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

I attempted to send money from my Coinbase BCH account to my Coinbase USD wallet account. The money disappeared from the BCH account and never showed up in the USD wallet account. There support refuses to reply to my e-mails sent.
Product: Student loan

On XX/XX/XXXX I contacted XXXX about a letter I received as I have had a very difficult time repaying back my student loans. When I called my first option was that for 9 months I could pay around XXXX and then my payment jumps back up to {$570.00}. I then wanted to see about a pay off amount. I was quoted at about {$30000.00} due by XX/XX/XXXX. I would be given a 25 % discount on loans that were taken out illegally and also for loans that the interest is 5 times the principal. Principal should be around {$6000.00} each I have 2 loans or {$12000.00} total. In XX/XX/XXXX when I was repaying them I was promised I could use a credit card and pay any amount I wanted. I was going to pay off the loans then and be done but the lady that handled my case said that the csr never said that and I could only make the minimum with a credit card which was complete XXXX. What 's worse is XXXX is not very willing to work with me. I tried twice to get these loans discharged but XXXX was the one reviewing the discharge and denied it based on I had been unenrolled in school longer than 120 days and failing to ignore the special circumstances provision. Since XXXX XXXX was shut down due to illegal practices such as telling me these were federal and not Private loans and other things from other people.
Product: Credit reporting

what experian has done is illegal. They have updated my 6.9 yrs old closed account and converted a fully paid good account with notification of paid in time into a derogatory account as being late 120 days. The account in question is a secured account so no question of any money being due.XXXX has never demanded any money from me in 6 .9 yrs. 
Converting it from a good account to a bad account after 6.9 yrs on a closed account equivalent to reporting a late payment after 6.9 yrs. This is beyond the statute of limitations. Surprising enough they report payment received in XXXX and late in XXXX.Are credit reporting companies XXXX. 
Now i have to sue XXXX XXXX. by the time they respond my account will be deleted.
Product: Credit reporting or other personal consumer reports

I appreciate your attention to the removal of certain fraudulent entries from my file, stemming from an alleged identity theft. However, there remain unresolved items that require attention. Compliance with law 605b of the FCRA, as indicated in report # XXXX, necessitates certified mail to facilitate legal recourse. Failure to rectify the inaccuracies listed below, attributed to fraudulent activities, will prompt legal action through my attorney. It is my preference to resolve this matter without litigation ; thus, I urge adherence to the law. Please expunge the following fraudulent entries, opened without my authorization or knowledge : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should you assert the accuracy and verifiability of these entries, I request documentation bearing my signature, which I know does not exist. Absent such documentation, I formally demand immediate deletion of these accounts and associated inaccurate personal information from the credit file under my Social Security number. Please note, you have four business days to rectify any entries resulting from alleged fraudulent activities. I do not consent to E-OSCAR or any automated verification methods. Your prompt attention and response within the specified timeframe are appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies continue to report inaccurate information on my credit report. I notified them twice that they are illegally reporting inaccurate information on my credit report. Im attaching my letters with all the information necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE AN ERROR AND WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chase sent my credit card to the wrong address. They then lied and claimed it was the address on file. I reached out to their customer service department but they keep blowing me off. They claim that my card was sent to the address on file, but that 's just not true. They refuse to accept responsibility for mailing my card to a different address and potentially compromising my data. I suspect that this was Chase committing fraud and trying to act like XXXX. There is no way to get a straight answer from them as their customer service just sends template brush off e-mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XXXX XXXX. I asked them to investigate my account, and make corrections. Almost two months have passed, but I have yet to hear back from them.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The following inquiries were not authorized and should not be reporting.
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 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$7600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}
Product: Bank account or service

My dad passed away on XXXX/XXXX/2016. He had a checking account with Bank of America with a somewhat substantial balance. My dad was diagnosed with XXXX 2 years ago and decided that he would put my brother and myself as beneficiaries on the account. He did this with the understanding from the bank that upon his death my brother and I could go to the bank with identification and death certificate to get the funds. 
However, we did just that and Bank of America said they could not disburse the funds to us that everything had to go to their Estate Unit. The Estate Unit would review everything and if they felt everything was good they then disburse the funds. This could take up to 72 hours for them to review and then they would decide if they could disburse the funds. From a legal perspective the purpose if the POD/beneficiaries is so that you do n't have to wait to receive the funds. My dad set the account up this way so that we would have money to pay for the funeral. 
Bank of America thinks they can do whatever they want and make up any rules they want. No one should have to go through the nonsense we went through today to get the money that is legally theirs.
Product: Money transfer, virtual currency, or money service

Our customer send us a wire for XXXX euros from his bank to our wells fargo account, so we should have received {$57000.00} as per that days exchange rate which was@XXXX but wells fargo debited our account only with {$55000.00} with exchange rate@XXXX which is not correct. 

They are giving us all sorts of false explanation which we do not agree to and need our difference ASAP, this is illegal to deduct this much amount. 

I want an immediate action to be taken here and get my money ASAP
Product: Bank account or service

I have a Bank of America account. Recently during the last XXXX months I 've had to reorder a new bank card XXXX times. I have not received any of the last XXXX cards that were mailed to me. When I called b of a they said they see that someone has used my account in a different state. The b of a worker on phone was confused as to what 's going on with my account and while I was on hold I was disconnected. Then I was informed that I was kicked off of my online banking. I have no id a what is going on with my money and ca n't get any information on anything except I keep getting these overdraft postcards in the mail. I. Keep being informed of a bounced or cashed check that has nothing to do with me. XXXX keeps sending me bills that say payment was not made. XXXX also has turned my power off due to a pay, net that did not go through and should have. I had to come up with a large amount of money to turn my power back on. I continue to only get all these white cards of fees that I owe for things I did not do. I ca n't call b of a because I no longer have a bank card number, I am kicked off of online banking and I do n't know what 's going on. I 'm a widow with XXXX little kids. My son just had XXXX XXXX. I sell very little on XXXX to make a little extra money that 's is only reason I have my b of a account. I am robbed of my money and have been charged tons of fees everywhere because of b of a and they are the ones that informed me that someone has fraud in my account! I need help and b of a is taking my kids money!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as disputed incorrect personal information. 
Despite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from Equifax regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. 
XXXX failure to respond within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. 
I seek assurance that the disputed items on my credit report will be removed and that my personal information will be updated accurately.
Product: Checking or savings account

I received a letter/notification in the mail on XX/XX/XXXX from Chase Banking stating that they had received a check previously deposited into an account with my name on it and was returned due to the checks being altered/fictitious. They included a copy of the check in the letter. I personally do not have a Chase Banking account and immediately realized it was fraudulent and someone opened an account in my name without my permission. The amount on the check was for XXXX. I immediately went to the nearest Chase banking office and reported the fraud account. They put a hold on the account and reported the fraud to the department. Upon closer look, no money was taken out of my banking account and there were no additional withdraws or opened credit cards in my name. I then followed up and completed a police report in my area for the identify theft problem.
Product: Debt collection

Enhanced recovery company had reported a collection to all 3 credit bureaus in the amount of XXXX XXXX I had asked for verification of debt multiple times since account has been reported. It was removed in XXXX XXXX XXXX. Then added back on my credit reports as of XXXX of XXXX. Since then, i have disputed the debt for being inaccurate, asking for verifications. XX/XX/XXXX i had asked, through XXXX customer support, to provide documents to verify my debt and they refuse to do so.
Product: Vehicle loan or lease

I made payments to XXXX XXXX XXXX for over a year to which they never reported. I have contacted them this many times over the last two years. They said there was an issue with my name and that it was coming up twice. They initially asked for a copy of my drivers license and social security card which I provided. They then began asking for marriage certificates and divorce decrees but when asked which ones proceeded to instruct me to call the credit bureau as they could n't help me. I made my payments on time or early and sometimes made over payments.and want this to reflect on my credit as it caused me to have a higher APR on my new car loan.
Product: Student loan

Lender notified borrower that they are increasing the cost of our loan from $  XXXX  to  XXXX . They also required this increase to be effective the next payment thereby providing no advance warning that our monthly payment was increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and accounts on my credit are not mine
Product: Debt collection

I received a letter from Constar Financial Services claiming I owe {$18000.00}, offering settlement options. I think they have been calling according to my wife, whom as asked them to stop on numerous occasions
Product: Mortgage

My mother died several years ago. When she died her assets were left to XXXX children, but my brother and I were co-executors. Since both sisters and my brother live out of state they came in for probate and signed quit claim deeds on the double wide home that my mother had on a piece of my property. This is what we were told by probate had to be done. Copies of her death certificate, will, probate paperwork and the quit claims were sent to the mortgage company, Vanderbilt, in an attempt to get the paperwork on the home into our my name. My husband and I have been paying the mortgage for the past 2 + years. This year my sisters and brother contacted me and said they wanted their names off as beneficiaries of the home. I spoke with an attorney and was advised to contact the mortgage company and get the payoff figure. We obtained a loan for {$13000.00} to payoff the motgage. This was the approximate amount as per the most recent mortgage billing. I contacted Vanderbilt several times about getting the exact payoff amount and they kept telling me that they would have to send it through the mail since we reside in South Carolina I told them that was fine and have yet to receive anything but letter from them telling me that they have received my request and have forwarded it to the appropriate department. I have called several times as well as requested the info in letter and email form. The last email was sent on XX/XX/XXXX and I have since received TWO letters stating that they forwarded it to the appropriate department. Meanwhile I have paid off {$13000.00} and am waiting for the couple hundred dollar balance for payoff so we can be done with this mortgage company. Lord knows how long it will take to receive the title after the payoff. My entire family is now angry as they are worried that since their names are still on as beneficiaries they will be liable if anything were to happen to the home. We can not change over the title, have them sign bills of sale, etc. until I have the final payoff and make the one last payoff to the mortgage company and I can not get any information from them. I have the loan number, and have even tried to get the payoff on the telephone as they have that option but the mortgage company has put a stop on that loan number so I can't even do that. Meanwhile they are milking us for any small amount of interest on the final few hundred dollars in payment. I work in the real estate field and it only takes a few seconds to click on a computer and get a payoff figure. Please tell me what I need to do to get this mortgage company to give me the appropriate final balance so I can pay it and be done with them. Also, can you tell me how long they have once it is paid to send me the title? I have owned my own home for many years and NEVER have I dealt with such an uncooperative mortgage company.
Product: Checking or savings account

XX/XX/2022 Deposited amount : {$160.00} I called the company they said theyd go into an investigation about it but there atm didnt say it had any errors at all and there may not be anything they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS XXXX XXXX ACCT # XXXX IS APPEARING ON MY EQUIFAX CREDIT FILE AS A CHARGED OFF CLOSED ACCOUNT. I DID NOT OPEN THIS ACCOUNT. THIS IS A FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY PERMISSION. ATTACHED TO THIS COMPLAINT IS A VALID UNALTERED POLICE REPORT SHOWING I AM A VICTIM OF IDENTITY THEFT. YOU MAY CALL AND VERIFY THE VALIDITY OF THIS POLICE REPORT, AS IT HAS BEEN APPROVED BY THE POLICE DEPT!!
Product: Debt collection

I have repeatedly written the credit bureaus disputing this and they say that this is the information being provided to them. This company has never written me, just shows up on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 604 A section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, XXXX XXXX Dear TRANSUNION, I have recently reviewed my credit report and found unauthorized inquires. 

I contacted the below creditors and they have NO proof that I initiated such inquires, nor written authorization and have failed to provide any PERMISSIBLE PURPOSE. Since they dont have my authorization, written nor verbal I demand that you DELETE these unauthorized inquiries from my credit report IMMEDIATELY as there is no evidence of any authorization, nor any PERMISSIBLE PURPOSE. 

Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 USC 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I am the NATURAL LIVING PERSON and have submitted this request on my own so please dont try to stall my request. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I got a personal loan for {$1600.00}. On XX/XX/XXXX another for {$1200.00}.

On XX/XX/XXXX we refinanced and combined the 2 loans making it {$3000.00}. On XX/XX/XXXX the account was closed and I have not spoken with them since. Every other month including the most recent onXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX there are hard inquiries being done without permission. I have not spoken with this company since XX/XX/XXXX, yet they still make hard inquiries every other month or so.
Product: Debt collection

Was in communication with CFPB with case # XXXXI was under the impression that this debt was deemed satisfied because I never heard back from the creditor, Williams & Fudge. Last email with said institution led me to believe this was deemed satisfied since I never heard back and it was removed from my credit report. 

Come to know, that the original creditor rider university was given the account back without my knowledge either written or verbal and is threatening to report it again without payment which due to lack of communication by either party I thought was taken care of.
Product: Checking or savings account

On XX/XX/XXXX I attempted to access my USAA bank account, and was greeted with a message to contact USAA customer service. It took until I got to an Executive Relations Team before anyone could figure out why, someone had tried to access my account with an invalid password over the last few days. USAA chose not to notify me of this. On to their CEO Resolution Team, I was told the fraud department would look at it ... 2 days later I am still locked out of my account while the fraud department is allegedly doing there thing ... no one knows when or how I'll get back into my account. This happened in 2018, this is the 2nd time USAA has allowed this to happen. In 2018 they allowed someone to take over my entire bank account, they refused to help, they refused to give me any information to protect myself, my financial records, my job or my security clearance. I suspect it was an inside job at USAA - no way this happens to the same person twice. Only after 14  months of constantly calling and complaining did they eventually tell me what happened. The relationship with them has been damaged ever since. I want back in my account so I can pay off credit cards I have with them and close the remaining accounts I have. This bank prey 's on military members by claiming they are for us, however, it is quite the opposite.