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

Dear Coinbase Support Team, I am writing to formally lodge a complaint regarding my ongoing difficulties in accessing my Coinbase account. I originally created this account while residing in the United States but have since returned to my home country, XXXX. Unfortunately, I no longer have access to my XXXX phone number, which has prevented me from logging into my account. 

Over the past several months, I have made numerous attempts to resolve this issue through Coinbase 's verification process, submitting various documents including my passport, government ID, and an electricity bill. Despite these efforts, I have been unable to regain access to my account. 

I am deeply disappointed with the lack of responsiveness and assistance from Coinbase 's customer support. Despite multiple requests for help, my situation remains unresolved, and I have not received adequate support or communication from Coinbase. This experience has been highly frustrating and concerning, especially considering the financial nature of the services Coinbase provides. 

As a customer, I expect a higher standard of service and a more reliable process for resolving such critical issues. The current situation not only undermines my confidence in Coinbase 's services but also raises serious concerns about customer support and account security. 

I am now reaching out in the hopes of finally receiving the assistance necessary to regain access to my account. If this issue is not resolved promptly, I may be forced to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the lack of adequate support and resolution provided by Coinbase. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX theys try to take my home in i take the attorneys from XXXX XXXX they help me the lawyers but the take all my money from XXXX to XXXX i {$1.00} in they put new balance on my house they refinance but the bank put new balance i pay o most XXXX XXXX dollars in theys never give to me back my money i pay before
Product: Money transfer, virtual currency, or money service

The truth to facts of the secondary mortgage is that a Beneficiary Seller Agent, which prepared a Sales Contract, Promissory Note Agreement of the Buyer, unlawfully converted the Promissory Note Agreement, that is a Substitute for Cash, into a Investment Deed of Trust Contract, in favor of the Beneficiary Seller Agent, by legal fraud. 
The undisclosed principal trustee, custodial cestui que trust, or SSN, has property interest in a financial public revenue unit asset note, and it is a violation of real property rights of the absolute trustee for an agent to hold, transfer, or deal with the financial asset interest. 
A authorized, licensed dealer representative of State, is defaming a natural person trustee character, by giving false reports on credit, as if it is a Beneficiary Seller Bank 's credit, and Debasing a Legal Persons Promissory Note, blank endorsement, by extortion of credit. 

This common law of agency, undisclosed principal scheme, hides who is the trustee, along with the original note that shouldve zero balanced out the commercial paper transaction, credit sales contract. 
Deceptive or fraudulent security exchange business practices is when a seller or buyer agent, makes or induces others to rely on a false or misleading written statement for the purpose of obtaining contractual property, promissory note agreement, security interest or credit. 
PUBLIC AUTHORITY IS SUPPOSE TO PROTECT THE PUBLIC INTEREST, NOT IMPAIR SSN CONTRACTS
Product: Credit card or prepaid card

Capital one tap ( see attached ) tried to bait me to apply. they denied it with a form letter with info not true as deliquencies on my credit, which I have none. 

I have XXXX other credit cards open with them as they can check my credit anytime. Why are they doing this knowing you will not be approved? I have good business credit, XXXX XXXX XXXXt show me with XXXX XXXX approval and low risk of not paying this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to check my recent credit activity but can not check through the online.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Ive tried numerous times to resolve issues with Wells Fargo but they keep coming up with lie after lie trying to say they notified us when we were in danger of a foreclosure when you did not, saying we didnt pay when we did try to make payments but they told us we couldnt during a loan modification so they are the reason we fell even more behind on everything ... when we finally got a chance to do a loan modification they turn around and say we never did a trial run and we didnt make payments when we most certainly did and we have had enough we had to do not one but two emergency bankruptcies that cost us money we dont have and had to pay which messed up our credit even more ... not to mention the stress they have been causing us which in turn has made us not feel to great we want restitution in the amount of XXXX XXXX not a XXXX less ... we will not rest until we get this resolved and save our home and our sanity.. from what these crooks did to us ...
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. Experian : Balance {$10000.00}, Balance updated XX/XX/XXXX, XXXX Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid off.XXXX XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In XXXX : Balance updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received a late payment report with American First Financial my last Payment was XX/XX/2023 as shown on my report. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( AFF ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and the company. 

Furthermore, I am requesting that according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with a company called XXXX XXXX I am XXXX and have been struggling since XX/XX/2009. This company did not ask me if I wanted the life insurance and they charged me XXXX to insure my items i Used for collateral. The life insurance was XXXX The person in the office really did not go over this information with me. I called the company the next day and told them I had life insurance and my agent who handles my property insurance said my collateral items were covered under my home owners policy. I do not need this services.I have recently wrote a letter to the office asking them to remove these charges. They have not yet. People like myself who has a disable nag condition lose our jobs our health insurance and end up going bankrupt. Prior to this I had excellent credit. These lending companies charge outrageous interest then they add the insurance to your loan and you pay interest on this also. They have reported to the credit bureau that I have a loan for over 6,000. I borrowed XXXX.
Product: Credit reporting or other personal consumer reports

I'm not liable for the debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX The did not provide me with original contract that I requested.
Product: Checking or savings account

On XXXX XXXX, I noticed there was an unauthorized transaction. I immediately contact customer service with my financial institution. I told them there was an charge I did not authorize. As I was on the phone with the representative. Another unauthorized transaction went through. I was advised I could not dispute until it cleared. After it cleared a couple of days later. I disputed it. After several disputes and denied emails. The financial institution found no errors. After a police report and speaking with the two merchants myself. They traced my card to the purchases. Then I was advised my bank would have to be the one to reverse it. My financial institution still finds no error and will not reverse the payments.
Product: Credit reporting 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 XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CALIFORNIA XXXX XXXX CONTINUES TO ILLEGALLY PULL MY CREDIT REPORT. I HAVE ASKED THEM TO STOP. THEY PULLED A REPORT ILLEGALLY THRU EXPERIAN ON XX/XX/2022 CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/2022, I filed a dispute for a debit card charge on my USAA Checking Account for a partial amount due to an incorrect amount charged by the merchant 'XXXX  XXXX XXXX XXXX on XX/XX/2022. XXXX merchant was contacted multiple times to correct the issue, all to no avail. The merchant 's lack of communication necessitated the dispute. 

As per USAA 's representatives, the bank allows a time-frame of 180 days after a charge occurs to file a dispute. I filed the dispute at 166 days, which was within the time-frame. Nonetheless, USAA rejected the dispute due to " untimely filing ''. 

USAA also noted that they " could not find an error with the charge ''. However, the bank failed to contact me to request documentation regarding the error. 

I wrote a letter to USAA Federal Savings Bank on XX/XX/2022 to refute this rejection of my dispute. The letter outlined the inaccuracies in the rejection notice. It also supplied the documentation that they failed to request from me. Unfortunately, USAA did not respond to my letter. I re-sent the letter multiple times by fax, most recently on XX/XX/2022, but they have still been unresponsive. It should not take two months to respond to a letter.
Product: Credit reporting

This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Transunion was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ;
Product: Checking or savings account

XXXX XXXX  XXXX, I was a victim of debt card fraud. Navy federal claimed they did an investigation and denied my claim to refund my money. They closed my card and told me I was not eligible for another card until XX/XX/XXXX. I was advised the account checking account was closed. XX/XX/XXXX, a direct deposit was mistakenly deposited to my Navy federal account, because the account was closed. The funds were routed to my savings account. {$170.00} was taken from my deposit. When I called Navy Federal XX/XX/XXXX, they stated the funds were taken to cover a balance on a charged off checking account. I was unaware the account had a balance, or it was charged off because in XX/XX/XXXX I was told it was closed. The supervisor advised he was unable to refund the {$170.00} due to the account being closed. I requested all calls be pulled in XX/XX/XXXX to confirm the account was supposed to be closed and I had a {$0.00} balance so it shouldn't have been charged off.
Product: Credit card or prepaid card

Hello on XX/XX/20 I was aware of a XXXX XXXX account reporting in my name that I never opened up. Upon filing a complaint with XXXX XXXX they have assured me there is no store card in my name. I am trying to make sure there is also no AMEX account in my name as I did not open up this card
Product: Debt collection

Wells Fargo has a loan on my credit report stating that its a charge off. However, the account was settled. I have tried to dispute it to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit report on XX/XX/2020 without my consent. 

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an inquiry without my written instructions.
Product: Credit reporting or other personal consumer reports

Complaint Against TransUnion for Unlawful Reinsertion of Fraudulent Collection Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for unlawfully re-reporting a fraudulent collection account on my credit report, despite clear evidence proving that the debt does not belong to me. TransUnion had previously removed this account after I provided my Identity Theft Report, yet they have now wrongfully reinserted it without proper verification in violation of the Fair Credit Reporting Act ( FCRA ). 

This account is fraudulent, as the Social Security number and identification associated with it do not belong to me. I have already submitted all necessary documentation to prove this, yet TransUnion has allowed the account to be reinserted without any legitimate verification. This is a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which mandates that a credit bureau must notify the consumer and ensure proper verification before reinserting an account that was previously removed. 

TransUnions actions are reckless, negligent, and unlawful. Their failure to properly investigate and their blatant disregard for my legal rights under the FCRA have caused significant harm to my credit profile and financial well-being. 

I am requesting the CFPBs intervention to ensure that : This fraudulent collection account is immediately and permanently removed from my credit report. 
TransUnion provides a written explanation of how and why this account was reinstated despite clear evidence of fraud. 
TransUnion is held accountable for violating federal credit reporting laws and disregarding my rights as a consumer. 
I appreciate the CFPBs prompt attention to this matter and request a full investigation into TransUnions handling of this case.
Product: Credit card or prepaid card

I had an issue with XXXX and they issued me several refunds. My bank only partially refunded me the payments that were refunded to me. I opened a case with them, and they did nothing to resolve it even though I spoke to the merchant directly and they provided me with all of the receipts regarding the refunds. 

Instead, the bank closed my account. Then I noticed they reopened my account with no explanation. 

I would like the rest of my refunds.
Product: Mortgage

In XXXX I called BSI Financial Services to explain that my outgoing mail had been stolen, including checks, so I closed the bank account that BSI had on file and wanted to share my new checking account information. 

I followed their procedure to change this information, yet my XXXX payment returned NSF. I called them, they said it was a time issue ( change done too close to the draft date ). I replaced the payment. 

I asked them to waive the NSF fee of {$25.00}, but they didn't. I asked them to waive the {$79.00} late fee which they eventually did. 

My XXXX draft was also returned NSF, which incurred another {$25.00} NSF fee and another {$79.00} late payment fee. I called again, replaced the payment and asked to confirm my account information. They told me that when they received my new check, it was input into their system incorrectly - a simple typo. 

I said that's fine, and asked for all fees to be waived. They refused. I have called multiple times and have been transferred to " the Office of the president '' which is just a voice mail. No one has returned any of my calls and I am not making progress with customer service representatives because ... .they said they can not waive the remaining late fee and 2 NSF fees because they already waived a fee. That is their standard practice. I explained these fees were all caused by their company, not by me, but they won't budge. 

I am seeking reimbursement/credit of {$79.00} late fee, and {$50.00} in NSF fees XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Mortgage

Mr. Cooper d/b/a Nationstar Mortgage has systematically paid incorrect real estate tax amounts from my home mortgage escrow account for three years in a row. 

For the past two years they have failed to reduce my tax bill by the amount covered under the XXXX XXXX Tax credit and have overpaid my taxes. This is reflected in discrepancies from the amount deducted from my escrow account and the amount credited to my city tax account. 

This year they reported tax payment and deducted the amount from my escrow account, however my city tax office has no record of payment one month after the funds disappeared from my account. 

I have made attempts to contact Mr. Cooper about this abuse by phone and email multiple times over multiple years. No resolution has ever been reached. My emails get sent to a third party XXXX  account and are left unaddressed. 

This company has systematically abused my consumer protections and silenced my attempts to resolve their abuses by failing to communicate with me via phone and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.