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

I have had a coinbase account locked by them and have tried to contact the to reopen the account after they stated i can not have an account if I live in XXXX, I dont live in XXXX I live in the XXXX where the account was opened from. 

I have been waiting for a response to my case since XXXX and have also paid XXXX to call them to which they said they could n't help me with a locked account even though the option I choose was for locked account issues and then placed on hold for 2hrs. 

The case ID number from them Case XXXX I can not gain access to my money they hold to do anything with which is now causing me some distress as I am also being treated for XXXX currently and would like to have access to my funds again for removing back to my account to assist financially. 

Regards XXXX XXXX
Product: Debt collection

i lost my wallet around the end of XXXX of XXXX by XX/XX/XXXX i had to get a new driver license and debit cards. I didnt report to police cause i didnt get any suspicious activities in my banks account. 

yesterday XX/XX/XXXX i received a summon case XXXX from AMERICA EXPRESS NATIONAL BANK for two credit card accounts, one XXXX XXXX XXXX for the ammount of {$11000.00} and a XXXX XXXX XXXX XXXX  for the amount of {$6200.00} the plantiff 's attorney is XXXX XXXX XXXX XXXX XXXX XXXX Credit cards that i never applyed for and of course never used. 

Looking for more information i order a report with XXXX and check my credit and i found out that different inquires were made. 
On XX/XX/XXXX XXXX XXXX open an account that on XX/XX/XXXX were closed because they couldnt verify my information. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX the thief was trying to apply for credit cards in XXXX XXXX with out success. 

Its another account on XXXX opened on XX/XX/XXXX. I contacted all the companies today and report a fraud, also i put a fraud alert on XXXX. i will a file a written response to the clerk. 

This is the first attempt to inform about my identity theft. Any more information i can get i will submitted eventually. 

Also the accounts with american express were open on XX/XX/XXXX and i was in XXXX in a samll town where i dont even have internet. 
i will attached proof ( copy of my passport ) showing that i was out of the country. 
from XX/XX/XXXX - XXXX XXXX i was in XXXX, XXXX with my family with not internet, no cellphone service. So i was not able to open an account at all.
Product: Debt collection

I get multiple daily calls from Allied Interstate at XXXX. 

I have no outstanding debt at all. 

The calls start as early as XXXX local time, even on Sundays.
Product: Mortgage

I had a second loan that was owned by XXXX XXXX and went dormant when the market turn bad. Years later the loan was purchased for pennies on the dollar by XXXX XXXX XXXX. Back in XXXX this bully company filed a notice of default after they purchased the loan and started strong arming me to pay or they will foreclose. At that time the lender committed procedural errors. Respa, Fair Debt Collection Practices Act, Home owners Blll of Rights, Loan Modifications violations. They said they would modify only if I paid them $ XXXX which I did so to modify. XXXX XXXX demanded this money as profit and if I didn't pay it they said they were going to foreclose on the property. This sounded illegal but I agreed because I didn't want to lose my house. So now XXXX XXXX has filed another notice of default. I ran into a few financials hurdles that I'm fixing at this time. I called to try to work something out with them and they refuse and want {$14000.00} ( incorrect amount due ) up front which they know I don't have at this time. So now they are taking this opportunity to try to steal my home. They did not follow the states preforeclosure loss mitigation requirements, mediation options, options to avoid foreclosure. I filled out a RMA and sent back to the servicer and the owner responded with a denial stating I failed the first loan modification. How did I fail it, it cost me $ XXXX to even get the loan modification that was given. This company is XXXX XXXX  to take my home that I've had since XXXX. I am willing to work out some type of payment plan to resolve this matter ASAP!
Product: Credit card

I noticed another deposit was made out of my compromised XXXX account the amount of XXXX $ was processed by chase on XXXX of this month.I also had XXXX trace a transaction to chase of XXXX $ a month ago.I reported this to customer service and XXXX near begged for it back the money was stolen from sellers from my bank account through disputes that a hacker tried to manipulate to steal money from me messing up my good standings on a account I had over XXXXChase told me because the account was closed I can't report fraud and have payments reversed.I then told customer service isn't that theft for me to have items then dispute it keep the item then get a refund they said look at the good it went to your negative balance that's horrible how's that ok to steal from sellers and apply the money to money u owe the bank.Chase is allowing this Why isnt that criminal activity I don't think the hacker knew XXXX only returns money to oringal payment method.Paypal can not reverse a refund once bank has it I have to go through chase to recover the money have it reversed so XXXX can then return it to seller.I tried for weeks hours to get the fraud department to reverse the money back they said there's nothing I can do.The fact is how can chase allow someone to commit fraud to payback a negative bank balance by stealing from businesses and tell me I'm out of luck because I owe a negative balance I want to do to it the right way and do a payment plan I don't want to take money from a business I'm dealing with a comprised Chase account also this very one had bad checks written to it not by me had money cashapped out my account I lost XXXX $ from that bank couldn't help me I owe chase XXXX $ from being a victim of fraud.My XXXX account is not in good standing this hacker was put me in financial mess I'm trying to clean up now Chase XXXX refusing to return money back to XXXX so XXXX can return it back to the sellers.Its fraud which I reported and yet Chase said it's automatic it decides to apply a refund to negative account I said even if I'm reporting it as fraud customer service said look at as it a good thing it will pay down what u owe if there telling me this who else are they telling this to the fact that someone can dispute legit charges keep the item and payoff a debt that's clearly fraud i told they hung up on me this is not good business practice at all
Product: Credit card

I am filing a formal complaint against Home Depot for a serious error that has already caused significant harm to my financial standing. 

On XX/XX/year>, I contacted Home Depot to inquire about increasing my credit line. During this call, I made it absolutely clear that I did not want a hard credit inquiry conducted. I was assured by the representative that no hard pull would occur. Despite my clear instructions and lack of authorization, a hard credit pull was performed and subsequently reported on my credit report.

This unauthorized action by Home Depot is not just an inconvenienceit is a direct financial injury. I am currently in the process of refinancing my home, and this hard inquiry will negatively impact my credit score. As a result, I will face substantial financial damage, including increased refinancing costs and potentially higher interest rates due to this mistake. The financial loss caused by Home Depots negligence could amount to thousands of dollars.

I contacted Home Depots customer service, and the representative stated that they would dispute the inquiry with the credit bureaus, promising a resolution within 90 days. However, I am left with no way to directly follow up with Home Depot on this matter, and I have no assurance that this error will be corrected in time to avoid further financial consequences.

The negligence displayed by Home Depot is completely unacceptable, and I am seeking your immediate intervention to ensure that they take full responsibility for the damage theyve caused. I request that you forward this complaint to Home Depot and ensure they take immediate corrective action. I am entitled to compensation for the damages caused by their actions and would appreciate your assistance in resolving this matter as swiftly as possible.

Thank you for your urgent attention to this critical issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a XXXX Bike in XXXX and a pair of shoes and a mat. They sent the bike and then the mat & shoes later on. They ( XXXX ) in error charged me for whole another bike. i made payments on the one back and to XXXX and XXXX  the error. They said they would correct the error and refund the money. i informed them I was not going to pay XXXX $ becasue I was already paying on the only bike I have. And I only owe for the mat & the shoes. They agreed and said they would fix and notify firm who was the credit company that gave me the loan for the Bike. I started a complaint & dispute with XXXX they said they was working on it. 

XXXX sent a response to me and said as of XX/XX/2023 they have not received a refund and I did not see a refund on my XXXX account. then on XX/XX/2023 they said they said they see the return ad it was credited on XX/XX/2023. I was never notified by XXXX or XXXX of this credit refund all I saw was the XXXX listed on my account. I called XXXX XX/XX/2023 to see what the status was they said they had been sent the refund to XXXX. I called XXXX the same day and said it was true they had refunded them and my balance now was XXXX 3 days later I paid the entire balance off. 

15 days later I got a ding on my credit report from Experian saying this account XXXX falsely charged was 30 days past due and later I got hit with a 60 day past due amount for the XXXX. I disputed with experian, they came back and said XXXX said they are reporting correctly. 
I never was 30 days or 60 days behind as of XX/XX/2023 XXXX representative XXXX said he did not see the refund.to my account I paid it 30 days later and then on XX/XX/2023 and XXXX representative said she see the refund back in XXXX and no one from XXXX or XXXX contacted me about the change. 

I need to have this remove on my credit report my accurate amount was XXXX which I paid. I can never be late on a Fraudulent or a duplicate charge of XXXX. 

Please I need help with this this have dinged my credit score XXXX point just off the 30 days late.
Product: Credit card or prepaid card

I have Banana Republisc credit card. This card was with XXXX XXXX and in year XXXX they moved to BARCLAYS BANK. Due to this my auto payment set up failed for payments. I raised multiple requests to customer care to fix my account. It took 2-3 months to fix my account ( XX/XX/XXXX to XX/XX/XXXX ). They removed all the corresponding penalty fee related to late payment charges on my account but did nto remove late payment removed from the credit report. I requested through mail/ phone call but they are not able help me on this. 
The late payments on my account was due to their system problem but not my ability to pay the payments ( It was a {$30.00} charge total {$60.00} ). I request you to look into this and help me to remove the late payment in my account history. 

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

Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX  XXXX XXXX, as well as XXXX, XXXX and XXXX XXXX  XXXX XXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX  XXXX because of it. I have not given
Product: Credit reporting or other personal consumer reports

Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have a mortgage loan with XXXX XXXX Bank. 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.
Product: Bank account or service

I was asked for XXXX forms of identifications while trying to withdraw money from my usbank reliacard account. I felt as if was misled in simplifying money transactions accordingly to the website. Why would n't XXXX form of identification be sufficient to withdraw money ( state ID )? 
This happened at a US Bank branch in XXXX XXXX XXXX, MN. Physical address XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 around XXXX. I felt stereotyped because of my strong XXXX accent thus being the reasoned of why the banker did not give me my money.
Product: Credit card or prepaid card

Missed one payment and AMEX called my place of employment the next day. This was on XX/XX/2018
Product: Credit reporting or other personal consumer reports

To XXXX, EQUIFAX, & XXXX : Your company is in violation of the law under : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. The law CLEARY STATES " BLOCK '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Nowhere in this law does is state that I have to provide you with a police report. This is clearly a stall tactic and goes against my human rights. 
DELETE the above inquiries from my consumer report, this agency is in violation of 15 U.S. Code 1681c2 Failure to respond satisfactorily with deletion of the above referenced inquiries and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of identity fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. Code 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations. 

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile. 
3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from CHASE Cardmember Services ( dated XX/XX/XXXX ) advising they are closing my account due to inactivity. The number provided to reach CHASE is outlined on the letter as XXXX. This is a non-working number. I have always had the understanding that closing a card can have negative impact on your credit score so even if I am not currently using the card/ have outstanding balance, I leave the card open. Can they just close the card and cause a negative impact on my credit score? Their note states, " We regularly review accounts to determine how customers are using our products. During a recent review, we found that you haven't used your card for an extended period of time. For this reason, we will close the account in 60 days as of the date of this letter. You may use the card until it closes but using your card won't keep it open ''. I have other cards that have been issued since the XXXX and they haven't closed them for inactivity. My main concern is the impact on my credit score. It is already deteriorating quite a bit since I lost my job in XX/XX/XXXX and have kept paying my house note since that time. My payments are becoming more and more late due to the fact I have now wiped out my savings and have just about used all the retirement funds. I know this has dropped my score several points as I just reviewed my score recently and see it has dropped almost 200 points. I have had other accounts 'close ' or the limits reduced, I am assuming they periodically run the score and note the deterioration. I have always paid my bills. In fact, I have paid some of these cards off more than once. I do not think this is fair. People file bankruptcy daily and continue to get credit. It's crazy. I feel like I am being punished for doing the right thing and paying the debt, even if it is paid late and on top of it, this card has nothing to do with that. Just a note saying closing for inactivity. My request is this? Please outline their rights relative to closing the account. If you agree this will negatively impact my credit score, please outline steps I can take to combat this action. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I visited the TransUnion website to obtain a free credit report. I didn't need this report, I was just curious what my score would be. I clicked the most prominent button offering what I wanted, and filled out my personal information. There was no mention that I noticed of any charges I would accrue, but after finishing the signup process, I got an email of a receipt stating that my credit card had been charged {$24.00}. I did not want this service, I only wanted a free credit check, but instead I was duped into buying something I didn't need or want.
Product: Credit reporting or other personal consumer reports

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit. I told them that after being informed that this is fraud, they are supposed to help me. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. 

Please remove the following fraudulent inquiries that I did not authorize, nor do I have any business with. 
XX/XX/XXXXXXXX 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, credit repair services, or other personal consumer reports

On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with XXXX. Disputed it and got a response back that I needed to have the company call XXXX and remove it. Called XXXX and XXXX and they still can not find anything to use to show XXXX to remove. I am being told they need proof for XXXX and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XX/XX/XXXX. I started this onXX/XX/XXXX to have it removed today is XX/XX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at XXXX and will be sending my complaint to corporate.
Product: Debt collection

I was contacted by XXXX XXXX XXXX stating I owe a debt for a military star card from XXXX. I know for a fact this is not true because it was paid off through my XXXX  wages. They stated that AAFES sold the debt to them. They are threatening to garnish my wages. I asked them what options do I have and they told me to take a loan out, sell my vehicle, borrow money but either that or they will garnish my wages. I asked for proof of debt and all they sent was a bill from XXXX  for {$700.00} and told me I have to pay them {$1700.00}.