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

I downloaded coinbase app from the XXXX XXXX. 
I followed all instructions. 
I lost all my saving over {$130000.00} From XXXX XXXX XXXX through XXXX XXXX XXXX I had over 100 unsuccessful conversions emails. 
When that happened I had to corresponded to coinbase customer support to be able to convert my crypto. 
I never had the problems resolved during those months. 
I felt like I was manipulated. 
In many occasions I corresponded to the customer support, but they said its because of price changes. 
I also had other issues with the coinbase platform. 
Couple times I was trying to convert my cryptocurrencies I had internet issues for no reason, also it happened few times when the platform performed weird it freezes ( bug ). 
I corresponded with different online lawyers but none took the case instead I sent a bunch of information like screenshots and emails. 
I got scammed by sending money online to a paralegal who assured me of the results. 
I need to be guided to the right direction. 
I just cant deal with the wrong people anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, XXXX, Transunion and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the XXXX. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Credit card

Someone was charging my account in a different state which is the story XXXX told me I didnt even realize I had an open account with them since I had canceled services with them years ago due to the horrible service at my address. 

My card was charged for a few devices ( Phones ) and close to 2 years monthly for services not rendered to me. At first, my credit card company with U.S. Bank was helping me and reversed the charges of over XXXX XXXX  which has caused me much grief and aggravation. 
I have enclosed a police statement and an email from XXXX stating that I was relieved from the charges. I also would like to get compensation for all the additional interest charges acquired. I thought credit card companies were supposed to help their customer with these types of matters. 

I also did not have a XXXX account opened at that time and had another cell phone carrier for my services and had proof of this but XXXX and U.S. Bank didnt care about this if they did they would have refunded me a long time ago instead I have a collection on my credit that I have to dispute as well.
Product: Debt collection

Dear NATIONAL CREDIT ADJUSTERS , L.L.C I am writing to formally dispute a debt collection account that has been reported to my credit report # XXXX I believe this account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). NATIONAL CREDIT ADJUSTERS , L.L.C has zero authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) NATIONAL CREDIT ADJUSTERS , L.L.C has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed. 



I request that you investigate this matter and take appropriate action to correct the inaccuracies in my credit report. I also request that the debt collector cease all collection activity on this account. My final request is that you furnish the purchase agreement between you and the original creditor.
Product: Mortgage

In XXXX of XXXX my husband was put on permanent XXXX. I was making the payments on my mortgage until Covid hit. I put the loan on deferment for 3 months. The situation with COVID has not improved and I am still not working full time. I have applied for a loan modification on XX/XX/XXXX. To date I am still submitting the same information to them in a different format. I have sent everything needed at 5x just a different format. I have a leave messages to get a call back from my specialist. I do exactly what he says and call the next day and he wants it differently. I received 2 notices of foreclosure and I have been touch with company everyday resubmitting the same information in a different way. I really need some help getting this process moving and the foreclosure notices to stop and help me obtain approval for the modification. I have numerous files and will upload whatever you need. I am sending a few as samples of the documents being sent multiple times with small differences etc.
Product: Credit reporting or other personal consumer reports

My information was used to open fraudulent accounts, such as credit cards, loans and collections, XXXX XXXX, Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX  on XX/XX/XXXX, under the account number XXXX, an XXXX collections with XXXX XXXX opened XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX under the account number XXXX, and note loan opened at XXXX XXXX XXXX XX/XX/XXXX that's paid and closed under the account number XXXX, and lastly a XXXX secured loan opened XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My joint in trust accounts XXXX and XXXX with my wife XXXX XXXX XXXX were closed by Bank of America and the funds were transferred to the state of New Jersey. 

In XXXX, 2023 I received a letter from Bank of America stating there was inactivity. They offered three options to let them know I existed. One was to call an XXXX number which I did. After speaking with a representative and answering a number of questions, I was assured my accounts would remain open and the monies would Not be transferred to the state. When I received my latest statements it showed zero in each account.

I went to the local bank and the manager made a call and was told nothing can be done and I would have to go to the state of Florida to get our money back. Then was told its at the state of New Jersey since the accounts were open there ( these accounts have been there over 50 years and one holds my XXXX veterans monthly money ). Then was told again its in Florida and lastly and finally its in New Jersey. Thus far, it doesnt show up on the website. XXXX emailed B of A consumer care and again was told I must pursue my monies even though it was their mistake. 

They let me know that they should have sent us a form to fill out since these are trust accounts and that was never mentioned on the initial call to keep the accounts active. And then to tell me that they will now train their representatives to do so. Obviously this doesnt help us. Because of Bank of Americas mistake handling our money, we are left without it and the responsibility to get it back. Please help us and save someone else from their lack of care and responsibility with customers money. 

Thank you in advance for your help in this very upsetting matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX  - XX/XX/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 XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle. Wells Fargo was the lender. Wells Fargo repossessed my vehicle even though I sent in my payment. Now they sent a check of a little over XXXX dollars. Wells Fargo will not remove this from my credit report. My husband was the primary signer on the account, therefore, I feel this item should be deleted from the credit report. In addition according to the letter, we ( I ) received from Wells Fargo I have the option of seeing an attorney to pursue legal action against Wells Fargo. All I want is for them to remove this item from my credit report and remove from my husbands ', XXXX XXXX XXXX, credit report and I will not pursue action against them. This has made my credit score go down. I lost a job paying over XXXX per year. Not only that I have tried to work with them to get this item removed/deleted from our credit file. All three credit reporting agencies tell me it is up to the creditor to remove and how they report to the credit bureaus. This is Wells Fargo mistake and I nor my husband should have to pay the penalty of their mistake by making our credit scores go down. All we want is for Wells Fargo to delete the item from our credit reports. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Mr. Cooper claims {$85.00} in deferred late fees on my monthly mortgage statements. I have never been late in a single payment to Mr. Cooper since it took over my loan XX/XX/2017. Attempts to remove this charge have been futile.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX regarding my issue with them sharing my personal information with nonaffiliates which includes XXXX, XXXX XXXX XXXX and EQUIFAX. According to XXXX privacy policy which is also attached states that they do not sell or share my personal information with non affiliated XXXX parties I have made multiple attempts to opt out of them reporting my personal information which is backed by the privacy act of 1974. Copies of notices are attached. 

Not to mention Webbank/fingerhut, XXXX, XXXX XXXX XXXX and EQUIFAX an are reporting income to my report which illegal according to the IRS publication XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. Webbank/fingerhut is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d If This account startin with XXXX is not removed from all credit reporting agencies I will be filing the appropriate forms on all parties involved with the appropriate authoritative agencies such as the IRS to combat the fraud perpetrated against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding an account with XXXX  ( Account # XXXX ) *. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported is accurate and complete. After reviewing the details of the account, I have identified several discrepancies that require your prompt investigation and correction. 

Details of Discrepancies 1. Inconsistent Reporting Dates : The Date Reported field varies between the credit bureaus : TransUnion lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX also lists XX/XX/XXXX. Reporting dates should be consistent if the information was updated simultaneously. 
Action Requested : Please verify the correct reporting date and ensure consistency across all credit bureaus. 
2. Missing Payment History ( TransUnion ) : TransUnion does not include any payment history for this account, while both XXXX and XXXX show missed payments from XX/XX/XXXX to XX/XX/XXXX. A complete payment history is essential for accuracy and compliance with the FCRA. 
Action Requested : Confirm why payment history is missing for TransUnion and update the report to reflect the accurate payment record. 
3. Charge-Off Status and Timeline : The account was opened in XX/XX/XXXX, yet it reflects a charge-off as early as XX/XX/XXXX. Given the short timeline, this raises questions about whether the charge-off was processed correctly. Secured loans typically involve collateral, and the creditors policies should align with industry standards for charge-off timing. 
Action Requested : Please verify the timeline for delinquency and confirm whether the charge-off was applied accurately according to the creditors policies. 
4. Credit Limit Reporting : The account lists a credit limit of {$0.00} for a secured loan. This is inconsistent with how secured loans are typically reported, as the limit should reflect the loan or collateral amount. 
Action Requested : Confirm and update the credit limit to accurately reflect the loan terms. 
5. Dispute Status : The report indicates that the account has not been disputed, yet this information is under review. If any previous disputes were filed, this status should reflect that history. 
Action Requested : Confirm and update the dispute status if prior disputes were initiated. 

Action Requested I respectfully request that you : 1. Investigate the discrepancies outlined above and verify the accuracy of the information with the creditor ( XXXX ). 
2. Provide me with an updated credit report reflecting the corrected and complete details. 
3. Inform me of the results of your investigation within 30 days, as required by law. 

I have enclosed a copy of my identification and a copy of the relevant credit report for your reference. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

I am writing to seek assistance regarding an urgent issue with my XXXX checking account. On the XX/XX/year> of XXXX, I received a direct deposit for my company, XXXX XXXX XXXX, which was unfortunately restricted just XXXX hours after the transfer. 

I have reached out to XXXX customer service multiple times to explain our situation. The funds are critical for our business operations and essential household expenses, as we need to purchase groceries and medications for my son. Unfortunately, I am unable to withdraw the funds at this time. 

During my conversations with customer service, they inquired about the company 's name associated with the transfer. I clarified that XXXX & XXXX is indeed our company 's name. They mentioned that the matter would be investigated, but we have yet to receive any updates after several days of waiting. 

This amount of {$3900.00} is significant for us, especially since we are a small company and my husband is currently without another job. I kindly request your prompt assistance in resolving this matter. 


The email attracted to the XXXX account is XXXX Checking Routing # XXXX Accounts # XXXX Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I went to XXXX XXXX in XXXX, WA. to make XXXX purchases. The cashier told me that the old XXXX XXXX card is no longer accepted, so she opened a new card for XXXX XXXX American Express. I told her that I had a credit on the old card of {$120.00}, and if she is closing that out, to please transfer my credit to the new card or send me a check. 

I did not receive a statement from XXXX XXXX American Express until XX/XX/XXXX. They added a {$38.00} late fee, and {$3.00} interest charged for late payment. I called both XXXX XXXX and American Express.  XXXX XXXX finally sent me a check for {$120.00} credit on the old card, and American Express removed the late charges off my new card. All was well, until I realized that this mistake lowered my credit rating to XXXX. I have always taken pride in having an over 800 rating! 

I am pretty upset about this because I pay my bills in full every month, and often make early payments. Please look at my American Express payment history. If I had received their statement prior to XX/XX/XXXX, I would have paid it. Please restore my credit rating.
Product: Credit reporting or other personal consumer reports

The following tradeline that the agency published about me is inaccurate and incomplete!
Product: Credit card

I was charged a {$27.00} late fee on XX/XX/year>. I made an online payment that posted on XX/XX/XXXX, after pending on my account for a few days ( due to the XX/XX/XXXX holiday ). 

I called Capital One 's customer service department and a man told me to call back in a few days, after my payment posted. I called back on XX/XX/XXXX and talked to a person who said she was a Supervisor and her name was XXXX. 

She said that my late fee would not be removed, despite my never being late on payment before and having XXXX accounts with Capital One. And she wouldn't send me written information regarding a grace period, or the policy of removing a fee as a courtesy for a customer.
Product: Debt collection

I disputed this debt via another debt collector last year that had this debt and it was deleted off my report due to not having proper documentation to collect the debt. Also once this debt was removed it can not be placed back on my credit for collection and if it does it gives me the right to sue any party that violate my rights.
Product: Credit card

I reported an unauthorized charge on my credit card with Citi bank. A charge was made that was not expected. The charge was made at a XXXX car rental. I was offered a free upgrade, only to find that that it was not free, but instead charged {$240.00} for this upgrade. When XXXX had me sign they gave me a PDA without a total on the screen, and the salesman said it was an agreement for the car rental. Nowhere was it visible that there would be an additional charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my reports that are not mine.
Product: Debt collection

I was on vacation today and received an email from a co-worker I do n't know. XXXX XXXX from Bonneville Collections contacted my employer and identified herself as a collector to a co-worker. I received an email with the message, including XXXX XXXX from Bonneville Collections called XXXX. It 's extremely embarrassing because I do n't even know if this is a valid collection attempt as I 've never heard of them.
Product: Money transfer, virtual currency, or money service

I am a XXXX that had a XXXX account created for me in Venmo, but it had all these weird limits and wouldnt let me receive any money and was really inconsistent with how I could receive it. I created an XXXX account in order to be able to receive money properly and it let me create the account and put money into it and let people send me money just fine without questioning if I was actually an XXXX. today I tried to withdraw my balance, and they just said no. they let me add money to my account, pretty much giving them money without questioning if I was an XXXX but right, when I tried to withdraw or access any of my money, they deny me.