23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX hours, my Coinbase XXXX XXXX XXXX card was charged {$54.00} USD. The transaction went through. There were XXXX  declined transactions after that, for XXXX ( XXXX hours ) and XXXX ( XXXX hours ). All eastern standard time. 

I opened a dispute with Coinbase the same day. I spoke with support on the phone the and they advised I would get my money back. I locked my card and requested they send me a new card. 

On XX/XX/2022 at XXXX hours, I received the following email from Coinbase : " '' '' '' [ Reply ] Case # XXXX - [ Coinbase ] Re : Service Dispute Fraud - XXXX ( {$54.00} USD ) Hello XXXX, We've completed our investigation of your dispute for the transaction of {$54.00} made on XX/XX/2022, XXXX XXXX XXXX XXXX 

Unfortunately, the chargeback was rejected by the network for the following reason : - Can not initiate chargeback on a verified VISA transaction. 

As a result, we will be closing your claim. 

Regards, Coinbase Support ref : XXXX : ref " '' '' '' My card was never stolen. It was in my possession at all times. I had this happen with XXXX XXXX XXXX several years ago and they refunded my money without question. It looks like coinbase/XXXX  won't do the same. I hope you can help. 



Also, I contacted the merchant. They're willing to investigate. See the attached screenshot.
Product: Debt collection

I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from LVNV Funding LLC against me. I want to payoff this judgment through the mortgage loan. I first contacted LVNV Funding LLC for the payoff at XXXX. They advised me that the account is now being serviced by XXXX XXXX XXXX and to call phone number XXXX. I have contacted XXXX XXXX  XXXX over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the LVNV Funding they say they can not do anything but refer it to XXXX XXXX XXXX who is now handling the account. When I call XXXX XXXX XXXX they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.
Product: Credit card or prepaid card

someone used my XXXX XXXX XXXX or numbers to charge XXXXXXXX XXXX XXXX purchase that was declined and then charged XXXX dollars on my XXXX XXXX XXXX XXXXn XX/XX/XXXX in XXXX, Texas at a place named XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I used my XXXX XXXX XXXX  at stXXXX XXXX XXXXnd spent XXXX dollars on XX/XX/XXXX. Then on XX/XX/XXXX someone charged my card for the amount that presented above. I made a fraud report on XX/XX/XXXX at the XXXXXXXX XXXX XXXX XXXX  and turned in the card and got a new one. previously before that I was getting XXXXXXXX XXXX XXXX and I think people stole my card numbers on XX/XX/XXXX. previously I noticed this happening before for months and months people taking little amounts at a time but I thought that I might have been mistaken. I filed many reports with the police department of justice and also the dta by misfortune application and in office they put in fraud report. I want to sign up for XXXX for a reimbursement of the XXXX cash I spent for food this month and also get the XXXX food stamps reimbursed because I am XXXX XXXX XXXX XXXX XXXX I have to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked the XXXXXXXX XXXX XXXX XXXX XXXXXXXX afteXXXX XXXX XXXX XXXX  but I was unable to get them also my social security card was stolen as well due to me being XXXX. I was getting extra cash benefits but I don't know why they stopped can you please sign me back yo for additional services. please contact me by email cause I was XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please can you help me obtain my XXXX  benefits and a free phone so I can continue on my XXXX  XXXX. I AM TRYING TO CLOSE MY DIRECT EXPRESS ACCOUNT BUT THE IN IS LOCKED AND I CAN CLOSE IT BEFORE MY BENEFITS ARE ON THERE THE XXXX OF XX/XX/XXXX. I TRY TO CALL DIRECT EXPRESS AND THE SYSTEM KEEP RE-ROUTING ME IN CIRCLES AND I CAN'T EVEN TALK TO AN OPERATOR I NEED ASSISTANCE IN STOPPING THE CARD. I SENT THE XXXX  BENEFITS EMAILS OVER 4 TIMES AND IN PERSON PUT A FRAUD CLAIM ON XX/XX/XXXX AND I AM NOT GETTING ASSISTANCE SINCE THE THEN AND NOW IT IS XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX Account Number : XXXX XXXX XXXX : {$350.00}
Product: Credit card or prepaid card

I booked a hotel room through XXXX in XX/XX/XXXX. I pre-paid for it using my bank debit card. The total was {$81.00}. 
Upon checkin to the hotel, I was asked - as is customary for a credit card number for incidentals. About a week or so after checking out, I noticed my credit card had been charged the amount of the room. I called the hotel and spoke with someone who spoke very very broken English ( hotel was southern FL ). I tried calling back the next day to get someone else and they just kept saying No charged twice. 
I filed a dispute with Capital one - the credit card company they charged. I was told I would receive a letter for what they need. Letter was never received and the provisional credit was removed a month later and I was charged for it again. 
I called them back. This time they sent me a link to upload documents including a bank statement showing the charge. I sent a copy of my bank statement showing where this was paid as well as a letter explaining the situation. On XX/XX/XXXX they called me back ( Capital One ) saying they needed my debit card number. I was taken aback and told them why in XXXX 's name would I give THEM my debit card number? She placed me on hold and came back and advised she only needed the last four of my debit card number. I told her that was still extremely odd and in the few instances I have had to dispute things in the past with credit card company this has never been asked for before. They insisted it was needed so I took yet another screenshot of my banks website login page which reflected the last four of my debit card number and blacked out everything else and sent it in. 
At this point the issue remains unresolved - I am being charged interest on this incorrect purchase and Capital One - after more than 45 days is XXXX help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. The information was compromised. My information has been being handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed
from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX
Product: Debt collection

They are reporting an unvalidated debt on my credit report and I sent them a letter on XX/XX/XXXX requesting validation of this debt. They have not sent me anything to meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

I have requested the following -- all of which they have refused to supply : " What the money you say I owed is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : '' They responded to me on XX/XX/XXXX saying to contact the credit bureaus which I have several times and they tell me it's verified but will not supply proof of this verification. They tell me to contact the company and then the company tells me to contact the credit bureaus -- we are just going in circles at this point and yet no one has supplied me any validation of this debt.
Product: Money transfers

My transfer has not been available as promised according to my receipt since the XXXX of this month. I filed a complaint with money gram today since the receiver could not again pickup the transfer and XXXX XXXX from money gram wrote stating it was placed on hold without my consent. Online reference number XXXX. So I filed another complaint Online reference number XXXX.
Product: Student loan

After XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for PSLF forgiveness in XX/XX/XXXX. I am very grateful to have received loan forgiveness in XXXX XXXX At that time, I called Mohela to confirm this news and any exit process. The representative I spoke to confirm that I had actually qualified for loan forgiveness in XXXX XXXX However, I made monthly payments of at least {$700.00} until XXXXXXXX XXXX XXXX. She shared that I should expect a refund of those payments directly deposited in my bank account. She gave me a time frame of 4-6 weeks. When that time passed, I called back and was given the date of XXXX XXXXXX/XX/XXXX. That day also came and went with no refund. I just called Mohela back and today the customer service rep told me that there is no indication that I will receive a refund and they can not confirm I made any payments after XXXX. I have bank records that show that my account made direct payments.
Product: Debt collection

I received notice from XXXX that they obtained a debt they claimed was mine. I disputed it and they then had me contacted by Waltman Weinberg and Reis LPA. They sent me copies of card/installment of some kind statements they said were mine and proof that it is my debt. They did NOT give me anything with my signature, a contract or anything else showing it actually is accurate or is mine. They also told me on the phone that unless I paid they would XXXX. They did file - I went to the hearing and the rep there said to me ( not in front of the judge ) that they had the statement bills and I needed to agree to payments- if I didnt they would not drop the case and would take me to. Common pleas court if needed. I did not know any better. Then I was injured and lost work from the pandemic. I keep getting communication about paying- it says I can ask for a hardship from Waltman Weinberg and REis- I hav called and done online forms and they do not answer me
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX XXXX regarding the account that do not belong to me.
Product: Credit reporting or other personal consumer reports

Please know I ran my credit for the first time and noticed accounts and inquiries that are not mine, I need help in removing all these negative account from my account. 

XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX - XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXXXXXX XXXX  - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXXXXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXXXXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE INQUIRY - XXXX XXXX XXXXXX/XX/24- NOT MINE INQUIRY XXXX XXXX XXXXXXXX XX/XX/24- NOT MINE. 
INQUIRY - XXXX XX/XX/24 - NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  in was subjected to fraud. I contacted my creditor  '' s  (  XXXX ,  XXXX  and experian ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX ,  XXXX  and experian to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud.  XXXX  stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts. Experian and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you
Product: Mortgage

I purchased my home in XXXX for {$360000.00} with a {$80000.00} down payment.in XXXX I fell behind four payments from XXXX to XXXX I received a offer for modification from XXXX XXXX XXXX bank to begin on XXXX through XXXX in the amount of {$1900.00} I made the three trial payments. In XX/XX/XXXX my loan was transferred to sps inc. I continued to pay when in XXXX of XXXX I made my payment and was informed it would be applied to an XXXX missed payment I explained I missed no payments and sent the proof of the payment then I was told I was 3payments behind XXXX, XXXX, XXXX of XXXX I sent the proof of those payments and began to receive foreclosure notices.I have attempted to come to a resolution with no luck I even got help from XXXX and I placed the home forsale in XXXX when sps inc ask me to remove the home from the market so they could assist me in keeping my home since I applied for 3 modifications all where denied. And I would like to reinstate the loan sps refused to negotiate the reinstatement Im not asking for anything free Im willing to pay a monthly payment till we reach a resolution.
Product: Credit reporting or other personal consumer reports

In the year XXXX, I received a 1099 from Bank of America in the amount of {$3900.00}. ( See attachment below ). 

In the year XXXX, I also received another 1099 from Bank of America in the amount of XXXX. ( See attachment below ). 

I have paid taxes on these INCOME ( s ). Therefore, this was not a " charge-off, '' but actually INCOME since I received 1099 's for them AND i paid taxes on those income ( s ). Accordingly, by law, this should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

US depart of EdXXXX {$9000.00} US depart of EdXXXX {$9600.00} US depart of EdXXXX {$1100.00} State of Michigan office {$18000.00}. 
XXXX {$480.00} In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer 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 that a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes.

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 causes to believe that the information is inaccurate.

Ive called more than 6 times and asked for the original signed contract and I never received it. It seems these credit report agencies are above the law, and nobody will do anything about it.
Product: Credit reporting or other personal consumer reports

I am writing to urgently bring to your attention the ongoing issue of fraudulent items on my account with Credit Bureaus. Despite my initial report and the subsequent acknowledgment of fraudulent activity, I am dismayed to inform you that a second attempt to address this issue is required. 

The unauthorized transactions on my account continue to cause significant distress and inconvenience. I understand that these situations can be complex, but it is crucial that swift and effective action is taken to rectify the matter. 

I appreciate the efforts made after my initial report ; however, the persistence of fraudulent items necessitates an immediate and thorough investigation. I insist on a comprehensive and expedited removal of all unauthorized transactions from my account.

I kindly request a detailed update on the progress of this second attempt, including the specific actions being taken to ensure the swift resolution of this matter. Additionally, I urge you to communicate the preventive measures being implemented to safeguard my account against any future fraudulent activities.

Given the urgency of this situation, I expect a resolution within the shortest possible time frame. Please understand that the delay in addressing this matter not only exacerbates the financial impact but also raises serious concerns about the security of my account.

If this issue is not resolved promptly and to my satisfaction, I may have no choice but to escalate this complaint through regulatory channels and explore other avenues to protect my rights as a consumer. I am asking for your immediate assistance to remove the fraud items in my credit file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in regard to the XXXX lawsuit most recently filed. My last XXXX Credit file was XX/XX/scrub>XXXX XXXX XXXX, and XXXX lack of investigation of the disputes I placed has negativity impacted my credit score and hurt my chances at credit after the response to my earlier dispute that the accounts were " verified ''. However, I have not seen the evidence from XXXX about my credit investigation.