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

Someone had gained access to my coinbase account and gained access under unauthorized reasons. I reported to coinbase however they restricted my account and are not allowing me to make a new one. This had been done in XXXX / XX/XX/year> under Case # XXXX with Coinbase support. They did not provide any further information and are not allowing me to create an account using my own identity
Product: Checking or savings account

XX/XX/year> - Bought tickets through XXXX XXXX and messaged XXXX XXXX that I was interested in buying tickets and got scammed {$400.00}, this was 2 separate payments of {$200.00} through XXXX with the same person named XXXX XXXX. 
XX/XX/scrub>XXXX XXXX XXXX - I called Navy Federal Credit Union to report this scam and talked to a lady who asked if this was because of good and services that was not received and I said yes. She immediately said we can't do anything about it. I was devastated during this time so I did not have anything to say as I was not aware how to handle this situation because this is my first time getting scammed. 
XX/XX/scrub>XXXX XXXX XXXX - I requested money back from the recipient of {$400.00} through XXXX and they declined it at XXXX XXXX 
XX/XX/scrub>XXXX XXXX XXXX XXXX I filed a complaint through Federal Trade Commission to support this situation for when I called Navy Federal Credit Union again. 
XX/XX/scrub>XXXX XXXX XXXX  - I filed a complaint through Federal Bureau of Investigation to ramp up the gravity of the traumatizing situation I'm in. 
XX/XX/year> XXXX PST - I emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of this university and so does the scammer and the private XXXX XXXX where she had posted the tickets to scam people is connected through the university. 
XX/XX/scrub>XXXX XXXX XXXX  - I called Navy Federal Credit Union Fraud Department once again to report this fraudulent charge and asked if I can file a claim, the guy said that I can't dispute this because this is through XXXX and explaining that it's just like cash repeatedly. I mentioned that I already filed a complaint through FTC, FBI and Local Police and I was trying to see if Navy Federal can help with this situation and he repeatedly said no and apologizing that he can't do anything. I asked for someone else to help me with this situation and he did not transfer me and said that can he can help me all day long but this is the right department. I mentioned that this is technically a type of fraud and he said " no, fraud is when you're sleeping and someone had done something to your account. It's dishonest, but not fraud. '' I think that is unprofessional and not helpful at all because I have never been scammed money before and I have a clean record of my bank history and to not even be offered any help to resolve this traumatizing situation and help with reimbursing options is unreasonable.
Product: Debt collection

XX/XX/2022. Opportunity to cure was sent to the debt collector. Even though they turned the account back over to XXXX, they never sent validation of the alleged debt, pursuant to 15USC 1692 I never gave NATIONAL ENTERPRISE SYSTEMS permission to communicate with me concerning the alleged debt, and the company still violated my consumer rights. NATIONAL ENTERPRISE STSTEMS is still in violation. I hope that we can reach a valid resolution.
Product: Checking or savings account

My direct deposit with Capital One was supposed to arrive on Wednesday afternoon. As of Friday evening XXXX EST, my direct deposit has not arrived yet. The delay with my direct deposit has caused my autopay to incur late fees as the direct deposit funds I was to use towards autopay has not hit as it was scheduled.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed MOHELA is reporting student loans on my credit report as duplicates and I am not responsible for this error and would like this information corrected as soon as possible as it has affected my credit score and ability to move forward with my life decisions and purchases!!! I am submitting this complaint with your company as a reference to do my due diligence to correct and remove this matter!!!! I have asked them to provide me with authenticated documentation which they have not!! This is morally devastating and wrong to all citizens being vastly affected!!! I want an outcome and a favorable one at that!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXXXXXX 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: Credit reporting or other personal consumer reports

There are XXXX accounts reporting negatively on my credit report from OneMain Financial. This account number is listed for XXXX accounts with different balances : XXXX. XXXX balance is {$9300.00}, and there is another account with this same account number with a balance of {$9400.00}. 
Both accounts have the same account number, however they have XXXX different balances. I called OneMain Financial on XX/XX/XXXX, and spoke with XXXX in the " fraud '' department and asked for validation of these XXXX accounts. I was advised that XXXX account was from XXXX, ( which is well over the age of reporting ) and the other account she did not have any information for. I informed XXXX that I did not open any accounts in XXXX and I was in the military stationed away at that time and could provide documented proof. I also sent a certified letter to OneMain requesting validation of these XXXX accounts. Proper validation of these XXXX accounts have not been done. I received a letter on XX/XX/XXXX, from OneMain stating that these accounts were verified as accurate with no documentation provided to me as I requested in the letter. These accounts are not accurate and OneMain has failed to provide me with proper documentation regarding these XXXX accounts which are impacting my ability to qualify for a VA loan. I have also sent a certified letter to the credit bureaus requesting full validation of these XXXX accounts in addition to sending a letter to the VA Attorney General 's office. This company has failed to comply with the FDCPA and FCRA and is reporting information to the credit bureaus that are adversely impacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with XXXX, XXXX and Transunion. XXXX XXXX  has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

XXXX, XXXX and Transunion was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXXXXXX XXXX false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.
Product: Debt collection

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information to validate the debt, you are by law required to delete all entries off my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize, please delete asap as they are affecting my life
Product: Credit reporting, credit repair services, or other personal consumer reports

THE NAMES AND ADDRESS THAT ARE LISTED ON MY CREDIT REPORT ARE INCORRECT AND DOES NOT BELONG TO ME.
Product: Credit card

On my credit card I had XXXX charges from XXXX for XXXX on XXXX/XXXX/2015. XXXX said they never billed me XXXX times and this was a mistake on Chase 's side. XXXX recommended I do a chargeback, which I then did. 
Chase just denied my chargeback saying that XXXX did provide the service provided. This does n't make sense as XXXX states they only charged me once, not XXXX times. 

This is from an email exchange with XXXX : No XXXX XXXX, We did n't bill you XXXX times. 

XXXX
Product: Credit reporting or other personal consumer reports

My wallet was stolen a while ago and it contained all of my personal information which included my identification card and social security card. My credit has been misused so much and I have filed countless disputes which lead to nothing being resolved. Eventually I was forced to file Bankruptcy thinking it would come off my credit. Now I have a Bankruptcy to add to the fraudulent accounts on my credit. I even filed a claim with Equifax when my information was breached. My end result with that was nothing as well. I just want these fraudulent account deleted off of my credit. This is effecting myself so harshly. There is XXXX accounts from the same exact company. I've contacted them and filed a dispute with bureaus countless of times.
Product: Debt collection

I have received several calls and voicemails from a robocaller claiming to be XXXX. The voicemails do not indicate a connection to any medical service I have ever used. Additionally I have no outstanding medical bills and thus none which should be in collections. The calls and voicemails seem to be a scam trying to gain personal information. According to other reports online of the phone number others also believe XXXX to be a phishing scam. For these reasons I have not answered the calls or spoken with XXXX   directly. I have blocked the number but the same robocall voicemail keeps being left.
Product: Credit card

I opened a credit card account with Navy Federal, as I am a XXXX XXXX VETERAN. I fell on hard times in XXXX. I recently contacted Navy Federal and was told if I paid the collection account, I would be eligible to open a new checking account with Navy Federal. I contacted the collection agency. I was told that they had closed out my account due to the statute of limitations. They, the collection agency, sent me and NAVY FEDERAL a letter indicating that the collection account had been closed. I reached back out to Navy Federal in XX/XX/XXXX, and was told by the representative that I would NEVER be able to re-establish the relationship, because Navy Fed had not been made whole. I just want to pay my debt and re-establish my relationship with Navy Fed.
Product: Credit card or prepaid card

Opened credit card acct with retailer ( that has their accounting serviced by an outside bank ) to make a purchase that day which totalled {$220.00}. It is the only purchase ever made. Many months went by but I never received a credit card or bill. I did some research on-line. I made several attempts to set up the on-line acct process but was met with error msg after error msg. Finally I got it to go through. At that point, the acct was past due so I also owed a late fee of {$29.00}. I made the required payment of {$37.00} on XX/XX/21. The late fee was credited back to my acct. By the time I went on-line and discovered that my acct had not been set up properly, the next billing cycle was upon me. I received no bills prior to the XX/XX/21 bill. As a XXXX senior on a small fixed income, I was unable to make another payment so soon after paying the {$37.00}. I called in about the bill & the errors the clerk made ; I never received the store credit card and I hadn't been getting any bills. I explained all that happened due to this clerks errors, made the scheduled payment ( less the late fee ) and asked if the late fee of {$40.00} could be credited back to my acct since the errors and omissions were due to circumstances beyond my control. I was told it would be taken care of. The next month, the fee had not been credited so another later fee of {$40.00} was charged to my acct. I have been paying the scheduled payment on time every month ( less the {$40.00} late fee ). So, every month they charge my acct with another {$40.00} last fee... which are snowballing ( pyramiding ). This is exactly what's described in : FTC Act Reg. AA & 16 CFR section 444.4 ( a ). My total debt was just {$220.00}. I have paid {$220.00} to date. I realize I owe a reasonable amount in interest ; estimated at {$5.00} per month. They show the balance due on my acct is {$230.00} ( includes 5 months x {$40.00} late fee ). As stated, I called initially. Since then I have written every month when sending in my payment. I just sent a letter with an audit I did of the acct, It had to have been received before the bill I just received. I got no reply. And I am at the point where I am not willing to make any more payments.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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, credit repair services, or other personal consumer reports

I open this account with XXXX XXXX in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with XXXX XXXX and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation
Product: Mortgage

Shell Point Mortgage placed us into forbearance without permission. We fought with them to remove our account as we didnt ask to be placed into forbearance and are current on our payments and have ordered them to remove us from forbearance assistance status. This has been a nightmare! We didnt ask for help, as they took this upon themselves to pace us in this category on their own. We have a letter stating that we are not in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have not investigated the accounts nor removed accounts that I listed as a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to dealer to go purchase my new vehicle. I had my own financing from my credit union at 2.25 %. I still had to present a purchase order from the dealer, so my loan could be finalized and they gave me a paper to fill out which had my information. The financial lady comes up to me and tells me that their dealer can get me in at 3 %, and i obviously declined because i was already happy with my own financing. Ok we finish the paperwork and i get my vehicle and im pretty happy about the purchase. But then thats when i see on my XXXX app that the dealer had ran a hard inquiry on my credit. They absolutely did not have my consent nor did they tell me they were going to run it. Why would i even want them to run my credit when i already have a great APR, from my credit union, knowing that they are not going to be able to match it. This was extremely unprofessional of them, and i certainly do not appreciate it.
Product: Checking or savings account

USAA Bank with which I opened a checking account for the first time on XX/XX/year> kept freezing my account on a daily basis for a week. I made the checking account as my Direct Deposit Account. Today, on XX/XX/year> I needed to withdraw the money and I was told my account has been frozen without explanation. 

I need access to the funds that were directly deposited into my account as they represent my wages. I've been told the account is being closed and the money may be mailed in 60 days, but I urgently need access to my payroll today. 

I formally requested a cashier 's check or withdrawal of the balance. The bank refused me. This is my legally earned payroll, and under federal law, wages can not be wrongfully withheld. Thus, I am escalating this matter to the Consumer Financial Protection Bureau, seeking legal help within the financial institution that I work for and contacting the Office of the Comptroller of the Currency.
Product: Checking or savings account

wells fargo denied my claim of XXXX dollars for a coming out of my account theres been multiple charges a day and theyre telling me i made em i have no XXXX receipts or nothing thats shows that i made those transactions. i keep getting completely different responses from the bank and even my claim has transaction i didnt even report i dont feel like this is being handled correctly and would like some help to resolve it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I regret to inform you that my Navy Federal Credit Card was erroneously closed due to the discovery of TIL and Regulation violations. The account closure was caused by billing errors, which I believe were beyond my control. Furthermore, I have reason to believe that some of my accounts at Navy Federal, which were previously reported as closed, are still open. However, I am confident that the FDIC will cover any negative balances that may arise from these accounts. I appreciate your attention to this matter and look forward to resolving it in a timely and efficient manner.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and these accounts and inquiries were made without my authorization. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$5900.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$12000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$11000.00} Fraudulent Inquiries to Be Removed : XXXX. XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX OF XXXX Date : XX/XX/XXXX
Product: Debt collection

the debt show on my account as derrogatory on XX/XX/2023 from an XXXX XXXX XXXX XXXX, the collection company was XXXX XXXX XXXX.I never receive any type of letter from XXXX XXXX or XXXX XXXX XXXX before XX/XX/2023 about this debt.I never had the right to dispute this debt. I lived at the same address for the last 22 years.My address has been XXXX XXXX XXXX for 22 years.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX I did not give written permission to have these accounts furnished on my credit report by Experian. A want these accounts removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'am currently in the process of obtaining a home loan and I am experiencing allot of trouble with getting info regarding my credit report for Equifax. I 've sent over my personal info such as driver license, social security, pay stub, and XXXX forms to show documentation showing that I'am who I'am. I 've spoken with reps at there office numerous times and also had my info faxed over as of recent. I faxed over that info on X/XX/17, and sent overnight on X/XX/17. I was told that after I did this I could gain access to credit report. Now I am being told that it will take another 30 days to investigate and made corrections, I was mislead to believe that i would get info in shorter time after i was told i would have access to my report. There saying that there i'sent anything on my file when i do have credit and my mortgage company has other 2 credit reports from the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Product: Credit reporting or other personal consumer reports

There was a security breach, and my information was compromised.with chase bank.