23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have a coinbase account, access to which is controlled by a 2 factor authentication ( 2FA ) code that is generated by an Authenticator app on my phone. On XX/XX/XXXX, I had issues with my phone, and I had to get the phone restored. I lost access to the 2FA code when I did this. Unfortunately, I did not store the secret seed key that is required for re-establishing the 2FA mechanism back on my phone. I spoke to Coinbase Customer service on XX/XX/XXXX and explained my situation. I was told to verify my identity by uploading my driver 's license, which I did. I was told that my account will be reset in 3 business days. This has not happened so far -- and I have been locked out of my coinbase account for 6 weeks now, with no access to my crypto funds. 
Since XX/XX/XXXX, I have spoken to Coinbase support at least 6 times, and exchanged at least 10 emails, but there has been no resolution yet.
Product: Mortgage

I am writing today in regards to my account with Shell Point Account # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review. If the three bureaus did not take any action about my complaint, I will file a lawsuit against them.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

Has called me at XXXX and after XXXX like XXXX or later and has called just today 5 times. Lady transfers me to another person and they are aggressive and demand me to pay the bill after telling them that they need to mail me a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting 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. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the company, Experian, multiple times and they have yet to describe the method that was used to verify the file eventhough the company stated that they did not have documentation to prove an agreement ( signed document, contract, etc. ). Therefore it is not only inaccurate but unverifiable as well. 

Also Experian broke the law by not sending a letter stating that they had relisted the fraud account on my credit report within the specified time stated in the .FCRA which is 5 days of the reinsert day. I had included a copy of a credit report where the item was removed from Experian report. However I did not receive the letter that it was reinserted let alone being during the five day window of relisting.
Product: Credit card or prepaid card

XXXX XXXX adv this upgrade cr card, but it wants you to put in your banking info, i refuse as it supposed to be a cr card not a loan. They want to put the funds in your bank account. to make it a loan and start charging inst rest right away
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items 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 block/remove these files. 
XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXXXXXX BALANCE : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX If you 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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: Mortgage

Specialized Loan Servicing ( SLS ) claims it did not review my updated profit & loss statement that was submitted during the modification review process because it was signed electronically. 
SLS acknowledged in letters to me dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, they received my updated profit & loss statement on XXXX XXXX, XXXX and it expires on XXXX XXXX, XXXX. 
SLS never contacted by email, phone or in writing that there was any concern with the profit & loss statement. I contacted SLS and talked to their representatives through out the loan modification process many times and was never informed of any concerns about my updated profit & loss statement that was in their possession. 
Moreover, In the State of New Jersey - NJ Rev Stat 12A:12-7 ( XXXX ) - Legal effect and enforceability. A record or signature may not be denied legal effect or enforceability solely because it is in electronic form. A contract may not be denied legal effect or enforceability solely because an electronic record was used in its formation. If a law requires a record to be in writing, an electronic record satisfies the law. If a law requires a signature, an electronic signature satisfies the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my consent to open credit cards. I have reported these items to the FTC Via Identity theft report XXXX  XXXX. 
These are the items in question : 1 ) XXXX XXXX XXXX date opened XX/XX/XXXX. 
2 ) XXXX XXXX XXXX date opened XX/XX/XXXX. 
3 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX. 
These items are a product of some form of identity theft. They have damaged my credit profile and made it difficult to get credit from lenders. 
These items are appearing on my Experian credit report # XXXX. I have attached a copy of my identity theft report, and have included photos of my drivers license and social in accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ) and I am formerly asking for a block on these items.
Product: Mortgage

I opened my loan in XX/XX/XXXX when I closed on my new home. I was told that if I did not use the bank to escrow my taxes I would have to pay a fee. So I let them escrow my taxes. I was told that the additional escrow funds collected at closing could be used to pay interim tax bills. I sent 2 interim tax bills to them in late XXXX. In XX/XX/XXXX, I receieved notices from both agencies with late fees. I called and was told they do not pay interim tax bills. I asked what the procedure was to pay my own taces and get the funds back that were in my escrow account. I had to pay a fee of $ XXXX and fill out some forms. I paid the fee, and a few days later, was approved to pay my own taxes on XX/XX/XXXX. At that time, I was told by Union Home Mortgage that I would receive a check for the {$4700.00} in my escrow account within 30 days. I called last week for an update and was told the check was being mailed by end of week. As of today ( XX/XX/XXXX ), my account still shows that full amount in escrow account meaning the check is not even in process. I emailed the company today ( XX/XX/XXXX ) for an update, no response yet. I also tried calling today but was told they were having system issues. It is now past 30 days and I do not have check in hand as promised. Please help me to get this resolved. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, Equifax did not address my previous consumer financial protection bureau complaint and did not resolve the complaint, where as closed XXXX credit card and loans information missing in the credit report since XX/XX/2018. I also ran Equifax credit report dated XX/XX/2018 and I did not find closed DCU credit card and missing XXXX Auto loans in the equifax credit report , which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response. Removing closed Auto Loans/Credit cards from credit report is a fraud and unlawful. Equifax interim response to CFPB on XX/XX/2018 that they were working on my complaint and response is in progress. Equifax again responded to CFPB on XX/XX/2018 that they mailed investigation report on XX/XX/2018 (  which is Sunday, Equifax also mentioned in the CFPB 's response that Equifax does not work on Saturday and Sunday ). Also, there is no investigation report and evidence attached to the CFPB 's response and I did not receive any Equifax Investigation Report dated XX/XX/2018/Evidence over the mail. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed/missing from the credit report. Could you direct Equifax to add/update my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years. I need the complete documentation and Equifax fraudulent investigation to submit to concerned courts and Law Enforcement officers. XXXX holds the complete legal accountability and responsibility for missing Auto Loans, my Vehicle VIN number and various other information related to these XXXX loans.
Product: Credit reporting or other personal consumer reports

Hello ive been disputing Transunion XXXX and XXXX for atleast 6 years with very minimum results starting to feel taken advantage of and im quite tired of it and im currently in the process of seeking remedy through legal counsel. 
Now we you guys know all the Fair Credit Reporting Act 15 USC 1681 codes there's no need to make this longer than it has to be. Ive asked for 100 % accuracy on my consumer report so now im seeking deletions! ITS MY CONSTITUTIONAL RIGHT! Here are the accounts i demand to be deleted at the very least to be 1000 % accurate! 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX Both ACCTS and XXXX deleted one already! 
XXXX  Acct # XXXX Its been affecting my right to obtain credit for too many years based on inaccuracies if and if you report back these items have been verified I want proof from the furnishers original documents..NOT PAYMENTS... .CONTRACTS!! Also Update my personal information according to the documents i will be sending along with this.
Product: Checking or savings account

XXXX bank let a party taken XXXX out of my account with a fake name. The customer withdrew XXXX with a withdrawal slip of XXXX XXXX XXXX then went to another bank as I was told by XXXX bank and withdrew XXXX using the name XXXX XXXX XXXX then went again to a XXXX bank and withdrew XXXX. This all happen between XXXX XXXX or XXXX until I puts a freeze on my account. They stated the fraud took place in Florida and I like in XXXX. I was in Georgia from XXXX XXXX. I made a police report and had my account changed but I still am out of XXXX. How can some one withdraw money with the wrong name and signature at XXXX bank and no REDFLAGS GO UP to question the party making the transaction.
Product: Debt collection

I was contacted about a debt owed to an apartment complex I never lived in. I contacted the apartment complex and the manager verified that the debt is not mine. I contacted the collection agency and they were informed by the apartment complex that the debt is not mine but they have not taken the debt off my credit reports and are still trying to collect for it.
Product: Credit card or prepaid card

My employer gave me a Money Network prepaid card to receive my paycheck. I work as an XXXX XXXX XXXX in XXXX XXXX. I live in XXXX, so everyday I have a 2 hour commute. On XX/XX/2022, I tried to withdraw {$600.00} from my account, and the bank denied my transaction. I attempted three times and it kept declining every time. Therefore, I proceeded to checking my account on the mobile app. This is when I realized there were multiple transactions that I nor anyone authorized did not do. These transactions occurred in XXXX XXXX when I live in XXXX. The total amount of money stolen is {$1500.00}. I called to customer service on XX/XX/2022. They said that they would send documents for us to file the claim. They also said we had 10 business days to return these documents. We received the documents on XX/XX/2022. We completed these documents and returned them on XX/XX/2022. Later, on XX/XX/2022, we received a letter where it states the following, " Based on the results of this investigation, your claim has been denied due to the timing and card-present indicators of other recent transactions. You have the right to request copies of the documents that we rely on in making our determination. We consider this claim resolved and your claim has been closed. '' After seeing this, my wife under my authorization called customer service on XX/XX/2022 at XXXX. A representative from Money Network said the decision had made through an algorithm under their system, and that our given time-frame had expired. Because our time-frame had expired and the algorithm stated the previously mentioned, they said we were not eligible to receive our money back. The representative said they received our documents on XX/XX/2022 ; hence, they said it had exceeded 10 business days. However, the letter dates XX/XX/XXXX which is definitely not 10 business days from the day we called nor from when I received the documents on XX/XX/2022. They also said to wait 45-90 days for another solution or to call the Dispute Department XXXX The next day, my wife called the Dispute Operations Department to request the documents they relied on, and the representative said she is unable to send those documents to call another department. I asked for the other department phone number, and she said she could not provide me with the phone number. In order for me to receive the documents, I was told I had to email requesting them. I did and I have not heard back. I am scared to continue waiting more time and lose my rights to get my money back. I do not understand how my timing expired if I received the documents to file the claim on XX/XX/XXXX and I returned them XX/XX/XXXX. I do not understand what documents they used to come to this solution.
Product: Mortgage

Chase bank did not apply principal payments made to this account. 
They failed to provide complete loan transaction history Multiple errors and contraindications in banking documents and online balances. 
Lack of cooperation to requested loan documents and payment history
Product: Credit card or prepaid card

On XX/XX/XXXX I received two letters from Chase Bank stating that theyre closing all of my credit card accounts and checking account. First, I thought it was a scam or joke. I called the phone number on the letter three times to speak to someone and all three times I was told that they cant give me a reason why theyre closing my account. 

I been a loyal customer with Chase bank for over a decade now. I had a auto loan thats paid off. I have my checking account with Chase bank since XXXX. I have five credit card with Chase thats been paid on time and in good standing. Never missed a payment and currently have XXXX balance. 

Im really hurt and disappointed with Chase bank because theyre not telling me why theyre closing my accounts and all I did was be a loyal customer. I have excellent credit and make over XXXX figures. Never did anything illegal and been a honest human being. I dont mind taking my business elsewhere. I know there are plenty of financial institutions that would take my business within a heart beat. It just makes me feel now that Chase bank is racially discriminating against me because I didnt do anything wrong for them to just close all of my accounts without a legit reason.
Product: Bank account or service

I had a fraudulent transaction on my checking account. I called Chase the next day about the fraudulent transaction. After two months later, I was told that the claim is denied because the merchant provided that the packages were delivered to an address.I do not know how the theft stole my information online. It was an online transaction and the theft used my name, address and card number to made the purchase. However, the shipping address is not mine. I am living in XXXX and the delivered address is in XXXX. I did not receive any package.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows XXXX ( XXXX ) hard credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/scrub>XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these unapproved inquiries removed from my credit report within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX. XXXX
Product: Debt collection

The debt collector did not validate the debt before contacting the credit bureaus and now my credit report has a derogatory remark.
Product: Credit card or prepaid card

I received a communication from Venmo that I was approved for a credit card on XX/XX/XXXX, but I never applied for the card. I then received an email that I was being shipped a Venmo credit card from Synchrony bank ( XX/XX/XXXX ). My Venmo account does not have a shipping/billing address associated with it, but I do have other cards through Synchrony. I believe that Venmo/Synchrony opened the account against my will and used my shipping information associated with my other accounts in order to send me a card to meet their quota ( the hallmarks of my case are very similar to that of the XXXX XXXX offense several years ago ). I called and was able to close the account so that the card can not be used when it arrives, but I do believe that the strike against my credit score was done without my consent.
Product: Credit card or prepaid card

I have provided Chase numerous pieces of documentation to support the claim we vacated the cruise took a plane because our room was double booked. I disputed the matter with Chase because fraud charges were made before and after boarding the cruise. I attempted to dispute the charges, the merchant is alleging services were rendered however services were NOT rendered because we left. I am asking for the charges to be disputed as fraud and returned back to the merchant. Chase has been not helpful in this process nor has XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, capital one auto finance.