23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off debt in total to Target National Bank approximately 7 years ago. I never heard anything more from Target National Bank. 
Received a Form 1099C this year, indicating that the debt had been cancelled and that I had to claim as income on my taxes. 
Contacted them to correct this error. I have not received a reply by mail or phone and tax filing date is a month away.
Product: Credit reporting or other personal consumer reports

Inquiries are on my credit without permissible purpose remove these immediately XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX. Inquired twice on this date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired twice this day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts.Thank you. 
XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXXXXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN
Product: Checking or savings account

I am writing to submit a formal complaint regarding unresolved issues with my Coinbase account, detailed in case reference # XXXX. Despite multiple communications and assurances of resolution, my concerns remain unaddressed, leading to significant inconvenience and potential financial loss. 

Summary of the Issue : I have been unable to withdraw funds from my Coinbase account since XX/XX/2024, due to an error that prevents cashing out. Despite repeated attempts to resolve this through customer support, the problem persists, and my case was erroneously marked as closed without any resolution. Further, on XX/XX/XXXX, I was informed that my account would be closed, yet restrictions have been placed on my ability to transfer my balance, effectively locking my funds. 

Details of Interaction with Coinbase Support : XX/XX/2024 : Attempted to cash out funds; received an error message. 
XX/XX/2024 : Contacted Coinbase support; was told the issue was being addressed. 
XX/XX/2024 : Informed that my account would be closed but was still unable to withdraw or transfer my funds adequately. 
Coinbase has disabled selling, buying, and receiving crypto in my account and has now decided to close it. While I have been advised to transfer my cryptocurrency balance to an external address, this solution is impractical without the ability to convert to a more stable currency like USDC, as initially all funds were added in USD. 

This situation is unacceptable and potentially violates my rights as a consumer by restricting access to my own financial assets without clear justification or resolution. The total amount of the funds being held by Coinbase is about XXXX USD I urge the Consumer Financial Protection Bureau to intervene on my behalf to investigate the handling of my case by Coinbase. 

Thank you for your attention to this urgent matter. I am prepared to provide any further information required as part of this complaint process.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

I have XXXX XXXX protection against balance billing. XXXX   means qualified XXXX beneficiary for low incomes. If the provider accepts XXXX they, by law, accept XXXX. After XXXX pays, XXXX pays the rest of the bill per XXXX standards of payments for the service. The fact that the provider doesnt accept XXXX is meaningless. Both XXXX and XXXX paid.I dont have full XXXX. XXXX only pays what XXXX does not so XXXX paying a XXXX  bill is a XXXX protection payment not a XXXX payment. I told XXXX XXXX that XXXX paying as a XXXX supplement doesnt mean I have XXXX. It just means XXXX is part of a XXXX  ( XXXX XXXX XXXX ) and  acting as a XXXX protection, XXXX will call both of XXXX and XXXX XXXX. It is illegal to balance bill a XXXX  and against Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

CB indigo is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.
Product: Checking or savings account

My father passed away in 2018. He had a XXXX  Checking account with TCF. Recently my mother received a letter addressed to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX letting them know that TCF has become Huntington. Mom was just placed in XXXX XXXX XXXX XXXX and is under hospice care. I went to the local Huntington branch with my fathers death certificate and my mothers XXXXXXXX XXXX XXXX  to close out the account which is approximately {$2100.00}. They informed me that the money would have to go through probate because they didnt show my mom on the account. I contacted Huntingtons main office and was transferred to their probate unit. Their only advice was to contact an attorney because they didnt know Minnesota law. What are my opinions at this point? I thought a husbands property transferred to his spouse without having to go through probate in Minnesota.
Product: Credit card

I had a transaction with a merchant that we were not able to resolve, so I filled a dispute with my XXXX XXXX XXXX card in which the charge was originally authorized. XXXX XXXX after receiving all my information determined that the merchant should reimburse me and credited my account and closed the matter for the amount in dispute. A few months later, XXXX XXXX closed my account due to the fact XXXX was moving to Visa. I have a new account now with Visa/Citi bank and the disputed amount is now appearing on my statement as a new charge. I called Citi to let them know that I did not authorize this transaction on my card and that this was a fraudulent charge due to the fact it was not authorized on my account by me. They are refusing to credit the charge because of what they say is carried forward business from XXXX XXXX and that XXXX XXXX is authorizing the charge due to the fact they ca n't get reimbursed by the merchant. These are two separate accounts and XXXX XXXX after resolving the issue has no business being able to authorize a new charge on my card on a matter that was credited and closed by them and trying to get made whole by charging my new account with Citi to get their money. This is 100 % fraud and no one at Citi after hours on the phone is willing to do anything about the fraudulent charges. Please help!!!
Product: Credit card or prepaid card

Good morning, As I explained in a fax ( sent on XX/XX/XXXX to the collecting company : XXXX XXXX because of the purchase of some XXXX  made on Saturday XX/XX/XXXX at the JCPenney stores, it was not made by me. In other words, I didn't buy anything that day at these stores.

According to the details, the purchase was made with a JCPenney credit card, but I don't have a credit card with them, so I couldn't pay using their card. 
I have never received a card from this company since I reside in New Mexico. Therefore, it is possible that someone used my identity to make me pay for this purchase. 

I reiterate that I have never had a JCPenney credit card. The last purchase I made in these stores was on XX/XX/2019 for {$38.00} and I paid for it with the only credit card I had at the time ( XXXX  ). The purchase on Saturday XX/XX/XXXX is a ghost purchase. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

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, credit repair services, or other personal consumer reports

ive been calling equifax and XXXX to remove hard inquiries from my report. my social security number and other information was stolen in around XXXX XXXXXXXX the credit bureaus refuse to remove the hard inquiries i have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX 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.
Product: Debt collection

This company has no legal right to collect any debt they are claiming. They have left harassing phone calls and called from a block number stating that they would ruin my credit and sue me, and attach my XXXX pay
Product: Checking or savings account

I recently had a hotel stay in XXXX XXXX a temporary hold was placed on my card for the amount of {$150.00} on XX/XX/year> I subsequently ended my stay and on XX/XX/year> the Hotel released {$130.00} back to my card, I provided all the information to the card company ( cashapp ) and I waited the appropriate 7 days and the ( cashapp ) refuses to release the money saying that It will be released after 30 days ... I have attempted several times to reason with cashapp and I am being stone-walled, saying there is nothing that they can do when the funds have clearly been released and the hotel has done everything that is possible to release the funds back, I do believe cash app is keeping the funds to gain interest and not making them available to me the consumer the one who put the funds there. I need help
Product: Money transfer, virtual currency, or money service

I sent a deposit of {$3000.00} and {$2000.00} on XX/XX/XXXX from my bank to the company ( Coinbase ).  After a couple transactions ( buys, sells, withdrawals, and deposits ), I was left with a total of {$6200.00} in my account ( XXXX XXXX ) onXX/XX/XXXX. I then tried to withdraw some of my money, however I received a message saying " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''. I emailed the support team about this, due to the fact that I was able to do transactions freely before. I sent the support team 3 emails on ( XXXX XXXX, and XXXX ), all with messages relating to my problem ( system wo n't accept the additional information needed, why ca n't I withdraw from my account, etc. ). These emails were sent 13, 11, and 9 days ago. I have not received any helpful responses ( just really general automated responses ), thus I can not withdraw the money I deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with XXXX placing an unauthorized fraud alert on my credit report and sending the same request to XXXX and Experian. After my last letter, my XXXX scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.
Product: Vehicle loan or lease

XXXX XXXX, I contacted XXXX and was approved for a $ XXXX loan. I selected XXXX XXXX XXXX. XXXX XXXX ( salesperson ) said the car will be delivered within 14 days. 

- XX/XX/XXXX, I received a bill ( Chase ) for a payment due on XX/XX/XXXX. Why am getting charge and I did not receive the car? I contacted XXXX, a representative said, they will contact me within 48 hours. No response within 48 hours. 

- XX/XX/XXXX, the car was delivered. The driver has a language barrier ( Portuguese only ) so I had to go to the XXXX dealership to get instructions about the vehicle. 

-XXXX XXXX, I contacted XXXX XXXX Tier 2 rep said, someone, will contact me with 48 hours regarding the concerns listed below. 

1. I am getting a finance charge a finance fee since XX/XX/XXXX per Chase bank. 

2. The hybrid battery is dying quickly. 

3. Upon delivery, the car was very dirty ( inside & outside ) cracked in the front windshield -As of XX/XX/XXXX, I am still waiting on a response.
Product: Checking or savings account

My Affirm XXXX  account ( account number : XXXX ) had been under fraudulent attack, Affirm partners with XXXX XXXX XXXX for the XXXX  accounts. The fraudster withdrew my original {$200.00} from my Affirm XXXX account and the fraudster also withdrew XXXX {$1000.00} transactions from my XXXX account ( account number : XXXX ) which is linked to my Affirm XXXX account. The 2 {$1000.00} withdrawals happened at different times around XXXX days difference. 

I contacted Affirm immediately when I noticed these transactions and Affirm responded that they would need time to investigate, and I requested that while Affirm is doing the investigation, can Affirm at least put a restriction or hold on my account to prevent the fraudster from doing any future actions, Affirm refused this request. 

Since Affirm refused to take any action on my account, I decided to contact XXXX, but when I tried to call XXXX, it was already out of the XXXX fraud claim team 's office hours, so I decided to call XXXX the next day. But at night before I contacted XXXX and before I knew XXXX could reverse all the fraudulent transactions, I noticed that XXXX of the {$1000.00} fraudulent withdraws ( here is the withdrawal from XXXX and deposit to Affirm XXXX account ) had arrived at my Affirm account, and this made my Affirm total balance of {$1000.00}, the {$1.00} was the left over of the fraudster. At that moment, I didn't know XXXX could make up for my loss and also, I believe the fraudster also took action at any minute, I decided to withdraw this {$1000.00} back to my XXXX account myself, because I had no choice, because at that time, if I did not withdraw, the fraudster would. And again, this withdrawal also needed to take XXXX days to arrive at my XXXX account, it did not arrive instantly. 

The next day I contacted XXXX and reported all the fraudulent transactions in my checking account, beyond my expectations ( because I think these fraud actions did not happen to my XXXX account directly, XXXX might not have the responsibility ), XXXX agreed to reverse the XXXX {$1000.00} transactions for me ( plus another {$1300.00} fraudulent withdraw in my Affirm XXXX account ). At that time, there was no way I could report this {$1000.00} deposit made by myself to XXXX because it had not arrived at my XXXX account yet, and at my Affirm XXXX account I could not cancel it because it showed as 'pending '. 

After I saw XXXX reversed my transactions for me, I decided to contact Affirm to cancel the doubled transactions made by me and noticed that my Affirm money account was closed and I could not take any action. At the same time, Affirm and its partner XXXX XXXX XXXX made the wrong statement to XXXX to report my Affirm XXXX  account and my XXXX account as fraudulent accounts and caused XXXX to close my XXXX  account, and XXXX XXXX XXXX Charged off the {$1000.00} overdraft in my Affirm XXXX account. Moreover, there is also no way for me to claim my actual fraud loss of {$200.00} anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX Credit card Acct # XXXX, which was opened XX/XX/XXXX without my permission claims the card was closed At Credit Grantor 's request : This is not accurate, when I found out about this card, I paid the small balance off and request the account be closed. Therefore the statement should say Account closed at consumers request Further, the account was never late in XXXX, XXXX, XXXX, XX/XX/2020. Please correct these details. 

Also There is a XX/XX/XXXX XXXX XXXX account, the Original Creditor is XXXX XXXX XXXX. XXXX XXXX XXXX billed me for services that were not performed. I am requesting the accounting of this debt from XXXX XXXX XXXX. I went into this location and was informed they could not treat me, so how am I being billed {$290.00}, when no services were performed or provided? 
Please remove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/2021 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX XXXX XXXX Credit Card  XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) XXXX XXXX XXXX and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. XXXX  clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have XXXX calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. Mental Anguish XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n  ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and /NEW AMERICAN FUNDING pulled my credit twice with out my permission, they pulled it on XX/XX/2019 and then pulled it again on XX/XX/2019 which should have no affect on my credit score, XXXX XXXX and new american funding came back with a false reading they stated my XXXX  was at a XXXX and my XXXX  was at XXXX and my XXXX  came back as a XXXX, which is a big discrepancy, as of XX/XX/2019 XXXX XXXX stated my XXXX  is XXXX and my XXXX  is XXXX and my XXXX  at XXXX. I want XXXX XXXX to remove the hard inquiry on XX/XX/2019, and XX/XX/2019 I Okayed XX/XX/2019 but not the XX/XX/2019, they was to look at my credit report for positive changes. and to be honest when they pulled my credit on XX/XX/2019 it was a big descrepency from what XXXX XXXX was reporting as well, this is not right, this is not just, this is poor lending practices, again XXXX XXXX and new american funding is not reporting credit score correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXXXXXX XXXX XXXXXX/XX/2023 Inquiry from XXXX Bank XX/XX/2023 Inquiry from XXXX XXXX XX/XX/XXXX Inquiry from XXXX Bank XX/XX/2023 Inquiry from XXXX XXXX XXXXXX/XX/XXXX These are all inquiries I have no knowledge of and did not make. Please help me to remove from my credit report