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

According to laws 15 U.S. Code 1681 ( 2xi ), 15 U.S Code 1666 ( b ) and 12 CFR 1026.13, My credit report is improperly being reported with inaccuracies, billing errors and late payments that go against my rights as a consumer. The accounts that reflect these errors are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies to validate the accuracy of this late payments and improper reporting of information. If unable to furnish proof, I demand these payments to be updated and/or removed from my report.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, I deposited {$100.00} into fiat account to make trades. I immediately withdrew the funds XXXX XX/XX/2021 at XXXX because the way it works is you deposit funds into XXXX account and use that to make trades but on XXXX XXXX, after depositing funds into XXXX and making two trades, they *again* withdrew funds from bank account - which is NOT usual, normal procedure - and this is what made me immediately withdraw the {$100.00} I deposited within a 10 minute time frame.

Contacting Coinbase, they sent 5 emails saying it would take 10 days and the funds would be credited back to account. I NEVER received the " confirmation '' email and it has now been 16 days with no receipt of the funds. I have sent over *10* support emails since XXXX XXXX, but no one responded back until XXXX XXXX, where they asked that I submit a bank statement showing date of transfer through to current. I uploaded this file on XXXX XXXX and sent ANOTHER support ticket and I still have not heard back. I am a reasonable person and understand that these things take time, but the normal procedure for withdrawal from Coinbase fiat account back to personal bank account is the standard 3-7 business days.

There are thousands of people on the internet saying that this has happened to them as well as having their accounts locked with no access to their funds or cyptocurriences and that they can get no response from Coinbase. 

I was told in the email XXXX XXXX that they would send my statement to " Payment Specialists '' who would find the money, but from the comments on the internet, it seems that this never happens as there are many comments on the internet speaking of the " payment specialists and getting no answers or monies returned. 

I joined their platform in good faith, followed their rules. but they are now not responding. All I want is for them to return my {$100.00} to my account as they have been claiming they would. They have given time frames of 3-5, 5-7 and 10 days, and have even closed out a few of my support tickets saying " case resolved.

I have all correspondences, screenshots of my account showing withdrawal and bank statement showing it was never redeposited. I filed a complaint with SEC who then told me that I should contact FTC. I have now filed a complaint with the FTC and am filing this complaint here with CFPB.

I feel that there is something hinky going on at Coinbase and they are not being straight with their consumers. They *NEVER* answer support tickets and are giving multiple stories as to what is happening. 
At best, they are very shortsighted by not having proper, correct customer services. At worst, they are thieves. And while the {$100.00} won't make or break me - it's the principal of thing. 

Thank you for your time. 

Sincerely. 

XXXX
Product: Checking or savings account

Citibank is demanding unnecessary and private information from me on fraudulent and misleading terms. Essentially they are committing marketing fraud through extortion.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$940.00}
Product: Credit card

I am contacting your agency in hopes you can help me dispute my {$10000.00} charge on my Capital One for this fraudulent company called XXXX. I was contacted by XXXX in XXXX about creating an XXXX website. He assured me that XXXX was the right company to build this site for me. I paid him {$5000.00} for this XXXX website and training on XX/XX/XXXX, and then another {$5000.00} on XX/XX/XXXX. Not once did he tell me that it would be my responsibility to add the pictures and find dropshippers. I find the fact that this information was not disclosed as flat out deceitful and possibly illegal. Four months later {$10000.00} in the hole I have nothing more than an incomplete website that while it may be nice to look at it, it is not the functional XXXX site as I was sold. They are not legitimate and they are incapable of fulfilling their promises. They have illegally obtained my business and I believe I am entitled to a refund since they did not provide the services as described. I tried to resolve this matter directly with them and they ignored all my requests. I sent them a certified letter, I tried to call them and they do not return any of my calls. What kind of company sells you a service and disappear after, leaving you without any answer or support?
Product: Credit card or prepaid card

They had closed my account but after I had put my on my card. But then after that they refuse to to refund the money I had put on my card which is a secure credit card.. but they still haven't done anything yet about refunding my money that left on my card.. they had closed my account on my credit card after I had put money on my card.. please help me with getting my money back..thanks. XXXX XXXX...
Product: Credit reporting

In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX XXXX XXXX. After numerous late payments by her, the vehicle was sold and XXXX paid her the proceeds in excess of her loan balance. Again, I made NONE of the late payments nor was their any " repossession '' from me nor did I participate in any profits from the sale. Despite my repeated requests, EQUIFAX refuses to delete this account or the late payments/repossession status from my file.
Product: Checking or savings account

I am a banking member of TD Bank with a Checking and Savings account. There were unauthorized charges to my checking account via the debit card and as a direct result of my card being lost and then used without my permission or knowledge. I submitted several disputes as it pertains to TD Banks ZERO Fraud liability for customers and after submitting several disputes and having them denied for reason that were not related to me and reasons that are completely out of my control. The reasons TD Bank cited was 1. The fraudsters didnt try or attempt to access or login into my online bank account. 
2. The fraudsters didnt attempt or try to swipe the debit after all of the funds were withdrawn via unauthorized means.

3. There was NO attempt made via debit card in other countries.

4. I accessed my online banking mobile app after I submitted a dispute. 

I have not only had all of my funds used unauthorized and now after several disputes to the same charges, TD Bank has completely refused to temporarily credit my account while the investigation is underway and completely giving me the runaround as it relates to the dispute. I have filed a police report for this manner and still no to avail, TD Bank is citing and denying my dispute because I or nobody can depict and/or guess the path of a scam artist and fraudsters. Which are reasons that are completely out of my control. I feel that I have been racially profiled and discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX Account Number : XXXX ] Reason : [ need late payments removed asap, ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XXXX of XXXX I contact Navy of fraudulent charges made on my credit card that I didnt notice until I was reviewing my statements for each month for tax purposes and was able to scrutinize my bill and observed charges made on my account XX/XX/XXXX estimated of XXXX total by a company called XXXX XXXX. I reported it to Navy federal once observation was made.
Product: Student loan

XXXX qualifies for temporary hardship forebearance as stated in XXXX XXXX XXXX ( XXXX ) policies that allows 24 months in three-month increments. XXXX has applied for three 3-months and approved immediately. XXXX applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. XXXX applied electronically this time as suggested by XXXX ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. XXXX called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. XXXX called again this a.m. to inquire about the approval and was told that Deutsche Bank ( provider ) noted it was still in review. Deutsche Bank is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the merchant multiple times in attempt to have this fraudulent account removed. I have disputed the account with all credit reporting agencies as well as provided an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and have identified unauthorized and fraudulent accounts and inquiries on my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of all related accounts and inquiries listed below from my credit report. 
Unauthorized Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Discover is harassing me due to an account and related charges that they allowed a fraudulent user to obtain access to my credit card. I have called or emailed in weekly with additional information, with requests for updates, with a request for a contact person to reach out to me directly. However all they do is hang on most of the phone calls, delete information I have sent in, or remove my requests for review, and then mail out letters demanding payment for charges that ( 1 ) I have already paid for and ( 2 ) that I have consistently proved are fraudulent ( 3 ) and that I have been double billed for. The customer service departments and executive office refuse to call me back and talk in person to resolve this, but continue to add bonus charges and fees for their mistake in billing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX requested that I call attorney XXXX Dunlap in regards to my debt. XXXX Dunlap is not the original debtor trying to collect this debt from me. This company fraudulently received my information from XXXX XXXX without my consent. This debt was also charged off and they received payment for this debt I requested a 10-99 and a letter from the original debtor but that information has not been provided. Please complete a formal investigation in regards to this matter. I have submitted to the other credit bureau and XXXX XXXX has been removed and I expect cfpb to do the same.
Product: Credit card or prepaid card

I PAY MY CREDIT CARD IN FULL EVERY MONTH. I MADE A PAYMENT OF {$460.00} ON XXXX. THE BALENCE WAS {$450.00}. THE CONF # IS XXXX. THEY ONLY DRAFTED {$160.00}. NOW, THEY ARE CHARGING ME {$20.00} IN INTEREST. THEY WILL NOT REFUND THE {$20.00}. I PAID THE FULL BALENCE. IT IS NOT MY FAULT THEY ONLY DRATED {$160.00}. 
IN THE PAST, I MISSED THE BALENCE BY XXXX OR XXXX CENTS AND THEY CHARGED ME AROUND {$68.00} IN INTEREST.