vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Sunday XX/XX/XXXX, a friend informed.me of a vehicle for sale through a friend of hers on XXXX. I was in the market and the XXXX account owner was a mutual friend I had met before. I knew of her current family situation that her father was being placed in a XXXX XXXX XXXX and she was currently out of state dealing with her father arrangements. The post had several items ( yard sell ) they claimed to be selling to transition her father to XXXX home. The yard sell essentially was happening in real time. 
My friend informed her through XXXX XXXX interested in the post for the vehicle. My friend was then asled if she could share my phone number so we could arrange the sale. I agreed and then I recieved XXXX shortly afterwards indicating they were the XXXX holder and if I had question to about the car. They provided me details on the car. I tried to.call the number but I recieved a.message to text as she was attending.to people in person but if XXXX interested I could put a.deposit down and they would take it down for sale and hold for me until I could see.vehicle. if I.did notnwant it they would refund deposit. I agreed to the terms and the asked for {$1500.00} deposit. I used Zelle. Initially, I was unable to send XXXX only {$1000.00}. I added the number as XXXX user name and sent {$1000.00}. 

After I was.unable to.send {$1500.00} the user asked XXXX the {$1000.00} was sent and how would I send the additional {$500.00}. That is when I got a bit suspicious and call the number again. The reply was a bit rude which now I questioned if I was communicating to the right person. I called our mutual friend to see if she could get in contact with her. That is then when the scam was revealed. The XXXX XXXX account hD been hacked and she has been locked out of it for XXXX weeks. I.then contacted.Wellsfargo, my bank to try and cancel the Zelle transaction and file claim. It was Sunday so the bNk told me I would have to.wait until XXXX when the department open, but the transaction is complete. After further review of the Zelle transaction I realized not only was the phone number did not belong to the mutual friend the recipient account phone number was register with Zelle as XXXX XXXX, the scammer. 

After a week XXXX informed me I would not be refunded for the scam transaction because money from scams are not refunded. I am lost for words. I reported the scam/frusf immediately and the transaction did not post until the next business day XX/XX/XXXX. 

Now XXXX being told I have to file a police report to start a.seperatw investigation. XXXX told me they could not provide me.any information regarding the scamer account and the transaction. Very disappointing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
to Coinbase 's negligence, my account was stolen as follows. It was stolen on Friday, XX/XX/year>2024 at XXXX. I reported it at around XXXX PM on Monday, the XXXX, after the weekend, and I have tried to respond several times, but I have not received any response. The reason is that Coinbase took a commission of XXXX and is trying to blame it on me. It is so unfair. I only deposited money and have never withdrawn it. It is so unfair. Please help me solve this problem. Thank you. 

This is an email from Coinbase. I have already included the contents. 
How are you? 
Why is there no answer yet? Even if a fraudster stole my password, your company needs to verify my phone number when logging in, and he needs to have a fingerprint on my device. How can the security system be so negligent that he can steal money from my account? And I submitted the report within XXXX hours of the business working day. A fraudster stole it at XXXX on Friday and I reported it at XXXX the following Monday. XXXX hours before working day. We look forward to your quick reply. 
Thanks. 

Hello, this is XXXX XXXX. 
On XX/XX/XXXX ( Friday ) at XXXX, a scammer withdrew {$6700.00} from my account and took XXXX as commission from Coinbase. I reported this to security @ coinbase.com on the afternoon of XX/XX/XXXX ( Monday ) have not heard back yet. I reported within XXXX of working day and I have never sold any coin so far. 
If you don't solve this problem, I will file formal complaints with XXXX, XXXX, and XXXX. Please see below. 
Thank you. 

Sincerely, XXXX XXXX XXXX, My name is XXXX XXXX My email address is XXXX Phone # is XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX what happens to my account? 
Someone stole my Bitcoin I never sold my Bitcoin and got the money. 
I have got an email like this. 
Coinbase Order filled Your Market order to sell XXXX XXXX was filled. 
Date of last fill XXXX2024 Time of last fill XXXX XXXX XXXX XXXX Type Market sell Amount XXXX XXXX Price {$67000.00} Subtotal {$6700.00} Fee {$81.00} Total {$6600.00} Order ID XXXX Please solve this matter. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im a natural person and consumer please dont close and then just attaching documents they feel they are bot complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
I opened a XXXX  account Linking a wallet With Crypto.com and XXXX. I discovered that my My XXXX funding was been transferred to Crypto.com where they stated that all of my XXXX  within escrow. I never linked anything to escrow account nor did I give anyone permission to do so. I have no access to Crypto.com and each time I contact them they send me to a bot is not assisting me and I can not access the account to talk to a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain fraudulent inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear Midland Credit Mngmt ; XXXX XXXX XXXX XXXX ; Atty XXXX XXXX XXXX ; This is fraudulent and not mine account. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or
abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I sent you a formal request for debt validation via certified mail XXXX To date, I have not received sufficient verification of the alleged debt as required by 15 U.S. Code 1692g. Specifically, you have failed to provide : 1. The complete and original signed contract for the debt obligation which is the subject matter of this dispute ; 2. An itemized breakdown of what you claim the money is owed for ; 3. Explain and show me how you calculated the amount in dispute ; 4. Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim I owe ; 5. Identify the original creditor ; 6. Identify and accurately describe any third-party costs for which you are charging me and that you included in the disputed amount along a complete itemization of all such charges ; 7. Provide me with an affidavit that the Statute of Limitations has not expired on this account ; 8. Show me that you are licenses to collect on a debt in the State of Louisiana ; and 9. Provide me with you and your clients proof of Good Standing under the Laws of Louisiana and the Secretary of State along with information regarding your Registered Agent for Service of Process. 
Without proper validation, this debt is considered disputed and unverifiable. As you are likely aware, under the FDCPA, failure to validate a debt within 30 days of the request is a violation of federal law. Furthermore, as stipulated in my initial correspondence, I am entitled to {$1000.00} for each debt not validated within this timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX approved me for an auto loan 2month ago, which they are getting paid for every month. They contact Huntington bank and put a false claim on my account stating that it was fraud and wasnt any fraud done. The vehicle I received went out on me within three days of having the vehicle I decided to give the dealership back the vehicle and they refunded the check back to me. Now Huntington bank put a hold on my account without notifying me nor with any proof that this is fraud with no explanation. They violated my character and consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
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 XXXXXXXX XXXX These accounts have 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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX ; This is fraudulent account!!! I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year> my Mercury checking account was put on hold when I tried to transfer funds out of the account. I was told to email them, which I did, and then after an hour they emailed me saying they will be closing my account will RETAIN all the funds. Mercury is an online bank using XXXX XXXX XXXX 's banking. I have over {$68000.00} in my account and they are holding it hostage for infinite amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Leafy Financial, LLC
State: PA

Complaint narrative:
Leafy Financial opened a collection account in my report I asked for information XXXX  driver license and original signature and it was not provided to me its not my account and they refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: TN

Complaint narrative:
THE COMPANY APPROVED A LOAN FOR {$1200.00} AND CREDITED {$1100.00}. IT FURTHER STATED THAT IT WOULD COLLECT {$2100.00} IN XXXX WEEKS. I HAVE NEVER SPOKEN TO ANY PERSON THAT WORKS FOR GIGGLE FINANCE, NEITHER DID I CONSENT TO THIS EXORBITANT FEE. THEY HAVE REFUSED TO ANSWER THEIR CALL AND HAVE CONTINUED TO COLLECT FUNDS DIRECTLY FROM MY ACCOUNT. THIS COMPANY IS EXACTLY WHY THE BUREAU WAS SET UP. I DID NOT SIGN AN AGREEMENT WITH THIS COMPANY. AS OF XXXX 2024 WHEN THE COMPANY SAID THAT THEY WOULD START DRAFTING FUNDS OUT OF MY ACCOUNT, I WAS NOT THEIR CUSTOMER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo is charging me {$2900.00} for insurance that lapsed due to the ineptness of Florida XXXXXXXX XXXX  I was able to get insurance, but can not back date the insurance. This charge is exorbitant for three months of insurance and the house is now covered. To get insurance here is not an overnight process in XXXXXXXX XXXX. We needed to have Wind Mitigation Assessments and all. 
Another situation is I'm paying insurance to cover a structure valued at XXXX XXXX when the land value alone is worth XXXX XXXX  and my outstanding mortgage is $ XXXX 
I am overpaying for insurance and made to pay insurance on a property where land alone the bank can recover more than we owe if we decide to walk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Date Today at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error. 
LIST OF ACCOUNTS WITH LATE PAYMENTS Past late payments ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) Date XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Date XXXX XXXX ( XXXX ). Date XXXX, XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) Date XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) Date XX/XX/XXXX XXXX XXXX XXXX ) Date XX/XX/XXXX XXXX  ( XXXX ) Date XX/XX/XXXX XXXX XXXX ( XXXX ) Date XX/XX/XXXXXXXX XXXX ( XXXX ) Date XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please re-investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed. 
I am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have received a total of 12 calls within the last week from this debt collector. They call me MULTIPLE times a day

Company response to consumer: Closed with explanation