23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX a voice mail was left on my jobs VM. The caller says her name was Mrs. XXXX with the XXXX XXXX represent XXXX XXXX saying that she was looking to obtain a statement against me and my SSN. I called her back twice to she what this was about ..there was no answer she then called me on the XX/XX/XXXX and told me that she was hired to collect on a PayDay loan with XXXX XXXX XXXX back in 2015, I told her that I hired a company to settle that debt .. She then start telling me that she been doing this a long and that I'm lying like everyone else she's talked to and that if I don't produce a receipt showing a XXXX balance then they would take me to court and garnish my check ..I told her I would look through my E-mails and see if I could find anything she told me I had by the XX/XX/XXXX at XXXX XXXX because she have reached out several times and sent letter that I didn't respond to and I told her this is the first I heard of this and asked her not to raise her voice at me because I wasn't raising my voice at her and If they wanted to take me to court I'll explain to the the Judge the same thing I told her ..she told the Judge would care and that I end up paying more money in court cost and I should ask a family member to borrow the money because if I wanted to take care of this I would have been done already.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX  submitted a hard credit inquiry to Experian for a car loan in my name and social-security number. I did not apply for any car loan this year to XXXX XXXX XXXX or anyone else. On XX/XX/year> I called XXXX XXXX XXXX  and with great difficulty I finally reached someone who identified themselves as being with the auto-loan fraud team. This person, who identified herself as XXXX in South Carolina, said her team would investigate, close down the loan application, and have the hard credit inquiry removed from Experian. She gave me a case # of XXXX, and said I would hear from them. I have not heard anything from XXXX XXXX XXXX since. 

I called XXXX XXXX XXXX again on XX/XX/year>, and again with great difficulty I was able to get someone who said they were on the auto-loan fraud team. She identified herself as XXXX. XXXX said she could not find any information under that case #, or any other information about the fraudulent loan attempt. She said a " fraud analyst '' would call me back. No one ever called. 

The XX/XX/year> hard credit inquiry from XXXX XXXX XXXX remains on my Experian credit report.
Product: Checking or savings account

I woke up today ( XX/XX/XXXX ) and noticed I had been double charged and triple charged on ( XX/XX/XXXX ) for a previous purchase this month from " Coinbase '' the digital currency exchange. XXXX, XXXX, XXXX, XXXX - Totaling XXXX I've e-mailed Coinbase 3 times and gotten generic responses and couldn't get anyone on the phone. My bank acct is in the negative now and I'm fearful I will incur some overdraft fees because of this. 

Thank you
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I tried creating a Venmo account in XXXX of XXXX for the first time. I was told I already had an account associated with my phone number. I sent an email in and got a return email stating I needed to send in my id and phone statement. I did that and got a response stating because of an issue on XX/XX/XXXX I will not be able to open an account. This is as a result of fraud. I have never had a Venmo account in my life. My bank account, social security number, credit cards were all compromised. This history does not belong to me!
Product: Credit reporting or other personal consumer reports

This complaint was my follow up to XXXX and Equifax Credit Bureaus. As I am hopefully expecting that the XXXX and Equifax Bureaus to remove these fraudulent inquiries from my credit reports. And for that I am sending this complaint again to make certain that the you, the credit bureaus will remove these listed fraudulent inquiries : XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute the accuracy of the information being reported on my consumer report regarding an account with XXXX XXXX. Specifically, I am requesting verification of the original instrument of indebtedness associated with this account, as required under 12 U.S.C. 83, which states that no XXXX XXXX shall make a loan or discount on the security of the shares of its own XXXX XXXX.

Under 12 U.S.C. 83,
financial institutions are prohibited from securing loans or discounts using their own XXXX XXXX as collateral. Therefore, I am requesting the Consumer Reporting Agency to ask the financial institution to provide Proof of the Original Instrument of Indebtedness that supports the validity and accuracy of the debt being reported. 

REQUEST ACTION : I request that the Consumer Reporting Agency take the following steps to resolve this dispute : Verification of Debt : Please request the financial institution to provide valid and legally enforceable documentation, including the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of 12 U.S.C. 83. 

Removal of Inaccurate Information : If the XXXX XXXX is unable to provide sufficient proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure the accuracy and fairness of the information reported.

Provision of Supporting Documents : Additionally, I request copies of all supporting documentation used to verify the accuracy of the account information, including any loan agreements, contracts, or financial instruments that prove compliance with 12 U.S.C. 83. 

Compliance with FCRA : As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information contained in consumer reports. Without proof of the original debt instrument, the reporting of this account is both inaccurate and incomplete, in violation of the FCRAs accuracy requirements. 

Please confirm receipt of this letter and provide me with a detailed response regarding the steps that will be taken to verify the disputed account information. I expect a prompt investigation and resolution in accordance with federal law.
Product: Debt collection

I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it i got scared I didnt want to go back to jail again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  account XXXX  XXXX, XXXX XXXX  account XXXX XXXXXXXX, XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX 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 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Please see attached Letter Dated XX/XX/2020 Regarding CFPB Complaint Nom XXXX To Attorney XXXX XXXX Senior Vice President & Counsel First Horizon Bank Email sent to XXXX XXXX
Product: Mortgage

I have been trying to resolve this since finding out in XX/XX/XXXX that my mortgage was being sold by XXXX to another company XXXX. At the time I was on a forbearance plan due to company furloughs because of XXXX. I was planning to resume payments in XXXX which I wasn't able to do because of the transfer. I filed a complaint on this website on XX/XX/XXXX because XXXX  failed to reply to my numerous requests for information. They did however send you a letter so the case was closed even though my questions and concerns were never really addressed. Despite my leaving numerous messages since then I still have not been contacted by the person they say is over my account. They did finally apply the funds by XXXX  to my account and sent me the modification documents stating it was done and I was to begin paying on XX/XX/XXXX. I am still however waiting to see if the XXXX funds will be approved and applied to the remaining past due, as of the last conversation with them XXXX had still not replied to their requests either. Now on XX/XX/XXXX I received another letter from XXXX saying they have sold my mortgage to a new company called XXXX XXXX and I am to begin paying them effective XX/XX/XXXX. I have been in this house since XXXX and until XXXX and XXXX never missed a payment. I do not want to lose it but this mess has gone on long enough. Will you please tell me who to contact if you can't help this time as I am beyond fed up!
Product: Money transfer, virtual currency, or money service

XX/XX/18- approximately 18,000 was stolen from my Kraken Exchange cryptocurrency account.

Emails were sent back and forth, Kraken does not have a phone number.

Kraken claimed my email was compromised, allowing a hacker to steel my cryptocurrency. Kraken provided no proof of this and law enforcement does not believe this was this case.

Detective XXXX XXXX XXXX XXXX XXXX XXXX   POLICE CYBER CRIME INVESTIGATION UNIT Office : XXXX Mobile : XXXX   XXXX  Kraken is a huge exchange and I am filing this complaint because in order to get authorized to buy and sell cryptocurrency, Kraken required a great deal of proof of identity, I had a password on my account and a XXXX. Kraken states that someone was able to change my password and once in, took the XXXX off the account. This should not have been allowed to happen! Kraken sends an email when someone tries to change the password. ( I never got this email which is why Kraken believes someone hacked my email account ) Regardless, with all the proof of identity that Kraken requires, why would Kraken allow a XXXX   code to be removed with a check mark? This code was needed to withdraw funds. Why was there not more security? That should be a red flag and further proof of identity should have been required.

My complaint is against the Kraken Exchange for not securing my funds with an in-depth proof of identity when a XXXX XXXX code is removed from a clients account.

This comment was included in the files given to law enforcement : " Update, client now appears to be part of mass compromise. Review ongoing. '' Kraken advised Detective XXXX to file a complaint through CFPB.
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the XXXX federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX - XX/XX/XXXX- has violated my rights. 

XXXX XXXX, XXXX XXXX - XX/XX/XXXX - has violated my rights. 

XXXX - XX/XX/XXXX- has violated my rights. 

XXXXXXXX XXXX - XX/XX/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 a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted
them without notifying me 5 business days after and certifying that the items was validated properly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have formally requested that XXXX XXXX XXXX XXXX  validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.
Product: Credit reporting or other personal consumer reports

I have reached out several times to wells Fargo, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXXXXXX XXXX XXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of Rico which is a crime they can do jail time as well pay a fine. Every single contract was based off of fraud because I was never given full disclosure. I asked for a lawful contact in wet ink signature which no one could provide also we the people are the credit at the moment of signing they give triple the amount of the loan and they fill a 1099 on top of that which would be double dipping. I have reported these companies to the XXXX  and the United States courts of federal Claims due to misconduct everyone have been commiting fraud against we the people and I have several documents to prove it I would appreciate it if they would remove this illegal unlawful accounts off my report immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occured. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I traveled to XXXX and rented a vehicle from XXXX from XX/XX/23 till XX/XX/23. I took pictures of the vehicle condition report when I picked up the vehicle and when I dropped it off. The vehicle condition reports were signed by both parties and were identical. They did not show any additional damages when the vehicle was dropped off, and the photos I have included show properties of when and where they were taken. The receipt they provided to me was charged an hour later from when I dropped off the vehicle and it did not have my signature authorizing this charge. I was already at the airport checking in for my fight when they charged my account. I also had full coverage from a third-party company that they are affiliated with for which they should have used to recover any such dames instead of charging my Chase credit card. I have tried numerous times to resolve this issue with Chase, but they refuse to honor my documents i provided to them and have sided with the merchant.
Product: Credit card or prepaid card

On or about. XX/XX/2020 I was looking at my XXXX  account and saw my husbands Walmart/Capital one card on my credit report. My husband and I spoke before about why my name was a authorized user on his card when I had my own Walmart/CapitalOne card with a higher limit of XXXX and his was only XXXX. I called XXXX  and tried to explain it to the while my husband was sitting there with me and I was advised to file a dispute that he said he could do for me I explained the situation and said my husband didnt want my name on his card my husband gave me the last 4 of his credit card and I told the man my last 4 Numbers I told him the XXXX # # was my card that card is fine my husband wants my name off his and gave him the last 4 of XXXX card thats all I wanted to do but I checked dispute report about XX/XX/2020 and saw it was deleted. I called Walmart/Capital one and asked about my card they sent me to fraud department after identifying who I was they said my card was closed due to fraud. I explained that it was not fraud and that I have payments that need to be made and I was told I couldnt make a payment on it either I told them Im trying to get my credit together and I dont want to miss any payments that can mess with my credit. I was told I can write a letter explaining what happened send 2 forms of ids and have it notarized. I had already applied for a social security card so I waited a few weeks it didnt come so I called Capital One again was again sent to fraud department and tried to explain my situation again and was hung up on at least 3 times finally talked to man at Capital one explained my situation again I was put on hold the man returned and said he would transfer me to another department I asked for the direct number so I could call he said wasnt one. I told him I was told by a lady in fraud department to fax info with 2 forms of ids and could I use my XXXX card he said no social security card and picture Id but I cant fax it I can only mail i t to Capital one XXXX XXXX XXXX XXXX XXXX Utah XXXX .i have just received my social security card and will try to get a letter notarized but my bank only has drive up  service but Im trying to get some answers here.
Product: Prepaid card

I have 4 separate prepaid gift cards from XXXX XXXX that amount to a total of {$700.00} that I can not seem to be able to use anywhere- The card can not be added to my online wallet, I can't use the virtual card in store and I can't add it as a payment method online at checkout. It constantly get rejected. 

I need to have this money reimbursed in the form of a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX Date open XX/XX/XXXX  balance XXXX and loan by phone/ XXXX XXXX XXXX acct XXXX XX/XX/XXXX  balance XXXX both this debt was settled with collections and TransUnion XXXX and XXXX will not fix after multiple disputes and have sent settlement papers and keep coming back verify without stating how they verify that debt was validated
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of last year I decided to work on bettering my credit. While checking my Equifax reports in XXXX I discovered that there were several accounts reporting that did not belong to me. The agencies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Being that I have never heard of these companies nor I have done business with them before I asked to have these debts removed. In a letter date XX/XX/XXXX I sent this company a certified letter asking for debt validation. The company did not reply. In a letter dated XX/XX/XXXX I sent another letter stating that since the company failed to investigate my disputes in the given time frame of 30 days that they must by law remove all the debts. Late XX/XX/XXXX the company finally replied to my compliant with a letter asking for me to verify my identity which I did in a letter sent dated XX/XX/XXXX. On XX/XX/XXXX the company responded to my XX/XX/XXXX letter with the same letter that I received in XXXX leading me to believe that the company is stalling on investigating my disputes. Because this company has not made the effort that they are required to by law to service me as the consumer I feel that I do owe these debts and want them removed immediately from both of my Equifax report.
Product: Mortgage

On XX/XX/2020 is when we went onto the forbearance and we are currently in it. They will not defer the payments because it is a VA back loan, and the VA will not defer VA loans. Loan care has just been sending trails of letter stating that I am still under deferment and if I want to stay under deferment let them know. As of XX/XX/2020 I was able to talk with a live rep at this company who stated they could only send me more letters and they do not have a phone number to contact them however, one of the letters were sent stating I have a rep officer who will be handling my claim from here the number and email were never answered of this make believe individual.