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

I reported an identity theft back in XXXX since then I noticed a charge off on my credit for a vehicle not purchased or authorized by me. I have filed several reports with all three credit bureaus to have this derogatory account removed and to date in XXXX they still have refused to remove this account. I am once again asking that this account be removed from my credit report on all three bureaus it has been investigated as an identity theft I have attached police reports as well as other identity theft reports. I need for this to be removed immediately in the interest of my job. I can not have derogatory marks of any kind on my credit. 

The name of the Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect, and should be removed from my credit report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX
Product: Checking or savings account

On XX/XX/2022, Allybank locked me out of my account. I only had an account with them for a few days. So I called customer service to find out why they locked me out of the account. I was then notified by a member of the fraud department that they locked me out because of suspicious activity. I informed them I am on XXXX XXXX orders and a member of the United States XXXX XXXX and currently XXXX to XXXX in XXXX. They then asked for pictures of my social security number and birth certificate. I told them I did not bring those documents with me on my XXXX. But I can give them a copy of my military orders showing I was in XXXX for official duty. They then told me that wasn't enough and ultimately locked me out of my account and closed it. I believe my military orders should have been enough for them to verify who I was and that I was not a person committing fraud. I called multiple times to try and get this situation cleared up but they told me there's nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXXXXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX XXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.
Product: Debt collection

NOTIFIED NAR over the phone I I would be sending first an affadavit letter by certified mail with RETURN receipt and then a followup letter including my police report to show the XXXX account was closed due to fraud. Under federal law I am within my rights to exercise my FCRA and FDCPA rights under the section of the federal Bill of rights and fraud rights of Identity theft under federal law. They sent a letter back violating my rights stating my affidavit was frivolous with a screenshot of a computer image. Now I am requesting for the CFPB to get involved during this dispute process with NAR. For each violation I plan to file a new claim with the CFPB for each occurrence including but not limited to litigation if deemed necessary.
Product: Money transfer, virtual currency, or money service

This all began with a message sent to me through my XXXX  account by a woman named XXXX XXXX 
XXXX XXXX XXXX XXXX.

Eventually she gained my trust to start a self-directed crypto investment account on Crypto.com and Crypto XXXX XXXX. Both of which looked totally legitimate. She was
promising to teach me how to invest in crypto currencies to make profits. She had me start very small with XXXX experiment, which yielded a gain of XXXX. After this I was talked into taking my government Thrift savings account and putting it to work in the same manor. Since I had retired last XXXX XXXX, I could move all my XXXX  monies, XXXX out and into what I thought was totally a safely guarded account of my own on Crypto.com and then XXXX XXXX that I was sole ownership of. After
another set of transactions where I gained 25% profit, she encouraged me to up the amount of earning by taking some loans out that supposedly would be only used for the short term and I would be able to pay back on the short term.
 
These loans amounted to XXXX  on a XXXX XXXX, and XXXX on a home equity loan. Once these came through, I moved them into the same account and waited for her to show me how to make the investments earn profits as before. That didnt happen of course, and she has been quite ever since. My account still shows that I supposedly have all my money there, but now when I go to transfer back, I get a message that
says my funds have been frozen and to contact customer service for processing. When I open the online window and ask for help, there is only one reply which is "How may I help you?"  I then ask for problem resolution and there is never a response to what ever I ask. 

This fraudulent scheme used Crypto.com and Wallet to transfer unwittingly to a supposedly secure self-directed crypto wallet that I thought was using Crypto.com XXXX XXXX, when in fact my funds were sent to this url: XXXX
Product: Vehicle loan or lease

Purchase car XXXX XXXX XXXX XXXX 
Used wells Fargo dealer services to pay car off. Couldn't make bigger payments to finish paying off the vehicle quickly. I finally paid off the car XX/XX/XXXX. 
I was supposed to get a check of {$540.00} due to being off paid before due date and from gap. I never got the check and also had overdraft fees from wellsfargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : XXXX, XXXX & US DEPT OF ED/XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter
Product: Money transfer, virtual currency, or money service

i purchased a XXXX laptop from XXXX using my cash app. I was charged twice for the XXXX purchase. the first charge i paid myself.. the second time i was charged for the same purchase my cash app WAS LOCKED and money should not have been able to be moved out of the account. I have digital copies i can send of these transactions and denial of dispute.
Product: Student loan

I am XXXX. My student loan was forgiven in XX/XX/2015, Since that time and earlier, I lived on {$750.00} per month social security and SSI XXXX per month. Nelnet is trying to collect my forgiven loan by stating it was re-instated. My income did not increase more than {$5.00} over the years. Every since my loan was forgiven scammers have tried to collect it from me and of course their interest is astronomical. I went to Nelnet 's website to complalin and they require a social security number. I am not giving my social security number to anyone. My doctor has filled out additional paperwork to prove I am XXXX no less than 3 times. I refuse to ask him to do so again because it does no good. How can a loan be forgiven, then out of the blue be reinstated? It was forgiven! I am still XXXX. No cure has been found! I have XXXX XXXX. 
Here are their addresses : 1. U.S. Department of Education Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX 2. XXXX XXXX XXXX TX XXXX XXXX and XXXX XXXXXXXX Then, XXXX XXXX XXXX All of this in one letter to me. I feel I am being harrassed for the 20th time from someone trying to get money out of me. That loan shows paid on my credit report and I don't want these people changing that. All these years I have lived on the little cash I had except for my car loan and I don't want them messing up my credit. Please help me. I do not want to make my doctor fill out paper work for this forgiven loan for the 4th time. The student loan webiste says 3rd party collection is not them. I refuse to give someone I do not know my social security number. I have been hacked more times than I can count. Can you please resolve this. There is no good reason my forgiveness should be changed. If forgiven, isn't it forgiven? Thank you so much for your time. I feel those of us XXXX are constantly being harassed for student loan money. Seems too that our forgiven loans keep getting sold to different scammer pennys on the dollar. When I was forgiven, I believed that to be true. It was at one time.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. US DEPARTMENT OF EDUCATION never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts upon request. This debt collection account has not been properly verified, which is a clear violation of these federal laws. The recent court case ** '' XXXX XXXX XXXXXXXX, XXXX, '' 33 F.4th 1246 ( 11th Cir. 2021 ) ** reaffirms that credit bureaus must conduct a thorough and reasonable investigation into disputes to ensure that reported information is accurate. I demand that you conduct a proper investigation, remove this unverified debt from my credit report, and provide written confirmation of the correction. If you fail to take this matter seriously, I will consider pursuing legal action to enforce my rights under the FCRA and FDCPA. Thank you for your immediate attention to this dispute.
Product: Checking or savings account

I was in the citi bank settlement and never received paymens at this time i have no accounts at this for banking my address is XXXX XXXX XXXX XXXX ca XXXX for XXXX XXXX XXXX my phone number to reach me at is XXXX. also I was in the XXXX XXXX settlement and i never received the refund also the citibank settlement either. also I'm a victim of identy theft where someone one has open all kinds of accounts with my info first XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, citi bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and taxes with XXXX and receiving payments with XXXX  for XX/XX/XXXX XXXX XXXX  XXXX and XXXX powerball payout. my ca dmv id XXXX was stolden for a whole year that they were using last year with my info I just recived a new one in XX/XX/XXXX XXXX if theres any way you can help me pleas contact me by mail XXXX XXXX XXXX XX/XX/XXXX ca XXXX or phone XXXX thank you sincerely XXXX  XXXX   als they had many XXXX XXXX  acciount with my info and XXXX cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Credit Bureau on multiple occasions asking to verify a bankruptcy on my credit report. I asked to verify when it was reported, who they talked to, phone number called, etc. They wrote back and just said verified. They never would give me what I asked for.
Product: Debt collection

Told them to send me proof of the debt. They refuse to. Keep calling with blocked or un registered numbers. Asked several time for them to stop calling. They claim they have the right to call as much as they want. Asked for managers name or legal rep and they claim to be a lawyer working the case.
Product: Money transfer, virtual currency, or money service

I contacted Coinbase on XX/XX/2018about my account being hacked and all my virtual currency transferred out. This was by phone. I was told they couldn't do anything as virtual currency isn't covered by their insurance. I also had money withdrawn from my linked checking accounts. The agent who helped me told me to send an email with more details and they would get a specialist to investigate. 

On XX/XX/XXXX coinbase finally responded back asking if this was resolved which it wasn't. 

On XX/XX/XXXX coinbase sent an email saying my account was closed. I ask about my transaction records etc for Taxes as I don't want to be liable for the transactions. 

On XX/XX/XXXX I get a response back saying a specialist would investigate. 

On XX/XX/XXXX I get a specialist response asking more details on what happened but no records. 

On XX/XX/XXXX I get an email saying suspicious activity was detected on my account and withdrawals would be 14 days. I still can't access my account. 

My PC was compromised by malware. I also use the XXXX exchange and they have better security measures in place. Both had 2 factor running. I unfortunately had the keys saved in my dropbox. After the initial login from my compromised PC coinbase still allowed IPs from different locations ( even out of the country ) to access my account where XXXX did not. XXXX also flagged the transactions as they weren't typical for my actions and coinbase did not. Point being the hackers tried XXXX but didn't succeed where as coinbase didn't even seem to flag anything. 

I've had my account with coinbase for years and nothing like this has ever happened. I put my trust in coinbase to help protect my virtual currency and they should at least be possibly responsible for lack of security. They convince their consumers that they are as secure as a bank which is false. I had to actually go to my bank to reverse the checking transactions to coinbase as they didn't do anything on their end.
Product: Checking or savings account

I am a client with WellsFargo bank. I have not had a monthly service fee since I opened the account in XX/XX/XXXX. However, in XX/XX/XXXX, I was suddenly charged a monthly service fee, and my checking account is automatically converted to " ClearAccess Checking '' without any notification from the bank. I have been charged the service fee for more than a year, and I have recently discovered the charge when I was perusing the banking statement in XX/XX/XXXX. This lack of transparency is extremely unprofessional for a bank, and I demand my monthly service fee to be returned due to this lack of transparency, and conversion of checking account /services without proper notification to their customer.
Product: Money transfer, virtual currency, or money service

I had invested money in a crypto trading broker back in XXXX, I traded for 7 days, made some money and when to withdraw and was told I needed to deposit money for commission, I did then kept being told I need to deposit more money for other fees and promising Id get my money after, now 6 months later still in contact with them still trying to get my money. Dont know where it is. Total amount t of money deposited was XXXX not including profit. I have wallet address money was sent to. The name of company was XXXX they claim they got hacked and now operate under the name XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal XXXX XXXX, I hope this message finds you well. I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. As a new user, I have not had the opportunity to engage in any activities that could have violated PayPal 's terms and policies. 

I understand that PayPal prioritizes the security and safety of its users, and I appreciate the measures in place to protect the platform. However, I believe there might have been a misunderstanding or an error in the assessment of my account. 

I kindly request you to thoroughly review the situation and provide specific details regarding the reasons for the blockage and limitation. I assure you that I am committed to adhering to PayPal 's rules and regulations and would like to resolve this matter as quickly as possible. 

I would like to emphasize that as a new user, I have not initiated any transactions or taken any actions that could raise concerns. I am eager to comply with any necessary procedures to verify my identity and regain full access to my account. 

To facilitate communication, please use the email address associated with my blocked account : XXXX. Kindly provide updates or any further instructions through this email. 

I am more than willing to provide any additional information or documentation required to verify my identity and resolve this issue promptly. Please let me know the steps I need to take to rectify the situation. 

Thank you for your attention to this matter. I greatly appreciate your prompt assistance in addressing this concern and enabling me to fully utilize the PayPal services. Should you require any additional information, please do not hesitate to contact me. 

Yours sincerely, XXXX XXXX
Product: Checking or savings account

I called Wells Fargo to have a something called a " cash back '' rewards program removed from my online banking account. I believe the HTML coding is stealing money and funds are leaving my account unnoticed. I called Wells Fargo in the past to have this rewards program removed and they have refused to removed the coding. All of the transactions in my online banking account are all out of order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX MD XXXX
Product: Credit card

I signed up for the American Express Platinum personal card XX/XX/XXXX. The offer was to spend {$3000.00} in 3 months and they would provide me XXXX membership rewards points. I met the terms of the offer and was provided the points XX/XX/2016. On XX/XX/2016, Amex removed the XXXX points from my account telling me I spent the money on reloadable cards. I did not spend the money on reloadable cards. I have various purchases at several retailers for different amounts. I find it unbelievable that they can take the points and tell me I did not meet the terms of the offer.
Product: Debt collection

On XXXX/XXXXXX/XX/2015 MCM willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe MCM any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against MCM.Thank you