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

In XX/XX/XXXX, my credit card was hacked and fraudulent charges were charged to my account. Instead of contacting me, USBank Visa abruptly canceled my card. This normally would not have been an issue, but I was on vacation at the time and it was my only means of paying for my car rental and car rental insurance. That is when I first realized this company has truly awful customer service.

When I called to determine if my car rental insurance was still active, I was on hold for over 30 minutes. I then needed to be fully verified. This took an additional 20 minutes. This is an issue because 1 ) They use publicly available information ( They even admitted to this. ) and 2 ) They needed to send a text message to my mobile phone. 

To address the easy issue first, the text message. My phone is from the early XXXX and it can not receive a text message while I am on the phone. It has never worked and even though I can answer all of their other questions, I can not be fully verified. I do not have a different number to use to receive this text message, so it isn't like I can just call from another phone. While I was on vacation, I was sitting in the rental car office on hold for nearly an hour trying to ask a simple question that didn't need any verification anyway. All I wanted to know was if my insurance would still be covered. 

Since XXXX, I have been trying to get rid of my mobile phone and though USBank has removed my number, USBank Visa will not. So, I am still paying for a phone that I never use and I can't change the number because I can not be fully verified. When I explain this to USBank Visa I am told that I will get a call from them to verify my identity and then everything will be fine. I have been trying to get this call since XXXX. The last attempt was on XX/XX/XXXX. I was told they would call back within 2 business days. It is now XX/XX/XXXX and I have not received a call from them. 

The second issue revolves around them using information that anyone can XXXX to verify my identity over the phone. It wouldn't be so bad if they used the standard information, like SSN, address, birth date. But USBank Visa has crossed a line and gone into stalker territory. I have been asked about my father 's middle name, my brother 's address, the city I was born in, and the state that issued my SSN. Granted the last one is available online, but knowing my relatives and having this information connected to my accounts is crossing a line. I have told them this and told them I don't want this information attached to my account. Their response is that this information is publically available and therefore open to them. I respond with, " If it is publically available, then how can it be used to verify my identity? '' I usually get transferred to a supervisor who tells me that I will get a call, but never do. 

Through all of this, it has taken 2 months to get my new card activated, though in the meantime I was charged my annual fee. So, I am paying my annual fee even though I can really only use it now for less than 1 year.
Product: Money transfer, virtual currency, or money service

A substantial amount of money was wired to XXXX ( Coinbase ) with the instructions followed down to every minute detail. The site states that transfers will be accepted same day if conditions were met. There was no warning of delays on the wire transfer page and my money has been missing for 4 days. I have contacted XXXX over 5 times and waited on hold for hours with the phone rep saying there is nothing they can do and wait for an email. I have received no resolution.
Product: Student loan

I called XX/XX/XXXXXXXX  to notify the MOHELA representative about the Covid 19 Emergency announcement on the studentaid website. Since my recert date is before XX/XX/XXXX, my recertification date should be XX/XX/XXXX ( pushed off by 1 year ). I was told that my IDR recertification would go through, and my XX/XX/XXXX bill would be the same. My MOHELA bill for XXXX reflected the continuation of my XX/XX/XXXX bill of {$420.00} I logged into my MOHELA account today and saw no XX/XX/XXXX bill, only a message telling me to recertify my IDR plan. 

I called MOHELA again today XX/XX/XXXX and the representative stated that I would be on hold and then hung up on me. I have tried calling again but have not received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX   XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX  XXXX {$7100.00} XXXX XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder Dispute
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information to my consumer report causing adverse actions against me. This is a direct violation of 15 USC 1681s-2. XXXX  and FTC reports have been sent to these companies and yet they continue to furnish these accounts. 

XXXX XXXXXXXX XXXX : acct # XXXX inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX
Product: Debt collection

This debt collection company continues to violate my rights through abusive practices. Pursuant to 15 USC 1692f ( 8 ) they put their logo on the envelope of an alleged debt. They did not inform me of my rights to dispute within 30 days pursuant to 15 USC 1692g ( a ) ( 3 ).
Product: Credit reporting or other personal consumer reports

This morning, I saw incorrect accounts on my credit report and have no clue how they appeared. I routinely check my report, but this time unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a glitch, but the false accounts remained. Due to this, I kindly request a thorough review of the documents I submitted to ensure I never have to deal with this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in the complaints attached requesting an update to my personal information. The companies have stated that this information was in the process of being updated. I recently pulled my report and still see the inaccurate information. This information is fraudulent and does not belong to me. I demand that this information be removed as requested. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX, XXXX XXXX Employers : XXXX XXXX XXXX, XXXX According to the Fair Credit Reporting Act " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy... 

( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.

Therefore, my position is being clearly stated, these personal information items as reported are in error, meaning that you are reporting inaccurate information within my credit file. The fact that these are inaccurate information means that you, this credit reporting agency, are reporting incorrect accounts/and or items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received {$2000.00} from a customer who purchased a XXXX XXXX XXXX. I ran the customers card via chases merchant account. WePay ( Chase XXXX ) closed my account on XX/XX/year> without a proper investigation. They did not reach out to me before making this decision. So the client has my puppy and Wepay has not informed me of whats happening with the {$2000.00} that I am owed. 

This was my XXXX time receiving payments via ChaseXXXX  since opening the account. The first payment received on XX/XX/year> was placed on hold. I received an email from wepay asking for information about my business : What type of services are provided? 
What is your website? 
What paperwork from IRS about your incorporation? 
Payment volume? 
And documentation regarding this sale. 

After submitting screenshots of the email thread with my customer, sending a copy of my ein, and providing the info about my business they approved the first transaction on XX/XX/year>. 


That was the XXXX transaction! This recent transaction had a very different and unfair/unethical account. 

They just closed my account XXXX after transaction with no proper investigation. 
I have documentation of the puppy listing on XXXX. I have screenshots of the conversation with my client. I have a customer signed pet contract. And I also have a picture of the client at my house with the purchased puppy before she left. 
I have no idea what WePay is doing with my {$2000.00} because they are very slow to respond to emails and they dont have a customer service number to call.
Product: Credit reporting or other personal consumer reports

Innovis ' negligence and continued retention of fraudulent credit information are severely impacting my finances and personal well-being. I have repeatedly demanded the removal of fraudulent items appearing on my personal credit report. However, there has been absolutely no legal proof provided to substantiate the marks listed on my Innovis report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. These accounts stem from identity theft resulting from the XXXX XXXX XXXX, a crime of which I am a victim. 
The fraudulent accounts listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Frivolous Identifications Used : 1. SSN : XXXX 2. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX 3. Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I have enclosed a copy of my FTC Identity Theft Report to substantiate this claim. Your refusal to delete or block these fraudulent entries constitutes a direct violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires Innovis to block and remove fraudulent information upon receipt of a valid identity theft report. Additionally, I have never given permission for any associated entities to report or share any personal information about me. Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6801-6802, I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, either electronically or in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my information has disappeared from the Experian website when i would login. I also had myfico as well to see all 3 of my fico scores at the same time as i check my credit very frequently since i am in the process of trying to get pre-approved for a mortgage. Now when i login it says i have no credit except for one collection account. I am attaching a copy of the last report i pulled from Experian 's free version. 

I literally just got off the phone with a representative inquiring as to what happened to my info. i called the XXXX and kept asking for a live rep to speak with and after the guy said it was nothing he could do, he hangs up on me after i asked if i could speak to a supervisor. I have attached my credit reports that i pulled last month. I am tracking my scores because i am trying to get approved for a mortgage and the lender is going to re-score me once i pay down the balance on the 5 credit cards i currently have but i see nothing on Experian at all. I even tried to go on that annualcreditreport.com and see if i can see it on their and still nothing.
Product: Credit card or prepaid card

usbank sent me unsolicited visa debit card. concerned about its use fo fraud. usbankreliacard. want a safe way to cancel this card
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to XXXXLENDING /Lending Point dated XX/XX/2022. The letter contained a NOTICE AND DEMAND FOR SETTLEMENT OF INQUIRY ON CONSUMER REPORT notarized and sent certified mail. Pursuant 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX ) I have not initiated any transaction with XXXX/LENDINGPOINT. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) XXXX/LENDINGPOINT for review or Collection.

pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15U.S.C. 1681n ]. 
I disputed inaccuracies on my consumer file with all 3 major consumer reporting agencies on XX/XX/2022 with no response to my complaints or demands.
Product: Debt collection

Remex Inc. posted a negative remark on my credit report without notifying me of this debt. No letter or validation of debt was mailed to me. After reading their countless negative reviews, I see they are doing this to many people. People are not being made aware of any debt and find their credit reports have been tarnished by Remex Inc . I do not have a contract with Remex inc . I do not owe Remex Inc any monies. Why would they post a negative remark on my credit without even letting me know there is a debt involved. This was posted on my credit report on XX/XX/2022. This is a violation of the debt fair act. 

I will reach out to the original creditor noted to investigate. This debt collector, Remex Inc. should not be allowed to do this to people. I would like copies of letters sent by Remex Inc. pertaining to this debt. I also want them to validate this debt and remove the negative credit remark on my credit report until this is completed.
Product: Checking or savings account

I tried paying my car payment and my account would be blocked.monthly
Product: Debt collection

I am receiving threatening phone calls stating I owe money but will not tell me what this is for. XXXX. I am recently widow and I am scared.
Product: Credit card or prepaid card

Please see attached scanned letters to Sears Citi Mastercard complaining about my stolen credit card and and the Company 's replies : they basically deny my cards or card information was stolen and used to make over {$6000.00} USD of charges in XX/XX/2020 made in XXXX XXXX at stores I've never visited ( during the COVID-19 pandemic while XXXX XXXX service to return to the USA was non-existent ). I demanded the cessation of monthly debit payments to my XXXX XXXX XXXXXXXX XXXX account [ a bank officer tried to block their monthly debits to no effect! ] and the refund of money I'd paid them, but they ( Citibank ) persist in billing me and ruining my credit score and history!
Product: Credit reporting or other personal consumer reports

I have requested 3 times to have the XXXXXXXX XXXX removed from my credit report for {$2000.00}. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the inaccurate information regarding the account listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report ( File Number : [ Your TransUnion File Number ] ). This inaccurate reporting has negatively impacted my credit score, and I am requesting the removal of this account from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). 

The credit report erroneously states my last payment on this account was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This discrepancy represents a significant error in reporting that warrants the removal of the entire account listing.
Product: Checking or savings account

XX/XX/2020 I log into my online banking with PNC and realized there was an deposit for {$460.00} into one of my checking accounts that was not suppose to be there. Immediately I contacted PNC customer service to explain that the {$460.00} that was posted did not belong to me. The online tell went back in fourth me explaining that there was no fruadulent action on my account and that the {$460.00} may just be a credit to my account. I inturn asked for it to be turned over to the fraud department. I was given a confirmation number. Upon hanging up I contacted the police. I was given a police report. I contuied to use my account. XX/XX/2020 I went to pay a bill and my account was in the neagitive for {$460.00}. I want to a PNC bank branch and was told the {$460.00} was no where to be seen in the account. Meaning it has no evidence of ever being there. I also spoke to the fraud department and was told the same thing. So basically it was there but wasnt there and I called to report it which the teller also seen it. But now my account is in the negative. I requested my account to be on hold. Because of prior issues weeks before that resulted in me closing one of my checking acounts down. Im not sure whats going on but Im very sure that fraud is the issue. Ive been with PNC bank for a few years and have never had these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information in my credit report. I recently obtained a copy of my credit report and noticed that it includes a charge off account with the account number XXXX XXXX 

However, I want to bring to your attention that the address listed on the report, XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX, is not my current or past address. I have never lived at this address and have no association with it whatsoever.

I believe this inaccurate information has been reported in error and is negatively impacting my credit score. I kindly request that you investigate this matte
r and remove the erroneous information from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 1 ) ( A ), I am entitled to receive a free copy of my credit report if adverse action is taken based on the report. Therefore, I kindly request that you provide me with a free copy of my credit report with the erroneous information removed.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My Bank of America Visa XXXX was stolen and was used fraudulently three times at the XXXX XXXX in XXXX CA ( Store # XXXX ). I reported it immediately to Bank of America and so they cancelled the card right away. However, the fraudulent user was still able to use it and successfully charge three {$4000.00} charges at the XXXX XXXX for a total of {$12000.00} Bank of America told me that I was not responsible for the charges since I have " Fraud Protection '' on my credit card account. However, when I received my statement, there was a total of {$12000.00} charges on my account. 
I reported the theft incident to the XXXX Police department, and XXXX XXXX XXXX ( Badge # XXXX ) filed a police report and assigned it a Case No. XXXX. The XXXX police department is currently investigating the incident and I am waiting for the results of their investigations. 
In the meantime, Bank of America is requiring me to pay the {$12000.00} total fraudulent charges on my XXXX account. 
Please advise and let me know what steps I need to do in order to alleviate this responsibility of paying the fraudulent charges made on my XXXX card. 
Call or email me at XXXX / XXXXXXXXXXXX Please see attached bank statement history and letters from BofA, as well as the information on the police officer doing the investigation. 
Thank you for all your help. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been trading on XXXX a division of coinbase for several months now. I saw the prices were fairly high on XX/XX/XXXX in the XXXX range but were dropping fast. I had been trying to put a sell order in for a few minutes and finally did get it in at XXXX a bit lower than I wanted being the major delays on XXXX. I had planned on buying back ( day trading ) at the bounce and when the bounce came I was locked out, XXXX wouldnt load for 5 minutes and kept giving error messages. I had also tried my laptop next to me and same issues. This was at approx XXXX to XXXX XXXX on XX/XX/XXXX East Coast Time. This has been an ongoing issue with XXXX and coinbase as soon as traffic picks up they  seems to have issues. In all reality I should have had my sell taken much higher XXXX and bought back at XXXX but I was screwed and by time I could buy back it was between XXXX and XXXX The price had kept climbing the 5 minutes the site was down and put me at a loss. I was also hammered in fees XXXX Things happen very fast in day trading and you can not be in this business if you can not handle the demand and give the customer a service your in the business to do. Luckily I was able to get the bitcoin back when I did before it kept going higher! 

I have attached some of the many screenshots I took. You can also see they were having issues with all 3 crypto they sell. All dropped at the exact time across the board but I had compared this to XXXX, XXXX etc and the charts look nothing like this. They admitted possible insider trading the following day!