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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$600.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$330.00} written off. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Account charged off. {$3300.00} written off. {$3200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$8600.00} written off. {$9400.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$600.00} Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$330.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Money transfer, virtual currency, or money service

{$180000.00} worth of USD XXXX  coins stored in my XXXXoinbase Wallet was drained in XXXX counts of unauthorized transactions to random wallets through a mining pool scheme operated through XXXX XXXX XXXX XXXX XXXX that was access through the Coinbase Wallet App . 
I raised the issue to Coinbase a month ago that they have withdrawn my funds without my consent. Coinbase falsely advertised its wallet app being the safest with high security features. This was an inherent and serious security deficiency from Coinbase Wallet App that caused the funds to get drained without any type of notice or authorization. 
I also got no concrete support from Coinbase over the past month and they are denying any type of support or help in getting back or reimbursing the lost funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  on XX/XX/XXXX to dispute a XXXX XXXX XXXX Acccount that is reporting inaccurately on my credit profile. They returned a response of verified as accurate in which I am quite behooved. I myself contacted XXXX XXXX XXXX and they were not able to validate this account. First off let me say I do not have an account with XXXX XXXX XXXX. I did get approved for a car loan and did sign documents for the loan. XXXX XXXX XXXX Sent the check directly to the car dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( Car Dealership seems to be Now closed down ) I was never delivered a vehicle and NEVER took possession of the vehicle. This was also known by bank rep XXXX who handled the loan process who in turn tried to contact the car dealership and was not able to locate the vehicle. XXXX and the dealership both confirmed to me that the check was received by the dealership in the amount of {$31000.00}, I have a voicemail recording from XXXX that will serve as proof that I NEVER taken possession of ANY vehicle. Fast forward a few months. I reached out to XXXX a few more times and to no avail was I able to reach him, even went into the local branch and was advised he was out to lunch. 
( I know feel as though he was avoiding my calls ) A few months later I check my credit report in the process of refinancing my home and I notice a collection/charge off in the amount of {$31000.00}. Mind you I was never sent a bill, statement, payment due notice, or past due notice from XXXX XXXX XXXX. I'm quite confused on how an account that is reporting as an auto loan didn't go through the repossession phase. How did it go straight to charge off if its indeed an auto loan? Wouldn't XXXX XXXX XXXX want possession back of a XXXX car that not being paid for? Clearly there is an error somewhere, and clearly XXXX XXXX XXXX KNEW that I NEVER took possession of that car and still trying to collect on the debt. They sent the check to the dealership, wouldn't that discrepancy be between the Bank and the Dealership? 
I contacted XXXX XXXX XXXX directly on XX/XX/XXXX @ XXXX XXXX  talked with XXXX, XXXX, and XXXX who all advised that I signed for a personal loan and not a auto loan which is why no repossession occured. So my question to them was why is it then reporting on my credit report as an auto loan? Clearly there is a numerous amount of errors in the reporting of this debt and I requested for XXXX to remove based on the FCRA violatons. I even noticed there is no dispute notation noted even after contacting XXXX XXXX XXXX via certified mail, I sent proof of the validation request, and a screenshot to XXXX showing no dispute notation and they are continuously responded back to my dispute as verfied WITHOUT launching a complete investigation into this matter. There is no way in the world this account was investigated and verified as accurate.
Product: Mortgage

Date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Nationstar Mortgage XXXX. XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Dear Consumer Financial Protection Bureau : Re : Loan Modification The sole purpose for filing this complaint is due to the amount of interest charged to my predatory loan. I have been unable to modify my loan after several attempts since XX/XX/XXXX. The loan was sold to Nationstar Mortgage and they told me I could modify my loan to lower my payments and prevent my home from being foreclosed. When I proceeded with the loan modification, I was told I owed about {$87000.00}. The loan amount has constantly increased, since my failed attempts to request modification. There are more unwarranted charges added to my loan that I do n't quite understand. I desperately need your assistance, not more debt. I am XXXX and the practices of Nationstar Mortgage and XXXX XXXX XXXX are unethical and aimed at taking advantage of consumers who are experiencing financial hardships. 

Furthermore, I applied for a loan modification with XXXX XXXX XXXX back in XXXX. I fully complied with all request but never got any resolution. So in my disappointment, I was told by a loan specialist with the XXXX XXXX XXXX, XXXX XXXX XXXX they lost my paperwork. Not to mention the fact, XXXX XXXX XXXX has a history of losing paperwork and delaying mortgage loan modifications. I was told there was nothing they could do to re-open my case. After submitting my paperwork again and waiting for the reviews and underwriter to make their decision, I was once again denied the modification because of lost paperwork and offered another forbearance. I am told different explanations each time I call and was actually told that they were awaiting a decision from the underwriters. This is gross negligence on behalf of XXXX XXXX XXXX 's part to avoid modifying my loan with the misplacing of paperwork as a stalling tactic. Then they conveniently transferring my mortgage to Nationstar Mortgage without my knowledge, while I am awaiting a loan modification. This is the reason why I am frustrated with XXXX XXXX XXXX & Nationstar Mortgage and now my mortgage is underwater. I would greatly appreciate your assistance in investigating this matter and remedying the unwarranted affects of foreclosure. 

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

they cloesed the card after a XXXX  when it was supposed to be incressed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and these accounts reporting to my credit are making it hard for me to move please delete any account that is not reporting properly to my credit so I can move this is affecting my life. Please also update my personal information
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block. Inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leading my account vulnerable and unprotected, Furthermore the dispute process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These action have caused significant inconvenience and financial loss, as i lost XXXX $ or more and my Cash App account was shut down being unable to recover my funds and not being able to contact support leaving me in despair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says that none of my information matches their information I want them to send me proof of what information they have that does not match. I have never given out false information. I believe they are doing the same thing they always do and that is pull the information by the address and not by the name and address. They have done this in the past and my mom would get the entire family living here credit info on her report. 

I complained about that because they used to give out the full credit card number and at the same time tell you to never give your card number to someone you do not want to have it. They WOKE UP and then continued to pull the info the wrong way but now only the last numbers are showing. 

They need to give me what info they have before I supply any info
Product: Credit reporting or other personal consumer reports

My Credit report shows XXXX addresses connected to my name that I've never lived at. The company that reported this address was a result of identity theft. I filed several disputes about this to the credit agencies, and they all say they will continue to report this because the creditor reported this as being my address. I've never lived in XXXX XXXX in my life, and the only place in XXXX I've lived is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I need all inquiries on my credit that were placed within the last XXXX years REMOVED as my ssn was attached to several credit breaches And I need my XXXX XXXX XXXX loan status changed to PAID IN FULL, ON TIME and for the XXXX off " status on the account removed. I paid over XXXX on my XXXX XXXX XXXX on time, in full and EARLY. 

I also need the XXXX collections being reported on my credit REMOVED as they are also attached to accounts that don't belong to me, and that I've previously filed FTC identity theft reports about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX  all have incorrect personal information. Including my middle name wasn't there. So I changed my name and address. Also my job title i have been employed for over 8 years. Once i tried to dispute changes, they're saying not available to process my dispute. im deeply sadden by this, especially through this pandemic.
Product: Payday loan, title loan, or personal loan

I VISITED THE BANK OF AMERICA BRANCH IN XXXX XXXX XXXX, CA ON XXXX   XXXX, 2020, ALSO THE XXXX   XXXX XXXX, XXXX, BRANCH BECAUSE THEY WERE SUPPOSED TO BE OPEN FOR BUSINESS FROM XXXX   THRU XXXX ACCORDING TO THE BANK 'S GENERAL TELEPHONE LINE- ( XXXX ) XXXX. IN REALITY, THEY WERE ALL CLOSED. THEIR FRONT GLASS DOORS HAD MULTIPLE SIGNS -- CLOSED, CLOSED. NO EXPLANATION GIVEN AT ALL! 
THEREFORE, I FEEL THAT I SHOULD REPORT THESE UNETHICAL BUSINESS PRACTICE TO YOU FOR TWO REASONS : 1 ) FAKE MESSAGES TO DISTRACT THE CLIENTS, 2 ) LOSS OF OUR PRECIOUS TIME TO TRANSACT OUR TIME SEN- SITIVE BANKING NEEDS, 3 ) ALTHOUGH THE ATM MACHINES ARE OPEN, THERE ARE TRANSACTIONS THAT CAN NOT BE PROCESSED BY THESE MACHINES., THESE TRANSACTIONS NEED A LIVE BANK CUSTOMER REPRESENTATIVE TO PROCESS AND PROVIDE A RECEIPT AS PROOF OF SERVICE AS OF THE TIME OF THIS WRITING, I AM STILL UPSET AS TO THE BAD BEHAVIOR OF THESE BANK PERSONNEL! NO COMMON SENSE!.
Product: Debt collection

My attorney sent a letter on my behalf ; however, the debt collector never responded
Product: Money transfer, virtual currency, or money service

Unknown person hacked Google Wallet account at ( XXXX ) and changed phone number on gmail account. When I have tried to access my account via recovery option selecting " I don't have my phone '' I am receiving a message " couldnt sign you in '' being given Zero options to A ) change the phone number or B ) investigate the matter further. This is unfair and illegal business practice.
Product: Debt collection

I bought XXXX XXXX phones and XXXX watches for the phones with XXXX to track my kids, on XX/XX/2023 my phone could not track my kid, I called XXXX and they said I could not exchange it for anything even though wasnt working needed it to continue to pay regardless for XXXX more months. I asked to cancel my services, on XXXX XXXX I received a call from XXXX that I had to pay XXXX dollars, and I paid it, got a confirmation, was told it would not go to collections. Then it appeared as a collection on my credit report under XXXX, I called XXXX and said I never had XXXX and I was never on collection or had an account on collection with XXXX that I was ever made aware off. I had an account with XXXX and I paid it and got a confirmation Reference # XXXX and Transaction ID XXXX. I called the collection company and told them I never had XXXX phone and never received a collection noticed, I did get a collection noticed from XXXX XX/XX/XXXX that I paid. 
I called the collection company and they told me they could not tell me anything other than XXXX was part of XXXX, and XXXX is no longer in service. I asked XXXX why had they reported me as XXXX? they said they could not see anything. Basically none of the agencies are explaining why did they put me on collections when I paid the bill the only noticed I got was not from XXXX it was from XXXX XX/XX/XXXX. When I called and give the collection agency my Transaction ID and reference number they say they can not tell me wether it was paid or not? And they can not tell me what this collection is for, the only phone and collection letter i got was from XXXX never from XXXX and I paid it. 
I want the collection item be removed, and I need an explanation of what is this bill for? I only had XXXX?
Product: Credit card or prepaid card

I had a few XXXX gift cards that each had a balance of {$200.00}. I attempted to use the gift cards at my local XXXX to purchase groceries on XX/XX/XXXX. The total for my purchase was {$91.00}. One gift card should have covered the entire amount, however, when I tried using any of the XXXX gift cards they were all declined. I double checked the balance of each of them and they were all {$200.00}. I tried running them as debit and as credit and all of them were declined. Interestingly, when I " split '' the purchase amount and told the machine to only charge {$50.00} on the gift card it worked. I could only use the gift cards for a purchase under a certain amount despite them having well over the {$91.00} that my groceries cost. This was the case with several of my gift cards, where I was unable to access the full amount. They were constantly getting declined and when I would call and ask them why they were getting declined they said that the gift cards couldnt be used at my local grocery store ... .. they offered to replace the cards, but as I indicated the cards worked fine if you made a purchase for XXXX or less of the amount that was actually on the card. I was being denied access to money that was mine and their answers werent solutions. Because this happened multiple times at multiple stores, including XXXX and XXXX, this felt like predatory behavior from them. 
I contacted the company on XX/XX/XXXX requesting a refund for remaining amount on each of the gift cards since I was unable to use the entire amount on the gift cards. I sent them all of the information they requested, this included pictures of my ID, pictures of the front and back of the gift cards and receipts evidencing the declined transactions. I emailed them XXXX month later to check the status of the case. They never responded. I called them at the end of XXXX and the customer service representative told me that he would mark the case as priority and I would hear back within 48 hours. A week later I still hadn't heard back so I called them and they told me that they didn't receive pictures of the gift cards in the initial email I sent. I could see on my end that all of the images included in that email had sent. Nevertheless, I resent them the pictures of the gift cards. I received an email back saying they could not refund me due to terms and conditions. I read through their terms and conditions and didn't read anywhere at all about them unable to process a refund. I emailed back asking them to be more specific about the terms and conditions and where I could find this information he was referring to. They emailed me back and told me the case was closed. I have been unable to get a timely response from them to update me on the status of my case and they have failed to inform me on several occasions why this case was never moved forward.
Product: Credit card

On XX/XX/year> I went To pay my Raymour and flanigan account ( they use TD bank ) the minimum payment was made of {$120.00}. ( This was a XXXX  ) on XXXX  I logged Into my bank and saw that they took out the {$120.00} twice! On XX/XX/XXXX I called Them on the phone to make the complaint, because they were not open on the weekend. They told me I would me issued a refund check for the {$120.00} that they somehow took it out twice by mistake, but it would take up to XXXX business days and If I didnt receive it by the end of XXXX to call back. Well XX/XX/XXXX came around and still no check to be found. The next person I spoke To said I have to wait up to XXXX business days that I would Get my check. Well then it turned into XXXX business days and no one could tell me where my check was, they told me to give it a week and call back that they promised there would be an update on my account. The week passed by and I called And still no update, I was Told I had To wait another week! So today I call again, still NO update on my missing money or how long it would be, just that they were working on it I asked Them are you actually working on it because now were about to be 2 months in and my account is still missing the {$120.00} and I dont Understand how it takes this long to refund someone their money back that never shouldve been taken, but yet they still want me to make the monthly {$120.00} payment every month or I will Be charged a late fee for not paying, but yet they still have an extra {$120.00} of my money!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. offenders to exploit the system, leaving users vulnerable to scams.

Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

We are currently behind in our sewer and have been working to pay off our balance. The employees that work for Modern Recovery Solutions are rude and impossible to deal with. They told us they placed a lien on my property and that is not true. I verified this information w ith our county re corder of deeds. They are also threatening to shut off the water to a house we no longer live at. The water is no longer in our name and closed. They told us that we have to apply for a loan and provide a denial letter to be eligible to make payment arrangements. We can not afford an inquiry on our credit just to prove that we can not get a loan to make payments. How is that even a legal request to make a consumer apply for a loan to be able to make payment arrangements?
Product: Credit reporting or other personal consumer reports

Upon checking my credit report for a mortgage preapproval, my real estate agent advised me to report these fraudulent accounts. 

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with 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.

and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Debt collection

I have been communicating w this firm For a while they were notified that my mom XXXX XXXX passed away X/XX/17 the original creditor has copies of her death certificate. They sent summonses and then later after I spoke w them and told them she passed I was sent a letter of discontinuance in the mail. And was told no further communication would follow and that was it. Today I got a letter in the mail that the lawsuit was filed against my mom in XXXX civil Court