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

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an personal credit card at XXXX on XX/XX/XXXX Account number ( XXXX ) following this being resold and Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I have an online savings account with XXXXXXXX XXXX, on XX/XX/ I did a {$50000.00} wire transfer, they took so long, let so many days go by, that when they finally did the wire, the account it was sent to was full after all this time elapsed, so it was not accepted and marked for return, the bank told me I would have funds by end of day, next day the latest, As it stands on XX/XX/XXXX  I still have no refund, every time I talk to bank, talk to different people get different story each time. there phone is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a hard inquiry on my TransUnion report. Someone may be using my info to open a credit card. Will you look into it for me? It may be XXXX. Thank you. XXXX! XXXX XXXX XXXX XXXX
Product: Mortgage

When Covid-19 started I ended up being out of work for 6 months. We kept paying the full amount of our mortgage ( $ XXXX/month ). Once it got to the point we couldn't pay our mortgage ( 3 months later ) we were put into forbearance for our mortgage. I wasn't able to pay mortgage for 3 months but once I started working again we immediately called and told M & T Bank that we will be able to start paying our mortgage again. M & T Bank told my wife that we would only have to pay {$1300.00} since we could start paying. We told M & T that I work overseas a lot therefore my wife has a General POA to handle anything that comes up. That means banking, car issues, mortgage, and our kids. For the past 6 months mybwife has been calling M & T to pay our mortgage and they have been taking {$1300.00}. Just within the last month we have been informed that the POA isn't acceptable and we are XXXX behind in payments. I understand the 3 months we couldn't pay. The XXXX is apparently the rest of the original mortgage payment that M & T has not been pulling from my account every time we have payed and I'm guessing late fees. 
I have tried to work with M & T to get the exact wording for the POA but M & T refuses to give me the wording. When I ask for a letter explaining why they decided to only pull out {$1300.00} for my mortgage payment instead of the original amount I am told to refer to my statement for answers which doesn't address my request at all. The behind payments are because of faulty information that M & T has been using and since I have been paying the asked for amount ( automatically withdraw from my account BY M & T ) there has been no breach or lack of payment as M & T wants to portray.
Product: Student loan

My personal and financial information through the department of education was compromised by DOGE without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Money transfer, virtual currency, or money service

I used cash app and was defrauded a few times all the times I reported the fraud I wasnt given what type of methods of investigation did they do at all
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX multiple fraudulent transaction on Paypal occurred. 

I responded to an ad on XXXX on XX/XX/year> that was soliciting investors to invest in an online onlyfans type business. The company name is XXXX XXXX and website is juicy.network and the ad promised a return of XXXX the investment amount over a 1 year period. However, the website never got off the ground even though the owner by the name of XXXX XXXX continued to promise each month that the site was just about to launch. Nobody at the company responds to my emails or texts about what is going on. I have already demanded a full refund of my {$15000.00} investment via email but have not received any response to that demand either. 

XXXX XXXX and the company is registered and physically based in XXXX XXXX but has also registered the business in the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX No XXXX XXXX XXXX WY XXXX
Product: Debt collection

The Company Rausch Sturm LLP has sent numerous letters in an attempt to collect a debt that as a consumer I do not owe. several times they have brokenthe law under 15 U.S.C 1692d.

Their Phone number comes up different everytime they contact me but the one that I have for them is XXXX. This has been a nightmare and I would like for them to stop or my next step will be to call the FTC
Product: Debt collection

I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a medical debt that has not been proved with true copy originality submitted to me. Secondly, in 2015 the Consumer Financial Protection Bureau worked out an arrangement with the national credit bureaus such as XXXX, that a 180-day notice would be submitted to validate a medical debt, and that the debt would not be posted against a person 's credit report until the 180-day notice expired, thus giving the consumer the ability to have his/her insurance pay the claim or satisfy the claim by other means. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!
Product: Money transfer, virtual currency, or money service

Hello, On Saturday XXXX XXXX XXXX 2017 I changed my phone and lost my XXXX authenticator app. I followed the dedicated path on coinbase support ( I tried incognito too as suggested ) : 1. Unable to submit a one-time code? 
2. I have lost my Authenticator App 3. Completing the steps to recover my account : phone number - id verification - overview When completed I receive the following email : " Your identity and photo have been verified Success! Your identity and photo have been verified. '' If I click on the " buy digital currency '' button I am redirected to the login page, having the exact same issue, and being unable to login because the authenticator code is required. 

I do n't have the secret seed stored anywhere. 

This is the support link, but the procedure described as " If you 've lost the device with your Authenticator app and DO NOT have access to the secret seed code '' is not working because, as I have described, I am stuck in a loop : XXXX XXXX XXXX XXXX XXXX XXXX Although i received an email to say that my documents have been verified i still ca n't log in. When i type in my user name and password it prompts me for my authenticator code. however, i ca n't get that because i ca n't install authenticator on my new phone because the barcode i need to scan is on coinbase once you log in ( chicken and egg situation ). '' Coinbase support, when answering, suggests to log in the account and change it from the settings, which is impossible. 

Thanks
Product: Debt collection

Transworld Systems Inc : Your letter states it is your intention to work with me to resolve the collection. The letter also states due to unforeseen circumstances I may not be able to pay in full and could offer payment options. I spoke with one of your trained representatives whose name and number is written on the letter with 3 payments listed for {$280.00} with a confirmation number. I was told by making the payments it would not be reported on my credit. 
Secondly, I made the 3 payments of {$280.00} on XX/XX/15, XX/XX/15 and XX/XX/15. This is not how it is reflected on my credit. I have 4 adverse accounts listed from this one collection. Despite paying as promised and you reporting despite promising you wouldnt my credit lists derogatory public record or collection filed. 
Lastly, you told me to have no further communication with you and to contact XXXX. You sent the letter to me, arranged for my payments and then you reported me.
Product: Credit reporting or other personal consumer reports

I requested incorrect information removed from my report. There were old addresses, phone numbers, names, jobs, banking information from several companies. I reside at one location, I have one phone number. A lot of personal information there that doesn't need to be there. I sent letters to all three consumer reporting services with no results only one sent a credit report after I asked for a free annual report. All three sent an ad for additional services at a cost but no free annual report. There are soo very many soft pulls of my credit that I did not authorize almost fifty maybe more. This is so very unfair your assistance in this matter would be mist appreciated. Thanking You in advance.
Product: Mortgage

My 15+ year mortgage was sold by XXXX to Nationstar earlier this year ( 2016 ). When I contacted Nationstar on XX/XX/XXXX to find out why my escrow disbursement had not yet been sent to myself or the city of XXXX and to find out when and how it would be sent ... Nationstar refused to clearly tell me how the escrow disbursement process worked and I was told that an expedited payment would be sent directly to the city and that I would be contacted as to when the payment was issued. When I expressed my concern and need for my tax bill to be paid in full before the end of 2016 and inquired as to how/when I would know the payment had occurred, I was told I would need to check with the city to determine if/when the payment was received. Nationstar NEVER contacted me about my expedited payment ... I only received SEVERAL marketing calls/emails from them ... .therefore, I contacted them. I was initially told that my expedited payment was issued on XX/XX/XXXX and I have been checking with the city of XXXX every day since then. No payment received. The week of XX/XX/XXXX, I again contacted Nationstar to confirm the expedited payment date and was then told that it was XX/XX/XXXX and not XX/XX/XXXX. I continued checking for the receipt of the payment with the city ... .no payment received. It is now XX/XX/XXXX, still no payment received. I contacted Nationstar this morning to again inquire about the expedited payment and was told that the payment was issued XX/XX/XXXX and pretty much that they 'd done their job ... too bad for me. This is the WORST mortgage service I have EVER received. Nationstar is clearly more interested in marketing to me then actually servicing my loan. I honestly feel like my loan was bought solely for marketing purposes and I am now suffering poor mortgage service as a result.
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  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account 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: Checking or savings account

On XX/XX/, I was charged a Foreign Check Collection fee of {$30.00} by Citibank. This was related to a check for XXXX GBP which I deposited on XXXX and posted to my account on XX/XX/ in the amount of {$57.00} USD. This fee was not disclosed to me at the time of deposit, and I can not find any information about it on Citibank 's website or on the documents I received when I opened my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated disputes for the following accounts appearing on my Equifax File due to inaccuracies and incomplete information. These accounts have also been redisputed.

The inaccurate information was taken directly from my Equifax File. Equifax has concluded investigations with reinserting the accounts with the same missing and inaccurate information. 

- XXXX XXXX XXXX # XXXX - reporting inaccurate information. 
- XXXX XXXX # XXXX - missing information ; date of last activity, credit limit, high credit limit. Account consistently reporting missing information in spite of repeated requests to investigate or remove from my file. 
- XXXX XXXX # XXXX - date closed is missing, credit limit is inaccurate. High credit limit missing. Equifax would not validate or remove as per

FCRA 611. These dispute results are being sent back to me as verified as accurate with no update or proper solution that is required under Federal Law ( Fair Credit Reporting Act ( FCRA, sect 611 ( 5 ) ( a ) ( 1 ). Federal Law requires that if the information is unverifiable, inaccurate or incomplete, it must " promptly be removed ''.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy. Transunion has 15 days to reinvestigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded the document from XXXX as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is DOG LATIN also called American Sign Language, " GLOSSA, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find Dog Latin explained in the Article : 11:147 Chicago Manual of Styles : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at Blacks Law dictionary 4th edition. 

The DOG-LATIN text is found on the tombstones of a grave. XXXXog Latin is the engraved image on the tomb, the written text of the dead. It is debased Latin, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of Latin, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX  keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.
Product: Credit card or prepaid card

I have been a Citi XXXX client since XXXX. I hired XXXX XXXX XXXX to install the flooring in my house. After paying the full amount of credit card payment of {$2400.00}, at the same day I received an email with an increase of almost double prices. I was so upset to cancel the work and called the credit card company right away to stop the payment going through but the staff told me that it had to wait for the payment going through to be disputed. During the disputed process, payment credit back to my account shortly but one month later on XX/XX/XXXX REVERSED..I also filed a complaint on Nevada State  Contractors Board .The .investigation officer helped me to call the Citi credit card company told them thats the fraud money with people taking someone money without work run away. The Citi credit card company never returned back the money even I had been calling many many times and left the voicemail nothing returned to call .. That reason the case had been keeping delay by now still never resolved
Product: Mortgage

Wells Fargo Bank keeps replying as they contacted me to issues of fraud committed by them. there has been no effort just some computer generated letter as before time after time. There has been no mail contact but the same XXXX letter were working on it. 
There has been no effort to explain or justify information requested. I have also file with the US justice department and the US attorney office on documents that's been altered and forge by Wells fargo bank.
Product: Credit card or prepaid card

JP Morgan Chase XXXX XXXX Credit Card : XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX These charge were unauthorized on my account for service never received on my Marriott XXXX/JP Morgan Chase CC . I filed a depute and the charges was resolved and drop from my account. Then later they were added back to my account. I closed the account and JP Morgan Chase rebuild the account.
Product: Credit reporting or other personal consumer reports

TransUnion without my consent collects my financial and personal information, selling it to make a profit. The other credit agencies will allow me to see my score to help me manage my credit profile and credit score. I either want them to cease to sell my financial and credit information or give me free access.

I filed a complaint a MONTH ago without a response. Time for you guys to step up and deal with this and not push it off to TransUnion who will do absolutely nothing. This is unfair and abusive exactly what your agency is designed to prevent. 

My compliant number from a month ago XXXX Please take action I'm among XXXX  of citizens being treaded unfairly by TransUnion
Product: Checking or savings account

Someone used my card without my remission and unbeknownst to me for quite some time, to place a bet on a website XXXX. I have several accounts and larger deposits and withdrawals happen quite frequently in this particular account so {$500.00} was not so large an amount I even noticed it missing. However, there were several of these charges I had no knowledge of, and one of the charges actually bounced and Im not sure exactly what happened. The money was evidently owed to XXXX and somehow they couldnt retrieve the funds from my account ( thank god ) so I received a letter - only one letter and this letter wasnt from capital one or XXXX XXXX it was from a collection agency ) and called to inquire on what the heck they were talking about. The letter said I owed {$500.00} plus due to XXXX. I immediately called capital one and disputed the charge and found the others. I closed the account immediately. I also called XXXX and explained what happened. They sent a form about it being fraud I completed the form and sent back to them and WITHIN ONE WEEK I WAS CLEARED OF ANY RESPONSIBILITY. THEIR INVESTIGATION FOUND ME NOT AT FAULT AND THEY CONSIDERED THE MATTER CLOSED AND RESOLVED. 
Well.the next week I get notice from capital one ( in the form of them withdrawing {$500.00} from my new account without notice or anything in writing ) to cover the dispute which I had done. It they reversed and said I still owed the money. What in the world! So.I sent them the paperwork from XXXX two different times. Yet this is still unresolved. Ive called 6 times and each time on the phone for over an hour and everyone understands and says Im being transferred to the correct department ( Ive been transferred me over 13 times during one call because they were confused between capital one credit and bank ) theyre resubmitting the dispute and I should win once the info is reviewed. Well my question is how long is this supposed to take. They have my money the whole time. I furnish them the paperwork showing that I was not at fault. I am not responsible Im not held at fault. I sent it to them. XXXX sent it to them, so Im not sure why I have not been cleared of all fault the funds been returned to me, and that account closed. Ive called way too many times and I have been lied to no one seems to be able to know how to actually get this taken care of. Its as if the company is too big for its own good and its unfair to me the customer who is out {$500.00} while they conduct an investigation that isnt even necessary being that I supplied the paperwork from their company that they hired showing Im not at fault.