23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Product: Debt collection

The company calling me keeps saying that I owe them money for a XXXX account. I called XXXX Bank and spoke with them and they said that my account was closed in 2009 in good standing and it was closed because I had not used it in multiple years. This company is calling me saying that I owe them {$1500.00}. The credit limit of the credit card was {$300.00} and it closed in good standing 15 years ago.
Product: Credit reporting or other personal consumer reports

I have disputed these XXXX loans that are on my report that should not be. I'VE let the bureaus know this loan has been transferred to another company and should not still be reporting on my credit report. The Bureaus Experian and XXXX are telling me they verified the information which is not true. I spoke with two Representative from XXXX which stated they did not verify with them and these accounts should not still be reporting on my credit report. I also have a letter from XXXX that my loans have been transferred to another company.
Product: Mortgage

I have not been able to find out any information on my mortgage account for years. 
Every time I try to speak to someone to someone At Wells Fargo concerning my account they give me a story. They say I am in litigation of someone else is on my account and they ca n't speak to me. They have had me locked out of my account for years. I have been served with foreclosure papers, but Wells Fargo would not allow me to qualify for the needed help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2022, I checked my spam folder and noticed 2 emails, sent by two different individuals on different days, both stating that a case would be downloaded in a few days that the court house if I didn't pay back money that was owed. It listed options but never once stated the business that the money was owed to. In the emails, an individual is listed as a point of contact as well as other allegations that will be used against me. They are : XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER I have not reached out as it was in my spam folder, but those are hefty allegations to put against someone without giving them ALL information.
Product: Consumer Loan

I filed a complaint against a buyer for an item I had purchased on XXXX. Paypal told me in order to receive my refund I would need to return the item and provide proof of tracking. I returned the item and sent PayPal proof of shipping from XXXX. I provided a tracking number, picture of receipt from XXXX stating the address it was sent to, and provided picture of the label ups printed on the package. I sent the item to the exact address Paypal told me to send it to. Paypal then told me I 'd receive my refund in 24-72 hours. It 's been 10 days and still no refund. When I call Paypal they keep telling me to provide the same proof and I 'll receive my refund in 72 hours. Like I said it 's been over 10 days and still no refund.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

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

Hi, it's impossible that an investigation was ever done on this account from XXXXXXXX XXXX  Credit card with a balance of {$380.00}. XXXX had deleted and permanently removed from their data, but however, XXXX and Transunion continue to ignore my request. 

Look closely at the attachments and you'll see that its impossible that this account could ever be verified under consumer laws. It's reporting 2 different dates under the Dates of last active ( TU : XX/XX/XXXX ; & XXXX : XX/XX/XXXX ) Inconsistent with payment status or payment history. Once account has been charged off and closed there shouldn't be any more payment history like XX/XX/XXXX or " CO status. Also it's reporting questionable and misleading dates of 1st delinquencies. The high balance on charge off on XXXX is reporting {$0.00}, whereas, Transunion is reporting {$2200.00}. I mean the list can keep going on and i'm surprised that it was flagged as verified. How is this possible? See the attachments and this is a violation of my consumer rights. delete now
Product: Money transfer, virtual currency, or money service

I opened a regular Coinbase account on XX/XX/XXXX2021 of this year. After discovering that transaction fees were lower on Coinbase XXXX, I also opened a Coinbase XXXX  account on XX/XX/XXXX, which was linked to my regular Coinbase account, and funded the Coinbase XXXX  account with three deposits via ACH from a linked bank account : 1. {$25000.00} ( on XX/XX/XXXX21 ), 2. {$11000.00} ( on XX/XX/XXXX ) and 3. {$5900.00} ( again on XX/XX/XXXX ). On their interface, Coinbase implies that the Coinbase account and Coinbase XXXX  are linked but separate accounts. 

I executed one purchase of ~XXXX  BTC on XX/XX/XXXX for {$25000.00} and had the remaining ~ {$16000.00} sitting in a cash reserve. On XX/XX/XXXX, Coinbase XXXX  froze my ability to execute trades on the basis that I needed to verify my identity. On that day, I made multiple attempts to take photos of and webcam shots of my driver 's license and photo capture of my face, and failed more than 3 times over the course of multiple hours before my documents were finally accepted. The experience was so incredibly poor and the {$5.00} credit offered for my troubles was sufficiently insulting that I asked Coinbase to provide information about closing my account, given my frustrations with verifying my account and re-gaining the ability to make trades and withdraw funds. 

On XX/XX/XXXX, I received an e-mail from Coinbase providing me with a link to close my account. My plan was to 1. close my regular Coinbase account ( which had a {$0.00} balance ) and then 2. close my Coinbase XXXX  account ( which had the amounts listed above ). After completing # 1, however, my Coinbase XXXX  account has now also disappeared, and when I try to re-register with my original e-mail address, am being told to set up a new account. To top it off, I am currently in XXXX XXXX as of XX/XX/XXXX21 ( my account was opened in the US on XX/XX/XXXX ) and will be here until the end of XXXX for the XXXX of my XXXX  child. When attempting to troubleshoot the issue through Coinbase 's customer support system, I received an automated message claiming that they only offer " self-help customer support '' in my region of XXXX XXXX, despite the fact that I have a permanent US address. 

As I do not have access to the ~ {$42000.00} in aggregate BTC and cash that had been sitting in my Coinbase XXXX  account, it appears to me that Coinbase has seized my funds without offering any ability for recovery.
Product: Mortgage

My loan was purchased by Mr Cooper DBA Nationstar Mortgage without my knowledge or consent. This company has highly questionable business practices, at a minimum. Not to mention theyve made reaching a real person for help, IMPOSSIBLE, on purpose. This entity has already had to pay out very large fines for their predatory & unethical business practices.

Ive been trying to get my escrow account removed, as my original lenders software had an error occur upon submission, which asked for an escrow account. Ive only been able to reach someone by chat & was initially told that this error would be corrected within XXXX business days. After the XXXX business days I found that nothing had been done/fixed. I tried reaching someone by phone but the automated system is set up so that you are not allowed to reach a human. So, I started another chat ; only to find out that Mr Cooper can only review my request & will only fix it if THEY FIND IT NECESSARY. Which, I was told- THEY DONT. Please, please further investigate this entity ASAP!
Product: Debt collection

I was trying to get some help from my lender Chase Bank by modified the loan due to reduction in my income, instead of helping me they always harassed me and taking too much time to take decisions, they asked me to submit a application like XXXX different time, one time they offer me forbearance agreement and asked me not pay your mortgage for two months and then they withdraw the agreement and I fall behind for three months payments, On XXXX XXXX or before the escalation department representative call me and offer payment plan and ask me to pay at one month payment then I will arrange a payment plan and did one month on XXXX XXXX, 2016, when called for payment plan they harass me so badly and told you must pay total outstanding or you will lose your home because you promise to pay total amount on XXXX XXXX, 2016, I told them that I just promise to pay only one month not three month but they deny me and lie to me and almost gave me XXXX XXXX by using harassing language, please help me and impose very heavy penalty on bank.
Product: Credit reporting or other personal consumer reports

Per XXXX XXXX apartments located in XXXX XXXX, FL I call the apartment complex on multiple occasions no answer.I called the report agency and told them that is not me I never stayed there i also made multiple attempts to the XXXX and made multiple complaints as my apartment was molded I when I moved into the place all the appliances was there it took them 2 months to come into my place to see about this mold situation I also asked for a lease with a wet signature which was not provided I call the credit bureau to remove this item off my credit asap which is considered as fraudulent
Product: Vehicle loan or lease

date opened XX/XX/XXXX Wells Fargo Bank XXXX. Paid off {$7400.00} XX/XX/XXXX. XXXX XXXX XXXX XXXX # XXXX. 


I had an auto loan with Wells Fargo Auto that I paid off {$7400.00} on XX/XX/XXXX. It still shows up on my credit report as open and past due. I paid the pay off figure they provided. I did receive a letter showing it was paid off but its still on my report. I have contacted the company several times and the last thing I was told that all they could do was send another letter. They also said it won't be removed until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made fraudulently in my name due to the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$560.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$430.00} XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$380.00} XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

My auto loan was through Ally financial. They did not give provide the Cobb Notification letter they are required to send me since they were accepting my late payments. They are Ally financial and have class action law suits against them for this exact issue and also within the state of Minnesota where they paid {$780.00} in settlement due to them not following proper protocol per state laws. I got behind in payments when I was laid off last year, notified them of my lay off, they wouldnt do any payment arrangement or payment assistance since my loan was so new so when I regained employment I have been paying monthly payment plus additional amount each month to get caught up. They closed my account in XXXX regardless of those payments they had been accepting ( without me knowing it until today ) and continued taking my payments. Last payment was on XX/XX/23 for {$900.00}. They repod vehicle on XXXX with no Cobb notice sent to me. I would have been able to get completely current with my auto loan within the next 30 days if they would notified me of the repossession action and allowed me to make large payments now and then in two weeks when I get paid again. They are telling me since they closed my account they wont even allow a payment arrangement to get current and I either pay loan in full or they will sell my vehicle.I could have paid entire amount owed in back payments ( which only was equivalent to two monthly payments ) today and got the loan current. They will not work with me whatsoever and refuse to listen to me about how they didnt comply with the Minnesota state laws regarding the Cobb notice requirements.
Product: Debt collection

Viewing my credit report in detail, I noticed an account was opened using my credentials with a company going by the name of XXXX XXXX XXXX XXXX on or about XX/XX/2016. It claims it has been placed in collections for the amount of {$630.00}. The account status is still labeled as open. I have received a derogatory remark on my XXXX Credit report making it very difficult for me to obtain the credit that I need. I have never at any time received any mail or bill from this company. I have never had any account with XXXX XXXX XXXX, this is not an account of mines or I have ever opened. I would like to address this immediately. I would like this derogatory remark removed from my report.
Product: Checking or savings account

On XX/XX/XXXX i sent in a Cease to stop with drawling from my bank on XX/XX/XXXX XXXX responded advise it was honored. on XX/XX/XXXX Money Lion still with drew XXXX out of my bank and tells me my email was placed on another account that's why payments were not removed and now they can not refund my money after i spoke to a gentlemen who told me it was approved to be refunded i have all the documents proving i sent in a cease and it was placed on the wrong account
Product: Credit reporting, credit repair services, or other personal consumer reports

None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. XXXX isnt even reporting on here but i have my XXXX report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX account # XXXX The bureaus had 60 days to fix this and by law they had tO fix this within 30 days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with XXXX, and i will come after XXXX and experian. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT 14 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried unsuccessfully to have my bankruptcy removed ; it has hindered my entire young adult years and I am unable to do conventional things like obtain a credit card and get a mortgage when I already own a house. I have filed multiple disputes with all bureaus and nothing happens with this bankruptcy.
Product: Debt collection

On XX/XX/2020 I received a text from my sister saying she thinks she received a spam email regarding me. The email, sent by XXXX XXXX XXXX, was a debt collection email. This email contained my full name, the amount of debt, the account number and all of my personal information. This was sent directly to my sister and was never sent to me. I asked my sister to forward me the email and upon viewing the email I believed that this was a spam email because I did not owe money to any company called XXXX XXXX XXXX. But reading the email it appeared they are attempting to collect a debt that's owned by another debt collector. 

When addressing this with XXXX they dodged my questions on why this happened and why they are contacting me and instead tried to shake me down for money.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute registers mail with return receipt on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed the payment for XX/XX/2020 as was unable to contact the bank ( J.P Morgan - Chase ) over the phone as I was on Furlough effective XXXX XX/XX/2020. However I paid the pending payment in XX/XX/2020 and currently current on my account. 

I spoke to the bank in XXXX and they waived off the late fee, However the bank report the the late payment for XX/XX/2020 on XX/XX/XXXX which bought my credit by more than 100 points. 

I spoke to the Chase Morgan and they raised the order but after 4 days waiting period the bank refused the repair the credit score as they stated they did fair reporting and got nothing to do with Covid problem and got nothing to do with what the US government assurance and legislation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Mortgage

I have a mortgage loan with Customer Service Inquiries and  Payments LoanCare ( XXXX ) Attn : Customer Service XXXX XXXX   XXXX XXXX  XXXX, VA XXXX Telephone : XXXX Fax : XXXX Monday - Friday XXXX XXXX. XXXX XXXX. ET Saturday XXXX XXXX. XXXX XXXX. ET. 

I was in forbearance and after I applied for deferred balance, they put it and the end of loan. I continue doing my monthly payments. Now that interest rates are lower, I try to refinance but the new company asked me to pay for deferred balance in order to qualified me. I have called LoanCare and I explained that I would like to pay my deferred balance because I'm going to refinance with a lower interest rate. They said '' I can't pay my deferred balance because the deferred was processed and move it to the end of my loan, that I have to pay all my loan in order to pay the deferred balance ''. I asked them if they can refinance my loan and they said, ''LoanCare do not refinance loans, I was told. '' I have spoken with them several times, and one of those calls, the new company that I'm trying to refinance called them in 3 lines call as well and explained them that  was unfair that they are doing this to me, and asked them to find a Soluciones for me but so far, they are not willing to help me. LoanCare company never told me that if I applied for deferred the only way to pay it off it was going to be until I pay all my loan first and that will be a problem if I would like some day to refinance. I was not aware of that. If I was aware, I will never do something like that. Now I'm so frustrated that I'm locked in to that company with that high rate because they do not let me pay my deferred balance.