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

Hi there, On XX/XX/XXXX I had someone call me saying they were from my bank and they were working with Coinbase to secure my account as it had been compromised. They knew my account number and date of birth as proof, and told me that they were working with Coinbase to set up a new external wallet, and that my coins had to be transferred there before I lost everything. 

I want to be clear that throughout no part of this did I share my password, any XXXX code or download/install any app or software on any of my devices. My phone has not been lost or stolen at all, and I use a strong password including letters, numbers, and upper/lower case characters. The two transactions on XX/XX/XXXX ( of Bitcoin and Ethereum ) from my account were to a scam wallet address, and the cybersecurity breach continued on XX/XX/XXXX when they sent what remained of my Ethereum to another scam wallet address without me even being logged in. I have receipts of the texts and calls I received from these scammers, and recorded part of the conversation for evidence. 

The below transactions were all part of a scam and cybersecurity attack, with the first ( and most recent ) happening this morning despite having XXXX fully enabled on my account. I have email receipts for each of these transactions, too : 1. XX/XX/XXXX : 2.XXXX ETH to XXXX 2. XX/XX/XXXX : XXXX BTC to XXXX 3. XX/XX/XXXX : 5.XXXX ETH to XXXX To provide additional information I have been in touch with Action Fraud, the police and my bank account to notify them about this which all happened within the last 3-4 days, and I have a case number which I can provide to you if necessary, too. 

The loss of funds has been exclusively from my Coinbase account, with none of my other personal accounts having been subject to a scam/cybersecurity breach. I have raised a case and complaint with Coinbase, but have yet to hear back on this ( Case # XXXX, Case # XXXX, and Complaint # XXXX ). 

I can prove that I as the genuine account holder still have access to my email address and provide any form of authentication necessary, including a photo of the front/back of my ID or passport if needed for your own security purposes. 

Please do assist me with this if possible, as the three transactions listed here total to a significant amount and has left me devastated as a result. For the time being I have requested my account to be disabled to prevent what little is left from leaving my Coinbase account. 

XXXX, XXXX
Product: Debt collection

The same collection agency with a new name is trying to collect on an unfair debt! Pages from the original debtors which includes a lease agreement has been removed and the amounts have been abnormally inflated. XXXX XXXX is where the unrealistic amounts originated, then sold to NCC ( debt collections agency that called me multiple times daily ). The same company ( NCC ) has sold the debt to itself by adding it to their new name Transworld collections. The debt is still unknown, unfair, unauthorized, unverifiable and non-validated. I have proof of the original amounts that would have been charged if the debt was valid. The company removed the paper from my file ; but I kept mine and the proof will show below along with emails, dates that prove unfair late fees and trumped up charges have occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. SOUTHWEST CREDIT SYSTEMS Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and SOUTHWEST CREDIT SYSTEMS is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Product: Credit card

I applied for Citibank cashback card. First they approve it, then they made me send a bunch of documents to verify my account. It has been almost 3 months and I am stuck with a card on my file, which I can not use. When I call back to cancel the account, they say it can not be done because it is still under " review ''. Here is the kicker, when I ask for a manager, I am put on hold for 30 minutes, and then told that he is not available. i give a callback number, which of course never comes back. Apparently, that 's Citi 's way of dealing with unsatisfied customers.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX FRAUDULENT ACCOUNTS : XXXX XXXX Opened XXXX. XXXX, XXXX {$12000.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX {$5500.00} XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX {$2900.00} XXXX Opened XX/XX/XXXX. {$2400.00} XXXX XXXX  XXXX. OPENED XXXX XXXX, XXXX {$640.00} XXXX OPENED XXXX XXXX, XXXX {$1000.00} XXXX XXXX XXXX OPENED Sep. XXXX, XXXX {$1000.00} XXXXXXXX XXXX XXXX OPENED XXXX XXXX, XXXX {$2800.00} XXXXXXXX XXXX OPENED. XXXX XXXX, XXXX. {$2900.00} XXXX XXXX XXXX XXXX OPENED XXXX. XXXX, XXXX {$390.00} XXXX XXXX XXXX OPENED XXXX. XXXX, XXXX {$1400.00} XXXX. OPENED XXXX. XXXX, XXXX {$13000.00} XXXX XXXX XXXX. OPENED. XXXX XXXX, XXXX {$1900.00} XXXXXXXX XXXX  OPENED XXXX. XXXX, XXXX {$2300.00} These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Checking or savings account

MoneyLion had pave the wage promotion in XXXX 2019. It states if you opt into the offer via the email link or app they would pay 17 % of the first direct deposit into the new checking account if you maintain the direct deposit for 90 days and that the subsequent deposit must be at least 90 % of the first. 
Here is what I did : XX/XX/2019 Opened account at MoneyLion XX/XX/2019 opt into the offer via MoneyLion XXXX App XX/XX/XXXX Payroll direct deposit XXXX XX/XX/2019 Payroll direct deposit XXXX XX/XX/2019 Payroll direct deposit XXXX XX/XX/2019 Payroll direct deposit XXXX I followed all the rules in their official rules document but did not receive the XXXX $ bonus as expected. I called customer service on XX/XX/2019 received a call back at XXXX from a lady and was told that I DID meet all the requirement for the direct deposit, but I did NOT opt into the promotion therefore I did not get paid. There is apparently a bug in their app which says I did not opt in even though I did opt in on XX/XX/2019. I had a screenshot of the offer in the Moneylion App with the opt in button ( with XX/XX/2019 date ) which I clicked. She instructed to email the screenshot to online support team which I did on XX/XX/XXXX. Online support mentioned the same thing that I didn't have confirmation that I opted in. ( The ticket number for online support issue is XXXX. ) I called again on XX/XX/2019 to see if they could escalate the issue and I was told by the customer service person that one of my deposit was on the XXXX of XXXX instead of XXXX and that was why I was not added to the list of those who opted into the promotion. That is absurd as whether one is added to the opt-in list is not related to whether one has met the requirement of the promotion since the opt in happened first. I think they are just trying to find ways to tell consumers that they are not eligible regardless. 
I told him I was told the day before when I called that I met the direct deposit requirement. He then said there is no record that I even talked to the customer service at all suggesting that I lied about my previous conversation. All calls are recorded according their phone system automated message at the beginning so my conversation with customer service on XX/XX/2019 at XXXX should have been recorded. I said I'd like to resolve this without filing a complaint with CFPB and he said, " that is your choice ''. 
I attached the official rules which I saved from their website. I followed all their rules in the official rules list and if they have additional rules that they wan to use to disqualify the customers ( such as email confirmation for opting in and direct deposit must be on certain days of the month ) from their bonus they need to spell those out in their official rules document first. 
Attached documents : 1. Official rules from Money lion for pave the wage promotion 2. My statements showing direct deposit in XXXX, XXXX and XX/XX/XXXX3. Screenshot showing XXXX direct deposit 4. Screenshot of the opt-in button with date showing XX/XX/2019.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income and pay rate being reduced. I completed the modification packet provided by Freedom Mortgage and faxed all requested documents in as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX & XX/XX/XXXX. I followed up on XX/XX/XXXX and resent the modification packet again. On XX/XX/XXXX I received a letter from Freedom Mortgage advising that neither of the three modification packets that had been faxed and/or emailed was not received and all information had to be resubmitted. I resubmitted the documents again on XX/XX/XXXX. I then contacted Freedom Mortgage on XX/XX/XXXX due to receiving a letter from them advising again that all information that had been resubmitted, was not received!. The agent on the phone then submitted a request for loss mitigation to go back thru the previous documents received to retrieve all the documents needed. I called back on XX/XX/XXXX to confirm receipt of documents, and check status of modification, I was then advised that I needed to send in documents to confirm my spouse 's income information and my pay stubs which I had already sent in the initial request, along with a Hardship letter. On XX/XX/XXXX I called to confirm receipt of documents was advised that all documents were received but the wrong XXXX document was sent. I call again on XX/XX/XXXX, to check status of modification. Freedom Mortgage rep then advised me to send in again my pay stubs received from my last employer and a letter of hardship. I emailed these documents over on XX/XX/XXXX. I have asked and asked them to decision my Modification, but I keep getting the run around. They'll say I haven't sent a document in or didn't complete it right. I need help to keep my home.
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 XXXX : XXXX Account XXXX : XXXX has violated my rights. Or 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 seven 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: Vehicle loan or lease

My daughter and I financed a car in XX/XX/XXXX through XXXX XXXX. In XX/XX/XXXX she refinanced the vehicle with our credit union in her name only. The pay off was submitted and made by the XXXX XXXX XXXX and the XXXX XXXX account was closed. At the beginning of XXXX I received a call from an associate from XXXX XXXX stating that there was an outstanding balance on the account. They sent me an email and I forwarded the information to the credit union to get clarity and to have the issue resolved. The associate from the credit union reviewed the papers I sent as well as their records and explained that the account amount was confirmed and paid off and there is nothing outstanding. This is clearly seen in the documentation provided to me by XXXX XXXX. I have communicated this information to XXXX XXXX on several occasions and they do not agree even with the proof that they agreed that the amount was correct and with also having their own reports that show that the account was paid in FULL with a XXXX balance in XX/XX/XXXX, they will not correct the records. They have impacted my credit to my detriment.
Product: Mortgage

In XX/XX/XXXX, XXXX XXXX of XXXX XXXX issued two tax bills : XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$2100.00} and XXXX SXXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$8100.00} for my property ( parcel # XXXX ). See file " XXXX ''. 

These bills were not paid by my mortgage servicer, Wells Fargo, despite them requiring that I pay into an escrow account. 

The property went into tax default on XX/XX/XXXX. 

In XX/XX/XXXX, I alerted Wells Fargo to the default and delinquent bills. By this time, {$3300.00} in penalties and fees had been incurred. 

On XX/XX/XXXX, Wells Fargo paid the entire amount ( taxes, penalties, and fees ) from my escrow account ( see " san_mateo_parcel_history '' ), and raised my monthly mortgage payment by {$1000.00} to amortize the costs over the next year.
Product: Checking or savings account

I was charged two insufficient funds fees on XX/XX/19 and XX/XX/19 for {$38.00} each ( {$76.00} total ) - Both of these charges were mistakenly applied to this account rather than to a debit card I have linked with another account. I had previously declined overdraft protection and don't believe that I should have been charged either of these fees.
Product: Credit reporting or other personal consumer reports

RE : File # XXXX CFBP Complaint ID XXXX The information requested in my previous complaint was not provided under 15 U.S.C. 1681a ( e ). TransUnion has shown negligent noncompliance by choosing to omit certain procedures required during the re-investigation process of my report. Provide a detailed list of all personal interviews with neighbors, friends, or associates of the consumer or delete all disputed items from the file of the consumer within fourteen ( 14 ) days of receipt of this notice. If TransUnion does not comply with my demands, further legal action will be taken. See list of disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To : XXXX Re : Suttell & Hammer/ XXXX credit card account that is not mine XXXX I wish to make a complaint against a debt collector, Suttell & Hammer , who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. 

I have been the victim of identity theft. XXXX had claimed they issued a card to a person with the same first name, but a different last name than me, and now XXXX and the company they sold the debt to, Suttell & Hammer, claim that this account is mine. 

This identity theft XXXX  account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to XX/XX/XXXX, Suttell & Hammer, and the CRAs XXXX, XXXX, and XXXX. 

I do not have an account, nor have I ever maintained an account with XXXX. 

XXXX claims that the account was opened via an internet application we received on XX/XX/2016. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. 

Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. Suttell & Hammer and XXXX refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. 

I have repeatedly contacted both Suttell & Hammer and XXXX in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and Suttell & Hammer continue to harass me in regards to this debt. 

There is no pending court action and I have not filed a lawsuit regarding this matter. 

The resolution I am seeking is for Suttell & Hammer to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that XXXX be compelled to do the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX has refused to comply with my opt out notice sent over one month ago per my attachment. 

They are reporting a charged-off account. 
This charge-off is a certificate of indebtedness. According to IRS publications, as well as 15 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted.

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried diligently to have XXXX fraudulent inquiries removed from my credit report these inquireies are all fcra fdcpa and metro 2 violations i have a federally protected right to fair and accurate reporting under fcra policy as well as 15 usc 1681 bb and 15 usc 1692 g, and fcra section 609
Product: Debt collection

I have attempted, for several years, to get Optimum Outcomes to provide me with written copies of the original medical bill and the Explanation of Benefits from my insurance company showing that I did not owe this account. I have disputed this account that is showing on my Credit report. I have contacted the hospital and their XXXX, 3rd party billers and they all show that I do not owe them any thing. I have a copy of of the Explanation of Benefits that show that this account was settled by the medical office. I have been denied a mortgage loan because of this false collection account.