23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/23 I logged into my Coinbase account to refund the money i sent from XXXX to XXXX XXXX account and there were several attempts made the prior week, a huge message covers my screen from Coinbase Support stating my account was locked and to contact them to unlock my screen, I called a XXXX phone number ( California XXXX XXXX ) and wrote down the email address : XXXX and thought maybe Coinbase is outsourcing. The XXXX. XXXX answered to assist and I requested a XXXX XXXX. XXXX said will need to work on the account and moved. {$6.00} from XXXX to my XXXX XXXX. XXXX asked me where would i like the refund sent to and I said to my XXXX  account, XXXX XXXX asked me to open my XXXX account and moved {$150.00} to a XXXX XXXX account, I told XXXX XXXX that I didnt ask him to take money, I asked for a refund of {$140.00} from coinbase, XXXX XXXXXXXX said he would need to create a dummy account and my XXXX will be refunded in XXXX hours. Later that evening XXXX XXXX called me back and requested i share my screen again through XXXX share to still work on my account, i logged in and later I went back to my chromebook, the {$140.00} was moved to a XXXX account that is not associated with my account. 

On XX/XX/23, i logged back into Coinbase and spoke with Chat Rep XXXX who provided coinbase procedures and stated they do not accept XXXX payments and would never ask anyone to set up a dummy account On XX/XX/23 I contacted XXXX XXXX stated they would investigate with no response On XX/XX/23 I filed a police report and received Report # XXXX On XX/XX/23 XXXX Support stated I would need to contact the recipient, I told the Tech. that the recipient in a Hacker posing as a Coinbase Tech. XXXX XXXX. stated they can not reverse the payment. 

Address to Coinbase XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX PH # XXXX XXXX  Phone XXXX Square Arbitration Division XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Over the past year, I have been receiving sign-in attempt notices, alerting me to the fact that the app was not secure. On XX/XX/XXXX, I received a text and a phone call from someone saying that I need to send information to verify my Venmo account. The text looked fraudulent so I try to log into my Venmo account. 

As I was calling Venmo, I received another message from them stating that I requested XXXX dollars from another Venmo user. On the account, the Venmo agent alerted me to the fact that someone added another bank account on my Venmo ( not my XXXX  XXXX XXXX account that has been on my account for several years and the person who requested the funds posted it on that account. The Venmo agent told me they would investigate but they would need to block my account in order to investigate and prevent further fraudulent charges. 

Today XXXX, Venmo sent an email stating that I must email the XXXX dollars, though it is obvious that it was not deposited into an account with my name. I am trying to gather the evidence that I sent to them but since they have blocked my account, and I switched phones, they now have all my evidence.
Product: Checking or savings account

I asked to speak with the person that did my deposit. She did not come back to the window. Instead another person came to the window. I gave him the deposit slips that she gave me. He told me that my money would be available today. I called the XXXX  XXXX  to report what happened at the bank. 

The initial person that saw me in drive through would not a give me a deposit slip. Instead she told me that she would give me a withdrawal slip and that she would handle everything. I asked for a deposit slip again. She did not provide me with one. 

She kept me in the drive through for over 10 minutes for a check deposit. I have been with Chase Bank for over 20 years. I have never had an issue with my account. She gave me two slips. She did not tell me when funds would be available. Her demeanor was XXXX to say the least. It was as if she had to call the XXXX XXXX to verify that the check that was given to XXXX XXXX XXXX was legitimate. So, she decided to tie the check up in my account. 

I never got the lady name because I did not see a name tag. She did not offer me her name. She was very short, rude, and dismissive. 

I just went on my Chase account to transfer a XXXX to my XXXX XXXX savings account through XXXX. It appears that when the person made the deposit that she did something incorrectly. I do not even see the check in my account. 

I want my money in my account. I clearly asked the second guy that came to the window when would my funds be available. He said today, but that is not true.
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 violate the Consumer Financial Protection Act ( CFPA ). 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 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 I seek significant incontinence and financial loss appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Dear creditor, XXXX days ago, I sent you a letter asking you to investigate the account listed below as I feel that your company is reporting inaccurate information. You have not responded within the allowed time frame by law, which is XXXX  days. Is there any reason why you have not responded? I have given you all the information that you need to investigate this matter. I'm not an expert in the law, but I do know the basics of the Fair Credit Reporting Act and the XXXX XXXX. 

Account : Reason : Instruction : Report Number : XXXX Account Name : XXXX XXXX Number : XXXX XXXX Opened : XX/XX/XXXX Current Status : Open Status Updated : XX/XX/XXXX Balance : {$0.00} Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX I am disputing the inaccurate reporting of late payments for XX/XX/XXXX and XX/XX/XXXX on my XXXX account ( Account Number : XXXX XXXX XXXX After speaking with a representative of XXXX on a recorded line, I was assured that these late payments would be corrected to reflect an " on-time '' status, yet this inaccurate data persists on my credit report. This ongoing false reporting directly violates XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided to credit bureaus must be accurate. It also infringes upon Metro 2 compliance standards under the XXXX XXXX XXXX XXXX ( XXXX ), particularly the guidelines for accurate reporting in Account Status ( Field 17 ) and Payment Rating ( Field 17A ), which must reflect the true state of the account as verified by the creditor. Additionally, 15 U.S.C. 1692e of the FDCPA prohibits any false, misleading, or deceptive practices in debt reporting, and the representatives misrepresentation of account status correction constitutes a violation of this regulation. Furthermore, UCC 1-201 ( 37 ) and UCC 2-715 address my rights to accurate financial reporting and entitle me to seek damages for the negative impact caused by such inaccuracies. I demand immediate correction of this account, with the late payments removed and the account updated to reflect a current, on-time payment history in compliance with Metro 2 standards. If not resolved within 30 days, I will pursue statutory damages for the financial and emotional harm caused by this non-compliance, including a claim for damages under FDCPA and UCC protections. 

I don't want to file any complaints against your company, but I need your company to follow the law and either fix the inaccurate reporting or complete your investigation within the next XXXX  days. If the investigation is not complete within XXXX days, I will file complaints with the attorney general office, the FTC and the Consumer Financial Protection Bureau. 

I await your response. 

sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am an XXXX XXXX servicemember. On XX/XX/2018, I applied for membership and a Power Cash Rewards credit card with Pentagon Federal Credit Union. On the date I applied, I had recently moved from my prior XXXX XXXX in XXXX to XXXX, XXXX. 

On XX/XX/XXXX, PenFed member services instructed me to provide copies of a drivers license, utility bill, and social security card. 

On XX/XX/XXXX, I complied, providing a copy of my license, a utility bill, and my social security card. The drivers license I provided listed my address from my first military duty station ( XXXX XXXX, XXXX  ). 

On XX/XX/XXXX, I was told I needed to provide a notarized id, utility bill and social security card. I called PenFed and asked why. The agent I spoke with told me my old XXXX  drivers license was insufficient due to reflecting my old address. He told me that due to the PATRIOT ACT I would need to get a XXXX drivers license reflecting my current address. 

I then obtained a XXXX drivers license. 

On XX/XX/2018, I sent notarized copies of my utility bill, XXXX   drivers license, and social security card. I can provide these upon request ( not attaching now due to PII ). 

On XX/XX/2018, after multiple phone calls over several weeks to PenFed, I was told PenFeds Financial Intelligence Department could not verify my documents. I asked for an explanation as to why they could not verify my documents, and I was told they could not tell me why. I asked if there was an appeals process, and was told there was no appeals process. I asked to speak to the individuals supervisor. The supervisor told me my XXXX  drivers license looked fake, and that was the reason for the denial. I made it clear I provided my XXXX driver 's license, and told the individual he essentially was accusing me of lying. I offered to re-send all of my documents, offered to provide a copy of my military orders, lease, and military ID, but was told there was no appeals process and no method of recourse.
Product: Credit reporting or other personal consumer reports

I moved from XXXX XXXX XXXX XXXX on XX/XX/scrub> 2024. They lied saying I owed a balance of {$5600.00} and when I asked where the amount came from I was told that I broke the lease. I have proof that I didn't break the lease.. My rent was {$1200.00} at the time and I only had one month left on the lease. So even If had broke the lease which I didn't that still would not add up to {$5600.00} dollars. I moved XX/XX/year>2024 and I my wife wrote the property manager in a letter that we would be moving XX/XX/scrub> 2024 after she sent me a letter stating she would allow me and my wife to terminate the lease early. Which XX/XX/year>2024 my lease would have been up. After we received the collection from Rent Recovery Solution and disputed with them asking for itemized statement and original contract we never received anything or even the dispute resolution. We also disputed with the the credit bureaus. XXXX removed my wife but found mine as accurate. I included copies of the document.
Product: Debt collection

this account was opened fraudulenlty and is a result of identity theft but yet is reported on my credit report ..
Product: Credit reporting or other personal consumer reports

Under the Fair credit Reporting ACT, I believe my information was exposed in the databreach regarding by experien.
Product: Debt collection

I received my first letter stating I needed to pay amount due {$92.00} for a medical bill around XXXX. I have letter to upload. On XXXX I paid entire balance in full. I will upload credit card statement. Then earlier this week I receive collection notice from PFC Professional Finance Company stating  I owe {$0.00} Principal balance but I owe {$0.00} cents for interest. XXXX cents. I said XXXX  cents. 
Back of letter also states " As of the date of this letter, you owe the amount indicated under the amount due on the front side of this notice. Because interest charged on account from the date the account was placed on collections ( which was {$0.00} balance ), the amount due will increase daily because interest charges will continue to accrue. If you would like the most current information concerning your balance prior to paying the account please call XXXX '' nowhere have I seen anything about interest on any paper work until this collection notice. The paper the sent me with envelope cost more than XXXX cents. I feel PFC is breaking FDCPA guidelines for threatening me with daily additional interest. How can charge interest on a {$0.00} balance. Medical billing do not charge interest.
Product: Credit card or prepaid card

My capital one credit card offer of {$0.00} APR for 15 months the offered I accepted when I applied has been changed or modified without any notice being sent to me. The APR now is XXXXXXXX XXXX. Capital one has altered the agreement and this needs to be fixed asap!
Product: Checking or savings account

I cant Access MY financial data through other apps, like XXXX, XXXX, or anything of the sort.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I applied for a car loan with Exeter Financial on XXXX/XXXX/2014 which the application was approved for financing on or around XXXX 2014 which I was told my first payment would be due on XXXX XXXX, 2014 and that the payment due date would bbe the XXXX of each month thereafter. The company asked me to sign up for automatic draft and I agreed ; however, the company started to withdraw funds from our account prior to the due date and charged me both late fees and nsf fees along with numerous fees that I incurred from my financial institutions due to the pre-withdrawing of funds. I had a very difficult time trying to get the representatives to explain why my account would be in the behind and to help me make sense of where we went wrong. The customer service team was very hard to work with and would not explain to me anything and refused to gge me anything in writing concerning my account. I contacted the company in XXXX to ask them foran extension because my mother 's XXXX had returned and my family was devausted so the company advised that I had a two month extension which would modify my payment to reflect these payments due at the end of the loan. I never received the modification agreement neither did I receive the extension terms and agreement. I have requested this information on several occasions and they will not send me a copy but has show my account in the negative after explaining to me that the extension would not have any negative impact on my credit profile. I finally spoke with a representative that put a request in the system for me to receive a copy of my pay history and I notied that the company had several late fees and many early withdrawals that they attempted to make and charge my account for. I asked the company to launch an investigation on the account and they advised that the credit department would contact me within 72 hours and when I did n't hear from them I attempted to call and speak with the department todi discuss the matter at hand, which they refused to allow me to speak witht he department and told me that the findings were still the same and that they could n't help me. I akde them could I speak with management and they told me that each account representative manages the accounts and that this matter is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Act my rights have been violated please resolve this many times They are violating my rights!! 

15.U.S.C 1681s-2 ( A ) a person shall not funish any information relating to a consumer to any consumer reporting agency if a person knows or reasonable cause to believe information is inaccurate 15.U.S.C 1681 section602a=right to privacy 15.U.S.C 1681 section604a section2= can not funish my account without my written permission 15.U.S.C 1681c ( a ) ( 5 ) LIST OF HARD INQUIRIES AND ACCOUNTS : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit since XXXX this year and I have sent mail to the XXXX, and XXXX mailed me letters stating I was a credit repair agency and could not resolve the issue. I have been in the dark about my personal credit since XXXX XXXX, XXXX. I have not heard anything and they have violated my rights. I need these negative items removed from my credit report. They have violated my legal rights! It has been well over 60 days with no communication via mail, or email. 

Accounts listed below & Dates of letters sent on XX/XX/XXXX, and XX/XX/XXXX : 1. XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
2. XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number  : XXXX Please remove it from my credit report. 
4. XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
5. XXXX Account Number : XXXX Please remove it from my credit report. 
6. XXXX / XXXX Account Number : XXXX Please remove it from my credit report. 
7. XXXX Account Number : XXXX Please remove it from my credit report. 
8. XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I have disputed this item time and time again and it has been removed off all my credit reports but one. Now it looks like the creditor has re-aged the debt without my permission and made my credit score plummet! I am XXXX years old an dthe doctor that is trying to collect from me is a XXXX physician - He ONLY sees patients that are XXXX! i demand this be removed from my credit report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency GEN BUS RECOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenOpened Date XXXX XXXX, XXXXClosed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX something wrong? 
Learn more about how to dispute items on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. Self as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. 

XXXX refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the US . All my credit is in XXXX XXXX where I live and work.