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

I WAS TOLD THAT IN ORDER TO BE APPROVED FOR A, EVERDAYAMERICANEXPRESSCREDITCARD, ALSO THAT IWOULD NEED A SCORE OF AT LEAST 750, POINTS ON MOST RECORD SHEETS SUCH AS XXXX REPORTING AGENCY OR THE OTHER ONE THAT I MY SELF BELOMG TOO/SUCH AS XXXX XXXX XXXX FOR AT LEAST ABOUT 2/YEARS MEMBERSHIP.THEPHONENUBERTOTHIS OFFICE IS XXXX, AMERICANEXPRESSRECONSIDERATIONLINETEAM/THESEPHONENUMBERS ARE AS/FOWOLLING/XXXX-XXXX-XXXX/XXXX-XXXX-XXXX/I, THINK YHAT THE REAL NEED IS TO ASK THESE PEOPLES FOR A BETTER UPDATE RESPONSE/FURTHERMORE, AS A GHANGE UP IN WRITING BECAUSE MY POINTS KEPT BEING CONTRUSED DOWINGLY EVERY MONTH FOR NO APPERENT KNOWN REASON/ALSOTHE BOTTOM SHEET REPRTS NEGETIV ITEMS WERE SUPPOSED TO BE ERASED BY/XXXX/AND XXXXBLDGINGSMEMBERS, IF NOT OUTSIDECARS/JUMPSIE/OUT/OF/TOWNLOOKS/PERSONS.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX LA XXXX, XXXXXXXX XXXX XXXX/EQIUFAX XXXX XXXX XXXX XXXX MA XXXX. I have informed these companies of the eras but have not heard back from them yet. I also included all appropriate ucc codes and titles concerning these inaccurate hard inquiries
Product: Money transfer, virtual currency, or money service

I am reporting the US based Brokerage house Coinbase for fraud. Coinbase is a illegitimate fake company doing business as a brokerage in the USA. They claim to be real, however, a depositor can not reach anyone at this fake company by email or phone, all their infrastructure is designed to prevent a depositor from accessing their money and assets for trading. Every time I try and move money, after I have followed their extensive identity proof requirements, 1. They hold up the money and the trades for 72 hours, and we suspect they are using our money at that time for their own trades. 2. Then they falsify transfers of assists and overcharge the depositors trading fees based on their fraudulent transfers. 

When we try and contact them, they send depositors to a nonfunctional question submission webpage. It is literally not possible to contact this fake brokerage to resolve the issues. Depositors have even tried to contact them on fakebook, but are never answered. 

I have evidence of this fraud. On XX/XX/XXXX I attempted a transfer of .2397 of BitCoin ( ruffly {$4000.00}. ), 72 hours later ( which should have taken 20 minutes, thus we lost our trade ) I received a transfer confirmation of transfer of 5.78 BitCoin ( {$100000.00}. worth ) including the fees paid to transfer that. 

Coinbase charged me fraudulent fees for transferring {$99000.00}, when I only transfered {$4000.00}. They're service provided false documents on the transaction which I have screen capture evidence. 

I verified that only .2397 of BitCoin was actually sent, and I recalled the transaction and received back my .2397 of coin. The receive transmission report was correct. 

Coinbase should not be allowed to operate in the USA, no bank or trading firm should be allowed to operate here if you can't reach the firm to work out disputes, and if they are falsifying documents and charges. 

We can provide documents from our account to the CFPB for verification to our claims, but will not post to this email form due to having our numbers on the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 {$4900.00} Was deposited to my cash app account and since that i havent been able to withdraw or spend any of my funds several attempts have been made to contact cash app regarding this situation and the company has yet to try and resolve my issue I would like for your company to reach out to cash app to release my funds I have XXXX new born children that I have to financially support.
Product: Debt collection

This debt was paid 15 days after the original date of service, we have disputed with the original dental office and with the collection agency, no 14 months after they reported to my credit bureau as a collection with a " dispute " listed so they knew there was a issue before they even tried to report to credit not only was this paid but it was paid twice and some refunded due to there collection activity The original date of service was XXXX original payment received and cleared from XXXX on XXXX overpayment notice received on XXXX from XXXX XXXX XXXX paid bill a third time Final collection notice from XXXX on XXXX ( after payment received ) spriniger collections letter XXXX and XXXX fax confirmation proofing payment and over payment confirmed by springer collections XXXX springer collections reported to my credit as a disputed collection even thought they have confirmed verbally multiple times payment was received by XXXX and confirmed that they had received the fax proof to them, they gave reassurances that they would take care of the issue with the dentist office and it would not affect credit then went and reported it
Product: Debt collection

My name is XXXX XXXX XXXX. I just received an attempt to collect a debt from Discover bank. I have never authorized this debt with Discover and I have never received any type of communication related to this fraudulent account as well. 
Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Enclosed with the complaint are FTC ID theft report and police report. I hope the matter can be amicably settled.
Product: Credit card or prepaid card

At this time, I have both non-promotional ( NP ) and promotional ( P ) purchases on this store card. The P purchases are on a six-month promotion which ends XX/XX/2021. I have a few NP purchases, so every month, I pay the NP purchases off and at the same time, pay the minimum due for the P purchases. on XX/XX/XXXX, I spoke with the bank and the rep told me that my NP purchases for my XXXX statement totaled approx. {$75.00}, so I made a payment of {$110.00} which would cover both NP and P purchases. She told me to call back in a few days to make sure the payment was allocated the way I wanted : to NP purchases first, then P purchases. Today I spoke to 1 more phone rep, 1 phone supervisor, and 1 chat rep, all of whom gave me a different answer when I inquired about allocating. The first rep said my NP purchases totaled {$88.00} ; the supervisor said the NP purchases were {$65.00} ; the chat rep said the NP purchases were {$100.00}. Only after asking and re-asking the chat rep did she finally confirm that the NP purchases were {$65.00}. She also confirmed that my payment of {$110.00} was allocated to NP purchases first ( all of the these dollar amounts are approximate and don't include cents ) So, this is a total of FOUR reps who gave me conflicting information. And, there is no way for me to confirm if the payment was allocated correctly because that info is not available when I'm logged into my online account. HELP.
Product: Checking or savings account

I am a small business customer with Bank of America. I did a bill pay to my landlord on XX/XX/2018. He received the check but when he went to deposit he was unable to. After several months of trying multiple options, it was finally determined that the check had been fraudulently deposited at an institution at which my landlord does not have an account. Once my landlord signed an affidavit that he didn't not receive the funds, we were told the case was sent to the FDIC in order to recover the funds. We have now been told ( months later and only after certified letters to XXXX XXXX 's office ) that the funds have been recovered but there is no explanation as to why the funds have not been credited back to my account. The amount of the check was {$820.00}. I have spent hours over the last 8 months on the phone with customer service representatives trying to understand what is happening with these funds and am consistently disappointed with how my concerns have been handled. In fact, each time I speak to someone, I become more unclear rather than more clear on what is going on with the situation. I am extremely frustrated and feel I have no other way to share my frustration than making a complaint to the CFPB. I will be closing my account with Bank of America as soon as the funds have been credited back to my account.
Product: Credit reporting or other personal consumer reports

For last 60-90 days I have attempted to write and explain the inaccuracies on my credit file for the company XXXX XXXX with account number XXXX. All the company has responded by was " has been verified and will remain on your credit report '' however no documents was forwarded to me on how there verify the debt. The debt is closed and paid in good standing however this credit file is still showing several days past due. Please assist me in getting this matter resolved. Thank you
Product: Money transfer, virtual currency, or money service

I was scammed XXXX by some impostors who claimed to be assisting people with purchasing stocks with high earned profit thus I was with the group for about 2 months and eventually we realized it was a scam after several red flags I alerted my bank to assist me to contact recipient banks to make recall of the funds.

My banks contacted the recipient banks and the banks claimed that the customers ( scammers ) refused to accept the recalls.

Thus I have been in limbo for about 3 months on the whole situation.

I tried to walk across to the FBI office to report the issue but till date am yet to get a valid response from FBI. 3 well known banks in New York are involved in the matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX
Product: Credit reporting or other personal consumer reports

This is my another refilling complaint to the TRANSUNION since it seems that I was never been heard for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

Received a letter from Credit Collection Services out of XXXX VA, about a medical debt. The creditor was XXXX XXXX XXXX. It had my correct and rather new address. The bill date didnt make sense to me because i havent had lab work done in a year or so. Also, the Dr that ordered the test, ive never heard of nor been to see before. I called CCS and they said it might not be the doctor you saw but could have been a doctor in the office that makes the orders which sounded fishy. He also said i had already paid them twice for lesser amounts and gave me the dates ( which i don't remember ) So i told them i would look into it more, and if i felt i did indeed owe them the money i would pay online. 

I then spoke with XXXX XXXX for a full half an hour as they tried to track me down as a patient. ( side note : there's not a XXXX  lab within XXXX miles of me, and once i tracked down the Dr who ordered the test was located about XXXX miles from me ). After speaking with XXXX, they told me to rip up the letter i received from CCS as this was not money i owed and i wasnt even in their system to begin with. 

So i called back CCS, and they wanted payment once again, and when i told them i spoke with XXXX and they couldn't even find me in their system as a patient, they told me they would remove my phone number ( whatever that means ). When i asked if it would affect my credit negatively, the lady just repeated that she would remove my phone number from her system and ended the phone call. 

Considering they don't even have the correct person, I am curious how they got my new address and phone number to begin with.
Product: Credit card or prepaid card

Im trying to buy a house, so of course I get a credit report. I have two delinquent accounts from capitol one on my report. I call one to dispute these accounts as I have never had a credit card with them. I give them all of my information, and they say they dont show record of either of the accounts with them. Yet it still shows on my credit report? They tell me I can report it as fraud but theres nothing they can do on their end since the account doesnt show with my information.
Product: Student loan

I submitted the employment certification form ( ECF ) for the period of XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX and my form was processed 6 weeks later. I included my W2 for XXXX, and XXXX and also my last paystub as well. However the PSLF payment count was not accurate ( only increased by 1 ) and did not reflect the number of payments for past 2 years that I submitted the form for. I called Mohela multiple times and waited 2 hours for each phone call. I finally was able to get through to speak to a representative who told me it was a mistake and she requested a manually recount. I asked how long it would take for the payment counts to be updated. She responded saying she has no idea how long it would take?? 
It seems to be a simple fix and I find it unacceptable with their answer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint and an investigation is taking place has not reflected the updated profile or change to my report. The dated account is under investigation and I need my report to reflect that. Here the original complaint : On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing XXXX XXXX XXXX XXXX XXXX  which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this account. discover has since been placed back onto my report, without an complete investigation. I was notified once and then didn't hear further communication since that date. 


I can submit any documents or questions that may be asked regarding this account. please help me get understand and verify this account as needed. I'm asking for another investigation as this seems to be a revolving issues regarding this account.
Product: Credit reporting or other personal consumer reports

Complaint to CFPB Regarding Equifax 's Inaccurate Reporting Subject : Complaint Against Equifax for Reporting Inaccurate Information on Credit Report Date : XX/XX/XXXX Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Details : Credit Bureau Involved : Equifax Account XXXX : Creditor Name : Upstart Loan Operations Account Number : XXXX XXXX I am filing this complaint to request the immediate removal of inaccurate and unverifiable information reported by Equifax on my credit file, specifically concerning the XXXX XXXX XXXX account. 

Equifax is reporting " Charge-Offs ( CO ) '' for the months of XXXX and XX/XX/XXXX, which are inconsistent with the factual history of this account. Furthermore, Equifax has inaccurately reported delinquency statuses, including ( e.g. 60, 90, 120, and 150 days past due ), without proper validation or verification.

These reporting inaccuracies are violations of 15 U.S. Code 1681 ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, under 15 U.S. Code 1681e ( b ), Equifax is required to maintain maximum possible accuracy in the information reported. Failing to verify this information violates my rights under federal law.

These violations, along with Equifax 's history of compliance issueshighlighted by the CFPB 's recent enforcement action that resulted in a {$15.00} million fine for failures in investigating credit reporting errorsnecessitate immediate action.

Request : I respectfully request that the CFPB : 1. Direct Equifax to remove the inaccurate charge-offs and delinquency statuses from my credit report for the XXXX XXXX XXXX account due to their unverifiable and inconsistent nature.

2. Ensure Equifax complies with its obligations under 15 U.S. Code 1681 ( i ) and 1681e ( b ).

3. Hold Equifax accountable for its failure to follow proper procedures, causing harm to consumers like myself.

Attachments : 1. Screenshot of the Equifax credit report highlighting discrepancies. 
XXXX. Payment history for XXXX XXXX XXXX from Equifax. 
XXXX. Copy of the CFPB press release on the {$15.00} XXXX fine. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I accidentally made a purchase through Affirm. I immediately tried to cancel. Both the ticket place ( XXXX ) and Affirm were closed, so I sent e-mails to both companies. I searched for hours on their sites and Apps to find contact info for these companies. Neither one had them. Unfortunately I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once the XXXX was under control I researched online and found a phone number for Affirm. I contacted them and spoke to XXXX. He told me I needed to wait a week to hear back from the XXXX place. I explained my situation and told him the money taken out of my account was my rent money thats due in 2 days. I was told there was nothing he could do to help me.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of a late payment for my XXXX credit card, I received a call around XX/XX/XXXX, from a representative from XXXX XXXX  XXXX  XXXX that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX XXXX and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of XXXX Credit Card services  and the money order I wrote was directed to an unauthorized place i would like to make a police report inregards to the fraud call made on behalf of XXXX credit card services which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it dont happen again I received a call around XX/XX/XXXX, from a representative from XXXX Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for XXXX XXXX as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX XXXX and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of XXXXXXXX Credit Card services and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. 
It would help me immensely if you take the late payment off my XXXX credit card histoy and make a adjustment to remove the late payment for the month of XXXX and XXXX  due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have finacially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. 
Thank you for your consideration, and I hope you'll approve my request
Product: Debt collection

Merchants Credit Guide company violated my HIPAA rights by asking for and obtaining my medical records which contained procedures and other documents. This was reported on my credit report on XX/XX/XXXX and XX/XX/XXXX.