23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

have fraudulant charges on my card ... .did report it on XXXX/XXXX/2015. 
XXXX/XXXX/2015 they gave us a conditional credit of $ XXXX..but..on same day they took it away ... we filed XXXX-trackers as of today XXXX/XXXX/2015 we have gotten no explanantion. 
on XXXX/XXXX/2015 letter it states that they took {$190.00} back ... but ... around XXXX/XXXX/2015 they took another {$190.00} off of account..operator confirmed that she had never saw that done..but again no answer. filed another tracker plus said it shows still pending. on XXXX/XXXX/2015 talked to another operator which stated this company has hit our account hard and again..cancelled card again..they never stopped these fraud charges ... .so far direct express was suppose to give answer within 90 days..which was XXXX 2015 and has not. so far they have taken $ XXXXx2 plus over XXXX in fraudulant charges from XXXX, just now got that info waiting for verification letters tyo come in mail.
Product: Money transfer, virtual currency, or money service

I opened the account with Bitstamp and made a deposit of {$10000.00} USD on XXXX XXXX, 2023. While Bitstamp deals with virtual currency, I never purchased any virtual currency and today my {$10000.00} USD is sitting at Bitstamp. They give no reason why I can not withdraw it back to my funding account. They have held it for 6 months and give no reason why they are holding it. They have gone through multiple people on the support line and they are clearly stalling, and unorganized. 

All I want is to withdraw my funds to my funding account.
Product: Mortgage

Selene Finance now bought my mortgage. It was transferred XXXX. 
They started sending me overdue payment letters immediately. I called and told them I was on a Covid 19 Forbearance program until XXXX. 

On XXXX I spoke to XXXX and was told they did not have that information. I had to contact the old mortgage co and have a letter sent to verify. 

I did that and sent it to their email address on XXXX and XXXX. They verified receit of the letter on XXXX. 

A letter dated XXXX which I received 2 weeks later stated they updated the forbearance thru XXXX. 

Today on XXXX I called to move forward and verify they updated my account and this is what happened. This is what I learned today. 
They sent a forclosure letter dated XXXX that I must pay all payments from XXXX thru today by XXXX total {$32000.00}. I thought that must be wrong and would not have any bearing since they finally updated the forbearance thru XXXX. 

Total time on the phone with Selene Finance was from XXXX thru XXXX. 

1. XXXX she understood that they did not have forbearance information for the prior months and was going to have her supervisor help to fix the situation. She went back and forth on the phone with me for over 1.5 hours while they were working on it. Then my call was put back into the Que to wait for another operator. 
2.XXXX- I told her the above and I would like to talk to a supervisor then she disconnected me. 
3.Called customer service again and on hold for 20 min and disconnected from customer service line. 
4.XXXX- Told her everything and she was going to look into it and then again disconnected. 

XXXX figured out the covid 19 forbearance info was not updated correctly. I have been on it for several months. There are no months in default for payment. I was on the forbearence the entire time payments were not made for the mortgage. 

This needs to be corrected. All information they requested was given and you would think the information was provided by the original mortgage too. XXXX XXXX XXXX XXXX XXXX Selene Finance has been billing me for months which is against the Covid 19 forbearance and now have me listed for a forclosure if all money is not paid by XXXX. 

This is all illegal. 

I have not received 1 accurate letter from Selene Finance. 

They also sent a letter stating I applied for a Loss Modification. That is fraudulent I did not fill out any paperwork they needed to first fix that I was approved for the Forebearance thru XXXX. 

Please help with this situation. I am unable to get any help from the customer service line. 

I was on a Covid 19 forbearance. All forebearnce information needs to be updated onto their records. This illegal default must ceese and is against all Covid 19 Forbearance rules. 

Thank you
Product: Credit card or prepaid card

The complaint is related to a PNC Bank credit card. The card has been used successfully for 14 years. The card has XXXX points, and I called to request the points be converted to a credit on the account. This had been done by me successfully one year ago. On approximately, XX/XX/XXXX, I called customer service to request the points be credited to our account. After being on the phone for 45 minutes and talking with two customer service representatives, I was transferred to XXXX in the fraud department. The reason, I learned, is that my husband is the " primary '' on the card ; I am a " qualified '' user ( my terms, may not be what PNC uses ). That was learned during the last 10 minutes of the 45 minutes on the phone -- after I asked XXXX a simple question, " What is the problem? '' My husband 's last name is not the same as mine, he is XXXX   years of age, was diagnosed with XXXX XXXX in XX/XX/XXXX ; and was unable to answer some of the security questions. That is, I believe, why we ended up talking to the person in the fraud department. This card is the only PNC Bank connection we have. XXXX solution : go to the nearest PNC Bank and complete paperwork to have me listed as a primary on the account. She looked up on her system, and said there is a PNC branch in XXXX, Minnesota. They are no longer a branch, and there is not a PNC facility within our state and region. At no point were forms offered that would allow me to become a primary on the account. To me, a simple solution would be to mail them, complete them, have them notarized, and mailed in. I am no longer using the card, and plan to cancel it upon a satisfactory resolution of the outstanding points -- in the form of a check sent to our home.
Product: Debt collection

I 've already asked barri finance not to contact me at work.or visit my work or my husbands work and they keep doing it l.
Product: Credit card or prepaid card

I have a Coinbase VISA Card that is connected to my trading account. I used my Coinbase card only one time on XX/XX/XXXX, just to see if it works and activated it. Then I put the card in my safe and didn't want to use it because XXXX lost so much value. On XX/XX/XXXX I received an email saying a transaction was declined. I'd never received an email like this so I went into the account to see what is going on. To my horror, I saw there were over 50 charges to this card in other countries, mostly the XXXX. I immediately contacted Coinbase Global Inc. I was told that they are unable to assist me because they only investigate transactions that fall in the last 120 days. Interestingly enough all the transactions that fell in the 120-day period were either declined or refunded. Refunds were made to amounts that weren't even charged. So I have no idea what the refunds were for. 
I then when to my local law enforcement to report it. They looked through the statement and also agreed that it was very suspicious what was going on. Upon further investigation the found that all the transactions were from other countries that I'd never even been to. But at this point, their hands were tied because they do not have jurisdiction in these countries. 
I wrote a complaint to Coinbase and yet again they refuse to look into the situation. I then wrote to the SEC and they suggested I report this to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for further assistance. I could supply the statement for my card to you if needed. This is very suspicious to me and law enforcement and we believe that Coinbase might sell card info to criminals or they are using the info themself. I would really appreciate your help in this regard and if you can investigate Coinbase. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian to have a negative accoujt removed from my credit report. 
There a three errors  for this particular account. The account was with XXXX XXXX  XXXX XXXX XXXX 
The account states its been charged off. 
Then it states the amount {$610.00} had been written off. 
Then it states the amount {$610.00} is overdue as of XX/XX/XXXX. The month of the dispute. 
This account was closed at the credit grantor request. Yet, Experian continue updating the information as accurate instead of deleting it from my credit report. 
I disputed the same errors XX/XX/XXXX. 
I also disputed the same errors XX/XX/XXXX. 
Each time I dispute this account, experian updates the amount owed to the month I disputed it on. 
This account was closed at credit grantor request. 
Why does experian refuse to delete this from my credit report?
Product: Debt collection

Genesis Credit Management LLC dba Columbia Debt Recovery is reporting the same debt under different names and they are changing the dates the debt was opened in order to report false information for a longer period of time. They are violating the FCRA and I do not have a debt with them. They do not have proof of signed documents with me owing them a debt. Remove the account and the derogatory mark immediately before I sue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Equifax, LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Equifax, LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Equifax had possession of my information.
Product: Debt collection

XXXX XXXX XXXX keeps reporting 2 collection accounts to my credit report. I have sent them letters dating XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, asking them to provide a contract with MCM as validation with my signature. They ca n't provide that. They can only tell me that the screen shows I owe them the money. They continue to report this to my credit report with all 3 bureaus which costs me more money in interest with the companies that I do have contracts with and I have been denied credit because of this issue. I want this false information to be taken off of my credit report.
Product: Checking or savings account

On XX/XX/2020, by XXXX XXXX, M, Court Order " Civil Action No : XXXX, I was appointed Trustee of my Trust ( Trust ID XXXX ). ( The original Trustee is deceased. ) Bank of America has refused to acknowledge the appointment. They do not know the difference between a " TESTAMENTARY TRUST '' and a " TRUST ''. They believe that the DECEASED person directed that a TRUST be established FOR HIMSELF AFTER HE DIED!! ) Therefore, they have contended that I am NOT the Trustee of the account in my name " XXXX XXXX XXXX XXXX '', Account number XXXX XXXX XXXX. I have had three conversations with my attorney who had the documents produced. He has more than thirty years ' experience in the field of Trusts, and confirms that the document is appropriate for my appointment. Bank of America REFUSES to give me access to the account. This has continued through contact with multiple employees XXXX email, phone and XXXX XXXX since XX/XX/2020. They are, essentially, STEALING my money. 
Enclosed are copies of ( 1 ) The " XXXX XXXX XXXX. XXXX ( 2 pages ) ; ( 2 ) Page one of the " Last Will and Testament of XXXX XXXX XXXX XXXX page one ) ( Court document XXXX ), wherein Section II directs the establishment of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

This complaint covers TWO civil suits that the company has in my district court. Both were discharged in bankruptcy court. The two cases remain in the court docket in XXXX XXXX Kentucky. 

The first case XXXX was addressed by the company in CFPB COMPLAINT XXXX. The company stated in reply on a letter dated XX/XX/XXXX : Our records indicate that a lawsuit, Case No. XXXX, was filed on or about XX/XX/XXXX in XXXX XXXX XXXX in XXXX XXXX, Kentucky. A dismissal of the lawsuit was filed in XX/XX/XXXX, but upon review, the dismissal did not show to be recorded. The dismissal was refiled with the court on XX/XX/XXXX by Resurgents third-party servicer, XXXX XXXX XXXX, and they are awaiting the entry. Please see the attached docket for review They then attached an UNOFFICIAL COURT CASE summary. It appears again for the second time nothing was recorded. 

THE COMPANY HAS TO SUBMIT A MOTION TO THE COURT TO DISMISS THE SUIT. 

IT MUST DO THE SAME FOR THE SECOND CASE THEY FILED : XXXX XXXX KY XXXX XXXX CASE NR : XXXX. 

If the companys attorney XXXX XXXX XXXX in Michigan is unfamiliar with Kentucky Civil procedures, I suggest they contact the court for proper procedures to dismiss BOTH cases. 

Bankruptcy was discharged in XXXX, YET BOTH CASES REMAIN ON THE COURT DOCKET IN XXXX. 

ENOUGH!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; AND  XXXX XXXX XXXX XXXX.  These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you must complete this reinvestigation within 30 days of receipt of this complaint.
Product: Credit reporting or other personal consumer reports

So I was XXXX XXXX XXXX XXXX  up until XX/XX/XXXX and my card was used and paid for through these months. I don't want to explain too much so I have added documents showing my XXXX  date, ( Day of XXXX  ) and my XXXX date. The day I was held until. Therefore that shows where I was, when and how long. I have added a few documents but I had not made a payment personally since before XX/XX/XXXX. After that date I was struggling with legal problems and had went to XXXX  one after another. I was not home, I did not have any of my cards or phones. I couldn't access my emails and phone numbers and I had no access to the Walmart card. Therefore I don't know who used it when they did. If they made payments for a little while or not and then they maxed out and just stopped making payments. 
Now so that you know I was back home at the date I was released on XX/XX/XXXX. This is when I finally returned home and a week or so later I found out about this credit line and how much I owed. I made a {$20.00} payment out of confusion and wanting to resolve this, but later I investigated and seen that there had been transactions and what not that I did not make. So that's why I'm here again reporting and disputing this account once again because I need to resolve this. I will pay back what I owe but {$880.00} is not what I owed. My credit limit was only {$400.00}. As you can see there must be a lot of fees and whatnot because of no payments and I'm very stressed out about this as my credit is very important to me. I'm only XXXX XXXX XXXX and I've always did my best to spend what I can afford and make on time payments. I can not have this report remain on my credit as it was fraudulent 100 % I'm very thankful for anyone who looks into this and I will leave another message down below. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, 2015 I contacted XXXX XXXX and XXXX over the phone to come out and clear the line on my pool. He told me this would cost {$85.00}. I agreed and made an appointment. He was running hours late that day and finally i had to leave. I told him he could go into my backyard and perform the service. He called hours later to tell me that it was completed. I gave him my credit card number so that he could charge me the {$85.00}. I received no receipt at my home or in the mail. When i received my statement i was shocked to see a charge for {$220.00}. I tried contacting him on several occasions and only received voice mail. I left several messages and never received a phone call back. I then disputed this with U.S. Bank. I was told by their customer service that i needed a receipt of the transaction and without it i could not dispute it. I told them that i did not have a receipt which shows further that this company is not reputable. I spoke with several people there and was treated rudely. Is it not true that the burden of proof lies with the store that initiated the charges to my account? Is it also true that one of the reasons that i can be issued a chargeback to my credit card account is that the merchant did not get a signature from me? XXXX 's XXXX XXXX and XXXX is not a reputable business. 
I feel that the decision to not re-credit my account by U.S. Bank should be reversed. Thank You.
Product: Debt collection

I decided to check my credit on XXXX XXXX. Imagine my surprise when my XXXX  score showed in the low 600 's due to a medical collection in the amount of {$110.00}. 

I called the collection agency - XXXX XXXX XXXX XXXX - on the credit report and asked them if I paid the debt, would they give me a letter stating that the debt had been paid and be deleted from my credit report? They refused, telling me that they would only give me a receipt. No guarantee of reporting back to the credit bureaus that the debt had even been paid. 

I then asked them when they received this debt, as I never received a notification of any kind, in writing or a phone call, to notify me. Again, they refused to answer. 

I have had this happen twice before with medical co-pays, and the collection agency either called me or sent me a letter allowing me to pay the debt before it was reported. 

XXXX XXXX XXXX XXXX is a terrible agency, since they will not provide documentation of any sort showing that a debt has been paid to allow the consumer the chance to correct it with the bureaus.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX OF XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

My Barclays credit card number was used in XX/XX/XXXX for fraudulent purchases. I reported it and Barclays issued me a new card. 
In XX/XX/XXXX the new card had more fraudulent purchases, Someone hacked my account at Barclays and transferred money through autopayment from my bank in the amounts of {$6400.00} and {$72.00} on XX/XX/XXXX and {$7000.00} on XX/XX/XXXX Barclays said they would investigate in response to my phone call on or about XX/XX/XXXX. 

I reversed the charges on XX/XX/XXXX, in the amounts of {$7000.00} {$6400.00} and {$72.00}. Barclays told me they found fraud and corrected all charges. Barclays sent me a statement in XX/XX/XXXX saying I owed them {$7000.00}. I immediately called but they told me they investigated and concluded I was responsible. They fraudulently listed my {$7000.00} chargeback as a " Cash Withdrawl '' I had not used the credit card at all since XX/XX/XXXX, so every charge they were claiming was fraud. Their investigation was incompetent, or involved the insider who stole the credit card number.
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and and doesnt belong to me and need to be removed also XXXX  XXXX  as well thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX