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

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Product: Credit reporting or other personal consumer reports

They are reporting Mortgage as 60 days late for the month of XXXX they mailed me a letter out said it was Social Security breach back in XXXX that had affected the payment system. They mail this letter out. It was dated XX/XX/XXXX. I reached out to the mortgage company and transfusion and XXXX to get it removed off my credit report. Ive never been late on my mortgage. No one has done anything. Its been over four months now and it still has not got resolved.
Product: Credit card or prepaid card

I paid the annual ( XXXX $ ) fee to American Express to link both my corporate card and personal card to receive membership rewards points. YTD I have not received any points associated with my Corporate Card although i have made all payments in a timely manner. I launched an investigation on XX/XX/XXXX with American Express after chatting with an online representative who confirmed they could not see any points related to my corporate card purchases in my online portal. Today, XX/XX/XXXX, I called AMEX to follow up on my dispute, I have been on the phone for 50 minutes and been transferred to 4 different people in the process. My issue is still outstanding and I would like to file a complaint. YTD I have spent 30k+ on my corporate card and am owed the points associated with these purchases.
Product: Credit card or prepaid card

I have been trying to get a cash app card since XXXX years ago XX/XX/XXXX of XXXX and they won't let me Get a card because of a scammer hacking into my account, and they also will not let me know what happened in order to get me blocked from ever ordering a card again, but they did say I was in violation of a contract for the cash app card that would permanently disable me for it from ever Being able to order another card ever again so I really dont know what even what happened but I was locked out of my cash app for like XXXX days and then finally I regain access and everything was changed. All my money was gone and I wasnt able to get a card anymore, I tried explaining to them everything that had happened but they still wont let me get a new cash app card and Ive been fighting identity theft. I owe the IRS {$3000.00} for filing taxes last year, and I never filed because I wasnt working. I was too sick and XXXX and its the square company that partners with cash app that wont let me get a new card wont let me order one and I need one and I dont think its a right that I cant have one because of a scammer and its the square company that partners with cash app that wont let me get a new card wont let me order one and I need one and I dont think its a right that I cant have one because of a scammer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting the XXXX  private loan on my credit report for a number of years. I filed a dispute claim in XX/XX/XXXX and was never made aware of the results. At which time I reached out to XXXX   by phone and by email trying to get the loan off my credit because of the scandal they were involved in with XXXX XXXX XXXX. I never received an email or call back concerning this matter. Their reporting almost did not allow me to purchase a home for my family. Now I am being relocated for my job and I have to deal with this again. Equifax keeps reporting the XXXX loan. I disputed the loan in XX/XX/XXXX and they reported the findings as accurate and that was all that was said. I tried to contact XXXX  again with no response to inquiry about my account. The XXXX website even states about forgiving the XXXX XXXX loans and I have filled out the forms for that twice and have yet to get any response. Both in XXXX and again in XXXX. Their reporting is doing irreparable damage to my credit report and not allowing me to obtain funding for housing, so that I can move to my new job location in another state. Every time I pull my credit report this loan does not show up on the report. However, every time a creditor pulls my report it shows up every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and informed your agency XXXX XXXX, XXXXregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ).

I have suffered XXXX XXXX  as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Money transfer, virtual currency, or money service

In reference to Case # XXXX - LOCKED OUT OF COINBASE AND UNABLE TO ACCESS MY OWN MONEY FOR 8 DAYS AND COUNTING! 

Coinbase has locked me out of my account without any correspondence for eight entire days following a delayed withdraw incident I perceived as a possible hack scenario. Previously, I 'd attempted to send litecoins to my XXXX but something went wrong on the exchange site ; it said the transaction was complete after multiple seperate attempts, but maintained my same balance as if nothing happened in trade view ; also, there were no funds added to my external XXXX XXXX  so I figured nothing happened. Over some course of time, the Litecoin began to mysteriously leave my XXXX account long after my intital attempts to transfer and I was n't seeing them in my XXXX XXXX ( Not typical in any delayed transaction I 've ever experienced ), so in a panic I contacted Coinbase and inquired with them as to what I should do for tax purposes if coins are stolen because I already knew they would n't / could n't refund me for anything stolen. Moments later, my coins began to trickle into my XXXX very slowly. I was relieved and informed them several times that I no longer have reason to believe my account was compromised and that I changed my password as they requested and to please unlock my account. My account has been locked for over a week and I have not had access to my own money in my own account. I only want it to be unlocked so that I can regain access to what belongs to me. I went to their subreddit accounts below and begged each person below to unlock my account as I was losing a lot of money and could do nothing because my hands were tied : XXXX ; coinbase_josh ; CoinbasePatrick ; coinbaseXXXX Employee ; XXXXCoinbase Employee ; coinbase_cindy ; Coinbase-XXXXVerified Coinbase Employee ; XXXXcoinbase ; I sent each person an email desperate for help and still have had NO RESPONSE from anyone since they locked my account. I can be reached at the email account associated with the case number/request and would like them to notify me after they 've unlocked my account. Thank you.
Product: Money transfer, virtual currency, or money service

I would try to send money to my cousin he would say he did not receive it. The phone number was off by XXXX digit and I had already sent the payment multiple times. When I contacted Zelle for a refund they were unable to reverse the transaction making me lose money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and was opened fraudulent and is not mine remove immediately.accounts are as follows XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BK OF XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion in regards to furnishing an Insurance Score that I never gave permission for Transunion to furnish, report or share. As a result of Transunion sharing this information with Insurance companies and Rental Car Companies I am not allow to have access to rental vehicles which I am in great need of. Transunion producing an Insurance without my permission is against my consumer rights. They have violated the following : 15 USC 1681 ( D ) 15 USC 1681S - ( 12 ) ( b )
Product: Bank account or service

Account was charged XXXX NSWF fees for transactions that show the account was positive at time of transaction. Was charged XXXX dollars for XXXX purchase XXXX Charges are as follow and order. 

XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$14.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$18.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$19.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$20.00} XX/XX/2016 XXXX ( XXXX ) XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$23.00} XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XX/XX/XXXX {$39.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX XXXX -XXXX {$47.00} I also deposited XXXX dollars via the mobile app which has always posted the next day which would have covered the XXXX cents i was charged XXXX dollars for. The app always post the next day but this time it has not. I called the customer service line was put on hold for 45 mins and told they did n't have the tools to fix it. I was told the supervisor had stepped out, then told to write a letter, when I demanded to speak to someone. I was put on hold then hung up on.
Product: Credit card

My daughter and I have a joint cc with Capital One. XX/XX/2023 got letter from Capital One saying a credit card acct opened that we did not recognize, ending in XXXX. We called them to say no, we did not open this account, we think it was fraud. We thought a fraud investigation was opened from that call. We then called XXXX to notify them. We got a letter soon after from XXXX saying this was now closed and was resolved. We requested a statement and were told our cards were canceled out. We waited for quite a few weeks and no statement came. Finally a report came from XXXX and showed that {$30000.00} was charged to the CapOne card and showed other addresses and phone numbers- not ours. We called CapOne to tell them- they said there was no fraud investigation opened and that someone had reopened our account. We said we did not. They said someone did and that we owed these charges. We escalated to the fraud dept. and talked to someone to explain the whole situation again. They said they would investigate. We called XXXX again to remove the fraudulent addresses and phone numbers and tell them what was happening. A few days later we got the CapOne statement and it showed multiple credit cards opened under one account and showed another person 's name on the bill. It showed thousands of dollars charged in Georgia and California. Not once had CapOne called us to ask if these charges were us, or if we had moved out of state or gone on vacation like most cc companies do when there are suspicious charges. We called CapOne to tell them about all the out of state charges and the unrecognized person 's name on the bill and they said that person must have my license and social and there's nothing CapOne can do to help, that we are responsible. We also got a letter from Cap One saying we or another user benefited from these transactions so we owe them. The letter also states that I opened these fraudulent accounts and interacted with this account which is patently untrue. If they just listen to the recordings they will hear this. The unrecognized name that shows up on the bill is a man names XXXX XXXX in GA who is in jail. CapOne has been wholly unhelpful and mostly uncooperative. We asked why there was XXXX XXXX in charges when the limit was XXXX XXXXXXXX for XXXX years and CapOne had no answer. This was gross neglect on their part on many levels.
Product: Credit reporting or other personal consumer reports

Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX are reporting as negative non payments on my credit even though the accounts are closed. 

XXXX in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!
Product: Mortgage

I have a mortgage with Ditech. Although our taxes did not go up and according to our tax collector we are paid up, the escrow was raised by nearly XXXX  a month more making our escrow amount XXXX per month. There is no reason as to why it went up by that much. I called Ditech and spoke to the escrow dept. and they had no explanation except she said oh well that is what it is. Please help us because this amount is unaffordable to us making us behind. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX.Account # XXXX Date opened XX/XX/XXXX Bal. {$0.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$710.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$700.00}, XXXX XXXX XXXX.Account # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX.Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. 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 XXXX
Product: Credit reporting or other personal consumer reports

I am processing disputes on my credit report that is hindering my profile with inaccurate an invalid data. none of the information has been verified. this has been addressed multiple times an no response has been giving. this is holding my credit back. all information disputed needs to be removed asap. please delete an remove all listed information asap.
Product: Mortgage

Partners for Payment Relief purchased our second mortgage while we were paying a " modified '' payment to our lender, XXXX then later sold to XXXX. I went to pay both my first and second one day over the phone and they told me " we cant accept your payment on the second loan any longer, it has been written off, but we can still accept your payment on your first loan ''. We assumed we finally got the modification we had been applying for of principle reduction. A year later, in XXXX we got a letter from Partners for Payment Relief stating we owed them {$18000.00} and demanding a lump sum. We called the number and the guy that answered was rude and would n't accept any " modified '' payment. He wanted to full amount. So we decided to short sale our home since we could n't come up with the amount he wanted from us. After having our house for sale for a year, and two buyers going through the process of offers and waiting we finally were going to close in XXXX of XXXX, the title company called our agent and told us Partners for Payment Relief had already foreclosed on our house the year prior, and waited 12 months to record it, so it did n't show up earlier. Since Partners for Payment Relief did not do the notifications and everything correctly, that act flawed our title and we were not able to reconvey title to anyone. Shortly after we received notice from our first mortgage, now through XXXX that if we continue to pay, everything will work out. So we continued to pay. We have had several attorneys tell us this is a huge fight in front of us to win, and we should just cut our losses. It just seems wrong that someone can remove you from your title, without you even knowing, All along we 've been paying the taxes, and all of that through our escrow, with no notice at all. On top of that, they applied a new lien to the property of {$75000.00} to cover their legal expense. It 's crazy. XXXX also has been collecting our mortgage payments and escrow payments all along, knowing we did not own the property any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - The US Department of Education conducted a hard inquiry on my credit. I did not give verbal nor written authorization for this inquiry to be done on my credit by the US Department of Education. In efforts to fix the problem, Equifax was contacted because that is where the inquiry is reported ; however, they stated that it was valid. It is unfair consumer practices to do a hard inquiry on someone's credit without their consent. I did not authorize the US Department of Education to do a hard inquiry on my credit report.
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.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: Debt collection

On XX/XX/year> they have contacted me 3 times in the span of 6 hours. They are calling me at least 20 times a week. I have communicated with them that I plan on paying when my tax returns are back, but they insist of spamming my phone.
Product: Checking or savings account

Posted a deposit check on XXXX XX/XX/2018 and the funds were made available on XXXX XX/XX/2018. So, i went through with a payment from my discover checking account and later I got a hold on XXXX XXXX for the same check depositd on XXXX XXXX ( as the bank represtative said ) but it was notified to me through a email on XXXX XX/XX/2018 XXXX, putting me in a situation where I could not cover for my paymnet on the either side of non suffecient fee as well as my payment to other source and was charged a fee of XXXX . 
I had to talk to 3 of the customer care represtatives for 3 long hours befpre this problem could take effect and still they were unable to assit me accordingly and blamed me for the the fee charged.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I lost a bid on an item on XXXX. Seller reached out to me via email stating that the winning bidder pulled out and he had the item available, I was the previous highest bidder. We moved off of XXXX   to continue conversation. Spoke to each other onXX/XX/XXXX, on the phone and discussed purchase outside of XXXX. That should have been my first big red flag. Paid in increments based off of " proof of shipped goods. '' 2 XXXX XXXX for a total of {$3800.00} XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$500.00} USAA to XXXX XXXX via XXXX XXXX ( disputed and reversed ) XX/XX/XXXX- {$500.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$200.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$600.00} USAA to XXXX XXXX via XXXX  Seller claimed to have shipped the computers twice. First time he could not give me a tracking number but the second time he did, it was never scanned in by USPS. Seller claimed that when he went to the post office they hadn't loaded it after 3 days and he picked it back up. Seller offered to fly it out with the final payment. Supposedly the seller flew to XXXX  and was still unable to make good on his promise.

I contacted USAA and they said they could not help me and sent me to XXXX. XXXX  said they could not help me and that I needed to file a police report/complaint. I filed a police report and the police told me they couldn't help me that I needed to go to the FBI. I filed the FBI complaint and never heard anything back. This has now been going on for 2 months and I still do not have a refund, I have excuses and empty promises from the seller, and this is my final attempt to get my money back and press charges against XXXX XXXX  of XXXX, GA.