23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

3 Fraudlent charges on my TD Bank Debit Card ( please see attached images ) totalling {$490.00}. The charges were to XXXX XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/18 - XXXX XXXX XXXX {$400.00} Another charge to XXXX XXXX XXXX {$8.00} XX/XX/18 - XXXX {$81.00} I told my bank and they can not guarantee I will be refunded my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX ss # 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 the EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a {$14000.00} XXXX Card services opened on XXXX XXXX XXXX # XXXX, division of child support {$52000.00} opened on XXXX XXXX XXXX # XXXX, also a XXXX XXXX  {$1200.00} opened XX/XX/XXXX XXXX # XXXX, XXXX XXXX  {$1500.00} opened XX/XX/XXXX XXXX # XXXX, last XXXX XXXX XXXX {$430.00} opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report.i have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit maintained by you wich shows the aforementioned fraudulent items.i do not recognize aforementioned accounts, and the hard inquiries as reported. The aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 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: Debt collection

XXXX XXXX is reporting an account to my consumer report that they no longer own and the debt has been paid to the collection agency XXXX in which is the new debt owner I have including documentation that this debt has been paid to XXXX and that XXXX XXXX should no longer be reporting XX/XX/XXXX ( Via : CFPB Portal ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Our Reference No. XXXX XXXX Dear XXXX XXXX : Creditor XXXX XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX, PA XXXX Phone : XXXX | Fax : XXXX Hours of Operation : M-F XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX has received your complaint filed with the Consumer Financial Protection Bureau. XXXX has researched this matter and the findings are set forth below : The above-referenced account is closed as paid less than the balance owed in XXXX  system. It is XXXX  intent to have no further communication with you regarding this matter. Please direct further inquiries on the above account to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. 
Enclosed please find a copy of an account payment history with our office for the above account. Should there be a discrepancy, kindly contact us. 
XXXX has not reported the above-referenced account on your credit report. XXXX can not affect a change to how the creditor or any other company may have listed the account on your credit profile. 
We appreciate the opportunity to respond to your inquiry and provide you with the enclosed documentations. 
Very truly yours, XXXX Consumer Affairs XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX closed. XXXX XXXX. refer to client.doc ( Enclosures ) This is a communication from a debt collector. 
Calls to or from XXXX XXXX XXXX may be monitored or recorded for quality assurance. 
Page 1 of 1 XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PAYMENTS Amount/Split XXXX XXXX XXXX XXXX XXXX # Acct Typ Refno Client XXXX XXXXXXXX XXXX XXXXXXXX Subtype : XXXX XXXX XXXX XXXX XXXX Subtype : XXXX Date XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX END OF REPORT **
Product: Money transfer, virtual currency, or money service

Recently Coinbase, Coinbase Pro updated its terms of service with anti consumer verbiage. I did not agree to the new TOS. I was locked out of my account for 3 weeks with no contact from Coinbase. Coinbase stole multiple coins from my account. Coinbase entered into transactions without my consent. Coinbase refuses to provide any record of these transactions or a way for me to move coins offsite.
Product: Checking or savings account

The system won't allow me to register for online banking. I need to be able to access my accounts online.
Product: Mortgage

BetterXXXX engages in deceptive practices in the intake process for new mortgage applications. 

1 ) In its initial prompt, BetterXXXX states that it will perform a " soft credit check that won't affect [ borrower 's ] score ''. 
2 ) However the application process does not proceed further, as BetterXXXX states " We had difficulty checking [ borrower 's ] credit ''. 
3 ) One suggested solution is for a borrower to " unlock '' any security freeze at XXXX. 

Items 1 ) and 3 ) are self-contradicting, because a lender can pull a soft credit check without requiring unfreezing of credit. In fact, another prospective lender performed a soft pull on the credit report of the undersigned on XXXX XX/XX/year>, even though the undersigned has frozen his credit report at each of the three credit bureaus. For BetterXXXX to request unfreezing of credit freeze while promising to do " soft credit check '' is thus highly deceptive, and is a practice that could easily trick and harm another prospective borrower.
Product: Credit reporting or other personal consumer reports

XXXX Account number - XXXX Date opened XXXX XXXX, XXXX THIS ACCOUNT WAS CLOSED IN XXXX XXXX AND ITS Paid, Closed/Never late. BUT ITS SHOWING 3 LATE PAYMENTS ON XXXX XXXX AND XX/XX/XXXX ON TRANSUNION REPORT ONLY. OTHER 2 CREDIT BUREAUS HAS CORRECT INFORMATION.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX BANKDispute DEPT OF XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above
Product: Debt collection

ARS Account Resolution does not have a bond in Texas and can not legally collect a debt. They are violating the law and are completely disregarding the Fair Debt Collection Practices Act. This is my second complaint regarding this matter.      ARS  claimed to be a part of  XXXX   XXXX   XXXX   XXXX   XXXX , although the Texa s Secretary  of State does not have this information on file, which means that this company is using dishonesty as a scare tactic.     Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapte r 392 and may also be a criminal offense. Tex. Fin. Code 392.402.      I am in the process of filing a complaint with the BBB and the FTC for ARS Account Resolution 's BLATANT criminal behavior and underhanded attempts to try and break the law.    ARS is not LEGALLY able to collect any debt in TEXAS as ARS does NOT have a surety b ond, SO THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY or I will have to move forward with legal matters for  ARS 's failure to validate the debt, attempt at illegally collecting debt, and violation of HIPPA  laws.
Product: Payday loan, title loan, personal loan, or advance loan

Received offer to apply for a loan from Best Egg on XX/XX/year>. I applied, provided documents, was approved and received a summary of loan terms on the XXXX of XXXX. I agreed to the interest rate, term of the loan and the amount. I received no further documentation and the loan proceeds were deposited in my account. On the XXXX at XXXX am I called and requested TILA documents since I had not seen or signed them. Best Egg sent me unsigned TILA documents. During the phone call on the XXXX I asked about the recission period. The agent informed me that I had XXXX business days to request recission. That date would be XX/XX/XXXX. I called on the XX/XX/XXXX to rescind the loan based on the information I was given. Best Egg refused to allow me to rescind claiming that the recission period had lapsed after XXXX calendar days. When I referred to the phone call on the XXXX Best Egg lied saying they reviewed the recording of the call and that the agent had said that the recission period was XXXX calendar days. They violated TILA and they lied about the phone conversation. I want the loan rescinded based on the information I was given. As an aside when I finally got the TILA disclosures there is a paragraph that, contrary to the conflicting information I got both times, states that generally there is no recission period. That's the third version and the one I only received after the loan funded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, and XXXX at XXXX on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my Equifax credit report and XXXX  Credit report : " XXXX XXXX XXXX  '' Open Date XX/XX/XXXX Amount {$300.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report, and my XXXX credit report due to my identity been stolen.
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed the collection account of XXXX XXXX XXXX XXXX that erroneously appears on my TRANSUNION credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by TRANSUNION that they did not carry out an efficient investigation to determine that those accounts that appear on my XXXX XXXXXXXX XXXX XXXX credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these erroneous accounts that appear in TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the wrong information shown on TRANSUNION. XXXX XXXX XXXX XXXX Remove from my credit reportXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Remove from my credit
Product: Credit reporting or other personal consumer reports

Today Transunion sent me my credit report investigation results by mail.Stating they verified and updated, The information is the same inaccuracy, no change at all, I'm asking for XXXX XXXX, XXXX, XXXX to be deleted from my credit report. These three accounts was paid off on time years ago. XXXX deleted all three accounts do to deep dive investigation. Transunion need to do the same thing. I will not give up until these XXXXhree inaccuracy accounts are corrected or deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX [ Your Address ] [ City, State, Zip ] [ Email Address ] [ Phone Number ] XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint and Dispute Regarding Late Payments and Unlawful and Unconstitutional Forms of Payment Dear Sir/Madam, I am writing to express my concerns and dispute the late payment reports from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. As per the details provided by these institutions, I have been reported for late payments on the following accounts : 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. 

These late payment reports have negatively affected my credit standing. However, I dispute these charges based on my understanding of the United States Code ( UCC ) 3-501, House Joint Resolution 192 ( HJR-192 ), and the Fair Credit Reporting Act ( 15 USC 1681 ). 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, as per 15 USC 1681, I have the right to dispute the information in my credit report that I believe is inaccurate. I am exercising this right to challenge the late payment reports. 

Additionally, it seems that when taking a loan, this transaction is treated as an investment contract. As such, I request the Consumer Financial Protection Bureau ( CFPB ) to provide me with the 1099-OID form for these transactions. If the money I borrowed was created at the time of the loan being granted, then shouldn't I be seen as the issuer of this money? And if that is the case, how can I owe money when I am the issuer of it? 

I am seeking the CFPB 's help in providing clarity on this complex matter. I believe it's essential for all citizens to understand the nature of our monetary and financial system, including the constitutionality and legality of the forms of payment being used. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has removed the items below but have allowed the same companies to update the same information that's already been disputed and deleted. won't remove the following. 

XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  are reporting lower scores and incorrect info. 

XXXX XXXX XXXX XXXX  of XXXX XXXX  charter # XXXX I was told by two Women at the XXXX branch that I have been denied an auto loan that I absolutely qualify for, because of XXXX XXXX XXXX and other debt that was included in my Bankruptcy doing the recession over seven years ago. I was also told to consider a different bank because XXXX  dose't typically led to my " kind ''. 

I personally know and was referred to this credit union by several " XXXX  '' friends, family and even employees of this institution and several of them only have a XXXX  score with lots of debt, yet they were able to receive auto loans, mortgages and credit cards from your loan officers. 

I've been told by XXXX that the XXXX credit score to qualify is XXXX, I received a letter from XXXX  saying my XXXX  score is a XXXX. I have direct deposit with this financial institution, I make {$1000.00} per week and have zero loans or debt. 

Please consider taking a second look at this matter, because after further review and conversation with other credit unions, attorneys and city officials I've been informed that this is direct power thrusting and discrimination by someone with " XXXX   privilege '' being in a position to deny me because I'm a XXXX American and that's the only reason.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud.See attached.
Product: Credit card or prepaid card

the use of misleading terms designed to confuse or create a false belief, according to title 15 of the U.S. Code section 1692j leading to fraud on many counts.

Also, abusive debt collection practices as described in title 15 U.S. Code section 1692 ( a ) with the design to extort funds from people for debts that has already been paid.
Product: Debt collection

Phone calls not even sure what this debt is, keeps calling former spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 3 inquiries that I neither authorized nor had any connection with. On XX/XX/2022, XX/XX/2022, and XX/XX/2022, XXXX performed a Hard inquiry on my Equifax credit report. Upon contacting XXXX I was informed this was a bank that I have no personal account with or connection. Therefore due to this inquiry not being authorized, I requested to have this removed from Equifax at which time they informed me that I need to complete this report.
Product: Credit reporting 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. 

Account Name : 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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

On XX/XX/2018 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX XXXX! They made inquiries for over 30 days attempting to finance my purchase with over 12-14 companies which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.
Product: Credit reporting 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. 

I told the Experian, XXXX, and XXXX, XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX to reinvestigate these accounts 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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, credit repair services, or other personal consumer reports

Howdy, This is XXXX XXXX, I unfortunately became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Product: Mortgage

all started with receiving a call from tax office for non paid XXXX  taxes. then the insurance got canceled for non payment. first my mortgage company denied the credits they received from previous lender after proving them they said they would solve it still taxes and insurance not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.
Product: Prepaid card

I can not use my card anywhere, it keeps declining, but there is money on this card.