23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My name is XXXX XXXX. On XX/XX/2022 my federal tax return was deposited to my American Express Serve card. That day I used my card and withdrew {$700.00} and made approximately {$50.00} in other charges, gas, etc. I was unable to withdraw more than {$750.00}. However, the following day ( overnight while I was asleep ) someone I let stay with me stole my card and made over {$3200.00} in fraud charges before I woke up and realized and cancelled my card and requested a new Serve card. I started a dispute over these fraud charges in which I was declined a few days ago. This seems so unfair that they could fraudulently charge more than I myself was even allowed to make purchases on the previous day! Any help is greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXXpresent and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the experian credit reporting agency has been dishonest in its investigation of this chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with experian, furthermore I went to the federal bankruptcy courts to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies, I received a letter today from the experian company stating that they have confirmed this information with the creditor but failed to list the supplier of this information
Product: Vehicle loan or lease

On XX/XX/XXXX I was contacted by a representative at Mercedes Benz during this time the representative reviewed my account and made me an offer to make a payment on XX/XX/XXXX so that I would not be considered late she also advised that I will be able to cancel XX/XX/XXXX and XX/XX/XXXX payments and put them at the end of my loan so that my next payment due would be XX/XX/XXXX as I just gave birth and have not been back to work. Although I have not been back to work I have been making all the payments on my loan before the 30 day marker so that it will not negatively impact my credit as such a rough time in my life. During this discussion she agreed and said she would contact me on XX/XX/XXXX to give me an update. I did not receive an update. On XX/XX/XXXX I did in fact make a payment but I did not see the payment reflect my account. I called today XX/XX/XXXX to speak to a manager in regards to why I saw a negative marking on my credit report and as to why my payment has not reflect they alleged that the payment needs time to post. Mercedes Benz Financial only allows me to make credit card payments so it should not be the consumers fault when the payment posts. All my previous credit card payments have posted instantly except for this one. I was told that my payment date would be back dated to the date in which I made the payment on XX/XX/XXXX however they would not be able to update my credit report to correct the misinformation. That is not fair at all and if I made the payment on time my account and credit report should reflect such. Please see attached information from my financial institution confirming the date and time of the transaction.
Product: Debt collection

I was with XXXX XXXX XXXX for my cell phone service and XXXX XXXX. I had cancelled my cell phone service when moving from XXXX, XXXX to XXXX, XXXX. Once my move was complete, I had my dXXXX XXXX transferred and stayed with XXXX XXXX XXXX. I continued to receive billing just for XXXX XXXX and continued to pay all amounts due. I am in the process of trying to buy a home in XXXX and found out that I had a collection with XXXX XXXX XXXX that was sent to Diversified Consultant. Again, I was still with XXXX XXXX XXXX ... they had my contact information and I was never called or notified of this debt. I went ahead and reached out to Diversified and explained my situation ... I was told the only way to remove the debt from my credit report was to pay the account ... so being under pressure ... I paid the debt. I had also reached out to XXXX XXXX XXXX Office of the President to let them know what had happened ... I received the notification via email indicating that XXXX XXXX XXXX sent an email requesting the deletion of the account from the credit bureaus. The account has not been deleted as of yet.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Money transfer, virtual currency, or money service

Coinbase I have not been able to access my Coinbase account for several weeks. Have tried multiple times to regain access. Keep getting the run around. I think they are trying to steal my XXXX. Their support line has not been able to unlock it. I have requested to go to a higher level of support but have been denied. 

When trying to prove my identity, they say if I call them it will take XXXX weeks longer. This is a threat to continue to delay my access. 

I have not been able to buy or sell anything since XXXX XXXX. I keep getting the run around.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I paid for my credit report at XXXX today and my FICO scores are the following : XXXX : XXXX ; XXXX : XXXX ; and Experian : XXXX, but there are " revolving accounts '' that have been closed for years in some cases and should be removed. I was able to file online " disputes '' with XXXX and XXXX with ease and with no problems. But the online link for Experian from both XXXX and Experian 's own website sends the user in a circle and does not allow me to file my dispute -- even with all of my personal information from my credit report that Experian currently has on file. I also tried Experian 's XXXX # XXXX with again being sent in a circle and eventually hung up on by the automated system.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

My Binance.US account has been locked since XX/XX/2021 I have settled all amounts owed to Binance.US and they still have not unlocked my account it has been suspended due to risk management I would like my account to be unlocked so I may withdraw my funds
Product: Debt collection

Medical Business has reported to XXXX that I owe a {$570.00} to XXXX XXXX XXXX of XXXX. This is not my bill and I want this taken off my XXXX credit report. I have tried to contact XXXX and all you can get is lost in there telephone go here go there system. This is not the first time this has happened and it has been there mistake each time and it takes hours of work and providing proof that this is not me. These companies need to be held accountable for there mistakes they make instead of making live XXXX on everyone else. I found this when I pulled my credit report. No one has contacted me on this.
Product: Student loan

MyFedLoan Servicing is a poor company to deal with. This all took place within 3-4 months of XXXX-XXXX 2017. I had to re-certify my income payment and was first given an out of date application, which took a month to hear back from them. My second application was completed wrong and I never heard from them, when I called to check, I was told everything was being processed fine. I had to put my loan on forbearance for 2 months, accruing interest of over {$800.00} because of the job they did. After 3 months of going back and forth, I finally received my new payment amount and it is 3x 's as much as I paid last year.
Product: Money transfer, virtual currency, or money service

I have a decently large amount of cryptocurrency that Binance.US will not let me sell, withdraw, or trade. They claim its because a returned ACH but I have covered that owed balance plus more. They ignored everything I said about paying that balance in their response email and brushed me to the side. I haven't been able to access MY money on binance because of this since XX/XX/XXXX. My support ticket for their site is XXXX
Product: Credit reporting or other personal consumer reports

I've called and written all XXXX credit reporting agencies 4 times Equifax, XXXX and XXXX 
About the charge-off accounts, and repossession that are covered under 15USC code 1601, The bankruptcy that is under 15USC code 1681A2B, The hard inquiries which are covered under 18USC Is 10:28 A, Is collections which are covered under 15 usc 1692C . And collections which are under 15USC 166 B.

However, every time I call them they try to make me jump through hoops in order to get the Negative reporting taking off and I do exactly what they say and nothing gets done.

I have constantly told them that I did not get my written percent To have these reporting posted all over the internet.
Product: Credit reporting

I explained to credit card company that at the time I XXXX and my wallet got stolen my credit was done aftyer that day they open phones accounts water all kinds of stuff and I not able to fix cause every body thjat I try to talk to acts like XXXX
Product: Checking or savings account

I have a checking account with Capitol One, and my job has already sent my direct deposit to them, they have not deposited it in my account, nor do they know where my money is. I have direct deposit with another bank with a set amount, my direct deposit has already been deposited but nothing from Capitol One.
Product: Debt collection

I am filing this complaint because Capital One and the 3 major credit bureaus has ignored my request stop reporting the negative account that was closed due to fraudulent activity following the theft of my wallet. I reported the theft to Capital one and made every effort to fix the issue to stop any negative reporting on my behalf. I have provided them with my police report and identity theft affidavit supporting this. Capital One claimed to have completed a transactional fraud investigation on XX/XX/21 and failed to provide me with the results or a resolution. 

My rights under the FCRA have been violated. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. This inaccurate reporting alone has continued to negatively impact my credit worthiness. 

Please resolve this matter as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the following accounts that are on my credit report without me knowing 1. XXXX XXXX. DATE OPENED XX/XX/XXXX {$1000.00} 2. first credit services date XX/XX/XXXX {$6000.00} 3. XXXX XXXX  XXXX date XX/XX/XXXX {$230.00} 4.XXXX XXXX XXXX   XX/XX/XXXX {$0.00} 5.XXXXXX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX after completing the interview process with XXXX XXXX, I was notified that they would be conducting a background check. XXXX XXXX  called to inquire about two accounts i was not aware of that were charge offs. I contacted XXXX where they assisted me in contacting XXXX XXXX and XXXX XXXX to report the fraudulent accounts. The following day i also filed a police report. XX/XX/XXXX I filed a report with the FTC, and I was also able to send a copy of the FTC report and a copy of my statement to both XXXX XXXX and XXXX XXXX. XXXX XXXX and XXXX both conducted their own investigation and concluded that the accounts were indeed fraudulent by XX/XX/XXXX, XXXX was able to have the reporting agencies remove the account from my credit file, however the XXXX card still appears on my credit reports. I want the XXXX card account to be removed from my credit file as it is fraudulent. I also want all incorrect information to be removed. 
XXXX card accountXXXX Total fraudulent amount : {$970.00} Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL, XXXX
Product: Debt collection

THE COLLECTION AGENCY PLACED A COLLECTION ON MY ACCOUNT ( XXXX ). AN THE ACCOUNT WAS PLACED ON THE REPORT AND NO INFORMATION WAS GIVEN ON THE ACCOUNT. THE INFORMATION LISTED WAS INCORRECT.
Product: Student loan

XXXX is taking advantage of me for the last couple of years by charging me for a service that I could have done myself, they are still billing me monthly for {$39.00} USD monthly for the last 2 years +, I have emailed and called XXXX  and have not gotten a response, I also have reached out to a NY legal group and they recommended to reach out here to report this scam, I am attaching a case that they are currently fighting that directly relates to my problem XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The current hack of Equifax has exposed mine, and many, many other citizens to potential identity theft. Due to Equifax, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my rights! 

I have reported this complaint multiple times now that these XXXX XXXX are identify fraud : 1. XXXX XXXX XXXX account number : XXXX 2. XXXX XXXX XXXX account number XXXX 3 XXXX XXXX XXXX account number XXXX Equifax refuses to follow the laws and remove these fraudulent collections after I have provided identity theft report and police report. 

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Money transfer, virtual currency, or money service

On the night of, XX/XX/XXXX my phone and card were used to make unauthorized charges to people whom I've never sent money to before, or after. Cashapp has simply said the " refund failed '' after initiating a chargeback with my bank immediately upon the matter had coming to my attention. This money is rent money, I've been borrowing from future checks to get by while cashapp just sits around and says oh well.
Product: Credit card or prepaid card

I felt obligated because of the card sent in the mail which i didnt request but I still got it and then they wouldnt put it on credit protection during COVID because of a loss of job & loss of grandma.. I had to move because she died and then they closed their store!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING WRONG DATE OF BIRTH IN MY CREDIT FILE. 
THE CREDIT BUREAU FAILED TO INVESTIGATE OR PROVE 100 % ACCURACY OF ALLEGED CREDIT COLLECTION ACCOUNTS LISTED BELOW. 

DATE OF BIRTH LISTED IN MY CREDIT FILE XX/XX/XXXX( INACCUATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) XXXX XXXX XXXX