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

Hello, I am getting in touch because I have received an unauthorized charge from Coinbase on the card I use to buy digital currency. This is the second time I have received such a charge ( the first time I worked through my credit card company and promptly received a refund ). 

For two weeks now I have attempted to work with Coinbase to identify the issue. Further, since I raised the issue to Coinbase they have locked my account ( I am unable to buy and sell digital currency ), presumably out of a concern about fraud.
Coinbase 's website indicates that their representatives respond within a day in cases of fraud, however I have been waiting two weeks for resolution. In the meantime the unauthorized charges in the attachment I have posted below are still on my card. Thanks so much for your help. 

1 ) XX/XX/XXXX : {$1500.00} - Legitimate charge 2 ) XX/XX/XXXX : {$950.00} - Legitimate charge 3 ) XX/XX/XXXX : XXXX : UNAUTHORIZED CHARGE - I did not make this charge and did not receive any email documentation from coinbase regarding this charge. 

4 ) XX/XX/XXXX : Refund from my credit card for an unauthorized charge. 

5 ) XX/XX/XXXX : UNAUTHORIZED CHARGE - this is the same situation as Charge 3 above - I did not make this charge and did not receive any emails from coinbase about it ; it simply appeared on my credit card statement.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The account has been continuously reporting which is reading the account. That is illegal. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Checking or savings account

It is my fourth time to submit a complaint. The former three times cases numbers are XXXX, XXXX and XXXX. 
On the one hand, you said you will return the money to the originator. On the other hand, you said my friend have to let the payroll contact the originator bank and ask them to provide a written request then you will initiate return. What the XXXX is that? What should I do? OR just tell me you are not going to return at all. You said you submit request to XXXX twice, they dont reply. I guess you have a XXXX means to contact them. You can call them, write to them, fax them, just let them reply, because it is your responsibility and I dont believe its that hard to initial it. I have explained anything. Such a big university, payroll need to deal with thousands of XXXX dollars, will they care this 2000 dollars? Whom to look for to write such request in such a hard time and no one works in office and they just XXXX. You can not hold it forever in any reason and again is your responsibility to contact the bank and return! It shouldnt be no any progress in more than one year. XXXX XXXX XXXX I am so angry and so disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed off letter certified receipt returned. I requested that accounts on my credit file with Experian. Be investigated for information being reported inaccurate on my credit file. I am filing this complaint in reference to not being notified of my investigation results that were filed. I have also not received any response to the investigation letter that was sent certified. The letter was stamped received on XX/XX/2022 concerning the accuracy of information being reported on my credit file. Per the federal mandated time for this investigation. By law is the 30 day mandated time allotted for the investigation results I am to be made aware of whom completed results, whom was contacted in reference to the investigation completed results, and how the investigation information was obtained. As, of the date of this letter XX/XX/2022 I have not received any investigation results, nor have I received a updated copy of my credit report. From Experian credit bureau the non compliance of the results requested. Is in direct violation of my constitutional rights 15 USC 1681.
Product: Credit reporting

I requested Transunion to correct the multiple accounts listed on my credit report and each time they fail to report accurate information. below are the accounts that I requested Transunion to correct, in the event they could not i demanded that they delete this inaccurate information off my credit. below are the accounts they have failed to provide me with thier method of verification and they have not corrected the accounts let alone delete them which per the FCRA the accounts need to be accurate and verifiable all which are neither. 

XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX # XXXX - This account I was never late on. Transuion did not do a reasonable investigation at all and this item still is reporting incorrectly. 


XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 


XXXX XXXX # XXXX this account is not mine yet still continues to report despite how many times i dispute it. 

XXXX {>= $1,000,000} - this account is charged off but is reporting incorrect late payments.
Product: Credit card

A company that I have never heard of charged nearly {$500.00} to a card that I dont use for months without my knowledge. The card is set on auto pay, so I never check the statement. I did t realize this was happening until I received an email from Discover saying I had exceeded my limit. I immediately contacted them and the representative I spoke with assured me this would be resolved. Now, I have received a letter from Discover that the case is closed and I am responsible for these charges. I have no clue who this company is that charged the card. I have received nothing from this company. I dont even know how to reach them.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year> your company ran my credit without authorization from me.
Product: Vehicle loan or lease

Ok I recently paid off a car loan I had with Key Bank. They never sent the title and closed my account so I could not reference the loan information. They sent me a loan history of reconstruction. I compared it to my actual bank statement payments, my payments where due on the XXXX of the month, in which I paid them before the XXXX generally around the XXXX of the month. Upon comparing my statements my payment dates were not recorded accurately. They were being reported on the " effective date '' which did not match up to the actual payment date. Making the days in between payments to be on average longer than 30 days causing the effective interest rate to be higher. Causing me to pay more on the loan.
Product: Credit reporting or other personal consumer reports

I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 
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
Product: Credit reporting

I have been requesting Experian to investigate inaccurate reporting on my credit report since XX/XX/XXXX I have not received any results back from the investigation that has taken place. Certified letters have been mailed XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have received a response that a telephone number has been deleted. I have requested the inaccurate reported accounts be investigated. To date, Experian has refused to investigate the inaccurate information.
Product: Credit reporting or other personal consumer reports

I need to clear all my old addresses off my credit report
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX I mailed a {$1600.00} ( title agency ) check to comenity bank to pay off my XXXX  XXXX  account. At that time I wasnt aware that XXXX had switched from comenity to XXXX  XXXX. When I realized that XXXX had switch companies I called comenity immediately to let them know what happened. Comenity reassured me that when they received the money they would immediately forward it to XXXX  XXXX. I kept checking the status with both companies. Both companies told me they neither of them have received the money. I then reached out to the title company to see if the check had cleared yet. The title company that issued the check said yes, that the check was cashed by Comenity bank on XXXX and sent me a copy of the cleared check. I called comenity and they said they never received the money but if they did it would have been sent over to XXXX  XXXX and that I should check with them ( XXXX XXXX ) I have called and checked with XXXX  XXXX and they dont show any record of comenity forwarding the money to them. I keep calling and reaching out to both companies and no one know where the {$1600.00}. I have been told by both companies that neither of them have the money.
Product: Checking or savings account

Chime checking on XX/XX/year> I had my check direct deposited to my account and I paid some bills. After I paid the bills it left me with a remaining balance of {$210.00}. I got money from a friend and uploaded XXXX to my card as well that day. I transferred it back to her through chime after uploading it because I realized I didn't need it. The next day XX/XX/year> Chime closed my account and they took my remaining balance of {$210.00}. I called Chime they advised me they closed my account due to suspicious activity. I asked what suspicious activity they said they didn't have access that they would send me a statement of account and never did. On XX/XX/year> I got the email from chime stating my terms changed from deposits from {$25.00} to XXXX. It did't make sense so I called Chime again and asked for a statement and a refund of my remaining balance {$210.00} they told me I was not eligible for reimbursement and still did not send me a copy of my statement. I just want my funds returned to me because I never did any thing wrong or didn't violate any policy even with them changing the terms of deposits after the fact of the matter of my upload. The policy always read that you can upload {$1000.00} every XXXX hours and up to {$10000.00} every month into your Chime checking Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX requesting validation of the debt. Its been over 5 months and the only thing they have done is notify one credit agency that I am disputing the debt. By law you only have 30 days it has been well over 5 months. enclosed are recent pictures of my credit reports from all 3 agencies showing that there are still inconsistencies. It also shows that in 5 months you have only alerted one agency that i am disputing the debt and that is still not validated or confirmed or even investigated. I am also enclosing pictures of the certified mail receipt dated XX/XX/XXXX. I am enclosing the letter i sent requesting validation of the debt bearing my signature and asking you to do so in 30 days. I have been personally and severely impacted by the lack of due diligence of this companies reporting and its in complete violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$46.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX, XXXX, OH XXXX. I request that my current address be updated accordingly. 

XXXX. Date of Birth : XX/XX/year>. I request that my date of birth be updated. 

XXXX. Employers : My only employer is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses. And failing to adequately notify consumers of dispute outcomes. These failures align with my experience where experian has neither corrected nor removed disputed items despite the evidence I provided causing harm to my credit standing. I am requesting corrective action to remove or amend the disputed accounts. As Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I notice from my credit report, Equilfax report is reporting uncorrect info.

I sent the letter to EQuilfax and XXXX from XXXX to XX/XX/XXXX, it's more then 120 days credit bureaus haven't responded, that is a voilation of 15USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) subject to subsection ( f ) and expect as provided in subcection ( g0, if the completeness or accuracy of any item of info contained in consumer ; s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly trought a reseller, of the such dispute, This charged off closed account was reopen as on equilfax illegally XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights with Account # ending in XXXX  15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of XXXX  Data Breach. I demand to remove those accounts or I will file a litigation.
Product: Prepaid card

Ever since " Happy '' Cards have been more difficult to come by, I have tried to buy " XXXX  '' and " XXXX ( Paper ) '' gift cards to shop at various merchants listed on the packaging. However, the quality of these gift cards is not as good and sometimes the cards have PINs with coverings that are hard to scratch off, that scratch off too easily ( thus removing the PIN ), or have already been scratched off before purchase. 

I had outstanding refunds with Blackhawk Network ( BHN ) since approximately XX/XX/2023. On XX/XX/2023, I received a large number of e-mails with " replacement '' XXXX e-gift cards, but I can not tell which card replacements go to which original cases, nor can I tell the final status of where all of my money is. I received 13 e-gift cards on XX/XX/2023, marked as case XXXX. 

The original cases are : XXXX. XXXX ( was : XXXX ). XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX ( old : XXXX ( old : XXXX ) ). XXXX ( was XXXX ). 


I need a detailed accounting of all cards and funds associated with these cases as well as where the refunds or replacements went, and what the exact status is of all such replacements. A spreadsheet with specific dates and amounts will be helpful, as well as internal e-mails and communications.
Product: Checking or savings account

My account is frozen and i have XXXX dollars in it. I have called 12 times and keep being told they will email me. I havent received a email and i am out of money until this is fixed. They told me to speak to the resolution team. I spoke with them and they said they cant provide any information. I need my money.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Capital One is holding my transferred funds, I initiated a transfer XXXX XX/XX/year>, I received a confirmation of funds transferred, then a message stating they were fixing a third party problem, another confirmation of funds transferred and I have received XXXX of it, and it is taken from the capital one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to buy a house but Equifax outdated information which show me at more that XXXX points at times is hurtful and damaging. Equifax reports my scores much lower than what other actually is!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to TransUnion and inform them that I had recently obtained a copy of my credit report and I notice there were some inquires on my report that I would like more information on. I also informed the company that I am not saying that the information is right or wrong. I was just saying that I wasnt 100 percent sure. The representative on the phone stated that TransUnion dont place inquires on anyone 's credit file therefore its nothing that they could do that I would need to call the companies listed on my credit report. I informed the TransUnion rep that I had already been in contact with the companies and they stated that they didnt have any application on file for me and that I needed to contact the credit bureau where the inquiries are listed to have them to find out why there appearing on my report. The TransUnion rep then informed me that I would need to make an FTC report or a police report and send them a copy and they would do an investigation in to the issue. Below you will find a list of the inquiries listed on my credit report by companies some of which I have never even heard of. 

Data Furnisher : XXXX XXXX  Date Reported : XX/XX/2021, XX/XX/2021, XX/XX/2021 Data Furnisher : XXXX XXXX XXXX Date Reported : XX/XX/2021 Data Furnisher : XXXX XXXX Date Reported : XX/XX/2021 Data Furnisher : XXXX Date Reported : XX/XX/2021 Data Furnisher : XXXX Date Reported : XX/XX/2021 In accordance with Fair Credit Reporting act TransUnion has violated my rights 15 U.S.C 1681i states that I have a right to dispute information that is in my file that I believe is inaccurate or incomplete.