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

Hello. 

On XX/XX/XXXX I was a victim of Identity theft. Someone got into my e-mail address and my XXXX account, and through that got into my Gemini.com account. I caught the problem within 20 minutes and got control of my e-mail back, but the thief had changed the e-mail address on my Gemini account. I have the e-mail trail of this which means I can identify the e-mail address the thief changed it to as well. 

I tried to contact gemini through several avenues including XXXX, e-mail and through their website help section. That last one got a response. I got an e-mail telling me to change my password and asking a few basic questions. I told them I could not change my password as I was locked out of my account because someone hacked it and changed the info on it. They then told me they were temporarily locking my account and would escalate this to " another team ''. I asked them how long that would take to no response. I asked them for any timetable at all to no response. I asked them if I had a support ticket number to no response. They have completely stopped responding to me. 

So then I turned to XXXX and messaged @ Gemini on Friday XX/XX/XXXX. I told them all of the above. The XXXX account told me it would be escalated to " Customer support '' and someone would contact me soon. I asked how long soon may be to no response. I asked if that meant today to no response. I asked the next day the same thing to no response. I asked again today to no response as of yet. 

I have even tried this morning messaging one of their mods on XXXX to no response yet. I do not want to wait months for this account to be unlocked and returned to me. I have screenshots of all of this if you need it but it says right now not to include personal information and it has my e-mail addresses and so on in them. I can provide them if you want.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : XXXX. XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX   XXXX {$150000.00} XXXX XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 : credit card and collections : Account name XXXX XXXX XXXX|Account number XXXX Balance {$4900.00} ; Account name XXXX XXXX XXXX Account number XXXX Balance $ XXXX Date opened XX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit card

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear [ TransUnion, XXXX ] I am writing to formally dispute an incorrect item on my credit report. According to my recent credit report from [ XXXX XXXX ] , there is an inaccuracy that I would like to have investigated and corrected. 

Disputed Item : Creditor Name : [ e.g., XXXX XXXX  / XXXX XXXX ] Account Number ( last four digits, if available ) : XXXXNot Available to old to exist Issue : [ Incorrect hard inquiry / Incorrect account closure / Late payment reported incorrectly ] Account to old to be reported Date of Occurrence : [ XX/XX/XXXX ] Reason for Dispute : I believe this information is inaccurate because I did not authorize this hard inquiry, This account was closed in error, or I have never made a late payment on this account ]. I am requesting that this item be investigated and either verified or removed from my credit report. 



Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to this dispute within 30 days. Please notify me in writing of the results of your investigation and provide an updated copy of my credit report once the issue is resolved. 

If you need any further information, please contact me at [ XXXX ] or [ XXXX XXXX XXXX ]. Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Checking or savings account

The Albert App makes it impossible to deactivate and cancel the subscription. I have tried numerous times, to no avail.

I recently emailed the company, and I am now hopeful I will be able to cancel. I have been charged fees ranging from {$2.00} - {$96.00}.
Product: Credit card

I emailed them over and over that I could not pay my bill because I was locked out my account. They werent getting bk to me. They started reporting my payments as late and its on my credit report.
Product: Debt collection

I hope this complaint finds you well. I am writing to bring to your attention a discrepancy in my credit report that needs urgent clarification and resolution. I have attached a copy of the credit report from your bureau dated XXXX XXXX XXXX, for your reference. According to your report, the account with the following details is claimed to have been removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, upon obtaining a recent credit report from XXXX XXXX XXXX today, I discovered that the very same account is still listed on my report. This inconsistency is causing confusion and concern. I am seeking an explanation as to why your bureau claims the account was removed while it continues to appear on my recent report. Moreover, I want to bring to your attention that XXXX and XXXX have already removed this account from their records. An error was identified, and they were able to rectify the situation promptly. I am perplexed about how your bureau has verified this account when others have acknowledged the error and taken corrective action.
Product: Money transfer, virtual currency, or money service

Hello I need a Full Investigation on all my banks and any card issued under my social security number XXXX I have not been paid and assets where stollen for a Wells Fargo Settlement
Product: Credit card or prepaid card

In my XXXX XXXX app, I got an offer to apply for XXXX XXXX credit card so that I will get XXXX miles. I applied and when I submitted the application they declined and saying the reason that I submitted multiple applications for credit. 

Earlier they said some other reasons and they did not say anything about that in this declining letter. 

So pelase ask them to stop sending me such advertisement materials and then declining applications. If tehy have no plan to approve why they are sending my such advertisements
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been permanently deleted from XXXX
Product: Checking or savings account

J.P. Morgan Chase sent me a letter in the mail stating that they are choosing to close my account and end the banking relationship. They request I withdraw my funds from my account by XX/XX/XXXX on XXXX XXXX. They did not provide a specific reason as to why my account is being closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the account XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

U.C.S. 1681 Section 602 A states that I have the right to privacy U.C.S. 1681 Section 602 A Section 2 its also states that a consumer reporting agency can not furnish a account without my writing instructions
Product: Credit card

XXXX Charge card XXXX each XXXX charge cards XXXX each XXXX unknown cards addendum to the first complaint. this is XXXX attorney XXXX We were forced into a sale of a ring. We knew that we didnt have the credit to cover this type of transaction. We left the store without sufficient funds to cover the purchase. And still dont have the funds covered for the SCAM. And the next day, we tried to return it. But were told they would only give a store credit unless we had it appraised and it was less than the purchased price. We get home to find XXXX credit cards ( with a total of {$62000.00}. ) and additional money being requested to be on the cards that had been declined due to not enough credit resources. And we have rejection letters. Nowhere would we have thought there would have been numerous charges for XXXX item. And a balance for XXXX other cards we still do not know where they are. We were told the store will take on that balance at this time nothing has been said about who to pay or how much. So, we went and had the appraisal completed as per the invoice. And it came back with a Fair Market Value of approx. {$26000.00}. For the purchase price of a {$78000.00}. Ring. And stated this was a SCAM. This was totally a scam from the very beginning. We hired a Florida Attorney who was recommended by the Florida Bar. And she is dealing with XXXX Attorney that is also in XXXX Florida and they say we will have to go to XXXX XXXX XXXXXXXX for arbitration. The cost we have already had to come up with for something that we didnt and dont want is way beyond our means. Please let us know if there is anything that you can help with. In speaking with the HOT line they said this would be added to the original claim. Thank you XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked my credit report and seen unknown inquiries on my credit report
Product: Credit reporting or other personal consumer reports

To : XXXX, XXXX, Equifax and XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX : NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Regards, XXXX XXXX ( FCRA )XXXX XXXX XXXX Equifax Information Services, XXXX, XXXX and XXXX XXXX XXXX. 

I am attaching my ID and proof of address to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. There has been no known financial harm inflicted on me yet, but potentially all of my personal financial information has been compromised. This is completely ridiculous for a company that handles so many peoples personal information that can be used maliciously to ruin someones life. This is not even a service that I opted into. EquiFax has collected all of my personal information and then released it to bad actors because they were too cheap and irresponsible to hire professional security experts.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I opened a Coinbase account and transferred {$5000.00} from my XXXX XXXX XXXX savings account to my Coinbase USD digital wallet. 

I 'm a XXXX citizen doing a XXXX in the USA, so I provided my passport, XXXX ID ( and a scan of my XXXX XXXX ) a few hours later to verify my ID. At this point, Coinbase disabled my USD wallet ( on which the aforementioned transfer was pending ) and replaced it with an EUR wallet. 

I contacted Coinbase support immediately to make sure that the pending transfer had been canceled along with my digital wallet, and received a few irrelevant automated messages. A day later ( XXXX XXXX ), the money had left my XXXX account, and I called Coinbase which asked me for a proof of residency. I complied immediately ( rent statement, lease agreement ), and I 've been waiting for any concrete development ever since. On XXXX XXXX, an automated messaged informed me that the money had reached my USD wallet ( which is not even listed on their platform ). I asked for the transfer to be reversed pending the resolution of the problem, to no avail.

I am growing anxious, given the volatility of the market Coinbase is operating in. This is a lot of money, especially for a student.
Product: Debt collection

Original Complaint - " The Original Creditor ( XXXX XXXX ) closed the account of {$1700.00}. An unauthorized account was opened by FAIR COLLECTIONS AND OUTSOURCING INCORPORATED on XX/XX/XXXX.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them. '' On XX/XX/XXXX, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED with a remedy, of closing the account and contacting the credit bureaus, that FAIR COLLECTIONS AND OUTSOURCING INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report. 

FAIR COLLECTIONS AND OUTSOURCING INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " The account was assigned to our office on XX/XX/XXXX from creditor XXXX XXXX / XXXX XXXX XXXX & XXXX. Creditor maintains ownership of the account. Our office is a third party retained by the creditor to attempt to collect on their account. The debt is owed to the creditor. '' This is my second contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED in an attempt to give FAIR COLLECTIONS AND OUTSOURCING INCORPORATED a chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX XXXX XXXX then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX XXXX / XXXX XXXX XXXX & XXXX ; thus, XXXX XXXX XXXX ' contract would not be with FAIR COLLECTIONS AND OUTSOURCING INCORPORATED, but with XXXX XXXX / XXXX XXXX XXXX & XXXX.
Product: Checking or savings account

Hi, Citi Bank contacted me and let me know they will be closing my account around XX/XX/XXXX without telling me the reason why. I had roughly {$78000.00} in my account. They told me the account should be closed between 30 to 60 days and they will send the remaining balance as a check to the address I have on file. I called back on XX/XX/XXXX to check the progress of the account. They told me it's still in the process of being closed but they will email the back office to get so I should call them back in 24 to 48 hours. I called back on the XXXX. They essentially just told me the same thing they will email the back office and tell me to check back in 24 to 48 hours. I called back again on the XXXX and again, and the same response. I've checked online and it seems like a lot of people are having the same problem with Citi Bank on this issue. I have no idea what to do at this point.
Product: Credit reporting or other personal consumer reports

I informed JPMCB CARD SERVICES THAT I AM A VICTIM OF IDENTITY THEFT!!! and they responded by saying that this account is verified, this is impossible, I am the only one who can verify any account on my credit report!!! This account is an unauthorized account, its a product of my identity being stolen.
Product: Debt collection

I took a payday loan at XXXX, due to financial hardship I was not able to pay them and passed on my debt to a credit collection agency. This complaint is regarding BLACK WATER CAPITAL GROUP, at first they left a voicemail saying that they were from an Attorneys office and that there is a lawsuit filed against me, And the same message my husband received from them saying theres a lawsuit being filed, they contacted my husband as well, when I called the number they told me to call it was a lady named XXXX XXXX that answered the phone, not stating the company name first, and already discussed to me that they are a credit collector and that my {$400.00} debt already had charges and I had to pay {$900.00}, they asked for my debit card no. And they said I had to pay the full amount, it was only to my realization because everything happened too fast and the scare that Im going to be sued that I agreed paying, but I dont think it is right for them to impose that high of an interest since Im already struggling and thats why I havent paid the original loan in the first place. They kept calling my husband, they would use different numbers till now.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX Inquiry Date, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.