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

On XX/XX/year>, I made my last authorized transaction on my Coinbase account, which was a send transaction of XXXX XXXX. Shortly after, a series of unauthorized transactions took place, indicating that my account was compromised. 

Between XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the following unauthorized transactions occurred : XXXX. Send Transactions ( Unauthorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4800.00} USD ) XXXXXXXX XXXX sent to XXXX ( {$980.00} USD ) XXXXXXXX XXXX sent to XXXX ( {$2800.00} USD ) XXXX XXXX sent to XXXX ( {$2100.00} USD ) XXXX. Buy & Sell Transactions ( Unauthorized Trading Activity ) : Purchased XXXX XXXX  for {$2000.00} USD Sold XXXX XXXX  for {$2000.00} USD Purchased XXXX XXXX  for {$4800.00} USD Sold XXXX XXXX  for {$4800.00} USD Purchased XXXX XXXX  for {$1200.00} USD Purchased XXXX XXXX  for {$600.00} USD I did not authorize any of these transactions, and they indicate that my account was accessed by an unauthorized party. At the time, all devices used to access my Coinbase account were in my possession. I have not experienced any SIM swap, phone service interruption, phishing emails, or malware infections on my devices.

Coinbases Failure to Provide Account Protection I am a Coinbase One subscriber, which Coinbase advertises as providing account protection against unauthorized activity. However, after reporting this security breach to Coinbase, they stated that account holders are responsible for securing their credentials. Despite following all security best practices and promptly reporting the fraud, Coinbase has not refunded my losses.

Escalation & Law Enforcement Involvement I have already reported this incident to law enforcement and am actively working with authorities. I request that Coinbase honor its account protection policies, investigate this security breach, and reimburse the funds lost due to this unauthorized access.

I am submitting this complaint to the CFPB to escalate this matter, as Coinbases failure to protect its customers violates consumer protection standards.
Product: Debt collection

I received a letter from Radius Global Solutions stating that they are collecting a debt for XXXX XXXX. I sent them a letter on XX/XX/2021 asking for the following within 30 days : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

It has been over 30 days and this item is still being reported on my credit report without any substantiation from Radius Global.
Product: Debt collection

I have contacted XXXX XXXX XXXX ( XXXX XXXX XXXX ) regarding this paid collection that is on my credit report. However they still refuse to remove this paid account from my XXXX credit report
Product: Student loan

PENFED Credit Union unnecessarily Hurt my Credit Score for no fault of mine. All effort to get this reversed has gone nowhere.

I refinanced my Student Loan With PENFED for 5 years paying $ XXXX  monthly. I set payment on autopay from day XXXX and never had issues paying and never changed my account information. After using autopay to make XXXX  monthly payments of {$600.00}, Per PEN FED, the last XXXX payment {$570.00} can not be made through autopay and I was supposed to make this manually. 

When I was made aware about this process of " last payments can not be made through autopay '' the balance had been sent to debt collection who already reported default on my credit score.

I have since made the payment " manually '' and all efforts to get this reversed from my credit score has gone nowhere. 

I'm not sure how XXXX payments of higher amount ( {$600.00} ) was paid but the last XXXX payment of {$570.00} end up being reported as default on my credit score due to PENFED unnecessary process which I was no made aware in time.

Reporting this as default to my credit score has hurt my credit at the time i needed it most. 

I need PENFED CREDIT Union to reverse this as soon as possible
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXXXXXX Account number : XXXX Balance : {$850.00} XXXX XXXXXXXX Account number : XXXX Balance : {$89.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$680.00} XXXX XXXX Account number : XXXX Balance : {$160.00} XXXX XXXX Account number : XXXX Balance : {$1800.00} XXXX XXXXXXXX Account number : XXXX Balance : {$480.00} XXXX Account number : XXXX Balance : {$770.00} XXXX XXXX XXXX Account number : XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$3000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX XXXX : {$2600.00} XXXX Account number : XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to place a credit freeze with Experian and found the website unresponsive, the site is without graphics and the freeze button is not responding. 

This looks like an attempt by Experian to game the regulations by making it difficult to impossible for security freezes to be implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted an investigation with credit bureau and Santander both came back XX/XX/XXXX saying that account was valid Its a joint listed account that I am not responsible for date opened XX/XX/XXXX automobile loan and is listed as a charge off which it isnt. I requested this removed or provide me proof and neither was done. It still shows as a charge off on my credit report. original amount XXXX and shows balance of XXXX please have them remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX TransUnion RE : Accounts : XXXX XXXX XXXX THIS IS NOT MY ACCOUNT! 

Dear TRANSUNION, This account was falsely added to my credit report only by transuion credit bureau. This is not My account! I have never in my life had a {$2000.00} limit credit card. This is fraud and I would like this account removed from my credit report immediately! 

I contacted XXXX XXXX on XX/XX/2023 and spoke with two agents in two different departments. After doing some investigation I was informed that my name was listed on this account as an authorize use but with a completely different SSN. This is not my account and nor did I give permission to be out on as an authorize user. This is proof my identity has been stolen and used for multiple accounts that are not mine. I have sent off a letter to XXXX XXXX fraud department As well informing them of this situation and asking to be removed from this account and documents sent over to TransUnion stating this is not my account! 

I really hope you do your job in a timely matter and get this account removed from my credit profile immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 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 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692b acquisition
of location information by debt collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times with both the mortgage company and credit company ( XXXX, XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX XXXX I deposited a XXXX XXXX cashiers check and was told funds be available on the XXXX. Today. Then I call in and now can be till the XXXX! XXXX lies lies! They lie left and right. Why get a cashiers check if can't be available!
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a Notice of a Data breach which occured in XX/XX/XXXX. However it was not made known to me until XX/XX/XXXX. My date of birth, social security number, driver 's license number, financial account information, medical information, etc had been leaked. 

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I've placed a freeze on my credit report with all three credit reporting agencies.

15 U.S. Code 1681e ( b ) ( Accuracy of report ) Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) ( Treatment of inaccurate or unverifiable information ) ( a ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 1. Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the credit consumer.

Please remove the following accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Throughout the time frame of XX/XX/XXXX to XX/XX/XXXX your company has repeatedly contacted me, claiming that I owe a debt under XXXX account number XXXX. I do not believe that I owe this debt, after reviewing my credit reports. I would like to inform you that AFNI INC has violated 15 U.S.C. 1692j.

AFNI INC furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.
Product: Bank account or service

I recently opened a new checking account with Bank of America and the application was approved on the XXXX. I updated my employer direct deposit information with this new accounf information. Bank of America proceeds to close my account, with no notice on thursday. I had to call in thursday evening to find out that my account was closed and was not provided with any information. The only reason I found out was that I got a low balance notice, I logged in and checked my balance was XXXX and there was a pending {$25.00} debit. When speaking with a customer service rep I was transferred to XXXX and told my account was closed. When I found this out I checked to see if could change my direct deposit information back to the old account I had and it was too late to do this. So will be without my paycheck for at least a week while I wait for Bank of America to reject the direct deposit and my employer to receive the refunds and redistribute them to me, this is a horrible inconvenience since I 'm relying on that paycheck to take care of my rent and bills due on the first of the month.
Product: Credit reporting or other personal consumer reports

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : Account number : N/A, The inquiry was not authorized. Remove this on my credit report immediately. 

XXXX XXXX XXXX XX/XX/year> : Account number : N/A, The inquiry was not authorized. Remove this on my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Paid and never late. Update this account on my credit report,. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation. As a consumer by law this account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. As a consumer by law this account must be deleted immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. As a consumer by law this account must be deleted immediately.
Product: Student loan

The company is refusing to give me my copy of the XXXX for XXXX and XXXX.
Product: Student loan

I took out Sallie Mae loans for my XXXX XXXX. All XXXX  loans that I took out are deferred while I am in XXXX XXXX Sallie Mae began requesting payments during my XXXX XXXX XXXX As I near the finish of XXXX XXXX they also began reporting to the credit agencies. I have made attempts to refinance the loans in order to receive funding to complete my XXXX program. All companies are denying me due to these loans and the impact that they are having on my credit report. The impact that it made on my credit report is impairing my ability to continue to receive financial aid in order to complete my graduate program. The impact that these loans are having on my credit are also impacting my ability to find a home for myself and my XXXXXXXX XXXX children while I am still XXXX XXXX I currently owe thousands of dollars out of pocket to complete my XXXX XXXX as a result of Sallie Mae. I have communicated with them, however, the payments that they are requesting are unattainable for me at this time. I can not take out loans to refinance them even with a cosigner due to the negative effects that they are having. My programs are on pause until this situation is remedied. It is becoming a situation that is effecting every aspect of my life, both professionally and as a parent in order to provide for my children.
Product: Payday loan, title loan, or personal loan

Recently while conducting a monitor of my credit report I discovered that Ad Astra has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to Ad Astratorelease myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Product: Debt collection

I recently found out due to signing up for a credit wise which shows and helps with your credit report that on XX/XX/2015 with a past due balance of XXXX my now ex partner opened a XXXX account in my name without my knowledge. He told me that the account was in his name and to also that the account had been paid in full bc I knew he had been behind on a payment before when we moved back to our home state. I found that this is not the only derogatory account he lied about being in his name when in actuality it was in mine. I dont feel that I should be held responsible and that he should have to take responsibility for his actions and transgressions. And unfortunately I am the one who is dealing with the repercussions of his irresponsibility. Thank you and hope to hear back from you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a credit limit of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to report three unauthorized hard inquiries made on my credit reports by : JP Morgan Chase Bank, and XXXX  XXXX. 
These inquiries occurred approximately a month ago ( between XX/XX/year> and XX/XX/year> ) and were promptly removed shortly after. However, despite their removal, my credit score dropped by XXXX  points and has not fully recovered since. 

The details are as follows : Chase Bank Inquiry : 1 inquiry between XX/XX/year> and XX/XX/year> XXXX  XXXX Inquiry : 2 inquiries between XX/XX/year> and XX/XX/year> All three inquiries were unauthorized as I did not apply for credit with these institutions during this time. 

Evidence : I first noticed these inquiries through my XXXX XXXX monitoring tool, which tracks changes in my XXXX credit report. The inquiries have since been removed, but my score remains impacted. The score only recovered slightly due to unrelated factors, yet the effect of the unauthorized inquiries has not been resolved. 

Supporting Documentation : - PDF of XXXX XXXX XXXX Report Changes : This document shows the initial score impact from the unauthorized inquiries. 
- PDF of XXXX XXXX XXXX Report Details ( Most Recent ) : This document shows the most recent credit changes, confirming the inquiries have been removed but that my score has not fully recovered from their impact. 
- History of changes in my report since XXXX, 2024 from XXXX XXXX. 

Impact : This unwarranted score drop has negatively affected my financial plans by limiting my ability to qualify for better credit terms, despite the resolution of the unauthorized inquiries. It is concerning that the score did not recover even after the inquiries were removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting false and inaccurate information about my driving history to my insurance company. By them reporting inaccurate information it has caused my insurance to triple the cost. Now i am suffering financially due to their inaccurate reporting. I have mailed and emailed copy of my Certificate of 3 years of Georgia DDS driving record to correct the issue but they haven't corrected this matter yet. They are clearly violating the FCRA.