was not aware what I was referring to. After I spoke to the supervisor they explained that there was a dispute but they could n't answer anything for me. I asked if they could transfer me directly to XXXX but they said they did n't know then and the confirm # was not going to help. They transferred me to another Customer Service rep who was transferring me to a supervisor. I waited for around 20 minutes and then was handed to supervisor " XXXX '' ( XXXX ) who said the dispute was not in my favor. I asked why the dispute was not in my favor and he said he did n't no. 

Also, I did receive the card, but I never got anything in the mail from them after that. No bills, no late notices, nothing.