23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collection account on my credit report. I found it a month ago when I was auditing my credit report that I do once a year. It states that this company CCS Companies credit collection has an amount due of {$290.00} from XXXX. I have cancelled this car insurance then I transferred to another company. This company then sent an amount to collections, this is a deceptive business practice. I find this collection on my credit report months later, there is no notification nor answer from the collection company. This is incorrect, I never received mail regarding this issue. The company has failed to notify me, nor allow me to dispute this within the 30 day period. I have attempted to call the company, Sent mail, no response. There is no email address. The automated system just says that someone will be with you in about 3 minutes but on hold for hours, attempted for several weeks on different days and times to call this company. This is done to increase the amount owed and prevent dispute. This company did not due its due diligence in notification or verification of amount owed. 
I have called this number below which I found on my credit report then XXXX  to find their website. They are purposely not answering their phones to prevent communication with customers : If you believe you have a collection account with this office, please call : Credit Collection Services : XXXX x XXXX
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Coinbase, a cryptocurrency exchange platform, regarding a series of alarming issues that I have recently encountered. The purpose of this complaint is to bring to your attention the deceptive practices and unresolved concerns I have faced as a customer, and to seek your assistance in resolving this matter promptly. 

On XX/XX/XXXX, I made a purchase of {$2000.00} USD worth of USDC on Coinbase. At no point during the transaction process was I presented with any prompt or message indicating that my funds would be subjected to a lengthy hold period until XX/XX/XXXX. Had I been aware of this excessive hold period, I would not have proceeded with the purchase in the first place. This lack of transparent communication is deeply concerning and undermines my trust in the platform. 

To my utter dismay, on XX/XX/XXXX, when I checked my Coinbase account, I was shocked to discover that my funds were locked in a hold period until XX/XX/XXXX. I reached out to Coinbase 's customer support for assistance, only to be met with complete unhelpfulness and indifference. The lack of responsiveness and support from Coinbase 's customer service team has left me feeling utterly disregarded and disheartened. 

In an attempt to retrieve my funds and explore alternative platforms for my transactions, I promptly sold the XXXX USDC on XX/XX/XXXX. However, to my disbelief, Coinbase prevented me from withdrawing the money into my source bank account. This further adds to the already distressing situation and raises serious concerns about the platform 's commitment to customer satisfaction. 

What is even more disconcerting is that Coinbase informed me about the restriction on my account only after I had made the purchase. Prior to and during the purchase process, there was no mention of any restrictions whatsoever. This deceptive practice, coupled with the subsequent lack of transparency about the reason for the restriction, raises significant ethical questions about Coinbase 's business practices. 

I implore the CFPB to investigate this matter thoroughly and take necessary actions to rectify the situation. I am seeking your assistance in recovering my funds from Coinbase, as I firmly believe that such deceptive practices and lack of accountability should not be allowed to persist. 

I earnestly request the CFPB 's intervention to ensure a fair and just resolution of this issue. I trust in your commitment to safeguard consumers ' rights and uphold the principles of transparency and accountability in the marketplace. 

Thank you for your attention to this urgent matter. I eagerly await your response and hope for a swift resolution.
Product: Money transfer, virtual currency, or money service

Issued withdrawal on BlockFi account on XX/XX/22 at XXXXXXXX XXXX XXXX, prior to BlockFi announcing withdrawals was no longer offering withdrawals until further notice on XX/XX/22 at XXXXXXXX XXXX XXXX. I called on XX/XX/22 to phone support and could not get through. Phone support has ceased. I created XXXX tickets ( XX/XX/22 ; XX/XX/22 ; XX/XX/22 ) and have not heard back from BlockFi. Withdrawal status is " Pending '' as of this writing.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my social security has been used to apply for " XXXX XXXX '' without my knowledge. 

XXXX XXXX XXXX XXXX XXXX' used my social security for an application on XX/XX/XXXX. 
XXXX XXXX XXXX used my social security number for an application on XX/XX/XXXX. 
" XXXX XXXX' used my social security for an application on XX/XX/XXXX. 

My identity has been stolen and have been used for years and I had filed a police report and and identity theft form as well. I've explained this to the credit Bureaus and these inquires still remain on my credit report.
Product: Vehicle loan or lease

Recently I went to acquire a new vehicle for my own personal use for school and picking up my children to drop them off to and from. On XX/XX/XXXX I called DriveTime in an effort to purchase a vehicle and I went over all the details to make sure I was good before I got there ( as I had an appointment the next day ). They then explained to me as of recent they do not accept income that shows from any rideshare company but later changed it to say they don't accept any food delivery income as well. I proceed to state to them this is a personal use vehicle and not for commercial purposes and therefore I should not be discriminated on what I may or may not do with the vehicle. Also, I told them that it isn't rideshare and what someone does for a living shouldn't affect their chances at a vehicle. Furthermore, I explained I own already two vehicles so how is this affecting me from buying a car. This shouldn't happen and further consumers should be protected as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2019 I sent a certified letter to XXXX, Equifax and XXXX informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.
Product: Mortgage

A HELOC loan on the property is {$390000.00} with Boeing Employees Credit Union ( BECU ) at 8.99 %. The payment is {$4100.00} per month. The initial line of credit of {$200000.00} had a balance of {$190000.00} which included terms of interest only for 10 years. Approximately {$30000.00} of the loan proceeds were used to retrofit my home for XXXX use and XXXX access. {$160000.00} was borrowed as part of a fraudulent romance con romance catfishing involving inherited jewelry. I received a {$200000.00} cashiers check by the perpetrators financial advisor XXXX XXXX. It was deposited into BECU on XX/XX/year>. BECU cleared the deposit overnight and the funds were available XX/XX/XXXX. My understanding from the BECU teller was that BECU had cleared the cashiers check and the funds were good. XXXX XXXX or requested {$200000.00} in cashiers checks be sent from me on XX/XX/year> and in exchange, he would send me a {$400000.00} check. After {$200000.00} in BECU cashiers checks were sent out to third parties, BECU informed me on XX/XX/XXXX that the original cashiers check was fraudulent.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX charge-off Balance {$3000.00} XXXXXXXX XXXX XXXX XXXX charge-off Balance {$5900.00} XXXXXXXX XXXX  XXXX XXXX charge-off Balance {$6000.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Fortiva Credit Card endorsed by XXXX XXXX : Yearly fee was applied to the account without my notice ( also no balance was held ). New to me as the account was not charged this yearly fee the previous year. Fee was also not marked as a transaction, so could not identify it as a charge. 

Card closures take days. 

Exorbitant interest rates.
Product: Debt collection

I was robbed in XXXX. Ever since then, credit cards, an apartment, and a car loan has been showing up on my credit. I have never owned nor applied for a credit card especially given the fact that I have been in and out of prison twice in the past 10 years. I haven't even had the chance to actually build and utilize my credit. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the Navient Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked Navient to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate items reported on my credit file by XXXX. At the beginning of XX/XX/2024, I discovered that I was a victim of identity theft. On XXXX XXXX, I filed an FTC Identity Theft Report to document the fraudulent activity. Subsequently, on XX/XX/2024, I created multiple disputes with XXXX under the identity theft reporting process, providing all necessary supporting documentation. 

Despite these efforts, the inaccurate items remain unresolved. The credit reporting agency has failed to act in compliance with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 605B, credit reporting agencies are required to block information resulting from identity theft within 4 business days after receiving proof of identity theft. Additionally, the FCRA mandates that credit reporting agencies must either verify disputed information as accurate or remove it promptly if they can not substantiate it. As of XX/XX/2024 XXXX has failed to comply with these requirements. 

This delay is causing undue hardship and potential harm to my creditworthiness. I am seeking your assistance in holding XXXX accountable for their noncompliance with federal law. Specifically, I request that the inaccurate items on my credit report be removed immediately and that XXXX comply with the FCRAs requirements to address disputes and identity theft claims promptly. 

Thank you for your time and attention to this matter. Please let me know if additional details or documentation are required to assist in resolving this issue.
Product: Credit reporting or other personal consumer reports

on XXXX, am writing to report fraudulent activity on my XXXX XXXX XXXX XXXX account, as protected under the following USC codes : USC 15 : Fair Credit Reporting Act ( FCRA ) - Pertaining to consumer rights and responsibilities in credit reporting. 
USC 1681b : FCRA Section 1681b - Addresses permissible purposes for consumer reports, ensuring accuracy, fairness, and privacy. 
USC 1666b : Electronic Fund Transfer Act ( EFTA ) - Protects consumers from unauthorized electronic fund transfers, including those on credit cards. 
USC 1692c : Fair Debt Collection Practices Act ( FDCPA ) - Regulates communication in connection with debt collection, including validation of debts. 
On [ date ], I noticed unauthorized transactions on my account with XXXX XXXX XXXX XXXX totaling [ amount ]. These transactions were not made by me and are therefore fraudulent. 

Upon discovering these unauthorized transactions, I immediately contacted XXXX XXXX 's customer service department on [ date ]. I spoke with a representative and informed them of the fraudulent activity on my account. I requested that the unauthorized charges be investigated and removed from my account. 

The representative assured me that they would initiate an investigation into the fraudulent charges and advised me to monitor my account for any further suspicious activity. They also provided me with information on how to dispute the charges and provided me with a reference number for the case. 

I have since been vigilant in monitoring my account for any additional unauthorized transactions. However, despite my efforts, I have not received any updates from XXXX XXXX regarding the status of the investigation or the resolution of the fraudulent charges. 

I am deeply concerned about the security of my account and the potential for further unauthorized activity. I urge XXXX XXXX to expedite their investigation into this matter and take the necessary steps to rectify the fraudulent charges on my account. XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$710.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed No Information Furthermore, I request that Equifax be notified of the account I am disputing and take appropriate actions to rectify any inaccuracies on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX These USC codes are pertinent to the resolution of this matter and should be considered during the investigation process.
Product: Credit card or prepaid card

On X/XX/18 there was a Walmart credit card opened with my stolen identity and I found out by XXXX XXXX saying I had a hard inquiry on my credit report. I called and spoke to a representative about closing this fraudulent account and they said I should get a letter in the mail within 30 days, and it could take 30-60 days for the card to be shut down and removed. I feel there should be more protective measures to make it harder for someone to open a credit card especially when I have shopped online they should have matched up my info and sent me an email or alert through the Walmart app.
Product: Mortgage

On XX/XX/2014 I have refinanced my second house ( Condo ) in XXXX Florida with XXXX XXXX XXXX and mortgage included escrow account which covered taxes and insurance along with the interest and insurance. I was making regular monthly payments for entire amount which included taxes and insurance and never been late with my payments until my mortgage company lost my property due to non payment of property taxes. In meantime I had moved and County clerk sent a foreclosure notice to my old address but I never received it and was returned back to the county clerk as non deliverable. County Clerk also send notices to the Lender but they failed to make any payments ( even dough they have received my payments on monthly basis. ) and my property sold to the highest bidder at a tax foreclosure sale auction. When lender found out that they lost my property to contacted me to see if I would take the property back if they can reverse the foreclosure sale. I agreed to take it back if they can reverse the sale. They went to court for over 2 years and they lost the case and winning bidder still owns the property. I tried to negotiate with my mortgage but they don't want to compensate me for any losses or give me any money for damages. Only thing they offered is wipe out the loan principle balance. I am in court with them trying to get any relief from them. I just got to know about your company and now I am reaching out to you if you may help me with this matter. Address of my property that I lost isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit card

PNC bank dropped my credit line from XXXX to XXXX. When I called their customer service the woman I spoke with refused to provide me with a reason. I checked my credit report on XX/XX/2024 and I have an exceptional payment history listed with all my creditors. Since PNC pulled this move my credit score has dropped. This is utter nonsense that a creditor can drop someone's credit line with no notice and without a valid reason.
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Product: Student loan

Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I signed up for FREE services from Credit Karma. I was sent an email from Credit Karma saying that my credit score went down. So I logged into Credit Karma. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services?

Then 8 days later I get charged {$22.00} by XXXX. I called them and they said by checking my credit report that day on Credit Karma that signed me up for credit monitoring for {$22.00} a month.

This is ridiculous! They are taking advantage of EVERYONE. Credit Karma says they are free but they charged me {$2.00}. Then XXXX signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal!

Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!
Product: Debt collection

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell JPMCB AUTO to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

JPMCB AUTO Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX i hereby dispute the validity of the alleged debt listed above Entirely, Also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT, Agreenents must be with the original creditor and signed by all parties involved. Iam requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that accurate and complete thank you, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21 an inquiry posted to my credit report via XXXX from Capital One. I did not apply for anything with Capital One. I called Capital One and spoke with four different people. These calls were made on XX/XX/21 between XXXX CST and XXXX CST. After no luck, I reached out to XXXX and placed a fraud alert on my credit report ( I was told that would span across all three bureaus ). I also reported the fraudulent credit inquiry from Capital One. 

I would like this activity to be investigated. I did not apply for anything with Capital One. 

Thank you