23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The USAA FEDERAL SAVINGS BANK accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that USAA FEDERAL SAVINGS BANK provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX, and XXXX  aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this MIDLAND FUND was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I was never late on this account. 
XXXX These account era incorrect and not are mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Information in my credit report is inaccurate as well as information this company has on file for me. Which is causing me not to be able to open an account. And its making my life harder to get ahead without having a bank account.
Product: Bank account or service

I have been a customer for over a decade with PNC. Last year they convinced me to change my type of account promising no additional fees and only positive changes. The main selling point being that they would now pay for other financial institutions ATM service charges. Turns out, my previous account did n't have PNC charges for non PNC ATMs. So this account had extra fees! I called in and asked to be reverted to my previous account type and was told it no longer existed and that was n't an option. I was upset at the false information given to me, but as long as they were paying for both sides of the ATM charges that was ok. Now, less than a year later they are removing the main selling point feature of paying for other institutions ATM fees!! I stopped by a branch with no help. I called in to the service center with no help. And, when I referenced the CFPB it was escalated for a manager and I was put on hold for over XXXX minutes, with no help or changes! This was a deceptive marketing tactic used to get me out of a product they did n't like anymore and then pull the main positive features of the new product with in a year!
Product: Debt collection

Various calls throughout the day, everyday especially on weekends after XXXX.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 I upgraded my cell and ever since then coinbase system denied me doing any trade, transfer, withdrawal or any transactions with my account and all my crypto. 
When I contacted coinbase several times via call, chat and email asking why I'm unable to do anything with my crypto and nft 's I have in coinbase and coinbase wallet It's constantly the same conversation every time I tried to get answers and access to my crypto and NFT 'S ... I get put on hold while they review my account and they say, ' Seems this is already being looked at by the next level department and they'll escalate it ' or similar to that.

When I ask, every time, why is this happening I keep hearing these words.

Only once did they say that I broke thier rules and can no longer do any trade with them.

then I ask, what rule did I break? They don't give me that answer. They said I'd get an email after further review and the email states something like... we agree with the original decision and the ruling stands. 
They finally did answer via email in XX/XX/2023 but the information they stated about me being in OFAC is false!! I live and always have lived in the USA! so no idea why they think otherwise Again, no way for me to get them to correct that... they wont I have a very low total XXXX never went over {$1500.00}. N now it's only worth just under {$600.00}. I'm a XXXX woman and really need that money back and I don't want to be forced to transfer the crypto vs sell off n close out because the fees would wipe out what funds I have. That was thier original suggestion to me but since have cut that off too.

I need my money back and don't want to transfer crypto. I want to have them sell off all my crypto for USD n then transfer the USD to my bank account linked to my coinbase account. 

It's beeXXXX months now ... they closed my initial complaints in XXXX XXXX the others so thats why there r several case # 's No idea. I just need my money back asap The email from XX/XX/2023 attached here, where coinbase states I'm in a country that the U.S. OFAC sanctions country and they can't do business with me. 
I LIVE IN XXXX XXXX XXXX PENNSYLVANIA XXXX XXXX so iveno idea why they're stating I live in an OFAC location. My ID n all I used to kyc with them shows that. I live in my existing home for 24+ yrs and still do. I'm XXXX and can't even go outta the country physically I've attached 10 screenshots of emails from coinbase proving this has been going on since XX/XX/2023 but that kept closing the cases so I'd have to start another because they didnt solve my issue.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are late though your company claims to have verified these. 
Depending solely on your flawedXX/XX/XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 


XXXX, XXXX. XXXXXX/XX/XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My credit reports show inaccurate information and its effecting my score ratings, also I see accounts on my credit that I didnt authorize. My Identity was stolen, passport and bags was stolen in XXXX XXXX and I reported the robbery to the XXXX XXXX police department.
Product: Credit card or prepaid card

We were supposed to have 12 months no interest then interest on the remainder of the balance after 12 months. After the 12 months expiration they charged the full interest on every purchase made with the card even with this COVID-19 situation. I was charged more than {$1000.00} interest, thats insane!!! They are just bunch of scammers, Ill contact my lawyer ASAP!! 
User 's recommendation : Dont get fool by XXXX XXXX. Pure liars and scam. 
Edit
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. The reporting companies has incorrect information this does not belong to me. Please keep in mind the following laws concerning consumers 12 U.S.C 1431, 42 USC 408, 31 USC 5118
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the 30th of the month to make payment without negative reporting. The Selene finance online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction.

Selene Finance reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime Selene Finance has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX  XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On, 15 U.S. Code XXXX 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Names : 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

There is misleading information that is reporting on my credit report
Product: Credit reporting or other personal consumer reports

There were multiple inquiry 's listed on my credit report that i did not initiate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/20, Comenity Bank made an unauthorized payment of {$620.00} on my account. This made my account turn negative and take my entire paycheck. I called and stated I never authorized the payment and explained our current situation due to Covid 19 and they hung up the phone on me, and have not responded to my emails. I did NOT authorize this large payment and they would not provide proof.
Product: Debt collection

XXXX sent me a bill for a damaged pedestal that they claim was cut-off and removed by me. I have not had phone service for over 5 years and was not even aware the pedestal was on the property, however I am told it is out of the easement by my surveyor. The pedestal was apparently run over by an unknown party travelling on the road. It had not been maintained by XXXX and was not visible. I have no other information other than I contacted XXXX to report the damage and was told that I was not responsible as it was outside of the home ( anything from the home inside is my responsibility - wiring, etc. ) I was told they would take care of it. They did not and there was jagged metal from the metal box adjacent to my drive where I enter and exit the property. We placed the metal in the trash for removal. After that, the XXXX repair techs came and cut-off the lines ( I guess ) and filled the hole with dirt. I was then sent a bill in the mail for {$1600.00}. I responded with a letter explaining the circumstances and received no further correspondence until a bill collector from JNR Adjustment began calling my work phone and leaving messages. I have attempted to resolve this through XXXX directly and they told me I would have to PROVE I did not damage the property! How can that be the American justice system? Guilty until I can prove I am innocent?????? It is their equipment, abandoned and damaged and I am the easiest target? How about they be required to prove I DID damage it. Which they can not, because I did not. I think they should accept the responsibility for not maintaining their own equipment and stop harassing me. Please help.
Product: Credit reporting or other personal consumer reports

I have notified duvera billing services llc XXXX, XXXX XXXX XXXX that they are reporting illegal information " identity theft " on my credit report I have sent all necessary notarized documents to this company as directed by the ftc and made them aware that it is illegal to report information that is not mine I never opened an account with them and demand that they remove this item as it is causing me severe financial damage due to their wilful noncompliance of the frca and ftc laws To the attention of XXXX XXXX and XXXX XXXX To whom it may concern I have been a victim of identity theft this account reported on my credit report as duvera billing services llc is not mine I have never given your company consent to open an account nor to pull or report any information on my credit report this information is fraudulent and inaccurate because I have never had an account with this company pursuant to FCRA 15 code 1681s ( 1 ) ( 2 ) " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. '' If this information is not removed with 10 days I will take this as civil liability for willful noncompliance pursuant to 15 us code 1681n and request monetary compensation I have attached my identity theft report notarized and I am also requesting no further contact from anyone in regards to this matter thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It says that I applied for attempting to apply for 19 different credit cards are most of them were denied but I am unaware of that and it needs to be fixed
Product: Debt collection

There is a Company claiming that I owe money to there company which is XXXX XXXX and I rented a house with them in XXXX I lived there for a little less than a year almost a year however I was on Housing With The Public Housing Authority in XXXX XXXX Tx and I had a ex who was XXXX  and family XXXX was involved in the past and he kept threatening me so I had to break my lease early. It was a emergency move and was approved through the housing. However the real estate company was upset and falsely claimed that I left the property damaged and dirty which was a lie cause at the time I took pictures and showed my caseworker XXXX XXXX XXXX who was shocked that they would lie about that. You could call her and confirm it with her and she will tell you. However if this happened in XXXX why are they bearly filing and why does is have a different date on the credit report. I havent lived there in over 2 years and I dont understand why they are accusing me of XXXX them {$6100.00} which is ridiculous.
Product: Mortgage

My home had a major water leak problem and my insurance company sent me a check for $XXXX   as settlement but the check was made to both me and PennyMac my lien holder.  Repair work was completed 6 weeks ago and PennyMac sent an adjuster to certify that all repairs were done and he did that on XX/XX/XXXX (my claim # is XXXX).  Since then PennyMac has on four occasions told me by phone that MY MONEY was being sent to me,  on the past 3 occasions I was told it was being sent the next day by XXXX since they had been advised that  I was going to be out of the country for an extended time.  I leave tomorrow and no check.  I believe that they are operating unethically and have a practice of withholding clients money to profit from the float .   They are cheating California residents in ways similar to the XXXX XXXX problem.  I strongly request as a large VA Tax payer,  business owner and voter that an investigation be started to see if this is a common practice by PennyMac.   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX.  XXXX
Product: Checking or savings account

On XX/XX/2024, I discovered that my XXXX XXXX XXXX  ending in XXXX was abruptly closed by Wells Fargo Bank. 

On the same date, I visited the local branch office in XXXX, Maryland and spoke with the branch banker by the name of XXXX XXXX XXXX. He told me that the XXXX XXXX XXXX was closed because I did not provide a physical address to the bank even if I have been a known customer for the past XXXX  years. 

I gave him my XXXX physical addresses ( home which they already have ) and physical business office. 

I also informed him that you do not just close an XXXX XXXX XXXX  without several customer notifications. I expressed to XXXX XXXX my concern since I had XXXX checks outstanding with the United States Department of Homeland Security which if not cleared would jeapordize the US XXXX  status of XXXX legal clients. 

XXXX XXXX escalated the matter to the next management level and I received an e-mail on XX/XX/2024 from the Wells Fargo Small Business Resolution Team. I was assigned a casse number ( Case # XXXX ). 

I contacted the Wells Fargo Business Resolution Team on XX/XX/2024 and was told that there is nothing they can do and my XXXX XXXX XXXX is permanently closed and any amounts I have in the account will be sent to me by check.

I made a strong request to atleast keep the account open and allow my XXXX checks to get paid to the United States Department of Homeland Security for rectifying the XXXX  status of my clients. The request was denied. I now have to answer to Bar Counsel as well for the callous action of Wells Fargo bank in closing the account. Wells Fargo did not care at all about placing my XXXX XXXX  clients at risk of losing legal XXXX  status in the United States.
Product: Credit reporting or other personal consumer reports

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

Experian, XXXX, and XXXX are incorrectly reporting payment history for my mortgage with XXXX XXXX. The mortgage was paid in full. I have never been late with payments. I want this corrected because they have negatively impacted my credit. They reported late payments and dropped my score nearly XXXX points. Once the load was paid in full my score went up only XXXX points. The credit bureaus are purposely keeping scores low in order to help companies charge higher interest rates to consumers especially XXXX XXXX XXXX. The game is rigged. Its sickening and I plan to sue them.
Product: Mortgage

Dear Sir/Madam, I'm reaching out because I'm in a tough spot with my mortgage. 
On XX/XX/XXXX, my old mortgage company, GMCC ( General Mortgage Capital Corporation ), passed my mortgage to a new mortgage company, XXXX XXXX. But they didn't sort out my XXXX payment ( mortgage monthly installment plus extra principal that due on XX/XX/XXXX, {$5000.00} paid on XX/XX/XXXX to GMCC ) properly. I waited over 45 days for XXXX XXXX to get my payment, but they said they didn't get it. I tried contacting GMCC but they just said to wait. 

Now it's been 45 days, and XXXX XXXX still hasn't got my payment. I'm worried and confused because I don't know what's happening with my XXXX payment for the installment due on XX/XX/XXXX. Neither of the lender said they got the money, or refunded the extra payment. 

Meanwhile, to avoid late fees, I had to pay twice on XX/XX/XXXX for same mortgage installment that due on XX/XX/XXXX to XXXX XXXX, double payment for sure because the previous payment to GMCC never applied. 

Can you please help me figure this out? I really need some assistance with this issue. 

Thank you for your help.
Product: Mortgage

I have been working with Loss mitigation since XX/XX/XXXX. On XX/XX/XXXX they filed foreclosure fees and had advised that was an error when I called in XX/XX/XXXX since I was on forbearance. Now Property is under contract for closing scheduled for XX/XX/XXXX for cash offer in the amount of XXXX. When I got my payoff amount they added additional fees that were had suppose to have been removed and never were. The payoff amt is XXXX and after closing fees i would need to come out of pocket XXXX. Which i do not have. 
Ive sent emails requesting the fees to be removed and they told me they will not! And i need to complete a short sale which can take up to 90days. This cash buyer will back out by then.
Product: Debt collection

I have continued to dispute the false information that XXXX XXXX XXXX has placed on my XXXX credit report and will continue to do so, until this is deleted. It is obvious how seriously that this collection company takes this, as they close out my complaints in less than 24hrs without any real investigation.

AGAIN, I NEVER received any bill for this debt from the original creditor-XXXXXXXX XXXX XXXX XXXX- who is a third party billing company out of Ohio . XXXX XXXX XXXX XXXX- based in Ohio , has been found guilty of fraudulent billing in several cases. I have NEVER been a patient at XXXX XXXX XXXX, in XXXX, OK. XXXX  has falsely claimed that XXXX XXXX XXXX is in XXXX , OK, which it is not, it is in XXXX  , OK-this first claim shows that their information is clearly flawed. AGAIN, my credit report shows the information given from XXXX-claims the original creditor 's service being XXXX  of XX/XX/XXXX. Their claim of me being seen at XXXX XXXX XXXX in late XX/XX/XXXX is not even possible, given the fact that this hospital was torn down in XXXX of XX/XX/XXXX after being struck by a tornado. It was rebuilt and opened in XXXX  of XX/XX/XXXX-reopened as XXXX XXXX XXXX hospital in XXXX, OK.

More importantly, XXXX   has refused to even address repeated request for validation of this debt, they refuse to provide ANY original documents proving what is owed. They are required to send proof that they own this debt or have been legally assigned this debt by the original creditor along with original documentation showing proof of debt.

According to federal law, if a debt collector does not verify the debt, it is not allowed to list the debt on a person 's credit report.

Also, the State of Oklahoma requires a creditor to provide the following documentation to prove the validity of a debt- proof of service, proof of breach of payment, copy of any contract or original account and documentation of assignment of debt. This information came directly from the Oklahoma Attorney General 's office, after I submitted copies of all complaints/disputes with XXXX.

XXXX has now refused to comply on multiple occasions and attempted to make me think that I am incorrect and that the burden of proof lies with me, not them.

XXXX is required to show proof of this debt, not pass the buck on to me.

AGAIN, XXXX  has shown zero proof of anything being owed.

XXXX has a well established history of fraudulent activities.

XXXX  refuses to provide any documentation/consumer disclosure file on this debt.
Product: Credit reporting or other personal consumer reports

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