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

My Coinbase account was hacked the end of XXXX, took {$5000.00} in bitcoin. I was told that someone with a Texas IP address had hacked my account, I had no contact with anybody in Texas. They then locked me out ( of course for my well being ), I have tried 14 times to get back into my account, that's 14 different pics of my head, 13 pics of my drivers license ( 1 time I tried my VA picture ID ), and 14 times a pic of me holding a sign under my XXXX that read Coin Base Verification and the date. Each time I was told that they couldn't verify because pics were not readable. I even ran the pics thru XXXX just to make sure they were clear. It has been 4 months now, I received an email today ( XXXX ) telling me they were going to lock me out, what an XXXX  joke. One hand does not know what the other is doing. DO NOT DO BUSINESS WITH COINBASE, THEY DO NOT STAND BEHIND THEIR CUSTOMERS!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX repossed my car even though i was in the XXXX  and protected under SCRA in XXXX. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA.

The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all 3 credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
2. XXXX XXXX, XXXX, XXXX  also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.
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 name ; XXXX XXXX XXXX Account number ; XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and incorrect. 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 incorrect
Product: Debt collection

Its the third time i get new collection for same accounts. After crefit bureau erase and promise after 2 time i went thru this they could not re sale same debth. I was victim of identity defth. The agency when receive this collection should look at your records and stop of this from happening,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my Trans Union,  XXXX and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Product: Credit reporting or other personal consumer reports

please i am asking to remove this incorrect account on my credit report that don't belong the me ive been a victim of identity theft before and still can believe people can still add incorrect Information without my consent best regards looking for to your continue assistance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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 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: Checking or savings account

Online systems always down. Atm.machines don't work. Transfers delayed. Deposits made to wring acct. Savings and a credit card opened without approval
Product: Credit reporting or other personal consumer reports

This would be my XXXX dispute letter to the XXXX ( XXXX ) major credit bureaus because my XXXX  letters were left unanswered and unresolved. I have repeatedly advised them with XXXX  honesty that these reported accounts below were found to be inaccurately reported on my XXXX  files. I want these to be fully eliminated on my record as it greatly affects my ratings, which gives me the inability to file for a new credit line. 
XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX : XXXX Kindly help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 2 disputes with experian they fail to verify accounts on my report as accurate,
Product: Checking or savings account

Draining money out of Landlord -Tenant Escrow Account Dear sir/madam I have an escrow account opened in XXXX for $ XXXX for rent security deposit of my tenant, XXXX XXXX. ( See W-9 provided to bank & all statement show XXXX XXXX XXXX as tenant ) He has vacated my property and I need to cancel the escrow account. I went into Branch on Saturday XX/XX/XXXX, I was told money is draining out of my account as fees. I asked how come Escrow account loose money, it should rather gain interest. I waited for call from branch no call came and went branch with letter. I was told that there was monthly fee being charged of XXXX per month and more than {$300.00} were gone. 
I have been to branch twice since then ; This account was incorrectly opened by the staff as checking account, even though I have asked for Escrow account & provided W-9. I had 4 similar Escrow accounts which were opened correctly as saving accounts by branch staff and I had no issues closing them after my tenants vacated got full money with interest. 
I am getting blamed for not reading monthly statements and visiting branch on time to get it fixed and coming after 5 years. 
Little background on this account, back in XX/XX/XXXX I accidently found money is draining from this escrow account, I went to branch they fixed by making it total XXXX however then also they didnt change to Saving escrow they left it as checking account. ( see XX/XX/XXXX statement attached ) I never thought Escrow account would drain my money out in fees. So never looked up the statements again since XX/XX/XXXX. When I went to close on XX/XX/XXXX I was shocked. 
Manager asked me of proof of Lease and lease renewals which I emailed, and I will forward to you too. 
When manager said he didnt get emails, I showed the lease and renewals in my phone too. Manager offered $ XXXX fee credit to me as if it was my mistake of opening an escrow as checking account. 
This I feel is lack of training and lack oversite on staff who are opening Escrow accounts as checking. I am not sure how many other escrow accounts are opened as checking accounts and fees being collected on them. 
So, I request to fix the issue and refund my escrow account money total of XXXX/- ASAP. 
I am coping this email to CFPB ( Consumer finance protection bureau ) to get this resolved and investigate how many other Escrow accounts are being charged with fees. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I have an Experian free account for credit monitoring. They send me frequent emails, whenever my credit score changes, even by a negligible amount. Each time I log in, I need to dodge aggressive marketing of their paid service. Specifically, I need to decline it each time, and it takes extra effort to avoid accidentally signing up for their service because the button to decline is light gray but the one to sign up is a bright XXXX. 

This is like the dark pattern that XXXX employs to get people to sign up for XXXX, except XXXX makes you avoid signing up about XXXX times every time you place an order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED THE CREDIT REPORTING AGENCIES AND LET THEM KNOW THE INQUIRIES IN THE DOCUMENT INCLUDED BELOW ARE NOT SUPPOSED TO BE VISIBLE ON MY CONSUMER REPORT. I NEVER GAVE THEM WRITTEN CONSENT TO REPORT THEM. THESE INQUIRES WERE NOT AUTHORIZED BY ME AT ALL. XXXX XXXX XX/XX/XXXX NAVY FCU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received an asset care debt last year that I disputed wasnt mine. Then this year I received the same debt from a different collections company Lockhart morris and Montgomery for the same debt that was under asset care all relating to XXXX XXXX XXXX XXXX. This is not my debt no bills have been sent to me I have no knowledge of this account and have not been provided any information.
Product: Debt collection

I was in XXXX XXXXXXXX XXXXXXXX XXXX  on the day they claim I went to see the doctor. 
I was XXXX XXXX for XXXX days, which includes the date of the alleged debit I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is not correct which might be happened as previous resident who has same last name with me moved out XXXX family house after I moved in my current address. 

Please help me to correct my current address at all credit report. This incorrect address might be forwarded to many company and they updated my address incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for giant XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
Product: Payday loan, title loan, or personal loan

Around XXXX of 2018 I took out a loan for the amount of XXXX with cash net. I successfully paid 2 payments of XXXX each. I did online chat asking to change the amount or a different day and the first time they did the second time they did not and did not care j was struggling. When I filed a complaint with the consumer financial protection bureau they claimed that I never talked to them and that I was avoiding them and that I owe everything that they say I owe and they were not going to work with me at all. I've been struggling to make payments for everything it's now between food on the table or paying a payday loan or paying for my car insurance or my cell phone bill my family is most important to me. I would like to get this taken care of as soon as possible so it doesn't cost me any extra money and it doesn't cost the company any extra money. have not been contacted by them through any type of email or text messaging they may have called but have not left messages and if they have left messages it's a recording and it gets cut off. They currently are saying I owe them XXXX which would have been the amount paid back in full in one payment for the amount borrowed so I do not owe them {$930.00} that is absurd. I should have maybe {$370.00}.
Product: Checking or savings account

Switched my bank to Albert because they advertised early deposits for pay. My check went out from work Wednesday of this week. Today its Friday morning at XXXX am and instill dont have my deposit. No one will answer question. No number to call. This is very frustrating and I need an answer. They can just steal my money!
Product: Debt collection

M1 SPENDXXXX IS CURRENTLY SHOWING ON MY XXXX CREDIT REPORT THE ACCOUNT WAS OPENED FRAUDULENTLY PLEASE REMOVE FROM MY CREDIT REPORT.
Product: Checking or savings account

Capital one is holding my direct deposit XXXX. I have late fees and checks bouncing.
Product: Checking or savings account

I am a Wells Fargo customer. For months now I have been charged overdraft fees when 1 ) I am not over drawn and 2 ) more than the 3 fees per day their policy says they charge. Their policy says Our  overdraft fee is {$35.00} per item whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means. You will be charged no more than XXXX overdraft and/or returned item ( non-sufficient funds/NSF ) fees per day for Consumer accounts. 

This would imply that you will be charged no more than XXXX fees for overdrawing your account on any given day. However, both a regular customer service agent and a XXXX told me they do charge for more than XXXX transactions, but they carry those charges over to the next day! In the words of their XXXX XXXX, or possibly XXXX, what did you think happened to those charges? Did you think they went away? I said no- I believed I would only be charged for XXXX transactions, not charged for XXXX or XXXX transactions, just spread out over many days additionally, I have been being charged overdraft fees for overdraft fees! Amounting to many hundreds of dollars. Looks like Wells Fargo is back at it- robbing people blind.
Product: Debt collection

On XX/XX/2019, a collection was wrongfully and unknowingly opened on my credit account with a balance of {$490.00} by MS SERVICES, LLC. I contacted the creditor, XXXX XXXX XXXX XXXX, about the situation and they told me they had no such account under my name/information. I then reported it to XX/XX/XXXX only to be told that the " Disputed information was verified as accurate '', which is false because I have never had an account with XXXX XXXX XXXX XXXX or MS Services LLC. I then found that MS Services LLC has had a history of incorrectly putting collections on credit accounts and refusing to give information/giving false information about the accounts and debts owed to the individuals it has affected.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there are XXXX inaccurate hard inquiry on my credit report. 

XXXX XXXX Inquired on XX/XX/2023 XXXX BANK Inquired on XX/XX/2023 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Product: Mortgage

i fell behind on payments due to covid 19 and a death in the family and was not able to catch back up i did request like forbearance and a adjustment but did not receive anything i also applied for state assistance and was denied
Product: Credit card

I emailed and mailed the following to XXXX XXXX, CEO of Amex on XXXX/XXXX/XXXX : Re : American Express Acct No. Ending in XXXX & Amex Corp Card Ending in XXXX Dear XXXX, As an America Express member since XXXX and a strong advocate of your company 's services, I am reaching out to you for assistance. I became unemployed in XXXX of XXXX. I immediately notified your company on account number ending in XXXX that I wanted to be put on a payment plan. I was told I did n't qualify, but that I could continue making payments until the balance was paid off. I made payments every two weeks either on line or by phone. Each time I made a payment by phone and spoke with your representatives, I told them about my unemployment status, and not being put on a payment plan - I received the same answer which was to continue making payments until there was a XXXX balance. 

Although my account was suspended, I continued making payments which included late fees, annual membership rewards fee, and the annual membership fee. In XXXX, I could no longer make a payment on line because the status of my account was canceled. I immediately called and was told that because my account was delinquent for so long, your process was to cancel the account. I explained several times that this information had never been provided to me, and the representative told me that I can apply for reinstatement if I agreed to pay {$25.00}. I grudgingly agreed to the fee and a week later I received a letter saying I was n't eligible for reinstatement. I again called and spoke to a manager who explained I can apply for reinstatement once the balance is paid in full. This was done on XXXX XXXX, XXXX. 

What I am requesting is for the above reference account to be reinstated, along with my reward points that I 've paid for throughout the almost 30 years that I 've been a member. I 've been employed since XXXX and I am capable of making timely payments. 

Your records will also indicate there was a delinquency on Amex Corp card ending in XXXX. This delinquency was a result of my prior employer not approving the expenses in a timely manner. I 've enclosed their letter for your review which shows all charges, and late and cancellation fees were paid in full by XXXX. 

I was contacted my XXXX XXXX from Amex on XXXX/XXXX/XXXX who told me my account would not be reinstated and to read the terms and conditions. I then told him to give me a full refund of the annual reward program fees ( approx. {$45.00} for 28 years ) and was told I was not eligible for a refund. I asked several times to speak to his manager or the CEO and was told repeatedly he had the final say and my situation had been reviewed with the CEO and he approved the decision. He then hung up on me - the call was recorded and this can be verified. Ironically enough I am being solicited for the blue, optima and corporate Amex cards on a weekly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX And XXXX Hard inquiries I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Barclays Bank Delaware says I opened a credit card with them on XX/XX/XXXX which I never opened. Records on my credit report show the card was never used so it was a XXXX balance every month until XX/XX/XXXX when a charged or fee showed up at {$89.00} dollars with a {$27.00} payment which I never paid??? This shows some payments which I never made then in XX/XX/XXXX it shows a XXXX balance. This is FRAUD
Product: Debt collection

XXXX XXXX XXXX XXXX $ XXXX. By company. 
XXXX XXXX company / {$1600.00} XX/XX/XXXX By company XXXX XXXX company XX/XX/XXXX bY XXXX XXXX XXXX XXXX / {$350.00} XX/XX/XXXX By XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX by XXXX  XXXX XXXX  All by company fraud need to taken ASAP