23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been unable to access my Coinbase account via the app for weeks now. I keep getting connection error messages. Their desktop website has been inaccessible as well. They have provided little to no help in resolving the issue other than sending me links to FAQs and asking that I reinstall that app ( which I have done to no avail ). In a cursory XXXX search, this appears to be an all-too-common issue, becoming very worried about the security of my funds.
Product: Debt collection

a credit card and a few other accounts were opened by my x wife with out my consent. i have received multiple letters and phone calls from XXXX XXXX  XXXX regarding a account that i did not open or have knowledge of. after explaining this several times i stopped answering there phone calls as i got no were with them and there only concern was to collect a debt i did not owe them. now a collection company named cks financial has began to harass me non stop from multiple numbers and even restricted numbers. there extremely rude and threatening and demand money which i do not owe. a letter to stop harassment was sent to XXXX XXXX  XXXX along with a identity theft report FTC report number XXXX even with this both company 's still violate the law and keep harassment daily up too 12 times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly tha I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates 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.
Product: Mortgage

Locked loan XXXX XXXX - Submitted last of docs XXXX XXXX. E-mail from lender docs received XXXX/XXXX/15. my real estate agent ( XXXX ) called me XXXX/XXXX/15 XXXX informed he just got off phone with lender. I called lender XXXX/XXXX/15 about closing I was told I did not meet their requirements. I asked for a denial letter, the letter said Credit app incomplete. lender Closed my app XXXX/XXXX/15. Lender did not notify me Nor did they have the right to close my Loan App. My loss {$1000.00} earnest money and {$500.00} for appraisal. Not to mention my time and everybody else 's. Lender has admitted to making a mistake. HUD contract expired XXXX/XXXX/15 XXXX has to be requested XXXX calendar days before expiration. Extension fee $ 375.00Lender said I would have to re-apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying the FTC and CFPB that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/1989 Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Phone or Utility I have also experienced the following problems as a result of the identity theft : * Civil suit filed or judgment entered against me. 
* Denied credit or other financial services. 
* Denied employment or loss of job. 
* Harassed by debt collector or creditor. 
In addition, I have lost 8 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services. 
I have no information regarding the identity thief. 
I have contacted the following credit bureau ( s ) : XXXX, Experian and XXXX  : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with XXXX, Experian and XXXX  : I have submitted documentation and was told several times on several calls that they never received documentation in order to remove these harmful inquiries
Product: Debt or credit management

I am writing to file a formal complaint against Kikoff regarding their misleading practices and failure to adhere to their stated cancellation rules. 

On XX/XX/XXXX, I closed my account through the kickoff application. I was assured that Your Kikoff account will no longer be included on credit reports following the cancellation and deletion of my account. Based on this assurance, I proceeded with the cancellation. 



However, despite the cancellation, Kikoff continues to report information related to my account to credit reporting agencies, contrary to the explicit assurance provided. I contacted customer support again and was informed that the account does not get deleted from reporting, contrary to what was stated in my cancellation policys This situation is not only misleading but may also be in violation of several consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that consumers must have accurate and complete information on their credit reports. The continued reporting of information that was promised to be removed appears to be a violation of this act.

2. Fair Debt Collection Practices Act ( FDCPA ) : If this reporting is considered an attempt to collect a debt, it may violate the FDCPA, which prohibits misleading practices and requires accurate reporting. 
XXXX. Unfair or Deceptive Acts or Practices ( UDAP ) Laws : State consumer protection laws often prohibit unfair or deceptive practices. Kikoffs misleading assurances and failure to follow through on their cancellation policy may breach these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Product: Debt collection

I have disputed this charge for over 2 years. 

Never received any documentation. The company tried to garnish my wages. I applied for an exemption and won because they did not show for court. A year later, they did it again. And again, it was dismissed because they did not show. They have no proof or evidence this debt is mine yet they keep trying to stonewall and bully me into paying by using the court system and threats of garnishments. This company also shows on my credit report as 3 Separate debts in different amounts. They are fraudlent and using illegal practices to collect.
Product: Credit card or prepaid card

I applied a Chase credit card and it got approved. I waited for a week to get the card. But when I received my credit card, I also got a letter about they are going to close my credit account at the same time. I don't know why it happened. If they don't want issue me a credit card, they should just disapprove my application. Not send me a card and also told me my account will be closed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX  Balance {$2000.00} XXXX XXXX XXXX XXXX BALANCED {$3000.00} XXXX XXXX XXXX  XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to complain about incorrect credit information which is appearing on my XXXX   credit report for a Macys credit account. Macys on XX/XX/2020 reported my account as 30 days late to XXXX. This update flagged my account negatively and brought my score down by 21 points. I worked with Macys to resolve the issue and had them correct it at their end ( I have a letter from Macys which confirms the correction ) .However the department within Macys which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to XXXX. I also worked with XXXX  to rectify this error by providing them supporting documentation from Macys but as per XXXX  they have not received any updated information from macys to remove deliquency. I have been thrown in circles by both of these companies- XXXX   and macys credit reporting department. Macys, on each call has confirmed that from their end the account is current and has never been late however XXXX  is still reporting the account as 30 days past due in XX/XX/2020. 
XXXX on XX/XX/XXXX - report number XXXX, corrected the information but on XX/XX/XXXX - report number XXXX again published incorrect information. 

This is a pure example of missing links in the process which macys uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify and update information. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me from moving forward with my home buying process. I would like to request XXXX  to remove 30 day delinquency attached to my macys credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. Thanks
Product: Checking or savings account

Bank of America gave my visa debit card information to a company without my consent. In XX/XX/XXXX I subscribed to a XXXX  service. I used the service once and forgot about the service. In XXXX and XX/XX/XXXX the debit card I used to subscribed to this service was compromised and I was issued a new card. I still had forgotten about this service till today when logining into my online banking with Bank Of America I found a {$100.00} charge from this company. In my online banking account there was a link where I could click and it would take me right to the companies website. Upon checking transaction history with this company I found out this company had tried to charge my old debit card which declined but then charged my new debit card. I never updated my debit card information with the company so I contacted their customer service asking how they got my new debit card information? The company informed me that the bank gave it to them. I immediately contacted Bank Of America. I was not happy. I got really upset when Bank Of America basically passed the buck and stated they did not release my information but that visa did. But this is a visa debit card provided by Bank Of America. I requested my money back but was told in order to do that I had to dispute the charge as if the other company fraudulently used the information and a block would be put on my debit card and a new one issued. The issue was not the other company it was Bank of American releasing my debit card info to this company without my consent so I took issue with blocking and giving me a new card just to get my money back. I was very upset and frankly not nice to Bank of America customer service. I spent 45 minutes on the phone with them with no resolution. I ended up hanging up on them. I reconnected with customer service with XXXX XXXX and was informed that this was a common issue and that the bank considers it a perk for the customer. The genealogy agreed to refund my account no questions asked. I am filing this report because I take issue with Bank Of America giving a company my card information for a subscription renewal. Typically if a card is declined it should be up to the customer to give the company the updated information not the bank. Bank of America says they would not do that but I have copies of my conversation with the XXXX company and the transaction history. I have been a customer with Bank Of America since at least XXXX. {$100.00} may seem insignificant to Bank Of America but it's not for me. I no longer trust them to store my money and adequately protect my financial interests.
Product: Credit card

I made a payment in store on my XXXX XXXX XXXX XXXX credit card on XXXX. I have the payment receipts & bank statements to prove I did so. So I asked to contest the claim of a payment not being made. They told me that they would email me a form to prove I have paid. I havent received the form or a way to prove I had paid my bill form Comenity Bank yet. My bank statement shows they have tanking the money out of my account & I have the payment receipts showing I made the payment in full before the do date. Now they have tacked on late payment fee as well as interest charges even though I made the payment in full.
Product: Debt collection

RE : Account number XXXX ; and Misrepresented Instrument - Bill of Attainder / Foreign Bill of Exchange titled Loan Statement dated, XXXX. 

There are two different loan numbers for XXXX XXXX XXXX XXXX 
XXXX. As of this date you have waived your due process rights by failing to answer and prove your claim of an alleged debt which constitutes default. Your default stands as conclusive evidence of your admission by silence to you being guiltynof fraud and swindles under Title 18 USC 1341. 
Your default also stands as conclusive proof of you having no valid claim of a debt, and proof that your misrepresented instrument - bill of attainder /foreign bill of exchange titled MORTGAGE STATEMENT dated XX/XX/XXXX, and any other instrument associated with account number [ redacted ] XXXX are unconstitutional, notwithstanding. null and void ab initio, and are unenforceable for fraud. See United States v. XXXX, XXXX XXXX. 
XXXXXXXX XXXX XXXX ( " Fraud vitiates the most solemn contracts, documents, and even judgments. " ) .XXXX : Account number XXXX ; and Misrepresented Instrument - Bill of Attainder / Foreign Bill of Exchange titled Loan Statement dated, XXXX. 


All correspondence have gone or answered has the statutory 30 days required by federal law.
Product: Credit card or prepaid card

Dear CFPB I am writing to assist me to reopen my credit card that was closed what card issuer claims due to returned mail and not verified address. I applied this card 2011 and since then i did not change my address. I called card issuer was told that mail was returned and its flagged by system and they couldn't deliver my new card when old one expired.

Card issuer had my email address and my phone number and i did not receive any phone call or any email from them that they can not deliver my new card. I never changed my address i can only guess mail returned only because maybe usps delivery guy made mistake and couldn't deliver it properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

As of XXXX/XXXX/XXXX, I went to log into my Nationstar mortgage and it 's asking for my email address and email password. That 's against the law. The should not be asking for passwords to your email account. I made a payment on XXXX/XXXX/XXXX and I did not have to do this. I was able to log in with my username and password I created XXXX XXXX. Why are they ask for that. I 'm to review my payment information and how they came up with me oweing {$400.00} more than whats due.
Product: Credit reporting or other personal consumer reports

My information was stolen and my credit card was hijacked. I have reported this to XXXX and I keep calling but they tell me to wait until I hear back from them. They just reported that I have not paid my bill to the creditor but they are not informing me of anything that is going on. I dont understand why they are reporting me for not paying my bill while they are investigating.
Product: Mortgage

I am being charged late fees for my mortgage. There used to be a grace period where I had until the XXXX to have my mortgage in and it wouldn't be considered late, NOW It's basically I have to have it in on the XXXX. I don't have any paper work that shows when the late date is. Even on the monthly statement nothing is there. I have been charged an additional {$42.00} for the last several months and don't feel that I should be paying that, unless there is a contract somewhere that I signed and I not aware of that. Could you please assist in this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I was a customer of yours for 7 years never once 30 days late. During the onset of the pandemic I had an active dispute on file for which your team advised they were not attempting to even collect the minute balance of {$230.00} while under dispute.

Despite such I then started to received excessive calls with regards to simple {$27.00} payment. I advised of the circumstance and that I was more concerned with the pending uncertainty as it pertained to covid 19 and that this account was already under dispute. 

I was advised that the months of XXXX and XXXX were reset to zero with no payment due and my next monthly billing would resume accordingly if dispute not resolved in XXXX. I ended up paying the account in full at the end of XX/XX/2020. 

This account continue to report adversely and inaccurately representing XXXX initially. I contacted your office was advised that never happened until I sent proof then it got fixed. Problem is I lost thousands in credit because of this with not so much as an apology let alone a resolution. Additionally I know what I was advised and my 7 years of never having been 30 days late clearly illustrates this is not an accurate depiction of my payment behavior as a consumer. 

I was not late and was advised these were covered I also paid in full. 

Please adjust the reporting of these or remove the account completely from my credit profile. It is my sincere hope despite all this has already cost me that we can move forward with a swift and amicable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has several accounts that do not belong to me and inaccurate I have tried to dispute these with no outcome XXXX XXXX XXXX - Not mine never opened up an account with this company XXXX XXXX XXXX XXXX XXXX - Not mine never opened up an account with this company XXXX XXXX XXXX - Nothing owed and past due remove inaccurate
Product: Debt collection

The bureaus inc Company violated the fair debt collections practices act by implying that the debt had been sent to an attorney. After notifying them if the violation they removed the comment from my file where they stated it has been sent to an attorney, verifying guilt. Item should be removed. 

They are trying to collect more than the debt amount listed by the original creditor, not because of fees or interest, they just have the wrong amount listed. This violates the fcra. The item should be removed. 

They sent me an unsigned blank binder as verification of the debt. They are verifying the debt with a blank document. This is fraud. The item should be removed. 

I never opened this account, this item is the result of identity theft. As proven by the unsigned blank binder that they are using in an attempt to fraudulently verify the debt. The item must be removed.
Product: Credit reporting or other personal consumer reports

I have recently checked my report and I have asked Experian serval times to update my personal information. 15 USC 1681 ( a ) ( 4 ) I am a federally protected consumer and I have the right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Each time I dispute and asked the document below will show you that it will say verified and updated which is false.
Product: Credit reporting or other personal consumer reports

My loan with XX/XX/XXXX was on auto payment, and due to getting a new debit card, the last payment was not deducted. Unfortunately the emails fromXX/XX/XXXX went to my junk, and the loan went into collections. The final amount owed showing on my credit report is incorrect, ( says XXXX dollars, it is XXXX ) as well as the last reported payment. I have asked Experian to change this and have provided proof and they have not fixed it.
Product: Credit reporting or other personal consumer reports

Over the past two years, I have been unable to access my credit report, file disputes, freeze and unfreeze my credit on the Transunion website. For over two years I have been calling and writing and every time I call the customer service representative states that they will escalate the situation and someone will call me back within 72 hours, for the past two years no one ever called me back and the error has not been fixed. Transunion is intentionally making it difficult for me to view and access my credit report, file disputes, and add and remove a security freeze. I can log in but I cant access anything, Transunion is refusing to fix the issues or address the problem. On XX/XX/XXXX, I was unable to unfreeze my credit to apply for something and Transunion requested that I mail them a copy of my ID and Social Security card which I did, and in that letter, I stated that am unable to view my credit, file disputes, or unfreeze my credit report in that letter and still nothing has been done, no calls no letters. It appears that Transunion is willfully ignoring and intentionally not wanting to resolve the issue.
Product: Checking or savings account

Direct deposit has not gone through when it was supposed to a whole XXXX hours ago.
Product: Credit card or prepaid card

Bank of America added {$780.00} credit on XX/XX/XXXX and didn't leave the post saying there was {$780.00} credit and using XXXX {$770.00} purchase saying I owe for the XXXX purchase even though the XXXX purchase was done on XX/XX/XXXX. They changed the transaction dates and missing the {$780.00} credit saying I overdrafted instead.