23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. XXXX, XXXX, and Equifax have not responded to my disputes and requests for the account to be removed off my credit report.
Product: Money transfer, virtual currency, or money service

I transferred money from my credit Karma XXXX money account to my closed XXXX bank debit card on accident in XXXX. I called and asked for a dispute because the my XXXX Bank account has been closed since XXXX Credit Karma stated that they called the merchant and verified they received the money. I asked for documentation of what merchant they called and the tracking number they used to state they received the money and Credit Karma was not able to provide any of that information. I called XXXX bank and they stated they never received the funds because the account has been closed since XXXX. They told me that the funds would be returned back to Credit Karma.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Agency ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Mortgage

I'd like to report fraudulent practices that wells fargo mortgage agent, XXXX XXXX ( XXXX XXXX ), did with us. She told us to lock rate because it was low on a given day and promised us a rate and point level that she can get for us. So we gave her a go-ahead. However, when we got the agreement letter, the rate there was much higher than what XXXX XXXX promised us over the phone. She also promised us we will get a free -relock if the rate went lower which didn't happen either as it's against wells fargo 's firm policy to waive the relock fee.

She mis-led us by making up rate information and offering " sweetener '' that never existed in order to entice customer business. Among my other friends, quite a few of them had similar experience with her and her fraudulent behaviors have been dismissed by her branch manager consistently because she brings in revenue. It is clear that systematic fraudulent practices and misconducts have been happening at her branch for a long time. I am here to request an open investigation into the branch where XXXX XXXX belongs. 

Thank you for you attention. 

XXXX XXXX
Product: Debt collection

Due to a class action lawsuit with the original creditor XXXX this was deleted from my credit report with a promise to give the car back. Months it was sold to a debt collector NCB management and returned on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

File Number : XXXX Date Issued : XX/XX/XXXX TransUnion refused to remove all UNAUTHORIZED CREDIT INQUIRIES! 
I have been in contact over the past 4 months and TransUnion keep turning me away.TransUnion will not do there job!!! 
INQUIRIES # 1 : XXXX XXXX- XX/XX/XXXX 2 : XXXX XXXX- XX/XX/XXXX 3 : XXXX XXXX- XX/XX/XXXX 4 : XXXX- XX/XX/XXXX 5 : XXXX- XX/XX/XXXX 6 : XXXX XXXX-XX/XX/XXXX 7 : XXXX- XX/XX/XXXX 8 : XXXX XXXX- XX/XX/XXXX 9 : XXXX XXXX XXXX- XX/XX/XXXX 10 :  XXXX XXXX- XX/XX/XXXX 11 : XXXX- XX/XX/XXXX 12 : XXXX- XX/XX/XXXX 13 : XXXX   XXXX.-XX/XX/XXXX 14 : XXXX XXXX- XX/XX/XXXX 15 : XXXX XXXX- XX/XX/XXXX 16 : XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that is not reporting accurately. I have XXXX late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. I have attached a copy of my report showing the number of inaccuracies regarding this account. How is it that I am late 30 days on XXXX and XXXX in XX/XX/2023 but paid on time with Equifax. Same thing with Equifax showing 30 days late in XX/XX/2023 but paid on time with XXXX and XXXX.I have sent letters to the bureaus advising of this inaccuracy with no response or notes updated on my account. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$88.00}. I have no knowledge of this account and received no notification of this debt. I have requested receipts and confirmation of this debt and notification via certified mail of this debt and have not received. I demand this be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

Our home was financed through Wells Fargo in 2011 and several charges were accessed to our account including sell our account to a third party. We have since sold the home and no longer have an account with Wells Fargo.
Product: Money transfer, virtual currency, or money service

On more than one occasion, I have tried to contact Coinbase in regard to a currency in my portfolio named XXXX. Without my knowledge or consent, the currency was converted into XXXX XXXX by doing so, this locked the currency in a process called " staking '', which renders me incapable of attaining my funds. After being presented with the above issue, Coinbase denied the fact that the currency conversion was done on their behalf and that I had to have done it. I even requested that my account be liquidated and returned to the payment used to no avail. Eventually on XX/XX/2021, Coinbase sent an email to me regarding the situation, and it goes as follows, " Hi XXXX, Your Coinbase account contains XXXX which is currently restricted in the state or country in which you reside. As a result, your XXXX has been restricted from access in your account. In order for you to move your XX_Name_of_Asset_XX out of your Coinbase account, we will need to temporarily restrict your account from buying and selling so you can move the crypto offsite Please reply to this email with your permission to temporarily restrict your account from buying and selling so you can move your XXXX asset offsite. After we have your expressed permission and are able to temporarily restrict your account, you will be able to move the asset. After the XXXX is moved from your account, we will remove all restrictions so you can return to normal activity within your account. 
Thank you in advance for providing us with this information. '' After reading this, I immediately followed up by giving the permissions requested. my reply goes as follows, " I XXXX XXXX, give consent to the temporary restriction referenced in your email, giving me the ability to move my XXXX off site. I'm aware that after this I will be able to resume normal capabilities within the application and site. '' After this short-lived correspondence, Coinbase never followed through with their promise. I even recieved an email stating that the " Investigation/inquiry '' was closed. A follow up email was sent asking if my issue was resolved, to which I answered " No. '' During the elapsed time of my multiple correspondence with Coinbase, my portfolio has lost almost fifty percent in value, and I blame this on the fact that I wasn't able to access the currency ( XXXX ) listed above and convert it to another less volatile currency. Coinbase in my opinion is responsible for the loss of said XXXXo value due to the fact that they did not follow through with their promise to facilitate the process that would allow me to move my currency offsite and swap it for another digital currency. 

The case number involved in this matter is XXXX # XXXX
Product: Vehicle loan or lease

My car was repossessed for being late on the car payment by Westlake Services , LLC and Wilshire Consumer Credit , LLC. I have tried to work with the finance company but for some reason, they keep changing what I have to pay in order to get my car back. They sent me an email stating how much my amount is to pay to get my car back. However, when I called to make the payment they stated that I had to pay the total loan off. They are charging me a XXXX  % interest rate on the loan which exceeds the highest rate that can be charged in the state of California which is XXXX  %. This company has been sued for illegal debt-collection tactics on a number of occasions and was ordered to stop this type of loan tactic by the Consumer Federal Protection Bureau ( CFPB ).
Product: Money transfer, virtual currency, or money service

To CFPB bureau. 
My name is XXXX XXXX Address : XXXX Phone number ( XXXX ) XXXX As a Victim of the untrustworthy crytpo currency trading service of COINBASE Website https : //www.coinbase.com Mailing Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Ive been using the Coinbase app to start doing some business regarding to crypto currency trading. 

At first the holding fund status of my account is 18 days ( too long??? Fraud??? ) instead of 5-7 days like what written is terms and conditions on their website. 
And I am not the only one ... .... 
Lately I found out there were targeting specificly US customers Search on google I found out there was thousands thousands of complaining about COINBASE BEING ROUGE, empty customers banks with hidden fees charge, using incorrect exchange rates, holding fund for 1-3 months to stealing our hard work money, causing frustration and return our emails with the same methods were working on it please be patient. 
To me its like were stealing your money in front of your nose, so what! 
I have {$490.00} crytos in my account with coinbase. 
Later on I did the calculations with all of my transaction and found out I lost merely {$60.00}! Which is impossible 1/Every {$100.00} trading into XXXX XXXX I lost {$27.00} not {$3.00} like they said I did at least 32 transactions from $ XXXX {$3000.00} each Time the amount Never match EVEN I INCLUDED THE TAX and THEIR SERVICE FEES. 
the difference around 7-17 % consider how much they scam from people. 
1/ holding for 18 days, they said to prevent fraud, however they took the money from my bank a second they received the order. 
And release them whenever they like? 
18 days for me, some folks got 2 months This is an act of criminal, agains customer free will Acting like a big guy with the cryto fakes Please, take a look of my complain letter, do the investigation, return justice to the US citizens. 
LET MAKE SURE COINBASE IS PURNISH. Their company deserve jails, and I know they rich enough to pay for every fees. 
Lets game on Best regard
Product: Credit reporting or other personal consumer reports

I sent an affidavit to Experian, XXXX, and XXXX concerning late payments. My letter was certified, notarized and I attached pictures of my ID, and social security and they refuse to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a closed account. It was paid in full and should show in good standing and paid off. This account WAS NOT charged off. It was paid in full and closed. 
However, the reporting date is showing XX/XX/XXXX and it should be XX/XX/XXXX. The date shouldn't have changed at all and this is affecting my credit age. Please correct this information.
Product: Credit reporting or other personal consumer reports

I CONTACTED THE CREDITORS ADVISING THAT THIS ACCOUNT IS FRAUDULENT THEY HAVE NOT ACTIONED MY ACCOUNT AS REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

opened an account on XXXX XXXX with XXXX XXXX the clothing store and made a purchase. I bought two items and the total amount was {$55.00}. 
I bank online and I made sure the payment was delivered on time and for the right amount. The records on my bank confirmed that the payment was delivered on time and for the full amount of {$55.00} on XX/XX/XXXX. I paid for what I purchase and I paid it on TIME. 
Later, I received a late payment statement saying that my payment was late. I called XXXX to asked about the mistake and they were not helpful at all. The only suggestion was to pay the late fee and investigate later. I paid the late fee on XX/XX/XXXX. They kept sending late statements. I sent a letter to XXXX with copies of the checks from the bank and I didn't get a response. Also, I sent a letter to XXXX XXXX with copies of the checks too. 
Now, XX/XX/XXXX I received a letter from McCarthy, Burgess & Wolff stating they are attempting to collect {$300.00} McCarthy , Burgess & Wolff called early XXXX and I also explained the above statements, they do not care. They want to collect the money. 
The worst part is that my credit score is going to come down and I paid my bills on time, I paid what I owe. I am responsible, honest and dependable person. 
And this infuriating, fraudulent business. 
Thank you.
Product: Mortgage

We sent the alleged XXXX Clear Recon Corp ( CRC ) a request to investigate the documents in person and they have failed to reply. We sent them the attached Subpoena and they have not responded. Please help us obtain the documentation requested in order to inspect it properly.
Product: Debt collection

Portfolio Recovery has shared my personal illegally with the scam company XXXX XXXX without notifying me of selling my information. XXXX XXXX has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched XXXX XXXX in my state and they don't even have a collection license. Portfolio Recovery has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to Portfolio Recovery. What kind of racquet are they running? Create a strawman, make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like XXXX XXXX which has a website with no information that could've been made by a XXXX year old. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.
Product: Credit card or prepaid card

I have a mastercard from Sears ( SYW ). This company offered a promotional balance transfer for the transactions of {$500.00} and over would be paid within next 12 months after the purchase date. I made few purchases over {$500.00} in the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. They have charged me twice the amount of charge meaning once they added that amount into current balance as well parsed that amount for payment over 12 months. This's called 'double dipping ', I called multiple times, agent do understand my point but unable to help fix fraudulent charges made by credit card company. They would always hang up and disconnect the call. Now I think it's useless to call them anymore. May I seek your attention to get it fixed while imposing any penalty for this fraud committed throughout the nation. Should this case be referred to courts, may I seek competent attorney who can help resolve this issue?
Product: Debt collection

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days.
Product: Debt collection

I was sent to collections on XX/XX/2018 for an account that was fraudulently opened. I recently learned I am a victim of identity theft. I tried resolving this last year and they refused to remove it.
Product: Debt collection

I do owe the following debt collectors ( XXXX XXXX, XXXX XXXX ) nor was I ever contractual obligated to them. Once a debt has been bought, paid and/ or charged off, then it's no longer a debt, it's been sold and paid for. And with any contacts once the contract been sold, the original contract becomes void.
Product: Debt collection

The undersigned, XXXX XXXX, is being named Defendant in a wrongful foreclosure lawsuit against him brought in the name Bank of New York Mellon ( no address was provided ) allegedly as Trustee on behalf of unidentified purchasers of so-called mortgage pass-through certificates, series XXXX, of a non-existent Structured Asset Mortgage Investments II Trust ( not registered anywhere ) ( case # XXXX XXXX County, Florida ). Attorneys for claimant ( s ), whoever they are, do not dispute that these " claimants '' have no relation to the alleged debt as they have never purchased it ( which is a clear requirement under 9-203 of the Uniform Commercial Code ), have never had it on their books as an asset or a liability, have suffered no damages, but are set to receive unlawful off-the-books profits ( and have already achieved that in thousands upon thousands wrongful foreclosures around the country ), and would stop at nothing to hide their identities with their counsel 's collaboration. The complaint, however, does state and make the Judge believe that foreclosure sale of the property is to repay the debt owed to claimants, which is not true. A case from Washington State, Cashmere Valley Bank v. State of Wash., Department of Revenue, 334 P.3d 1100 ( Wash. Supreme Court 2014 ) explains in detail investment certificates are no secured and not entitled to foreclosure. PLEASE HELP me personally and also forward this to Task Force Docket # CFPB-XXXX to help thousands of other homeowners being wrongfully foreclosed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to XXXX at the beginning of covid to discuss my financial hardship due to covid-19. They agreed to defer my payments, however XXXX reported negatively as a late payment after going into agreement. My credit score has now dropped because of this.
Product: Checking or savings account

I disputed a charge on my Umpqua Bank Checking account from a motel I stayed at back in XXXX of 2021. They said they would credit my account after I submitted photos of the motel which I did and they credited my account back. In XXXX I went in to a XXXX Oregon branch to close my account since there is no local branch where I live. The teller noted the pending and said she want to " get the transaction right '' when she gave me the cash. She said my account would be closed by the next business day but instead she had overdraw my account. I tried to resolve this with umpqua bank but they refused and then they debited back the amount from the previous motel dispute. increasing the overdraw and adding nsf fees and refusing to listen to me. They then locked me out of my online access and turned me over to collections.