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

On XX/XX/XXXX XXXX XXXX sent a settlement payment of {$3700.00} to my US Bank safe debit account ending in... XXXX. Attached screenshot shows that as of today US Bank shows the available balance as of XX/XX/XXXX at XXXX XXXX  ( the time of this submission ) is {$3600.00}. Since XX/XX/XXXX, almost a month from today, I have attempted to pay my bills using my available funds and the bank has refused to cover my bills or allow that I withdraw my funds. On my last call with US Bank fraud and dispute center I was told that as of XX/XX/XXXX I would receive a letter indicating when a money order was going to be sent to me. As of today, I have not received any communication from US Bank with regards to the settlement payment of {$3700.00}. I have fallen behind on my car payments, all of my credit card payments, my rent, insurance and are on the verge of having my credit record affected by late payment reports. I have went to local branch, I have talked to numerous departments at the US Bank, I have called corporate office and once the representatives on the phone realize that they don't have answers for my funds being held up by the bank, the representatives hang up the call. 

This has caused me XXXX, depression, emotional distress, financial burden, and is severely affecting my emotional, mental and physical health. 

I would like to request immediate resolution to my problem as I can no longer handle dealing with the US Bank on this issue as I don't believe it is their intent to release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I had theft of money, pymt was returned on two accounts, company closed three lowering credit score. They would not speak wi my credit counseling co but said I wasnt eligible.

Told me not eligible because acct closed. 
I then asked if they would remove a past due fee and Ill make payment and bring acct. current they refused. I asked how they could help me resolve debt if im on social security and get paid once month. They said unfortunately Nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a loan out with a company for {$2500.00} in XX/XX/2016. I ended up on XXXX, XX/XX/2016 and couldnt pay any more. That company sold my loan to another company called XXXX XXXX XXXX, XXXX. I have tried to call this company on different occasions but just get a recording. I have paid and settled this loan with yet another company that XXXX XXXX sold my loan to for the amount of {$2600.00} in XX/XX/XXXX. Both of these two previous companies are on my credit Report and I have tried to disput this with experience credit reporting agencies and the original creditor and I keep getting the same results. They refuse to acknowledge that the loan has been paid and Report it natively.
Product: Vehicle loan or lease

I took a loan out with Santander in XX/XX/XXXX. I was co-signer to my mother in-law. I had the car until XX/XX/XXXX. I stopped making payments in XX/XX/XXXX. My mother in law past away due to XXXX. I spoke to them three years ago because the amount reported paid on my credit report compared to five years of payments is incorrect. On my report it shows I only paid {$3000.00}. When my payment were {$520.00} I made 58 payments on the account. I paid over {$30000.00} on a {$16000.00} car. ( XXXX XXXX XXXX ). When I spoke to them three years ago they said the repossession would be removed from my credit XX/XX/XXXX. It has not. So my issue is they reported to my credit that I paid 10 % of what I actually paid and that its been 7 years since my last payment and the file is still being reported on my credit. Also in the report it states my last payment to them was XX/XX/XXXX. Which is completely incorrect. It was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the following accounts from my credit report immediately. As of XX/XX/2022 I received an update on my consumer report after a re-investigation I did on Equifax on two accounts ; XXXX XXXX XXXX XXXX and XXXX XXXX. These accounts are still not reporting 100 % accurate on my credit report and I know this because i compared my updated Equifax report to my updated XXXX report and under 15 U.S. Code 1681i ( 5 ) any inaccurate or invalidated credit information reporting to my credit report after a re-investigation the consumer reporting agencies shall delete that item/account. The furnisher had more than 3 times to correct this matter so notifying them will do nothing i need these accounts removed immediately as this has been stopping me from obtaining good credit and also is in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.The debt collector didnt speak to the consumer in person or by phone before furnishing XXXX, transunion and XXXX  credit agencies with negative information on my credit reports. Please provide any and all phone records personal notes of in person communication between debt collector and consumer for record.

2. Debt collector failed to provide a letter or message to the consumer about the debt in violation of his right to respond in a reasonable period of time to receive a notice of delinquency. Please provide any and all written communication for record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Insufficient proof of original debtor when requested after receiving a student loan collection letter from Sallie Mae and I requested the validity of the debt. I also have a private student loan in collections that the balance never changes to be neverending. There's a scam going on in relation to both student loans. The federal student loan was supposed to have been forgiven anyway. I have also a XXXX from XXXX on my credit report and my credit score is a XXXX? A mortgage is in my credit score too somehow. XXXX XXXX XXXXXXXX XXXX XXXX  are the XXXX that has been living in my house by falsifying my multigenerational inheritance transfer from my multigenerational Estate
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

Dear XXXX Staff, My husband, XXXX XXXX opened an account with Coinbase, a crypto exchange based in XXXX XXXX. 

His account is linked to his XXXX email address. 

On XX/XX/2020, the balance of XXXX 's account was {$1700.00} reflecting the value of XXXX UNI ( swaps XXXX in his e-wallet.. 

On XX/XX/XXXX XXXX 's account with Coinbase reflected a XXXX  balance. He had not conducted any transactions and has the screen shots reflecting the XX/XX/XXXX balance of {$1700.00}. 

XXXX submitted an email to Coinbase asking for support and no one has responded. 

He called and no human answers their support line. 

I also sent an email to the XXXX address and received no reply. 

This seems a common complaint against Coinbase and on its own XXXX page there were approx. 600 negative remarks about no customer support, and consumers having lost funds. 

Further, Coinbase states in its FAQs that it is registered with XXXX. XXXX does not do market conduct supervision and I believe this statement misleads consumers, and falsely reassures them that Coinbase is a legitimate enterprise. 

It is my opinion that Coinbase is either grossly negligent in the handling of consumer funds or purposefully engaging in a pattern of fraud/theft. 

I have already complained to XXXX which basically told me to go away. 

I submitted a complaint to the SEC and received no reply. 

Could the XXXX kindly investigate as it appears numerous American consumers have lost money on this site -- further, I would be willing to bet that if you check with the FCA and other financial regulators that they too are receiving complaints from consumers. 

Thanks in advance. 


Regards, XXXX XXXX, XXXX.
Product: Checking or savings account

XXXX at XXXX XXXX an unauthorized charge of {$270.00} to my debit card account of Citi Bank from the XXXX XXXX XXXX located in XXXX XXXX, XXXX. location. 
Citi Bank never resolved this issue refunding me the money my Bank Citi Group, rejected the dispute and I never received the documentation or information related to the disputed amount that they used in the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX # : XXXX Source : XXXXXXXX File Date : Amount : Status Date XXXX XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX XXXX XXXX *** CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS ; XXXX XXXX, XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

Capital One is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Capital One is ignoring. I even contacted Capital One but they advised they sold the account and no longer have control of it. This is for a credit card that had a credit limit of {$300.00} and was opened in XX/XX/2011.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$420.00} XX/XX/XXXX XXXX, IN XXXX {$96.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XXXX XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact XXXX, XXXX and Trans-Union via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from XXXX   and Trans-Union requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that I NEVER requested from XXXX and XXXX ( Trans-Union 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX  XXXX XXXX, XXXX ( XXXX. )
Product: Debt collection

ERC Enhanced Recovery Company had tried to collect {$5300.00} from me in XXXX of 2019. I informed them that this debt didn't belong to me and that I had been a victim of identity theft and if they could provide me any documentation with my signature on it. they removed the account due to no evidence within 30 calendar days from XXXX, XXXX and XXXX. I took a look of my credit reports and seen that they inserted this debt back on my credit reports. I do know that once a debt is removed with the same account number it can not be inserted back on your credit report. But they broke the law by adding this back on my reports and I am wondering how did the 3 credit bureau 's let them do this illegal transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX  XXXX  XXXX account in 2016. I planned on using the account for my brokerage account and did not do much with it. In late 2016 my account was hacked and several charges appeared that were not from me. I was not aware of the charges until receiving a letter from the bank stating the account was closed. Upon checking with the bank I discovered the account closed with a negative balance due to overdraft fees for things like gym memberships that I did not subscribe to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.

Who is going to govern these agencies?

By 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. 

XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Experian XXXX XXXX have violated my rights under 15 USC 1681 Section 602 states I have to right to privacy ( 15 USC 1681 ( Section 604 A Section ( It 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 or other personal consumer reports

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