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

My Bank of America ID was looked up on XX/XX/24 XXXX Bank of America password was changed on XX/XX/24 ( unauthorized ) Was not able to access my online banking accounts I called Bank of America and reported Identity theft, and reset my passwords on XX/XX/24 My Bank of America ID was looked up on XX/XX/24 My Bank of America password was changed on XX/XX/24 ( unauthorized ) A XXXX XXXX was added as a XXXX recipient on XX/XX/24 ( unauthorized ) A XXXX account was set up under my name on XX/XX/24 ( unauthorized ) An unauthorized transfer from my Bank of America checking account to a XXXX account in the amount of {$6100.00} occured on XX/XX/24 An unauthorized wire transfer recpient was added to my account, XXXX XXXX on XX/XX/24 An unauthorized wire transfer was requested in the amount of {$1500.00} to XXXX XXXX from my account on XX/XX/24 I contacted Bank of America and put a hold on my account on XX/XX/24 The wire transfer for {$1500.00} was cancelled for security reasons XX/XX/24 I contacted Bank of America and filed a claim of fraud for an unauthorized transfer of {$6100.00} to a XXXX account. A Bank of America representative told my it takes up to 45 days to process claims, with a chance it will not go through.. 
I changed accounts with Bank of America on XX/XX/24 to further protect myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, its been over 60 days later and I have not received a response back. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the item from my credit report it has been over 60 days so this item late payment should be deleted immediately. I demand this late payment be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Zelle did not disclose stand operating procedures regarding sending money transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian to Dispute this account ... And I requested XXXX. Told them this was a fraudulent account. I I sent the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. This account is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete
Product: Mortgage

At XXXX this morning I received two text messages " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, the cell number on your account has been updated. '' " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, you have been unsubscribed for eStatements. '' I called Caliber - and after explaining my concerns, twice, my call was redirected to the XXXX XXXX XXXX. The dealership stated no relation to Caliber. I called Caliber back a third time and they did not answer their line and disconnected the call. I called my spouse, filed a police report, emailed a letter from the Identity Theft program. Attempted calling several numbers listed on their website with no connection to any information or individuals possible.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/21 I received a phone call from XXXX stating that they were a representative from coinbase and that there has been some fraudulent activity on my account. They claimed that someone was making incremental withdrawals from my bank account totaling {$24000.00}. They sent me emails proving that this was occurring. The email address was a legitimate coinbase email address, complete with links to their secure website etc. He then stated he needed the 2FA code to lock my account. I was hesitant but when I verified the email was coming from coinbase, and that I was receiving texts and emails from coinbase while on the phone with this man, It led me to believe it was legitimate. Shortly after giving him the code the phone cut out and I Started receiving coin trade confirmations and other emails from coinbase acknowledging fraud was taking place from a XXXX IP address. 



I was able to remove the funds from my checking account and notify my bank of the impending fraudulent activity. For the past 5 days I have sent over 67 emails to coinbase, calls, etc. I have repeatedly asked them to lock the account and not let any funds IN OR OUT. They assured me that would happen and that I would be contacted by their specialty department which is always through email. I have gotten no where with them and they just keep repeating themselves that I need to log in and change password. I was even asked to Upload my license with a self portrait and specific notes. I have done that multiple times and even sent them screen shots of such. Then I cant get any further because the hacker stole my 2FA. I have explained this as well to coinbase numerous times and they still are not helping. On Monday an attempt was made to take over XXXX out of my checking account which luckily my bank caught. Since then Coinbase has stated they are taking all of my coins in my account ( over {$2000.00} worth ) because they funds were not allowed to go through the bank. HOW INSANE ARE THEY that they think I should have allowed a fraudulent transaction to go through. They are not helping at all, and I am starting to think this was all an inside job. Please help!
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. The credit bureaus stated that they investigated, but how is possible that the open and close date and the last payment date is inaccurate this is grounds for removal. They also violated my rights under : XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Also, the credit bureau took more than 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

BILLING DISCREPANCY PLEASE REMOVE INNACURATE PAYMENT INFO, PAYS AS AGREED 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company Capital One Capital One ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX  Payment Status Current account/was delinquent 90 days past due date Worst Delinquency 90 days delinquent Balance {$1400.00} Credit Limit {$1300.00} Credit Utilization XXXX  %
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft. I am not liable for the debt associated with XXXX. 
I do not possess a contractual agreement with Diaz & Associates Inc, they have failed to furnish the requested original contract as I requested.
Product: Debt collection

My identity was stolen, and a account with FNB Omaha was opened without my knowledge.
Product: Credit reporting or other personal consumer reports

" I am a victim of identity theft, and these items do not belong to me. I request that they be removed from my report.
Product: Debt collection

I got contacted by a debt collector XXXX XXXX from US COLLECTIONS WEST, INC about a debt that I owe that I did n't know about at all. It is for an apartment complex called XXXX that I lived at for a year. I requested the charges details and by viewing them, everything was not accurate. It was completely an accurate claim. I called XXXX and I send him a dispute. XXXX then contacted me and said that the apartment complex has validated the debt and you have to pay! Again those chargers are inaccurate!! I 'm being charged for door lock change, panels, countertops, bathtub, carpets, wall paint and more. There are even things like window screens and shower rod that were not included in the apartment when I received it and they 're charging me for it. Basically, they want me to pay them the expenses for renewing the apartment which I have nothing to do with! I have left the apartment exactly how I received it from them! I feel they are taking advantage of me by sending the chargers to a debt collecting agency and forcing me to pay it! AGAIN, they never sent me notice or anything I 've been contacted by the agency and after disputing the collector is telling I must pay or otherwise I 'll be reported and that the report will damage my credit and if I do n't pay they will send my file to involuntary collections dept that enforces the signed lease to the fullest extent Arizona law allows upon receipt of a suit authorization from the client. 
Please help
Product: Credit reporting or other personal consumer reports

This account LOCKHART , MORRIS & MONT was previously deleted from my account and reinserted back. This is a violation of the FCRA.
Product: Credit card or prepaid card

I opened a new account with Wells Fargo on XX/XX/XXXX with a balance transfer request to XXXX of {$7000.00}. I was told the balance transfer would get to XXXX on or before XX/XX/XXXX. Which was perfect as my cycle closed XX/XX/XXXX. I continued to contact WF by chat almost daily and was told the same. As the date was closer, it changed to 10-15 business days from when the funds are released. Then today changed to XX/XX/XXXX ( claiming that is 10- business days since XX/XX/12 ). 

I was a Credit Card XXXX for 25 years so I know how important terms and phrases are so I clarified at each transaction. I made the minimum payment to ensure I did not fall deliquent. I have now incurred interest charges and daily continuing interest due to misinformation provided by Wells Fargo. 

On three occasions, I requested escalation and to speak to a manager. Only on the XXXX request was I told someone from the XXXX XXXX would reach out within an additional 2 days. Wells Fargo has not learned from the errors of their past and continue their deceptive practices. I should not be accountable for these fees after confirmning business vs. calendar days on multiple instances. Then the date changed from XX/XX/XXXX to XX/XX/XXXX. 

My request is to have this balance transfer be processed immediately and be reimbursed for interest accrued on the XXXX card. Had I been given proper information, I could have made changes on my end to ensure I was not accrusing interest. 

I am reporting this as I am certain this is happening to others and others may not be as well versed in banking and credit cards as I am.
Product: Debt collection

I never gave anyone my written permission that says in the law. I gave no one permission to put anything on my credit. I do not owe this company. I dont know this company. Ive never had anything to do with this company. my laws have been violated. I know my rights remove this from my credit report. 

1. ) Portfolios Recovery 2. ) XXXX XXXX account
Product: Credit reporting or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

It has been going on sice XXXX I have requested XXXX equifax and XXXX to help me none want to really help they say investigating issue never get to the issue and then they state its been verified with out any remarks or anything not even a written response I am run down already please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirires that I did not request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} XXXX XXXX account. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery has illegally re aged this alleged debt. They are reporting as an open account with an open dates. Which is a direct violation of the FCRA. I never entered into an agreement with portfolio recovery. I have tried to rectify this numerous times. They verify these accounts with the credit bureau but refuse to send me their verification methods. I asked them to provide me a copy of my I.D and social security card to verify that these accounts belong to me. They have not done so. I will be forced to make this a legal matter.
Product: Debt collection

XX/XX/XXXX, I received an alert on my credit report of a collection company, when I view my credit this company DIAZ & Associates have placed a payday collections in the amount of {$800.00} from some company named XXXX. Monday, XX/XX/XXXX I received a letter in my mail from DIAZ & Associates, acct # XXXX-XXXX, file # XXXX stating that I owe a payday loan to which I know I never did. So attempted to call this company at XXXX-XXXX-XXXX to ask information about this letter, the person transferred me to the manager XXXX. I asked him what was this and when was this acct generated. XXXX gave me the date of XX/XX/XXXX and I asked him did he have paper work with my signature, copy of my id, of how was this acct generated. XXXX told me he didn't have that information and could not give me the facts of how this acct was opened. But I told him that DIAZ & Associates was the ones that put it on my credit and XXXX said yes they did. XXXX stated that he would give me the number to this XXXX but then said he didn't have it but got really bothered when he felted as if I was being rude. But I told him I have a police report from being an Idenity theft person, he said it was to old. I stated how would you put things on peoples credit and not have all the correct information they are needing. I used a curse word and hung up on him.
Product: Student loan

I was approved by the Dept of Education for a federal loan discharge on XX/XX/year> due to the court case against the XXXX XXXX ruling there was misconduct, and I later read in a XXXX article that I should apply for the private loan forgiveness as well. My servicer Navient was trying to conceal this option ( they don't have this type of application on their website and the applicable check box isn't available when uploading the doc ). I found the application online through the article and applied with Navient and was denied. I called to ask about this, and they claimed I was denied because my loan was a consolodated loan ( with Navient ) and would never qualify for discharge. However, I confirmed that my loan was a Signature Student Loan ( with Navient ) before consolodating, and they said that type of loan would have qualified. Navient had pressured me to consolodate, claiming that I did not have another option, knowing that it would disqualify me for future forgiveness. They now will not give me further information, an appeal process, or anyone else to talk to. I think my loan should be eligible for discharge since it was determined by the courts and the Deptartment of Education as a case of misconduct, and because my loan was a qualifying Signature Student Loan with Navient until they pressured me to consolodate. It doesn't make sense and is not just.
Product: Debt collection

I receive repeated phone calls from Midland Credit ( XXXX ) at ALL hours of the day attempting to collect a debt that is not mine. I have read that Midland may be calling to resolve a debt owed by a relative of mine. While this may be the case, I do not have any joint credit with a relative that has ever been in default and do not want to continue to be harassed by Midland Credit for a debt that I was never a party to. 
Please issue a cease and desist order to Midland Credit from this unfair harassment practice immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts below. I have contacted the furnisher and credit bureaus a long with law enforcement about the unauthorized activity. I am requesting this information to be deleted and blocked per FCRA section XXXX Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of education XXXX {$3400.00} open date XX/XX/XXXX XXXX department of education XXXX XXXX {$1500.00} open date XX/XX/XXXX XXXX. 
XXXX Department of education XXXX {$4800.00} open date open date XX/XX/XXXX XXXX. 
Management support XXXX {$3200.00} open date XX/XX/XXXX Fraudulent addresses XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  la XXXX XXXX. XXXX XXXX XXXX XXXX apt XXXX XXXX Tx XXXX XXXX. 
XXXX XXXX XXXX XXXX LA XXXX
Product: Checking or savings account

I took out a XXXX loan from empower on the XXXX of XX/XX/2023. I received check on the XXXX of XX/XX/2023. The check was place on hold due to it being confirmed fraudulent. This is not true. In talking to 3 dif agents over the phone for wells fargo and my XXXX providers, empower, I was told that check couldn't be verified over the phone between the 2 entities. I took out this loan to keep my vehicle from getting repossessed which wells fargo is the auto financing company as well. I received an email from wells fargo immediately after filing complaint about misdirected funds stating my account will now be closed due to fraudulent check. All of this is incorrect information and I feel wells fargo is intentionally misdirecting my funds. They have caused me a repo on my credit now, over XXXX XXXX dollars I can't access and a lot of pain and suffering. Not even mentioning the time I'm having to take off of work to try and fix wells fargos incompetence. I am truly upset and very disappointed that as bad as our economy is, a national bank can take retaliatory actions against me from filing a complaint and calling them out for THEIR fraudulent activities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - showing my account was charged off but that's not true XXXXXXXX XXXX XXXXshowing my account was charged off but that's not true XXXX XXXX-showing my account was charged off but that's not true
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings On XX/XX/XXXX I wrote about a situation that occurred in my credit report with the XXXX account. I have indicated that the account that appears in delinquency that I have sent on several occasions is XXXX not XXXX who acquired my mortgage. It was sold in XX/XX/XXXX and a delay that they report as 90 days is XX/XX/XXXX. Every time I write it is a situation that affects my credit more with incorrect information. I have sent you my credit information from XX/XX/XXXX to XX/XX/XXXX without any response. My account has always been paid well.