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

Hi on XX/XX/2021 my Coinbase account was hacked using a SIM card swap. Whoever gained access to my cell phone number, was doing change my password and verify with my cell number. However they disconnected my phone and all my texts were going to them. I disabled my coinbase account and verified my account and was able to get back in two days later. However, these hackers still had access to my phone number which I did not know at the time. They were waiting for the verification process to go through to try again at hacking my account. After coinbases verification process they were able to get me out of my email completely and back into my coinbase account. I ended up canceling my service provider and getting a new phone number. My problem now is that coinbase is not allowing me back into my account. I can not get into the account to change my phone number OR verify my identity. I get an error message saying account disabled contact support. I have around {$5000.00} in there. When I email them they say a specialist is  working on my case. Ive learned through XXXX that no one is working on my case. I desperately need help. I want all of my money back or at the very least access back into my account so I can withdraw all of my money. I had absolutely no idea they were enabling hackers ( they cant void transactions, have no idea where money goes when its been sent, dont answer emails or have a phone line ). Im praying you guys can help me.
Product: Checking or savings account

I have a Chase saving and checking, and I use them mainly online. Today I was required to read and sign to accept accept a 10 page document and a 124 page document before I could go on line. 

In essence they forced me to accept the documents before I could even sign in. I enjoy Chase and the services have been very good. But I can't read and absorb the document before I do my banking for an immediate need tonight.. 

I need to do some business with them tonight, but that is currently impossible due to their demands to sign an agreement that I have not read nor have time to read. 

I think this is unfair and not an appropiate way to force a signature almost under a mild form of duress- sign or do not use the account right now ( or for the foreseeable future? )
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2020 we received a PayPal notification of 2 transactions at XXXX of {$990.00} and {$1900.00} that were unauthorized and we IMMEDIATELY contacted the company to dispute charges. PayPal responded at XXXX the same night that no fraud was detected, though we just told them that transaction was not us. Then we contacted our credit card company with XXXX XXXX  and they conducted an investigation as well on XX/XX/2020 Dispute ID XXXX with the disputed amount of {$2900.00} and on XX/XX/2020 we received a final Determination letter that our claim was denied because they were unable to confirm with the merchant that the disputed charge ( s ) are valid. If we wish to dispute matter further to contact the merchant directly. 
PayPal only was able to share a name and email : XXXX XXXX XXXX. I researched the sellers email XXXX and it did lead me to a XXXX XXXX possibly at XXXX XXXX XXXX XXXX, XXXX, TN XXXX yet the website XXXX says the seller is also XXXX of an alleged product XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX items and XXXX   XXXX XXXX XXXX XXXX XXXX have no idea what that is or what that means. Nevertheless, I contacted the seller to find out where they sent the product or any information on the buyer, yet without response. We opened several resolution disputes with PayPal as well : Dispute Case ID : XXXX and XXXX
Product: Debt collection

I received a phone call at my mother 's home, on her answering machine. It was an automated call, looking for me, about collections. I have nothing in collections. A week later I got a letter in the mail demanding I pay {$52.00} to " Credit Protection Association L.P. '' because XXXX XXXX turned over a debt to them. I do n't owe XXXX XXXX anything and my name is NOT on the utility. This is a fraudulent attempt to collect money I do not owe.
Product: Mortgage

We have struggled since covid occurred. We went into a forbearance, and worked through that. I lost a well paying job in early XXXX of XXXX  and could not pay the mortgage. We fell behind three months and requested assistance. We were told that there was a modification available and that it would lead to a higher amount that would need to be paid. In order to save our home, we signed the modification paperwork and returned it to our lender. I had reached out to other options to help with trying to make our payments and were shut down completely because of the late payments and the lenders constant hits to our credit. There seems to be no way to dig out of the hole. We have tried to escalate the issue with the lender but do not get any answers, while being told that we will hear from someone about out situation. We submitted the modification paperwork in XXXX XXXX and since that time have called 5 or more times trying to get any kind of assistance to lower the monthly paymnet.
Product: Credit reporting or other personal consumer reports

I sent of dispotes about inaccurate reporting on my report and i never received investigation results.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : Id like to bring to your attention the following errors in my credit report. I am hoping to get some assistance from the CFPB, in accordance with the Fair Credit Reporting Act. Id like to request the deletion of these inaccurate accounts that are having a detrimental impact on my credit score and resultant interest rate costs : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, account ending XXXX ( a ) Account Status should show Closed ; was paid as agreed ( b ) Available Credit {$0.00}. No late payments. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Duplicate account, and covered under number 1 above. 
( b ) This account was not Charged Off. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

3XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$150.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

4XXXX XXXX XXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$200.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

5XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$450.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

Thank you for your attention to this matter, and feel free to reach me by phone or email. Based on your determinations, Im happy to follow up with XXXX XXXX XXXX XXXX XXXXXXXX as well as the credit reporting bureaus. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act -Child Support XXXX. XXXX Account # XXXX, has violated my rights. 

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

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

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Checking or savings account

My identification card and debit card were stolen. I have no information on who would do it. The deposited fake checks using my PIN number. Unfortunately my pin was able to be compromised because it was easily accessible through my identification card. Now Im on the hook for {$16000.00}. Theres no way I can pay this off because 1 ethically it wasnt me and 2 i dont have that type of money sitting around. I feel this is unfair and solely being accused cause it was my pin. Theres no explanation on how they got my pin.
Product: Checking or savings account

On two prior, recent complaints tot the CFPB, I asserted that Optum Bank does not provide a way for customers to reach representatives in the USA. The responses from Optum Bank stated that I have the right to speak with US representiatives and would able to reach US representatives upon request. Therefore, I called Optum Bank again several times and every time I was told that the only way to reach a US representative was to request a call back. For example, I requested a call back on XX/XX/year>. No representative every called me back. My telephone system logs every incoming and outgoing call and there have been no calls from anyone at Optum Bank. 

Today I called Optum Bank again and requested to speak with a US representative and also inquired about the disposition of my XX/XX/XXXX request to speak with an Optum Bank XXXX. Neither the rep with whom I initially spoke today nor her supervisor could provide the disposition of the XX/XX/XXXX request. Furthermore, as usual, the reps were located in an incredibly noisy call center that made it difficult for them to hear me. 

With knowledge of and permission from the reps, I recorded today 's call. The recording can be heard at : XXXX XXXX XXXX  Any intelligent person who listens to the recording will agree that Optum Bank has no intention of allowing customers to speak with US representatives XXXX 

The Optum Bank reps confirmed that they have no way to transfer callers to the USA. Optum Bank will not provide a phone number to reach US reps. Even upon request, Optum Bank 's responders to CFPB complaints do not provide their phone number. At best, they provide an email address and they do not reliably respond to emails. Furthermore, when they do respond, they responses are often incoherent or do not address the complaint. 

It is abundantly clear that the Optum Bank customer support process is designed to fail.

The CFPB should fine Optum Bank for deceptive trade practices and for failing to provide customer service that meets US banking standards.
Product: Student loan

This is my second complaint against this predatory company. XX/XX/XXXX I received a notice that my loans were in forbearance and no payment was due since my XXXX application was still being processed. 

XX/XX/XXXX I received a notice that a payment is now due XX/XX/XXXX. This is conflicting information and predatory! In my mind I have no payment due based on the information they provided then the next week I have almost XXXX dollars due! And you tell me 6 days prior? Not to mention, the amount is never the same, it changes drastically each month. 

I called Mohela on XX/XX/XXXX to sort this out and it was placed on hold for 2 hours! Then, their system ended the call in the middle of my holding. So, I called back and this time I opted for a callback. I made sure my phone volume was high and that my phone was not on vibrate in anticipation for this call.

10 minutes went by, and I see I have voicemail, no missed call just a voicemail from Mohela saying they tried calling and couldn't reach me! Funny, I was on hold for 2 hours and no one answered but " called '' me back within 10 minutes. 

This is frustrating, they are expecting a payment but are not reachable.
Product: Debt collection

I received a call from the company on Thursday XXXX XXXX 2016, at approximately XXXX. I then blocked my phone number and returned the phone call at approximately XXXX on Thursday XXXX XXXX 2016. I first seemed to reach an operator/receptionist who then transferred me. I advised the representative ; " I received a call from this number earlier. '' The representative only asked for the phone number and the name along with nothing else to verify my identity. The representative never asked for the account number, last name, last XXXX of the social, mailing address or any identifying characters and just assumed that it was me by giving just my first name. The representative was very rude and when I told her ; " if I had the money to pay it. '' Then she asked the same question and referenced me using a major credit card to take care of the debt, I advised the representative the same answer as before and the representative gave me what seemed to be a ; " Hhhhmmm chuckle, '' which seemed very rude and unprofessional. I then asked to speak to the Supervisor who failed to identify her title, which I then had to question. When asked to speak to the supervisor/manager I was asked ; " if there 's a problem with the call. When I spoke to the supervisor I then advised her the situation of the representative and I asked her how that she would like it if we switched roles and my representative did it to her. She kept avoiding the question and then I demanded her to supposedly answer the question of how she would feel of that associate if she was in the customers role position. The call basically got disconnected as she was rude. The spelling on the paper mailed to me was misspelt and they added me as I had XXXX initials.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I reached out to Experian to dispute the information below. I have not received a response. 
1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The status is incorrect for the following account XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

On XX/XX/20, Experian replied to a complaint filed with the CFPB stating that the complaint was closed because they did not feel it was filed by me. I submitted copies of my social security card and proof of address. At no point has Experian made an attempt to contact me for any additional information. This response seems to be a stall tactic for them to avoid complying with the law. This is a valid complaint filed by me, and I demand that this complaint be investigated pursuant to section 609 of the Fair Credit Reporting Act, which Experian is currently in violation of. I will forward this complaint and all correspondence to the Maryland State Attorney General for Experian 's violation of this law. 

I have filed three complaints through CFPB for this same issue with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX having issues with the updating system ( from XX/XX/2022 to Approximately XX/XX/2022 ) for all of their store cards and not reporting for several months, they were finally able to confirm my XXXX Card account was indeed still open, although it showed closed by the creditor on all 3 major credit bureaus. 

I then proceeded to dispute the information on my credit report with each bureau, not one ( results posted XX/XX/XXXX ), not two ( results posted XX/XX/XXXX ), but three times including requesting reinvestigation ( XX/XX/XXXX ) AND uploading current billing information which showed the status of the account as open, never having been closed, and used in the time it was reporting as closed. The results keep saying the account is updated to : closed by credit grantor which is UNTRUE. THEN when trying to at least add a statement to this fiasco until it is appropriately resolved, I am only able to select pre-worded statements by Experian, none of which suit the situation. Therefore leaving me unable to at least note the account is still in fact OPEN. 

While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings. 

As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given Experian MULTIPLE opportunities to fix the issue, it is obvious they do not even ATTEMPT to investigate. 

Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against Experian.
Product: Mortgage

UNAUTHORIZED INQUIRY INTO MY FILE. 
NOT PROVIDING FACTUAL RECORD.
Product: Debt collection

I've never done business with this debt collector. It has 2 different names. It seems suspicious and I don't owe the credit card owner due to being paid off through insurance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX corporation reporting in Inaccuracy information on my credit report I have reached out and ask both parties to remove and stop reporting false information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Transunion is in violation of 15 USC 1681a ( e ) which states that a consumer report which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. Transunion NEVER did such interviews with any neighbors, friends, etc.

Transunion is in violation of 15 USC 1681a ( 2 ) ( B ) which states that the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card pursuant to 15 USC 1602 ( l ) means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This only a few violations that states how Transunion violated me as a consumer.
Product: Mortgage

on XXXX XXXX XXXX I requested federal disaster relief from Wells Fargo the loan services on my XXXX XXXX Harp refinance. Wells fargo told me XXXX XXXX loans do not qualify and said they would investigate and see if there investors would allow this. They still have not answered 100+ days later. nor have they answered my two previous CFPB complaints other than to ask for more time. They then refused to post the payments i was making. They are lower than pond scum and belong in prison. both XXXX XXXX executive resolution specialist and XXXX XXXX Sr. VP refuse to return my calls. I hearby request that you fine them and ban them from servicing loans. There refusal to comply with the federal disaster declaration has cause undue financial stress, and resulted in a number of over draft charge from my banks when i was trying to comply. There actions mean I ca n't afford a XXXX  tree nor any presents for my family. 

Please inform them that there actions are not only illegal but immoral and ban them from the HARP program and servicing any federally back home mortgages including VA, HUD etc. 

They also have refused to supply me with the information i requested 30+ days ago under the dodd-frank wall street reform and consumer protection act pursuant to 12 u.s.c sections 2605 ( e ) ( 1 ) ( a ) and reg x section 3500.21 ( e ) ( 1 )
Product: Money transfer, virtual currency, or money service

This Complaint is abo ut WU 's  refusal to correct the misuse of my information by  XXXX  of its users.     I am a  XXXX  citizen, living in  XXXX . Someone has been using the  western union international money transfer services to send money from ne w york to  XXXX  and registered my email as theirs, so in half a year I have received at least  XXXX  money sending notifications, I have called on  three  times the number  XXXX  of  western union custo mers to request to correct this situation, without which to date I can give a solution.
Product: Credit reporting or other personal consumer reports

I sent in a dispute letter XX/XX/year> via certified mail with tracking. This company has claimed the letters were not sent by me and failed to investigate the disputes of inaccurate accounts in a timely matter. XXXX requesting you urge them to act promptly and investigate these accounts as required by law. I have sent in XXXX proofs of identification along with a notary which is more than enough proof. Delete the accounts immediately if they can not be verified. 
I am writing in response to your stall letter via mail that claims these documents/disputes were not sent by XXXX XXXX XXXX XXXX The dispute letters are in fact being sent by XXXX XXXX XXXX. I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. I will be making pursuing litigation and damages for violations of {$1000.00} each violation
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to all bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to request the removal of the fraud alert on my personal credit report.