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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank Act. XXXX XXXX  This account is using my Information improperly wells Fargo Bank wont answer my request. 
90 Days Late XXXX Opened {$300.00} Credit Limit {$0.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Late Payments XXXX 5 Late Payments XXXX 0 Late Payments Compare this account across all bureaus. 
Show Comparison Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, IA XXXX | ( XXXX ) XXXX
Product: Mortgage

I was trying to modify my mortgage because my wife and I lost some income. Wells Fargo denied us a modification and we had to short sell our home because we could not afford the payment anymore. We paid {$560000.00} for the house and had to sell it for XXXX to avoid foreclosure.
Product: Money transfer, virtual currency, or money service

I had been buying bitcoin from Coinbase early in the year on a few occasions. On Monday XX/XX/2021 around XXXX, I was transferring all my bitcoin ( BTC XXXX about CAD XXXX ) from my Coinbase wallet to my newly bought XXXX XXXX XXXX After the transfer, my XXXX XXXX XXXX only received BTC XXXX ( CAD XXXX, the same amount being sent out by Coinbase ). My Coinbase account became XXXX and my transaction history has also been erased. CADXXXX had vanished in this transaction. I complained to Coinbase to no avail although they did put back CAD XXXX into my account later. I also complained to FTC and they sent me an email with a reference number on XX/XX/2021, but I haven't heard from them since. To me this is fraud as I can prove that Coinbase had been receiving money from my bank account on several occasions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and seen there where fraudulent accounts on my credit report can you all remove them so I can better my self in life
Product: Debt collection

The company has not provided proof of the debt. I have asked for a copy of the contract between the collection agency and the original account owner, a detailed contract between myself and the original owner, and a detailed print out of all payments and outstanding debt as well as proof of signature from this agency and it has not been received.
Product: Prepaid card

There was an unauthorized charge for {$300.00} on the gift card
Product: Credit card or prepaid card

Hello. 

The Florida Attorney General 's Office redirected me to you to resolve the conflict. PDF document on XXXX cloud XXXX XXXX XXXXXXXXXXXX XXXXsharing All my contacts have in this document. 

Best regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent hard inquiries on my Transunion credit report that are not mine. 

The inquiries are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was originally contact by a blocked number on XXXX/XXXX/16 who advised me I was being summons and to give them my updated address when I refused he advised I needed to call XXXX XXXX law firm, to discuss matter. When I called I spoke with " XXXX '' who stated I owed XXXX for a 5/3 account that originally had a balance of XXXX but he is asking for XXXX. When I asked for more information on who they were he immediately got rude with me. He stated I 'm not a collection agent I 'm a lawyer. He never provided me the attempt to collect a date verbiage. At this point I was fearful and under extreme duress. He stated this is a criminal offense and if you do n't pay today we will see you in court!. At this point I begin to feel threatened and uncomfortable with the situation. He than told me to find some resources and call him at his personal line which was XXXX. After I got off the line with him I contacted 5/3 bank who stated they had no clue who this company was but advised me the debt was only XXXX and was sold to another company .. I also pulled my credit, and I noticed that my credit was pulled on XXXX/XXXX/2016 by them. After making numerous calls to different companies I received XXXX voicemails today from this said XXXX at XXXX legal again harassing me saying he is the only person that can help. As I m typing this complain I received a call from XXXX XXXX XXXX, CA someone who stated that again this is a criminal offense because of the amount and that the charges would be dropped if I pay XXXX
Product: Checking or savings account

I need to open 2 chargeback request for 2 transactions made with my XXXX debit card ending in XXXX... 
I tried to reach the bank but all the phone numbers they provide are not working, the phone calls can not be completed. 

Transaction 1 : Purchase made on XX/XX/XXXX, XXXX XXXX XXXX, must be delivered to my address on profile XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX on or before XX/XX/XXXX Transaction 2 : Purchase made on XX/XX/XXXX, XXXX XXXX XXXX, must be delivered to my address on profile XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, PA XXXX on or before XX/XX/XXXX I tried to reach the merchant several times by telephone and email. They never answered and also never provided any kind of shipment information like tracking number or delivery confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Money transfers

We saw yorkies for sale on XXXX in XXXX. We texted to XXXX number that was in the ad : " Call or text anytime at. XXXX. : XXXX. :. XXXX ''. They responded by text that they relocated to Maryland but they could ship the yorkies. We transferred {$300.00} by moneygram to a person named XXXX XXXX, XXXX XXXX XXXX , XXXX, Maryland, XXXX. After we did this, we received an email from a shipping company asking {$850.00} for a crate to ship the dogs. We would get this money back at arrival of the dogs. 
We suspect this to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2011. However I have yet to receive a copy of an Agreement that I signed.
Product: Credit card

I have a credit card with this company that had a due date of XX/XX/2024. On that date I made a payment to that card well before the time of XXXX XX/XX/2024. Despite me making that payment on the due date the payment processed on XX/XX/XXXX which incurred a past due fee. Noting this error I contacted customer service to try and fix this immediately. I was advised by the rep to call back tomorrow ( XX/XX/XXXX ) when the actual fee occurs to get it removed. 

I called the next day as advised and the rep and the supervisor told me they were unable to remove the fee. When asked why they just said the system won't allow it and it had no reason to deny me the reversal. I asked if I can have any information ( an email, phone number ) with a higher rep to discuss this because this late fee was unwarranted and the supervisor refused to do so.
Product: Credit card or prepaid card

My sams club credit card is suspended to pay 5 % back on gas purchases. I have been issued over XXXX $ since XX/XX/2022. But they are telling me I cant have it to spend!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score [ XXXX, {$32000.00} ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

XXXX, XXXX AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX XXXX XXXX AND Jefferson Capital System WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Checking or savings account

I am filing a second complaint because I believe this is absurd and I have been treated so rude. On XXXX  XX/XX/XXXX after speaking to a chase representative on phone I was told to deposit funds while I was also waiting on my XXXX to hit my account XXXX XX/XX/XXXX. I was assured o could make a deposit to bring my account current after a check was given to me that I deposited and unbeknownst to keep it was not a good account or I never would have deposited. 
I deposited XXXX cash Thursday at local branch and then was waiting for XXXX to hit that I thought was going to be XXXX but ended up being XXXX. On Friday when I called it showed both cash deposit and my XXXX had been rejected due to trying to close my account. After I was told if I brought account positive my account would remain open. I then spent over XXXX min Friday at local branch. My plan was to deposit more money. The manager XXXX was so kind he said no notes had been noted and he agreed my cash deposit and XXXX should have posted towards balance. I wanted yo deposit more money to bring account current but he advised me not to till we found why my other funds had been rejected and of course being a XXXX  weekend nothing would happen till XXXX XXXX. Of course I tried to go make a deposit after work and to be sure all was good with account but by the time I got out of work and to bank they were closed o thought XXXX not XXXX. Anyway my point is I feel I have been treated incredibly rude during this situation with exception of local branch manager. I do not feel this is my fault at all and have been a customer for XXXX XXXX years even a XXXX XXXX. We never would treat anyone like this. I would appreciate honoring what I was told and my account ending in XXXX remain open. I have XXXX  accounts and pretty much everything else tied to this account and treated very unkind during something that was not even my error. You are supposed to protect your customers not treat them like this.
Product: Credit reporting or other personal consumer reports

I am asking can XXXXXXXX XXXX remove adverse information off my three consumer credit reports ( XXXX, Experian, and XXXX ) concerning a one time 30 day late payment in XX/XX/XXXX XXXX I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by XXXX XXXX. This is the only missed payment on my credit report and my XXXX account is closed.
Product: Credit reporting

A XXXX credit card was opened in my name with a {$4800.00}. Limit. It has since been over limit to over {$6000.00}. I learned of this through CREDIT Karma app. I also have XXXX dings. From collection companies that I have No idea about. I did have a bankruptcy several years ago but that information should 've fallen off by now ...
Product: Student loan

I have not received any sort of response or correspondence form your company regarding making arrangements for a repayment plan on my student loan. Our last discussion stated you were going to work on getting the fraudulent and discriminatory default action taking by XXXX corrected so that your company and myself would be able to come up with a reasonable repayment plan. please advise on the progress you have made ; while I understand the illegal actions were not your choosing, having this Illegal and disgusting action that this loan company committed against me removed from my credit report is a MANDATORY step that needs to be taken before any payment is made.
Product: Vehicle loan or lease

Duty pursuant to the FCRA, it is XXXX to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting 1 inaccurate late payment for the Infiniti Financial account ending in XXXX. These include a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Money transfers

As I have done many times before- I placed an order with XXXX XXXX for a {$10.00} embroidery design collection and attempted to complete the transaction thru PayPal XXXX I received a message that the transaction was pending due to a random scan. I attempted to complete the purchase several times and got the pending notice. I finally checked my email and had XXXX emails from PayPal describing the possible 72 hour delay in processing my order. On XXXX XXXX, I got an email stating that my order was complete. A few days later I checked the website I ordered from and the order had been rejected. I checked my bank account and saw that PayPal had taken XXXX {$10.00} debits from my bank Acct and credited only XXXX after rejecting my order. When confronted, PayPal stated that my order had been rejected because of federal regulations and the word " XXXX '' had been connected to my order and they were not allowed to deal with XXXX. I countered immediately that I am in XXXX and have no connections to XXXX and had completed this very sort of transaction over twenty times since beginning my PayPal relationship. PayPal refused to replace the XXXX dollars until I supply a copy of my drivers license and current utility bill to prove my identity. I am very uncomfortable giving my drivers license and utility bill to a company that even suggested that I am doing something illegal. They had no intention of completing the order and should not have debited my acct for the additional {$20.00} in the beginning. They are holding my {$20.00} hostage until I give up my id to them. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages..If you do not remove it from my record, please provide me with written proof of every detail shown in your entry.. Remove unauthorized inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX 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 currently have a virtual XXXX credit card that was used in the past for a payment of a laptop. The account has been paid in full since XX/XX/XXXX. I have never been late with repaying the card. In fact, my account has never reflected any late payments until XX/XX/XXXX. These late payments currently reflect that they originated in XX/XX/XXXX and XX/XX/XXXX, but took XXXX months before appearing on my account! When I inquired about these late payments, I was told that a new banking institution took over in XX/XX/XXXX from XXXX and now manages the accounts. I asked this new company to provide me with my transactions to show I was late in XXXX and XXXX XXXX  XXXX. They told me they could not provide any information to me because they have no history of the accounts prior to XX/XX/XXXX! In fact, they said that any history before XX/XX/XXXX should no longer be used on my credit report. 

This new banking institution that has taken over my account has blatantly falsified late payments on my account.
Product: Checking or savings account

On the XXXX of XXXX. 
Merchant name : XXXX XXXX XXXX Date/time of transaction : XX/XX/XXXX - XXXX Transaction amount : {$280.00} Dispute amount ( must include original transaction amount ) : {$240.00} Was your physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? Yes What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received? it was an ATM withdrawal and expected to receive the cash immediately but the machine only dispensed {$40.00} out of the {$280.00} that I requested. 

On the XXXX of XXXX. I received this email from XXXX XXXX ( XXXX Support ) Hello XXXX XXXX XXXX, We've completed our investigation of your dispute for the transaction of {$240.00} made on XX/XX/XXXX at XXXX XXXX XXXX. 
We're happy to inform you that the dispute has been resolved in your favor. 
The provisional credit you were given on XX/XX/XXXX for {$240.00} is now a permanent credit as a result of the ruling in your favor. 
We appreciate your business and please don't hesitate to reach out with any questions. 

For more information, see our Coinbase Card help article XXXX XXXX XXXX XXXX  Regards, Coinbase Support There was never any provisional credit issued to my account at any point in time and thats for the whole time I have had an account. I have replied to the email numerous times and get no response. I have talked on the phone and online chat with coinbase support and they tell me that they will create a ticket, escalate my concern, and other standard support agent responses that lead no where. I mean it shouldnt be that difficult for them to handle youd think. The investigation is concluded and ruled in my favor therefore why is it taking so long to credit my account and why lie about already doing so?