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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} - Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -late/closed XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} - Collection XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to Capital One Auto Finance, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. Capital One Auto Finance did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my right to privacy and confidentiality under 15 usc 1681.

XXXX  Account # XXXX  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. 

For account XXXX from XXXX XXXX of {$8400.00}
Product: Credit card

The due date was on XX/XX/XXXX but it was a Sunday so I paid on XX/XX/XXXX and Capital one Charged me {$35.00} interest. I paid XXXX statement on time but they still charged me interest of {$37.00} even after paying the statement balance on time.
Product: Money transfer, virtual currency, or money service

COINBASE ACCOUNT COMPRIMISED CASE # XXXX On Friday XX/XX/2021 my personal Coinbase account was hacked and 8 Crypto Currencies from my account. Access to my account began on this particular evening and 43 login failures were logged onto my Coinbase Account activity before Coinbase granted access on the 44 attempts at XXXX XXXX  that evening. 
Over the course of 20 minutes the hacker proceeded to drain my account of 8 Crypto Currencies valued at just over {$3.00} XXXX USD. 
Upon the time I figured out my account was hacked and property stolen I had my account locked and reported this incident to Coinbase. 
I received a couple generic replies to my 9 emails to Coinbase, I can not get anyone from the Company to discuss this terrible event with me. 
LIST OF MY CRYPTO STOLEN : 1- ETH Ethereum XXXX Coins ( Value $ XXXXUSD ) 2- BTC Bitcoin XXXX Coins ( Value {$600000.00} USD ) 3- BCH Bitcoin Cash XXXX Coins ( Value {$410000.00} USD ) 4- LINK Chain Link XXXX Coins ( Value {$140000.00} USD ) 5XXXX SNX Synthetic Network XXXX Coins ( Value {$96000.00} USD ) 6- XTZ Tezos XXXX Coins ( Value {$51000.00} USD ) 7- SUSHI Sushi Swap XXXX Coins ( Value {$24000.00} USD ) XXXX XXXX XXXX XXXX Coins ( Value {$57000.00} USD XXXX Total Value of withdrawals on XX/XX/2021 = {>= $1,000,000} It has been 26 days since my account was hacked and money stolen and still no communication with Coinbase. Today I have sent a complaint letter addressed to the CEO, XXXX XXXX and their Legal Officer, XXXX XXXX XXXX. Any assistance to help resolve this matter is greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not signed any contract with either of these companies and furthermore I have NEVER given Equifax written consent to report on my consumer report. 15 USC 1681b ( a ) ( 2 ) clearly states the purpose of a consumer report. I have been disputing these same fraudulent accounts and charges for months with no results. I am writing to delete the following information from my file. I reported the identity theft to the Federal Trade Commission. I have enclosed my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called XXXX, Transunion, and XXXX  XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.
Product: Credit reporting or other personal consumer reports

I have been disputing debt accounts through Experian for several years and for the past year or so there seems to be some re-aging of my accounts with XXXX XXXX XXXX XXXX XXXX XXXXXXXX which were credit cards that I couldnt pay off due to loss of employment and a natural disaster during that time. I requested both reasons in a dispute and to no avail. Since this time 7 yrs has passed and the accounts still have not disappeared from my credit report after several disputes. I also have a debt on my report from XXXX XXXX which was a line of credit that I lapsed on due to the same factors. This account is older than 7 years and experian refuses to remove from my credit report after several recent disputes. I was financing a TV from a business known as XXXX. They sale electronics and furniture. They are categorized as a personal loan on my credit account, maybe Im misinformed but I was unaware that it was a loan. This account also became deliquent around the same time as the above mentioned due to loss of employment, XX/XX/2017, and a natural disaster that XXXX XXXX encountered in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I again have made several attempts over the years to get these items removed or resolved but to no avail. Experian has made little effort to explain why they have made no attempts to make the appropriate corrections or removals. I have suffered lots of denials and many setbacks due to my credit account. Every time I work on my credit nothing much happens. The derogatory credit accounts remain and my score drops and other creditors appear that were not there the last I checked my report. Its frustrating and I could appreciate a little help to make this company follow the laws set forth to protect us consumers. Your help would be greatly appreciated.
Product: Debt collection

Company continues to try to contact me via multiple phone calls despite written notice of to cease all calls.
Product: Debt collection

An account from XXXX XXXX XXXX ( Original creditor ) is showing on my credit report. Its now saying that its been sent to the collection agency XXXX XXXX in the amount of {$530.00}. It also says the account was opened XX/XX/16. I did not open this account and Ive tried to contact the company at their toll free number XXXX. It sends you straight to voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, I opened a credit card account with XXXX  XXXX. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. Portfolio Recovery Associates removed the account from my credit report. I noticed the account continues to be reported on all three agencies by XXXX XXXX. The account status as sold to XXXX and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with XXXX XXXX they stated they are not reporting on their end. I spoke with XXXX and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!
Product: Debt collection

I sent a previous complaint under my married name XXXX XXXX, which is still in process through the social security office. The complaint is supposed to be under my maiden name XXXX. On XXXX sent Identity theft report along with affidavit, and notary presentment to Ad Adstra through certified mail Receipt # XXXX to remove unauthorized account that was not opened by me, and I am yet to receive any communication from Ad Adstra about them following the law pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt, and this hasn't been done which is a violation of my rights and the law.
Product: Credit card

Good afternoon, I need help please. I have a credit card with PenFed Credit Union which I rarely used for balance transfer purchases, the card is secured in my home safe. In XXXX ofXX/XX/XXXXI received email about a min pmt due when I knew there was no balance on the card for a long time. When I checked my card I saw one transaction with XXXX for {$150.00}. Nothing before, nothing after. I immediately called to report and the agent said they opened a case and issued a new card. 

Ever since that day, my XXXX started. I am getting calls, texts, emails and letters daily for payment. I call in every few days. Today I have discovered that noone has opened the case, noone reported fraud transaction. I was bounced around the departments and am on hold for 1.5 hours to talk to yet another department. This can't be happening in a financial institution inXX/XX/XXXX I even wanted to pay the damned amount just to make it stop but my wife said you should fight it even with the most incompetent financial institution. One thing I worry about is that they will send me for collections and ruin my credit. I can't wait to get this over with, cancel and want everyone to avoid this place like a plague. 

Please, let me know what I can possible do to resolve. 
Thank you
Product: Credit card or prepaid card

American Express ( Platinum Card ) claims to offer " Car Rental Loss and Damage Insurance is  underwritten by AMEX XXXX XXXX ''. 

According to Amex : " This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have ... For full Terms and Conditions, see americanexpress.com/CRLDIterms. '' https : //www.americanexpress.com/us/credit-cards/features-benefits/platinum/terms.html Note that the link on the Amex 's own page to the " full Terms and Conditions '' leads nowhere and therefore important features of the insurance are not available to consumers. 

I rented a car using this card, had minor damage, submitted a claim and as a New York insured driver they sent me the following statement " ... New York Auto Policies should provide coverage under the Auto Liability section of your policy and no deductible would apply ... Given this, we are closing our file. " Very importantly, Amex sent me this notice before any contact that I or they had with my insurance company and without reviewing my insurance policy in any way. According to their own notice to me, the only basis of their decision is that I am a New York insured driver. This means that their advertising is false. They do not provide " secondary '' coverage to New York drivers. They provide no coverage at all to New York drivers. 

Note that on their website they specifically state that " This benefit is not available to residents of XXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX, XXXX and the US Minor Outlying Islands. '' But they fail to state that it is also not available in any form whatsoever to insured drivers in New York.
Product: Checking or savings account

My account XXXX was closed and I received two closure checks for {$4.00} and {$18.00} but I did not receive a closure check for the {$890000.00} cent in my account and am missing that check, please mail me the {$890000.00} check that I am missing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which has compromised my personal information. The entries detailed below are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked from my credit file. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$710.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX. XXXXDEPT OF ED - XXXX XXXX XXXX XXXX  {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$590.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$450.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} Unauthorized 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 XXXXXX/XX/XXXX
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. 

Below are the name of accounts and numbers XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX  XXXX  : # XXXX theses accounts above, 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. 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

My credit report is displaying improper information that I have disputed several times for the past 2 years. I have consistently called and disputed the information for all XXXX credit burials. Not only is the information up 8 years old but its against the law. It has caused me financial hardships and I am currently still trying to find away to remove the information from my account.
Product: Checking or savings account

On XX/XX/22 i initiated a transfer of a {$100000.00} from ALLY Bank to XXXX that was offering higher interest rates than ALLY. The bank that i sent funds to was vetted by ally 's process in which they send 2 trial credits to the destination bank and in return i have to enter these two trial credits on Ally 's website to start transfers process. With that done the transfer request was made. After four to five business days no funds were received from ALLY to XXXXXXXX XXXX which is offering higher interest rates than Ally. XXXX i initiated inquiry to Ally why the funds were not transferred and ALLY froze my account with the receiving bank. I have made numerous calls and provided documents and screenshots of documents as to the owner and holder of the bank account of XXXX XXXX and still the substantial amount of money has not been returned to me or to the bank i wanted to be deposited to. It seems most but not all of the customer service are gaslighting this situation when there was no fault on my part. Customer service will not give me an eta as to when the funds will appear all they say is call in one or two business days. And the same process will start over again you have. After numerous calls and no action on XXXX XXXX the {$100000.00} was returned but my transfer privileges has been suspended and i can not access my funds. Todays date XX/XX/22 the day im making athe complaint, Its been over a month that this has not been rectified. I need access to my funds so i can make purchases for everyday living. Ally bank has been slow walking this in that they have to verify the account of XXXXXXXX XXXX  the new account offering higher interest rates. I have been with Ally for over ten years and the bank i have been making monthly deposit with into ALLY bank for the past ten tears has also been suspended. Its apparent they Ally only like to receive funds not transfer out funds that offer higher and more competitive interest than theirs. I am requesting that you investigate ALLys practice in suspending my transfer privileges, I want to transfer my funds out to institutions of my choosing.
Product: Credit reporting or other personal consumer reports

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my 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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Continued from last complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter by email threatening to put me in collections a collection agent already contacted me previous before the email. Saturday I received a statement from the collection agent. According to the statement the balance is higher than what the service provider is asking for.
Product: Credit card or prepaid card

Access to Citibank 's website has been denied " temporarily '' for at least the entire month of XXXX with no suitable explanation or time estimate for remedy from customer service. This raises concerns of electronic compromise, but has gotten no traction anywhere that I find in news reporting.
Product: Credit reporting

I have asked them to removed all non account holding inquires off my credit report due to the fact that I did not give them or anyone else permission to run my credit. Most of them are on the same day from a car lot that I have never been to or talked to anyone that works there, none of these inquires are mine.
Product: Mortgage

I am concerned about what will happen if my house doesn't sell soon ; it has been on the market for three years. I have tried calling the Client Advocate Unit of BBVA Compass for two weeks but nobody answers the phone. I did actually manage to speak to one person after 8 days of calling ; she said there wasn't really anything they could do because my account was in good standing. I asked about deed-in-lieu of foreclosure or other options but the only advice was get a short-sale offer. I have not received any offers in t

hree years ; this didn't seem to concern them. Again I asked for other options but received no other advice. However, the next day they called my home number asking us to call them back. I have been trying everyday for five days, leaving messages, etc ...

Consumers are encouraged to call their bank before they experience difficulties. It is apparent that " doing the right thing '' is not the way to go. It seems quite obvious that consumers have to ruin their credit before anything will be done and by then it is usually too late. Two weeks I have been trying to get information to attempt to avoid foreclosure and for two weeks I have been confronted with a voicemail that apparently does not get checked. 
BBVA Compass show a complete disregard for their customers.
Product: Mortgage

We have mortgage with the M & T Bank for our property located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We paid {$150.00} more with our XX/XX/XXXX mortgage payment for the shortage in the Escrow account. My wife called M & T Bank and asked them to deposit this additional amount of {$150.00} to the Escrow account. But they did not deposit this amount in the Escrow account.