23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Number : XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX 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 XXXX 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: Checking or savings account

I received two checks from a third party, deposited on XX/XX/XXXX. Each for the amount of {$1200.00}. I felt suspicious that the checks may have not been real, so I called the Fifth Third mobile banking customer support line ( the same day, XX/XX/XXXX ) to see if they had any thoughts or saw anything that might be suspicious, to which they told me they did not see anything that would raise alarm. The next day, XX/XX/XXXX, the checks were processed and the funds were made available in my checking account. I received two more checks from the third party, each again for {$1200.00} deposited on XX/XX/XXXX. The next day, the funds were again processed and made available for use in my checking account. By XX/XX/XXXX, I had deposited {$5000.00} in total into my checking account. 

I was then unknowingly fraudulently persuaded by the third party to pay other third parties the following amounts on the following dates : A total of {$2300.00} on XX/XX/XXXX A total of {$2200.00} on XX/XX/XXXX. 

On XX/XX/XXXX, 5 days after the deposits made on XX/XX/XXXX, a withdrawal was made from my account for the total amount deposited ( {$2500.00} ) as a " Return Deposit Items '' transaction due to fraud. This happened again, on XX/XX/XXXX, for the same amount, resulting in a total of {$5000.00} being withdrawn from my checking account, causing it to be overdrawn by a substantial amount. 

I called Fifth Third again on XX/XX/XXXX, to ask what may have happened. They explained to me that the checks were either fake or the third party did not have the available funds in their account for me to cash the checks and that I would have to pay back the withdrawn amount or risk receiving overdraft charges. 

If either were the case, I would have assumed that the deposits would not have been processed, or the money would have not been accessible until it was proven that the funds were available in the third party 's account or that the checks were real. 

I was persuaded to make the outgoing payments mentioned above fully relying upon the funds that were processed and deposited in my account were mine to spend. I was never told or under the impression that they would be taken out of my account at some future date.
Product: Debt collection

My first loan payment was scheduled on XX/XX/XXXX with XXXX XXXX and I made the payment on XX/XX/XXXX but was not processed due to loan transferring. The loan was transferred to NEWREZ LLC. I contacted both companies and was told first my XXXX XXXX that I have to wait for the company to sort it out. So, on XX/XX/XXXX as shown in XXXX of the attachments here, a conversation with NEWREZ LLC Rep reported that I do not have any outstanding balance, and the next payment is due on XX/XX/XXXX. I tried to convince them through repeated calls about the issue before recoding this conversation several times, but no meaningful outcome. 

Recently on XX/XX/XXXX, The loan servicer sends a mail stating I did not pay my mortgage for XX/XX/XXXX even though I provided them with bank statement ( payment successful on XX/XX/XXXX as evident on the bank statement attached ), and a word of conversation from a representative of XXXX, my bank. This puts my mortgage on delinquency based on their report. I called several times, to request for explanation but always each time I get new person who will say something else very different from the other person. Fortunately, on XX/XX/XXXX, I get representative who made a case and put an escalation number with the hope that someone will call me to sort the issue out amicably. This is not fair to me considering the amount of time I have to spend in calling with no solution to the issue. I have to rest my case here with the hope that this agency shall stepped in to do justice for us.
Product: Debt collection

On or about XX/XX/2023, offender fraudulently acquired my private property and used that private property to acquire additional private property and credit information by pulling my credit without my knowledge and/or expressed written permission.
Product: Prepaid card

XX/XX/2023 my husband 's paycheck was deposited in my account and the the company doesn't allow this because his name is not on account. They allowed us to withdraw from it first and then hours later locked the card. I was sent an email requesting documents to verify and they refuse to respond. I have since received my own paycheck and still can't have access to my money. I have sent more than XXXX emails with no response and I have called more XXXX times and they won't allow me to close the account or file a complaint
Product: Money transfer, virtual currency, or money service

Weve had the most horrific experience anybody could ever imagine.  Im XXXX years old, my mother is XXXX, and my father is XXXX. On average ... we put {$100.00} - {$200.00} every week for 8 Years into our COINBASE Bitcoin account .... Then one recent evening in the middle of the night .... {$110000.00} worth of Bitcoin was hacked in minutes out of our Coinbase account!!! COINBASE has tens of Billions of dollars & their XXXX-year-old billionaire CEO XXXX XXXX ... basically all laughed about it & said Yes we have a great secure website, yes we have billions of dollars, yes we are the Custodian of your account, ... but guess what? 
Sorry about your luck ... .Due to all the small print about Bitcoin in  Coinbase , we have Zero liability & sorry ... we cant help you REALLY????? Imagine waking up and all of your money is gone at your bank or your stockbroker and they told you sorry about your luck, youre not covered and were not gon na do anything about it Well, My mom had a XXXX XXXX, I had a XXXX XXXX, + the XXXX XXXX event caused XXXX & my XXXX XXXX XXXX and will never grow back to where it was. Im trying my best to find a bulldog pitbull type Attorney as this case is approx {$200000.00}!! I drop in the bucket to them and they wont even respond to us 3 Senior Citizens. It was 90 % of ALL of our money!! They sign up millions of people a day around the world and take their money to invest in Bitcoin & other cryptocurrency ... yet nobody knows theres ZERO coverage & liability by COINBASE!!! ITS ABSOLUTELY CRAZZZY that this could be legal!!! They gave me some silly Im sorry excuse that theres a new thing called Coinbase Pro & its hard to hack Bitcoin from there ... but Ive been in for 8 years and I wouldnt have known anything about it since its a rather new thing ( Coinbase Pro ) Our response was ... why dont you have a department protecting people with big money in their account that doesnt know anything about COINBASE Pro??? The security employee said ... .thats a great question. I also then asked, How can somebody withdraw {$100000.00} and no bells or whistles go off??? regardless its a hack or whatever it is? He then said .... Thats another great question REALLY???? 
This is mind-boggling & beyond anyones imagination that Coinbase can simply say Sorry we cant help you & your money is gone forever & we have no liability as your Custodian & account Administrator Someone please please help us file a MAJOR LAWSUIT against these Billionaire Monsters!!!! PLEASE!! We cant even sleep or eat properly. This is torture & we were left in the complete dark by COINBASE & they have committed FINANCIAL NEGLIGENCE & FAILED TO SECURE OUR MONEY!! Its all we had & they have Billions $ $!!! And they can laugh at us & say Sorry?? TELL ME ITS NOT POSSIBLE!!! We pray for serious help 24-7. My XXXX & XXXX year old parents cant live much longer with this stress. If one of them dies .... this will get super ugly. 

Sincerely, XXXX, XXXX, XXXX XXXX XXXX XXXX ( my cell # )
Product: Debt collection

I do not have a signed contract with  Ability Recovery Service. I  have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX . I am not responsible for this debt with  Ability Recovery Service .
Product: Prepaid card

I purchased a American Express XXXX XXXX XXXX  from XXXX on XXXX XXXX XXXX for the amount of XXXX dollars. The total amount of the purchase was XXXX. When I received me XXXX XXXX XXXX I activated it and tried to make a purchase it was declined. I then called XXXX the first sent me a new link to my card saying my zip code wasn't registered to the card. I tried again to pay my light bill it was again declined. I called XXXX again this time I'm told that I had to redeem my gift card so I was given a link and I followed the instructions I was given. Yet again I tried to use my XXXX XXXX XXXX for a purchase at XXXX and was still declined.I decided to call American Express gift card and they keep saying it's the merchant I have to call the merchants. That the card is activated and working properly on there end. Well I called XXXX because they was one of the merchants I tried to make a purchase with.I was hung up on transfered to the XXXX language line, I was transfered to the wrong department a couple times. I finally asked to speak with a supervisor. She told me she had to put in a request for the refund and she was going to do so through the escalation team. She provided me with a incident number and told me to call back in 24 to 48 hours and give them the number and they'll be able to help me. When I did call back It was like there was no request nor had it been put in for escalation. She said her supervisor said because no one at the gift card department was trying to help me nor at American Express the best thing to do is to process the refund. She then said for some reason her supervisors system wasn't allowing him to process the refund and she could only give refunds for no more then XXXX dollars. So she transfered me over to the department that could process it. Despite having a 20 min wait I stayed in the phone and waited. When someone picked up the lady was confused at why I had been transferred over to her department. She then asked for a direct transfer to the department that could help she transfered as I waited about 4 mins then the phone disconnected. I called back this time the lady said I should speak to someone in billing. She gave me the number when I called this time the lady told me that everyone I spoke to told me that XXXX would not refund money for third party gift cards despite me having bought it there. Even though this is not true this was the first time I actually heard this. So I called American Express again they said again it's the merchant the car is activated and working properly on there end. Then I was told in order to get a refund if they can in fact give a refund I'd have to wait until XXXX dollars was no longer on hold. When I asked why would there be XXXX cent holds for every time I tried to make a purchase even they did not go through for me. The CSR couldn't give me any reason why the merchants would be able to charge my card XXXX cents but I could make not one purchase.So basically I'm left with XXXX will not help me and American Express I will have to wait and see if they will or can even refund my money back.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX XXXX a credit account was opened without my authorization or me knowing that the account was opened. I received the credit card in the mail and immediately contacted XXXX XXXX for a resolution. Upon their investigation they insured me the account was open fraudulently. XXXX XXXX submitted a request for removal of the account and inquiry to be deleted from my credit report to the XXXX major credit bureaus. As of XX/XX/XXXX the inquiry still remains on my TransUnion report. I have contacted XXXX XXXX many times and have disputed the inquiry that still remains with TransUnion just as much. The account has been removed but the inquiry still remains. The other two credit bureaus have removed the account and inquiry from my credit report for some time now. I have submitted a letter to TransUnion for further investigation and removal of this inquiry as well as taken steps with XXXX XXXX to see what the hold up has been regarding this issue. I have been told by numerous representatives that they have re-submitted a request of removal to the three credit bureaus and have been told to rest assure the issue has been taking care of throughout the last year and a half. I have taken diligent notes and feel confident that this process should not be taking this amount of time to be removed from my credit report especially since the account and inquiry associated was opened fraudulently.
Product: Credit card

I have had a credit card with Macy 's for years. Unfortunately, XX/XX/XXXX, I did n't receive my statement. I received a statement XX/XX/XXXX and I paid it immediately XX/XX/XXXX, but the following month Inoticed I had late payment on my credit report. I feel this late payment is unfair due to nonreceipt of statemen. I have had this account since XX/XX/XXXX and have no other late payments except for this one. I have been trying to get Macy 's Card Services to correct this predatory act for almost 2 years to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX VA XXXXI never applied for a loan Mod on this loan It has been lien stripped via bankruptcy someone did not get the memo I called and verified you got the bankruptcy paper work but someone keeps sending letters. 

Every time I call to update the account they keep asking me to modify a loan ... I tell them it does not exist and to update the files and they hang up on me. 

Please update your files and delete all trade lines for me they have all been discharged via bankruptcy. 

PLEASE READ THE BANKRUPTCY DOCS FULLY!!!!!!! 

SS # XXXXDOB XX/XX/XXXX
Product: Checking or savings account

Following XXXX transactions are not authorized. 

{$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 I filed a report in regards to these XXXX transactions. However, the bank did not even issue a temporary credit while investigating these charges and weeks later, they denied my claim. Wells Fargo is acting irresponsible for its customers when it comes to high amount claim because they are very greedy. This so-called {$0.00} liability guarantee is a false advertisement. Evil corporation likes to take from the poor. Please issue a temporary credit and reinvestigate these charges.
Product: Credit reporting or other personal consumer reports

JP Morgan Chase shows a charge off on my Credit Report for {$2500.00} that does not belong to me. I have never done any business with this company in my life. I need this removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus 89 times to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and im depressed I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of { XXXX } opened on XX/XX/2021 that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.
Product: Debt collection

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX is still listed under my personal information.
Product: Mortgage

We are under the CARES Act forebearance plan with Flagstar Bank due to job loss due to COVID. We are still paying our escrow and have made all arrangements needed for the program. We were not behind prior to the COVID job loss. We now have people coming to our door physically wanting payment. This is not right and we believe this should be considered harassment under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent a certified letter to Equifax regarding NINE ACCOUNTS they are reporting inaccurately. They deleted three and They have yet to correct the other SIX. These accounts are Student loan accounts that are reporting Late payments during the Covid-19 Emergency relief of student aid. Which per FEDERAL LAW states if they are in deferment they can not report a late payment. This is very harmful to my credit and ALL SIX accounts need to be updated and REMOVE the late payment they are reporting. Ive enclosed a copy of ALL SIX credit reports as well as the letter I sent to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint of in accurate late payment from Lendusa. They had 1 late payment listed for XX/XX/2019. Now all of a sudden I have 3 late payments from XXXX, XXXX and XX/XX/2019. This is causing a affect on my report in the midst of purchasing a home. I have never been late and had agreement for a deferral. I have contract and email. How can they all of a sudden report 3 late payments a year later this dont make any ethical sense
Product: Mortgage

I used my mortgage company 's website to set up an online payment as I usually do each month. The payment was set up to be paid on XXXX/XXXX/15. I received XXXX emails from Ocwen confirming I successfully set up my payment. They usually do n't take it out of my bank account on the day I request so when it did n't happen right away I did n't notice. When I reconciled my bank account last week I noticed it still had n't come out and got concerned. I logged into the website and it said I still owed my XXXX payment. I also noticed that their confirmation emails did n't arrive until after XXXX/XXXX/15, making it seem impossible for the payment to come out on time. Since it was the weekend I emailed my concerns but did not hear back. I called today and was treated very badly. The Ocwen representative assumed I was lying even when I asked him how to forward the XXXX Ocwen confirmation emails I had received earlier in XXXX. I had trouble understanding him but he finally said that no late charges had been added and did I want to make a payment. I said I would make the payment online so it cost less ( {$10.00} ). He said " so you 've waited 21 days to call and now you do n't want to pay ''. I am upset with his attitude and with the fact that I had to pay {$10.00} for an online payment I had set up on time. I do not trust them to now take the payment accurately and am worried they will take it twice. Ocwen 's communication has always been poor but we are trying very hard to stay current and they are treating us badly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

THIRD ATTEMPT. Third Party Creditors IS NOT LICENSED AND BONDED TO COLLECT ANY DEBT for me IN THE STATE OF GEORGIA AS PER NMLS ( National multi state licensing system ) consumer access. This is illegal Accounts- XXXX XXXX XXXX XXXX XXXX XXXX LL- XXXX XXXX
Product: Debt collection

I was sent a collections notice from the Portfolio Recovery on XX/XX/23 On XX/XX/23 I sent them a demand for investigation under the Fair Credit Reporting Act section 623 subsection 8D Proving that they have any rights to collect alleged debt. 

I received verification of debt on XX/XX/23 I then sent a second demand on XX/XX/23 explaining my first letter was a proof of contract and not a request for verification. I received back a letter explaining that's all the information I would receive. They have since placed my information on the credit reporting agencies and directly are affecting my credit history. 

on XX/XX/23 I received notice from XXXX and Assoc out of XXXX Tx notifying me that I had been placed for collection with their company.