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

XX/XX/XXXX my laptop has hacked/compromised by people claiming to be XXXX and to assist me restoring my internet connection ( which had gone down ). They knew my internet was out and gained remote access to machine ( via XXXX ) with the claim that my network was currently insecure because of hacking and claimed to show me evidence of this. They gained access to my coinbase account. 
Several transactions occurred before I reported them as fraud to my bank ( after they texted and called with suspicious activity ) and stopped payment. Reported fraud to coinbase.

In addition to the impersonation/fraud/theft ( reported to FBI via iC3 ) I have large concerns as to how Coinbase handled this after payments were stopped for fraud. 
Of {$19000.00} stolen, {$5000.00} was blocked as incomplete transactions - but Coinbase demanded I complete the payments and sold my other crypto assets to cover " their loss ''. 

Rough sequence : 1. Unauthorized access to my account.

2. Fraudulent activity starts.

3. I try to block transactions, several already completed.

4. Bank cancels cards and blocks my bank account as bank contacted to report the obvious fraud.

5. I lock my coinbase account and report fraud.

6. Incomplete transactions exist.

7. Coinbase sends funds for those incomplete transactions, even though all my payment methods were blocked.

8. Coinbase sent the funds without my authorization or access to my funds.

9. Coinbase reimbursed itself for the Incomplete transactions by using assets- even though they were rejected as fraud.

10. Coinbase restricts my account and sends demands for payment.

11. Escalation of complaint attempted, but coinbase is no longer responsive. I understand that the initial completed transactions have " gone '' and there may be nothing that can be done to retrieve these from the criminals who hacked my machine and carried out the unauthorized transactions, but the actions of coinbase are disturbing for all the transactions that were stopped. They basically aided and abetted the fraud/criminal activity by forcing me to pay for the money they chose to send once I attempted to prevent further fraud and loss. From the reading I have done since I was a victim of this theft/fraud it seems coinbase has a reputation for not acting correctly in cases like this where their customer account is compromised and coinbase " sides '' with the criminal activity not it's customer.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted XXXX, Equifax and XXXX and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS via XXXX XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter back in XX/XX/2021for some accounts that were on my consumer report that are fraudulent and I reported as Identity theft and I am the VICTIM of identity theft!! I'm still seeing these accounts and inquiries that should be marked as identity theft on here. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. I'm tired of you guys playing games with me just because I'm a young XXXX male does not mean I don't READ. And please do tell me you need to take another 60 days to correct this problem its already been 90. I expect this to be done within the 5 business days according to the LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, XXXX loan and even a new job.
Product: Credit reporting or other personal consumer reports

Experian has responded to previous complaint without including new information or providing proof of signed contract with XXXX XXXX XXXX XXXX as requested. There is no original debt listed on my credit report with XXXX XXXX XXXX XXXX nor original amount owed with XXXX XXXX XXXX XXXX listed on my credit report. I have disputed having any relationship or credit with XXXX XXXX XXXX XXXX multiple times as I have not recieved any correspondence with this company before. I dispute ownership of dept entirely. I require Experian to provide proof of original signed contract in order to prove ownership and they have failed to do so on multiple occasions. I requeste Experian remove this dept from my credit report as ownership has not been proven nor original contract with XXXX XXXX XXXX XXXX been provided to me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of my most recent correspondence to a credit line provider, Shellpoint, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to Shellpoint to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being discharged in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.
Product: Money transfer, virtual currency, or money service

On MondayXX/XX/XXXX I found an add for XXXX  tickets on XXXX and I texted the seller who went by XXXX XXXX he told me he was willing to sell me a ticket for {$240.00} if i was willing to use XXXX. today XX/XX/XXXX i text the seller again I receive the payment information, and we decide on a meeting point so that we could start the transaction, I was given his email address XXXX I proceeded to send him the payment and am told that he will be at the meeting place in 45 minutes. He texts me claiming he is pulling in, and then blocks my phone number so that i can not contact him.
Product: Mortgage

Waiting on my insurance check to be signed by Shellpoint Servicing. I have already filed a complaint but now they are stating in a letter to my lawyer the re-issued check has not been received and they checked on this on the XX/XX/XXXX. I sent it certified and was notified by USPS that the check was delivered and signed for on the XXXX of XXXX. I called the Loss Draft Dept and was told the check in there and being reviewed. All i need is this check signed so i can cash it and pay the contractor. This is making ill. I have XXXX XXXX and it is making me not able to sleep and worried. Please help me!
Product: Student loan

Approximately 8 years ago I spoke with a representative from Navient as I was struggling with paying my student loans. I had actually asked about the Public Service Loan Forgiveness and was told that it wouldnt be right for me. Instead of making my loans direct loans which would make my monthly payments qualify for this forgiveness, they put me into an income driven plan. I only found out very recently that this was the wrong thing to do. My loans would have been forgiven after 120 payments. I have since learned from outside sources that I still need to consolidate my loans into direct loans and then make another 120 payments. At this point I have already been paying my loans for 13 years!! I am furious that they scammed me into paying so much more than I needed to. I trusted Navient to steer me into the right choices and they failed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and my personal information and banking information was stolen by scammers. I noticed several suspicious accounts on my credit report and I am sure someone is using my information to open accounts and take actions on my existing accounts.
Product: Checking or savings account

US Bank Bought Citizens Bank/XXXX XXXX, but XXXX XXXX owed me a XXXX promotion that still has not been paid. It was those bank at work program get direct deposit get XXXX I will send this to them again and see if they reply
Product: Credit reporting, credit repair services, or other personal consumer reports

{$390.00} I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged charge off information. XXXX XXXX XXXX has never proved this debt belong to me legally.
Product: Debt collection

They claimed i owed XXXXXXXX XXXX XXXX for auto insurance and they failed to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

over the last year I have been disputing the inaccuracies on my credit file. I requested the credit bureaus provide verification for accuracy of a some accounts. They completed their investigation several times and stated the companies stated everything reporting was reporting accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. Below are the accounts in question XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX in accordance with the fair credit reporting act these accounts below have violated my consumer rights under 15 U.S.C 1681 sec 623 ( D ) States if information is found to be inaccurate, it must share information with all other consumer reporting agencies 15 U.S.C 1681 sec 602 A. It states I have the right to privacy 15 U.S. C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction
Product: Mortgage

on or about XX/XX/XXXX I requested a copy of a cancelled check I wrote on my home equity line I was given the check # XXXX the amount XXXX .I was told it would be sent out & I would have it in 7 to 10 days .on XX/XX/XXXX I called again & spoke to supervisor XXXX .I told him that I never received the image I requested he said we sent it I asked him to please e mail it he said no I ask him to fax it to the bb & t XXXX branch he refused to do that he said it would be sent out & I would have it Friday & he would call me on Friday to make sure I got it .I have n't received to date or a call from him I went to the XXXX branch the following week & spoke to XXXX the manager she could n't find the image she called XXXX XXXX XXXX & XXXX both called me the next week to tell me the image did n't exist .the following Sat. my girl friend received a packet in her mail addressed to XXXX XXXX & XXXX XXXX in XXXX va. Not XXXX va. the address I gave them over & over. in it were 3 years of statements for XXXX & XXXX XXXX in NJ.i call XXXX & she denied sending it to me. I told her I am a letter head with my on it & she signed it .still denied sending. they also took {$330.00}. out of XXXX account for there statements .they cant tell me where my paperwork is or why I have n't received it. please help us .XXXX needs to be reimbursed. please call me XXXX
Product: Checking or savings account

Friday XX/XX/XXXX XXXX XXXX ID XXXX in the amount of {$25.00} was initiated to recipient XXXX was not received due to XXXX XXXX called Chase on Saturday XX/XX/XXXX XXXX was advised by representative to cancel & Re-send transaction which was done new transaction ID was now XXXX Monday XX/XX/XXXX I check my bank account & now had 3 transactions 1st Transaction ID XXXX XXXX Re-sent Transaction XXXX & a " XXXX Payment from Recipient XXXX '' transaction ID XXXX I then proceed to call Chase again & was advised by recipient this was a refund from Chase due to down service Tuesday XX/XX/XXXX the " Refund '' XXXX ID XXXX was no longer available thus leaving transaction charged twice I contacted Chase multiple times & had been told credit would be received in 10 business days via XXXX However XX/XX/22 I was told Recipient has to XXXX me the {$25.00} back that no credit would be provided yet the intended person only received the funds once This is extremely frustrating I was charge twice upon following Chase Representative instructions
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 section 605b Credit Reporting Agencies are required 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. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ( Original creditor : XX/XX/XXXXXXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXX/XX/XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XX/XX/XXXX XXXX ( Original creditor :XX/XX/XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ( Original creditor : XX/XX/XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2400.00} ; XX/XX/XXXX ( Original creditor : XXXXXX/XX/XXXX ) XXXX Balance : XXXX.
Product: Mortgage

My Mortgage was transferred to a new company called Mr. Cooper on XX/XX/2019.  They sent me an email dated XX/XX/2019 that they were the new mortgage company. Also stated in the letter it states there will be no late fees or negative reports on my Credit Report for 60 days of transfer. I have now received two late fees that they refuse to reverse, stating that it is from the previous Mortgage Company. I called them on XX/XX/2019 to customer service and he said they couldn't reverse it because its from the previous Mortgage Company. I then asked to talk to his Supervisor, She told me the same thing. They are lying to me, since the transfer took place on XX/XX/2019 and the fees have been assessed after that date. They have been told by Mr. Cooper to state this. It wouldn't be surprising if I find out they are doing this to all their newly transferred customers.Late fee assessed on XX/XX/2019 {$57.00} and XX/XX/19 {$57.00} According to their website this is the fee for their late fees. Also my previous mortgage company charge a {$75.00} late fee. Also Mr. Cooper doesn't tell their customers that they bought Seterus Mortgage Company for XXXX million dollars. They only say it was a transfered and not an acquisition. They are not being honest in their business practices, just like Seterus was and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, This is a follow up to my previous email in regards to my claim with XXXX XXXX. I spoke with the Leasing XXXX XXXX XXXX at XXXX XXXX XXXX. She states and she proves that I was NOT in XXXX XXXX as stated on the letter sent to XXXX XXXX. I am still not understanding why the charges were deducted to {$160.00} if I have proven I was did not live in XXXX XXXX. Also, according to 15 U.S. Code 1681b Permissible Purposes of consumer reports it states that a consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with WRITTEN instructions of the consumer to whom it relates. I do not recall giving any companies any type of of instruction to have these things on my credit report. They also need to prove that they have written instructions that I gave them permission to report this on my report. This is defamation because you are reporting negative items that's been making me seem like a irresponsible person. I take my credit and character very seriously. Please remove from my credit report. Thank you.
Product: Debt collection

On XX/XX/2021 at XXXX, I sent a debt verification letter, via USPS certified mail, to Medicredit , Inc . The letter asked to cease communication in this manor : " If you have good reason to believe that I am responsible for this debt, mail me the documents verifying the debt is mine. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' On XX/XX/2021 at XXXX XXXX, the letter was delivered to Medicredit , Inc . 

On XX/XX/XXXX, Medicredict, Inc sent a letter acknowledging I disputed the debt and they were investigating the matter. They asked that I call them to provide additional information and threatened that if I didn't call them, the debt would be considered mine. The letter also had " Payment Options, '' but did not require payment. This seems that they are still trying to actively collect this debt without proof. In the letter, no where did it verify the debt was mine and there were no documents from the original creditor showing this debt was mine or was outstanding. 

This is why I filed a complaint. The only communication I wanted was verification that the debt was mine and that they cease all other communication. Medicredit contacted me and verification was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I filed an online dispute with the credit bureaus disputing the accuracy of my American Express account. There were a few issues with the account. 
1. It was closed. Sold to another lender ( XXXX XXXX  ) I could no longer contact Amex. 
2. That information was not showing on any of my credit reports. 

American express responded by " supposedly re-opening '' my account. The account was never re-opened, as that can not happen. 

American Express closed & charged-off my account in XX/XX/2019 as you will see in the documents attached. They have been reporting late payments every month to the credit bureaus since XX/XX/2019 until now XX/XX/2019. 

This account is inaccurate and reporting 3 different ways to 3 different credit bureaus. 

These are CLEAR violations of the FCRA and this information and account needs to be deleted asap. Thank you for your attention to this matter, as it has an severe adverse affect on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax and XXXX about bankruptcy showing up on my credit report several times. They state that it was verified with the Court. However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I've submitted a request to Experian requesting that they provide proof of the method of verification for which they used to verify the accuracy of this reporting. Clearly, the United States Bankruptcy Court, District of Maryland have verified that the Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The FCRA further states, that the credit bureaus are required by law under Section 605 and Section 603 ( f ) mandating accurate information. Therefore, it is the responsibility of the original furnishers of a debt to verify its accuracy. Section 660.2 ( b ) direct dispute means a dispute submitted directly to the a furnisher ( including a furnisher that is a debt collection ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the originial furnisher has or had with the consumer. Section 660.4 ( iv ) information derived from public records, such as judgments, bankruptcies, liens and other legal matters ( unless provided by a furnisher with an account or other relationship with the consumer )
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX