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

I made a wire transfer to COINBSAE INC on XXXX XXXX, 2017 in the amount of USD XXXX. Below is the email that we received from COINBASE stating that our wire transfer will be sent back to my account in 3-5 business days. It been over 2 months and I have not yet received my money back. I have been to my bank and they requested wire recall three times and COINBASE bank did not respond to wire transfer recall despite they told us that they have rejected our wire. Here are the details of the wire transfer 

XX/XX/17	WT FED#XXXX XXXX XXXX  XXXX=COINBASE INC SRF# XXXX TRN#XXXX RFB#	 	$XXXX

On XXXX XXXX, 2017 at XXXX PST "Coinbase Support"  wrote:

Hi there,

Thanks for your interest in wiring funds to your Coinbase account.

We recently received a wire from a name that didnt match the name on your Coinbase account. Unfortunately, in these cases we are unable to accept the wire, so we will return the wire to the account it was sent from. This reversal process typically takes 3-5 business days, but may take longer.

I apologize for the frustration with this. To avoid any difficulty moving forward, please send future wires from an account that matches the name on your Coinbase account. Please feel free to try the wire again from a different account in your name.

Thanks for your understanding and patience, and for choosing Coinbase!

Thanks, 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card balance is {$0.00} on my XXXX XXXX XXXX  and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$1700.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Debt collection

I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXX XXXX  and I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  and after providing all of my information I was told that they did not have my account. 
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 
9. XXXX  XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX  and XXXX  XXXX  and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification or alert to my credit report of an unauthorized inquiry or " hard inquiry '' that was carried out at a car dealership : XXXX XXXX, located on XXXX XXXX XXXX. This action appears in TransUnion, which by the way, in a telephone conversation told me that a letter from the same dealer was necessary stating that I had not made that transaction. I tried unsuccessfully for them to provide me with this document, but at all times it was unsuccessful. 

TransUnion also indicated to me that if the establishment refused or for any reason did not provide the document, I would have to contact the Department of Consumer Affairs or the Federal Trade Agency to initiate a process. It is alarming and worrying that entities lend themselves either by omission, mistake or for any other reason to damage the credit of a XXXX XXXX consumer such as mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported that this is in the court -court name XXXX XXXXXXXX XXXX  Docket number XXXX month filed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  month filed XX/XX/XXXX Credit Acceptance Corp XXXX XXXX Filed XX/XX/XXXX on XXXX XXXX I went into my bankruptcy lawyer office to have him do a data base search on the company to found out there is nothing in the court system under my name and even in there state there is nothing in court for me or in my state where I live there is nothing the only thing that is Docket number XXXX Court name XXXXXXXX XXXX XXXX  Month Filed XX/XX/XXXX balance XXXX so I need this to be investigated with law enforcement and the fraud department to find the docket number and which the company has listed and filed in court there not judgment or lien found in my court where I live from any of those companies
Product: Debt collection

On XX/XX/22 my mobile device an XXXXXXXX XXXX XXXX was stolen. I contacted XXXX only to fine the device I insured with XXXX XXXX + did not cover theft. ( Why would anyone buy insurance that did not include theft ( Guess I should have read the 20 page disclaimer ) In any case I cancelled the the subscription, which I received a confirmation email from them. Unfortunately I have continued to be billed by TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which does the billing for XXXX for this service. I have spent hours on the phone on two occasions getting passed from customer representative to customer representative with no progress. I disputed the charge and was notified by XXXX that the charging company has to remove the disputed charges which TD Bank has not done and are now reporting these charges as delinquent on my credit report. A short while ago my credit score was at XXXX. It is now at XXXX due to these erroneous charges from a subscription that was cancelled on XX/XX/22. The current amount in collections is {$47.00}. I have sent proof of the cancellation to TD Bank customer support and to XXXX with no resolution. NOTE in the screen shot from my credit report the billing dates past due compared to the cancellation date in the email.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. They called my phone and job from personal cell numbers and they called from restricted numbers.
Product: Debt collection

I have been receiving multiple calls from a phone number, XXXX, I do not recognize. My mobile phone provider blocks the phone number as it was blacklisted and reported as a telemarketer phone number. After receiving multiple calls ( XXXX ) within XXXX minutes trying to get past the call protection feature, I called the phone number back to inquire what company is frequently and illegally trying to call. The phone number is tied to a company called Credit Management , LP and I have never heard of this company. I spoke to a representative and asked for my phone number to be removed from whatever calling list it they have.
Product: Money transfer, virtual currency, or money service

pnc is blocking me from connecting my account to another institution - XXXX, investing  app.
Product: Credit reporting

I used lending XXXX to view my credit score for free. The site kept asking my why I am checking my score. I chose anything in the drop down menu in hopes it would stop asking me the reason for checking score. after I chose auto refinance which was picking anything it asked me a series of questions. I answered them. It did NOT STATE IT WAS SUBMITTING AN APLLICATION TO LENDERS FOR ME! I t did not even ask me if I work or what my income is. I gave No pertinent information to incline it was an application. Next thing I know I am receiving emails from companies about an " application '' submitted! This put a hard inquiry on my credit report. I did NOT authorize this application! 
I am in the middle of applying for a mortgage and would never apply for credit at this time. I called the called the companies and explained this. They are not willing to remove the inquiry from my credit even though I did not know it was an application. I have called XXXX and complained to them about their site. They make it look like a screening tool when it is actually submitting an application. No where on the site did it ask If I would like to submit an application. very misleading and I want the inquiry removed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX bank XXXX, Account name : # XXXX XXXX XXXX Account name XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX account number XXXX Account name The stark collection A account number XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/2021, I submitted a complaint due to the fact that my original dispute with XXXX was being ignored since my original dispute date of XXXX XXXX. It took over 90 days for them to respond to my dispute, which should have resulted in the disputed inaccurate items being deleted from my consumer report permanently. However, the accounts are still on my report with no document evidence from the investigation that was made. An investigative report should be done with personal interviews and Equifiax FAILED to accurately investigate the accounts and provide the document evidence from the investigation. I need these inaccurate and unauthorized accounts removed from my credit file IMMEDIATELY because it is hurting my chances with getting a mortgage, which is help ruin the banking system which in turn ruins the economy!
Product: Credit reporting

Fair collections and out have reported inaccurate information to transunion, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but transunion refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and XXXX ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.
Product: Credit card or prepaid card

On or about XX/XX/2020, I applied for a secured credit card through First Progress. On XX/XX/2020, the transaction for my {$200.00} 'deposit ' was processed through an online bank that I use. On XX/XX/2020, I received an email from First Progress stating that I had been approved, an account had been opened in my name, and within 3 days my credit card would be created and mailed, as well it was offered that for {$19.00} they could " expedite '' my card. By Monday, XX/XX/2020, I still had not received the card and I called First Progress. It was suggested that I wait until Wednesday, XX/XX/2020, to allow time for it to arrive - it didn't. 

Today is Thursday, XX/XX/2020, 26 days since they've had my deposit and 20 days after they create an account in my name that I can't access without the card.
Product: Debt collection

Penn Credit is trying to collect money for an UNSOLICITED cookbook. I had the same problem a year previous and reluctantly paid because I was sick and didnt realize consumers are not responsible for unsolicited merchandise. I canceled my magazine and told the company both written and at the XXXX number to cancel everything and never send me anything else. 
I called both the magazine office and Penn Credit. They both know the product was not solicited. They both known consumers are not responsible for unsolicited merchandise but play this fraudulent game year after year.
Product: Credit reporting or other personal consumer reports

Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, NC, [ XXXX ] Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Accounts name and numbers listed below : NAME : SXXXX XXXX XXXX  ACCT : XXXX NAME : XXXX XXXX XXXX XXXX ACCT XXXX XXXX NAME : XXXX CARD ACCT : XXXX I have previously disputed these accounts stating : 15 USC 1681e ( b ) ; Experian has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 ; Experian has continued to report inaccurate information after I provided notice to disputes.

15 USC 1681i ( 5 ) ; Experian has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) ; Experian has reported obsolete information that should have been excluded from my credit report. 

Recently, I have become aware of the lawsuit filed by the CFPB against Experian on XX/XX/XXXX titled CFPB Sues Experian for Sham Investigations of Credit Report Errors. According to the CFPB, Experain has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues Ive been facing. 

Experians failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, housing and business funding opportunities. 

Please mail me the PROOF of your investigation not through your online portal, who was spoken to, time, date, location, and proof of the negative payment status for this account, or update these payments to ON TIME PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and changed to PAID AS AGREED my report. 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 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the collection charges reported on my credit report regarding the XXXX XXXX and Synchrony Bank account. These charges are unknown and appears to be a credit account, and I do not have any knowledge of this account. I am not responsible for any further charges related to this account. The account in question was closed prior to any charges or coverage was in effect. I have disputed this account with all three credit bureaus. Despite my efforts, I have yet to receive a fair and lawful resolution, in accordance with consumer protection laws. As of now, nearly 2 years later, I believe the reported charges are erroneous and should be removed immediately from my credit report. The failure to correct these inaccuracies has caused unnecessary harm to my creditworthiness, and I insist that the charges be investigated thoroughly and removed as soon as possible.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute with XXXX, Equifax and XXXX, but i have only heard from XXXX and Equifax. Its been over 60 days and I haven't heard anything from XXXX. XXXX an Equifax reported that the information was verified and accurate but I have proof that that is not true or accurate. 

XXXX XXXX has deleted the bankruptcy off my consumer report and the US bankruptcy court verified that they do not report the the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have unknown inquiries on my credit report that I did not into nor did I know nothing about. 

See attachment-
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.