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

I have a Coinbase Card, which I used to purchase 1 night at a hotel. However, I cancelled this order with the hotel and they processed a refund. But the refund never got credited to my Coinbase Card balance. Here is a summary of events : 1 ) I cancelled a transaction with a hotel on XX/XX/XXXX. The amount was {$170.00}.

2 ) After several weeks, no refund. I contacted the hotel and they said it could take 6 weeks or 2 months to receive refund.

3 ) After 2 months of waiting, I contacted Coinbase about refund. Case number # XXXX on XX/XX/XXXX. 
4 ) They replied that transaction was reversed on XX/XX/XXXX and that will be credited to my account as USD. 
5 ) I saw no record of the refund, so I contacted again and was advised to call XXXX ( XXXX ) XXXX and speak with " XXXX ''. 
6 ) I called on XX/XX/XXXX and she said that this issue was already escalated by me on XX/XX/XXXX ( I had never contacted Coinbase about this issue before XXXX, so I don't know where that came from ). 
7 ) XXXX said I must wait another 90 days ( from " escalation date '' of XX/XX/XXXX, or from now ... it's ambiguous ) for the money to be credited to my account. She did not have great English skill, and went for long pauses ( 30-seconds plus ) without saying anything. 
8 ) I contacted them again on XX/XX/XXXX and still have not received any kind of meaningful assistance.
Product: Credit reporting or other personal consumer reports

Consumer has requested several times for Equifax to remove XXXX XXXX account from consumer report. They're in violation of FCRA, FDCPA, CCPA, IRS and ECOA. This account XXXX XXXX XXXX # XXXX is illegally listed on consumer report. This account is being reported with a balance as a closed charge off. According to the IRS Publication these cancelled debt is to be considered income. Equifax continues to list this multiple time disputed account as a negative account reported as debt owed. The consumer must balance it's books with the IRS correctly by claiming this account as income but it is in conflict with how Equifax is reporting my book keeping records. Income is not reported on consumer credit report, therefore this income considered account must be deleted immediately. CFPB must fulfill its duties and obligations by demanding the consumer reporting agencies not only investigate according to 15 USC 1681a ( e ) meaning of investigative report but also 15 U.S. Code 1681b - Permissible purposes of consumer reports-any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. CONSUMER DOES NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY DISPUTED, NEGATIVE, WRONGFUL, OR ILLEGAL INFORMATION. also Under 15 USC 1681a ( d ) 2 the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under California Consumer Privacy Act- Consumer have the right to have Equifax penalized {$2500.00} or {$7500.00} per violation.
Product: Credit reporting or other personal consumer reports

Despite making these attempts to address these discrepancies, the fraudulent items remain on my account, causing significant distress and inconvenience. The persistence of these fraudulent items on my account is adversely affecting my financial standing and trust in your services. I urgently request a comprehensive review of my case and an immediate resolution. Specifically, I am requesting : A thorough investigation into the repeated failures to remove the fraudulent items. 
Clear communication regarding the steps that will be taken to correct the account. 
A timeline for when I can expect the fraudulent items to be fully removed. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. Please help me remove these items immediately : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an item online. I selected afterpay. I received a credit inquiry and loan of XXXX dollars from Affirm. I did not authorize this loan. I had no intentions of receiving a loan. I only attempted to split the payments. I reached out to Affirm to request the loan and inquiry be removed. I was denied. I have received a loan from Affirm in the past and I was made aware I would be receiving a loan and the correct steps were followed in the past. This time, Affirm violated my rights and gave me a loan I did not request. I have a inquiry on my credit without my knowledge for a XXXX dollar loan.
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, 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 DDUpon 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 XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV  {$890.00} MIN {$39.00} {$100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$750.00} MIN {$39.00} {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

Mr. Cooper had a breach to their system. It was back up and running and all payments were processed for XXXX. Trying to access my account with account #, social, on app, website, and phone and my account can not be located through any of these. Can not reach a person to even confirm if my account exists. I pulled out original loan documents and have entered all correct information and every means of communication says my account does not exist. Im concerned their system has been breached and there has never been a follow up to me as a customer from the original breach to let me know if my personal information was compromised. Disappointing to say the least. My immediate concern is the fact that my account does not seem to exist.
Product: Checking or savings account

I have been reaching to skrill for over 2 months now and I still cant access my account or transfer the funds in it
Product: Money transfer, virtual currency, or money service

I noticed a fraudulent bank account under my name and it shows deposits made from coinbase inc on XXXX which I was not made aware of till XXXX. At that time I did not have a coinbase account. I did open one on XXXX but I do not have full access to it as of yet because of another account possibly open under my name which is fraud. There is no way to file my complaint or gain access to any info with coinbase inc. I am here now to get answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX  XXXX Balance : {$17000.00} XXXXXXXX XXXX  XXXX Balance : {$8200.00} XXXXXXXX XXXX XXXX Balance : {$1400.00}
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 or other personal consumer reports

Avant acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. Avant has verified that they don't have no contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. ( See Attached ) For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. They are reporting to the credit Bureaus without my consent. Also Avant, XXXX, XXXX has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself.
Product: Credit reporting or other personal consumer reports

I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of this account. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the account listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I mailed a check number XXXX on XX/XX/year> for my CITI credit card, XXXX against my XXXX XXXX checking account. When I reviewed my banks XXXX statement my payment of {$680.00} was not posted. I called CITI and first checked the auto attendant balance and it wasn't posted. I then held for a real person and was basically told there was nothing they could do. This is the XXXX time in XXXX years and the XXXX time in about 6 months this has happened, all thru CITI bank. I've XXXX chase cards used monthly and have never had an issue. I have XXXX XXXX cards and never had an issue. Only thru Citi. The last time this occurred I had to go to my bank and put a stop payment on that check and then several months later I get a notice that the check was attempted to be processed but bounced because of the stop payment, which was the intent. CITI bank has a processing issue with paper checks, and it's not the post office that's at fault here. I'll say it again CITI bank has been dirty ever since XXXX XXXX ran the company. Now again I have to complain to get the late fees dropped, & put a stop payment with my bank and try to get someone at CITI to take a different payment. I'm going to complain to XXXX as I never had an issue with XXXX XXXX.
Product: Checking or savings account

On XX/XX/2021 I elected to close my Heath Care Savings Account ( HSA ) with Optum Bank. The account with Optum was established when I was working with a former employer. 

I wanted to move the funds to XXXX XXXX where I currently have an HSA account. 

To start the process, I called Optum Bank and ask for directions and they told me to contact the XXXX XXXX and start the process. 

XXXX XXXX contacted me today about the transfer and I learned that the process has not been completed. 

Calls were made ( three ) to Optum Bank to determine what the issue ( s ) were and I learned that the paperwork was not received, XXXX XXXX sent the paperwork over within a few days of receiving my competed paperwork. 

I then reached out to XXXX with the fax number and an Email to resubmit the paperwork.
Product: Debt collection

XXXX XXXX did not bill correctly. I have double coverage and they only billed primary insurance and not the secondary. Contacted them multiply times to correct and they said they would correct it. But, now they sent me to a debt collector. I contacted them to explain that XXXX did not bill correctly. They were rude and stated to contact XXXX, because the bill is XXXX years old now and the insurance won't do anything about it. The surgery was XXXX, billed XXXX, primary covered XXXX leaving a remaining balance of XXXX. Tried to explain this to H & R Accounts, Inc but XXXX  the agent that spoke to me said its my problem.
Product: Debt collection

XXXX XXXX XXXX sent a debt of {$470.00} to Balekian Hayes , PLLC. in XXXX of XXXX. Balekian Hayes , PLLC used XXXX XXXX for debt collection. 
I paid this debt in full ( {$470.00} XXXX in XXXX of XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XXXX XXXX and I sent proof of payment XXXX bank statement copy ) in writing in XXXX of XXXX. In XXXX of XXXX, I received a call from XXXX XXXX XXXX XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt. 

My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XXXX.
Product: Checking or savings account

I filed a claim With chase over a atm withdrawal of XXXX dollars on XX/XX/2022. My claim number was XXXX have proof as well another atm transaction of XXXX on Friday XX/XX/1241 am was tried. And I replied no at XXXX am. Who was at the bank at XXXX am trying to use the atm there was no duplicate card. No one has my card but me I was home sleeping at that hour with my debit card in my wallet.
Product: Money transfer, virtual currency, or money service

I am filing a report against Cash App due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and Im seeking appropriate action for these violations.
Product: Debt collection

Asset recovery calling saying i am under an investigation and the gentleman is a special investigator. They do not give what company or debt this is. They call and harrass my XXXX year old mother and call my job
Product: Checking or savings account

XXXX XXXX has been a nightmare for me and my family. She is unwilling to help me and does not do her job as a member of your team on my behalf! I was going to deposit a couple of XXXX dollars in b of a but not I will be closing my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$17000.00}.
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX, AND XXXX have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Product: Mortgage

I applied with 21st mortgage for a loan on a repossessed doublewide mobile home. They are demanding 20 % down because I am XXXX  years old. 21st 's mortgage underwriter named XXXX told XXXX XXXX at XXXX XXXX XXXX XXXX that it was because of my age. XXXX XXXX XXXX XXXX says that they have got other people with my qualifications a loan through 21st with 10 % down with no problem.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing 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 ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$91.00}. Please remove.