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

My account has been frozen at XXXX. They are holding roughly {$4000.00} in funds for what they call " loss prevention '' for up to 180 days. There is no possibility of losses for them as I have only used the account to buy and sell crypto. There is no possibility that someone will dispute charges or take money back. As a result, they are lying about the reason they are holding onto my money.
Product: Payday loan, title loan, personal loan, or advance loan

I completed three applications over the last two days for XXXX each, I received three loan approvals totaling XXXX and received no money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX  XXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$770.00} XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXXXXXX Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3XXXXXXXX XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX  Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. IQ DATA INTERNATIONAL IN, has violated my rights and XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. Section 604 A section 2 : It also states a consumer report agency cannont furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile. 

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is
a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, BANCO POPULAR XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

Here is the letter detailing my experience concerning the CitiBank Certificate of Deposit.

[ This letter is to inform you that my check was cashed by someone else using a counterfeit signature. The timeline of the whole story is : ( 1 ) I closed my CD ( amount : {$31000.00} ) on XX/XX/2024. 
( 2 ) On XX/XX/XXXX, I reached out to CITI at XXXX, and a representative supplied me with the XXXX tracking number. Upon examining the tracking details, I discovered that the check was purportedly delivered to the front door on XX/XX/XXXX. However, it's perplexing since there is no signature requirement, no photo record, and no message reminder. Furthermore, the situation is absurd as there is no front door in my community. 
( 3 ) Despite numerous follow-up calls since XX/XX/XXXX regarding the missing check, it wasn't until XX/XX/XXXX that I was notified, through research on my CITI account XXXX that someone had fraudulently cleared my check with a forged signature. 
( 4 ) On the last day, XX/XX/XXXX, two representatives reminded me that a new check could be re-issued to me, and they advised me to send a physical letter explaining the situation. This is the reason for the existence of this letter. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX there were unknown inquiries on my credit report that I don't recognize I don't have the exact dates for all of them but XX/XX/XXXX, XX/XX/XXXX, I think those are two of them
Product: Credit reporting

The marketing companies only said they would take me off, but thought I was interested in offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The address dispute has been received and should be completed by XX/XX/2022. 

Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to XXXX XXXX Equifax and XXXX to correct my address but they have refused since XXXX XXXX XXXX to XXXX XXXX.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am writing you in hopes to correct a misunderstanding and remove a negative mark on my credit score. I have spent the past 3 years working on my credit to get it over a XXXX  score. It has currently dropped to XXXX because of Total Visa reporting a 30 and 60-day notice. On XX/XX/XXXX, I spoke to an agent to close my card due to fraud and to close my account. At that time I thought my account was closed and I no longer received any monthly statements nor did I have a Total Visa credit card. You can verify that the card was never activated or used. I was reimbursed {$240.00} which was issued on XX/XX/XXXX and deposited on XX/XX/XXXX. To my knowledge, I no longer had an account. 

Despite not having a credit card due to Total Visa not sending me one, Total Visa  continued to take {$6.00} out every month from XXXX to XXXX and I was unaware of these charges. I become aware of these charges on XX/XX/XXXX when a representative contacted me about missing 2 payments which surprised me because again, I thought I closed this account. On that same call, I was able to speak with a supervisor who said they would reduce the bill to {$6.00} but I didnt feel that I needed to pay for something that I didnt have. When I declined to pay that amount, The supervisor proceeded to tell me I didnt pay that day and that it would go up to {$12.00}. At that time I question why that would be for something that I had no knowledge of. We proceeded to cancel the card for what I thought was the second time and the supervisor had an antagonistic tone which was not very helpful. And she then closed out the phone call with the message that since I closed my account and didnt pay the {$12.00} that I would then be billed {$18.00}. I felt at this time that I now was being hustled and personally threatened, as she told me it would go to collections. 

In XXXX I received a bill that said I now owed {$38.00} and I questioned whether or not I was being scammed and hustled. As I was going for a home loan I was denied which was a complete shock. When I checked my credit score, this mark crushed my credit score by XXXX  points I have been devastated ever since. Needless to say, I did not get the home that I wanted and at this point, I am admittedly requesting the removal of this mark off my credit. I have already paid the balance and I have been paying {$6.00} unknowingly for months prior. 

I appreciate any assistance you can give in getting my credit score back to where it should be. 

Best Regards, XXXX XXXX
Product: Vehicle loan or lease

I will attach a copy of the letter I am sending them but this is in fact the second or third time I have attempted to resolve this with them. They are charging me an interest rate that is illegal in my state. Last time I filed a complaint against them they ignored it.
Product: Credit card

Dear Sir/Madam : This is an SCRA case. A Kohl 's representative told me that since I was faxing my military Orders, the late fee would be forgiven. Somehow this did not occur, and the original fee has now ballooned to {$100.00} strictly from additional penalties, and is being reported to credit bureaus. The fax number the representative gave me was ( XXXX ) XXXX, and that's what I used. I remember she half-snickered when I read the number back to her to confirm I had it right. I don't know if this signifies the number is fake. One might say this has the appearance of sabotage, maybe by someone who doesn't like the military, but I want to believe it is just an honest miscommunication / misunderstanding. I am certainly willing to email or fax my Orders to any other fax number that Kohl 's might prefer. I have not been able to find one online, which is why I had called Kohl 's customer service to obtain it. Thank You for your time and kind attention.
Product: Money transfer, virtual currency, or money service

Banks have a know your client policy .citibank to be exact i was issued a check from my annuity.money was on a check for XXXX dollars .citibank has had the time to find out how and who fraudulently endorsed a check .my check .the name is on the check and all of the required information.i was suppose to recieve the check XXXX XXXXive complained to the annuity department in the month of XXXX saying i didnt recieve a check .during a jobloss from XXXX XXXX.im tomd in XXXX someone cashed the money ... no identity of the person that signed the check.of the teller or where the check was cashed.i was tomd to contact the olice dept.and still the same results never changed a single thing.so far no money .my pension savings no money has been reimbursed ... citibank has not held anyone liable as of yet and i have been without my funds since it was issued XXXX XXXX2020.funds have not been recovered at all ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 US SM BUS ADMIN ODA has violated m

y rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.
Product: Credit card or prepaid card

I applied for a CITY advantage card. Because if its design, tiny letters and numbers I could not activate it nor use the Card. I disguised this wit CITY bank and asked for an XXXX compliant card, and thy sent me a card I could not use. 

Thus I cancelled the City Bank card, without using it. 

I can not contact City Bank because I have no active City Bank accounts, no check book only XXXX credit and debit cards. 

CITY Bank are billing me fees for a card I can not use, and compounding the interest on the card, Which even if I wanted to pay, I have no method paying, and no method to contact City Bank to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute letter to Experian and XXXX regarding the following account XXXX, XXXX account number XXXX on XX/XX/XXXX pointing out several inconsistencies that I noticed on my credit report with the way the account is reporting. The open/closed date is inaccurate, balance reporting is inaccurate, the XXXX date, as well as the account status is all inaccurate. Experian and XXXX  both received my dispute letters because I sent the letters certified with receipt tracking and Experian received my letter on XX/XX/XXXX and XXXX  received my letter on XX/XX/XXXX and has failed to investigate my dispute within the allotted time of 30 days yet they continue to report this inaccurate information on my credit report. This is XXXX  I have been disputing the validity of this debt since XXXX and Experian has continuously given me the run around about this account. Please DELETE this account immediately for not only inaccurately reporting but failing to investigate account within 30 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out letter to have the debit from XXXX XXXX removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with XXXX XXXX Experian XXXX  and Experian immediately.
Product: Money transfer, virtual currency, or money service

Coinbase locked my account for over 4-5 months for absolutely no reason. I asked, contacted multiple times to unlock, provided all requisite information etc. I needed to cash that money out 4-5mo ago. 

During that time, while they had my account locked FOR NO REASON, each currency dropped in value by at least 50 %. They even discontinued trading in one of the coins which has rendered it worthless and that was in XXXX - again - while they had me locked out with no explanation. 

All these losses were caused by Coinbase 's malfeasance and negligence. I think they are criminals. 

Here is a quick breakdown. 

Coin, Units, Value @ XX/XX/2023 lockout, Value Today XX/XX/2023, Loss Due to Coinbase Blur, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Loss due to Coinbase illegal lockout XXXX What are my options?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to each credit bureau and they never respond, none of the items disputed are updated on my credit report or even listed as in dispute.
Product: Vehicle loan or lease

XX/XX/XXXX I lost my job due to Covid. I made payments still until things got a little harder to manage. Ive been paying on my car for almost 4 years without no problems until Covid. By XX/XX/XXXX after XXXX my car was repossessed because I was 3 months late on payments. I paid for my car back. I was hoping they would understand the financial struggle people are having. Instead they closed my account. In which I had already paid off the bank loan but now Im just paying off what left for the vehicle its self. They dont honor their customers. They definitely should be reporting to the XXXX XXXX XXXX. I dont like the report that was left on my credit report from Bridgecrest XXXX The account shouldnt be closed because Im still paying them and Im in possession of the car which is a XXXX XXXX XXXX. Plus Ive paid nearly 75 % percent of the loan off. Unfair.
Product: Debt collection

Lvn has post inaccuarte information to all three credit reports. This need to be corrected immediately.
Product: Debt collection

Without notice or communication the collection company Voss & Klein reported a debt on my credit report that does not belong to me.

The debt involves unpaid fuel charges to a vessel owned by an LLC. I did not contract the debt and did not receive the benefits of that service.

If there is any money owed, it is owed by a different entity, not me. Voss & Klein did not engage in due dilligence and arbitrarily reported the debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses on my credit report.
Product: Debt collection

I have been divorced for 15 years. My son lives with his mom. She took him to the doctor couple of years ago. She forged my signature on the doctor 's paperwork. I was not aware she took him to visit the doctor, nor I received any bills since my address was not in the paperwork. I called the collection company Acctcorp of Southern Nevada and they said they do n't care that my signature was forge on the paperwork, and that I never receive a bill, I need to pay this collection because I 'm the father, and hanged up on me.