23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Coinbase offers a service called Coinbase XXXX. It is a prepaid debit card, and I have been using this service for over 6 months. You buy XXXX XXXX with XXXX Dollars to load the card with funds, and when you use the card, it withdraws the funds from the account. I have made 3 different purchased from XXXX for grocery pick in XXXX. Since it is a pick up, XXXX places a temporary hold on the funds until the pick is complete. It takes about 8 days and then the transaction reconciles to final amount of the transaction. I made 3 different XXXX grocery orders in XXXX and all 3 are not finalizing with Coinbase XXXX. The transactions are as follows : XXXX. XX/XX/2023 XXXX - Amount On Hold {$300.00} Actual Final Amount with XXXX {$220.00} XXXX. XX/XX/2023 XXXX - Amount On Hold {$260.00} Actual Final Amount with XXXX {$190.00} XXXX. XX/XX/2023 XXXX - Amount On Hold {$240.00} Actual Final Amount with XXXX {$170.00} There is a total on hold amount of {$800.00} and the final amount is {$590.00}. That is a {$210.00} that needs to returned to me. I have placed 2 different tickets with Coinbase : XXXX. XX/XX/2023 - Ticket number XXXX XXXX. XX/XX/2023 - Ticket number XXXX Not a single response from Coinbase for either ticket. I responded 2 times to the first and 3 times to the second one. No one will answer me. I have called customer service and all they say is that they will put in a ticket and then to wait for a response.
Product: Credit card

On XXXX XXXX i went to XXXX to purchase XXXX shirt that was a total of {$20.00} i paid with XXXX XXXX with my discover credit card, as i left the store i didnt grab the receipt and i got notified in my car that i was charged {$370.00}. I went back to XXXX and confronted the cashier about the error and she has taken back my items and have told me to contact your bank so i left XXXX with nothing but a charge on my account that i didnt approve for. i contacted my bank that same day and they have told me they would look into it, i have found out on Sunday the XXXX of XX/XX/year>, that XXXX provided a receipt to discover showing what items that wasnt purchased from me that totaled up to {$370.00}. I have told discover that i didnt purchase any of these items and they are not investigating into this for me and has continued to charge me for this amount that i didnt approve for. I have made a police report yesterday and have the number case # XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am formally expressing 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 an impossible task and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers like mussels, but allowed repeat offenders to exploit the system we believed we could trust
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus XXXX, Transunion, & XXXX have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent XXXX transunion & XXXX documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to open at fraudulent account at Kikoff lending, it looks like {$24.00} was loaned and never made a payment and my credit score was hit for XXXX points. i noticed all this on my XXXX XXXXXXXX XXXX. Kikoff makes it very difficult to contact them. I reported on XXXX but the dispute remains. ( # XXXX ) I don't know what to do at this point. Kikoff dos n't have a phone number and do not respond to email.
Product: Debt collection

Jefferson Capital systems has called my work phone on multiple occasions. I have answered the phone and told them that the individual they are calling for no longer has this phone number and to stop calling my number. They refuse to stop calling me, I answer and greet them with my work phone greeting and they hang up, and they will not answer when I call back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I asked Citibank to cancel my credit card XXXX as there was a fraudulent transaction from South Carolina where I never visited. Citibank did not cancel this card and several fraudulent transactions were posted from South Carolina in XX/XX/year>. I complained again and I was told that these transactions were valid and I owed Citibank XXXX XXXX XXXX. 
I requested Citibank to cancel this card again, I paid by two separate checks for the exact amounts of the last two valid charges I made on this card and again reported that all the remaining transactions as fraudulent. Citibank did not accept this and reported to the three credit bureaus XXXX, XXXX and XXXX that I was late in payment on this card in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I made several requests in writing and on the phone to Citibank that all these charges are fraudulent and they happened because Citibank did not cancel my credit card. Citibank claimed that their late payment reports to the three credit bureaus is correct.

After again insisting that I never visited South Carolina in my life, Citibank slowly started cancelling the fraudulent charges. After nine months of going back and forth, Citibank admitted that all pending charges are fraudulent and that they actually owe me US {$810.00}. They sent me a check for US {$810.00} and reported to the three credit agencies that my account has been closed with XXXX balance with a write off. 
However they did not with draw the late payment reports made against me for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result my credit score fell from near XXXX to low XXXX and I am not able to get credit due to Citibank 's negligence. I have requested Citibank in writing to rectify their mistake more than thrice but they did not. I want Citibank to clear the wrong reporting they made against me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was recently transferred from XXXX XXXX XXXX to Fay Servicing earlier this month. I was notified by letter dated the XX/XX/15 that I no longer needed my condo insurance policy on my loan but a payment was disbursed from my escrow to the insurer to prevent a lapse in coverage. 

I was directed to call a number XXXX in the letter if I had any questions. The customer service representative I spoke to could not answer how much or whether a escrow payment was made to the insurance company. He wrongly stated that my insurance policy was with XXXX XXXX ( it is with XXXX XXXX ) and could not answer what if any coverage I need to maintain for my loan. XXXX XXXX has no record of any payment being received so far and the policy is in arrears. 

He also could not give me a direct phone number to contact the escrow/insurance department and said that they can only be contacted by fax. I find all this to be unacceptable for a loan servicer.
Product: Mortgage

The Company has refused to remit payment for my insurance claim on the house from XXXXXXXX XXXX XXXX. They with held my funds to repair my house. So I have not made a payment while they hold my funds from my insurance company. They have all requested information to release funds for myself to make the repairs. They are now also asking for me to pay for an inspector which I refuse to do to receive the money my insurance has already paid out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Git an email that I have hard inquiry on my report as of XXXX XXXX. And that was not me. I need help Who tried to go to capital one asks XXXX XXXX. Can you please halo me. And XXXX $ in music from XXXX XXXX XXXX XXXX. XXXX  still active as of XX/XX/XXXX I tried to dispute it. Cause I never bought music fur that much.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$5000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) You have 100 % left to pay on this student loan. 

US DEPT OF EDUCATION Balance {$6900.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$6800.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$11000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$4500.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$5700.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$5700.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$5100.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$7000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$8200.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX {$750.00} Balance {$750.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) XXXX XXXX Balance {$250.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Balance {$3500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$260.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX  Balance {$310.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to purchase a new vehicle and was denied due to XXXX XXXX reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.
Product: Debt collection

I received a phone call from XXXX XXXX XXXX XXXX  on XX/XX/XXXX informing me that I owed a debt on a credit card from XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. XXXX e-mailed me a letter that gave me the original account number for the account and their representative gave me HSBC banks phone number. I called the bank and was told that account has never existed. When I called XXXX back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money.

As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.
Product: Money transfer, virtual currency, or money service

I have been trying to get my money out of Skrill account since XXXX XXXX. They restricted my account as soon as I tried to transfer money out. I have been verified as well as my checking account I have called and emailed several different times. I've lost my truck due to not being able to make my payment because of these people. I don't understand why they haven't been shut down most of their reviews are stories like mine. And you just lose your money .well my money is to hard to come by I will not give up .please help me in getting my money released
Product: Credit reporting or other personal consumer reports

AMEX, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by AMEX and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. AMEX and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. AMEX and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. AMEX and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act 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 and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in XXXX  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 reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as 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 XXXX  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 XXXX  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!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY I APPLIED FOR XXXX XXXX CONTINENTAL FINANCE AND XXXX XXXX  XXXX PULLED XXXX IN AN EFFORTS TO JUSTIFY HIGHER RATE WITH NOTIFYIM=NG CONSUMER.REF XXXX
Product: Credit reporting or other personal consumer reports

TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Title 15 U.S.C 1681 FCRA Need these inquiries Removed ASAP in 15 Days and a credit report. Federal Law States that you have 30 days to complete your re investigation. Be advised that the description of the procedure used to determine the accuracy and completion is 15 days
Product: Debt collection

On XX/XX/XXXX, I got a letter from TRS saying they bought a debt of mine that was not a valid debt, as can be seen in the attached file, the bank returned the money to the merchant, I right away provided the information via their website, and never heard back. On XX/XX/XXXX they sent me a follow up, I called on XX/XX/XXXX and they told me the dept that handles paid debts is not reachable and I should just wait for them.
Product: Vehicle loan or lease

On XX/XX/2021 I contacted Hyundai Motor America regarding billing. I asked for a deferment for the month of XXXX. I was informed they needed to process the application. 

The application was approved and I needed to sign documents which was esigned on XX/XX/2021. 

Today XX/XX/2021 I receive a call from Hyundai Motor America stating this is an attempt to collect a debt. I informed the agent I signed the documents and was told my next payment would be XX/XX/2021. 

I have a copy of the documents and now they saying it has been denied because they did not receive the paperwork on time. This is false because I did everything with the agent while she was on the phone. This is a violation on behalf of the company because they never contacted via mail, email or phone to inform me the application was denied. If the Agent would not have called me to state she was attempting to collect a debt which is not even 30 days late I would have never known about this issue.