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

ORIGINAL TRANSACTIONS ( authorized ) Oldest to newest : XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$12.00} That is exactly how they appear on my credit union transaction history. The only information removed is my debit card number. These were authorized and acceptable. Now, here comes the problem. 

XX/XX/XXXX I check my history to find an entire double unauthorized set of transactions all posted at the EXACT same time but with slightly modifed decription : UNAUTHORIZED TRANSACTIONS : XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$12.00} As you can see, they changed the charge and added " XXXX XXXX '' to it. They still have the original date at the end. These are NOT authorized in anyway. I have NOT made any purchases for virtual currency on XX/XX/XXXX. 

The original transactions POSTED and the money was REMOVED from my checking account via the debit card. The unauthorized transactions POSTED and the money was REMOVED from my checking account. 

I have sent in a ticket but haven't heard anything back and have Case ID : XXXX was on the phone waitning for a rep for an hour, heard someone breath, then got hung up on.
Product: Money transfer, virtual currency, or money service

So I had XXXX total in various bitcoin through a company called coinbase. It was hacked on the XXXX in i believe may through my unsecured email account and half of it was stolen. I still have another XXXX  of etherium in my vault which could not be hacked into because i have a very secured protonmail linked to the vault. I have frozen the account almost 2 months ago and have made sure I secured all my ends but they have not unfrozen my account and ignore my dozens of emails. I have sent them My ID plus many other self identifying records. I actually have video of myself goin g through my account and showing exzactly whats in it as I have sent that info to my cousins prasing the wealth of bitcoin. Now I have nowhere to turn ...
Product: Debt or credit management

The first was issue in XXXXXXXX XXXX XXXX. This mail was in a missed paled of other important information to the wrong person. Once it was issue to the current person it was passed due date. I notify the company to see if I could get it reissued.
Product: Credit card or prepaid card

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX  NUMBER : XXXX XXXX XXXX XXXX with the balance of {$1700.00}. I have no acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information, Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent. 

According to Fair Credit Reporting Act, any account fraudulent open without the principal original consent or permission must be Remove and Delete immediately. In compliance with FCRA, predatory furnished of false information by the institution are illegal, and within matter of rights under the laws of consumer request to provide by the furnish-er or institution of full proof of all original sign documentation relating to the false account and any consensual documentation with original owners signature within 5 business day in physical mail copies. As time is the essence per request must comply under FCRA law. Failure to do so must have the information Delete and Remove prevent to reappear once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax credit reporting agency to remove XXXX XXXX  from my credit report. They sill have not removed it. I contacted XXXX XXXX and the stated they have informed the credit agency to delete it on three different occasions. However it still on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this charge off on my credit report through all the credit bureaus and it has remained on my credit report but they haven't verified the debt. XXXX XXXX XXXX Charged off : XX/XX/2023 Balance : {$5900.00}
Product: Checking or savings account

Calls to company starting XXXX, direct deposit not in account, not alls to access money on app
Product: Checking or savings account

I closed my savings and checking account with Citibank on XX/XX/XXXX. I was told the account was closed. On XX/XX/XXXX, interest of {$.00} hit my account. Instead of sending me this interest and closing the account, Citibank charged me monthly service fees and overdraft fees. I called on XX/XX/XXXX request account closure again. The representative reversed the fees and promised to close my account. However my account was still not closed ( because of a {$.00} interest payment balance ) and now I am being charged monthly service fees and overdraft fees again. I called on XX/XX/XXXX and they are refusing to reverse the fees and close my account. This is entirely their fault as I tried to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a grave concern. Recently, my personal information was compromised in a significant data breach, and I was among those severely affected. This incident has raised profound concerns regarding my privacy and security. It is imperative that immediate action is taken to address the repercussions of this breach and to protect the sensitive information of all individuals impacted. 

I appreciate your prompt attention to this critical issue. I urge you to permanently remove all inquiries related to late payments, collections, and repossessions from my credit report. Taking this action is essential to restore my creditworthiness and safeguard my financial future. Thank you.
Product: Mortgage

We just recently found out that apparently the debt collector Plaintiff attorney law firm has been switched on XX/XX/XXXX and yet we received no notification from the Servicer,  the old law firm or the new law firm. 
The old law firm Pluese, Becker, Saltzman continued to correspond with us by phone and email thru XX/XX/XXXX even though they were no longer the law firm on the foreclosure complaint. They continued to give us false, incorrect and contradictory information. We only found out about this change when the Servicer XXXX Servicer charged our account over {$2000.00} for fees for the new law firm, who has done nothing on the case, that we are aware, of that our account wasnt already charged for the previous law firm. When we questioned XXXX, they had no answer of what the breakdown of fees was for and directed us to call the new law firm XXXX, XXXX XXXX XXXX. When our phone message was returned by law firm, they also had no idea what the fees were for, but had full knowledge of all the previous chain of events of the foreclosure complaint, which the law firm smugly and condescending tone talked down to us and went as far as to say to my that I am one of those guys and he knows my type. 
Im furious at the way I was treated by this law firm, as its my very first contact with them and ever and I was directed by the Servicer XXXX to contact them to get my questions answered regarding the $ 2000+ fees, which at this time present time today still has not been answered. 
Our complaint is against 1. the Servicer XXXX for the fees added to the account with no explanation and incorrect Reinstatement balance. 
2. Old law firm Firm Pluese Becker & Saltzman for continuing to contact us and give us incorrect information, when to best of our knowledge and according to new law firm was no longer the law firm on the foreclosure complaint case as of XX/XX/XXXX. 
3. New law firm XXXX, XXXX XXXX XXXX for their unprofessional, smug and condescending attitude while speaking with me for the very first time and not answering our questions regarding their law firms fees charged by the Servicer. Which as of today we still have not had answered by the law firm as they said would happen on our phone call.
Product: Debt collection

MCA Management Company XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX fax has been ignoring my emails for over a year while I was trying to reach out and figure out how to pay them ( I was XXXX to XXXX for the XXXX all of 2020 ). All of a sudden I recieve an email from them stating what they are owed still. I think this practice is very shady. I can provide the emails I sent them regarding me trying to make payments. This company also opened credit accounts in my name which has affected my credit score after I contacted them trying to pay. They ignored me and elected to mess up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are listing a bankruptcy from XXXX, XXXX  , & XXXX  and all 3 bureaus are saying that LexisNexis is the furnisher. I wrote LexisNexis ( on XX/XX/2020 & XX/XX/2020 ) about this issue and ask them to send me verification of this bankruptcy ( that they have from the courts ). They never sent me any proof from the courts or any were else. But the are still being listed as the furnisher of this bankruptcy with the credit bureaus. The courts are the only one who could be be the furnisher of this information to anybody and they basically said, the do not report to any of the credit bureaus or companies like LexisNexis. I have the letter to prove it. 

Then I wrote XXXX, XXXX, & XXXX ( around XX/XX/2020 ) about all 3 of them report inaccurate information on my reports about this bankruptcy. The kept sending letters back saying it was verified. I sent them proof of this and they ignored it.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Student loan

Nelnet has had my autopay set up for several years now, and suddenly it seems to have ceased working. My XX/XX/2023 autopay went through, I can see my XX/XX/2023 autopay is scheduled, and yet they're telling me today that I am past due for XX/XX/2023 despite Nelnet having made no attempt to auto debit from my usual checking account. 

This has a negative impact on the consumer because now the only way I can help myself, without waiting on the phone for an unpredictable number of hours only to have the call dropped, is to make a second payment in XXXX and just wait to see if they still deduct my scheduled payment, or to just skip XXXX entirely and see if the XXXX payment works as it should. Nelnet only stands to benefit - either they get double their owed payment, or twice the interest they should have gotten in XXXX. 

Either their pending payment record is broken, their past due notification system is broken, or their auto pay function is broken. All three are serious issues, especially since they offer a discount for using auto debit.
Product: Debt collection

Requested original purchase agreement and proof that I am legally obligated to pay them and did not receive it. Only received a billing statement.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed Multiple unauthorized inquiries appearing on my credit report I have attached an FTC report and supporting documents. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

- XX/XX/2019 - inquiry - an inquiry was made on my credit report, i have no knowledge of this inquiry, please delete it off my credit report
Product: Student loan

I became a 100 % service connected XXXX veteran and notified my lender that I wanted to apply for loan forgiveness as stated in my VA paperwork. The suggested I complete an additional form so I would n't have to make payments while I waited for the loan forgiveness to process. They walked me through how to complete the form step by step and I sent it in, followed by the loan forgiveness application a few days later. I was told I did n't have to make any more payments. Two months later I was told that the first paperwork I completed to not pay while the forgiveness was processing was not filled out properly and my payments were now several months overdue. I asked if I could resubmit the form and was told they could only process one request at a time and the loan forgiveness was already in process. Now I have a negative hit on my credit report showing student loan delinquency when I did everything I was instructed to do by the loan company. How do I get this removed?
Product: Debt collection

I was contacted after my husband died in XX/XX/XXXX about student loan forgiveness for a student loan that I never took out. They said they could get it forgiven for a low charge. I went ahead with it but it never was taken off my report nor was it deleted from XXXX then XXXX XXXX. I later called XXXX XXXX and found out that it was after XXXX {$0.00} payments and I was at the time only two payments in. I was called again yesterday about it again and He claimed he was a XXXX XXXX XXXX named XXXX XXXX ( XXXX ) XXXX ext XXXX. He told me for XXXX payments of XXXX he would take it off my report. I thought it was a prelude to what I had done after my husband died for the student loan forgiveness. XXXX I woke up and found my account charged for {$190.00}. I was very upset. I called and got put on hold and then hung up. I made several email and not a response back. I got an email back this morning. I responded then nothing back again. I called the number on my card and disputed the charge and canceled my card and asked for a new one. I had sent him the contract from when my husband died. He still didn't respond. This is very frustrating to me. This cause to the stress in our daily life starting in XXXX from our move to XXXX when we were first contacted by mail and then very agressively and viciously attacked and slandered that I had a student loan and I didn't and now my husband is dead and this was a contributing factor. Now I am a mourning spouse and will never be able to replace my husband the father of my XXXX XXXX XXXX XXXX This is pure cruelty. The account is down to {$7100.00} but before XXXX died I received a letter from XXXX that stated that they had wrongfully accused me and that they wanted to give back all the money I had paid them. I told my husband a little to late for all that they had put us through since XXXX with all the name calling and threats. I am very upset. I love my husband alot. Me and My son loved spending time with him and doing things together. Now we will never see him again or be with him. I hate it.
Product: Debt collection

I am writing to formally submit a complaint against XXXX XXXX for the following reasons 1.inaccurate reporting XXXX XXXX has XXXX inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 

2. Misuse of Federal Reserve Loans, I am concerned that XXXX XXXXl may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts.

3. Abuse of Insurance Policy, XXXX XXXX charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 

XXXX. XXXX XXXX is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer for {$2500.00} on my account on  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX , I submitted a stop payment request for {$2500.00} and entered  XXXX  in the check number field. A {$25.00}  Stop  Payment fee was charged for the request.  Chase Exective Office,   XXXX   XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX .   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , Oh,  XXXX , Care of  XXXX   XXXX , account no.  XXXX . Bank  XXXX  code :  XXXX .
Product: Consumer Loan

I bought a car financed thru a company that will not refiance to lower the payment what do I do. it was thru XXXX finanacial people should be ware
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018 I disputed this account with XXXX with XXXX  in the amount of of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and XXXX has violated FCRA 611. I requested that XXXX not use XXXX  for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX even XXXX during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from XXXX  as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.XXXX was unsuccessful in providing me with this information after my request on XX/XX/2018. XXXX was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since XXXX failed to comply with the proper consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that has been incorrectly reported on my credit file. I have been notified of multiple data breaches and have confirmed that I am a victim of identity theft. This account has been disputed previously. I have never authorized its reporting. The account in question is : XXXX XXXX XXXXXXXX XXXX This account has been flagged as fraudulent and included in a formal FTC Identity Theft Report, which is attached along with supporting documentation. 

Additionally, this account contains inaccuracies across all three major credit reporting agencies, including suspicious alterations to the " date of last activity '' and payment history.
Product: Debt collection

I contacted the collection agency Covergent Outsourcing and XXXX XXXX XXXX on XX/XX/XXXX to report that several fraudulent accounts ( amts {$420.00} & {$530.00} which either appear on my credit report or on their systems do not belong to me. I notified these entities that I am a victim of identity- theft and that the information that they have on file does not relate to any transactions I have made. The addresses that they also have associated with these accounts are not addresses that I recide at nor have I ever recited at. I did not give anyone authorization or consent to use my personal information therefore the utility company should have never established these fraudulent accounts. I requested for an investigation to be completed and for these negative items to be removed from the collection agency records and my credit report. An agent by the name of XXXX from XXXX XXXX opened several fraud dispute cases for me on XX/XX/XXXX. I was told by XXXX XXXX that they would be Investigating these fraudulent accounts in addition to getting them removed from my credit report and the collection agency. I was also told by XXXX at XXXX XXXX that someone from their dispute department would be contacting me. I have not been contacted by either entity as of XX/XX/XXXX. This item still appears on my credit report without any resolution. 

On XX/XX/XXXX & XX/XX/XXXX all three credit reporting agencies ( XXXX, XXXX, and XXXX ) were notified that my identity had been stolen. I filed several disputes to correct and remove - names, addresses and collection debt items from my credit report that do not belong to me. I requested a freeze to placed on my credit report and fraud alerts have been placed as well. Once again, I did not give anyone authorization or consent for them to use my personal information. I am a victim of identity-theft and I am disputing these fraudulent accounts that either appears on my credit reports, Covergent Outsourcing and/or at XXXX XXXX XXXX.