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

On Saturday XX/XX/XXXX my Coinbase account was hacked, I received a strange phone call and ignored it 3 times before answering and when I answered they wanted me to confirm or deny a transaction on Coinbase and then sign in, I received the 2-factor authentication code and was immediately locked out. While locked out of my account my Coinbase portfolio was drained of all my XXXX and {$1400.00} more of XXXX was attempted to be purchased through my bank account. While being locked out I was in constant communication with someone at Coinbase support trying to restore access to my account. It took until last night XX/XX/XXXX, to get full access to my account. Upon gaining access it shows that the transactions for {$1400.00} were denied, because I issued stop payment thru my bank, but Coinbase says i owe them money and need to make a payment! I have lost {$600.00} and had to pay {$76.00} to my bank to stop payment on the {$1400.00} and I simply want my money back so I can close the account and walk away from that company!
Product: Credit reporting

Yesterday I applied for a home loan but was turned down because of 2 negative items on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and identity theft, I have been disputing fraudulent accounts for years now. I have sent in police reports to each credit agencies and have not been successful in getting the fraudulent information removed. They have taken things off and put them back on again. I have done everything on my end to resolve this issue which is ruining me getting loans, a home and credit. This is a ongoing issue with the credit agencies.
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found that XXXX has been reporting a balance of {$510.00} on a charged off account updated on XX/XX/2023 to my credit report.
Product: Payday loan, title loan, or personal loan

Their website or phone service does not allow you to pay off your loan early. The only option to " make a payment '' leads to editing your credit card or debit card details. I called their customer service number to see how I could make a larger payment on the loan, that wasn't the monthly scheduled one, and the representative said that I have to wait for the website to be fixed. Unfortunately, there has not yet been a fix and there is no way to pay off the loan early. This means that Citizens One can collect more interest on the loan and keep me in debt, despite my ability and desire to pay off my loan.
Product: Debt collection

On XX/XX/ I contacted XXXX XXXX XXXX about a FEW accounts that Are reporting negative on my credit profile. I asked the company rep to help me understand the Credit extension that I obtained from them and what services that was performed by them for me. I don't recognize or remember having a contract with them. I also informed them that my rights per Fair Credit Reporting Act was being violated and hurting my credit rating. I also asked them to remove these reporting accounts from my credit profile.Also to VALIDATE THE DEBT Per.15 U.S.C 1681 Method of Verification Law. I also asked the company to provide the copy of my original invoice or receipt with my signature. I also requested a Itemized bill with every single charge from the original contract.I also notified them about that if the following accounts : 1. XXXX XXXX XXXX Account number # XXXX Balance {$970.00} opened on XXXX 2. XXXX XXXX XXXX Account Number # XXXX XXXX XXXX opened on XXXX 3. XXXX XXXX XXXX Account Number # XXXX Balance XXXX wasn't removed I would Report it here to the Cfpb and also state that these reporting accounts also wasnt following metro 2 compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well i was effected by Identity theft and was told to file a police report and File a Theft report with the F.T.C. Well I filed my F.T.C Theft report on or around XXXX and recontacted them around XXXX for any update on my case. I was told it was still under investigation. Well its now XXXX and i havent heard anything about my Identity theft file claim. Its been way over 30 days and i havent had any update or anythjing to my account. I was told it takes up to 48 hours for my file to Block the Stolen Info thats on my report. But XXXX and Transunion wont Block and complete my theft report claim. Its been over 60 days and I havent got any responses. Can you have them to please Block the account so i can get thru this horrible Identity theft. XXXX   followed up without any issues and Blocked after there investigation. So why cant the others follow suit and do the same since they BOTH verify about the same way. I hope its accurate and not illegally posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$750.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ), XXXX, XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1900.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$61.00} XXXX XXXXXXXX XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted from the credit report of XXXX XXXX due to identity theft. XXXX was deleted by TRANSUNION from the credit report XXXX XXXX XXXX about the dates of XXXX XXXX XXXX2022. Attached is XXXX XXXX XXXX documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a account on my consumer report that is not mine the account name is : XXXX XXXX XXXX XXXX this does not belong to me Ive called the creditor and TransUnion and nothing has gotten resolved I have a recording from a TransUnion agent that they dont verify or validate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I sent a validation letter to Omegas for a collection they placed on my credit report. I have not received any information in response to my letter, nor did I receive any information before this company placed it on my credit, giving me an option to validate the debt. Ive attached the credit report showing the account as well as the certified letter that was sent to them.
Product: Mortgage

Contacted the company on several occassions was given a email to do courtesy removal of late payment do to family illness no response. then florida was in a state of emergency with hurricane irma said the loan wouldnt be affected ( XXXX XXXX and XXXX XXXX ) for late fee penalties and negative reporting and it was for XXXX XXXX i was told to dispute it and they would fix it and its not fixed the calls are monitored and recorded for XXXX and XXXX for hurricane irma ... .. recieved a letter and the company denied me a month in a half after initial email called and left a message no call back
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : please see attached documents
Product: Debt collection

Congress passed the No Surprises Act to help protect Americans from certain unexpected medical bills, including surprise medical bills for emergency services from out-of-network providers. In addition, the CFPB told debt collectors and consumer credit reporting companies that they cant collect, furnish, or report any invalid medical debt.

The three nationwide credit reporting companies XXXX, XXXX, and XXXX also removed all paid medical debts from consumer credit reports and those less than a year old. They have also taken steps to remove all medical collections {$500.00} and under. If you mail anything to me via mail it will be considered mail fraud, aggravated identity theft and extortion.

18 U.S. Code 1028A - Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

18 U.S.C. 1341 is a federal law that defines mail fraud. It states that mail fraud occurs when someone uses the U.S. mail to further a criminal act, such as by : Devising a scheme to defraud, Intending to perform fraudulent acts, Mailing something to execute the scheme, and Making false representations.

18 U.S.C 884- Collection of extensions of credit by extortionate means ( A ) whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
Product: Credit card or prepaid card

On XX/XX/2020, I received text notifications for 3 purchases made on my Chase Freedom credit card. Two were for XXXX XXXX for {$37.00} and one was for XXXX for {$100.00}. All 3 of these charges were fraudulent charges. I immediately got on the phone to notify my Chase bank. The 2 charges from XXXX XXXX were declined but the XXXX charge went through. I was assured that I would not be responsible for these charges. My card was terminated and I was issued a new card. Yesterday, XX/XX/2020, I received a letter in the mail stating that I would be responsible for the {$100.00} charge from XXXX, the reason being " You received benefit form this transaction. '' This is false as I did not purchase anything from XXXX, how do they justify me receiving a benefit. I attempted to contact the fraud department right away but received a message saying they were closed and to call back during normal hours. I called 3 hours before they closed so it was a little strange. I tried to call normal customer service after waiting over an hour to speak with a representative, they told me they could transfer me to someone and there was no waiting period. The person however was unable to locate my information using my account number, name or even social. I called again to XX/XX/2020. After waiting over 2 hours and 40 minutes I was able to get a hold of someone. When I asked what the justification was they told me they were unable to do anything to my extensive usage with XXXX. So because I use XXXX a lot that is their logical reasoning as to why they can not protect me with this fraudulent charge. Chase Freedom claims to have Zero Liability Protection but this is false. I did not make this purchase so I should not have to pay {$100.00}. They are suppose to investigate this properly not just deny my claim because I frequently order from XXXX. I can no longer recommend Chase Freedom credit card to anyone. Sadly this is not the first time Chase has not honored their Zero Liability Protection claim nor will it be the last. I plan on cancelling my card once the Corona Virus crisis is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was frozen due to a report of one speeding ticket. The report is false. The speed limit on the report was hire then the actual speed I was going at the time. 45mph on a 35mph road. The police officer had to purposely stated false information about me. Please help me. I need to work. I am a XXXX  and this is the only part time job that I can live off right now. 

Thank you.
Product: Credit card or prepaid card

On XX/XX/2018, I purchased, via my Chase Sapphire Preferred Card, a  wooden carving of the XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The amount paid was XXXX. -- rupees. When I unwrapped it at home, in early XXXX, I discovered XXXX XXXX had substituted a carving of inferior quality. 

I contacted Chase Sapphire immediately ( XX/XX/2018). I wanted to return the item ( at XXXX    XXXX 's expense ) and receive credit. I first contacted XXXX  XXXX, who denied the substitution. 

Several months later I received a call from XXXX, a Chase representative. She asked whether I still had the item ; I said I did, and was awaiting mailing instructions. I asked if I should return the item at that time ( at my own expense, to speed things along ). She advised me NOT to return the item. This telephone conversation was probably recorded. 

Over the following weeks I received a couple of telephone messages from XXXX. In both cases I missed her call. She was " unavailable '' when I returned the first call, so I left a message. In the other instance the return number she provided was " not in service '', and I could not leave a message. 

I then received a notice from Chase stating that my dispute had been settled in favor of the vendor, BECAUSE I HAD NOT RETURNED THE ITEM. When I contacted Chase, another Chase representative, XXXX, advised me to return it. I did this immediately, at my own expense. 

To " reopen '' my case, Chase required that I resubmit all documentation, via fax. The closest fax facility to my home is over forty miles away, round-trip. These documents were " lost '' by Chase, and I was told to resubmit them, again by fax. 

I last spoke to Chase a month ago. I was advised that my case is under review. My latest credit card statement, which I received about a week ago, still does not credit my account. 

It has now been eight months since my initial complaint. I was given conflicting instructions by Chase representatives. There was never a good-faith attempt, at any time, to contact me. The item was returned, at my expense ( approx. {$75.00} ) months ago. I have twice had the expense of faxing documents to Chase. I have had the trouble of two forty-mile round-trips to a fax facility. I have never received any documents from Chase that they are even working on the problem. I feel I am being given run-around by Chase representatives. 

I feel this matter will never be resolved, unless I register a complaint with you. I hope you can help me with this problem, and have my account credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$290.00}
Product: Credit card or prepaid card

In XXXX of XXXX, I received a monthly statement from my credit card issuer, Comenity XXXX XXXX. I mailed a check, for the full amount, {$670.00} on XX/XX/XXXX. Upon receiving my XXXX statement, it showed that my payment had not been credited and a late fee and interest had been assessed. I called the company on three separate occasions during the next week to see if the payment had been received. My account reflected that the payment had not been credited and I was told it had not been received. At that time, XX/XX/XXXX, I made an ACH from my bank directly to Comenity for the full amount due, {$1000.00} ( XXXX and XXXX statements ). Upon being given a confirmation number by Comenity for this transfer ( XXXX ), I proceeded to cancel the credit card and close my account. Today I received a statement from Comenity informing me that I owed a {$25.00} for a returned check. I find it very coincidental that a check that was mailed over a month earlier " appeared '' on the next business day following closing of my account and payment-in-full of the outstanding balance. Why would a company deposit a check for an account that no longer existed AND was paid in full? In my opinion, what has transpired is simply a ploy to generate an illegitimate fee.
Product: Credit card

I had an XXXX XXXX Visa Card issued by Bank of America. The annual payment came due in XXXX XXXX and I decided that I no longer wanted the card. I contacted BoA customer service in XXXX XXXX and after their several attempts to retain me they agreed to cancel the account. On XXXX XXXX XXXX I received a bill for the annual card fee. This bill contained a BofA late payment warning fee. I immediately called BofA and determined that, although they cancelled my account, they did not cancel the annual fee and have been reporting my account as past due to the reporting agencies. I spoke with XXXX XXXX at Bof A ( XXXX ) and she assigned case no.XXXX. She assures me that my account will be credited and that the credit reporting agencies will be notified that there was/is no late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 602 STATES : I Have the right to privacy 15 USC 1681 SECTION 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666b : a Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Debt collection

XXXX XXXX was awarded a Garnishment Judgment in XX/XX/XXXX. Their Collector did not attempt to collect on this Garnishment until XX/XX/XXXX. Without warning or notice. According to the ARS 12-1551 ( B ) https : //www.azleg.govXXXX This creditor illegally garnished wages after the 5 year period. There is no record of them filing for an extension either. I have had this garnishment taken out of my check every pay period from XX/XX/XXXX - Current. I would like this creditor to stop taking money from me and to refund all funds they have taken. Amounts varied as this was based off of my Net Earnings, not to exceed 25 % of my pay. The second Garnishment order was given to the below creditor in XX/XX/XXXX. Six Years after the original Garnishment Order. This makes this order Null and VOID XXXX XXXX is my Employer. The original Creditor was XXXX XXXX ; their Collector is : XXXX XXXX PCC NO. XXXX, SB NO. XXXX XXXX XXXX. XXXX XXXX. ; XXXX XXXX XXXX, AZ XXXX XXXX I would like a full refund of all of my funds that were illegally taken from me.
Product: Debt collection

{$7800.00} is the amount in quest have reached out and disputed several times due to charges not being mine and negatively impacting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX  XXXX Account XXXX XXXX have all 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 an account without my written instructions
Product: Vehicle loan or lease

I gave an consent to check credit score for honda finance then after i got into XXXX hard check of my profile without any consent. I want to report against this activity against my profile. I have just started working as professional it ruins my whole profile.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX