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

On the XXXX XX/XX/2017 I transferred funds from my account on XXXX to my account on coinbase.com. The funds never showed up in my coinbase account. I contacted XXXX  to ensure the transfer went through and was assured it had and to check with coinbase. 

I have sent numerous emails to coinbase requesting the matter to be looked at and have been ignored. 

I lodged a complaint with BBB and they too have tried to get the matter resolved and coinbase have ignored them. 

The transaction id is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXXXXXX, Have violated my rights. 

15 U.S.C 1681 section 602 A. State 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictins of crimes which antedates the report for more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating ot a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

A checking account was opened online by someone other than me in my name using my home address, and email address, but in speaking with the agent from Citi, the last 4 of my social do not match the account. 

I started receiving emails about this an called Citi. At first they said no account existed and to disregard as phishing scam. 

I then received a debit card in the mail and called Citi directly. They blocked and closed the account.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXXXXXX  Reference # XXXX XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXXXXXX  Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is XXXX XXXXXXXX XXXX ( hereinafter referred to as the " consumer '' ) filing a complaint to report deceptive trade practices constituting malicious attempt to evade responsibility and practice transparency as a holder of the general public 's funds. because I am unable to access my account and there is a deliberate pattern of misleading the consumer to prevent access to their account that falls below the reasonable standard of care for a fintech company to operate. 

On XX/XX/XXXX, accessed my account and received a new sign-in email stating that a sign-in has been detected from XXXX XXXX NY XXXX XXXXXXXX XXXX  CDT. This email asked me to reset my password and review recent transactions for unauthorized activity. I ignored this email because no response was required and no unauthorized activity had occurred. 

A few days later, I received an email about Chime using account restrictions to place a hold on my account and that this hold will only be removed once ID documents are resent. On XX/XX/XXXX, I emailed XXXX and received a response from a team member named " XXXX '' stating that I would have to call in because " these issues can only be resolved by speaking with one of our agents. '' Each time correspondence over email is redirected to phone and vice versa. After, this XXXX started sending me messages stating, " this email is not monitored. '' This is where there is a deceptive practice in misleading the consumer. 

Despite Chime 's own policy stating that all that is required to remove this temporary hold is the account verification duly done, the hold has not been removed. Over the past 10 days, the consumer has sent her ID verifications and selfie over 7-8 times. Each time, the consumer is told on call to email and vice versa. On email ( XXXX ), it says this email is not monitored. The consumer spent 10 hours on call repeating the verification process multiple process to be given no date on which she will be notified or accurate information given when the documents were approved with her DL and passport both offered along with a selfie which their system said has been accepted each time. As per Chime 's statements, this was all that was required to remove the hold. In violation of their own policy due to no other reason except the one described here. 

It is requested in the interest of justice and equity that this matter be expeditiously involved to prevent further disruptions to pay for expenses. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00}.
Product: Checking or savings account

Today is XX/XX/2023. I just checked my Discover XXXX XXXX account and found an unauthorized official bank check withdrawal with the amount of XXXX USD on XX/XX/2023. And XXXX days before this transaction, an email said that my XXXX passcode for the Discover XXXX XXXX has been updated. 

I actually didnt update this passcode and each time when I called them I could only change the password instead of passcode. So where the passcode comes from??? And I did not authorize any bank check withdrawals. I even have no idea how to issue a bank check from this account since its a saving account. 

So I called the Discover Bank immediately but they told me they could not stop the payment for this transaction of XXXX USD. Because I am currently in XXXX and not using the phone number on file, they said they could not verify my identity and asked me to go through a very complicated verification process which the XXXX XXXX would be involved. It might take XXXX month or more because the earliest appointment for XXXX XXXX is next month. 

Its a horrible and ridiculous experience and I am currently very worried about the safety of my money because I have not idea what is going on. I dont know why someone could easily steal my money but I need to go through such a long and complicated process to verify myself and protect my money. I still have email and address on file but they didnt really help with it. Thats really disappointed and I already lost trust on Discover Bank although Ive stayed with them for XXXX years.
Product: Debt collection

I do NOT owe this debt. The company continued charging my stolen credit card after being notified that this debt was NOT valid. They explained they fixed the computer glitch and removed this fraudulent charge and has now continued to try to collect on a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}
Product: Checking or savings account

Charge a {$5.00} fee for an account set up by the bank to save money. Account was not at a XXXX dollar amount.
Product: Credit reporting or other personal consumer reports

the information supplied by REVVI card to XXXX, XXXX and Transunion was inaccurate, A late payment was reported.
Product: Debt collection

Year of 2021 Manager for apartment complex XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX. 

Submitted a debt collector request for XXXX claiming damages, left uncleaned, I've had an issue since I moved in. She lied about the apartment she lied about it being infested with roaches, there was a couch left in the apartment when I asked her to remove it she acted like it was mine when I had no furniture at all. I took pictures of the apartment from move in date to the move out date and nothing was damaged I cleaned the entire area and professionally cleaned the flooring carpet and tile. She unlawfully claimed there was animal urine etc broken appliances, change of lock, holes in walls etc and sent a debt collector called national credit systems trying to obtain XXXX she ignored my calls about taking her to court and still to this day it's on my credit file I've tried multiple times to dispute and it gets ignored
Product: Debt collection

Received a call immediately after I sent an email verifying that the amount has been paid in full and closed. After speaking to several representatives, the company kept giving me attitude and implying that they needed proof that I paid it off even after I sent proof. Then had the audacity to say that the company that I had already paid charged me too much, which is inaccurate information. I have paid this debt and want to be left alone.
Product: Debt collection

I personally called the agency and we came to terms on a payment arrangement. I had explicitly asked them to only contact me concerning the matter after I heard they had contacted multuple parties that have nothing to do with the situation. They continue to contact other individuals that do not directly relate to the debt after we had come to this agreement to include my wifes employer, my employer, other individuals associated with my last employer and individuals i served with XXXX to 5 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account opened fraudulently. Email with police report and FTC report not accepted. Multiple phone calls never answered. Messages left never responded to. 
Takes at least a week for any email response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permiss
ible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my score dropped by 58 points. Tranunion can provide no clear reason as to why. All payments and accounts have been current in XXXX. In fact I have not had any late payments since XXXX. There was an error from USDA  in XXXX of XXXX, but the USDA corrected the issue at the beginning of the year. I have contacted Transunion and they also advised the error was corrected. But can not explain why my score was dropped 58 points. The report on their website does not provide details for the decrease. The only info I can find is on XXXX XXXX where it says there was a missed payment with the USDA, which shows corrected, but still decreased my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax Hello XXXX I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

The first occurrence was on XX/XX/XXXX. Part of this was bad timing ; however while I was at a doctors appointment my father called my frantic. He said that someone tried calling him looking for me. Then this same person 10 minutes later called my XXXX year old brother who is now calling my father worried. And then 10 minutes after that called my XXXX year old son. Everyone was panicked. It was horrible timing, and I told him to never call my family again. He said he got all of their information from the state of KS. 

Then the strawthe debt collector called my work twice on XX/XX/XXXX. I told them this was my work, and she kept placing me on hold. I was trying to work so I hung up. She called back and said we must have got disconnected and I told her again for the XXXX time this was my work. She became argumentative and I hung up as I was trying to work. 

Then Monday, XX/XX/XXXX, I received another call on my direct work line. I recognized the number and was on hold for around a minute when the girl got on. It was the same girl, XXXX XXXX, and I told her, AGAIN, that this was my work number and the XXXX time I have told her NOT to call me here as now it has made my office aware of my private situation. She said this is not your work number. She also said this is what the girl gave me to call. Well she did call my work, the receptionist gave her my direct desk number at work. I told her I had to get off the phone because I was working and she said I wasnt working??? 

I have the collection agency to send me documentation clear back in XXXX and have yet to receive it. I was told to go online and check it. I told them I wanted verification of the debt from them in writing. Still nothing. I have worked with collectors in the past, but never anything so vile in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AVANT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX with no successful resolution. There was definitely an error on their part. I was never late.
Product: Mortgage

In XX/XX/2019 I paid in full all amounts due on my mortgage to bring it current. The amount I paid was {$11000.00}. On XX/XX/2019 I received a bill saying that {$250.00} was past due. When I called Ditech Financial I was told they had misapplied funds to the escrow account and that error was to be corrected. I was told everything was in order and there was no back payment due. I asked for a corrected bill but was refused and told to pay the next mortgage payment due. I did so and that payment was received on XX/XX/2019. I received a billing from Ditech Financial alleging that there was a late charge due of {$30.00}. When I asked from where did that late charge come, I received a non-responsive answer of the our records show ... variety. When I asked for specifics I got the same response and told to dispute it if I wanted to do so. 
There is no back payments of any kind due. I am totally current. I did notice that Ditech Financial paid out {$30.00} from my escrow account to cover local real estate taxes due but that is not an arrears payment but an advance which they recover in the next payment. Billing me alleging a past due amount is totally false. 
I will appreciate whatever you can do to settle this matter in my favor. 
Since Ditch Financial is in bankruptcy court in NY XXXX XXXX I wonder if this billing is part of a strategy to bring in cash during reorganization? 
Thank you again for your assistance. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a fraudulent account on my TransUnion credit report and to request an investigation into this matter. I recently reviewed my credit report and discovered an account that I did not open or authorize. This account is a result of identity theft, and I am requesting that it be removed from my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my personal credit report(s) online in XX/XX/XXXX and saw where XXXX reported to credit bureaus XXXX and XXXX  that I owed them $XXXX. I then spoke to XXXX  on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.Since speaking with XXXX, I continued to monitor my credit report(s) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to $XXXX. I requested “validation”, that was competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.XXXX  responded on XX/XX/XXXX where they listed the account identifier (account number) as XXXX  and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.After reviewing my credit report(s) for XX/XX/XXXX, I noticed a comment under the XXXX  entry that stated, “Account closed at consumer's request and dispute investigation completed; consumer disagrees.” I wrote to XXXX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature. I received no response to date, and they have since reported that I owe $XXXX. The “Payment History” for this account starts at the month of XX/XX/XXXX and is marked “C” for collection. No other payment history is listed before XX/XX/XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was $XXXX. Prior to XX/XX/XXXX, XXXX was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to Experian and XXXX as well on XX/XX/XXXX and XX/XX/XXXX to no avail.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had filed a dispute for u authorized fraudulent charges and I was told I would have my provisional credit in 10 days if I was eligible.. and I was but 2 days ago which 2 days before the funds were Available to me they closed my account and I have no access to any of those funds this is unfair and I have nothing to with witb any of those charges I need my money
Product: Mortgage

In XXXX XXXX, I was discharged from a bankruptcy. I had paid throughout the bankruptcy my 1st mortgage and HELOC with Bank of America. During the bankruptcy I received statements on XXXX mortgage, but not on HELOC. Even after the discharge, statements never resumed. I was never notified and even to this date notified of how much my payments are, the due date and any delinquency. I never received any type of information regarding my status on this account. In XXXX XXXX, I received an Intent to Accelerate Payments. At this time I contacted the bank and inquired about modification. I recently was serviced foreclosure papers XXXX XXXX. This is the first contact I have received from Bank of America since XXXX XXXX regarding status. Bank of America has been in violation and noncompliance of Periodic statement ( XXXX ). I inquired to representatives about why I was never provided with earlier notification and was told that if I do n't make a payment - I do n't get a statement. How do I know that the status of my account if there is not communication with Bank of America. I initiate a modification assessment and have been mislead by Loan Modification department by representatives, who would tell me to hold on and not do anything. i trust them, as they are the experts. I am now finding myself in situation where I could lose my home. I was never given any notice on status of account or provided with any statements. How can I pay on an account if I have no notification, information on who to contact or even a number. My compliant is Bank of America has violated XXXX XXXX XXXX XXXX XXXX that was in affect XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the past few years I have been going back and forth with XXXX XXXX with the way they handled my loan.I was involved in an accident and my insurance company came and got the car from my possession.During this process insurance company needed the title to get rid of the car and XXXX XXXX and insurance company were both asking me for the title that I didnt have because XXXX XXXX had the title.I was charged almost XXXX for this title that I didnt have and because of me not sending the title I was given a voluntary repossession on my report even though the loan is XXXX percent paid off.when I spoke to XXXX XXXX they agreed they made a mistake on there end but XXXX still left with this repo on my account I ask it to be removed from my account due to there mistake.This has been going on for a few years and they just realized they made a mistake.If you look at there replys from my old complaints they were asking for a title that once again they always had in there possession