23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company refuses to provide LEGAL DOCUMENTATION SHOWING MY FULL PAYMENT from 2017 is reflected in their statements and does not satisfy the bill. 

They refuse to provide this as is required by the fair credit reporting act and continue to abuse the system. 

XXXX XXXX has said this satisfies their request however the debt is not with them any longer.
Product: Checking or savings account

The last week of XXXX ( I think XXXX ) my XXXX  was hacked and the person sent {$150.00} to himself. I called and XXXX and they told me I needed to call my Bank thats linked with my XXXX, which is Chime. I call chime and file dispute on charges and about a week later I was refunded the stolen {$150.00}. 

Today I look at my app and see it shows negative - {$150.00} because Chime investigation said it never happened. Well it did happen, and now they are making me pay {$150.00} for it in the middle of a Pandemic that was taken care of 5 months ago. Whatever makes them think it didnt happen doesnt matter because they would be wrong regardless. It happened and I took the loss of {$150.00}. Chime needs to take this charge off my account.
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. I did not authorize these ( XXXX ) inquiries. These ( XXXX ) inquiries are fraudulent. These inquiries have been placed on my consumer report inaccurately and fraudulently Furthermore, I request that all inquiries are deleted immediately. 

. EQUIFAX must provide how they verified these inquiries belong to me. 
XXXX ) How did you verify these inquiries? 
XXXX ) Provide an original contract/agreement with my wet signature authorizing these inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about fraudulent personal information linked to my identity. Unauthorized accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress and concern. I have become a victim of identity theft and have reported this incident. 

It is crucial that this matter is addressed promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your full cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human Trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


INQUIRIES : XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is to report XXXX. My identity has been stolen and the person who stole my identity was able to access my XXXX account and unfreeze my credit. I was never able to speak with anyone from XXXX to ensure a fraud alert or reinstate a credit freeze. I am still not able to sign into my account and there is no option to speak with a customer service agent. I do not know if the person who stole my identity is using my credit with this agency and applying for credit as if they are me. I went through two weeks of someone breaking into my accounts by changing the email addresses and passwords- this can even be done over the phone. This is criminal and security is lax with no regard for actually protecting my sensitive information. 

The person who stole my identity was able to access all three of my credit reports, and change my email address by putting in a fake one. They then were able to receive notices for codes to get into my accounts. The two factor authentication security methods and special code words were able to be bypassed by Equifax, XXXX and XXXX. NONE of the three credit reporting agencies were responsible enough to not keep my information safe.

After two weeks and sending in a lot of sensitive information that these three agencies ( Equifax, XXXX and XXXX ) say they are trying to protect, I still feel they have not addressed my concern and they are failing to protect my identity. XXXX is especially at fault because there is not way to speak with an actual human in customer service to report fraud and get extra protection on my account.
Product: Bank account or service

locked my debit account for no reasonno /rude customer service
Product: Money transfer, virtual currency, or money service

This complaint is in regard to the recent events at the Gemini XXXX XXXX, their relationship to XXXX, and Geminis uncollateralized use of retail investor funds for XXXX XXXX schemes under the Gemini Earn product. 

Gemini XXXX ( Based out of New York ) touts itself as being a highly-regulated crypto exchange, with crypto ( XXXX, their stable coin ) being backed 1:1 ( {$1.00} USD to XXXX GUSD ) and FDIC insured XXXX they also possess a Bit License from the state of New York XXXX Despite the overall volatility of crypto, the Gemini XXXX is trusted and is one of the dominant industry players in the United States. Within Gemini 's investing programs and products is the Gemini Earn program where users can purchase crypto with USD from their exchange and then enter that crypto into Gemini XXXX where percentage yields can be earned based upon the rates established per cryptocurrency. The rates are set by a third-party lending partner, XXXX, who manages this lending program through Gemini. On XX/XX/XXXX, XXXX halted withdrawals due to liquidity issues, assumed to be related to the XXXX fallout. Gemini has an XXXX to return XXXX funds to users within 5 days of redemption. On XX/XX/XXXX, Gemini emailed XXXX customers noting that they would not be able to meet the 5 day XXXX. At present time Gemini reports to be working with XXXX to find a way to recover Gemini XXXX customer funds. Gemini has not updated customers on status since XX/XX/2022. 

Many customers have been blindsided by this event as Gemini 's XXXX program was considered to be one of the most conservative and safest crypto investment options. Customers believe that the XXXX product was bundled under the auspices of regulation, safety, and trust -- that the extreme level of risk was not fully understood by customers and perhaps not understood by Gemini. Gemini employs a risk management framework to vet third-parties like XXXX but either this framework was not robust enough or not employed with the appropriate frequency. 

I have heard reports that there is somewhere between $ XXXX $ XXXX in funds that are attempting to be recovered by Gemini from XXXX. Personally I have $ XXXX wrapped up in this and potentially lost. Had I known/understood the actual risks I would've never placed my investment with Gemini. There are thousands of customers who have attempted to withdraw their funds from Gemini and, from what I've read online, none of those redemption requests are being fulfilled. There has been commentary/discussion about a class action against Gemini. 

Some customers are going to XXXX XXXX XXXX to discuss what's happening. Some users are reporting that some posts and comments, that are not in the best interests of Gemini 's business, are being withheld or deleted. The Gemini subreddit has also removed the ability to submit posts under the category ( called " flair '' ) of 'Gemini XXXX. ' Gemini XXXX Update XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

RE : Ocwen Loan Servicing, LLCLoan : No. : XXXXDear Sir : I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over six years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. XXXX had previously serviced this loan. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information. 
I am a XXXX XXXX veteran who XXXX ( XXXX ) times to protect the rights of all and now my rights have been violated.
Product: Debt collection

XXXX of my loans was left out of my previous loan consolidations. This was an error with the consolidation department as it was handled over the phone. I was unaware of an collections actions on the remaining loan as I moved until I received notice from my employer regarding pending garnishment. 

I immediately called the collection company, the school where the loan was issued, and the loan consolidation agency to get this situation corrected. I 've jumped through every hoop requested and been very cooperative. The collection agency requested me to let them know once I received a letter from the consolidation department. I did and called Monday and again today, the rep " XXXX '' asked that I forward the letter to her via fax. I explained I was home and could not fax, however, I could take a quick picture and email or I could scan in and send via email which would be essentially the same as faxing it. She started to get abusive at this point, saying she gave me the option. I said you are being a bit difficult, she then flipped her lid and started over talking me and threatening to hang up and over talking everything I attempted to say. I was extremely nice and asked 3 or 4 times repeatedly for her no to hang up and just listen to what I had to say. After her tyrant, I stated I apologize if she thought I was being rude or difficult and unhelpful and that was not my intent. I said, however whith me trying to send you over these documents that you are being a bit difficult because I have scanned and emailed info to her before and quite frankly being nasty in over-talking me and speaking to me in this manner. She said well ok this call is being disconnected and hung up on me.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681
Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a letter from a debt collector claiming to be collecting the debt on a credit card that they suppose I have, however I do not have said credit card.
Product: Mortgage

In XXXX of XXXX, I did a Covid forbearance with my Mortage Company, PENNYMAC LOAN SERVICES , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX. I did not make a payment for XXXX, XXXX, and XXXX and was told that the payments missed would become a 2nd mortgage interest-free and it would be paid when I sold my house. In XXXX of XXXX, I started to make my monthly payments again. I now have a loan statement that shows today in XXXX I have paid Principal {$5600.00} Interest {$5300.00} Escrow ( Taxes and Insurance ) {$3700.00} Fees {$7300.00} Credit Balance {$4400.00} When I call to inquire about the {$7300.00} I am told it was a mistake and they corrected it. It has not been corrected. I have requested a breakdown of the fees and was again told that it was payments missed allocated. I have requested a letter stating that the correction has been made and where the money was re-allocated and that the interest has also been corrected since the daily interest charges. I was told that that wasn't true interest doesn't work like that on a mortgage. I requested to speak to a supervisor and was left on hold for XXXX minutes then he came back and stated that no one was available but again assured me everything was fixed. 

You will see in the documents I am attaching that the documents and the online information do not reconcile and have different information on them. 

Also anytime I have made an overpayment and requested it be applied to my principal they have applied it to a suspense account and not reduced my principle to reduce my daily interest rate.
Product: Debt collection

Look, I just got this letter today regarding a {$760.00} debt!!!!!!! I ai n't paying for it, cuz I did n't do it ... and that 's all there is to it!!!!! And I no longer reside at the XXXX Address either!!!
Product: Credit card or prepaid card

Around XX/XX/XXXX I ordered tickets for a vacation on my Discover credit card. I called then to see if they could give me 0 % and they advised not in the lurches I already made but there was a promotion going forward for 0 % for 18 months they could give me. I transfered the balance from the trip to another credit card to get 0 % and used the discover for purchases going forward being it was supposed to be 0 %. A couple months later I looked at my bill and noticed finance charges. That 's when I called and was told they had no record of this and could n't pull the call. I spoke to a couple different managers and was promised call backs several times before reaching someone that advised they would credit the interest and put it on the 0 % as quoted. She stated it was clear was the notes that is what I was told. This was around XX/XX/XXXX. I looked at my billing again this evening and once again there are interest charges so I called and spoke to a girl named XXXX who told me she was not going to give me the 0 % and interest is 15.99 %. I told her I want the call pulled and she said that wo n't happen because they only keep calls for 60 days. I have been lied to and manipulated into paying this company interest. I have several 0 % interest credit cards and would not be continuing to use this credit card if I knew I was being charged interest. My husband and I earn cash back by using credit cards. I want the interest credited to my account and the 0 % interest rate. I am willing to hire a lawyer and file a lawsuit itlf this is not rectified immediately.
Product: Debt collection

I have never heard of this debt collector never sign any contract with them or have any business with company they did send any signature about this dedt I do not owe this debt to them. date was XX/XX/2019 XXXX so they say and have no proof of the debt.
Product: Credit card or prepaid card

I never was late on payments. With no explanation WellsFargo closed my account
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Their customer service would not help and take care of the negative inquiries reporting to my credit report. I even sent a letter asking for removal. 

Inquiries for removal : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

Complaint against Capital One XXXXXXXX XXXX XXXX XXXX, UT XXXXAccount XXXXCase # XXXXI am writing file a complaint against Capital One XXXX for recharging me for an item that I had bought on XXXX from an individual XXXX XXXX on XXXX. The item was not delivered on time and the item was not what I had ordered. I sent an email to the merchant through XXXX but I got no response. Because of this, I contacted Capital One and disputed the charges of XXXX. I also returned the item by USPS certified mail XXXX XXXX XXXX XXXX XXXX on XXXX. I sent in this information to Capital One on the form they had sent me on XXXX. Unfortunately, Capital One ignored this information and is rebilling my account. I would like Capital One to refund my money as I have returned the item and provided the information they had sent me in the form provided to me. Please see copies of the documents.
Product: Checking or savings account

On XX/XX/22 I noticed that {$5000.00} and then {$7500.00} had been transferred from one savings account at HSBC bank. I notified Bank Security and all my accounts 2 savings and 1 checking were locked so that no money could leave any of my accounts. On XX/XX/22, I went to the bank and spoke with an officer. In looking at my accounts, he saw that a check in the amount of {$9400.00} had been drawn and cashed against a second savings account. This fraudulent check had been written against a savings account and cashed while the account was locked. I was told that the back office was dealing with the problem. There were no other responses to how this could happen. All monies have been restored to me, with no notification to me from the bank. Additionally, XXXX reward points were stolen from my credit card with HSBC. This too, has been restored.
Product: Checking or savings account

My name is XXXX XXXX. 
On XX/XX/2021, I received texts and emails from Citibank notifying me that my account was being charged from another state. As soon as I click NO on the YES/NO quick respond feature, I received a phone call from Citibank Fraud Protection Department , a male  agent told me that this conversation was recorded and my account was temporarily blocked and a replacement card will be sent to me in a couple of days to my verified address and he instructed me to activate it in order to have access to my account again. He said that my account has been taken care of and need not worry and in the meantime, I might receive more notifications from my account via text or email, just ignore them. I received this phone call late evening. the next morning I received texts and emails notifying me that I sent {$2500.00} out two times to someone that I don't know via XXXX ( I'd never enable this service with Citibank ). I called Citibank right away and report it and open a dispute ( reference # XXXX ). Citibank took my case but then denied it. I contacted Citibank and reopen the dispute again ( Reference # XXXX ) and I got the same result. My Citibank credit card also got unauthorized charged 2 days later, it seems like my Citibank accounts had been manipulated by hacker or insiders. Now i'm reaching out to CFPB for help, please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than XXXX  days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The accounts in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 0XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LOCKHART, MORRIS & MONT has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. ( letters attached to show when I disputed account below ) This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Debt collection

I received notice on my credit report of XXXX collection Accounts from a collection agency Cedar Business Services, claiming I owed a debt from XXXX XXXX  starting in XXXX of XXXX I reported my Identity documents stollen in XXXX of XXXX and filed a report with the FTC XXXX and again in XXXX of XXXX due to additional bank accounts being opened in my name. 

I reported the incident to XXXX, and XXXX, and they advised me to file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XXXX. XXXX, XXXX