23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. 

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred. 

Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. 

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

SLS continues to send people to my home with unsolicited information. I've asked them ( via email ), to STOP this behavior because of my illness, and it makes me extremely PARANOID when folks come to my home without an invitation. 

Complaint XXXX - was sent on this forum on XX/XX/2018 requesting that they be notified that Trespassing on my  property is considered unlawful and dangerous to all involved. At this time, I feel the FBI should be contacted, because I'm in fear for the Safety of my family and myself. 

They went to the neighbor 's house and told them that, I was late on my mortgage ; therefore, they were needing to take pictures from the neighbor 's yard. I'm not sure what can be done, but I owe SLS NOTHING!! and I can't help but feel that, this is not something a company should practice. Scare tactics never have a positive ending. I can't even open my Blinds, because I fell that someone is always outside my window. PLEASE HELP!!! SHOULD I REPORT THIS TO THE FBI?
Product: Checking or savings account

Today is XX/XX/XXXX over the course of the past four days Ive been told by my banking company by the name of current XXXX XXXX that with the dispute that I filed with these transactions that were made by somebody that got into my account while I was XXXX  in XXXX  for XXXX months that they would be under investigation, and after a 10 day. I would then we receive my provisional credit for the money that was taken from my account that I lost. the 10 day Was then exhausted and when they told me to contact him after the 10 days, if I had yet to get my provisional credit, they would give it to me and I contacted them. They started to then tell me tomorrow youll get it then it turned in to tomorrow to 24 hours then it turned into 24 hours to XXXX hours and now theyre saying a dispute team will contact me after now that the Claim has been escalated. Over the course of these past few days, Ive asked to talk to a supervisor or manager of some sort because of my frustration. When asked to speak to a manager Im given the runaround. Theyre saying that one is not available and are all they will do is give me the same information at the employees given me now. Im familiar with the regulations of the FDIC end of their company, and it states that after 10 days of investigation, I am to receive my provisional credit which I have not yet. Its now been close to 14 days. This is unfair and against regulations and rules of their own. They are not following protocol nor are they doing with their employees said they would do numerous times. Please help me to get what is owed to me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, TransUnion data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

my credit was ran by a 3rd party which was not authorized by me., .now they have inquiries on my report. One of those bogus online companies, .which had a 5 star rating Im trying to fix my credit 100 % as was involved in Data breach years ago. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

on XX/XX/XXXX of 2018 a charge was made to my chase XXXX rewards card which both my children were authorized users on. the charge was made to XXXX XXXX in the amount of 3800.00. on such date a person known to my son accessed his phone to wire the money to a friend this was done by the XXXX XXXX site knowing the info as it was automatically signed in. within a few minutes of receiving the text of the purchase via chase texts. a call was placed disputing the charges as fraud unauthorized within 5 mins of receiving it. the process was long and the result ended not in are favor due to the fact we knew the person who committed the fraud. as to the law on such issues is fairly easy to understand under the fair credit billing act. it is not uncommon for a person or family member to fraudulently use a person credit card with out there permission. it also states that its not a denial of a claim for such. its my opinion that chase bank has skirted this claim and has not held the fair credit billing act to its standards on unauthorized use. chase bank has denied the claim stating that i knew the person. they claim i never contacted XXXX XXXX which i did on several occasions. ( see letter from XXXX XXXX ) i would also like to add as to the fact the transfer shows it was cancelled and never paid ( see in closed transaction summary ) chase investigator number 3 asked for a letter stating the id theft which was faxed to chase as there request. i would also like to add that my password to XXXX XXXX was changed immediately and a email was sent to them which no response was ever given just a letter 4 months later. chase may never return the money that was taken from my account along with the cash advance fees it has made on the unauthorized purchase but im never willing to be taken advantage of by big banks who violate the law and rob average citizens on a daily bases.
Product: Credit reporting

An unauthorized and fraudulent credit inquiry is listed on my Experian credit report from : XXXX, XX/XX/2017, the credit inquiry do n't belong to me. I am a victim of identity theft and have been a victim of identity theft for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed a credit company. The account was settled and paid in full. We reached an agreement that if I paid them XXXX .they would on that amount. Exerpian has it reported that I made a XXXX and that I still owe XXXX. I disputed that info and also submitted the email stating it was paid in full. They still settled with the debt company. There was another company that I disputed as well. Because they kept my account open after I relocated and the electric account was switched over it was just energy and I submitted proof I I relocated to another state they still sided with them.
Product: Mortgage

I secured a mortgage back in XX/XX/XXXX from a bank and then re-financed my mortgage through what was then a company highly publicized and known for predatory lending practices called XXXX. Citi Bank, also known as Citi and Citi Mortgage either owned or bought XXXX XXXX and acquired the mortgages that they had. Me and my then wife filed for Chapter XXXX Bankruptcy back in XX/XX/XXXX. The bankruptcy judge sent notification to all those credit entities that were on my credit report, including CitiMortgage. These creditors had a specified amount of time to respond to the judge 's notification that I have applied for bankruptcy protection. 
CitiMortgage failed miserably in responding to notification that was sent to them, and the bankruptcy judge denied them access to be paid through the Chapter XXXX Bankruptcy Trustee. 
Already an entry on my credit report, this bank begins the process of transferring my account to THEMSELVES in an effort to have a derogatory entry on my credit report for a longer period of time than the law allows. They have absolutely no consistent data entered between the XXXX credit reporting bureaus. On my XXXX credit report, it has them on my report XXXX separate times with the name of the institution, address and phone number identically the same on XXXX entries ( transferring account to themselves ), and then the XXXX entry has a different name with a fictitious phone number that does not even belong to this huge bank. On my XXXX XXXX report, it has them listed on XXXX separate entries indicating that they transferred my mortgage to themselves. same exact information on both entries. On my XXXX credit report, they used the XXXX different addresses, but XXXX of them is not who it is proposed to being. They used the address and phone number of a phone number of " The XXXX XXXX XXXX XXXX line '' There needs to be more stringent penalties against banks, financial institutions and mortgage companies that attempt actions such as these because it detracts from the trust and faith that is placed in our systems as citizens just trying to do right by the laws that are put before us. 
I wonder what would happen to me if I tried such a deceptive and fraudulent maneuver!!!
Product: Credit reporting or other personal consumer reports

I specifically asked for my original contract with my wet ink signature or any documentation with consent to prove ownership of this XXXX did not complete an investigation. This is costing me my reputation and damages leading up to getting denials. Also this debt shows sold to another company
Product: Credit reporting or other personal consumer reports

My account with US DEPT OF ED was never late! I have had exceptional payment history with US DEPT OF ED and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

US DEPT OF ED Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I have received a ton of letters, and phone calls form Jefferson Capitol Systems over the last few years. The only time I spoke to someone ( over a year ago ), they said they were collecting from a XXXX XXXX account from XX/XX/XXXX or XX/XX/XXXX. I told them it was not my account, and that over a 15 year old account, if it was ( which it WAS NOT ). I asked them to cease and desist all calls and correspondance, and to stop trying to scam me. They no longer call, however, I still keep getting letters from them. This is a scam, and they need to be stopped.
Product: Student loan

I have Signature Student loans with Navient ( Formerly XXXX XXXX ). After reviewing all charges on my loan balance, I found a mysterious " repayment fee '' of {$280.00}. I called to get information on this and get this taken off. I was told that it was a fee charged when my loan entered repayment status. It was a percentage of all outstanding loans on my account. When asked for a credit of this, I was told that it was part of the original terms of the loan and can not be changed. I 'm sure I overlooked it in the fine print of the terms I signed on the loan over 10 years ago ; however, still left a bad taste in my mouth. I am currently working hard on paying off these loans, like millions of Americans. Hopefully they this get added to the " unfair practices '' section on the new lawsuit filed earlier this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivable Management Services International XXXX XXXX XXXX, XXXX, PA XXXX This company is reporting a {$280.00} debit on my credit report. Twice. Same company information, same debit information BUT THEY CHANGED THE AMOUNT TO {$280.00}. so it is on my report twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

GM turned me down for a lease on a new vehicle, stating that XXXX ca n't give them a credit score,  due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

Received a letter that my account would be closed to do inactivity for 18 months or longer this information is incorrect i have use the card 2 times and had paid in full and also prior to this letter I had spoken with CS agent and that will not be happening
Product: Money transfer, virtual currency, or money service

Hello Since XX/XX/2021 Coinbase has suspended all my activities. I can't do anything on the app, nor website. My account is accessible to read and review showing everything current by the day but I CAN NOT SELL OR TRADE ANYTHING. 

[ THESE ARE STRAIGHT COPIED FROM EMAILS ] : *RE : CASE # XXXX XX/XX/2021 Hello XXXX , We have transferred your case to a specialist who will be able to assist you with this specific issue. You will be contacted directly as soon as we have reviewed your case. Please note, these reviews are typically completed within 5-7 business days but may take longer. Best regards, Coinbase Support 2ND EMAIL : Hello XXXX XXXX, Thank you for following up with us. Our team is still reviewing your information. However, we've asked them to expedite their review of your account, but it may still take 24-48 hours to complete. We appreciate your understanding. Regards, Show quoted text Coinbase Support **On XX/XX/XXXX I recieved an email stating my case was resolved and closed. When I Check on the app and online the problem still existed and I was unable to use ANY type of crypto transactions. When I tried to email again and they responded : ( Hi there, Thanks for the response! Wed love to help you further, however, this case has been closed and can not be reopened. Please submit a new ticket to our online support form here for continued assistance : https : //help.coinbase.com/en/contact-us.html Thanks, Coinbase Support ) ***I then OPENED a case with their Consumer Complaints Office. This is there reply : Re : CCO case # XXXX Hi there, Please accept this email as confirmation to receive to your complaint. We will review your complaint you will receive a response by the Consumer Complaints Office within 15 business days. If for any reason we need an extension of time we will email you as his possible. Warm Regards, The Coinbase Team. I have emailed 2 more times in this case # reply and still NO answers at all. It has been 8 weeks of my fund being withheld. 

Also Im NOT able to do anything to sell, trade crypto. I am also handicap? so I have emailed them explaining this stress has really made me feel very bad with my neurological conditions. 

Thank you for your attention to this serious issue, XXXX XXXX XXXX Today 's my approximate portfolio worth is about {$140000.00}
Product: Debt collection

I requested a validation of a debt verbally from Hunter Warfield on   XXXX   XXXX  , 2017 regarding a debt that I noticed on my credit report. I also requested a validation of a second debt from Hunter Warfield on   XXXX   XXXX  , 2017 both verbally and in writing. In both cases, I requested that Hunter Warfield cease and desist collection activity during a 30 day period while I investigate the debt.
I received further information from Hunter Warfield regarding the first matter, which is currently under dispute in writing. A complaint has also been filed with your agency regarding to this debt. I have not yet received a validation of the second debt. However, today I received a debt collection call from Hunter Warfield despite my statements to Hunter Warfield that collection activity must cease and desist during the investigatory period of 30 days ( which has not expired ).
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA IS IN DIRECT VIOLATION OF FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE etc.