23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, Someone made a purchase at a store I had never been to with my credit card information in the amount of {$2600.00}. When I discovered the purchase I immediately called the store to see what had been purchased and verified that it was not anything I had ever bought. I then called my credit card company ( Chase ) and informed them of the fraudulent transaction. A Fraud claim was initiated and my account was initially credited back, but several weeks later the sent a letter saying that I had 'benefitted from the transaction ' and the charge was re-applied to my account. I have in no way benefitted from this transaction. The item purchased was an item that I have never purchased. I can prove my whereabouts on that day. The credit card company did not bother to do even a cursory investigation of the facts prior to ruling against me. Instead, they are hoping for inaction on my part to stick me with a charge that I did not make.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXX  ( Also known as XXXXXXXX XXXX XXXX XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law. Attached documents are FTC identity theft report two forms of identification, dispute letter detailing
fraudulent account
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Mortgage

I refinanced about a year ago, and the terms of my new loan do NOT require any mortgage insurance (PMI).  Despite this fact, I recently discovered that my bank has been withdrawing about $XXXX a month from my escrow account for the past twelve months.  And - based on the statement they mailed to me last month - they planned to continue to do so for another year (or longer - as long as they could get away with it, I presume).

(Like most escrow accounts, my escrow account is supposed to be used for home insurance and county taxes.  According to my statements, these payments appear to have been paid out correctly.)

When I called the bank, I was told that they couldn't just return my money and stop any future withdrawals.  Instead, they added a "replacement reserve" entry to my monthly payment, a credit which matches my "mortgage insurance" entry that just started appearing on my statement.  (Neither of these items were on my statement until this month's bill.)  Additionally, I have a XXXX new item on my statement - a "shortage" of about $XXXX.  That's right - my bank wants *me* to make up for the XXXX shortfall in my escrow account, a situation that *they* caused by incorrectly withdrawing my money!

The only reason there is a shortage at all is because of their incorrect withdrawals (last year) combined with their estimates for the coming year (which they shouldn't be doing in the first place), which together cause the "projected" balance to drop below the required minimum.

(I'm aware that my taxes and house insurance have risen slightly.  But this should only raise my payment by about $XXXX per month, not $XXXX.)

I've tried talking with multiple bank representatives, and they've explained the "replacement reserve", but they don't seem to be able to remove the so-called "shortage".  I've been told to just pay the extra XXXX shortage this month, and that the PMI would be removed next month, but I've already been told a bunch of things that didn't happen to this point (including that this would already be fixed by now).
Product: Debt collection

My name is XXXX XXXX Here is dates and times iv received calls on a debt that is not even in my name. It is someone else debt. I have repeatedly told them to stop calling me. This debt has nothing to do with me? They call 2-3 times a day sometimes more. I have blocked many numbers they call from but they use a spoof program of some sort so always calling from a different number. 

I would like the calls to stop! it has nothing to do with me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you! 
XXXX
Product: Debt collection

I asked them to verify and validate accountXX/XX/XXXX and XX/XX/XXXX with Ad Astra Recovery Service. I've been disputing account since XX/XX/XXXX with XXXX, XXXX, and XXXX.
Product: Checking or savings account

I opened a XXXX XXXX  spend checking account on XX/XX/2021 under a {$250.00} promotion which stated that {$250.00} would be credited to the spend checking account if certain requirements were met. XXXX XXXX  is a division of MidFirst Bank. 

The requirements entailed that two direct deposits of {$1000.00} or more were made to XXXX spend checking account within 90 days of the account opening. If the requirements were met, then the {$250.00} promotional bonus amount is to be issued within 90 days of meetings the requirements. 

I successfully had two employer direct deposits of {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX to my XXXX spend account- thereby satisfying the requirements to receive the {$250.00} promotional bonus amount. 

Therefore, the latest date I should have been issued the {$250.00} promotional bonus amount was XX/XX/2021, as that is 90 days from the date of the second direct deposit I had ( XX/XX/XXXX ) which would be considered the date that I satisfied the requirements of this offer. 

I still have not received the {$250.00} promotional bonus to my XXXX checking account as of today 's date, XX/XX/XXXX. 

I called XXXX XXXX  on XX/XX/XXXX and spoke to a representative, XXXX XXXX, who told me that she did not see the two direct deposits in my account activity. I told her that I clearly see the transactions within my account history and XXXX asked me to email her screenshots of the two eligible direct deposits to her email address at : XXXX. I did this on the same day, XX/XX/XXXX. Since then, I have received XXXX response or acknowledgement from XXXX. I've sent XXXX two follow up emails on XX/XX/XXXX and XX/XX/XXXX to ask if she received my screenshots and if she can help move this matter forward and confirm that my account clearly had the two required direct deposits of {$1000.00} or more which satisfied this promotion. 

I'm now at a loss due to the lack of assistance or acknowledge from XXXX Bank. It makes no sense to me how the bank can tell me that they do not even see a record of the two direct deposits within my checking account. It is evidently there in my transaction history when I login and view my account from my end. 

XXXX XXXX  has not provided me with the {$250.00} promotional bonus amount that I signed up for when opening my checking account and this is now considered late and the {$250.00} should be issued to me as I successfully completed all of the offer requirements within the timeframe.
Product: Debt collection

The account Spring Oaks Capital is being reported on my XXXX credit report as a result of identity theft. This company is a collection agency that purchased a debt from XXXX XXXX XXXX. XXXX XXXX XXXX is the issuer of a credit card account which was opened fraudulently. The specific credit card goes by the name of XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX The XXXX account has been removed from all three of my credit reports however the collection account owned by Spring Oaks Capital still remains on my report. I have sent an FTC report to XXXX and they sent it to this company and they illegally verified this information as accurate. It is against the law to report a collection to my credit report when the delinquent account that they bought from the original creditor has been deemed as fraudulent. I have uploaded a letter from XXXX stating that XXXX obtained my credit report in what has been deemed a fraudulent application, meaning the opening of the account is also associated with fraud. I have also provided an email from this debt collector clearly stating that they are attempting to collect a debt and that the original account is a XXXX XXXX issued by XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries that I have no knowledge of and need them removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Looking to fix my credit to purchase property, I requested a validation of the account via mail 3 times. The only answer we received was a bill, with no break down or validation at all. 
No breakdown of fees or any other explanation. This account was unattractive for years, know the calls are extremely over the limit calling all day about every hour, and letters on the mail 2-3 every week. I have called the agency to request and offer a settlement. 
They refuse to offer anything and know, I am getting calls with treated to take legal action. 
This company fail 3 times to Validate the account credit agencies disclose that agency have show them prove and validate the account, but I do not get anything in paper. just the bill. 

In addition, now other company ERC collection agency is sending me a bill and calling and every time I ask to disclose the name or employee ID for my records. They refuse to gave name and they star with treated to take legal action. 

Note : If XXXX sold the account? I never give XXXX authorization to release my personal information like my home number.
Product: Vehicle loan or lease

I have been paying on this loan for years and since XX/XX/XXXX all of the payments I have made are going to interest and late fees. I have had the same balance due since then. I called them last month to find out why my balance has not changed and they said it was due to setting some payments to the end of the contract. Since XXXX of XXXX I have paid more than what the monthly amount was and asked them to put that towards the principle and they have not. Last month when I called to make my payment they said the amount due was {$380.00} which I paid. That shows that I have been paying more than the loan amount otherwise it would have been more. My car payment is {$570.00} per month. A couple of examples of my payments .... XX/XX/XXXX paid {$910.00}, XX/XX/XXXX paid {$700.00}, XX/XX/XXXX paid {$700.00}
Product: Debt collection

Credence reported to credit bureaux and now I have a hit on my credit report. I never owned a attt box and I never received anything but a WiFi service from them. The box was a part of the complex I lived in. I was wrongfully charged and wrongfully reported to credit bureaux
Product: Credit card or prepaid card

I was forced to sign an IRS document sharing information between the IRS and discover card. I am not legally obliged to do so, and they forced me to close my accounts. They closed my online and app accounts ( on phone and mobile ) and did not allow me to make any further purchases. Being left in the dark for two weeks, I then had my account closed for no reason. They say it's a " business decision. '' I then have to call in, and the people I spoke to are not even the same team who closed my account. The only way to get in contact with them is by mail. My credit score was also hit due to closing an account on my record. It is absolutely terrible business practices coming from Discover Card. 

I will follow through and hopefully bring Discover Card to a small claims court.
Product: Debt collection

In summary, I have reported this account to the FTC, XXXX, XXXX and the collection agency as Identity Theft. I never received formal written notice about this account prior to being sent to collections which is illegal practice under the Fair Credit Act. I have disputed with them directly and the collection agency can not provide legitimate evidence linking me to the loan such as a physical signature and government-issued Identification, they are obligated to stop collection efforts and remove the debt from your record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reportind act ... The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under.15 U SC 1681 XXXX XXXX # XXXX, has violated my right..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 state a consumer reporting agency can not furnish a account without my written instruction Thus this i highly injurious... ..Delete these account immediately unless you wany to be held 1,000 per volation ... ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also my spending is not XXXX the balance of my XXXX is wrong
Product: Money transfer, virtual currency, or money service

This is regarding case # XXXX at Coinbase ... they opened the case in XX/XX/XXXX but have never resolved it. Now I can not get to {$1100.00} that is in my Coinbase/XXXX account and they continue to create unauthorized charges to my account. 
XXXX On XX/XX/XXXX, Coinbase double charged the 4 most recent ( at that time ) transactions to my XXXX debit card in the USD amounts of {$220.00} ( original was XX/XX/XXXX ) {$100.00} ( original was XX/XX/XXXX ) {$100.00} ( original was XX/XX/XXXX ) and {$150.00} ( original was XX/XX/XXXX ). 

I called Coinbase immediately and they opened a case ( XXXX ). I sent screen shots of the duplicate transactions at their request. After several phone calls with Coinbase 's tier 1 support, I was finally told that this was XXXX XXXX fault and that I would have to work this out with my bank. My bank told me I needed to submit an unauthorized transaction form. I did that and my bank redeposited the funds to my account at the end of XX/XX/XXXX. 

I left my Coinbase account open thinking the issue had been resolved but removed my XXXX and XXXX XXXX debit cards and left my bank account attached to my Coinbase/XXXX accounts because Coinbase said there was no issue with bank accounts, only XXXX. ( XXXX is a trading site that is run by Coinbase. One account allows use of both sites. ) I never received notification from Coinbase that case XXXX had been resolved on their end or even looked at beyond tier 1 support. Their tier 1 support is unable to do anything other than answer phones and escalate cases. They had assured me that my case was escalated and would be handled by a specialist. I never heard from a specialist.

However, on XX/XX/XXXX, I received 4 emails from Coinbase, one for each of the double transaction charges. Because the charges were reversed, they locked my XXXX  account which has USD XXXX LTC XXXX ETH XXXX BTC XXXX ( total USD {$1100.00} ). 

Additionally, on XX/XX/XXXX, they withdrew 3 new charges in the amounts of {$230.00} {$100.00} {$150.00} These were not duplicate transactions. These amounts do not match anything in my Coinbase/XXXX history. They are random amounts and I have no idea where they came from. 

I called Coinbase about these transactions and submitted a screen shot of them as well as an email detailing all the history from XXXX, with screen shots and copies of their own emails. I submitted another unauthorized transaction form and my bank redeposited the amounts in my account. 

However, the Coinbase website indicated that I needed to pay {$100.00} to regain access to my XXXX account. I did that on XX/XX/XXXX, but still do not have access to that account where they are holding funds in the previously mentioned amount of {$1100.00}. 

I have called repeatedly and have filed complaints on Coinbase 's XXXX. It has been 51 days and there is no movement at all on the first complaint and now I have file new complaints which are getting no attention at all from them.
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The original mortgage ( from XX/XX/XXXX ) was adjustable and at that time the prime rate was around 7.5 %. My rate was a little over 2 % above that. I did not see anywhere on the paperwork where that said that it could n't go below the original rate, it only talked about a ceiling, but to my knowledge there was no floor. The mortgage has traded hands numerous times over the years. 

About a year ago I applied for HARP. After several months of having to resubmit the same documentation, I was finally approved. I received a letter stating that I had to go into a 3 month trial period, XX/XX/XXXX-XX/XX/XXXX. It stated that at the end of the trial period I would get the terms of the adjustment. There was a question about insurance coverage, I was told by the XXXX company that they would take care of taxes and insurance and my payments increased to cover the escrow for that. 
When I asked the XXXX company about the insurance, they said they had been told that the insurance was my responsibility. So I got that straightened out. 

The most recent letter I received, ( which is dated XXXX XXXX, from the XXXX mortgage company ), stated my mortgage is still adjustable and still at the original rate, 9.875 %. 

So in other words, this entire HAMP adjustment seems to be just smoke and mirrors.
Product: Credit reporting or other personal consumer reports

I went to try to purchase a home and was denied because it showed that I had an open collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) a property in the amount of {$9900.00} that was on my credit report in collections and an eviction. I have never stayed at this property nor have I signed a lease for the property. As I stated, i'm not sure who used my information, but it was fraudulently used to obtain this property, at the time I did not have a job so there was no way that I could have even afford this property if I wanted to. I've also received bills from XXXX XXXX  ( {$3800.00} ) as well as water companies/credit card companies and I've never had a home/apartment let alone a credit card. I stayed with family because I wanted to save up to buy a home. I've been at the same address for years, and I noticed other addresses on my report all properties that I never resided at. According to 15 U.S.C 1681 it is a defamation of character because I cant get anything let alone buy a home because of it and you guys continue to report false and inaccurate information on my credit report. I've reached out to credit bureaus such as ( XXXX, Transunion, XXXX ) and I've also submitted my supporting documents in which I had to file identity theft because my information has been used by someone in whom I do not know to have this removed and not XXXX credit bureau have yet to do a investigation, I only received the automated " This information is proven accurate ''. I have disputed it as well with third parties like XXXX XXXX, so if they have this information disputed how is it it being verified? I am disputing this account and requesting validation of debt. ( 15 USC 1692g Sec.809 ( b ) ). I am NOT requesting verification but I am requesting validation. I request that you provide me with evidence of the debt, including the results of your investigation. I have been battling with this for 3 years now and it is very troubling, I can not even get a place of my own because of it and this information is fraud and a defamation of character!!! After reviewing my credit report I must inform you that I am NOT responsible for the above listed accounts as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report which I have included for review. Please delete these accounts from my credit report immediately!
Product: Credit card

Account set up for automatic payment of the entire balance each month. I rarely used this card and unknown to me, the automatic payment got turned off and I missed a payment. Bank of America reduced my available balance from {$19000.00} to {$700.00} without contacting me about any of this. No past due balance calls or emails and no calls about reducing credit. The reduction in available credit negatively impacted my excellent credit score by a considerable amount. I think they used this tactic to get rid of me since I didnt use this card very often.

Just doesnt pass the smell test!