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

I transferred by wire transfer on XX/XX/XXXX, XXXX to Coinbase.com to be able to buy bit coin. The transfer was executed correctly by my Financial institution according to the directions on their website and it was received by the beneficiary bank, XXXX XXXX XXXX. It has not been applied to my online account and when I tried to call coinbase they do not take human calls and require an email to discuss the issue- after several tries to reach them I spoke to a person named " XXXX '' in the fraud department and he sent me email on XX/XX/XXXX saying he was working on the issue. When I emailed back to check status onXX/XX/XXXX I received a automatic reply that the email address I was given no longer accepted direct emails and I still do not have my XXXX back. I called XXXX XXXX and they said the money would be in Coinbase 's account and that Coinbase would have to release it back. They will not respond to me.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, on XX/XX/year> I reached out to Coinbase and they responded through their virtual assistant and an agent to my enquiry on whether I would be able to withdraw immediately if I bought XXXX on Coinbase the same day and both responded that yes I would that their existed no restrictions to immediate withdrawals. 
Today the XX/XX/year> I bought {$4100.00} worth of XXXX XXXX and wanted to withdraw them to make payment on an account that generates income for me daily and I was informed that I would only be given access to my funds on the XX/XX/year> by XXXX, I am currently XXXX 
I reached out immediately to their help desk informing that these development was contrary to the representation I was given before transacting. I trade and use these XXXX to earn a living and as a result of their breach of contract I lost my business income today and based on the date they told me I would have access to the XXXX I bought, I would lose an entire week 's income, my trading account would be delinquent for 7 days and my credit rating would be negatively affected. I pointed out all these damages I would suffer as a result of the breach of contract from their end but they refused to listen to me stating it was their policy to put an account on hold for customer protection which I find to be extremely dishonest. 
Kindly use your good office to help prevent a law abiding, hard working tax paying, US Citizen to suffer monumental damages and losses due to the flagrant breach of contract by Coinbase. 

Thank You
Product: Credit reporting or other personal consumer reports

A hard inquiry was placed on my account by Capital One on XX/XX/year>. This is the second fraudulent hard inquiry from Capitol One in 2024, the last being on XX/XX/year>. I had placed a fraud alert on my credit reports on XX/XX/year> and yet this second application was allowed to proceed to hard inquiry without my permission. Capital One said they that will remove this application but that they would not send me a letter confirming they had and could not explain why the hard inquiry was allowed to proceed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have requested for XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ) of the United States to review this complaint. The following accounts and hard inquiries currently listed and showing on my ExperianXXXX XXXX XXXX XXXX XXXX credit report is fraudulent accounts and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There was a payment made in the amount of {$200.00} due on the XXXX of XXXX paid on the XXXX of XXXX. Because the payment was returned, due to paying it from a wrong checking account on my end, they marked me as 30 days past due as of today. I checked the check information on the terms and conditions and I did not see that this would happen.
Product: Credit card or prepaid card

Called today XX/XX/2019 asking for a credit for the {$39.00} late fee to be credited. XXXX of Delaware Call Center said she could not credit me. 

I told her it is not my fault that I made the payment on the due date but due to the Federal Reserve system it took a day or 2 to post to my account. 

Please talk to XXXX XXXX about these fraudulent charges and how they hurt his market share by not treating customers properly.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received an email in XXXX, saying that my terms and conditions with my Fortiva Account were changing and they pretty much going to charge me {$100.00} USD every year. The problem was that this email was sent to spam. 

The email said that me not doing anything about was a confirmation of the new terms, if I wasn't on board with them I would have to email them back saying no, but since this email went unnoticed because it went straight to spam, I never saw it. 

And now they're trying to charge me out of {$100.00} because it was on the email I never read nor agreed to. 

No signs or agreements on my behalf were ever agreed. They just suddenly did this to everyone, expecting from us to pay {$100.00} when no agreement was ever signed. 

This is what's wrong with this credit card companies like Fortiva, they just empty the pockets of the people who are trying to get by. Fortiva is scamming the people hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LVNV Funding, XXXX, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with LVNV Funding is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX HOSPITAL XXXX ) XXXX was fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report
Product: Debt collection

I reached out to the collection company, Portfolio Recovery, in XXXX to obtain information about the debt and contest it because dates and charges did not make sense to me. Instead of removing suspicious charges ALL MADE BEFORE XXXX they falsified reporting on the debt to reflect that it was opened in XXXX so that it would stay on my record longer. This is 100 % a lie. This debt is at least XXXX XXXX XXXX and should soon be falling off my record soon but wont because of falsified reporting done by Portfolio Recovery. I never admitted to ownership of the debt or talked about repayment when I contacted them in XXXX so the debt should not have been restarted at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Universal Credit Services ... XXXX XXXX XXXX XXXX continues the systemic Institutional XXXX oppression, and XXXX inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!
Product: Mortgage

First complaint # XXXX against Select Portfolio Servicing Inc was done XXXX. 

My Name is : XXXX XXXX owner and mortgage holder at XXXX XXXX XXXX XXXX MI XXXX. I am - disputing a false middle initial placed on my name through the Select portfolio servicing which created another person on my mortgage with the account. # XXXX. The company has continue to use the same name and account number. as of XX/XX/2020 which is an illegal name and account number. However I can no longer excess my mortgage account though their online services. Although the select portfolio servicing were faxed and send the correct information by the owner of the property, over ( 60 ) sixty days ago. 

The Select portfolio servicing Inc has continue to use an illegal middle initial to create an illegal account number through a conventional mortgage foreclosure at XXXX XXXX XXXX Mi XXXX. However, as of XX/XX/2020 the select portfolio servicing Inc requested for the Owner/complainer to sign a document : which will not hold : Select portfolio servicing, accountable for their illegal errors. 

Therefore I ' XXXX XXXX is filling a [ second ] complaint against : Select portfolio servicing Inc. I am requesting for the select portfolio servicing to accept all responsibility for their illegal name error, and to change all  account numbers to the mortgage account to reflect the correct changes ; belonging to the Owner. XXXX XXXX. financial mortgage loan. As of XXXX XXXX Select Portfolio servicing " has not " used the correct name, Nor a new account number to reflect the changes of the errors and the errors still exist. 

Therefore I am filling another complaint against : Select portfolio servicing to correct my name and the account number on my conventional mortgage account. Requesting for the SPS Inc to send a confirming documentation to the CFPB complaint bureau and the owner in the correct name with a new account number under XXXX XXXX mortgage as of XX/XX/2020. 

Best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Debt collection

THIS IS NOW MY SECOND ATTEMPT TO RESOLVE THIS DEBT. On XX/XX/2021 I sent a certified letter to this company asking the for a dunning notice as well as validation of this debt. The certified mail number is XXXX. They claim they didnt receive this letter but is was picked up by someone in their office on XX/XX/2021. I then sent another certified mail letter dated XXXX/XXXXXX/XX/XXXX number XXXX which was picked up by someone int their office on XX/XX/2021. I also called in to to speak with a Supervisor on XX/XX/2021 and asked if they received my disputes.they stated that they sent me proof of debts owed to an address of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Pa which I do not live. They then proceeded to tell me that the address they had on file was my current address which I found odd. They also told me that they would send me an email with proof of debt within XXXX4hrs via email which they verified that they had. I still have never received this email. I then called back on XX/XX/2021 and Spoke with XXXX XXXX and he told me that he would send me an email with validation of debt and still no email. At this point they are past several violations of the FDCPA and FCRA. I have no other choice to pursue legal action if this account is not deleted
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer report and realized that there are some unauthorized inquiries on my report.I never initiated those inquiries and never gave any person permissible purpose to pull my consumer report.
Product: Debt collection

I was called by a collection agency, and when they told me that I had a collection account, it was from XX/XX/XXXX. they then told me my last payment was done inXX/XX/XXXX. I asked them what they were talking about and who the creditor was they were trying to collect for. they told me it was for XXXX XXXX credit card. I told them that I didn't remember, but that I was at work and couldn't talk at the moment but to continue talking to my fianc. I myself and my fianc told them not to put the account in dispute, and the collection representative asked us if we wanted to dispute it and my fianc said no, however the representative went ahead and disputed it anyways. I know that doing this reactivates the collection on the credit report, and it shows it as a new/recent collection. I told them that this was an old collection and shouldn't be reporting on my credit report. I told them that I didn't want it to be disputed so that it wouldn't affect my credit report, but they refused to take it out of the dispute. I have not received any documentation regarding this debt.
Product: Checking or savings account

I did not authorize a transaction. I disputed with my bank and they denied the claim. I emailed the company on multiple occasions per Navy federal denial and have not received my funds. I have not received any merchandise or response from the company. They do not have a phone number listed. Navy Federal has since closed my debit card. I am requesting my funds for a transaction I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 These are the following accounts that are fraudulent on my consumer report US DEPT XXXX XXXX DEPTEDXXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Checking or savings account

So recently I received a letter from Bank of America XXXX XXXX saying they revisited an old claim of mine and reversed the final decision in my favor and to go through my statements and see if there are more fraudulent charges and to file them..so I did and there was quite a bit of them that I tried to have settled a while back but they rules against me..so I filed my new claims the first claim and when I saw I was awarded the new claims I noticed that the gentleman I spoke to who filed my claims didn't put all of the charges I told him.to on them so I had to file 2 new claims which is what I'm complaining about. First claim # XXXX for the amount of {$800.00} and the second claim # {$1300.00} both of which all the charged on these 2 claims were suppose to be submitted on the claim I was just awarded as the bank employee promised me they were, are now being denied to me and they are all charges from XXXX, XXXX and some from XXXXso when it denied I call back and have them file a reconsideration, then when I call back to check on that reconsideration I find out that a reconsideration wasn't even filed.. so ha e to refill again and this has been going on for about 2 months and these charges I'm now being denied are the same charges I was just recently rewarded and because the employee didn't put all of my claims on them I had to refill and now somehow am being denied these claims that should be rewarded to me in the first claim.. AND on top of that ... I had a bank of america MANAGER call me back on my cell phone to harass and threaten me and say some really weird things to me, so I filed a complaint about this with bank of America and the complaint is XXXX complaint ID # XXXX and filed the complaint with bank of America manager named XXXX and was told I can call tbe bank and follow up with my complaint I filed and then when I do, the bank tells me it's a n internal problem they will handle its none of my busines ... .So now I'm in fear for my safety because this bank manager who called to Harrass and threatened me has access to all of my personal information like my address, social security, all my banking information. And I don't know what she's capable of if she's gone to the level she has already and I dont feel safe now and don't know who to turn to for help.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report.

2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report.

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

XXXX. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

XXXX. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ).

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, XXXX, and Transunion. 

XXXX. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. XXXXmmediate update across all three credit agencies is requested.

10. Correction of Personal Information : I request the correction of personal information to reflect only one name on my report ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ) and no employers. 

XXXX. Deletion of Personal Statement on Transunion, XXXX, XXXX Report : I request the immediate deletion of the personal statement on the TransUnion, XXXX, XXXX XXXX report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, XXXX, and Transunion systems concerning my consumer report. 

XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Hard inquiry was ran without my consent on XX/XX/2024 CBNA Hard inquiry was ran without my consent on XX/XX/2024. 

I recently discovered unauthorized credit inquiries by the companies and I ask for an explanation at their earliest convenience.