23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX N/A XXXX XXXX -- / -- XXXX {$100.00} COLL {$100.00} - {$100.00} - - - COL N/A XXXX XXXX -- / -- XXXX {$210.00} COLL {$210.00} - {$210.00} - - - COLL XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} COLL {$660.00} - {$660.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

SOMEONE FROM RENTON COLLECTIONS CALLED ME AT WORK, AND USED LANGUAGE THAT WAS MOCKING AND DEGRADING.
Product: Debt collection

I do not owe this company and never had a contract with the company Nelnet. They continue to email me and harass me about a debt that is not mine.
Product: Credit card or prepaid card

I went to use my card on Friday XX/XX/XXXX and was unable to it said my account had been locked and I needed to call! I have called everyday since trying to get a hold of them nobody answers and I am unable to get my money.
Product: Credit reporting or other personal consumer reports

On my consumer report XXXX reports XXXX DEPT SOC. SVC. CHILD SUPPORT is inaccurate and incomplete. 
I sent a certified letter ( attached below ) for information pertaining to this account and I was told over the phone that this case has been is closed for a long period of time and there was no way of retrieving this information. I also called this office several times only to be told that this is not them reporting this info it is the credit agencies. That I should go to the court house and request my information from the courts even though this account has been closed for years. Also they have confirmed that my case has been closed for many years. The error on my report shows many discrepancies and there are no amounts to reflect any past payment history, such as late payments or missed payments etc. Attached is the latest info from XXXX about an horrible investigation never performed to verify a inaccurate reporting of information. Also attached is the Cert, Letter I sent to them.
Product: Bank account or service

Again, Chase Bank deducted NSF fees very late in the next morning!! My check from XXXX ( pension ) was recorded on XXXX/XXXX/2015 and when I checked at XXXX ( XXXX/XXXX/2015 ) everything was o.k. XXXX no deductions from my account ). However, when I checked again this morning ( XXXX/XXXX/2015 ) they had delayed deducting some of my checks until XXXX/XXXX/2015 and yet said that the checks were from XXXX/XXXX/XXXX, causing a NSF fee. This is, again, a rip off of customers that Chase uses as a tactic to receive millions of dollars a day unfairly from their customers! This is the 4th time that this has happened to me and the 2nd time this week. They had said a couple of weeks ago, that this illegal tactic would be rectified, but they have not either rectified ORr they are delaying rectifying this until they continue to collect millions upon millions more or they are not going to change this dirty, money grabbing tactic like they told CFPB or in a letter to me! There should be a class action suit for hundreds of millions of dollars in regards to the continuance of this dirty tactic!!! I coluld see why Chase has one of the worst records when it comes to complaints. I was originally ripped off about {$700.00} a few years ago, but I complained to an assistant manager and he proclaimed he was going to help me, but I went back several times to talk to him, but nothing ever happend and I was unfairly out of over {$700.00}. The Chase assistant manager was a big phony and did n't do a thing for me like he said he was doing!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I am scheduled to update my credit reports within the next 15 days. I am keen to ensure that the following inquiries have been expunged from my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX*EQUIFAX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is imperative to reiterate, in accordance with FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. For your reference, I am re-attaching my FTC report with the reference number # XXXX. Furthermore, the Fair Credit Reporting Act stipulates that Credit Reporting Agencies must remove any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft within four business days of receipt.
Product: Credit card or prepaid card

My Key Bank Mastercard number was stolen by a XXXX sponsored XXXX user. His card was used to purchase {$1900.00} of electronically delivered XXXX  games. A fraud claim was filed with Key Bank and the card was cancelled. A police report was filed with the XXXX XXXX Police Department and the XXXX CA police department. 
XXXX provided extensive research to Key Bank identifying the thief by providing his gamer tag, console ID, IP address and billing address in XXXX California. 


Key Bank advertises XXXX XXXX XXXX XXXX for their Mastercard. Our situation proves this advertisement to be false. 


Despite the evidence from XXXX and our fraudulent claim, the bank paid the FRAUDULENT charges and CLOSED our claim. We were notified of the decision by mail WEEKS later. I am unsure how or why someone at Key Bank has the authority to spend their clients money, but it is exactly what happened. Key Bank advised they would not re-open, re-evaluate or re-open another claim to assist in a refund. We were advised to work with XXXX. 


Our efforts with XXXX, a multibillion dollar company, have fallen on deaf ears. Multiple hours of aggravation have resulted in no refund. XXXX isnt concerned with customer protection. They have confirmed the charges are fraudulent. They have visibility to the thiefs profile and wont take simple action to shut down the thiefs game utilization. I used the search engine XXXX to view the thiefs profile and activity ( which was paid for by my son and many other users ). The thiefs account was made within a four month period and was able to buy XXXX games with added packs and in game credits. 


XXXX encourages and rewards this behavior knowing it is a federal offense. Clearly XXXX accepts this behavior and does not penalize the thief or hold them accountable for fraud with XXXX. Who knows, maybe its a XXXX employee who has access to the profiles and sells the information. 


I would not encourage any XXXX or XXXX account holder to enter a credit card number into their profile as XXXX places you at risk and sponsors this type of behavior by their lack of resolution action. I advise to purchase pre-paid cards for any online gaming purchases to be safe. 
I was advised by the XXXX XXXX Police Department that we lost our leverage by paying the Key Bank XXXX. 
The police department advised I should not have paid the credit card and let Key Bank sue us for the fraudulent charges. 


I am left with zero resolve and am out {$1900.00} due to poor customer service and praising criminal behaviors.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX  numerous times regarding the late payment they are reporting in XX/XX/2021. They have refused to update this to positive even though I was protected by The Cares Act which states due to XXXX  XXXX forbearance program regulations that no late payments are to be reported during the time of covids forbearance program and per 15 USC 1681s2 ( f ). Not to mention that due to XXXX XXXX, I was in a coma that i should not be suffering with this ongoing issue and it is NEGATIVELY impacting my credit score and XXXX XXXX  is the only Merchant that has not fixed this issue.
Product: Credit reporting or other personal consumer reports

Online offer was issued in my name, after reports made about returns to outside merchants. This Merchant lead me to believe, corrections would be made but never was. I notice amount kept increasing and I was not using the credit card. I contact them again about the ongoing increase this Merchant failed to correct but lead me to believe everything would be taking care of and for me not to worry this Merchant filed to credit report instead of making correction clearing balance. As of XX/XX/2023 this Merchant for years now have fraudulently continue to report this information this has harmed me in a great way. Merchant is under a bank that extended credit to me for account was opened using my name. I am now blocked from any increase credit due to the fraudulent account Merchant keep reporting. I notified credit bureau years ago but they keep allow Merchant to make reports of owing balance when I owe nothing, Merchant failed to handle account in my name for fair investigation, plus allowed ongoing billing to be added to my name leaving a balance of XXXX I never charged this amount and asking for removal and never to be reported using my name.
Product: Debt collection

Portfolio Recovery has been garnishing my wages since XX/XX/2017 for debt that was being paid thru the Law firm that they hired. Now I have been paying the law firm {$320.00} a month and they have been garnishing {$85.00} every pay period. But according to their records, this account has been resolved but they still garnishing my wages!! I have proof of the garnishments from my employer and I have proof of debt paid and payments paid to the law firm hired to collect the balance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX attempted to obtain my credit report via XXXX XXXX XXXX. Equifax and XXXX XXXX would not respond stating my account couldnt be released because it was locked up for promotional reasons. 

Attempted to obtain credit reports from Equifax and XXXX XXXX on two separate occasions in XXXX. Provided necessary and needed documentation to XXXX XXXX XXXX. XXXX XXXX and Equifax stated that I did not provide correct information. On both occasions. 

XX/XX/XXXX, I attempted to apply for a XXXX XXXX  to improve my credit. I keyed in my name and my Social Security number and I could not be verified. 

On the same day, I applied for a XXXX XXXX XXXX XXXX. My address could not be verified.
Product: Money transfer, virtual currency, or money service

Hello, I have been using Coinbase.com to purchase some cryptocurrency. To transfer money in, I had to use a XXXX transfer from my bank ( XXXX, XXXX ). I made the transfer from my XXXX  account on XX/XX/XXXX and it arrived 2 days later in the Coinbase account. The instructions requested that I use a specific identification code in the transfer, which was fine.

I wanted to withdraw a quantity of that money back to my XXXX account, for which Coinbase requested that I send another XXXX transfer for a small amount to verify my bank account, which I did on the XX/XX/XXXX( at a flat fee of XXXX per transfer ). Since then, Coinbase has refused to verify my account and I am left with XXXX of my money stuck in their account.

I have mailed Coinbase on two occasions about the issue, on the XX/XX/XXXX and XX/XX/XXXX, to which I have received automated responses. I have read of many other accounts online that have suffered the same problem with no help from Coinbase.

I need access to my money immediately and they are refusing to let me withdraw it back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I made two separate payments that totaled {$790.00}. I have sent multiple emails and complaints via CFPB as well as three bureaus about the matter. Flexible XXXX has been reporting incorrect information and failed to remove this information from my credit. According to the FCRA, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. I have attached relevant information of proof to verify my testament. They may view the incorrect information found on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am an identity theft victim and that I am questioning some records in my paperwork that may have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The problem is excessive phone calls from a debt collector. 

XX/XX/XXXX I was contacted by Diversified Consultants, Inc. concerning an outstanding loan from XXXX. The loan balance now is {$1500.00}. I started making payments of {$30.00} a month XX/XX/XXXX. I was in formed by DCI that if my payments were not secure tbey have the right to call me either everyday or every month. I declined the offer. 

Each month I was asked for permission to access my account and I would decline. In XX/XX/XXXX I made my payment and was asked again. I declined. XX/XX/XXXX i started receiving calls from DCI when the phone would ring 1, 2, 3 times and the party would hang up. Below is the list of dates and times of calls : XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX. XXXX, XXXX XXXX XXXX  On XX/XX/XXXX, i called DCI about the calls and a male introduced himself as a manager. I told him the problem and he repeated that they have the right to call me because my loan is not secure. I then asked if it was part if their policy to let the phone ring and hangup. I then hung up. 

I understand their having the right to call but it is harassing to call the way they are calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that theinformation they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account correctedas soon possible : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I responded to an Amex Offer to make a purchase at XXXX of a minimum of {$340.00} and get {$70.00} back. I made a single transaction at XXXX on XX/XX/2020 for {$370.00}. I never received the credit and I inquired and the customer service agents told me that the transaction had been split in two, and {$49.00} of the transaction now did not qualify so I couldn't get the offer. I feel this is deceptive, and I was induced to spend the money by the offer.
Product: Mortgage

I sold my home on XXXX XXXX 2015. I spoke with my Lender, Franklin American Mortgage co, multiple times before closing and was given different answers and the same thing happened after closing. Multiple issues include : the title companies check does not match what was deposited into my account that the mortgage co has listed and I was told I would receive a refund but never did. 2nd. the title company was given the closing payoff for XXXX/XXXX/2015 but should have only had the one from XXXX/XXXX/2015 and as the instructions state on the payoff statement I would just add XXXX give or take if paid after the first of XXXX/XXXX/2015 there was no cut off date on payoff form to state when this payoff was not valid any longer. I was informed by XXXX different mortgage representatives that since I was closing XXXX/XXXX/2015 I would go by the XXXX/XXXX/2015 statement and follow the direction of adding the interest. I was told multiple times that the title company should have not received the XX/XX/XXXX payoff and the mortgage company had no clue how they got that XXXX. The mortgage company told me that I would receive a refund since there would be a difference in the XX/XX/XXXX payoff which was the correct one the title co should have had. 3rd I paid MIP multiple times and feel have overpaid. I was told by the co mortgage payments are in retro so my last payment was XXXX/XXXX/2015, which would have been for XXXX 's interest and MIP and then XXXX XXXX 's payment ( closing ) included all the interest and fees and that would have been payment for XX/XX/XXXX and XX/XX/XXXX. However, I paid fees in closing plus XX/XX/XXXX and XX/XX/XXXX there was MIP payments taken out. Since additional MIP payments were removed from my account I received XXXX from my escrow balance and not the XXXX that I was told from the mortgage company I would receive. I have communicated with multiple people including managers at the mortgage company, but all of them had a different answer or reason. I think I am owed a refund for additional MIP payments removed from my account and also the difference in what was paid on the HUD sheet verses what the mortgage company has in my account history. My final contact with them was through certified mail and they responded back with even different info then I was told on the phone by them and the same paperwork I have been sent that still does n't make sense