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

My phone was stolen, and my PC drive went bad in the same week, so I lost my saved authentication methods. There is a process to validate your identity and regain access to your account by scanning your photo ID, etc. My photo ID says " XXXX XXXX XXXX XXXX ''. My account says " XXXX XXXX ''. There was no mention at the time of account creation that my account name had to match my photo ID. 

XX/XX/18 - opened Case # XXXX with phone support XX/XX/18 - I emailed coinbase to check the status XX/XX/18 - they sent me the same pre-written " your case has been escalated '' email, with no further instructions are projected date of resolution XX/XX/18 - they sent me an email with a link to verify my ID. This was extremely insulting, as the reason I opened the case is that their method of ID verification can not work when your name does not match your ID. 
XX/XX/18 - I called them, re-explained the issue and why the link they sent me is not useful, and they assured me " my case has been escalated '' for the umteenth time.
Product: Credit reporting or other personal consumer reports

The only name that should be on my credit report within this printed format is XXXX XXXX XXXX Stop placing my name backwards to commit inside fraud to mislead or misrepresent my personal information false inaccurate name is simply opening the door for fraud to occur and is fraud by employers and managers not verifying addresses before being placed on credit reports CFPD need to fire people of Experian for inside fraud the employee and manager entering in false addresses linked off of real legal property addresses to consumers credit report is fraud I have solid evidence my personal credit report I just disputed the false made up addresses when I filed the dispute in XXXX  Experian also refused to remove one other address XXXX is the beginning of the address on my account linked to an apartment of someone I know and have no contact with As a way to verify my Experian account without the consent of I or the other person this should not be allowed and is forced by Experian against my personal will rules need to be set to stop this usage to identify consumers
Product: Prepaid card

The Albert prepaID Card states that it pays 2 days in advance. But it doesn't it gives you the buddy Thursday morning around 2 AM.
Product: Credit reporting or other personal consumer reports

Hello, I need to help me eliminate this information from my credit because it is affecting me. 

Account Name : XXXX XXXX XXXX XXXX. 
Account XXXX Balance {$0.00} Account Name : XXXX XXXX Account XXXX Balance {$0.00} Account Name : XXXX XXXX XXXX XXXX Balance {$620.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$4800.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

www.bhabillpay.com XXXX sent me a text trying to collect a debt from XXXX for a company called XXXX XXXX I was discharged of all debts under chapter XXXX on XX/XX/XXXX, when I explained this to the caller he began to argue with me that he needed my attorney and his phone number, I told him he was violating the federal bankruptcy laws by trying to collect a discharged debt, he kept asking for my attorney which is irrelevant considering my attorney is no longer under retainer. I ended the call as the gentleman who had a thick foreign accent was not listening.
Product: Mortgage

Fraudlent AppraisalBreach of contractDenial of due process ( Arbritation ) Illegal accounting practicesIllegal use of Government Funds ( XXXX ) HFC lured Me into a loan agreement by overvaluing the residence by {$70000.00}. I was denied arbritation and taken to Civil Court. My contract stated if arbritation was requested by one Party the Other Party could n't seek relief in Civil Court. HFC would n't account for the large amount they recieved from XXXX and other charges applied to Mortgage.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Checking or savings account

I ordered food online, the restaurant I ordered my food from don't deliver in my area, so they voided out my order. I ordered from another restaurant and received food for second order, I never received my refund from the first order. Chime bankhas been giving me the run around and literally telling me that they don't see the transaction after telling me they see the transaction. Constantly put me on hold for hours with no one returning to the phone call
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a pending transaction on my credit card account. I rarely use the card and hadn't made any recent purchases, so I called to dispute it right away. The transaction was dated XX/XX/XXXX in the amount of {$100.00} and the merchant was XXXX. I've never even heard of them. I was told that I would have to wait until the charge was posted before reporting it, so I called back on XX/XX/XXXX after it was posted. They listed off XXXX phone numbers they had in their system for me, and only one is accurate. I asked them to remove the other number. They NEVER should have allowed a new number to be entered without notifying me in some way- I've never had that number so I certainly didn't enter it. 

They said the Fraud department would open a fraud claim within 5 business days and they would be in touch with me in that timeframe. I waited the time and then called back on XX/XX/XXXX when I hadn't heard back from them. I was transferred to so many people and nobody was willing to help me with a resolution. One of the representatives told me she escalated my complaint and I should hear back from the Fraud department within 5 business days ( again ). I also decided to send an email to their customer service on XX/XX/XXXX with my complaint, and all they could do is tell me to call the customer service number. I waited the 5 days again and then called back on XX/XX/XXXX. I was transferred to every department, and nobody could provide an update on my claim or assist me with next steps. Most representatives wanted to transfer me to Card Services, but every time I talk to them they inform me that they can only issue a new card ( I had XXXX sent during my first phone call with them ) and they don't actually deal with fraud claims. But the representatives wouldn't listen when I told them to stop transferring me to Card Services. They wouldn't let me talk to somebody in charge and nobody would provide an update on my claim. Overall, I have called them XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and emailed them XXXX times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and have received absolutely no assistance. I do not want to pay for an unauthorized transaction ( which is my right as a consumer ) but they will not help me with this.
Product: Credit card

I previously submitted a complaint to the CFPB regarding Discover Card. They did not address the issue mentioned in complaint. Specifically : I called Discover on XX/XX/year>. They told me that my bank charged them a fee of {$14.00} so they are passing the fee on to me. This is an outright lie. See chat transcript from my bank from today. My bank states there was never an attempted ACH charge to my account during the entire month of XXXX, 2024. The bank further states they know of no fee charged to my credit card and they also there is not a fee that would have been charged for any failed ACH. Discover is defrauding me of XXXX as Discover was never charged a fee. Discover is trying to collect on a merchant charge that I have disputed. I asked Discover on the phone to provide proof that they were charged this fee. They refused to provide any proof. 

CLEARLY MY BANK NEVER CHARGED DISCOVER A FEE IN FACT MY BANK HAS NO RECORD OF ANY RECEIVING ANY CHARGE OR ATTEMPTED CHARGE. CLEARLY DISCOVER TOLD ME THAT THEY HAD TO CHARGE ME A FEE BECAUSE MY BANK CHARGED THEM MONEY. THIS IS NOT TRUE. SO WHY IS DISCOVER CHARGING ME FOR SOMETHING THAT COST THEM NOTHING ALL WHEN THE MERCHANT CHARGE IS DISPUTED? 

The response to CFBP says that on the XXXX of XXXX Discover found that the charge did not go through. Discover has my phone number and email. Discover never called me to tell me there was a problem of which they should have done immediately on the XXXX of XXXX. That would have been the right thing to do. Instead they made up a story that they were charged a fee from my local my bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report, not proof of verification was sent to me as proof that these accounts belong to me. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX. I demand that you remove these accounts from my credit report. I am trying careful notes and will have to file a sue if the accounts are not removed. This has cause me great XXXX, stress, and financial hardship.
Product: Credit card

I served in the XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX, I am also a XXXX XXXX who lives on a fixed income. 

XXXX XXXX came to my home to sell me a XXXX XXXX  on XX/XX/XXXX. I agreed to purchase the window. Per our verbal conversation XXXX told me that the window would be installed before XX/XX/XXXX even though the contract stated 125 days. 

I paid for the window on XX/XX/XXXX. XXXX in a text told me the installation would take 90 days give or take a few days. 

I showed XXXX the condensation coming through my window. As time went on my window started leaking badly. 

I received an incoming call XXXX XXXX, from XXXX 's XX/XX/XXXX, and XX/XX/XXXX, at XXXX and XXXX XXXX. The incoming call on XX/XX/XXXX, the lady stated she did not know when XXXX 's would be able to install my window. I asked for a refund, and she said there will be a restocking fee. I stated why am I charged a restocking fee if you can not install my window. I am stating I am not refusing I only want my window installed. I left it as that. 

On XX/XX/XXXX, XXXX XXXX called me and requested I give him my XXXX credit card number. I said, why do you want my credit card number, I have already paid for the window and installation. XXXX promised me I would not be charged, I requested XXXX to send me an email stating I will not be charged any charges on my credit card. XXXX sent me an email stating I would not be charged ( XX/XX/XXXX ). XXXX called me back and stated I sent you an email stating you will not be charged. On XXXX, XX/XX/XXXX, I received an email stating I would be charged {$580.00}. XXXX has continued to mislead me in every way. I originally was told the window would be installed in 90 days in a text message. As of todays date, the window is still not installed. 

XXXX talks to me like I am not educated. I feel aggravated when I receive his phone calls or when he texts me. He continues to lie to me. He is very misleading. I really feel discriminated when I talk to him. He specifically told me it would take 90 days to get the window installed. I served this country for XXXX  years, I didnt get where I am today lying to people. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I have submitted a few complaints on serves trying to fix my life after Identity theft, these operations I put my whole life in to would not stop people from accessing my accounts, I have a few questions that really concern me, I was selling on XXXX my kids where young I closed my Auction House in Colorado of 7 years, went online XXXX was new payment where mailed and Paypal came along, I said how cool is that email money so I signed up and opted in to the stock options don't the 10 % of my sales went to it all was great fast payments, then they started with Holding money taking money out of account making other bills bounce and you could not do a thing. Anyway a few years later they did something I'm still trying to figure out those options disappeared and there was purchase % that u got back just like all card do. What happend to my stock options?? Now for the main thing I'm working with FTC following my recovery process and PP called them 8 mo 6 mo 4 mo, and also when it went on in XXXX of 2016 my primary email XXXX was having hackers taking it over I lost control of it so I switched to a XXXX I also moved in with my GF I change it all on PP. Any way The hackers crashed my site on XXXX 15000+ 100 % top rated. I told them to help me and it was not me doing all that bad service, The crooks were changing my shipping address and my ship out times and passwords it was a nightmare PP put dual security I thought good did not help one bit. The text with the code would bounce out before I could read it, So their bright idea was to lock me out. They left everything selling, I would see it sell and customers would pay so I would shop it out, Then I was contacted by a long-time customer asked what's wrong? I said what do you mean. He said he received a letter XXXX they sent it to all my customers I'm taking thousands the letter stated that I was selling outside of XXXX as parameters which I was not it's not true!! then all the customers started returning the products they didn't come to my address they went elsewhere? XXXX? I moved my address was updated to XXXX customers called me and said they were starting a return and not sending the product back and they got to keep {$520.00}. XXXX XXXX nothing I could do I closed I disconnected Paypal and left my balance in the +, I'm supposed to be protected I know all about online safety after 25 years. So I heard. im 4000 or more in the red they were selling on my account after I closed, I made police reports and begged for help I just lost my only source of income and Every time I called in it was 4 hours and no help. I lost everything I had built. Now they help can't get a 1099-k 8 months ago and asked every time still sending it to XXXX I told them where I live, people calling in pretending to be me and getting my money and things Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX  XXXX, XXXX  no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD - There are multiple errors in the listing that are damaging to me including high credit, date last of activity and a date of last payment. Please update for lawful accuracy or delete immediately.

JPMCB CARD - This company has illegally re-aged this account. Please investigate thoroughly and update for lawful accuracy.

JPMCB CARD - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

I requested a validation of debt. They failed to give me the information, so they just close the account, but didnt remove it off. They said that they couldnt remove the collection off my credit, but they closed it. The original creditor is XXXXXXXX XXXX XXXX The debt price was XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the recent reporting of a late payment on my mortgage account with XXXX. This reporting has resulted in a significant drop in my credit score of XXXX points, adversely affecting the creditworthiness I have worked diligently to improve. I respectfully request that this late payment be removed as a gesture of good faith due to extenuating circumstances explained below. 

In XX/XX/year>, I enrolled in a deferred XXXX mortgage program while my mortgage was held by XXXX. This program, approved in writing, stipulated that I would not need to make payments for XXXX and XX/XX/year>, with reduced trial payments of {$1800.00} starting in XXXX. Upon completing the trial period in XXXX, XXXX, and XX/XX/year>, the deferred program terms would permanently modify my mortgage to better suit my financial recovery post-XXXX. 

Unfortunately, my mortgage was transferred from XXXX to XXXX XXXX  during this process. Despite my adherence to the deferred payment plan and making the specified payments on time, a late payment was reported by XXXX, in what appears to be an error or miscommunication stemming from the mortgage transfer. I have documentation confirming my approval for the deferred program and payment terms as stipulated. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my financial activity. I believe that reporting this as a late payment does not align with the agreed terms of the XXXX relief program, as I had no outstanding obligation for the months specified by the program. Additionally, per guidelines for XXXX financial relief programs, lenders are advised to avoid penalizing participants in good standing. 

In light of the above, I kindly request that you remove this late payment entry from my credit report as a good-faith correction. I am committed to maintaining a strong credit profile and have actively sought assistance to prevent adverse reporting. This removal would assist me in reaching that goal, allowing me to continue rebuilding my financial standing post-pandemic. 

Please do not hesitate to contact me if further information or documentation is needed to complete this dispute. I am more than willing to provide all necessary documentation to support this request. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had XXXX XXXX showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XXXX of XX/XX/XXXX and they still are illegally reporting this as a closed account with a negative balance.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX charged my BBVA Compass XXXX card {$170.00}. The correct charge should have been {$59.00}. I contacted XXXX immediately. The customer service representative told me nothing could be done. On XX/XX/XXXX, I filed a dispute with BBVA Compass alleging fraud. The complaint number with BBVA Compass is # XXXX. I asked that the full amount of the charge be reimbursed and the 4 ( {$38.00} ) overdraft fees. On XX/XX/XXXX, I filed a complaint with the police. On XX/XX/XXXX, I spoke to the customer service department at XXXX regarding the police report and my intention to file a CFPB report. The customer service representative was able to refund the fraudulent amount. On XX/XX/XXXX, I contacted BBVA Compass to inform them that the refund was issued. I asked that the four {$38.00} overdraft fees be reimbursed as they were the result of a fraudulent charge. BBVA Compass refused to reimburse the fees even though if the fraud had not occurred, none of the fees would have been charged to my account. The customer service representative at BBVA Compass stated he could only refund {$76.00} of the {$150.00} because my account is less  than a year old. I explained that the fees were a result of a fraudulent transaction. The representative refused to refund the remaining {$76.00}.
Product: Mortgage

Purchased home for {$39000.00} in XX/XX/XXXX. Refinanced in XX/XX/XXXX, victim of predatory and subprime lending practices. Paid mortgage for 12 yrs., eligible and received HAMP modification with XXXX then mortgage was sold to investor group ( s ). I continued paying even while mortgage servicing change to 3 different companies. Mortgage debt amount forgiven on ( - {$44.00} ) in XX/XX/XXXX. New Servicer : Select Portfolio Servicing ( SPS ) has mortgage with a balance of {$35000.00} with a mature date of XX/XX/XXXX! I have little equity, even though I have been paying off mortgage 22 years! do I have ANY recourse? What should I do short of foreclosure? Mortgage Holder : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX., XXXX XXXX , NY Select Portfolio Servicing ( SPS ) XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX Loan # XXXX
Product: Checking or savings account

I WAS AWARDED XXXX DOLLARS FROM AN CAREER ENDING ACCIDENT WITH XXXX  XXXX AND XXXX AND XXXX. 
I PUT THE MONEY IN CITIBANK IN A VARIABLE ANNUITY. 
THAY THE BANK REMOVED XXXX DOLLARS AND IT RUINED MY RETIREMENT ACCT AND MY XXXX PENSION FOR THE LAST 15 YRS IN 2004. 
I HAVE CALLED AND REPORTED IT TO CITI BANK AND WRITEN SEVERAL TIMES TO THEM ALSO TRIED TO CONTACT ATTORNEYS TO NO AVAIL.