23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Fifth Third continues to deny me access to my credit card account. They claim I have logged on online even though they have my account locked. This is the opposite of customer service. I need to pay my bills and they are not allowing me to do so. This is clearly an attempt to charge me late fees. I have been unable to login since XX/XX/2019 yet they claimed I logged in on the 5th. This is patently and demonstrably false ; I am still locked out of their system.
Product: Credit card

I purchased something on my card, and I returned it they say I passe the 15 days return, and I ask where I signed for return, or did anybody mention that to me when I purchased ( no ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency advised me they informed the credit bureaus more than 45 days ago the item should not be on my credit report. Yet another example of an FCRA violation against me. As is the practice my credit score is lowered without cause. When I complain about the collection item not being removed it is then removed and the score put back to the incorrect score that was just lowered. My FICO score was lowered stating my credit debit ratio went from 19 % to 24 %. Now this is the same credit score that was paid down well below 30 % and the bureaus never increased my FICO. I ask the again who is advocating for me. I am one of probably millions of XXXX and XXXX  people that this systemic method of keeping some people restricted by unethical, unfair practices with regard to credit. XXXX XXXX advised XXXX was to be deleted 45 days ago.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding several unapproved and unverified negative items on my credit report. Despite my efforts to resolve these issues, these entries remain, causing significant distress and affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Customer Statement with TRANSUNION they have a comment in which I Never asked them to place on my Credit Report, this comment only shows up under TRANSUNION. I would like the following statement removed from my TRANSUNION CREDIT REPORT IMMEDIATELY. The statement is impacting my approvals with other lenders. 
STATEMENT REPORTING : NATURAL OR DECLARED DISASTER VICTIM. I AM UNABLE TO MAKE TIMELY PAYMENTS DUE TO THE IMPACT ON MY JOB/WAGES AS A RESULT OF THE COVID 19 PANDEMIC. NATURAL OR DECLARED DISASTER VICTIM. HURRICANE HARVEY/COVID19
Product: Debt collection

I am so upset right now, I feel like I was deceived and taken advantage of. I had a collection which I received in the mail it was for an accident and my insurance paid for it. When I got another letter I simply just paid it because I didn't want it to impact me and the representative assured me that they would no longer report this account on my credit profile. And of course they didn't keep their word.

Two issues 1. this should have never even been sent in the first place since the insurance covered this bill 2. When I made the payment the representative assured me that it would no longer be reporting on my credit file. 
This both deceptive and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can they verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. Please delete these accounts from my credit reports since they were not properly verified and the furnisher could not provide sufficient proof to prove their reporting. XXXX XXXX / XXXX : Account number : XXXX, Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, Date Last Active is different on each bureau : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : is not uniform on each bureau : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Also, I have placed a Freeze on my XXXX and XXXX accounts and this info might have been shared. But according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I am applying for a home equity loan, and during the process, I was informed by XXXX XXXX that LoanCare is showing a lien on my property. I called LoanCare on XX/XX/XXXX, and received a copy of the release, dated XX/XX/XXXX for {$260000.00}, XXXX XXXX XXXX, page 1495. After careful review of the release, I noticed it incorrectly shows XXXX County, instead of XXXX County. The XXXX County Clerk of Superior Court does not have record of the release, so it seem clear the release was sent to XXXX County. I have spoken with a number of representatives at LoanCare, left several messages with supervisors, as well as completed a LoanCare Request an Advocate form online, but I still can not get any assistance resolving this matter.
Product: Money transfer, virtual currency, or money service

I have tried to reverify my cash app account for over a year or more since the update to the app. Being that I am a part of the cash app class action I believe is the reason they have deliberately denied my verification each time I have done it. I got to the point of just sending a photo of my state ID front and back and a selfie, as well as proof of the scan results of my state ID. They are still denying me full access to the account features such as a cash card, XXXX, borrowing etc. I know that this is because of my participation in the class action lawsuit against them for the negligence in their security and so forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a report from credit karma stating I have a recent hard inquiry from a company called XXXX XXXX on XX/XX/2019. I have never heard of the company and I did not contact that company for any business or whatsoever.
Product: Credit reporting or other personal consumer reports

I have asked for my credit report for all 3 credit bureaus and they can't verify my identity or can't or won't send me a copy of my credit reports for some reason. I've also asked for a credit report for my daughter and they tell me that they can't get one, and also I've tried to report my ex husband XX/XX/XXXX since XX/XX/2021, but they tell me that I can't report him as XX/XX/XXXXand I'm not sure as to why because I'm his ex wife and he has been XX/XX/XXXX since XX/XX/2021.
Product: Credit reporting or other personal consumer reports

They reported in my credit file this account they are not mine : name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I dispute this and have no answer.
Product: Credit card

On Friday, around XXXX pm on XXXX XX/XX/year>, I was told by the Pentagon Credit Union Manager on duty that I am authorized to make a " Point of Sale '' transaction of {$5000.00}. I had transferred {$5700.00} ; however, after the individual hung up, I tried to make a Point of sale transaction at XXXX XXXX XXXX and XXXX for XXXX dollars. It was declined, after XXXX hours of going to XXXX different casinos ( XXXX, XXXX, and XXXX ). A PENFED Supervisor informed me that I am only allotted {$2000.00}. My biggest issue is the following : 1 ) Manager lied to me about the {$5000.00} authorization 2 ) PENFED told the Credit Card fraud company not to release the block 3 ) PENFED did not take any assertiveness after 5 days of waiting to call or resolve the block even when I received a notification on my email that the attempted charges were valid.

4 ) PENFED employees fail to read what's on the notes and continue to interogate me on all the attempted transactions only to be transferred to another department Which overall created undue stress and anxiety that has caused me to decide to close this account later, when I get back home to North Carolina. After XXXX  years with the credit union, customer service has gotten so bad it's going through the motions ... and they don't care at all about Veterans
Product: Money transfer, virtual currency, or money service

I have tried contacting this company and the website says to contact XXXX and then the card says to contact XXXX but I ask for the fraud department and Im told that they dont have one to transfer me to. The email they provided me was for fiserv and that isnt the financial institution that is providing the cards. This card is for XXXX XXXX and I seem to have to be transferred to a different department to even speak with someone in customer service. I also believe that my phone has been hacked. I have tried numerous times to work with XXXX and have also gotten a new phone. This has been something I have gone through before and had to end up filing XXXX.
Product: Debt collection

On XX/XX/2024 my XXXX XXXX XXXX checking account, including my XXXX  XXXX was placed on a legal hold. I called XXXX XXXX XXXX at XXXX, which was given to me by the bank. I spoke with XXXX who I advised of my bankruptcy filing. I also provided the name of my bankruptcy attorney XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX the funds of {$680.00}, {$100.00} and {$28.00} from my minor child 's account was taken. I faxed in my bankruptcy filing document file # XXXX to XXXX. Asking for legal hold to be removed, and all funds returned. {$300.00} of this belonged to my mother XXXX XXXX to pay a bill. 

I called the office again on XX/XX/2024 and spoke with someone. At this time I was advised, they would not be able to speak with me. Since I had legal counsel, they would only speak with him. On XXXX XXXX, XXXX XXXX XXXX withdrew another {$100.00} from my account. Although they were previously provided my attorney 's name and bankruptcy document.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent an affidavit of truth to Equifax in regards to my consumer rights that were violated. I attached proof as well. It has been 12 days and I have not received a response. Equifax furnished my report to XXXX different companies including its own without my written or verbal permission. Equifax is civilly liable for violating my protected rights. I feel as if I have suffered enough and I would for someone in the litigation department to contact me in regards to requested compensation.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I attempted to transfer some crypto out of my XXXX  account. The transfer was denied due to a " security hold '' on the account. I opened a support ticket to request that they remove the security hold. They responded, asking me to send them a photo containing the following : 1. A view of your full face 2. Your ID that was used to register with XXXX.

3. A handwritten note that states the current date and says [ XXXX ] underneath I sent them this photo, which I've attached for your reference. They then responded stating the following : " Thank you for providing the selfie attachment. I am working with my team to resolve your issue. I will be sure to follow up as soon as I have the next steps. If you have any questions in the meantime or any additional details you think would be helpful, please feel free to reply to this email. '' All of this took place on XX/XX/XXXX, but now, XXXX weeks later, my account still has a security hold and XXXX has stopped communicating with me. I emailed them several times since then, but they don't respond.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My credit information has been used without my consent/authorization or knowledge, I have submitted documentation to support my claim and I request these fraudulent accounts be blocked and removed immediately. 
XXXX : XXXX XXXX XXXX XXXX XXXX {$15000.00} Acc+ # XXXX XXXX XXXX - # XXXX Acct # XXXX XXXX XXXX XXXXXXXX - XXXX {$100.00} Acct Number - XXXX XXXX XXXX XXXX XXXX : {$630.00} XXXX : XXXX XXXX XXXX XXXX XXXX {$15000.00} Acc+ # XXXX XXXX XXXX - # XXXX Acct # XXXXXXXX XXXX XXXX XXXX - XXXX {$100.00} Acct Number - XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX - # XXXX Acct # XXXX XXXX XXXX XXXX - XXXX {$100.00} Acct Number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft I filed a police report and sent to all credit bureaus XXXX, XXXX, XXXX I dispute a creditor which had been taken off 2 years ago which show up in my XXXX  credit report this is fraud then recently it was put back I dispute and was not take off. CKS Prime Investments original XXXX XXXX XXXX  it shows Account # XXXX collection opened XX/XX/2018 contact information XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I have no idea have never had anything to with this company I called them personally and no way to resolve anything with them I'm desperate or XXXX  please help resolve this matter. 

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

This is another situation of JP Morgan Chase Bank, NA trying to again foreclose on my home again for a third time!!! the last two fraudulent times my credit was identified as being cleared of the two accounts which this bank supposedly cleared off of my credit due to XXXX XXXXJP Morgan Chase Bank , NA 's credit reported information in XXXX as being in default of the primary fake account first mortgage which later proved to be forged/photocopied documents used in the foreclosure sale on XX/XX/XXXX. Now the most recent ILLEGAL foreclosure sale on XX/XX/XXXX, of XXXX Again fraud discharged this second so called mortgage HELOC as this fraudulent sale was initiated and part of this illegal foreclosure sale was discharged with this illegal sale. Now I get the attached credit report from XXXX dated XXXX showing this heloc as being in default even though it legally should have disappeared with the most recent illegal foreclosure sale on XXXX XXXX, XXXX. I have also filed complaint with the FBI, FHFA-OIG , IRS-OIG and etc... This is where this bank is trying to set me up for Another ILLEGAL foreclosure sale using this account. Please see attached this discharged with last foreclosure sale has damaged my credit even though it was removed from my credit reports has been put back on without the first primary fake mortgage that was foreclosed on twice!!!! This is credit fraud and JP Morgan Chase Bank is responsible for this false credit reporting while trying to AGAIN trying to set me up for another illegal foreclosure sale. This is severe financial, emotional abuse leading to additional physically abuse causing this XXXX yr old, XXXX, XXXX  woman with only a XXXX XXXX XXXX to be again terrorised into having another XXXX XXXX  as I recently had XXXX XXXX this causing severe XXXX XXXX with all of this illegal fraudulent XXXX!!! this so called HELOC does no longer exist and it is listed under another alias of JP Morgan Chase Bank, NA being now called JPMCB Home Lending is doing this to me on behalf of JP Morgan Chase Bank, NA. This again is a pattern criminal act of illegal foreclosure attempt coupled with tax evasion while damaging my credit, I do not blame the credit bureaus they are all being given FALSE credit reports. I believe this is a full blown conspiracy and am requesting the CFPB look into my other CFPB complaints to see the connecting criminal acts against me for illegal debt collection by all parties mentioned in this complaint. I will also be filing with other state and federal agencies as this illegal criminal activity continues to illegally try an Steal my home for profit.
Product: Debt collection

I do not have a signed contract nor any contract with AMSHER COLLECTION SERVICES. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with AMSHER COLLECTION SERVICES. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Product: Money transfer, virtual currency, or money service

I sent about {$1500.00} to a company called okcoin to buy and sell cryptocurrency in XXXX. I sold some of my cryptocurrency ( {$1000.00} ) in XXXX I believe. I just tried to log into that account again ( XX/XX/XXXX ). 

The company requires that I use an authenticator app. I purchased a new phone in XXXX so I do not have the account saved on my authenticator app. I reached out to their support team to receive a new access code or an SMS verification. The support team sent me this email : Dear XXXX, Thank you for contacting XXXX support! 

In order to proceed further with your request ; 1. Kindly send us a photo of your ID ( front and back ), and a selfie with your ID and answer the questions below : -Account registration date -Last login date -Last trade details ( asset, amount, option ( sell/buy ) -Main assets held on account 2. Please prepare a video recording, read the below template ( adjust the template according to your request & personal information ) and attach the video to your reply. During video recording, your identification document must be shown to the camera, and the information must be easily readable. 

" Hi, my name is XXXX. Today is the date/month/year, and I recorded this video to reset my XXXX account ( phone number/google XXXX ). My XXXX account is associated with XXXX address, and my ( ID/passport/driver 's license number is XXXX. ) I'm the sole owner of the before-mentioned XXXX account. Kindly assist with my request ''. 

If the video size is too large and can't be attached to your email, you can upload your video to a cloud storage space ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, etc. ) and send us the link by granting access to XXXX Once we receive the video, we will proceed further with your request. Thank you for your time and your cooperation! 

Important note : To ensure funds & account safety, the withdrawal function of your account has been disabled until level XXXX verification is completed. 


Best regards, XXXX | Customer Service Representative '' I have never been asked to send a video to verify who I am. They are now also asking me for my driver 's license, which I believe I never sent originally. I asked them if there was another way that I could do a XXXX authentication or verification process and they said there is no other way. This feels like a scam. My account is closed. I can not withdraw my money. I am talking to my bank now to close my account because I sent them funds through a wire transfer.
Product: Credit reporting or other personal consumer reports

XXXX, Social Security Number : XXXX, Date of XXXX XX/XX/year> This complaint to the CFPB is being submitted to request that Equifax, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : 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  These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my XXXX credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and  XXXX XXXX. these accounts are not mine they belong to my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US   DEPT OF EDUCATION # XXXX, US DEPARTMENT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDDUCATION # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written permission or instructions.
Product: Credit reporting or other personal consumer reports

XXXX BANK XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax TD XXXX FIN XX/XX/XXXX XXXX CIG FINANCIAL LLC/DS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CREDIT UNI XX/XX/XXXX XXXX AN # XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase somehow lost my money and locked my acct Then my acct that have been linked were unauthorized charges and money in my Coinbase acts started being sent out with out my approval Then locking my acct and charging me fees and not getting back to me or letting me withdraw my money