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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX Balance : - ; 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 Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed through equifax and now there are an additional XXXX+ inquiry on my report. They should have been removed because I have n't applied for credit in over a year.
Product: Money transfer, virtual currency, or money service

I tried to withdrew funds from Coinbase Inc [ US ] on the XX/XX/XXXX from my bitcoin wallet to my bank account. According to their website the transaction has completed. 

However no funds have arrived in my bank account. I have previously successfully withdrew funds to the same bank account. 

Sum involved is XXXX Euros. 

I contacted customer support on the XX/XX/XXXX and got the following reply : Coinbase | XX/XX/XXXX XXXX PDT Thank you for submitting your request. Due to increased volume it may take several days to receive a response. 

I asked for an update on XX/XX/XXXX and got this reply : XXXX replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

I have made 2 further attempts to contact Coinbase to get a further update and a resolution to this issue but have been unable to get a response back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft USDOEXXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

14. Identity Theft Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

I asked for payment history from original creditor. I believe this is over 7 years old
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX i sold a part of my bitcoin capital to Coinbase ( https : //www.coinbase.com ). Coinbase has something called a 'EUR wallet ' which is something where your funds go to after selling. This happens instantly and after that you can withdraw the funds to your local bank account. It also works the other way around : you can send funds to the 'EUR wallet ' and after the deposit ( which takes 'x ' days like the withdraws ) it appears in your 'EUR wallet ', then you can buy bitcoins,  litecoins  or etherium with it. Now, what i had was XXXX euro in my EUR wallet. With transaction fee included it 's XXXX euro. On the XX/XX/XXXX my bank account was verified by Coinbase so i decided to transfer the full XXXX to my bank account. The transaction was confirmed and got an e-mail that funds will be send and will be received on the XX/XX/XXXX. A few days later the message appears on the Coinbase website that i could take up to 5 more business days for a transaction to appear in your bank account. That 's not a problem and i fully understood it because the selling volume went through the roof. On their site they say it will take up to 2 business days to transfer the money with a SEPA transaction, but if we add up the extra 5 days it equals to 7 days. If i submitted my withdraw on the XX/XX/XXXX and add 7 days to that we find that the XX/XX/XXXX should be the glorious day of the money coming into my bank account. However, today we are the XXXX ( day this was written ) and yet nothing has changed. The transaction status is still pending and if i check other forums i find other people with the same problem as me.
Product: Debt collection

This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I request that you remove these fraudulent items immediately : 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 Balance : {$1000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Debt collection

XXXX  paid by V A for   XXXX   ride from V A to  XXXX   XXXX .
Product: Credit card or prepaid card

I get charged several excessive fees when I use an ATM only one time within a day. My account appears as if I made multiple visits. 

My auto pay has been declined when no money is deposited on card. I feel this to has caused me to be charged excessive fees. 

My card has been positive on several occasions and declined. Then the company holds my money in a pending status for 15 to 20 days. Sometimes more than the charge. And while the money is gone the fees pile higher and higher. 

It's a profit scheme to charge fees where no circumstance would have existed had the money in the account not been put on hold. 

I'm sick to my stomach as I have tried for nearly a year to remedy these kinds of actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 purchased a vehicle and had been preapproved with XXXX XXXX. Let Salesman XXXX XXXX and Finance manager XXXX I think his name was know I had preapproval. I do not want my credit submitted to any other Company. Made sure they clearly understood that and they said several times no problem, they wouldnt submit to anyone else. I get alert that there are several banks who have done an inquiry on me and consent was from XXXX. I called in and I speak with XXXX who im told is head of finance. She says the inquiries hard inquiries do not affect my credit and I tell her I know what I am seeing on my report. She stated her employee was just trying to get me a better rate and now he is the bad guy villian for trying to help me out. I told her I strictly told them I didnt want me info shopped around and was assured that it wouldnt be because I had a preapproval already. I get a call from store manager XXXX saying they were going to take care of the inquiries by submitting the information to the credit bureaus. XXXX never resolved the issue as the inquiries are still there as of today.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30  days/60  days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

My XXXX XXXX XXXXXXXX XXXX went into debt due to natural disasters like XXXX XXXX i lost my job, house, car, money and everything and experienced homeless. I was now able to pay my XXXX XXXX XXXX XXXX off in full aroujd in XXXX and they promised me to delete it off my credit report in 30 days. So far they havent and it shows negative on my report and we are almost in middle of XXXX. They dont have a direct number for this problem. And XXXX XXXXXXXX doesnt do business with the debt collectors no more so they cant even help me even though they sold my debt and stopped working with all debt collecters. I would like to apply for a new XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX data breach exposed my personal information. As a result cause identity theft and fraud related to my credit with XXXX breach. 1. XXXXXXXX XXXX account # XXXX paid or Fraudulent account # XXXXXXXX XXXX XXXX XXXX Paid, Closed/Never late or Delete 2. XXXX XXXX account # XXXX -- -- -Paid, Closed/Never late or Delete Account # XXXX -- - Paid, Closed/Never late or Delete Account # XXXX Paid, Closed/Never late or Delete 3. XXXX XXXX account ending XXXX or FRAUD account # XXXX Paid, Closed/Never late or Delete 4. XXXX XXXX XXXX account # XXXX - Paid, Closed/Never late or Delete 5. XXXX XXXX XXXXXXXX or Fraud XXXX - Paid, Closed/Never late or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692 ) I will be filing a lawsuit.

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 

DELETE NON WORKING ADDRESS XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX suffered damages as a result of the misrepresentation. As a result of Experian, XXXX and XXXX violations of Fair Credit Reporting Act ( CFRA ).
Product: Bank account or service

My bank account, savings, checking, as well as a credit Account had an address change that was unauthorized. I immediately called Fifth Third call center and spoke to XXXX to be told my account address was changed via the phone. I asked to freeze accounts but could not be done on the phone so I went to the branch. The address was changed on my account by a person by the name of XXXX XXXX but why would that be in the bank notes and why would the bank allow another person to change account address??? I asked why the address would have been changed all they could tell me it was done on the phone. What? And what about multi faceted questions to check account holder??? HELP!!! My bank statement may have gone to this new XXXX address they could not tell me if that happened
Product: Credit reporting or other personal consumer reports

To whom it may concern Hello and I hope this find you well. This is a notice that a medical loan on my credit report needs to be removed because as of XX/XX/year> a law was passed that Medical debt could not longer be reported on a consumer report. The account is listed under the name of Unknown with XXXX and XXXX or XXXX with XXXX. It has been deleted with XXXX as per the XXXX XXXX ruling. 
The medical loan was necessary after a XXXX XXXX  and a personal forced debt bondage situation that will be addressed later. If you wish to receive medical records as proof, please contact me on my home phone XXXX 
Thank you kindly XXXX XXXX
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan opened at 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 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 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I entered a loan agreement for furniture with acima. The loan agreement states I could return the furniture at anytime without penalty in XXXX I contacted acima to try and return the furniture due to financial hardship and they requested I take pictures and send it to them which I did they then said I needed to find a charity and donate the furniture to the charity then send them the receipt showing I donated it. This was not in the contract I even asked acima to come get the furniture and they could donate it themselves they refused. In XXXX acima reported on my credit report I had a delinquent account with them and I owed money which caused my credit score to drop XXXX points and has hindered me from obtaining credit elsewhere. The agreement states I could return the furniture at anytime without penalty upon me trying to return the furniture they refuse to take it and messed up my credit
Product: Money transfer, virtual currency, or money service

Im regards to cash app ( block inc ) they have let my information be manipulated and breached and didnt have customer service number I have taken so much financial losses do to that issue I had to rebuild my credit from users all over the world using my information then they banned my account trying to not email me back or respond
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a different date of last activity from the other bureaus. They are reporting the date as XX/XX/XXXX while XXXX reports it as XX/XX/XXXX and XXXX reports that the date is XX/XX/XXXX. Obviously, all three bureaus are reporting incorrect information. 

Experian also failed to validate this account as the last reported date is listed as XX/XX/XXXX. 

In addition, Experian reported positive payment on a collection account, which is completely inaccurate.
Product: Debt collection

Hi i just found out today i had a special civil case against me about a debt i do not owe. I never lived at the address they sent the superior court notice to and do not know what this debt is for. The company in question is Midland Funding LLC the amount they say i owe is around 2 - 3 thousand plus for a debt owed in the late 2000 's. I know this debt is a lie because i've never lived at that address ever and i've never opened up bank accounts that are involved in this case in the late 2000 's. I want to get to the bottom of this and know what this is for so i can file my lawsuit. 

Thank You.
Product: Debt collection

I am disputing your claim based on the fact that I have no knowledge whatsoever of any account or transaction between myself and any business called Kimball , Tirey & St John LLP Nor is the account number you claim I have with you familiar in the least. 
You provided me with no information as to the nature of this account, any documentation that any such account exists ( outside of your letter claiming such, which does not suffice ). 
Next, I do not have any recollection of any valid contract involving me and the account to which you are alleging/referring too and believe none exists. Thirdly, I was the victim of identity theft & believe the account you may be referring to was opened fraudulently. Unless you can provide some sort of verification that a valid contract exists between myself and Kimball , Tirey & St John LLP, I do hereby request and demand that you refrain from sending me frivolous and unwanted correspondence which falsely claim to bind me legally or financially to an entity utterly unknown to me. If you persist in this claim, then I am legally entitled to demand that you validate your claim per UCC 3-501 ( b ), in order verify the existence of an account in my name which obligates me to you contractually and financially. 
Kimball, Tirey & St John LLP XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Look at the discrepancies on the way this XXXX account is reporting below. Not only is missing information. XXXX  reporting incomplete, misleading, and with multiple inaccuracies. For the last 4-5 months, I been trying to reach out to them directly to resolve this issue, and they failed to report who this account was transferred when it was charged off. Now its reporting incorrect and wrong balances across all the 3 credit reporting agencies, and how come its reporting different payment statuses on payment history below after the account was closed. Its my understanding that it shouldnt be reported as such. Isnt that a violation? Plus, Ive already went ahead and paid-off this account and they guaranteed that they will notify XXXX to delete this account from my credit report. Its reporting with so many inaccuracies and errors. DELETE NOW, and Im not liable. DELETE DELETE DELETE! SEE ATTACHMENTSSSSS
Product: Credit reporting or other personal consumer reports

Experian closed another complaint with this non monetary relief WHICH IS COMPLETE GARBAGE you stole payment history to steal money from people
Product: Checking or savings account

In order to support the CFPB on going investigation and class action litigation i am reporting g USAA again for further transaction re-ordering. USAA re-orders transactions, especially so when one of their bills is due near the time a XXXX party transaction is due. 

In XXXX transaction reordering to favor one over the other was determined to violate FTC regulations, regardless of any banking or user agreement and a bulletin was issued by the OCC to all banks. Most reputable banks updated their practices to stop this. USAA did not. Similar to their on-going non compliance with regulators and fines, ultimately costing customers money. 

In XXXX, USAA reversed a transaction that was a mortgage payment three days after it was paid and deducted in favor of their own account. Resulting in a returned fee of {$30.00} on my mortgage account. 

If I am not reimbursed this amount within XXXX days, small claims will be filed against USAA for realized damages. 

in any case I will be cancelling all products with USAA over the next week and moving accounts.
Product: Prepaid card

On XX/XX/year>, I contacted Way2Go customer service at XXXX to inquire about one-time transfers initiated via the Way2Go website ( https : //www.goprogram.com/ ) that were not being processed. Each time I attempted a one-time transfer, the funds were returned to my Way2Go account without being transferred.

The Way2Go representative informed me that these transfers were flagged as fraudulent but could not explain why. To enable transfers to an external bank account, I was instructed to send the following sensitive information via email to XXXX : 1. Front and back photos of a government-issued ID, 2. A bank statement for the external bank account, and 3. A written statement from the external financial institution confirming my ownership of the account. 

I expressed concerns about the security of sending sensitive financial information via email, as this is an inherently insecure method of transmission. Unfortunately, the representative did not offer an alternative secure method, such as an encrypted portal, fax, or mail, for verifying external bank accounts. 

Moreover, Way2Go does not provide documentation or clear instructions on its website or elsewhere regarding the process for verifying external bank accounts. This lack of transparency and failure to provide secure options for transmitting confidential information are unacceptable.

I am lodging a formal complaint against Way2Go for : 1. Failing to offer a secure method for transferring sensitive financial information, and 2. Not providing clear documentation or guidelines for verifying external bank accounts.

I demand that Way2Go promptly : 1. Implement secure alternatives for transmitting sensitive information, such as an encrypted website or other secure methods, and 2. Provide clear, accessible instructions for the account verification process. 

Thank you for your attention to this matter.
Product: Credit card

1. On XX/XX/XXXX, I willingly closed my Capital Once credit card. 
2. On XX/XX/XXXX, I called XXXX to inquire about a refund for the security deposit and estimated date on which I would be in receipt. I was informed verbally that I would be in receipt of the refund through a paper check within 7 10 business days from the date from which the refund was processed. 
3. On XX/XX/XXXX, I again called XXXX to receive an automated voicemail, based upon my credit card number. I was informed through a virtual message that I should be in should be in my receipt within 60 90 days. 
4. On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX, given the inconsistency of communications on the timeline of a refund. In that complaint, I included that any failure to have this check in my receipt by XX/XX/XXXX, I would escalate this matter at a higher level, including the Consumer Financial Protection Bureau and any federal financial regulator that can hold Capital One accountable. 
5. On XX/XX/XXXX, Capital One was in receipt of my complaint filed under the XXXX XXXX XXXX, and no further communication has been received. 
6. On XX/XX/XXXX, I was in receipt of a statement from Capital One that reflects I have a {$0.00} balance, and that I have a {$99.00} refund processed. If Capital One can address the refund has been processed, then Capital One should be accountable for issuing the refund to me.