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

On XX/XX/2021 I received a confirmation that I bought {>= $1,000,000} worth of Bitcoin. Apparently I messed up with the verification process and they locked my account. I found a guy named XXXX XXXX that said he could help me get back into my account and transfer my Bitcoin to my XXXX wallet. It didn't feel right so I cancelled the transfer. This was done XX/XX/2021 at XXXX PDT. Since then after numerous emails promising to unlock my account I am still locked out.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA ; XXXX. XXXX XXXX XXXX : account # XXXX XXXX. XXXX XXXX XXXX : account # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( May 16, 2016 ).

Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account states. 
Everything reported here does not meet the FRCA.
Product: Money transfer, virtual currency, or money service

I was charged a {$200.00} security deposit on XX/XX/23. I was supposed to get a {$400.00} credit line but I have not been able to withdraw any funds from my account.I have contacted them several times but they never respond to any email and the phone is just for instructions that will lead you back to the email to support who never answer it..
Product: Debt collection

XXXX XXXX XXXX called me XX/XX/2021 to inform me of a debt received for collections. I asked the representative to send communications concerning debt to me via mail so that I could verify the debt. I also told this representative not to call me about this debt and that I only wanted mail communication. Later that day I received another call from this company. I called the company on XX/XX/2021 to ask the company to stop calling and the representative said he would remove my number from their automated dialer, later that day I received another call from the company. I have received a call from this company 2-3 times a day every day since XX/XX/2021. I called the company again today XX/XX/2021 to ask the company to stop calling me again. I spoke with XXXX and XXXX XXXX about the constant calls. XXXX but they continue to call. The company still has not sent me communication via mail concerning this debt and they are still calling me 2-3 times per day.
Product: Credit reporting or other personal consumer reports

The listed accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX Bank XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 15 USC 1681 section 604 A . States I have the right to privacy.

It also states 15 USC- 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts listed above.
Product: Mortgage

PHH mortgage company has no accountability, can not be reached by phone. I did finally reach them by phone, I made a payment over the phone, because the website is broken, and was content that a payment was made. I even received an email with a questionnaire following up on my over the phone payment. 2 weeks later, I log on to make another payment, only to see that my previous payment was never recognized. So now I have a mark on my credit score. I tried calling the customer service number, no-one picked up. I am furious. I have worked for years to build up and keep a good credit score. What agency allows a company like PHH to operate? All online reviews are at 1 star out of 5 for this company. Who protects the homeowner? The borrower? 

I want my credit score to be restored. I want my fees reversed. I want a reputable company to service my mortgage. I want the Federal Government to prevent shady companies from buying mortgages.
Product: Debt collection

I checked my credit report and noticed a collection that is on the report. I contacted XXXX XXXX, the originator of this account and they told me to contact Transworld Systems, the collection agency. They have it in their records that an address in XXXX ( XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) used my name, home address, and social security number to get this service in the amount of {$1000.00} and its more in collection. I don't know anyone in XXXX and somehow they connected my actual home address to this account even though they used it for a XXXX address. I contacted XXXX and provided the police report that I had written at the police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in my home for almost 11 yrs. My husband got XXXX  and XXXX XXXX  from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to XXXX XXXX XXXX. I had no choice my loan was just transferred. I had multiples debts with my spouse being sick over 2 1/2 years and tried to work with XXXX to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and XXXX puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with XXXX that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being reported by the credit bureaus, and must be removed immediately for violation and inaccuracy : The following accounts have violated my rights : XX/XX/XXXXXXXX XXXX late payment XX/XX/XXXXXXXX XXXX late payment XX/XX/XXXXXXXX Late Payment XXXX XXXX XXXX Late Payment XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agnecy can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) : States no consumer reporting agnecy may make any cnsumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes whch antedates the report by more t han seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A personal shall not furnish any information relating to a consumer to any consumer reporting aggency if the person knowls or has reasonable cause to believ
e that the information may be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is misreporting a balance to XXXX  on a charge-off account that was settled. The account is reporting correctly to both XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that Experian has listed which is unknown and not able to be validated as I have tried several times. I want this remove it is violating my rights XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

The merchant processing company denied claim because they could not get in touch with merchants. They paid fraudulent charges and and are not refunding the money or the overdraft fees.
Product: Checking or savings account

I purchased goods from XXXX on XX/XX/2023 and it was supposed to deliver on same day. I was charged {$1500.00} on that day however I never receive any delivery from them. I did call US bank to dispute the charge however they registered it initially but later 30 days they reversed the provisional credit and told me send them the filled paperwork so they can continue with the case. I did wait for the paperwork to deliver but due to lost mail issue at my unit, my mails were kept missing and I conveyed my issue to US bank, they took all of the information over the phone call. After waiting for over 45 days to see if my case is resolved or not, I called US bank again and they told we closed the case because we didnt receive any paperwork, earlier they confirmed with me all information over the phone call. In last week of XXXX, they did send me paperwork again & I faxed them within 3 days. Again I called again to check the status of my claim, now they are refusing to talk anything about the dispute case and we cant do anything. I just lost {$1500.00} neither US bank helping nor XXXX.
Product: Student loan

My private loans are being serviced by American Education Services and I recently defaulted on a loan. After my loan defaulted I was told by an American Education Services representative that there were options available but it was too late now. I called weekly before the default to see what options were available and was always told no options were available to lower payments or interest rates. Loan payments are {$1500.00} a month, I can not live on making {$300.00} a week payments. Need a way to consolidate my private loans and lower the payments. 

Recently featured in the local paper about the difficulty I have been having dealing with American Education Services. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the item in question XXXX ACCOUNT NUMBER XXXX ACCOUNT CLOSED & SOLD XXXX ACCOUNT NUMBER XXXX ACCOUNT CLOSED & SOLD Accounts should be deleted because its ruining my eligibility standing as a Doctoral candidate. The department of education suggested me to file a dispute for these two accounts.
Product: Checking or savings account

As of XX/XX/XXXX, 2022XXXX XXXX2022 my bank account balance was {$62000.00}. Due to an illegal transaction through online purchases about {$60000.00} withdrawals was made with out my authorization. Chase Bank failed to stop all the huge online transactions. When I found out that a lot of money was withdrawn from my account I was shocked and discussed with bank tellers and managers at two different branches and no one was willing to find out and refund my money. I deposited my money at the bank to protect my myself and my family, not to defrauded or scammed by any illegal transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my acct twice i have the message to prove its inaccurate also on my Equifax they reporting twice, under XXXX XXXX which is reporting negative twice this is the message from the company on why responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXX of Missouri ( XXXX ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXXXXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX found an inaccuracy in the information XXXX was reporting for XXXX XXXX account number XXXX. A change request was made to XXXX to update the account to remove any references to bankruptcy as XXXX XXXX account was not in a bankruptcy status during the time it was owned by XXXX. As XXXX is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX Compliance Department
Product: Checking or savings account

American Express opened the High Yield Savings account and Roth IRA accounts immediately. I connected my other personal bank accounts. I made a deposit via a wire transfer. It was successful. I made a deposit via a check from XXXX XXXX. It was successful. The next day, the check was returned. I received no notification as to why. I then tried to make further deposits to my savings account and Roth. Nothing worked. There was no explanation why. The entire time, American Express sent emails asking me to make deposits. At no point did I receive any information of fraud. Yesterday, I called. It has been 3 weeks with no activity or explanation. I got through security and was transferred to the Fraud Team. Someone named XXXX said he would not tell me what was wrong with my account and that I needed to complete an Affidavit of Identity to gain access to my account. I explained that I would rather close the account. I asked them to return all funds to the original accounts and to reimburse me for the fee to issue a new check. He refused. I asked for proof that I was informed about the fraud on the XXXX of XXXX. He told me that he would send me the email. It has been over 24 hours and I still have not received the email. He also said that American Express called and left voicemail messages. He would not say the date. He lied. I spoke to another supervisor who told me I could email XXXX. That email was returned. She lied, too. I was told the only way to communicate in writing was to send a fax. I have sent over 5 faxes with my name and account number over the past two days. Not a single fax has been connected to my account. Apparently, a person decides which faxes will be actioned. They don't use XXXX. I was told a supervisor within Banking Operations would call me today but that has not happened.
Product: Vehicle loan or lease

wells fargo bank amount XXXX opened XX/XX/2014 car note was sent to wells fargo dealership service .through XXXX for witch I had an acct. that was set up by wells fargo. All prior payments were not recorded nor received by wells fargo acct. # accociated with car note acct. #. car was repossessed by wells fargo without giving me any notice. Acct. # ware money was going was made up by wells fargo without my knowlege
Product: Credit reporting or other personal consumer reports

Looked at my credit report via XXXX, Equifax, & XXXX and seen a lot of different inquiries that were unauthorized by me. The standing of my credit thankfully helped the them be denied on each of these inquiries. I Also had a collection ( XXXX XXXX XXXX ) I knew nothing about, so I don't know if this was from the same person or not but Im definitely a victim of identity theft.
Product: Checking or savings account

My ex-husband closed his account I was a signer on with Wells Fargo during our divorce in XXXX. Wells Fargo did not actually close the accounts and continue to call me. I am not the owner of the account and do not have access to account numbers, statements or online access. I have no way to fix this as I am not the owner of the account. However, Wells Fargo continues to call and email regarding the account but will not close it or take my name off of it as I am not the owner. Wells Fargo calls me multiple times per day. I used to answer the phone but it's pointless because I do not own the account so I can't make any changes or resolve the issue. I'm stuck in a bureaucratic circle of hell because they have my phone number associated with the account. I have blocked the phone number, but they start calling me from a different phone number.
Product: Credit card or prepaid card

I have had a credit card with Citibank for 6 years. My account is in good standing. The problem is with my online account. I have difficulty logging in, and then when I do login, my online information will not properly display - I can not see my transactions. This started on XX/XX/2023. I have discussed this with Customer Service and the Citi Technical Support ; their ticket number is XXXXXXXX XXXX XXXX. We have tried every suggestion they made, but the problem persists. I have sent almost daily reports to them about the problem, and provided screen shots showing the issue, but Tech Support has never responded. I never get any reports from Citi Tech Support on the status of the ticket. I was told that since very few people have reported a similar problem, they do not prioritize this problem for repair. I have no estime on timing for repair. I want my access fixed so that the online service performs as promised by Citi when I got the card. By not fixing the problem, they are withholding services that were promised to me and are associated with the credit card product.
Product: Checking or savings account

There is a plethora of banking errors, overcharges, and money being transferred out of my account without my knowledge. I want copies of all transfers and money on hold. 18 US Code Section 1341 Frauds and Swindles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a company XXXX XXXX reporting a collections account on my credit report for Equifax which is incorrect and does not belong to me. I have tried to communicate with this company with certified letters to get them to either prove the debt is mine or remove it from my credit report. First letter was sent XX/XX/XXXX signed for on XX/XX/XXXX the company did not respond other than to place a disclaimer on my credit report that I disputed the debt. I sent a second certified letter to them on XX/XX/XXXX signed for on XX/XX/XXXX and since I had not heard anything. Therefore I filed a complaint with the CFPB reference complaint # XXXX in which this company responded to them they are not the company to address my complaint with. They are the ones reporting on my credit report not any other company. Since the collection account showed up on only 2 of the 3 bureaus I called XXXX  and it was removed because it is inaccurate reporting. I tried to address this with Equifax with no luck so I am hoping that filing this complaint will get it removed from my Equifax credit report. If the company is reporting it but claiming to the CFPB that they are not the company to provide me proof the debt is mine then it is inaccurate and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial Auto reported a CLOSED account to the credit bureaus when in reality, the account was PAID IN FULL. I contacted Ally and spoke to several people in several departments but none were willing to correct their error. Their error lowered my credit score by 15 points.
Product: Money transfer, virtual currency, or money service

I tried to perform a wireless transfer from my Marcus Bank savings account to my XXXX brokerage account but the bank locked my account ( without notifying me ) and it took many calls with customer serviced to unlock my account. Although I've had a substantial cash balance with this bank for several years, they nonetheless suspected fraud may be occurring with my account. Each time I contacted consumer service they could not explain why the lock was performed. And each time they assured me my account was being unlocked due to my answering a series of verification-related questions ; however the wire transfer still could not be accomplished. I decided to close my account, yet even this action resulting in a further lock of my account until I finally asked for a " supervisor 's '' assistance resulting in closure of my account and transfer of funds to XXXX.