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

On XX/XX/XXXX, I initiated a wire transfer from my Coinbase account to my bank account in the amount of {$17000.00}. I had successfully completed similar Coinbase wire transfers between these exact accounts previously. Coinbase removed the funds from my Coinbase account and provided the following message : " On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$17000.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$17000.00} will arrive in your bank account by XX/XX/XXXX. 

Withdrawal reference : XXXX '' It is XX/XX/XXXX and the funds have not arrived in my bank account. I contacted Coinbase support several times via email, and have not received a response. 

It seems likely that Coinbase has stolen my funds.
Product: Checking or savings account

For the past 2 weeks m & t bank has told my girlfriend she can't have her money or access her account. She has been to the branch several times. They always say they have to send email and wait for response. But evidently nobody cares and doesn't care that she's a hard working XXXX mother with XXXX kids and can't even feed their kids because M and T doesn't care. She tries day after day and M and T is just holding her money hostage. Just another bank that could care less about people and just keep the money and do whatever the XXXX they want with it. It's sad that the government lets banks do whatever they care about and never care about the person they deal with. Why are people still keeping their accounts at this bank. They don't even try to make an effort!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my credit card with comenity bank in 2018. Soon afterwards I noticed they had pulled a hard inquiry on me and soon after this I noticed they lowered my spending amount on the card. I never consented to the hard inquiry. I called XXXX  and followed the process by calling the company to resolve the issue. They denied they hand pulled a hard inquiry and did nothing to resolve the issue, however my credit report shows otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a credit account was opened in my name by someone other than myself at US Bancorp ( US Bank ). I caught it almost immediately and I contacted their fraud department. After a brief investigation, I received a letter from the company 's fraud department on XX/XX/2023 stating " The account in your name has been closed '' and " we have notified the consumer reporting agencies to remove the account from your consumer credit report ; however this process could take several weeks to be fully completed ''. 
On XX/XX/2023 I noticed that the Inquiry on my XXXX credit report was still there so I filed a dispute. XXXX sent me a report stating that " inquiries are a factual record of file access ''. I then contacted the fraud investigator at US Bancorp ( I have the case number and her contact info if needed ). She said that the case has been closed and that her records indicate that a request to remove the credit inquiry was already sent to XXXX and there is nothing else that she can do. 
I then filed a 2nd dispute with XXXX explaining the situation and sent them a copy of the letter I received from US Bancorp 's fraud department. This morning, XX/XX/XXXX, I received the same report from XXXX " inquiries are a factual record of file access ''. 
I called XXXX and they said that when you file a dispute online, it is sent to the creditor to confirm or deny. From what I understand, US Bancorp is confirming that the inquiry is legitimate- I am assuming it is a different department and they still have it in their system. XXXX told me that they wont do anything to help me remove the inquiry without supporting documentation. This is very frustrating since I already sent them the fraud letter. Their recommendation was to file a report here. I am not really sure where to go from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove late payment from Capital One XX/XX/XXXX and XX/XX/XXXX for credit card ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Product: Debt collection

I have previously filed XXXX complaints regarding this issue but XXXX XXXX has now referred the matter to a fourth collection agency. I nor my wife owe XXXX XXXX anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of hurricane Irma last year and during this time my payments on two cards fell behind and were charged off as bad debt. I contacted the company before the charge off was initiated to try and get an extension and they agreed to at the time. I noticed that the account was charged off anyway and this has company ruined my credit after I was told differently by phone.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX miles XXXX XXXX for {$36000.00} on the Tesla app under used cars on XX/XX/XXXX. 
Telsa uses deceptive business and sales practices and under false pretenses and potential fraud. Tesla advertises the car as a long range XXXX and the car is a short range with maximum miles of XXXX. It also led me to believe it would take my trade in of my previous car a XXXX XXXX XXXX from XXXX with a balance of {$20000.00} when they only accept trade ins that are completely paid off. 
Tesla advisors continuously provided me with misleading business information, they have not been transparent with the cars actual mileage and due to their misinformation, they continuously ran my credit with multiple banks for the wrong financing amount causing financing harm and resulting in a higher interest rate loan. 
I ask to speak with the manager in the showroom and she never came out after an hour of waiting, furthermore due to their misinformation regarding accepting car trade in, I ended up losing money for my trade in value of my car and paying additional taxes on the new purchase of my car. 
I now must spend several hundred dollars to have the car detail, this should not be the experience of such a higher model car, to receive a car that is dirty. 
The false advertisement of the long range has dire consequences as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I purchase a Tesla was to shave off the expense of over XXXX XXXX dollar a month in gas expenses, however now my usually XXXX XXXX XXXX XXXXXXXX XXXX will result in XXXX hours with multiple charging stops and cost associated with supercharging stations.
Product: Debt collection

I have been attempting to get this account taken care of with Portfolio Recovery. I have requested debt validation on numerous occasions and all I have received is the same one statement over and over again. But they have never sent me the information I requested. Please see below : Please provide me with the following information : 1. Full accounting for this account 2. Copy of assignment of purchase from the original creditor. 
3. Every charge and what was purchased from the creditor.

4. How you calculated what you claim I owe.

5. Full chain of assignments from charge off to present.

6. Proof that you own the debt with full and clear title. 7. P roof that you were on the original contract I have requested this information on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Today I sent a demand letter for this account to be removed since they have continuously failed to validate the debt.
Product: Mortgage

I am trying to pay off an existing XXXX loan but I have no documentation or paperwork of what company took over the loan. I never recieved an account number yet the XXXX County tax collector will not respond who holds the load so i can get a payoff amount. This is not a fair lending practice as I was advised upon taking the financing that there was no pre-payment penalty but now I can not get that information. the old website goes to the company XXXX who I have not received any correspondence back from either.
Product: Credit reporting

I logged in to check my transunion credit report on XXXX XXXX and all of my inquiries were deleted, upon checking my credit report again on XXXX XXXX i see the inquiries have been added back to my report without my knowledge and has caused my score to drop.
Product: Credit card or prepaid card

On XX/XX/2018, I contacted CXXXX XXXX, representing XXXX Florida Credit Card servicing, because I have been receiving emails about an account I never opened. An option for " No longer receive these emails '' or " This is the wrong email '' was nowhere in the email. I was concerned that either ( A ) my identity had been stolen, ( B ) this was a phishing scheme, or ( C ) a person with my name had accidentally typed in the wrong email address. 

After being transferred, I spoke to a person who said they could help. The first thing they asked for was my social security number. They then gave me the option of giving them the email. 

After I gave them the email and they flagged it, I let them know that asking for my social security number was something no bank would do, and that their system had a problem. They insisted their system was fine. I explained that if their system was fine, emails would have a confirmation process, then I'd never have received these emails in the first place. 

The person said I knew it was a bank, so I should be comfortable giving them my SSN. I explained that I had no idea it was a bank, it was simply a phone number in what could be a SPAM email. I'd never heard of the bank, and every piece of correspondence had a different physical address and company name. 

The phone number I called was XXXX. I had to sit on hold for about five minutes and deal with two customer service representatives because someone typed in the wrong email. The entire interaction left me frustrated and suspicious, and I would like someone to examine their operation.
Product: Vehicle loan or lease

on XX/XX/XXXX 2024, I reached out to XXXX XXXX XXXX on behalf of a Consumer Credit Transaction and establishing a line of credit via XXXX XXXX  15 USC 1605. I was directed to Carvana where I picked out a XXXX XXXX XXXX. I was hindered in the midst of the transaction because the system required a copy of a Driver 's License in which I do not own or possess due to the fact that I am not a U.S. Citizen which is described as a Federal Corporation via 28 USC 3002 ( 15 ) ( a ). I am a Private XXXX XXXX who identifies as a Tennessean, and I am not engaged in commerce hence why I don't need a driver 's license to " travel ''. I am XXXX or older, a competent individual, However I been discriminated against and treated as a minor without the legal capacity to enter into contracts and engage in credit transactions via 15 USC 1691 ( a ) ( 1 ) / 12 CFR 1002.2 ( z ), as well as my National Origin due to the fact I was told by Carvana 's agents that the U.S. Passport is accepted in other States but not Tennessee. According to 12 CFR 1002.2 ( aa ) the term " State '' means any District of Columbia, the XXXX of XXXX XXXX, or any territory or possession of the United States so a U.S. Passport is accepted in all states as a form of identification. Carvana did not have anything on their website saying the passport cant be used prior to me providing them my personal information including my Principals security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On or about XX/XX/XXXX, I inadvertently made an incorrect payment amount to XXXX. I contacted XXXX and was ultimately informed for me to file a dispute with Capital One. I did so and since then the credit in the amount of {$5000.00} with XXXX has been reversed. On XX/XX/XXXX, I was contacted by Capital one ( online portal ) that I would be re-billed for the full amount of {$5000.00}. At this point the {$5000.00} that I am being charged for is unaccounted for. Additionally, I also being charged for multiple items that have been returned to XXXX ( tracking already provided to XXXX XXXX Capital One ) and Capital One is refusing to continue with dispute ( XXXX ). I have previously filed a complaint with the XXXX in hopes to get a resolution, contacted customer service, contacted disputes department, contacted fraud department ( XXXX XX/XX/XXXX ), and I have also contacted the corporate office multiple times with no resolution ( XXXX ). A copy of this report ( CFPB ) will be forwarded to Capital One dispute department on XXXX XXXX XXXX  This type of activity is to be considered fraudulent because money and merchandise once again in not accounted for.
Product: Checking or savings account

I had a check deposit of XXXX from my personal account. Wells Fargo held the check for one week three days, My balance dropped to XXXX and they charged me an overdraft fee even after calling up my bank and verifying the check. They held the amount of XXXX and then charging me an overdraft fee. I had to call them and ask them for the overdraft fee back, they agreed to give it back but did not give it back and gave back only XXXX. the fee they charged was {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX XXXX Mortgage gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to XXXXXXXX XXXX  and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. XXXXXXXX XXXX then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}. 

XXXX XXXX started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to XXXX XXXX 

The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to XXXXXXXX XXXX  about this severally, but they have done nothing. 

Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.
Product: Debt collection

My husband and I are trying to purchase a home through he VA program. I noticed a collection from a company called AD Astra on my credit report. To my knowledge, I am not familiar with the amount they are saying we owe and what it could be from and when. We watch are mail closely and do not recall receiving anything from this company stating what this is about. We did some research and decided to dispute the account and request validation. We disputed this in XXXX and re-disputed in XXXX. We have yet to receive any correspondence back from them. This is really frustrating and concerning and next year we plan to purchase a home and need to make sure the credit is in top form. I decided to file a complaint as a last resort since sending them a formal validation letter in affidavit format obviously is not working.
Product: Credit card or prepaid card

I am an American citizen on unemployment as a direct result of covid. Unemployment monies were went through Bank of America in an account only accessible through ATM. All was fine until I reported fraud on my card. The criminals somehow got my card information and withdrew XXXX dollars in three different locations. I told the customer service/fraud department department I could show where I was when my card started being used through my XXXX maps, also my card was used in 2 different places about 3 hours apart on same day, mine being used in stores to make purchases, the other to withdraw XXXX dollars. Impossible, and told them to look at the cameras, as those 3 charges were not mine, see who it was as it was not me. I have called several times, the bank, unemployment, both sides blame the other, In the meantime, the money I had left in my account is said in a letter not being paid back to me and my account is closed. I received a new card, that is unusable and it seems an account that is supposed to be covered by FDIC insurance is being pocketed by the bank, and not paid to me. Why as a consumer am I having to go through this. This is my ONLY income, and now I am not able to pay my rent, This is a hardship, fo me and my family. I have seen I am not the only customer who was forced to receive their money this way, and not the only person who is hurting financially because of unfair practices! 
On XX/XX/XXXX my account had XXXX dollars withdrawn, and on XX/XX/XXXX, and XX/XX/XXXX my account had 2 withdraws of XXXX dollars each. in 3 different XXXX XXXX  locations.The only result to my action of reporting the theft was to be told, to talk to unemployment and the police. I did both, but it seems no matter what I did on my side to try to work with Bank of America was to get closed out of my own money. In a final attempt to get this fixed I was hung up on by Bank of America employee.
Product: Credit card

Dear Consumer Financial Protection Bureau : You will understand what actually transpired between me and Target after reading the XXXX XXXX, 2015 letter attached for you to read here. I do not have any card belonging to Target as a credit card. I did not apply for any credit card from Target at any time and I will not allow this scam against me to work for Target and its employees. They have already proceeded to adversely report me to the XXXX credit bureaus. You will also see attached letter dated XXXX XXXX, 2015 I wrote them to remove their adverse report against me in XXXX days or I might have no choice than to file a lawsuit against them. I have decided to lodge my complaint through you. If I could not resolve this matter via your humble office, Target will regret ever messing with me.
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late 80 's, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny XXXX  mortgages and single moms and they are all connected to practising blockbusting and proits from XXXX  to charge higher interests if anyone gets that far
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act US DEPT ED  - XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to remove the fraud alert from my credit reports.
Product: Prepaid card

Purchased and activated a vanilla visa gift card at XXXX. The card numbers are not matching the online activation site ( XXXX digits printed vs. XXXX digits required ) The company has no customer service options or means to contact a human. The card was properly activated. It is not usable online or at a retail store.
Product: Debt collection

Commenity Bank called me a couple days ago, they told me that they were su eing me for theft of services, and that they could seize my XXXX, I tried to tell them that they ca n't touch it, but the guy kept insisting that they can.
Product: Money transfer, virtual currency, or money service

Have an account at coinbase, after loosing my XXXX-app i have no possibility to get access to my account/money. Resetting the XXXX is offered but it does n't work ( service does not work ) and i 'm still trying it daily but no success. support does n't react, seems like a fraud..