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

On XX/XX/XXXX, I sent a wire transfer of {$500.00} to Coinbase to be deposited into my account to use for trading of cryptocurrency. Coinbase was pretty backlogged at the time, so they said it could take up to 10 business days for the money to be credited to my account. After the 10 business days had passed, the money still did not show-up in my account. I tried calling the company, but they don't have phone support for these issues. I submitted a case through support.coinbase.com, and they just sent me a canned response. I keep sending more emails, and each time I just get a canned response. They think I am under 18, when I am, in fact, XXXX years old. They even had me resubmit a photo of my ID to prove my age. They have not once addressed where my money is or how I can get access to it. I talked to my bank, and they submitted a recall of the wire transfer from the receiving bank. It has been 2 1/2 weeks since they submitted the recall request, and XXXX XXXX XXXX has not responded at all to the request. I don't know any other avenue to get my money back except for your service.
Product: Credit reporting or other personal consumer reports

What Happened? 

I am filing this complaint regarding XXXX  for reporting inaccurate and unverifiable information on my credit file. 
This account was not authorized by me and was opened without my consent. 
The account is reporting a charge-off and past due amount, which is inaccurate. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but the incorrect reporting has not been removed.

Under FCRA 611, if the furnisher can not verify the accuracy of an account, it must be removed from my credit report.
Product: Debt collection

3rd party received my medical records and personal information, such as social DOB and alleged debt from a medical facility.This 3rd party has now damaged my consumer report with such information before validating such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern Im requesting to have items my credit reviewed Ive been writing letters and theres things that never are addressed. 

1. I am requesting that the credit ( FREEZE and the ALERT ) on my credit be REMOVED totally off my credit report. 
2. The phone number on my report is incorrect, it should XXXX 3. The address is in correct it should be as follows ( XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ) 4. My credit was run at a car lot there were not supposed to run my credit and there were,20 inquiries added to my credit ( l am attaching letter from there business manager ) on there letter head all the inquiries were added on XX/XX/XXXX and the XXXX XXXX. There were 5 other in XXXX I never saw that are not mine. 3 from XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX 5. I have a paid auto that was removed off my account not sure why, but Im attaching the paid off slip and the email that was sent to me ( Im requesting to Have XXXX XXXX XXXX Added Back to My report ) I am demanding these things be taken care of immediately, Thank You for your time. 

XXXX XXXX
Product: Checking or savings account

Wells Fargo has not deposited the promotional {$320.00} welcome bonus despite opening the account, depositing funds, and meeting the direct deposit requirements of {$1000.00} within XXXX  days. After this XXXX days the bank asks for customers to wait an additional XXXX days. Its been over XXXX days, and despite escalating the issue for a review, another XXXX days has passed, and all Im being told is theyre not getting a response from the promotions department. Thats not my problem as to why theyre having internal communication problems. Ive repeatedly called for follow ups, and get the same response that theyre still investigating.

One lower level representative said that despite meeting the {$1000.00} direct deposits, I did not make an initial {$25.00} deposit, which is not true based on the first months bank statement. I initiated over {$70.00} of deposits the day the account was opened. If they are trying to use the semantics of the word deposit to mean cash deposits, then thats false advertising with the hope of baiting new customers into opening new accounts, collecting the direct deposits of over {$1000.00}, then denying customers the {$320.00} bonus based off a technicality. A deposit is a deposit, and I deposited funds into the account the day I opened it. Ive waited long enough before submitting this complaint, and at this point Wells Fargo Bank is being unfair and possibly using an illegal tactic to unfairly increase their account openings this year.
Product: Debt collection

I am writing to you in an urgent and distressed state, seeking your immediate attention to a matter that is adversely affecting my mental health and financial well-being. My credit report, as provided by your bureau, includes a fraudulent account that has been consistently tarnishing my record. I am writing to formally dispute this account and request its immediate deletion. 
XXXX XXXX XXXX XXXX -PLEASE DELETE!!!! 
It is with great frustration and distress that I address this matter. I have recently become aware that I am a victim of identity theft, and this fraudulent account is a direct consequence of this malicious activity. This situation has taken a toll on my mental health and is causing severe stress and anxiety as I am wrongly facing the consequences of someone else 's actions. 
Despite my efforts, the presence of this fraudulent account on my credit report continues to impact my financial standing and personal well-being. I implore you to consider the gravity of this situation and take immediate action to delete the fraudulent account from my credit report.
Product: Credit card or prepaid card

I was notified by e-mail and telephone by Citi bank that my card was used for fraudulent charges. They read the list of charges and asked if i made them. I reported the ones I did make and they said the others would be removed. All fraud charges were made in California and we are in PA. They removed all but one fraud charge and that one was  made made on XX/XX/XXXX for {$50.00} to a company called XXXX in California. This is shown on the attached statement. There were three charges to this company by the hackers. Citi removed 2 of them and sent a new credit card with a new number. 

Since then, the {$50.00} charge remains as on XX/XX/XXXX. It is the only balance on the account plus they are charging us interest now on the {$50.00} which they also promised to remove. We have called Citi 8 times, The first XX/XX/XXXX the last on XX/XX/XXXX for 1 hour and 10 min. Each time we called we spoke to at least 3 people. One time they said they needed to send a new card so they sent another one. Each time they said the charge was to removed in 5 days and we are not to pay it. The {$50.00} remains and now they charge interest.. The only response we ever got was the e-mail sent in XX/XX/XXXX as  attached.. We also sent 2 letters to customer service and NEVER got a response. The last letter we sent them is attached. We don't know why they wont remove this charge and why they wont even respond to us. 

They also refused to close the account.
Product: Debt collection

Aldous & Associates are claiming i owe {$210.00} to a gym ( XXXX XXXX XXXX  when i have never used the gym except for one time and i cancelled it after that. i never wrote any contract with them i never gave them my information. I cancelled my membership months ago and never they are being incooperative ( both the gym and debt collection firm ) and are not willing to provide me proof of the contract i allegedly signed. They tell me i need to write a written request which I believe is just something to get me to quickly pay the debt instead of wasting my time writing letters. I know for a fact they have no proof of me signing any contract because i never did. I think law enforcement needs to take action against this law firm and/or gym because they are illegally trying to collect money and threatening to forward it to my credit if not paid.
Product: Debt collection

This account at Conn 's for my mom, was researched by a Conn 's credit manager, XXXX on XX/XX/2017. She verified that one sister purchased a computer and combined the purchase onto my mom 's account. This was done without my mom 's knowledge or authorization. At that time while my mom spoke with XXXX and asked how could she have them stop calling her for an unauthorized charge to her account. XXXX explained that if my mom provided a fax with her name, address and phone as well as the name and phone of the person who charged on her account. They would then stop calling and then pursue the correct person. 

For some time they stopped calling my mom. My mom passed away XX/XX/2018 a month before her XXXX birthday. Two months later my XXXX sister began receiving phone calls and I began receiving letters about paying this account. I asked to speak to the manager and explained what transpired in XX/XX/2017 with my mom and XXXX to no avail. The letters increased as well as the calls to my XXXX sister. Both of us are XXXX and grieving the loss of our mother and XXXX other close relatives the past 5 months.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I was attempting to apply for apartments but was informed that I had a credit freeze that I did not place. I was able to clear things up with XXXX and XXXX, but not TransUnion. This initial inquiry was frustrating, and every representative I called either just kept transferring me or told me that the information I provided wasn't in their system and to email their fulfillment team to fix the issue. I did with the required documents and heard nothing and no representative could assist over the phone. This past week I learned the freeze is still active. I called TransUnion and the representative informed me that for my social security number they have a completely different name in their system and to email their fulfillment team with proof of address and social. I emailed with proof on XX/XX/XXXX. I was emailed today XX/XX/XXXX by TransUnion informing me that this is not something the fulfillment team handles, claa a representative and then they closed the case. I called a representative and they told me to email fulfillment. I am trying to purchase a home now, but lenders can not run a full credit check because TransUnion refuses to help in any way. I truly don't understand why they just keep passing me on but it should be illegal.
Product: Vehicle loan or lease

I have a balance in my XXXX car account even though I paid all the payment and left with only one and they said I have XXXX extensions and that will cost me XXXX that I can not afford to pay it.
Product: Credit reporting or other personal consumer reports

Transunion has not shown proof that this account is mines. Credit XXXX has failed to show this account is mines. I did not authorize or open an account with XXXX Bank. This account is a violation of XXXX us XXXX false and misleading representations for my credit report. This account is damaging my credit worthiness.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections accounts at XXXX XXXX XXXXXXXX opened on XX/XX/XXXX under the account number XXXX with a balance of {$630.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hi, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than XXXX  days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Product: Credit reporting or other personal consumer reports

According to 15 USC 680 ( 2 ) ( B ) opt out law A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted which means all of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which has nothing to do with XXXX Equifax XXXX which make them non affiliated which means I as the consumer must have 3 disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to 18 USC 1515 ( B ) ( 3 ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates which that's not the case and according to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies which means all of the following accounts that I listed above must be removed due to inaccurate reporting without my agreement.
Product: Credit card or prepaid card

AMERCIAN EXPRESS VIOLATED " FDCPA/ FCBA '' ( 1692g VALIDATION OF DEBT ) REFUSE TO REMOVE {$2500.00} SUBMITTED BY " XXXX XXXX XXXX OF FRAUD/ UNAUTHORIZED CHARGES WITHOUT MY CONSENT ... NOTE : A FORMAL COMPALINT HAS BEEN FILED WITH " XXXX, FTC AND VA AFFAIRS OFFICE ''
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Mortgage

I closed on my first loan with US bank on XX/XX/year> and because I put down 10 %, there was PMI requirement as expected. However, throughout the loan approval process, the US bank loan officer reiterated multiple times that once I paid 20 % of the " original value '' of the property, I can call them to remove the PMI. Also, in all the loan documents given to me at the time of closing, nowhere was it mentioned in writing or even verbally or email communication that I will be paying a fee of {$190.00} for an inspector to come access my property to see if the value has depreciated since the inception of the loan before the PMI could be removed. 
I called US bank and spoke to XXXX personnel 's for over XXXX and they kept insisting that I will pay the {$190.00} fee to have the PMI removed. I argued that this wasn't the original contract requirement of the loan. This is stealing and extortion in broad daylight for the following reasons : XXXX. Its wasn't in my original contract during inception of loan XXXX. The price of houses has gone up significantly and its public information XXXX. The original loan contract stated that its 20 % paid of the original price of the home at inception of loan not the current value post new assessment or appraisal. 
XXXX. Even if they used the current value, my home far exceeds the original price and this again is data US bank has and don't need to send anyone to my property to know this as they have been closing loans till today. 
XXXX. I have never missed a payment or had late payment on both mortgages I have with US bank and they are charging me PMI on both of them, yet they are wanting to extort {$190.00} from me just to have someone come physically look at my property in person to see if it depreciated or appreciated. This makes no sense as they can run comps remotely to value the home. 

Please help as millions of people are being taken advantage of by US bank with this fraudulent fee that was not outlined anywhere on my original loan contract.
Product: Credit reporting or other personal consumer reports

XXXX / XXXX Account XXXX - XXXX XXXX XXXX. I just got a copy of my credit report, I notice you are reporting this account incorrectly. This collection account is already as PAID/CLOSED, According to the FCRA, XXXX have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Debt collection

Last night XXXX at XXXX XXXX CST XXXX XXXX called asking for me. I told them they had the wrong number because I get so many spam/fraud calls all the time, plus I didn't realize it was XXXX XXXX until after the call and I looked on my caller ID. They did not identify themselves and who they were with when I picked up.. The phone rang for like 2 minutes, that's why I picked up. I have a company working on consolidation for this debt and XXXX   knows this. They called me at XXXX XXXX, that is too late and when I told them they had the wrong number they said, you mean to tell me you don't know who XXXX XXXX is? Very aggressive.. Then they said, I am going to leave a message for XXXX. I said, you have the wrong number. the way they acted I thought for sure it was a scam call because of how rude they were. Then they said, okay. well, I will just be contacting all of her family members then. I said, okay. Hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX 48 Months length of loan Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/2022. Date opened : XX/XX/2022 Balance Updated : XX/XX/2022 This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, XXXX, and TransUnion. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 someone fraudulently used my personal information to apply for multiple accounts with the same bank XXXX XXXX. I did not consent or authorize these inquiries to my personal credit. I am asking for documentation that I applied for these accounts and If no proof can be provided I need these fraudulent inquiries removed immediately from my TransUnion credit report so that I am not denied future credit. I have 4 fraudulent inquiries on the same date from The same financial institution XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiries : I wrote XXXX dispute letters also online dispute to all three credit bureaus in XXXX & XX/XX/XXXX in Temp to have them fix these errors or remove the entire inaccurately late payment of my credit file but it was a failed attempt, I reached out to CFPB to help me with this matter. 
I do not give any authorization to any creditor to run my credit nor was I looking for a credit card or loan. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX As for late payment, this payment is current and has been a consumer report to update the information. 
XXXX XXXX XXXX. 
XX/XX/XXXX {$480.00} monthly Auto payments. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX, are currently on terms with the leasing agreement. 

XXXX : Account XXXX was paid in full.