23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My computers were hacked on XX/XX/XXXX. Everything was jeopardized and caused the problem with my credit. Scores as well as my credit account. My identity was in jeopardy because they hacked into my bank account and at some points my bank balances were inaccurate. When I reported it to the local police department XXXX. XXXX XXXX told me through an email, he was hacked before so what made me different? I responded because I have federal papers on my computers and if they are in the wrong hands, it can be a problem for myself and my family. I was recruited for DEA at one time as an FBI : Special Agent. Although I turned it down it was still on my computer and I completed federal court cases from the XXXX XXXX XXXX to the US Supreme Court. Also, the hackers wanted my homes that were promised to them by my nephew with an illegal Gift Deed. These hackers were known to be in the drug business and their aim was to mess up my finances so they went after my bank account with fraudulent activities taking large sums of money from my bank account. They overtook my computers and my cell phone, landline phone, and computers. They paid individuals to try to take my identity through my XXXX  card, dr. appointments, and medication. They threaten individuals who worked for me because they wanted my house at XXXX. XXXX XXXX, XXXX, GA XXXX. They tried to steal my identity by having others pretend they were me and go behind me to change things around mean. They interfered with my US Postal Mail and last but not least when they had a tree from their property to damage my auto. They paid XXXX XXXX XXXX XXXX to total my car because they knew it would be hard for me to find another one on my modest income How the credit scores came involved when I start looking into home equity that I never used and I talked to XXXX about a reverse mortgage ; then, it was obvious my computer had been hacked because XXXX asked if I was in Good Standing on my credit scores. The hackers started having XXXX come up with all types of discrepancies and when I contacted XXXX  XXXX XXXX, I remembered they told me that fraudulent activities were on my bank account since all this started in XXXX of XXXX. So I should have notified them but I received no support from local law enforcement. I had to do it all myself and when I reviewed my credit report, I never informed them I was a victim of Identity Theft because the hackers had all my information. They wanted my home at all cost even to the point they raised my dead mom ( who passed on XX/XX/XXXX ) and they said she gave a Gift Deed of the house to someone in XXXX.
Product: Debt collection

For the past several months I have been trying to get these accounts resolved. Credit Management Control request that I send them proof of address in which I have. I have yet to get a written response from them and it has been more than 30 days. This account is fraud and needs to be deleted asap. I have attached an ID Theft affidavit, my ID and proof of address ( XXXX XXXX XXXX statements from XXXX ; which was requested by Credit Management control ).
Product: Debt collection

Focus Receivables claimed to be my electric company and threatened to shut off my electric if I did not provide my credit card or a check over the phone in the amount of {$1400.00}. XXXX bill is paid up and I believe they are actually working for XXXX. Debt is only XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX  IDENTITY THEFT XXXX XXXX XXXX XXXX  -- IDENTITY THEFT XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been violating rights. 

I looked at my Equifax credit report on XX/XX/2024 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 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.

Resources
Product: Credit card or prepaid card

I called customer service about trying to get some late payments off my credit report from last year due to COVID and my wife not working at that time. The lady one the phone was very nice but she could not see anything on my account past the last 6 months and that my account is now current. I was advised to contact the Capital One 's executive resolutions department, I sent them emails with no response. The dates that Im trying to remove are from XXXX XXXX XXXX which were during the pandemic. My account is now current and those late payments are effecting my credit score.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX and 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: Money transfer, virtual currency, or money service

I updated my Coinbase App on iphone on XX/XX/XXXX. The updated Coinbase app was requesting me to re-login. I received SMS verify code from them and it just didnt work on the app. After several times of trying, my Coinbase account was temporarily disable. I followed the steps from Coinbase.com and submit a support request through email. No one respond. From the morning of XX/XX/XXXX to today, I called Coinbase customers support line four times and waited 40 mins on average. The call was disconnected 4 times. They sent me follow up emails that provide same information I can find online ( not actual help ). They have no idea, or no plan on how to solved the problem. No one from Coinbase has ever contact me beside the email that tells me to wait. 

It has been 5 days. The market changes every second. Their irresponsible customer support could result really thousands of customer a desperate financial situation. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

I have been attempting to withdraw my money from my account with solo funds for over 6 months. I have submitted several requests to get my money transferred with their IT department Ive followed every instruction to the letter and still they will not transfer my money to me. Attached is screenshots of my 6 months worth of complaints and the latest error message I received and was told there was no issue
Product: Money transfer, virtual currency, or money service

Reference : COINBASEs transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX the Company. The funds were transferred utilizing COINBASEs services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.
Product: Credit reporting or other personal consumer reports

Ive recently discovered multiple inquiries on my credit report that I did not authorize and have no connection to. These companies have pulled my information without my consent, and fraudulent applications were made in my name. I contacted the credit bureau, and a representative assured me that these inquiries would be removed, yet they remain on my report. This situation is causing me significant stress and frustration, as I did not approve these inquiries, nor did I initiate any related transactions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX. # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX, XXXX, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Debt collection

I have fallen behind on my credit cards.I explained to my Bank U.S bank that I will be able to pay on them in XXXX, and there's nothing else I can do.I ask them to stop calling me at work. I drive a semi truck. I have explained to them that they are distracting my saftey, and that I drive at night, and sleep during the day.But they call me throughout the day several times, and I have it on my call records.

When I told them to stop calling me on my job, they didn't give me a reply on it.

Upload screen shots are of the US bank phone call most recent.

I have more from the recent past
Product: Credit card

I had two capital one credit cards and I'm really good at making my payments and all that but the past two weeks someone been trying to pay off both of my credit cards and I know I don't have the money to do that so I didn't try it but the first time I saw it I called them and they looked it over and didn't see anything and told me not to worry so I didn't worry about it and then yesterday I made my payment and today I checked my account to see if my payment went through and I saw both of my credit cards were Restricted so I called them to figure out what was going on and they told me someone tried making payments and we returned them and since they did it so many times they closed my accounts and I told them it wasn't me because I get paid once a month and I didn't have the money to pay both of my credit cards off and I told them if they tried more payments how come I didn't get any notification on it so I could stop it and when I said that they acted confused and I asked them if they could reopen my accounts but they said no but if I want another one I have to reapply and since they closed my accounts they screwed me over because I get paid once a month and I made payments to the credit cards and find out they are closed with no warning or call from someone to let me know
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt, I called immediately and paid the debt off. I never received any phone calls, letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.
Product: Mortgage

I have lost my Job due to being on XXXX and awaiting the process of going through the Social Security process. This lead me to be behind One payment of my Modified Mortgage. I pay the mortgage on time, and give a little extra to go towards the outstanding bill. Nation star has been putting that extra money in suspense, and then sending me back a check every so often for that extra money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, XXXX say sure, put it in. When I make a dispute, XXXX denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXXXXXX XXXX XXXX apartments. I was I there for about two months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXXXXXX XXXX XXXX  pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from XXXX Again, a feral retail account that closed due to data breaches. XXXX help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want 2 things.

# 1. That my account be reported as paid off and in good standing which it is now # 2. That the delinquency notice be removed from my credit report THIS IS BECAUSE OF THE FOLLOWING BSI over billed my account over {$1000.00} & then reported my account as delinquent BSI mistakenly billed me for {$1500.00} payoff agreement with a deadline of XX/XX/XXXX and then an updated payoff agreement for {$1500.00} in a payoff agreement with a deadline of XX/XX/XXXX. However, I was being billed for over {$1000.00} over and above what I should have been billed for in a payoff agreement. 

I was certain the amount I was being billed was incorrect. So finally after a month of six different phone calls to customer service, BSI admitted its mistake and I was issued a payoff agreement for {$540.00} with a deadline of XX/XX/XXXX. On XX/XX/XXXX I wired this amount to Bank : XXXX XXXX XXXX  Beneficiary : BSI Payment in Process Clearing Account and my account is now paid in full. 

However, for some reason a delinquent account notice was triggered on XX/XX/XXXX and is now being reported to credit agencies. Since this was a clear mistake on the part of BSI, BSI needs to change the delinquency notice and remove it from the credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  Balance XXXX {$720.00} 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: Checking or savings account

Charles Schwab has denied me access to my checking and trading account with out no notification or reason why. I have called several times and nobody can tell me why i can not access my account. If I had an open position i would be bankrupt right now. I recieved no phone call or email notifying me why. They said they could not tell me why
Product: Debt collection

Filed Dispute on credit bureaus original creditor is XXXX XXXX XXXX XXXX XXXX {$1800.00} placed collections XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Applied for capital one card through my work which was Walmart. Used the card one time for XXXX gifts. Later that month I tried to pay it and they said I didn't have an account with them and said I didn't owe anything. I called for the next two months, and they kept giving me the same answers. I never received a card. So, after a couple months go bye with still no help, I get a paper in the mail saying I owe a bunch of money and I have multiple missed payments. So, I call them about the statement I finally received, and they said there is nothing they can do to help with all the late fee charges even though I have called each month to try and pay them. They said for them to be able to help I have to give them my, Social Security card, bank info, birth certificate, and address. I said I didn't feel comfortable sending all that and asked for another way to resolve this because I just want my credit fixed and to pay the money I owe with no late fees. They give me different answers every time I call and say they can't do anything without all that info. So, until I send all of that information I DONT feel comfortable sending they will not let me pay my bill. I just want to pay what I owe, and they are not letting me and racking up late fees that are not my fault.