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

On XX/XX/2018 coinbase locked my account out. Its now been 5 days and I have contacted them numerous times just to be given the run around. I have {$1600.00} i sent over to send to my bank and they decided to lock my account out to where i cant even send the bitcoins back to my original wallet. Please help as coinbase has scammed me!!!
Product: Debt collection

This account is reporting on my credit and i have no idea of this balance being owed as I have not owned a XXXX account. I have been a victim of Identity Theft in 2012 and over the past 24 months I have come across accounts opened and reporting negatively on my credit that were not opened by myself. I have repeatedly requested verification for the account but this company has failed to conform and supply me with information to validate or disprove the account. I ask for assistance and re request full details of how this account was opened ; where and what identification was used for its opening.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft from a Equifax data breach some years ago ( I believe 2015 ). I have been attempting to resolve this issue for several years, however the credit bureaus have refused to remove the fraudulent accounts. Due to this misreporting, I have lost job opportunities, I have not been able to qualify for a home and denied credit. My privacy and security has been violated with no recourse. I have attached my identity theft report and other supporting documents to support my claim. These accounts need to be removed immediately.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXX  XXXX XXXX GA XXXX My only employer is XXXX  XXXX XXXX XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file.

Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 
Sincerely,
Product: Checking or savings account

I have a business and I bank with Chase. My deposits in the total of XXXX was slowly being processed through the weekend. My account was in the positive before I went to bed and I awoke and it was in the negative. I was charged a cluster of 5 over draft fees because the banks system didn't catch it in time. However be mindful I was in the positive when I checked the account before I went to bed. I contacted the bank to get a courtesy refund, seeing that it was a harmless system error. As a business it would seem that there would be a courtesy so we can continue to do good business and be valued customers. However, we spoke to many bankers and managers and were told they could not override the system and are only able to reverse one fee. The rest of the fees is what keeps my balance negative currently.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and misleading information that Experian has furnished and/or reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o concerning civil liability for negligence and non-compliance.

Upon reviewing my consumer credit report, I discovered the following inaccuracies : XXXX XXXX  - Account Number - XXXX XXXX. XXXX XXXX  XXXX XXXX - Account Number - XXXX XXXX. XXXX XXXX XXXX - Account Number - XXXXXXXX XXXX XXXX XXXX - Account Number - XXXX XXXX. XXXX XXXX - Account Number - XXXX XXXX. XXXXXXXX XXXX  - Account Number - XXXXXXXX XXXX XXXX XXXX XXXX DISCHARED I have disputed these items on several occasions, yet no corrective action has been taken. Experian 's repeated failure to address these disputes and ensure the accuracy of my credit information demonstrates a blatant disregard for their obligations under the FCRA. This pattern of non-compliance has directly caused harm to my creditworthiness and financial reputation. 
Under the FCRA : 1.15 U.S.C. 1681e ( b ) requires furnishers and consumer reporting agencies to maintain reasonable procedures to assure the maximum possible accuracy of consumer information.

2.15 U.S.C. 1681i ( a ) mandates a reasonable reinvestigation upon notification of a dispute.

3.15 U.S.C. 1681o holds entities liable for actual damages resulting from negligent non-compliance, including costs and attorneys fees.

By failing to properly investigate and correct these inaccuracies, despite my repeated disputes, Experian 's actions clearly constitute negligence and willful non-compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to credit agencies several times that my name reporting is wrong. I have called, fax documents and nothing has been done. I have only had 2 legal names in my life one is XXXX XXXX XXXX and my married name is XXXX XXXX, I have never used any other names, like you guys report in my credit, I need for equifax to comply with my request and please, move forward with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I was told this issue would be taken care of and totally banboozle by this company XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$910.00}
Product: Credit reporting or other personal consumer reports

This address XXXX XXXX XXXX XXXX GA XXXX is not mines I have never stayed in XXXX Ga in my entire life. my social does not end in XXXX please remove both or i will be forced to file legal actions. These are not associated with me I have already provided company with a ftc report and copy of my social.
Product: Mortgage

In XXXX, XXXX XXXX XXXX XXXX XXXX, filed a foreclosure action against me and my husband. A Final Judgment of foreclosure was entered since we did not get notice of the hearing date. My husband and I were able to reinstate the loan in the amount of {$56000.00}, made payable to XXXX XXXX XXXX as the loan servicer. We were given the amount to reinstate the loan from Impac Mortgage Company since they were the trustee for this loan. The Final Judgment was vacated on XXXX/XXXX/XXXX, ( attached ) and we kept waiting to get the new payment amount, which never came through, despite repeated requests. ( attached ) Despite not having a new payment schedule, we kept paying whatever was requested initially : XXXX XXXX, XXXX - {$4100.00} - online payment XXXX XXXX, XXXX - {$5600.00} - online payment By XXXX of XXXX, the payment had gone up to {$19000.00}, which we could not pay. 
We kept receiving notices from Impac Mortgage Company to assist with the loan modification, and since we were getting nowhere with XXXX, so we contacted Impac Mortgage for the modification assistance. 
On three separate occasions, Impac Mortgage requested a fee for the modification, which was paid on the following : XXXX/XXXX/XXXX - {$2300.00} modification fee - {$1400.00} on a credit card and {$900.00} on another credit card. The loan modification actually went through and the paperwork was signed and submitted to XXXX XXXX XXXX with a payment amount of {$2200.00}, which was accepted as well as the second payment of {$2200.00}. I made the third payment of {$2200.00} ; however, XXXX XXXX XXXX refused to accept it. 
XXXX/XXXX/XXXX - {$2200.00} modification fee - credit card payment XXXX/XXXX/XXXX - {$2400.00} modification fee - paid by check ; everything was submitted as requested but Impact kept changing their mind of how they wanted the funds received. One letter stated the funds could be sent by check and then another correspondence was the funds had to be certified and/or wired. Even though a check was sent, it was then refused. 
By XXXX XXXX, another foreclosure action had been filed. We attended mediation where we were to submit the required documents. We then went to trial on XXXX XXXX, XXXX and we were given 150 days to complete the modification. Despite from the time of the first mediation in XXXX XXXX until XXXX XXXX, XXXX, we submitted the modification packet no less than 15 - 16 separate occasions Despite all of our efforts, we were notified on XXXX XXXX, XXXX that loan modification was not approved. feel as though I have been completely scammed by both XXXX XXXX XXXX and Impac Mortgage. Both kept dragging this process out and increasing the interest rate and the fees to make it impossible for us to keep our home.
Product: Credit card

I received a hard inquiry on my credit and a letter in the mail stating that I was denied a card for Sephora due to possible fraud. This letter came to my mailing address. I knew nothing of this application and immediately contacted the number provided in the denial letter in attempt to try to track the person who did this and file a police report so it cant be done again. I have been a victim of this in the at the hands of my sons father and nothing was done to rectify this error. I was forced to pay for what he had done placing a gas bill and credit card in my name or I would not be able to use the companys services going forward.
Product: Credit card

made a vacation purchase for my whole family in XXXX. The advertisements shown were beautiful rooms with kitchens, air conditioning, balcony 's luxury vacation. 

Bait and switch. we arrived the rooms were flood damaged, water leaking through roofs into our rooms, black mold, cockroaches, lights and appliances didnt work, doors that would no open or close. Entire family was sick. Cancelation policy stated we could cancel minus one night stay hotel would not honor it nor would Capital One acknowledge it. Capital One issues a permanent credit to me then rescinded it and they are in collusion with the XXXX XXXX  through their travel program. Letter attached from Capital one. This was on XX/XX/year>. Two days later they rescinded it and sent it back to my account. I sent four letters to Capital one asking about it and they have no responded to any. They dont want to talk about the letter. 

I have made every attempt at the hotel to get the XXXX to assist us and afterwards. Capital one is bias and it doesn't matter what info is submitted they will not dispute the transaction or explain why they said the refund to me was awarded in my favor then rescinded it with out any explanation. Fraudulent behavior from Capital one. Their business relationship with XXXX through their travel program is Bias and they should recuse themselves.
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase of {$62.00} at a XXXX XXXX in XXXX XXXX, CA. On XX/XX/2021 I attempted to login to my account online to pay my balance but was unable to do so because the online system appeared to be down. I then made a payment by phone to make sure that a payment would be made on time. I was told that my payment had been received and I received a confirmation number of XXXX. On XX/XX/2021 this payment however was rejected apparently because I incorrectly entered my bank account information due to honest error. I was NOT notified that the payment had been rejected. I received a phone call from XXXX  ( XXXX ) on XX/XX/2021 to inform me that my Target XXXX  balance had accrued about {$31.00} in interest and a late fee ( bringing the balance to {$94.00} ) and had been sent to collections. At no point between XX/XX/XXXX and XX/XX/XXXX was I ever informed that my balance was due, nor did I receive ANY form of correspondence from the creditor. No e-mail, no letter, no phone call, no text message, nothing. It should be noted that the creditor did have all of my current contact information on file ( e-mail, physical address, phone number ), and at no point did any of my contact information change or become unavailable during this period.
Product: Checking or savings account

Urgent Inquiry Regarding Alleged Identity Theft and Account Issues. Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I trust this letter finds you in good health. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of great concern regarding my recent attempts to open a checking account and merchant service for my newly established company. 

It has come to my attention that my personal information, including my social security number and name, has been flagged on a match website, implying potential involvement in identity theft or fraudulent activities. I have taken immediate action by contacting the relevant financial institution, Chase Bank XXXX JP Morgan, on numerous occasions to seek clarification and resolution. 

Despite my persistent efforts, I have encountered significant difficulties in obtaining information, proof, and evidence to substantiate the allegations against me. I have proactively notified credit reporting agencies about the potential unauthorized use of my personal information, particularly by my ex-wife. Discrepancies reported by agencies such as XXXX indicate inaccuracies in my profile, including the misspelling of my first name as XXXX XXXX XXXX' and incorrect variations of the last four digits of my social security number like XXXX or XXXX. 

I have requested transparency from Chase Bank and urged them to provide the necessary proof, invoices, and documentation supporting any claims against me. Unfortunately, my efforts have been met with silence, and I have not received any information or assistance in this matter. Additionally, I was advised to obtain a free credit report, a step that has not yielded any resolution. 

I must stress that I have had no financial interactions with Chase since XX/XX/XXXX, and I am confident that I have not engaged in any illegal activities. I was released from any financial obligations with Chase since XX/XX/XXXX. I have substantial evidence that I have not been ble to do absolut nothing from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, the continued negligence in addressing this issue raises concerns about the accuracy of the claims and whether there may be a misunderstanding or, worse, intentional misrepresentation. 

I am submitting this formal complaint to request a thorough investigation into the allegations against me, as well as the provision of all relevant documentation and evidence supporting these claims. I believe in due process and my right to understand any accusations made in my name. If any false reports have been submitted under my name, I am entitled to compensation for the damages incurred. 

I kindly request the Consumer Financial Protection Bureau 's assistance in addressing this urgent matter. I trust that your intervention will ensure a fair and unbiased resolution. I look forward to your prompt attention and guidance on the necessary steps to rectify this situation. 

Thank you for your understanding and cooperation in addressing this serious issue. 

Sincerely,
Product: Money transfer, virtual currency, or money service

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

I have attempted to dispute this item for the last ten months. My XXXX XXXX card account has been reporting that my account was negative in the month of XX/XX/year>. My account was NOT to my knowledge late in the month of XX/XX/year>. I have requested for proof that no payment was made on this account and the administrator of XXXX XXXX card services has been unable to provide this information. I have disputed this information with all three credit bureaus, XXXX, XXXX, and TransUnion. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.
Product: Student loan

Received communication from MOHELA saying that interest is accruing while loans are in forbearance. A previous communication about the loans being placed in forbearance specified that interest rates would be XXXX XXXX and interest would not accrue while the loans were in the administrative forbearance.
Product: Debt collection

I've recently reviewed my credit report and noticed that an account from an debt collector that i never entered a consumer credit transaction with. I have reason to believe they have violated privacy and my consumer rights under the FDCPA and FCRA. I never gave consent or been in contact with this company for them to furnish an account or send information to the credit reporting agencies
Product: Mortgage

I am an XXXX American woman who had a high XXXX XXXX at the time the loan was originated however the Lender, Wells Fargo, chose to put me into a predatory, 10 year interest only stated income loan without any regard to my ability to repay that loan. At the time of the loan origination, I was working at the XXXX XXXX XXXX  with a salary of {$66000.00} per year. I provided to Wells Fargo my income documents and bank statements. Rather than qualify me for a loan that I could afford, Wells Fargo instead inflated my income to {$150000.00} per year. It did not realize that Wells Fargo had inflated my income until I requested the application, XXXX form, to review it. Due to the fact my mortgage payment went up to an unaffordable monthly amount. My attached documents have all the pertinent information and dates. My home is currently into foreclosure and am at risk any moment of losing my home.
Product: Debt collection

I have requested verification/validation of the debt FCO is attempting to collect from me - I am not familiar with their company and have never entered into an agreement with them. On X/X/2017 - I requested verification - they sent me a contract that was incomplete and not enough information to identify this debt as mine. OnXX/XX/XXXX I requested information a second time to clarify my original request - they sent me a bill/statement with no additional information even though it appears the statute of limitations have expired for this debt They have not provided enough information to verify this debt - this account is negatively affecting my ability to get credit. In addition, they have failed to mark my credit reports recognizing my dispute on all the credit reports they are maintaining this account.