23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On the morning of XX/XX/XXXX I received an email, which I now know was fraud from " XXXX '' stating that I requested my email to be changed and if this was not me to click the link for security. I mistakenly clicked the link and entered my password. This is the password I use for all my accounts and logins. My Albert debit card was linked to my XXXX account. Giving the hackers the information that I used Albert for banking and they accessed my account, made a fraudulent charge for every dollar I had in the account {$450.00} and changed that password. When I realized ( pretty immediately ) what occurred I contacted Albert right away. I told them that this was fraud and my account was compromised. It took almost 3 hours for Albert representatives ( via text because they dont allow phone calls ) to help me secure my account. As I was changing my password the hacker also kept changing it at the same time. Albert was able to finally block the other device from accessing and we changed to a whole new email address too. So finally secured my account. However they could not stop the {$450.00} charge even though it was pending. I asked them to decline it and not pay it. They said I had to wait until it posted then file a dispute. So I did. The very next day on XX/XX/XXXX it posted and I filed a dispute on this charge. Then Albert came back to me on XX/XX/XXXX and said they are closing my claim and found that it was not fraud. Said I had the right to ask for the documentation that they used to determine this. I let them know that this was unacceptable and asked for the documentation. They did not even perform an investigation into this. This vendor which was titled " XXXX '' had XXXX contact information such as address, phone number, real name was not a vendor I had ever ever made a purchase for. It was catagorized as " shopping '' so I said to them that they needed to actually perform an investigation on this. What was purchased from this shopping merchant? where was it shipped to? where is the tracking number for a large shipment like that? The company Albert refuses to answer my text messages or emails and they are not able to obtain this information because it is clearly fraud. Finally on XX/XX/XXXX they texted me the " documents '' used to determine my claim was denied and all it was is a list of transactions on my account that shows CARD NOT PRESENT, NO PIN USED for the {$450.00} charge. A zip code was used and the zip code is on both my albert and XXXX profiles under my address which was pretty easy for the hacker to obtain. If anything this shows proof that this is a fraudulent charge. Albert is allowing a fraudulent charge to stand on my account without refunding me and my money is supposed to be fdic insured. 
I have attached and image of the transaction, I have attached the image of the fraudelent XXXX email i received which is how the hacker obtained my albert login information ( same password ) and were able to see my balance and take every dollar. I have also attached the XXXX page pdf of the so called documentation Albert used to determine that it was not fraud. Which is a complete joke
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This VISA card goes back to beyond 2011, when it was Originally a XXXX  Visa Card, and was " Converted '' to BARCLAY. Back before that, I haven't records. 
-It was used as the XXXX XXXX XXXX to pay my XXXX XXXX after XXXX was gone. That was substantail because I was in Highest Senior Bracket. 
Along with others. 
" They put me on varying " Hardship Plans '' -- Each that would be fine for a number of months -- but XXXX. 
At XXXX they placed me on a different Hardship Plan. -- Which now I understand made the delayed portion now LATE. ( I think XXXX It accumulated Late Fees and a much Higher %. 

Since then, monthly I have been calling to find solutions -- looking for an Affordable Monthly Payment -- while making a Payment of Approximation. 
I WANT to pay this Bill. I ALWAYS pay Bills. But I can not do Hundreds of Dollars ... 
Yet they can only " Offer '' me Huge Pay Off amounts ... While I continue to make estimated payments. 
I am a XXXX on XXXX Soc. Sec. They want Payments well beyond my ability, all while adding Fees, and very High %. I call monthly for their " Help '' I can not pay " Settlement '' amounts. I want to do it Right. 
Please make them listen to me. Offer Reasonable Monthly, with Reasonable % and no Fees I have kept some records about these phone calls ( MONTHLY!! ) -- and the estimated minimum MONTHLY payment.
Product: Credit card

Please refer to XXXX, the original complaint I filed against Elan Financial Services on behalf of my client, XXXX XXXX. Elan Financial sent a letter on XX/XX/2016 and refunded my client 's {$240.00} with a sincere apology. Shortly thereafter, in XX/XX/2016, my client received a collection letter on the ELan debt. XXXX XXXX called me and I told her to throw the letter away. On XX/XX/2016, I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Minnesota XXXX. The letter states their client is U.S. Bank National Association dba Elan Financial Services. The letter acknowledges the death of XXXX XXXX 's husband and claims an unpaid balance of {$420.00}. I have since received numerous telephonic messages from XXXX XXXX regarding this debt. 
Obviously, because XXXX XXXX contacted me, XXXX XXXX 's attorney, Elan Financial Services provided DCM with this information. Any correspondence between myself and Elan Financial had been to resolve the original error on Elan Financial 's part and the extensive documentation, except for my contact information, was intentionally ignored or discarded in pursuing my client. 
What is the recourse for this? My client has suffered continually at the hands of Elan Financial Services. Still emotionally fragile, XXXX XXXX has been forced to revisit her grief on the death of her beloved spouse, harassed for a debt she does not owe and continues to pay for my services in correcting the ineptness of and by Elan Financial Services and their representatives. This is outrageous.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account to receive remittances from my online freelancing business since XXXX XX/XX/2022. XXXX PayPal account which is XXXX have funds stucked on it that I have to withdraw as soon as possible for emergency purposes. I'm hoping that I will get back my PayPal account to continue my transactions and able to withdraw my funds. Thank you and more power. 

For identity verification, I have attached my valid ID.
Product: Debt or credit management

Paypal is trying to charge me {$550.00} for something I know nothing about. I've been on the phone with them XXXX ( XXXX ) times and asked them to send me a list of what this is for because I've never bought anything through them for that single amount. They said they would send me the information but have not done so.
Product: Mortgage

The following is an email I sent to Corelogic explaining the situation and requesting for our funds to be refunded immediately : I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that Corelogic sent. The next document is the XXXX statement from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from Corelogic was received at the County on XXXX/XXXX/15 and the XXXX XXXX XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to Corelogic asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that Corelogic processes XXXX XXXX XXXX 's taxes for them. 
I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else.
Product: Debt collection

I noticed several collections on my credit from Trans World System. They took one emergency room visit and broke it down in twenty different segments and put each one on my credit. in the amounts of {$10.00}. {$5.00} and so on.
They never sent me a notice or anything they just put these errors on my credit.
I am a veteran and have insurance and am on XXXX and my insurance paid my medical bills.
This company really caused me a lot of harm..
I sent for validation of the debts and they are just ignoring me. this has been going on for six months
Product: Debt collection

XX/XX/XXXX I was involved in a romance scam that BOA allowed monies to be deposited in my account and that money was transferred out to the scammer and then my account was charged $ XXXX and now I've received a XXXX 1099 C that I owe a write off for $ XXXX. 

When this happened I went to the police because BOA said that was needed. My account was cleaned out XXXX I had in there plus the amount they added of XXXX. 

I tried contacting Bank of America and asking but they don't respond other than trying to do collections. Bank of America didn't help me.
Product: Money transfer, virtual currency, or money service

Coinbase has failed to issue 1099 's to consumers, which makes it almost impossible to calculate taxes owed to the IRS. Coinbase says they replied to a case, but they failed to give me my 1099.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Scott and Associates violated Fair Debt Collection Practices Act.

They refused to provide validation of debt that they claimed they had the right to collect. They refused to provide full disclosure under the Truth in Lending Act pursuant to 15 USC 16-01-1667j.

They refused to provide my original wet ink signature promissory note pursuant of U.C.C. - Article 3 - 3-501 ( b ) 2 ( 1 ).

Therefore, they admitted that they are not a party of interest and can not rightfully enforce their claim under U.C.C. - Article 3 3-301. Under US Code TITLE 15 > Chapter 41 > SUBCHAPTER V > 1692g part ( b ), this debt is now officially in dispute.

By law, all collection activities must cease.

Scott and Associates were not able to show any lawful evidence of debt validity, yet they proceeded with mail fraud and harassment. 
Such conduct has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort.

Be it known that Scott and Associates violated 15 U.S.C. 1692 ( c ) of the Fair Collections Practices Act by harassing me regarding this debt.
Product: Money transfer, virtual currency, or money service

Coinbase Issue Sun XX/XX/XXXX XXXX XXXX  This is just a small sample ( 3 emails below ) of the repeating cycle of emails I have had with Coinbase Support. There has never been an actual human response. All are copy and paste answers. I have tried all suggestions from their emails repeatedly without success. I am unable to login regardless of how many times I reset password or enter 2 step verification. I am trying to gain access to my account to determine if I have been hacked. 


1. Sun XX/XX/XXXX XXXX XXXX  To : XXXX I have not signed in quite time. At least 2 to 3 months. 
I believe I was hacked by someone representing XXXX that gained access to my phone this evening and were attempting to change my password. 
This occurred today Sunday XX/XX/XXXX after calling XXXX and speaking with " XXXX XXXX ''. 
He gave me a case ID # XXXX. 
When I looked up the phone # it lists a company called " XXXX ''. 


2. Sun XX/XX/XXXX XXXX XXXX  To : Coinbase Support I had my account locked due to suspicious activity sometime ago and I am unable to re-access my account. Resetting password and 2step verification codes do not work. 




3. Sun XX/XX/XXXX XXXX XXXX. 
To : Coinbase Support Please let me know what additional information you need. I have tried everything you have suggested and I still can't login. 



From : Coinbase Support XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Case # XXXX - Access to disabled account Hello, We need additional information from you before we can resolve this case. 

If you still require support with this inquiry, please reply to our original email with the needed information. 

If you are unable to locate our emails in our inbox, please check your spam and trash folders as some email providers automatically filter our automated messages as spam. 

If you no longer require support, please let us know and we'll close the case. We'll send a follow-up email every five days to check if you still need support with this inquiry. 

Thanks, Coinbase Support
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 XXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Years ago a joint checking and savings account was opened between my wife and I and at the time it included a reserve credit. Late in XXXX we were notified via email, I believe, that the account would be closed. I called to see what this was in relation to and was told due to inactivity it would be closed. If I wanted it to remain open I could simply transfer {$25.00} dollars into checking account. I did this over the phone with the rep online. Since then, in my error, I did not payback the {$25.00}. I have several Bank of America accounts and all have been paid timely. This payment was a complete oversight. I was never alerted, contacted or made aware of the late payment that was due but anyone taking a look at my account would be alerted that all other accounts were in good standing and clearly this payment of $ XXXX was just missed. 

After the XXXX Days this account was closed and written off ( Around XX/XX/XXXX ). Never any information from Bank of America regarding this. No alerts, no paper mail and no Email notifications. Junk mail was also scanned while on the phone with a rep at XXXX point and none of them ever made it to an inbox. 

In fact the only reason I was even alerted of this was because I was denied a loan and found that BOA had reported late payments and a write off. Within days the outstanding {$27.00} ( $ XXXX ) was paid and am awaiting this to make credit reporting. Credit score always over XXXX was now down near XXXX but recent late payments were flagged on the account. 

Reached out to Bank of America to see if they could assist and was met XXXX a very friendly rep who assured me that this could be fixed. Shortly after that first phone call the reps that contacted me were less helpful, accusatory and stating that this was my error and Bank of America did what they had to do and this was my problem. My credit impacted for 7 years over a simple {$25.00} error. There were several calls into BOA and no resolution was ever offered. The account is paid off with interest and it is very clear to anyone looking that this was an error and not avoidance of a payment. 

However, Bank Of America refused to assist on my behalf ( customer with multiple accounts for over 20 years ) with any remedy. No understanding, no explanation of any part, This was our fault and Bank of America could and would not assist. When asked about guardrails or alerts it was never answered and the finger was always pointed back in our direction. 

This mistake was our oversight and understand that we missed this payment for months but it was simply a mistake and an error. A mistake that has been remedied but the damage to credit score is done and I find it very hard to believe that Bank of America on its customers behalf can not offer a single solution to improving this situation.
Product: Vehicle loan or lease

I signed a document as the CO-SIGNER for a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. The borrower was denied credit. The dealer then put me as the principal borrower without notice. I received 7 credit denial before one credit company approved the loan and put me as the only borrower on the loan. 
I never received any documents from either the dealer or the lending company. 3 weeks ago, I sent them both a letter by certified mail requesting copies of the contracts for this transaction. 
All I received is a phone call from the general manager at the dealership saying that I did n't have to worry that it is normal in this situation that I became the principal borrower. I called the lending company asking for copies of that loan contract and they too said that they will send it to me and never did. 
I believe that FRAUD as been committed to make the sale no matter what. I never intended to be the principal borrower to purchase this vehicle and the dealer by refusing to give me copies of the contract for me to review where my signature appears and what THEY made it look like they had my approval to change the status of co-signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Equifax and XXXX  a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX and informed them that I was being XXXX. This account should have been cancelled and not be reporting an outstanding balance due. Pursuant to the Servicemembers Civil Relief ACT ( S.C.R.A. ) - Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider. 
I was XXXX for several months and upon returning I had moved and no services were provided in my new location. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Debt collection

or the last few weeks I 've been receiving phone calls between XXXX : -XXXX in my timezone as I am living in XXXX and I explained this to them repeated that it was waking up my XXXX wife and causing XXXX. Every time the caller was abusive, threatening to serve me with papers, have me arrested for failure to appear, calling me names like dead beat even after I confirmed it was not me be verifying the last XXXX of my social. An earlier company said it was a debt from Bank one from 2011 and I had not done business with them during this time. I simply asked them to quit calling and they refused. They would make a threat and then hang up. I continued to ask who they were, any informaton they are required to give you and everytime they refused. I would call back and they would hang up repeatedly even when I would ask to speak to a supervisor. It 's hard to discribe the language she ( XXXX ) used every time she would call me or I would return her call. Finally tonight I was able to get the companies full name in order to file a complaint when another agent answered. This is not my debt and every time I register a new phone number the calls continue to my cell phone thorough skype to china. Once she insisted that I confirmed it was my debt when I clearly did not and threathen me again. I do n't know the exact number of calls this week but I 've talked to them over a dozen times and she said plainly they will not stop until the guy is caught so clearly she knows it 's not my debt.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

All these account on my credit report are fraudulent and anything after XXXX is not mine and people have used my information and SSN number for you name they used so much to much list .Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I found out from the Equifax premier Equifax told me to sign up for XXXX XXXX. So I tried to sign up it tells me there's an account already exists it what is my Social Security number please I'm asking please my identity was stolen I never apply for any credit cards I don't have any credit cards. 


If someone can call me I would really appreciate XXXX