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

On XXXX XXXX XXXX a Unauthorized Device was detected on my coinbase login. I was alerted through my phone if it was me or not. I immediately confirmed it wasn't me and did a Verification check. At that point I figured I was safe but still changed my password. I then received emails that multiple crypto conversions was made to Bitcoin. I then reported it right away. Very soon after I notice that a all the conversions that the hacker done to bitcoin was attempted to be sent to another wallet. It was a pending transaction that was made after I confirmed my account was hacked and notified them. A couple hours late the transaction was successfully made. A Total of {$3400.00} I waited all night for a response from coinbase because I just didnt understand how after I click the link that it wasnt me from the Unknown device that a transaction was still able to be made by this device. They havent help me and all my funds are gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus maintain accurate and up-to-date information and allows consumers to dispute any inaccuracies. Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize or recognize. These unauthorized inquiries negatively impact my credit score and financial well-being. According to Section 1681b of the FCRA, credit inquiries must have permissible purpose and consumer consent. I request that you conduct a thorough investigation into these inquiries and provide evidence of permissible purpose and consumer consent for each. If you are unable to provide such evidence, I request that these inquiries be promptly removed from my credit report. Furthermore, I remind you of your obligation under Section 1681i of the FCRA to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to comply with this requirement may result in legal action. Enclosed with this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documentation I have regarding their unauthorized nature. Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Mortgage

Per response from previous complaint ( attached ). Most of the response is not accurate. 

The email listed under my " Loan Specialist '' does not go to her ... as US Bank states, that email is for document submission only... how do I email my loan specialist, as no one ever answers the number listed for her or returns voicemails.

Why is she listed as my loan specialist if I can not contact her? 

*This loan has never been late. How could it be late if I was assisted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They assisted with 5 monthly payments of {$5600.00} and one lump sum payment of {$16000.00}, for a total of {$45000.00}. Please show me where and when these funds were applied and if so, how I still have a deferred loan amount of {$110000.00}?? 

I believe this loan has been reported inaccurately for over 4 years because of the calculations above not being applied to the account correctly. 

This in turn, along with the lack/inability to contact anyone concerning this, has destroyed my credit and made it impossible to modify or refinance this loan. 

I need to take some money out of this loan for XXXX XXXXXXXX and to reduce some other small debts, but have been unable to get approved because of the false reporting from XXXX XXXX. 

I would like a full complete detail of all payments made to the account and I would like the account listed as current, never paid late and I would like it noted that the forbearance and XXXX XXXX XXXX payments have no negative impact on my past or future credit worthiness. 

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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

XXXX XXXX my husband signed a contract with XXXX for phone, internet and television service. At the end of the contract we returned all of the equipment in person and paid the balance of {$150.00}. We had received several Debt Collectors letter to pay the same amount. Unfortunately, those letters I shred because we went to XXXX and spoke with XXXX of the employees who checked and saw that we did not owe anything. I even called at another time and spoke to a female supervisor who apologized and said this will not happen again. So I took her word and destroyed the letters.The last time I went to XXXX office was XXXX/XXXX/XXXX after I received another letter from XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX. I spoke with a XXXX XXXX and she told me everything was paid up and that she will inform her supervisor and that we should n't be receiving any more letters. Yea, right. I have another later dated XXXX/XXXX/XXXX from Convergent Outsourcing, Inc. still claiming {$150.00} on behalf of XXXX. My husband is a sick man and we are tired of this harassment. There were different times they threatened that they will disconnect our service. Since the contract expired we have not used XXXX because we have another service provider. Please help.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I identified two negative items that I believe are inaccurate. These items are listed under " XXXX XXXXXXXX XXXX XXXX and " XXXX XXXX XXXX. '' After thorough examination of my records and accounts, I found discrepancies and issues with these entries that prompted me to dispute them. 
from Experian dispute Department and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Equifax is furnishing accounts to my consumer report that is a violation of this section. Equifax has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. Equifax has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section. Equifax has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my credit report that's the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a apartment rental lease opened at XXXX XXXX on XX/XX/XXXX that resulted in a collection in the amount of {$4600.00} to XXXX XXXX XXXX, an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$26000.00}, a personal loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that resulted in a collection account with XXXX XXXX XXXX in the amount of {$3300.00}, another fraudulent personal loan at XXXX XXXX on XX/XX/XXXX, and lastly a phone loan from XXXX XXXX XXXX in XX/XX/XXXX that resulted in a collection with XXXX XXXX XXXX. These accounts have been the result of several fraudulent collection accounts appearing on my consumer FICO credit report. I do not recognize these accounts and collections as reported. The aforementioned accounts and collections showing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint report number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of inaccurate and unverified personal information from my Experian credit report, including incorrect names, addresses, Social Security numbers, and phone numbers that are not associated with me. According to the **Fair Credit Reporting Act ( FCRA, 15 U.S.C . 1681c ) **, credit reporting agencies must maintain accurate and complete information in consumer credit files. 
I have identified multiple discrepancies in my credit report that require immediate correction, as they reflect information that does not belong to me. The specific errors include : Names, addresses, social security numbers and phone numbers that dont belong to me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this Creditor has violated my privacy rights as a consumer. They are not reporting fair and equitable to me as a consumer with the regards to privacy and confidentiality 15 USC 1681 Permissible Purpose section 602 states I have rights to privacy, 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I am in a Chapter XXXX Bankruptcy case and Wells Fargo refused to consider my loan modification application even though the automatic stay is in place. They have adjourned my sale date in incremental amounts to ensure that they would not have to evaluate my loan modification application which is a violation of the automatic stay. 

XXXX from Wells Fargo is the employee that violated the Federal Automatic Stay by refusing the evaluate my loan modification application. 

I am also filing a motion for sanctions for violations of the automatic stay.
Product: Debt collection

Hunter Warfield failed to contact me after they received dispute letter with in the 30 days. I disputed the debt from a lease because the dates end date of the lease was before the start date of the lease. The lease we signed on XX/XX/2015 and it clearly said the lease started XX/XX/2015 and ended XX/XX/2015. There is an error in the way this lease was written by them and I 'm not at fault for their error. I feel they had a professional duty when creating this leases to be sure all the dates are listed correct. I also ask in my letter to them to notify me in writing by mail and email immediately when they have receive my letter. I only recieved the intial from them and was never mailed anything else about this debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Payday loan, title loan, or personal loan

I asked to have the loan cancelled and I was charged an administrative fee of XXXX, that I was not aware of. They approved the loan with the copy of the contract attached and would not let me cancel the loan. 
The customer service & management is horrible. The agents are very smart mouth and sassy. Customers are not valued. I talked with a young man of XXXX origin by the name of XXXX, he was the supervisor, his attitude was not friendly & very sassy. I spoke with a young lady before asking for the supervisor, and she also very sassy. The supervisor would not give me the name or number to his boss. The Avant  XXXX XXXX XXXX page does not allow you to leave bad reviews. We are also unable to leave comments on their personal web page. The company does not communicate well and it is difficult to get the help you need.
Product: Credit card or prepaid card

I rented a vehicle using my Chase credit card and had an accident on XX/XX/21 with the rental vehicle, resulting in about {$3000.00} in damages. I am supposed to have insurance coverage for rental vehicles when I use my Chase card. I timely submitted a claim and then timely submitted all information requested by Chase on 2 or 3 occasions. I have confirmed with Chase representatives on the phone of 2 or 3 occasions that they have all the information they need, but I continued to receive emails saying they need additional information. Then, when I call about that, the phone reps tell me their computer says more info is needed. So, I have asked to speak to supervisors 3 or 4 times and am assured that I will receive a call from a supervisor within 24-48 hours, but I have never received a call back. This has occurred consistently over the last 10 months, obviously indicated that Chase is not responding in good faith, but is hoping I will just abandon the claim. I seek assistance in pursing this against Chase card services.
Product: Debt collection

This is a complaint against XXXX, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phone number is my old phone number. 
And my address needs to be updated.
Product: Money transfer, virtual currency, or money service

Online wired {$50000.00} through Chase Bank to XXXX XXXX for investment in real estate. May have put down contact person, XXXX XXXX on the payee section instead of the memo section. Received message that needs to provide DOB for XXXX XXXX and transaction under OFAC investigation. Replied and attached escrow instruction to clarify payee to be XXXX XXXX and not XXXX XXXX. Provided phone number. Have been receiving the same automated message no matter why I sent them. Chase 's XXXX XXXX phone number provided in their message does not allow leaving messages nor connecting to any department or person. Called local branch Chase and they are not able to release the hold on the {$50000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX XXXX account # XXXX as well as XXXX XXXX XXXX account # XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report upon review i have found multiple fraudulent accounts listed on my credit report XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$3000.00}. And i also have not received my 1099-C letter from this company.
Product: Credit card or prepaid card

I received a refund from XXXX XXXX for my stay at their hotel. Discover found in my favor, then reversed. I sent a copy of the Refund ticket to Discover, see attached, Discover still continues to bill my account.