23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

While I was in XXXX from XXXX, three fraudulent claims went through my checking account at Citibank. They were titled, " Bill Payment XXXX ADD MONEY '' for {$3900.00} on XX/XX/XXXX, {$6800.00} on XX/XX/XXXX, and {$9900.00} on XX/XX/XXXX. I first discovered this on XX/XX/XXXX, when I happened to be checking my mobile account and saw such a large amount withdrawn. I immediately called Citibank using my wifi calling ( I was on airplane mode during the whole trip ) and did not receive any two factor authentications or emails alerting me of such a large withdrawal. I told the representative this was not me and please be vigilant about my account. She assured me she would take care of it so when I saw another even larger amount that went through I was shocked that this was happening. I immediately called them on XX/XX/XXXX and told them this was not me and I changed my password right away. I was told this would be investigated and notified when there was a decision. On XX/XX/XXXX, I received a letter via mail that all claims were denied stating, " Our records show that you have consistently paid by means of Citibank 's Bill Payment Service and used an established device for the above vill payments, therefore you will need to contact our merchant directly for reimbursement if necessary. '' I have called paypal multiple times and they can't find any transactions for those amounts with my account info. Upon checking my account info I did see another number listed that I did not recognize and brought it to Citibank 's attention. There has been no mention of this during the investigation and I have just received another denial on XX/XX/XXXX after submitting a fax on XX/XX/XXXX appealing the first denial. I really need my {$20000.00} bank and feel a bit helpless at this point since they are not helping me at all and claim no responsibility with the money I entrusted them with. I have also filed a XXXX complaint on XX/XX/XXXX as recommended by my local police department. 

I need my {$20000.00} back from Citibank. They showed complete negligence for letting this happen three times, even after being alerted for the first two. Not only is the security subpar but also their lack of empathy as they just do not care about their customers. The incompetent investigation team should really restructure the way they handle investigations and should not merely accept what shows to be true on the surface. These are high level hackers that did this to me and I expected more answers and a deeper level of probing to get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a martinet for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the fraudulent accounts from my file! 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Fdcpa stated I have a right to a proper investigation. I need proper VALIDATION : NCB MANAGEMENT SERVICES # XXXX. 
I need the following validation : copy of the original contract with signature, full copy of payment history, name and address of original creditor, proof of the debt assignment. By law you have 30 days to respond this is validation any inaccurate information must be removed immediately. 
Best regards,
Product: Student loan

My name is XXXX XXXX and I applied for the PSLF Waiver this summer. 

In late XXXX I consolidated my XXXX loans to XXXX XXXX loans to be eligible for the waiver. 

I am inquiring with the CFPB because Mohela is attempting to wrongfully deny my application. 

I have worked for a qualifying employer, XXXX XXXX XXXX XXXX, for over 20 years ( XX/XX/XXXX to XX/XX/XXXX ) while making payments to the XXXX loans. 

I tried calling Mohela with my financial advisor however the line was busy and no customer service representative answered the call. 

Thank you. 

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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$630.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reporting from XXXX XXXX is not my acount. Account number XXXX
Product: Credit card or prepaid card

On or about  XXXX   XXXX ,   XXXX  , my credit card company lowered  XXXX   XXXX   XXXX   XXXX   XXXX  my available balance from {$4500.00} to {$2400.00}, which is approximately the amount owed. I have used my credit card, well within the terms of our agreement, and I have made my recent financial decisions based on my credit line. This decision came without notice, and has now demolished my credit ratios, and ruined m y credit score . I have asked the company to please advise me of any appeals process. Thus far they have refused to reconsider this decision on the face, or otherwise advise me of any appeals process. They are being extremely unhelpful.     I have a 100 % on time payment with this card, and with every other card, and with every other debt that I carry. I have a job, and I own a home, and  XXXX  cars. It 's not so much the money that I am concerned about, it 's that this malicious action has jeopardized my  credit score,  and therefore my financial well being and that of my family.
Product: Debt or credit management

I reached out to all three credit bureaus let them know that my information was exposed. I put dispute on everything that was exposed on my credit, including wrong addresses name, spelt wrong them reporting stuff on my credit without doing investigation I asked for all these things to be done and they updated the information with my updated address. However, the address they had on file did not match the address that I live at.
Product: Credit card or prepaid card

I am filing this complaint because Chase decreased my credit limit for no reason on both of my credit cards which in turn killed my credit score! I was carrying a balance of not more than 25 % percent of my credit limit on both my chase sapphire reserve card ending in XXXX, as well as my chase southwest card ending in XXXX. Chase lowered the limit on both of these cards to my balance, bringing my utilization to almost 100 % on both cards, lowering my credit score over XXXX points and hindering me from doing anything with my credit! Especially in times like these with the covid-19 situation I need my credit back the way it was in case I need it for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that dates back from 2021, that i didnt authorize. No one seems to want to help me.
Product: Credit reporting or other personal consumer reports

I filed a dispute with your organization last month XX/XX/year>, and while I explicitly identified the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account information was posted without my authorization, not to mention XXXX of them were paid in full, as a result of the informaton being on my credit report it has impacted my ability to find a place to live, all three credit bureau 's have violated my rights, and this is grounds for removal according to 15 USC 1681, section 602 A, which states, I have the right to privacy, and 15 USC 1681 - 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions so therefore they used my information imporperly.
Product: Money transfer, virtual currency, or money service

Coinbase is withholding my funds and not allowing me the ability to transfer them. Recently, it was brought to my attention that my account was being closed. I go to Coinbase.com and the page is a notice of closure and it instructs me to provide an external wallet to transfer my remaining XXXX, however, when I attempt to do so, it says I am denied permission. 

I have been on the chat with costumer service three times since XX/XX/XXXX. It takes hours being I am able to get ahold of anything. Trying to actually talk to something takes even longer. When I am able to chat with someone, I get contradicting information. Sometimes I am told to wait a couple of hours and others I am told to wait 72hrs. I have waiting more than 72hrs and I am still not able to transfer my remaining crypto to an external wallet.

I am running out of options. My last resort is to take legal action against Coinbase. I have {$34000.00} USD originally invested from XXXX. Because of the refusal to release my funds, I have lost profit and run the risk of losing my original investment. It seems like a simple request to allow me to transfer my crypto. Again, this was the instructions from Coinbase itself and yet I am not able too. 

Upon my own research, I have found that this is not only happening to me, but thousands of individuals dealing with the same situation and lack of cooperation from Coinbase. I honestly do not know what else to do. This is a time sensitive issue as well because of the volatility of crypto. This would not be an issue if Coinbase would just allow me to transfer my remaining crypto, as they instructed. Even though I have been in communication more than three times, I only have two case numbers ( # XXXX ) ( # XXXX ). One representative told me that the case numbers were not a thing and did not exist. I was only able to retrieve that information via my mobile application.
Product: Student loan

I started paying my parent plus loan in XX/XX/XXXX. I pay {$100.00} a month and never late.just sent another payment to be paid XX/XX/XXXX. I received a letter stating I was placed in a forbearance plan dated XX/XX/XXXX with my loan balances un changed loan 1 {$5200.00} dated XX/XX/XXXX and loan 2 {$240000.00} dated XX/XX/XXXX. When I called XX/XX/XXXX and explained that I did not ask to be on a forbearance plan and to correct my account so that my payments of {$100.00} are still going towards principal and interest she stated because my adult child re-enrolled in school which has nothing to do with me they automatically placed me in forbearance. I asked her to correct this and change my account back to how I was paying {$100.00} monthly to go to principal and interest because I have nothing to do with her going back to school or her loans. The young lady hung up on me. I went to website and sent a email and no contact or response from Aiddvantage as of today XX/XX/XXXX. I want them to go back and correct my account information and report correctly to the credit bureau showing I pay my payments on time every month. As of today my credit reort shows I am not making any payments on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows several student loans that do not belong to me. My original student loans have been transferred and paid off. Therefore, there should not be any outstanding student loans still reporting to my credit report.
Product: Checking or savings account

On XXXX XXXX I went to deposit {$6900.00} into the branch at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Utah. There were two other customers in front of me in the line. My wife accompanied me inside because we had dinner reservations. We were greeted by XXXX XXXX who told us she wanted us to use an electronic ATM-style machine. I declined. She insisted and bullied us into using the machine even after explaining we had a large number of bills to deposit. 

Halfway through the deposit, the machine malfunctioned. XXXX tried to back up the deposit, but instead, the funds were trapped and the transaction could not be processed. We watched as several other customers came and went. We missed our dinner reservation. The branch manager came over to assist. Both these employees assured me they would resolve it before XXXX XXXX. He said the wait had to happen because the machine servicing team would analyze the discrepancy. Approximately {$3100.00} could not be located. 

The problem is that I do have a temporary credit, but I am ostensibly being threatened that more money could be ripped out of my account on a whim if they can not settle the deposit machine. Their promise of a XXXX XXXX resolution was not upheld. I've tried calling for assistance, but all I hear is that no new notes have been added.
Product: Credit card

1. Bank of America Credit Card account was closed on XXXX20152. From XXXX/XXXX/2015 thru XXXX/XXXX/2015 BofA continued to allow XXXX charges to closed account. I did forget to change the XXXX payment. However, BofA was not supposed to allow ANY purchases as I was guaranteed by XXXX ( BofA representative ) on XXXX/XXXX/2015 when I closed the account that NO OTHER CHARGES would be allowed at all. 
3. Contacted XXXX on XXXX/XXXX/2015 to get the payoff amount - he stated it would be {$2600.00}. 
4. XXXX/XXXX/2015 A payment was made in the amount of {$2600.00} was drafted from my credit union. The online platform showed a lesser amount, however, I paid the amount stated in # XXXX. Again, after the account was paid in full on XXXX/XXXX/2015 - Bank of America allowed another charge from XXXX on XXXX/XXXX/2015.
Product: Student loan

When I graduated from school, Navient did n't tell me how many loans I had and subsequently when I paid some, I did n't pay others. Now I have a 90 day late on my credit report thanks to navient.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for not resolving a disputed collection account on my credit report. This account is linked to my former residence XXXX XXXX XXXX XXXX. This debt was incorrectly reported to collections. I have provided Experian with evidence of paid dues and requested proof of any outstanding debt from the collection agency, XXXX XXXX XXXX, but have not received any substantial response or proof. This incorrect reporting has adversely affected my credit score and caused significant distress. I request the CFPB 's assistance in removing this erroneous collection account from my credit report and obtaining a corrected report from Experian, along with written confirmation of the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- XXXX  , Equifax and XXXX XXXX .
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the items, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've always made sure payments on this account are made on time, ensuring they never become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

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 I DID NOT AUTHORIZE THESE
Product: Money transfer, virtual currency, or money service

Hi We made account on coinbase in XXXX They conducted an initial verification. We passed and purchased ethereum. 
Now when the crypto currencies gained value again. We tried to sell. But they put the account on hold for " Review '' Been 45 days. 
4 attempts to make contact using their given contact info.

Case # XXXX - I want to close my account XX/XX/XXXX, XXXX XXXX XXXX # XXXX - my account has been in verification stage for a month now!!! 
XX/XX/XXXX, XXXX XXXX  Case # XXXX - I want to close my account XX/XX/XXXX, XXXX XXXX Case # XXXX - My account has been in review status for 7+ days XX/XX/XXXX, XXXX XXXX As per their rules and regulations XXXX XXXX XXXX Section 8 They haven't responded in 15 days. 

Crypto currency being volatile We have lost a mass $ XXXX To date the company has not responded or made any contact.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Coinbase , Inc. regarding a missing transfer of funds that has not been returned to my account, despite multiple attempts to resolve the issue. 

On XX/XX/year>, I initiated a transfer of {$10000.00} from my Coinbase , Inc. account to my XXXX XXXX XXXX XXXX  checking account. However, the transfer was rejected and returned by XXXX XXXX XXXX XXXX  back to my Coinbase, Inc. account. 

As of XX/XX/year>, this amount is still not available in my Coinbase, Inc. account. I have made numerous attempts to contact Coinbase , Inc. for clarification and resolution, but my requests for information have been ignored. Coinbase, Inc. does not provide a way to speak with a real customer service agent, making it impossible to get assistance. XXXX XXXX XXXX XXXX  assures me that the funds have been returned to Coinbase and that they can take no further action. 

Coinbases lack of response and failure to make my funds available is unacceptable. I urge the CFPB to investigate this matter and ensure Coinbase complies with its obligations to return customer funds in a timely manner.
Product: Mortgage

Rocket mortgage did my refinance from an FHA into a conventional loan. However when they did the refi they failed to complete my insurance. I was with XXXX XXXX and because they were mailing to my physical address where I don't get mail because my town is very small we don't have mail delivery trucks. So with no phone call or an email they decided to cancel my insurance. In the scramble they wrote XXXX policies and I refunded them their money when I canceled XXXX of the policies and kept the other. Somehow my payment went from XXXX to XXXX. My original mortgage payment was {$560.00} I would not have agreed to that. I want the original payment of XXXX because it was their XXXX up not finalizing my insurance and telling them about the address issue because I can't get physical mail at this address it has to go to my XXXX XXXX XXXX Not to mention I have a email and a phone that no one bothered to use. So now my mortgage payment is so high it eats up my entire social security check. I'm very humble person and don't want anything other than what I'm owed and that is my insurance to be fulfilled the way it should have been and have my payment back at XXXX. And whatever they have to do to get there is all I'm asking for.