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

I asked Chime to cut my card off on XXXX while I was XXXX  The head XXXX  allowed me to do that. Chime did not do that. I received my # 2 stimulas check on XXXX and with in 2 min a XXXX XXXX XXXX my money transfered to them. Chime will not open back up my dispute. I have opened it multiple times and they said I need to give them more information. They won't contact or give the Sheriff Dept. any information. I have showed them proof I was XXXX up in XXXX. They send me the same letter every time saying to give them more information and then they will open my dispute. I have gave them everything I possibly could. They said my account had no change in profile information. Yes it was changed. They changed my phone number because Chime gave the number to me on account that was changed too. They will not cooperate what so ever with the investigation. I'm at a loss because they still think it was me that got the money. I was in XXXX Gave proof to them. They know they messed up when they did not cancel my card and protect my account like I asked them too. They will not give me the money back or let the Sheriff dept have the information to what ATM was used to get money off of, or information to make an arrest. I have emails where they say they will help and they are investigating. Not one time have they reached out to me to even let me know they keep closing my dispute. They are doing nothing to get my money back and they won't pay my money back. I have contacted them hundreds of times but get nowhere. They won't help me.
Product: Checking or savings account

Tried to logon to my XXXX XXXX bank account, but couldnt access; tried two more times, then I was locked out. There was a XXXX number to call for XXXX  Customer Service XXXX Called, explained problem ( just got new XXXX two days before and I thought that was the reason I couldnt get in new device ). Possibly part of the problem, but problem needed to be turned over to our fraud department and would I give them a time to call me back. A person from XXXX Fraud unit named XXXX did and I was told at XXXX XX/XX/XXXX someone from XXXX XXXX XXXX hacked my email address requesting {$40000.00} USD from XXXX This is an XXXX XXXX XXXX XXXX, therefore it must be reported to the Feds. Since international money transfers take between XXXX hours to process, there was time to freeze the transaction. Someone named XXXX XXXX supposedly a Fed ) would be our contact and she provided the name of the bank XXXX Bank of America in XXXX XXXX, CA XXXX ) we should wire the $ XXXX to an escrow account to hold. This document also had names, addresses, account/routing numbers, etc THIS INFO : BofA Bank Name XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Routing : XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX. CA XXXX Account holder address : XXXX XXXX XXXX XXXX, CA XXXX Unfortunately we did wire {$40000.00} to this address. The story goes on and on from here but Im not sure how much detail you need initially. We have gone to our REAL XXXX XXXX bank and had both checking/savings account numbers changed and XXXX has put a request to BofA to return the $ XXXX, but all they can do is request so Im not holding my breath. 

In the mean time the false XXXX and FBI agents ( XXXX, XXXX and XXXX ) have been calling me all day requesting another $ XXXX to be transferred. Stopped responding to texts and phone calls and I. CERTAINLY DID NOT WIRE ANOTHER $ XXXX!!! 

Phone numbers these people are calling from are : XXXX XXXX ( sometimes from XXXX, FL if there is such a place?
Product: Credit reporting or other personal consumer reports

I have an Experian membership account. I know the correct username and password. However, after logging in, it immediately goes to a screen saying it will send a verification code by text to my phone. My phone number changed. I no longer have access to the phone it is sending it to. 

When I call the customer service line, they ask first to verify identity. I put my correct social sec #, then zip code, then numerical digits of my address ( as prompted ). The system just goes into a loop, saying " we'll need to verify your identity first ''. I can not get out of this loop. When I ask for a representative it says it can not put me through until verification. I've tried repeating it, pushing various numbers, going through all the menus. Eventually the automated system hangs up on me!! 

I've researched a handful of various customer service lines online and called them all. Eventually, the same thing happens. I sent an email to a help box I found on their website, I got an automated message saying the email is no longer monitored. 

I've tried the reset password options, the " login a different way '' option, it always comes back to sending a code to my old phone number. 

Online search reveals that MANY other consumers have experienced this exact issue and I can not find any resolution. 

Therefore, I can not unfreeze my credit ( I had previously frozen it via my online account when I had access via my old phone ).
Product: Debt collection

Dear CFPB, I just looked at my credit report aand I am writing to file a formal complaint against WAKEFIELD & ASSOCIATES regarding their actions concerning account number XXXX collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to my understanding of the aforementioned regulations, WAKEFIELD & ASSOCIATES has failed to adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. WAKEFIELD & ASSOCIATES has not provided me with proper notification regarding the collection activities related to account XXXX. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. WAKEFIELD & ASSOCIATES has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question.

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. WAKEFIELD & ASSOCIATES 's actions have lacked transparency and accuracy, which is a clear violation of this regulation.

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. WAKEFIELD & ASSOCIATES has failed to uphold this fundamental requirement.

I am hereby requesting that this account is deleted from my credit report.

Furthermore, if WAKEFIELD & ASSOCIATES believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification.

I trust that the Consumer Financial Protection Bureau will address this matter promptly and ensure that my consumer rights are upheld. Please keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Product: Credit reporting

A XXXX door-to-door salesperson was attempting to sell me XXXX services. At first I agreed until I researched the circumstances on my phone and found there were some cases of fraud in a similar situation in my area. The sales representative called an individual on the phone who asked for my social security number in order to do a credit inquiry and I said no. The lady on the phone then said she could look up my 'secret questions ' to confirm my identity for a credit inquiry. I was placed on hold for several minutes and the phone hung up. At that point, I refused the service. I never game my SSN, and I never answered any secret questions for my XXXX account. I was alerted to a change on my credit report today ( 2 days later ) where XXXX had performed a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems is housing invalid information about me in there consumer reports. It has prevented me from opening up accounts at other financial institutions. I have tried to fix this issue on several occasions yet it stills remains. It has caused me to get hard inquiries only to be denied due to the false reporting from chexsysytems.
Product: Money transfer, virtual currency, or money service

FRAUD at COINBASE This publicly listed company is refusing to provide information concerning the unauthorized access and theft of my funds. 

There are over XXXX other clients, based on press reports that have had there funds stolen at Coinbase. 

I logged into my account today XX/XX/XXXX and have reviewed the transaction history. 

The Fraud occurred on XX/XX/XXXX. 

The amount stolen was {$4600.00} None of the actions were authorized by me. 

A XXXX debit card was entered into Coinbase by an unauthorized user. 

This XXXX debit card ends in the digits of XXXX. 

It is still listed on my account but Coinbase refused to provide the full information so it can be traced. 

Coinbase has refused to provide the full debit card number so XXXX XXXX in XXXX can track the cards use and its history. Current was the company that issued the VISA DEBIt CARD I have looked at the transaction history. 

I had a dual use verification set up with my phone. This was set up in XXXXXXXX XXXX XXXX 

Coinbase never used this to inform or confirm the fraudulent transactions. 

There are at least 7 to 8 entries in the account history made from XXXX back in XXXX and XXXX of XXXX. 

A password reset transaction was made on XXXX XXXX XXXX from XXXX. 

The funds were stolen on XX/XX/XXXX XXXX XXXX XXXXXXXX. 

I do not live in XXXX. I live in the USA I did not authorize the addition of any payment method from a XXXX debit card. 

I only use my lap top to sign into Coinbase. It was in my possession at the time of the fraud. 

No customer service representative contacted me on my lap top or on my phone during the fraud. 

I have never had any noticeable interruption in my phone service or been a victim of phone /sim swap. 

I have never received any communications from Coinbase claiming to be a Coinbase rep I was NEVER contacted by COINBASE about a new payment method, ( false XXXX DEBIT Card ) being entered into my account. 

There is no malware infection on my laptop as I have run scans. 

I do not know how the thief entered into my coinbase account. 

The list of actions NOT authorized by me include the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am asking the CFPB, as recommended by my Congressman XXXX XXXX, to fully investigate this fraude.
Product: Debt collection

I have received 30 emails from Halsted Financial Services between XX/XX/year> and XX/XX/year> claiming that they are collecting debt I owe from a XXXX XXXX XXXX, XXXX. account in the amount of {$900.00}. I do not have a XXXX XXXX Bank account and I do not have any outstanding debt. Therefore, Halsted Financial Services is either scamming me or there is an identity theft issue. I called the company to clarify what the debt was, but they would not give me any information without providing additional personal details such as the last 4 digits of my social security number. I am unwilling to provide personal information when it is possible I am being scammed by this company. I request that the company sends me detailed information of the nature of this debt in writing via mail to my home address or stop contacting me about debt which I do not owe.
Product: Mortgage

Regarding breach of contract : On XX/XX/XXXX, I entered into a reaffirmation agreement signed by myself and the then lender XXXX, which was approved by a judge in bankruptcy court in Nebraska. The terms clearly state that as of the date of the new contract any fees were brought current and that the monthly payment included zero additional fees. XXXX allocated a separate fee for property taxes paid by them pre-agreement in XX/XX/XXXX ballooning my monthly payment from the agreed upon amount of {$480.00} to {$1000.00} per month. Subsequently XXXX sold the loan to Caliber Home Loans as of XX/XX/XXXX who inherited the terms of the reaffirmation contract, but have to date not correctly allocated the fees and additional administrative costs they have incorrectly applied. On XX/XX/XXXX a federal court judge and opposing counsel in a legal case I brought against XXXX confirmed that any amount demanded over the approved monthly payment of {$480.00} was indeed a breach of contract and that I could pursue a case in state court. I have spoken to Caliber about this breach of contract over the phone back in XX/XX/XXXX but to date they have not reconciled the account and have mis-allocated the lender advanced fees, administrative costs and deferred interest as it should conform to the reaffirmation agreement terms. Caliber is demanding over {$8000.00} in overdue fees to bring the account current by XX/XX/XXXX or face foreclosure. I was offered a loan modification by Caliber at 3.75 % interest which would have included taxes and insurance in the total monthly payment, but was unable to agree to it by their deadline of XX/XX/XXXX because the amounts listed are incorrect. I would like to have the benefit of a loan modification as I am currently unemployed. I have written Caliber requesting they have the contract reviewed by legal counsel and reconcile the amounts to reflect what they legally represent. If Caliber refuses to comply with the terms of the legal agreement then I will have to sue for breach of contract, but would prefer to set the record straight and move on with a loan modification that is based on accurate terms of the agreement.
Product: Debt collection

On XX/XX/XXXX I was encouraged by XXXX XXXX XXXX to come out for a trip to XXXX for a discounted price of {$110.00}. What I did not know is that this was an attempt to sign me up for a timeshare. A timeshare that I was told I would be able to travel anywhere in the world with my family. However, after receiving the timeshare and beginning to pay for it. When I went to setup my first trip I was told I was not allowed to to my preferred destination at all and when I asked when it would be available I was told that they did not know ( this destination was presented to me in my XXXX information and pitched to me by their sales team ). I then paid over {$1000.00} to sign up for the program and then agreed to what I thought was at anytime I chose timeshare ( this was not the case ). I then fell behind on payments which has caused me stress and anguish due to my circumstances at the time and was not given an opt out option. I have already paid a few thousand dollars into a program I was not able to use once, even when I tried. I also do not have the ability to use the timeshare for the entire year of XXXX at all but am still asked to pay HOA fees, late fees, and a monthly fee of {$240.00} where only about XXXX XXXXa month is going to my actual loan. The interest I am paying was not based on credit just a predatory lender that took advantage of a great customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am submitting this complaint against Factor Trust , INC. Factor Trust has my personal information inaccurate and incorrect on my consumer report which is causing great stress. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I do not have any other addresses and I Do not wish to disclose any other addresses. Unless Factor Trust can produce or present to me legally authorized evidence to retain, much less report, these addresses, I DEMAND THAT FACTOR TRUST DELETE THEM FROM MY CONSUMER REPORT. Otherwise, Factor Trust is infringing on my federally protected consumer rights. " XXXX XXXX XXXX XXXX, LA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX, AND XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX '' NEED TO BE DELETED. Factor Trust has no legal authority to retain these inaccurate addresses on my report, especially without my consent. ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain mush less report these employers. I DEMAND THAT THEY ARE DELETED FROM MY CONSUMER REPORT. THE FOLLOWING BANK ACCOUNT IN ATTACHED LETTER SHOULD ALSO BE REMOVED. THERE IS NO REASON MY NONPUBLIC PERSONAL INFORMATION SHOULD BE SHARED WITH ANY THIRD PARTIES. I DEMAND THESE INACCURACIES BE CORRECTED IMMEDIATELY BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Factor Trust is now liable for damages of {$1000.00} per violation for civil liability for willful noncompliance. this also includes any actual damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U S C 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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.
Product: Debt collection

I settled a debt in collection with XXXX XXXX for my XXXX account that were collecting on behalf of Orion aportfolio Services, LLC.. They are still reporting that I owe a balance. I made 2 payments of XXXX on a XX/XX/24 and XX/XX/24. I've made multiple complaints through the credit bureaus saying this account was settled but they have disputed my claims. I have emails showing that payment plan we agreed upon and refused to remove it off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially submitted a previous complaint regarding the same issue ( # XXXX ). I just received a written response from Equifax. The issue is still unresolved and just as troubling my credit report is filled with inaccuracies regarding my personal information. To recap, the merchant XXXX XXXX XXXX 2 reported 2 accounts as delinquent to both Equifax and XXXX in XXXX. Both companies concluded neither account belonged to me. In XXXX, the same merchant again reported the same 2 accounts to both credit reporting agencies. However, while XXXX again concluded neither account was mine, Equifax now says they are mine. In the credit report Equifax sent me, they did not.provide me receipts or any other documentation showing the accounts are mine. They simply stated, " we verified that this item belongs to you. '' But no details were included, not even an address " unknown ''. So I am absolutely stating these accounts are not mine. And after reviewing the personal details of the credit report Equifax sent me, I am 100 % certain I am the victim of identity theft and/or fraud. Here are the reasons why : 1. My name on the report is listed as XXXX XXXX XXXX XXXX ( I have never in my life added any suffix to my name. 

2. The report lists a previous address as XXXX XXXX XXXX, XXXX, TX XXXX. That house is across the street from me. I HAVE NEVER LIVED THERE. My fear is the postboffice may have inadvertently delivered mail to the incorrect address at some point. My now deceased wife was an identity theft victim years ago when our mailbox was breached. 

3. The report also lists a previous address for me as XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I HAVE NEVER LIVED AT THAT LOCATION. 

4. Lastly, the report states both collection accounts were created on the same day with 2 separate account numbers on the same day ( # XXXX & # XXXX ) .How is that possible when I am one person? In addition, I have had excellent medical coverage through my employer for the last 16 years. Due to extensive health issues I met my deductible early in XXXX and certainly would not have had a copay for any medical services especially in XX/XX/XXXX. Nor would I have received any medical services from any provider who did not accept my insurance.

Equifax had not provided me with ANY documentation or tangible proof that these 2 collection accounts belong to me, other than to say, " we verified this item belongs to you. ''
Product: Credit card or prepaid card

Communicated with discover in regards to my credit card being closed as a result of me being unable to pay due to Hurricane Irma and me being extremely sick and in and out of the hospital received a letter stating I had until XXXX to clarify such matter I had contacted them a couple days ago was told if I pay around {$140.00} that my card would at least be reinstated a credit was issued and a foregivness fee on interest they then took said payment over the phone I am now at a - {$1.00} odd credit on my balance meaning I owe nothing yet I called back up and was told my card can not be reopened I was told since this debt is now paid up I would be able to get another card by reapplying of course I said I had the secured version and I know I wouldnt be the requirements of the unsecured they proceeded to say secured cards have to be applied for online I proceeded to do so imputed my income and was then denied for said secured card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I wrote to various lenders who were mostly authorized ONLY to pull what they had all agreed was a SOFT pull which would not be reflected. Others fell under the XXXX XXXX application which trickled down more lenders who claimed upon my phone contact to them that their pulls were soft. Amongst the lenders was XXXX XXXX XXXX who promised the pull was soft. After communicating with the manager, he said it was a mistake and it was too late. Because he did have a car of interest, he said that he could use his ALREADY EXISTING inquiry to get me pre-approved. He never disclosed that it would create more pulls or that they would be hard pulls. He was very much aware of my not being agreeable with any hard pulls. So this dealer trickled more hard pulls through his sub-lenders. Since they were hard pulls generated, none of it was with my authorization.