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

Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX JP Morgan Chase XXXX I used XXXX with Chase ( bank ) to pay for an order with XXXX XXXX ( merchant ). The merchant baited and switched an item on my order because the item ordered was not what I received. I contacted the merchant and went to the store on XX/XX/21 to return the item after the representative said it was fine. The merchant refused to return the item. There are no clear signs or policies visible that state returns are not accepted. They tried charging me {$10.00} to fix their error. I was willing to exchange for another item. However, that item was not available. We could not reach a resolution and I left the store. 

I contacted Chase and asked for the steps to file a dispute. They provided information like to click on the transactions to file a dispute. However this option did not work for the transaction or tested transactions. I contacted the bank on XX/XX/21 approximately XXXX XXXX - XXXX XXXX. I explained the situation to the representative and they told me unfortunately to contact XXXX. I contacted XXXX after I hung up and XXXX did not assist. I was directed to Chase or as they refer to as financial institution. This time I spoke to a manager who stated that theyre aware that XXXX is not a good company, yet they offer their services to their customers. They offer protection to their customers through debit and credit. However, Chase removed liability when dealing with XXXX who also removes liability. XXXX claims to operate as cash. However, cash is refundable. Banks are also FDIC.
Product: Credit reporting or other personal consumer reports

There are TWO XXXX  XXXX XXXX Accounts showing on my credit report with two different dates, balances and account numbers since 2019. There should only be one that has been settled in full.

Please remove the duplicate accounts from my credit report as soon as possible.
Product: Debt collection

Flagship Credit started recently started reporting a collection account on my credit report. Prior to this account appearing on my credit report, I never received a notice of my right to dispute this account. By failing to provide the notice of right to dispute, prior to reporting this account on my credit report, Flagship Credit has violated my rights under the Fair Debt Collection Practices Act.
Product: Debt collection

On XXXX XXXX XXXX I received a phone call from XXXX XXXX indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT DUE TO AN XXXX  DATA BREACH FURTHERMORE FOUND SEVERAL ACCOUNTS ON MY CREDIT REPORT
Product: Checking or savings account

On XX/XX/XXXX, I called JPMorgan Chase Bank to renegotiate my CD, specifically to add funds to my existing CD. I have received a mailer that confirmed this, but when I look at my account online, the additional funds added to the CD are not there. They are still in the Checking Account. I called Chase Bank 4 times since XX/XX/XXXX and talked with the Escalations department. They say that a case has been opened on this, but they can not provide a timeline on when they will have this settled and will not guarantee that I will have my interest backdated to XX/XX/XXXX, nor any guarantee that the funds will be added to my CD.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX  XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXX, XXXX  XXXX XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY XXXX XXXXXX/XX/XXXX -- - UNAUTHORIZED I INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft andfraud within XXXX business days of you recieving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan opened at XXXX XXXX on XX/XX/XXXX under account # XXXX and a XXXX XXXX account opened at XXXX XXXX on XX/XX/XXXX under account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX  account reporting to the bureaus is a result of identity theft and should be blocked from my credit report. I asked for the bureaus to send documentation of how they verified the account and information with the creditor but I have not received a document
Product: Checking or savings account

On XX/XX/XXXX I attempted to withdrawal money from and XXXX ATM in XXXX, CO. Cash never dispensed from the ATM, and it flashed to Out of Service immediately after. I contacted the ATM company who reviewed the transaction, agreed it was bad, and provided me with Case ID for my bank to see. I have not been given a Regulation E provisional credit and its been almost 2 weeks now. The customer service email will send me the same generic email response to everything I ask. The customer service over the phone was giggling and laughing the whole time and only would repeat the same information as the email. My bank is saying they need 45 days to investigate, although the merchant has already cleared the return and provided a case ID to reference against. I can not get any help at all. The bank is Chime, under XXXX XXXXXXXX XXXX  and XXXX. This has prevented me from paying bills and buying food, and its terribly inconvenient.
Product: Mortgage

XXXX XXXX Nationstar Mortgage I was informed that my loan modification payment would be XXXX/month I received a notice to pay XXXX XX/XX/2018 with a 7.2 % interest rate. 
This company has collected government payments under my social security number.
Product: Mortgage

My origianal mortgage with XXXX / Three and a half years ago Social Sevurity stopped payments to the tune of {$10000.00} because they said I made too much money and that they had over paid me. As a result I was late in my mortgage payements to XXXX. I tried to modify the mortgage many times but my paperwork kept coming back as incomplete eventn though I was working with Mortgage Assisance from the XXXX Office of MA. Because of this I was forced to go into capter XXXX bankruptcy. Then my loan was sold to Selecto Portfolio Services of XXXX XXXX XXXX Utah I have been making payments to them and the Chapter XXXX trustee. A couple of weeks ago my lawyer called sayin that SPS claims that I owe them {$10000.00} and that I have not paid them since XXXX XXXX. They want to go to court to remove the protection and foreclose on my property if I do not comeup with $! XXXX dollars. I am about to send in my XXXX XXXX payment. I am very nervous that this payment and the other payments will not be credited to my account. 
I have gone over all of my bank statements for the past XXXX years and I have made every payment. So, I do not understand why my account is not being credited and why if there was some kind of a problem, why did SPS not tell me sooner. I have been reading so many complaints regarding the company that it makes me fearful of losing my property. I am a single senior and would really appreciate any help you can give me. My lawyer feets that mortgage companies are always right but from what I am reading I have serious doubts especially in the case of a company like SPS.
Product: Credit reporting

Equifax refused to investigate blatant errors regarding XXXX XXXX reporting. Instead they rubber stamped XXXX XXXX reporting without investigating. XXXX XXXX deliberately forced the consumer to eliminate paper statements and to rely upon the website for information concerning home equity loan. They processed XX/XX/XXXX payment before they processed XX/XX/XXXX payment. In addition they stated that the total due was for XX/XX/XXXX for the XX/XX/XXXX payment when in fact they knew that the payment oin that date would allow them to intentionally damage ones credit rating with all of the credit bureaus. They also did the same thong in XX/XX/XXXX when they indicated that the payment was due XX/XX/XXXX Equifax along with XXXX, and of course XXXX XXXX have rubber stamped these lies..It is ironic that my husband XXXX XXXX and myself made the complaints to XXXX XXXX and all of the reporting agencies about the same problem for XX/XX/XXXX. After over 10 attempts to get this corrected finally XXXX XXXX corrected but of course did n't look under the covers for their error on these 2 payments
Product: Mortgage

i dont have any account number they can not provide me anything all i have is the warranty deed copy that they sent me and whenver i pay the house its only my name on the reciept no additional information my address is not even listed to the reciept.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to XXXX U.S. code XXXX ( XXXX ), XXXX U.S. code XXXX ( a ), XXXX U.S. code XXXX ( XXXX ) ( XXXX ) ( XXXX ), XXXX U.S. code XXXX ( a ) for helping to facilitate entities/companies to commit fraud. 

You/reporting agency are also in violation pursuant to XXXX U.S. code XXXX for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXXdays of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under XXXX U.S. code XXXX for damages.
Product: Mortgage

From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXPHH Mortgage Service loan number : XXXXRegarding : PHH Mortgage Servicer Loan Modification DenialOn XXXX XXXX, 2015, I was notified by PHH Mortgage Service Loss Mitigation that my loan modification was denied because of too much expenses, I have requested for an explanation. On XXXX XXXX, 2015, I received a Decision Notice ( denial ) letter of XXXX pages, ( exhibit A, B, C, D, E, F ) and XXXX pages of Income and Expenses Worksheet ( exhibit G, H, I ) via email and fax. On PHH Income and Expenses worksheet they stated that my expenses is {$6400.00}, which is completely inaccurate and deceivable figures. On XXXX XXXX, 2015, XXXX XXXX XXXX supervisor PHH Mortgage Loss Mitigation called me, I 've asked him why did you calculate this figures as part of my expense such as all the credit cards that I do not pay on and are delinquents and charged-off, and most of the other figures are outdated and inaccurate because it has been about XXXX months since I submitted my loan modification documents and even a monthly payment and the amount I owe on a mortgage on a house that I have not owned in over XXXX years? he basically stated that those figures are correct because they show up on my credit report and for me to contact those companies and have them remove it from the consumer reporting agencies. I asked my case manager from PHH Loss Mitigation why is the XXXX pages of Income and Expenses Worksheet has XXXX Investor XXXX, she said they are the one who owns my loan, I asked why is it in the Denial XXXX pages letter it states that XXXX Bank XXXX XXXX XXXX is the owner of my loan, she does not know. 
When I submitted my loan modification documents in XXXX 2015, XXXX XXXX XXXX XXXX XXXX was the owner, then XXXX XXXX foreclosing on my house and now XXXX XXXX denied my loan modification. Three different banks own my loan in less than XXXX days. I have presented this case to XXXX Housing Council of XXXX, Housing Counselor XXXX XXXX, she told me that PHH is wrong and she wrote a letter XXXX exhibit J ) stating that which I forwarded the letter to PHH. 

After consulting several agencies, I dispute the denial of my loan modification decision that was made by PHH Mortgage Servicer and whoever owns my loan. 
I demand a stop to the foreclosure of my house and I appeal to the owner of my loan to review this case. I also urge the Consumer Financial Protection Bureau to investigate this matter before the bank takes my house with their inaccurate figures
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * XXXX XXXX XXXX : Account Number : # XXXX For all 3 credit Bureaus * XXXXXXXX XXXX XXXXXXXX XXXX Account Number : # XXXX On XXXX Credit Bureaus Report *Affirm Inc - Account number XXXX *Affrim Inc- Account number : XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

This compliant involves Coinbase Inc. 

The following events transpired during late XX/XX/2021 leading to identification Coinbase had been breached and my account was negatively impacted : 1. On XXXX & XXXX XXXX, I attempted to unsuccessfully login to my account. I was unsuccessful due to your system advising my password being incorrect, despite using my recorded correct password. 

2. On XXXX XXXX, I spoke with one of Coinbase 's customer support representatives, XXXX ( badge # XXXX ) to resolve the incorrect password and subsequent locked account. It is important to highlight at this time, XXXX confirmed two factor Authentication was enabled on my account. 

3. On XXXX XXXX, I received an email notification from Coinbase of an unauthorized attempt to transfer Bitcoin Cryptocurrency funds ( XXXX Bitcoin ) from my account, despite my account holding no material residual Bitcoin. XXXX had advised, the transfer was on its way, but Coinbase had stopped the transfer out. 

It now appears after my personal investigation and analysis ; the hackers have sold my holdings as follows : XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX units purchased on XXXX XXXX at XXXX PM. 

Once this had been purchased, the hacker then SUCCESSFULLY transferred XXXX Bitcoin to the following Bitcoin Wallet address despite Coinbase claiming otherwise : XXXX This should not have happened as two factor authentication was enabled. I never received any emails or text messages in relation to any buy/sell transactions made on the account by the hackers or attempts to login to my account, except for the email on XXXX XX/XX/2021. I confirmed with your Coinbase helpdesk within the required 72-hour window this was wrong and Coinbase will have stopped the transaction ( despite it still going through ). This appears to be a failing of the Coinbase compensating controls against fraudulent transactions and cyber threats. 

I have attempted to resolve this with Coinbase through multiple support tickets and submitting via their complaints process since XXXX XX/XX/2021. I have had no resolution to the theft of my funds at this point in time.
Product: Debt collection

This collection agency Collection Management Company is attempting to collect a debt that I do NOT owe in the state of Hawaii and they have reporting this false information on my consumer report which violates both FDCPA and FCRA. I demand that they show evidence that they are justified in collecting such debt by providing all requested documents stated in the attached dispute letter. This includes a notarized signed agreement bearing my signature or an assigned agreement from creditor that also bears my signature. Last I check I did not signed anything authorizing this agency to collect on behalf of the creditor that I conducted business with. Additionally, in the state of Hawaii, a debt collector is required to be bonded and have a license to collect, therefore, I am demanding that they show proof that they are allowed to collect in Hawaii otherwise they would be violating the HFDCPA ( Hawaii Fair Debt Collection Practices Act ). If they can not show any of the requested documents then I demand that they cease all collection activity and delete this item from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told this company in many letters that were certified that my address is XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX is the ONLY address that is accurate and that should be on my report. I also stated my current employer is XXXX. XXXX XXXX. They had corrected the addresses, then added these ones back : XXXX XXXX XXXX XXXX, MA XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX type XXXX family This account is FRAUD : Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX, so I know they did not do everything that they can to make sure that my account was actually verified and they have yet to get back to me within 10 days of the METHOD OF VERIFICATION that I requested.
Product: Mortgage

Amerisave said after I explained my situation that I would have no trouble getting a mortgage with them, all I needed to do was pay for an appraisal. I did and was denied the loan, even though the appraisal came in as it should have. Avoid Amerisave at all cost, they are very fraudulent ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Investigation Request to Delete/Correct Credit Inquires/Accounts To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. { XXXXXXXX XXXX XXXX  } { ac # XXXX } { Account opened : XXXX XXXX, XXXX } { Reason for Dispute : Incorrect information, THIS ACCOUNT HAS BEEN PAID IN FULL XX/XX/XXXX, PLEASE CLOSE THIS ACCOUNT AND HAVE IT REFLECT PAID and CLOSED STATUS } I am allowing you XXXX days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX, has violated my rights. 
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 furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open # 12345, has violated my rights. 
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 car furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open plan as late for and purpose.
Product: Debt collection

I filed paperwork for an investigation into a company called LVNV Funding over a year ago and never heard back because I did not file a complaint with the police. It shows up on my credit report still. I do not know anything about this company or I have not taken any loans out through this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : 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