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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not allow me to dispute a fraudulent inquiry, even though I've stated to them it's fraud and I am a victim of identity theft. I have also provided them with a police report showing just that. They will not help me as the inquiry is fraudulent and I didn't apply for anything. The inquiry on question is XXXX XXXX on XX/XX/2019. Please help as they are not willing to help me at all.
Product: Money transfer, virtual currency, or money service

I had XXXX square accounts, which both were deactivated with a higha balance on them. The emails associated with those XXXX accounts are as follow : XXXX and XXXX. 

The money placed on hold and i was told the money will be available to withdraw after 90 days. The days already passed and in fact its been a month after that 90 days expiration date. I tried to log in to these XXXX accounts of mine to transfer the funds to my bank, but I noticed the entire funds of both accounts, were already withdraw and there is no money available in either of the accounts. The combined balance that I had on these accounts, were approximately XXXX XXXX, but it all has been withdrawn by someone to several different bank accounts with different names. Im not sure how XXXX allow that to happen. All the funds has been transferred to several bank accounts with different owners. I tried contacting square several times by email and phone, but they are absolutely not helpful and its a large amount of money that currently I dont have access and request to immediately resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX is factually incorrect. 

The vehicle regarding this auto loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. Yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account and its entirety from my credit file. 
A monthly should not exist after a repossession has occur.
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters to Equifax, XXXX and XXXX throughout the year of ( March 2024-November 2024 ) that my information was comprised of my identity, and they said it was investigated. However, I did not get any documents showing what, when and how any information was belonging to me. 

Letters were sent with my correct name, address, driver 's license and so forth, but they still have it wrong on my report. Information about the identity issue was sent in and it was denied. 
However, I have not been able to acquire the things that will help my ill mom because of this. I have over a dozen items which the companies were informed they were not accurate for XXXX reason or another. ( The inaccurate information is causing me to stress and become ill myself. It was even noted to the companies that the XXXX first initial is to be FAIR, and this is not fair by any means. ) XXXX : Equifax XXXX : XXXX OF XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX : Equifax 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 XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please XXXX XXXX of what is to happen now.
Product: Debt collection

XX/XX/2020 I submitted a dispute threw XXXX and XXXX  about the collection I have on my credit report ; from Enhance Recovery Company, the collection agency for, the amount of {$1400.00}, from XXXX XXXX. The XXXX collection was originally under another collection agency ; from XXXX  XXXX  ; for the same amount {$1400.00} from XXXX which they did remove the balance owed. I then received a letter stating they sold the collection account to a different collection agency, and there is a balance due, and was placed back on my credit report.
Product: Debt collection

My student loan was sent to a collection agency XX/XX/XXXX. 
I have been making XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called XXXX XXXX XXXX XXXX, the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my 401K, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from XXXX XXXX , XXXX, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told XXXX, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just one month of no payment since outrageous. Further, it is unclear if Access group, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read company 's false response before I dispute In his complaint with your office, XXXX. XXXX states that two incidents reported by LexisNexis dated XX/XX/XXXX and XX/XX/XXXX are incorrect and are impacting his insurance premiums. In response to XXXX XXXX complaint, LexisNexis searched our systems using XXXX XXXX name and address as provided in his complaint and located two reports a XXXX . Auto report and a Motor Vehicle Record ( MVR ) report provided to XXXX XXXX insurance carrier, XXXX XXXX. On XXXX XXXX MVR report, LexisNexis located a moving violation issued on XX/XX/XXXX, with a conviction date of XX/XX/XXXX, which we believe to be one of the incidents XXXX XXXX is disputing. On XXXX XXXX XXXX . Auto report, LexisNexis located a claim dated XX/XX/XXXX,  which XXXX XXXX states is incorrectly reporting as at fault.
Page 2 XXXX In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of the claim dated XX/XX/XXXX listed on his XXXX .  Auto report. During our reinvestigation of the claim dated XX/XX/XXXX listed on XXXX XXXX XXXX . Auto report, XXXX XXXX XXXX verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. Please note that there is no fault assigned to this claim. Given this verification, LexisNexis is unable to remove the disputed claim from the XXXX  . database.
In regards to the moving violation issued XX/XX/XXXX for use of a mobile telephone while operating a motor vehicle, which has a conviction date of XX/XX/XXXX, the MVR obtained on behalf of XXXX XXXX was provided by the government agency of the state that maintains driver history information ( e.g., Department of Motor Vehicles, Department of Public Safety, or Secretary of State ). LexisNexis obtains MVRs from the appropriate government agency, standardizes the information, and forwards the information to the company requesting the record.
LexisNexis does not have the ability to change the substance of the information contained in the MVR other than to verify that the information is correctly standardized. The state in which XXXX XXXX is licensed to drive has the responsibility of maintaining his driving record. If he identifies errors in his MVR,  he must first contact the appropriate government agency in the state in which he is licensed to confirm the accuracy of their data.
If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX-XXXX-XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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: Money transfer, virtual currency, or money service

I DEMANDED MY PROFILE AND ACCOUNT BE CLOSED DUE TO FRAUDULANT ACCESS, IDENTITY THEFT, AND UNAUTHORIZED CHARGES TO MY CREDIT CARDS AND BANK ACCOUNTS 1 ) PAYPAL HAS ALLOWED CRIMES TO BE COMMITED AGAINST ME AS NUMEROUS CHARGES WERE MADE ON MY PAYPAL ACCOUNT, WITH STORED CREDIT CARDS, DEBIT CARDS, BANK ACCOUNT INFORMATION, AND PERSONAL INFORMATION 2 ) I HAVE REPEATIDLY REPORTED THESE CHARGES AS FRAUD, IDENTITY THEFT, AND CYBERCRIMES, AND PAYPAL HAS NOT RESOLVED THE MATTER, REFUNDED MY MONEY, SECURED MY ACCOUNT, OR CLOSED MY ACCOUNT 3 ) I DEMAND MY MONEY BE RETURNED TO ME, REFUNDED IN FULL, ACCOUNT CLOSED, OR I WILL LITIGATE THIS MATTER FOR VIOLATING MY PERSONAL INFORMATION, MY FINANCIAL INFORMATION, AND BURDENING MY LIFE FOR FINANCIAL MISCONDUCT
Product: Credit card or prepaid card

I have had to close multiple Synchrony Bank accounts for problems making payments. I had to close my Sams Club card and Old Navy bank. I make payments through my bank account and with the correct account number. The checks are cashed and then not credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reporting on my personal credit file also the inaccurate name and addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found in my reports with XXXX, Equifax and XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Money transfer, virtual currency, or money service

I asked for a withdrawal of {$600.00} of my money ( see below ) and it shows complete but no funds were received. I've emailed over a dozen times ... one response with case number ( see below ). I've also tweeted, facebook, and called Coinbase/XXXX  for resolution with zero response. Case # XXXX is the only thing I was given on XX/XX/. 


transfer XXXX XXXX - XX/XX/ XXXX XXXX Transfer ID : XXXX On XX/XX/, at XXXX XXXX, Coinbase Support XXXX wrote : Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble and for the delay on responding. 
Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

You can always visit our self help tool found at XXXX XXXX XXXX for more issue resolution steps. 
If you require further assistance, please let me know. 

Thanks, XXXX Coinbase Support Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble. This message was sent to XXXX in reference to Case # XXXX Follow this link to view the status of your case and add additional comments : XXXX XXXX XXXX
Product: Vehicle loan or lease

Hi, my cousin as a Legal XXXX entered into an agreement with a Creditor on a Refinance Loan specifically a 'Retail Installment Contract '' with a Creditor being PENFED CREDIT UNION, after she was forced by duress being an " XXXX '' into a Fraudulent Contract of her owing nearly {$30000.00} after she traded in her XXXX to XXXX . My cousin entered into an unintelligible social contract as an XXXX and unknowingly was deceived into signing an agreement in violation of her 14th Amendment Constitutional Right, and was deprived of her XXXX by Fraudulent Misconduct by the Creditor herein. I've also as my cousin 's delegated Power of Attorney have been denied the right to act as her Power of Attorney after having submitted to the Creditor herein IRS ( Representative Power of Attorney ) Tax forms. My cousin has been denied the privilege to ( A4V ) Accept for Value - Exempt from Levy -  the Uniform Commercial Code process to discharge this debt with the Creditor herein. She has been denied the privilege ( s ) to Power of Attorney, and ( UCC ), by the denial of the Creditor herein un-acknowledging the debt cancellation process of her ( A4V ) the loan amount, and an unintelligible, illegal, and fraudulent contract with an " XXXX ''. Finally, the Creditor has destroyed my cousin 's line of credit, and has denied her hardship relief.
Product: Money transfer, virtual currency, or money service

I wished to file a complaint against Coinbase as I saw their user agreement contained the following text which claims they can use retaliation as a reason to terminate a customer account : " 6.10. Suspension, Termination, and Cancellation. Coinbase may suspend, restrict, or terminate your access to any or all of the Coinbase Services, and/or deactivate or cancel your Coinbase Account ( XXXX ), with immediate effect for any reason at its sole discretion and is under no obligation to disclose the details of its decision to take such action with you. You acknowledge that Coinbase 's decision to take certain actions, including limiting access to, suspending, or closing your account for any reason in our sole discretion, XXXX be based on confidential criteria that are essential to Coinbase 's risk management and security protocols. You agree that Coinbase is under no obligation to disclose the details of its risk management and security procedures to you. '' As I understand it, Coinbase operates as a Money Services Business. As such, they must comply with the XXXX XXXX XXXX Reform and Consumer Protection Act. 

I attempted to contact customer support on the issue and explained how the wording for that section violated the consumer protections on " Prohibition of Unfair, Deceptive, or Abusive Acts '' and also citing the relevant sections of Section 1031 ( 12 U.S.C. 5531 ), Section 1057 ( 12 U.S.C. 5567 ), Section 1036 ( 12 U.S.C. 5536 ). I further explained that having a section within the user agreement which violates public policy ( and should therefore be unenforceable ) made me feel like a victim of fraudulent inducement. 

I did not know why the complaint form webpage they had was not functional. At first, it stated I needed a customer support reference number. I obtained this from an agent, but the number was never considered valid by the complaint webpage despite following all provided instructions. 

As the customer support number must be accepted before you can actually proceed to fill out the complaint form, the webpage was non-functional. I explained to customer service that if the complaint webpage did not work, I would instead file it with the CFPB. I felt that my attempts would have satisfied the user agreement requirement to file complaints with Coinbase first and the agent agreed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off-v.n XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed-v.n XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off-v.n XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off-v.n XXXX XXXX LOANS XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXalance XXXX XXXX Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open New Added : XXXX XXXX XXXX ( Original Creditor : Original Creditor ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Collection Inquiries : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

I have a XXXX XXXX Aviator MasterCard issued through Barclays Bank. On XXXX XXXX I made a cash transaction for XXXX at a local branch of the bank I do my personal banking with. 
While conducting the transaction I discovered that I did not have the available cash that I believed I would have. Later that afternoon I was informed of XXXX convenience checks that were cashed and charged to my account. After, informing Barclays that the checks were fraudulent, they immediately cancelled my card, issued a new card and account number, as well as credited the fraudulent check funds back to my account. 
This is where the problems begin. That same XXXX transaction, plus fees, has posted to my account almost dailey, to the point where the overcharge has reached XXXX. 
I have contacted Barclays at the very least 20 separate times looking for resolution. 
They say " every time they try to enter a correction into the system, it reverses itself and instead shows as a charge to the card ''. They say they are aware of the problem, they are working on it, but until they work out a solution, my only recourse is to wait. Also, they inform me that I am not the only one affected by this issue. 
However, they continue to send me over limit emails and my payment due is based on a figure that is XXXX above what I believe my balance to be. 
On Sunday morning XXXX XXXX I called to ask about the payment and the incorrect figure they told me there is nothing that can be done and for me to just make the payment. I also, asked if they could tell me what my true balance was and was told that they could not. This problem has been going on for six weeks to this point with no end in sight. If Barclays knows what the problem is as they say they do. Then why wo n't they correct it. I find it difficult to believe that they are even working at resolving this problem. 
At this point I 'm extremely concerned about this issue being reported to the credit agencies as a bad debt, affecting my credit rating, as well as not knowing what my actual true account balance will end up being. 
I am left to wonder what and when this will be resolved. I get no information from the bank at all. I have to contact them for any updates, at which I 'm told just to continue waiting. 
I would formally like to file a complaint against Barclays to resolve this problem before my I 'm stuck trying to restore my credit and am having to fight to have charges that I 'm not responsible for removed.