23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX and XXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.
Product: Credit card or prepaid card

1 ) Fraudulent transaction for {$9900.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX, Fl we reported this to Money Network. 
2 ) Fraudulent Transaction for {$9800.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX Fl yes we did a report to Money Network 3 ) Fraudulent transaction for {$9400.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX, yes we did a report to Money Network 4 ) Fraudulent Transaction for {$98.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX Fl, yes we did a report to Money Network. 

When we found this, we called Money Network Customer Services, let them Know what happened because we did Not do those transactions. They said they are going to star an Investigation and after 90n days they will notice their decision, also they said that we have to call every week and follow the dispute process. We filled out the form and after several unpleasant calls, they decide to denied our Claim. I will attach documents. Money Networ never send any letter about their decision. 
Thanks XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 or other personal consumer reports

While checking my personal credit report, which I acquired from XXXX, XXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute and request the correction of inaccurate information found on my credit report. Upon reviewing a copy of my credit report obtained from your agency, I observed an erroneous late account entry that is adversely affecting my credit score.

NSTAR/COOPER XXXX XXXX 

I wish to highlight that this late account entry is inaccurate, and I firmly believe it violates the Fair Credit Reporting Act ( FCRA ). I have already contacted the other credit bureaus- XXXX and XXXX - regarding this issue, and they promptly updated their reports to reflect the accurate information. 

The account in question has been fully paid off, and there is no remaining balance, as evidenced by the documentation and records provided. Despite my attempts to rectify this error, it appears that your agency has not complied with the law by persisting to report this inaccurate information. 

I appreciate your prompt attention to this matter and anticipate a timely resolution. Please provide written confirmation once the correction has been implemented and the accurate information has been updated on my credit report.
Product: Credit reporting or other personal consumer reports

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TransUnion, and XXXX have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code XXXX XXXX XXXX XXXX 
I demand that XXXX, TransUnion, and XXXX provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed immediately.
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Sallie Mae Bank shared my personal information with debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. filed a lawsuit on XXXX XXXX XXXX behalf then XXXX, XXXX, XXXX, XXXX, XXXX. shared my personal information with XXXX, XXXX XXXX XXXX XXXX. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from Sallie Mae Bank, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or XXXX, XXXX XXXX XXXX XXXX. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, Sallie Mae Bank knowingly transferred my personal information without my lawful authority to debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX illegally shared my personal information with debt XXXX XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. illegally shared my personal information with XXXX, XXXX XXXX XXXX XXXX. and all obtained and are in possession of my personal information without my lawful authority and XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, XXXX XXXX XXXX XXXX has used such information and illegally attempted to collect an alleged debt.
Product: Mortgage

I have been trying to communicate for months with the mortgage company. My father left me the property and when this company picked up the loan they clicked me off of the account again. I tried repeatedly for months to communicate with them and find out what was owed and get assistance. But they kept refusing to communicate. It was only after I started including my sister in all emails I sent them to get put on the account, that they finally acknowledged me. The said I would be assigned a single point of contact and I would be called. I keep calling and no one is assigned yet. No one ever calls. But I keep asking and keep getting nothing. Now they are saying it is being foreclosed. But I havent received any info I havent received any help getting things fixed. And I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home mortgage with XXXX XXXX  is not being reported. 

The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.
Product: Bank account or service

I ran up a large XXXX Debt with Wells Fargo around XXXX, {$25000.00}. I also had some loans. In XXXX I went through a 3rd party debt resolution company, XXXX XXXX XXXX to work out a payment plan. The loans were not paid in full, but charged off. Wells Fargo wanted the XXXX paid in full. I did do that and the last payment was in XXXX XXXX. In XXXX XXXX, Wells Fargo sent me a confirmation letter that the debt was resolved and my acct was closed. I waited for this to be removed from my credit report for about 6 months. I made several phone calls to Wells Fargo, sometimes hearing a sympathetic voice and a promise to do something, sometimes the customer service people would be very rude. I was told that a resolution is equal to a charge off and " Wells Fargo can leave this as is as long as they want '' I tried using a company called XXXX XXXX with no results on this particular issue. Wells Fargo has told me they are leaving {$40.00} owed on my account, but the account is closed so I ca n't pay it. My credit report shows months of " failure to pay '' on this account. 
I 'm confused about why they 're doing this. They did try to file a judgment, but that was held off with the agreement to pay in full in place through XXXX XXXX. The Judgment was filed with XXXX XXXX XXXX Court. I believe XXXX has removed the judgment, I 'm not sure about the other XXXX. 
The payment company " go between '' for Wells Fargo and I was XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries are unauthorized and meed to be removed from mt credit report immediately
Product: Money transfer, virtual currency, or money service

Coinbase rep moved {$19000.00} worth of XXXX out of my coinbase account and never got them back to my coinbase account. I called Coinbase 's customer service line, someone answered from company. I needed to update bank info on coinbase trying to buy more XXXX XXXX on coinbase ( I was not getting the micro deposits into new bank account ) the coinbase person who answered the phone ( I have proof I was on phone with coinbase for 37 minuets and I received a call back ) stated that my coinbase wallets and account was frozen and they Coinbase had to create new wallets and move XXXX coins ( XXXX, XXXX, XXXX, XXXX, XXXX various coin amounts in each coinbase wallet ) into said new coin wallets. I wrote down new wallet addresses and the coinbase rep then created new coinbase wallets and moved the holdings out of old coinbase wallet and created new coinbase wallets and transferred them. I was under the impression that my coins would stay in coinbase and when I looked at my balances all XXXX  coins from said holdings have disappeared in the amount of {$19000.00}. As a 100 % XXXX XXXX XXXX and new to coinbase I followed Coinbase 's lead on a problem with my account only to have them lose or steal them from me.. Coinbase mission statement, if you will, states they created this company for the new and un educated new investor who can be looked out for by coinbase so as of now they have no customer service or educational services. They set you up with this false narrative and then take your money and coins away from you.. .. 
So much for GOOD Faith financial business. This company is stealing money from LOTS of customers.. over 1400 complaints on missing money is what I've found so far
Product: Credit card

Always pay my Amazon Chase Visa account online. On XX/XX/2016, I tried to access my online account to pay my account and found that it had suspended because of recent activity. It recommended I call the number on the back of my card. Doing so ensured an hour of transfers to various " fraud representatives '' that cited the same written retort. Your account has been suspended due to fraudulent activity. Public questionnaire was for some other persons information, therefore, failed to authenticate. Personal questions to identify me as the primary account owner and legal authorized user were disregarded ( as in they refused to ask me those identifying questions ). Finally, admitting that the account was suspended due to activity on XX/XX/2016 - the activity was a call made to Chase questioning a charge, now my account is suspended! Exhausted with the circle of lies and transfers that ended with every representative talking over me instead of listening to the issue, I requested that my card be canceled - amazingly they were did cancel my card even though they can not identify me as the actual authorized user but refuse to send me a statement showing charges on a {$2500.00} credit card bill that now needs to be paid in full by XX/XX/2016. 
Truly, if my account was suspended due to suspicious activity then why did n't they call, email, text or suspend my card so that charges could n't be made?
Product: Debt collection

In XX/XX/XXXX, I received correspondence from the company demanding payment for a debt I did not owe. In response, I promptly dispatched a Debt Validation Letter on XX/XX/XXXX, which they acknowledged receiving on XX/XX/XXXX. This letter meticulously outlined my request for specific documentation to validate the alleged debt, including details about the creditor, the alleged debtor, the agreement authorizing debt collection, and more. I made it explicitly clear that failure to provide this information within 30 days, devoid of errors, would necessitate the immediate removal of all references to the account from credit bureaus.

Subsequently, upon reviewing the documentation provided by the company, it became evident that the itemized bill lacked my name. Moreover, the lease agreement furnished by their office, dated from XX/XX/XXXX, to XX/XX/XXXX, did not align with my tenancy period. Analysis of the transaction history revealed an " Out of Lease '' charge only from XX/XX/XXXX, whereas my tenancy ceased in XXXX upon the lease 's expiration. Pursuant to legal regulations, any continuation of the lease beyond its term should have been documented with a specific charge, which was absent in the provided records. Thus, it appears another lease must have been executed after XX/XX/XXXX, until XX/XX/XXXX, without my involvement.

Following the demonstration of the debt 's invalidity, there was no communication from the company until XX/XX/XXXX, when they attempted to restart the collection process despite being aware of the debt 's invalidity. In response, I have engaged legal counsel to further substantiate my non-liability. In my previous correspondence, I explicitly instructed them to cease and desist all further attempts at collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX in charges occur on this shell.CBNA in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time someone put XXXX different credit cards in my name. I contact most of the creditors and also put on a fraud alert and disputed each item, but only one or two was remove. 

This all started when I was a part of XXXX data credit breach years back and never stopped. Please help me get these fraudulent credit cards off all 3 of my credit reports.
Product: Checking or savings account

On Friday eve XX/XX/XXXX, I was advised by XXXX, MA Police Officer to check my checking account/debit card balance. I had called the XXXX Police Department ; they dispatched an Officer ( to my home ) as I complained that I believed that I was in the midst of a scam ; I stated that in was happening in real time. 

As my account was in tact, the Officer understood my reservations, but no crime had been committed at that time ; hence her advice to check my account regularly. 

On Sunday morning XX/XX/XXXX, I was now overdrawn {$400.00}. On Saturday XX/XX/XXXX, my balance was {$1600.00}. I went to my regular Citizens Bank ( on the XX/XX/XXXX ) to speak with a Manager about my situation ; I brought documentation. She was of little help, unwilling or unable, and referred me to the bank 's normal customer service telephone number.

On Sunday by telephone a bank employee took a detailed complaint. She stated that I would hear from an investigator within 2 business days. I have to hear from an investigator.
Product: Checking or savings account

I hold both a XXXX Visa and an XXXX XXXX card with the bank. On XX/XX/2024, I deposited a {$45000.00} check from the U.S. Treasury into my checking account. The bank held the funds for approximately 10 days. Upon confirmation from the bank that the deposit had cleared, on XX/XX/XXXX, I made two online credit card payments : {$3100.00} to XXXX XXXX and {$14000.00} to the XXXX Visa, effectively paying off both cards. However, on the same day, the bank erroneously processed two additional payments totaling {$17000.00} to the same two cards without authorization. Concurrently, all other outstanding transactions on my checking account were being returned, resulting in a negative balance. 

On XX/XX/XXXX, I promptly contacted the bank to address the unauthorized duplicate payments and requested that the excess amounts be returned to my checking account. Despite numerous attempts over the following 27 days, the process of rectifying this error has been fraught with challenges. The bank has continuously refused to return the excess payments of {$17000.00}, citing ongoing investigations for which they have provided no transparent explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the person.
Product: Debt collection

DEAR CAINE WEINER, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # XXXX Amount Owed : {$430.00} Original Creditor : XXXX Date Opened : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit yesterday because i was going to apply for a home loan. i used an online site service to obtain a report and noticed several fraudulent accounts and inquiries that i didn't authorize and have no knowledge of. 

The first account Discover Bank and it was opened in XXXX of XXXX the account number is XXXX and the account was closed on XXXX of XXXX. The balance of this account is {$6400.00} and i found out about it yesterday. 

The next set of fraudulent information came in the form of inquiries on my credit report : XXXX card services - XX/XX/XXXX XXXX card services - XX/XX/XXXX XXXX card services - XX/XX/XXXX
Product: Credit card

Hi, Multiple times this year my card was charged a fraudulent charge that shows up as XXXX XXXX  XXXX XXXX have called this in as a fraudulent charge and Chase has canceled the card and issued a new one, and then the charge has shown up again. I have reported it via the website and spoken on the phone with representatives. XXXX of the times the call center representative kept me on the phone for an hour ( possibly longer ) trying to convince me it was a legal charge even though XXXX has told me categorically that it not only is not a charge of theirs but that it is clearly a fake impersonation of an XXXX charge because it says " XXXX '' which they do not use, and also does not have an accompanying number that matches their number conventions. Every time Chase cancels and issues a new card I have recurring charges assigned to that card that cause me grief and financial trouble and also, have to go through the process of changing the number with multiple companies. Then the charge shows up again on the new statement, even though it should have been flagged as fraud to begin with, by Chase and XXXX XXXX. Since this is still happening after XXXX months after multiple reports I have reason to believe it is being caused within XXXX XXXX and not outside since I almost never use the card physically at any retailers and my other cards are not experiencing this issue, and this card has had a new number assigned XXXX other times this year alone. The first time they changed the number they never removed the charges, btw. I had to call again and spend an hour on the phone to make that happen. Now I see multiple charges since XXXX so working with Chase to resolve it didn't make a difference.