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

Hello I initially deposited XXXX via XXXX on XX/XX/XXXX I could not use the funds in Coinbase to pay or move out so I initiated a dispute with XXXX. They reversed the payment upon dispute. On Saturday, I contacted XXXX to unreverse the charge and they confirmed it was sent back to you. See attached. The initial deposit of XXXX ( XXXX after fees ). This would cover the charge on my account of XXXX and leave the remaining XXXX in my account. 

At initial time of dispute and reversal, Coinbase charged XXXX out of my balance and left me a bill for XXXX XXXX 

Upon contacting XXXX and then confirming. This money in the initial deposit was resent to you on my behalf and the dispute closed. The initial XXXX $ and they emailed you XXXX times. 

Now Coinbase customer support has failed to understand or help me and claims Ive only paid XXXX and owe XXXX but I should have a XXXX balance in the account. XXXX returned the XX/XX/XXXX deposit as if the reversal never happened. 
I ask XXXX last time for you to not steal my money, update the account to where it was before with a XXXX $ usd balance and the remaining amount covers the charge initialed by you upon initial reversal that was since fixed and resent the funds to you. XXXX even emailed you theee times to confirm. 

Please give me my XXXX $ back to my account or refund it to my XXXX. This has been pure XXXX for XXXX days and the customer service reps have been no help and I am out XXXX XXXX because you havent updated my account with the deposit. They just claim I owe for it and my XXXX $ deposit sent back to them seems to cease to exist to Coinbase. They are trying to scam me of my funds
Product: Debt collection

After reviewing my credit report, I identified several accounts that were added without my knowledge. Please take immediate steps to block and remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

XXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX XXXX  acct. # XXXXXXXX XXXX XXXX  acct. # XXXX 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.

15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

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

XXXX dollar medical debt was reported on my credit which I paid in 2015 before I bought my house ( its showing paid right now as well ) and I was promised by debt collector company over the phone that I would get a deletion letter and it would be deleted .However it never happened .they never erased it from my report and when I called back they laughed at me and they were very rude and hung up on me .Now 5 years later Im trying to buy another house and its still hurting my credit and cant get the interest rate that I should .My lender wants it eliminated from my report as it would help me out .Please help
Product: Student loan

Back in XX/XX/XXXX I applied for Income Drive Repayment. I received an email XX/XX/XXXX letting me know based on my income I would be on a Pay as you Earn Plan and my payments would be totaling XXXX. In XX/XX/XXXX I was hit with a bill for XXXX. When I called they assured me that I did not need to make this payment and their supervisor 's were looking into it but they had no idea why that was happening. They took me off direct debit and told me NOT to make the payment. When it still was not resolved in XX/XX/XXXX I called again. This time I asked to talk to a supervisor. The supervisor I talked to basically told me there were two bills in XX/XX/XXXX one for my PAYE amount of XXXX and another large one that made the total over {$800.00} and because I did n't make the payment of XXXX that it was my fault the issue still had n't been resolved! She told me to keep making the payments of my approved PAYE amount but my account still says I am past due and I owe XXXX. On top of my past due amount my account now says I owe XXXX for the month of XX/XX/XXXX. I have no idea where they are getting this number? It is not what I was approved to pay. I have called several times and each time they tell me something different about my loan total. I just want the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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, has violated my rights. 


15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Hello. Synchrony Bank closed my cards, sent me a letter stating they closed all my accounts due to them, under the prediction I would, not be able to pay my bill. But, mind you, I have never been late on any of my accounts, always paid more than minimum. They have a list of all my accounts, I had numerous. I would like for them to commence, to opening up my credit cards with the limits I had prior to them closing my accounts without merit.. Thanks alot
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

In XX/XX/2017, I financed approximately {$350.00} with XXXX XXXX, due to financial hardship. I was unaware that I would be charged roughly {$700.00} in interest. Due to health issues I defaulted on this and was unable to make my first payment. I called and explained my health issues and my inability to pay. They continued to call me aggressively ( at least 2 to 3 times daily ) ; this was after I tried to work out a payment plan. I was able to get a job in XXXX and despite my efforts to work out a reasonable payment, they continued to pursue me and harass me aggressively. I have made {$50.00} in payments due them and noticed they continued to add interest, AFTER I was delinquent/defaulted on loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both the financial institution " XXXX XXXX '' and the Consumer Reporting Agencies involved, have violated my rights as a consumer under the US Code, Title 15 USC 1681b ( a ) ( 2 ). I have never given written consent for this information to be shared or furnished on any public domain. They have also violated my rights under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by publishing information regarding transactions between the consumer and the reporter. 
They have published an alleged late payment as XXXX days late in the month of XXXX, 2020. 
I have filed disputes directly with the XXXX  and had no resolution. 
I have also called XXXX XXXX and spoken directly with a representative while still reaching no resolve. 
This information has repeatedly hindered my ability to operate in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft starting in XX/XX/2019. I viewed my Equifax credit report about a month ago, and again a day ago, and there are four ( 4-XXXX XXXX, XXXX XXXX, XXXX, XXXX ) fraud identity theft inquiries on my Equifax credit report that Equifax has failed to delete, even though the financial companies have reported to the credit reporting agencies to delete the inquiries months ago. 

I wrote to Equifax on XX/XX/2019 providing them with documentation supporting the deletion of these inquiries. I sent the paperwork using USPS Priority Mail. They received the information on XX/XX/2019 XXXX. Instead of processing my request, Equifax sent me a canned letter response requesting my personal information, which I have sent multiple times already since XX/XX/2019. What have they done with my personal information? I have previously sent them the XXXX XXXX Identity Theft Affidavit, FBI IC3 filing, and FTC identitytheft.gov filing as well. I even have a profile set up on their system with an identity theft alert. 

On XX/XX/2019 I responded to Equifax sending them my personal information ( again!! ), along with the original supporting paperwork, and a cover letter. I sent the documentation USPS Priority Mail and it was received on XX/XX/2019 XXXX. Again, Equifax sends me a canned response letter requesting my personal information!! I received this letter XX/XX/2019. What did Equifax do with my personal information and supporting paperwork that I sent to them and they received on XX/XX/2019? 

The other two ( 2 ) credit reporting agencies, XXXX  and XXXX, deleted these inquiries months ago, AND I received an acknowledgment in the mail that they had done so. But Equifax has failed to delete these four ( 4 ) fraud identity theft inquiries. 

So, in frustration, I am filing this claim wth CFPB to get this issue resolved, rather than just recieve another Equifax canned letter requesting my personal information.
Product: Credit reporting

Experian is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Experian is violating provisions of the FDCPA by implying that the legal status of XXXX ( XXXX ) debts are collectible by reporting the alleged debts on my credit report. The exact statute is 15 USC 1692e, ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Experian does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Experian may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Experian is willfully and knowingly violating germane Colorado statutes by publishing defamatory and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out multiple disputes never acknowledge my issues that I addressed by letters. 
XX/XX/XXXX and XX/XX/XXXX and XX/XX/11 this letters were not taking into consideration. I feel like my issues are being neglected on the behalf of the credit bureaus. 
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  ) this accounts are showing inaccurate with the incorrect date, and also not entered in the dispute status
Product: Mortgage

We filed a complaint last year with you about our mortgage company Nationstar Mortgage LLC, reference ( Case number : XXXX ). It appeared that the problem was finally fixed in the " resolution letter '' that we received on XXXX. However our statement that came on XXXX, after we had made XXXX payments toward escrow had gone up. The correct escrow balance should have shown - {$2400.00}, but the balance on the XXXX statement was - {$4000.00}!?!?!?! We are not sure how, after making payments to fix the negative escrow balance, that the amount jumped up so high. We have been on the phone and emailing constantly with Nationstar to try and get this issue fixed with no luck. We never talk to the same person twice and were told by XXXX different people that our account would go back into research to be fixed, to find out they never submitted anything. The 3rd time we tried to get it back into research the request was finally submitted, but the number the research department came back with was still way to high???
Product: Credit reporting, credit repair services, or other personal consumer reports

It is extremely hard to contact a human being with trans union and when I do have to be extremely XXXX   to get anything moving. Reported wrong or false employer. I have worked for the same company for some time now and am absolutely XXXX  with all the false reporting that has been tied to my social security number in the past couple years. It needs to be fixed before I need to apply for anything else. I need it removed immediately or I will have to go after trans union for fair credit reporting act. Thanks guys. XXXX.
Product: Debt collection

XXXX, XXXX continues to attempt to collect a debt on behalf of XXXX XXXX XXXX that has already been paid. The total is {$350.00}. XXXX 's response was that the proof of payment I sent in was for a different account : XXXX and because it was a wrong account, XXXX XXXX XXXX provided me with a credit. That is simply not true. The proof of payment which I include again here shows the following account number on the memo detail as provided by XXXX XXXX : XXXX - that is the account XXXX is attempting to collect for. If XXXX XXXX XXXX did not log the payment correctly despite the clear indication in the memo section that it was for the XXXX account, that is a XXXX XXXX XXXX issue. In fact XXXX has confirmed with me that they had not correctly logged it. If XXXX says I got a credit of {$350.00} and as such continues to collect, I have a right to see the proof of credit/cashed check. I called XXXX and stated that I have a proof of payment from my bank which shows I paid the {$350.00} and that the XXXX is clearly on the proof of payment. XXXX agent XXXX stated that XXXX XXXX XXXX said they never received payment and speaks of the same credit. 

XXXX states I received a credit however shows no proof of credit or any cashed check by me but I will review if they provide it. If XXXX is going to reply to this complaint, I would like proof of these credits in the form of cashed checks. That will help sort it out. I also include herein the cashed check with the account number XXXX  is attempting to collect. 

I oversee a legal department and am familiar with Debt Collection practices and the rights afforded to consumers. I expect not to just receive a reply saying I got a credit w/o supporting documentation of a cashed check. Simply stating one was mailed or given w/o proof of receipt in the form of cashed check is insufficient. 

Those attempting to collect the debt : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , Mo XXXX account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX account number : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , KY XXXX
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 right to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX and also XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX and also XXXX # XXXX child support informant XXXX # XXXX and also XXXX # XXXX violated my rights. I looked at my XXXX  credit report XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to15 usc 1681 ( e ) ( b ) 1 ) 15 usc 1681 section 602 ( a ) states I have the right to privacy.

2 ) 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish a account without my written consent.

3 ) 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

4 ) 15 usc 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: Debt collection

Unbeknown to me my wages started to get garnished by Columbia Debt Recovery XX/XX/XXXX. I have  been away from work since XXXX on short term XXXX and the company sent documents to my work and I never received them until after the garnishment started. I was not provided legal documents to my resident address or no attempt via phone. If I was properly provided a 30 day notice letter I would have taken the necessary steps to dispute the unk collection. They garnished my wages at 25 % and I have been evicted from my residence due to the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief. Ive submited a FTC report and a CFPB report over 30days ago. The law says FCRA 605B ( 15 U.S.C. 1681cXXXX ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Its been past XXXX business days clearly and conspicuously. I demand you block the folowing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/2021 XXXX XXXX Inquiry date XX/XX/2021 XXXX
Product: Checking or savings account

I am a XXXX XXXX XXXX  and my husband and I are in the US under XXXX XXXX and XXXX XXXX  respectively. On XX/XX/year> we opened 3 bank accounts in Chase bank, 2 personal checking accounts and 1 joint savings account. In these we deposited over {$6000.00} total between the 2 checking accounts and {$8000.00} in cash in the savings account. The university doesn't accept payments in cash. That's why we needed to put the funds in the bank.The banker, who has explicitly said he takes full responsibility for his actions, checked the XXXX  box when opening the accounts. This meant that because we were XXXX, the bank started requesting XXXX  forms of identification other than our passports, XXXX, XXXX and XXXX forms, which are the documents we hold since we are not immigrants. Three days after the accounts were opened they were blocked and placed under the control of XXXX, given that again, we are from XXXX. Even though the bank kept restricting our access to the accounts between XXXX XXXX XXXX they never informed us that the next step would be freezing our accounts. Every time that happened we went to the branch offices and the banker would bouch for us on the phone and we would regain access to them.They never disclosed the conflict between our XXXX  status and having accounts opened in Chase bank given our nationalities. They never asked us if our XXXX  were XXXX  or XXXX XXXX. After placing the restriction the bank informed us that they would close our accounts and send us cashier checks on the mail to our address with the total sum of our funds, but they never did. That waiting time delayed us a month in taking any actions to solve our problem. It wasn't until XXXX that they informed us about XXXX taking control over our funds. 
As a result of these events we were left with no money to live. I haven't been able to pay the XXXX  tuition and now I'm facing probable expulsion from the XXXX XXXX program. If this happens we would have to leave the country. We are living under minimal conditions, barely making ends meet. Prioritizing food and shelter because anything else is a luxury right now. We are facing extreme financial hardship and now we also owe money to family and friends since only by borrowing money we have been able to pay bills.The remaining protocol to regain access to our funds now is to file an XXXX licensing. This could take months and even a year since they have to analyze and judge our case. The lack of transparency on their policy from the bank led us here. They asked us to call different offices from Chase corporation to request information and they all had different opinions and information about our situation. Some representatives said we could withdraw our funds and some didi n't even understand the protocols the bank was following. We have been abandoned to our luck and deprived of our money, which only purpose was to pay for my studies and our living expenses here.
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it was made clear that XXXX credit bureaus are not impeding records. I am forwarding this Complaint to assist in laying out a lawful response, as required by FCRA regulation 605b. If you do not object to the following items listed below, which are responding incorrectly due to fraud, I will turn over my records to my lawyer to launch a legal action. It is my intention not to pursue any legitimate activity, so if it is not too much trouble, follow the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXXXXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft to the 3 credit reporting bureaus ( twice ) some of the items were removed, including unauthorized inquires from the theft. Two accounts are still showing and some of the inquires. I sent out the identity theft report at the end of XX/XX/XXXX via certified, for the second time and requested these items to be block and/or removed per my rights granted by the Fair Credit Reporting Act, which clearly states that these item should be removed within 5 business days for the date of receipt. By the credit bureaus. As of XX/XX/XXXX there are two accounts, that haven't been address. Which are XXXX XXXX and XXXX XXXX XXXX, as well as all the inquiries for accounts that were issued to my credit file and inquires that are showing for account that weren't issued nor were they authorized. 

XXXX has removed all of the items, except a XXXX XXXX inquiry for XX/XX/XXXX. Which is a new inquiry, but they have conducted themselves in the correct manner, as based on the FCRA. 

I have attached a copy of the Identity Report, that was filed and delivered to the credit bureaus. They are picking and choosing which account to remove, when they have clear instructions and time-frame, in which these items are to be removed and/or blocked.