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

On XX/XX/XXXX, I was trying to use Coinbase exchange to cash out but I didn't convert my ( XXXX ) hex tokens to XXXX before sending it to Coinbase and they will not send it back. Valued on XX/XX/XXXX to be {$3600.00}. Hex is a XXXX token and I sent it to my eth wallet by accident. I read that other exchanges will help the customer get their money back, but Coinbase will not. I reached out to Coinbase and it is support Case # XXXX -titled " sent upsupported XXXX tokens to my ethwallet. '' Coinbase responded " youve transferred any unsupported crypto to your Coinbase account, then there is no way to recover these assets. However, if a previously unsupported XXXX asset becomes available on Coinbase, then itll automatically be credited to your Coinbase account ''.. 


I submitted another ticket Case # XXXX -titled " sent upsupported XXXX tokens to my eth wallet '' and they responded " unsupported cryptocurrency to Coinbase or sent cryptocurrency to a wallet that isnt specifically for that cryptocurrency, we may soon be able to recover your funds. 

We're developing a service to help recover some of these cryptocurrencies, which should roll out later this year. For information about this service, see our help article : https : //help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/unsupported-crypto-recovery Before sending crypto to Coinbase, be sure to check if it's supported by visiting our Supported Cryptocurrencies article XXXX XXXX XXXX XXXX  Thanks, Coinbase Support ''. 

This happens a lot. There is billions of dollar being accidently sent to eth wallets accidentally and the funds get stuck in limbo. Is coinbase reporting these funds.
Product: Checking or savings account

On XXXX XXXX another USAA Customer, XXXX XXXX, wrote a {$12000.00} legitimate check from her account to pay her XXXX company. On XXXX XXXX that money came out of my account. I do not and have never had checks from this savings account. 

I'm a military service member who just arrived in XXXX on an XXXX XXXX and that money was to be used today to secure housing at our new XXXX duty location and wasnt available. It's been over 24 hours since the error was highlighted and money the money has not been returned. USAA has admitted fault and called it some kind of " electronic malfunction ''. I am getting no resolution and am told I am due no compensation for their error. 

We had to spend our own money to expedite a transfer from a third party for wire transfer to pay our down payment and first month 's rent and secure our housing. We're lucky that we could do that. 90 % of other service members who trust this company would not be able to do this. This has greatly added undue stressed to me and my family during this already stressful move.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a letter from XXXX XXXXXXXX XXXX, which is a debt collector for a debt that was owed to XXXX XXXX XXXX XXXX This letter states that as of XX/XX/year> the balanced owed to XXXX XXXX XXXX was {$270.00}. It also states that I the consumer either paid or was credited {$250.00} to T-Mobile. When They totaled the amount of debt owed now they did not subtract the {$250.00} credited/paid amount from the original amount owed of {$270.00}. Instead they added the credit and the amount owed and is now incorrectly reporting that I owe {$520.00}. According to 15 U.S.C 1681 ( part of the Fair Credit Reporting Act, I the consumer can dispute information on my credit report if I believe it is inaccurate, and the consumer reporting agency must then investigate and correct the information if found to be incorrect. I am asking that this account with Sources Recievables Management either be deleted for reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

this account is marked as a charged off as a bad debt / profit and loss write off on my credit report between XX/XX/year> and XXXX XXXX i would like the remark removed. 
There is a debt collector attempting to collect a misrepresented debt. i also never gave permission to the original creditor to share my estate name information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt can not be transferred or it is fraud predatory solicitations malfeasance. 

I am not disputing the charge-off ; however, I would like to ensure I have all necessary information for my records and for proper accounting. 

Specifically, I request the following details : Date of Delinquency : The specific date when the account became delinquent. 
Date of Charge-Off : The exact date the charge-off was recorded.

Last Payment Date : The date of the last payment made on the account.

Accounting Information : Any documentation or details related to the accounting of this charge-off, as outlined in UCC 9. 
Additionally, I would appreciate any information relevant to preparing a XXXX form and any other forms relevant, as this will assist me in ensuring compliance with tax obligations. 
Also i need to know how much was charged off. 


Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. 

Please note that I am submitting this letter on my own behalf, not through a third party. I ask that you carefully review this matter, as I did not authorize these actions. These unauthorized entries represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which defines permissible purposes for consumer reports.

I have already contacted the relevant companies and discovered that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they should be classified as a result of a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that you conduct a thorough investigation into this matter and take appropriate action to resolve these discrepancies as soon as possible.
Product: Checking or savings account

Wells Fargo has been mailng mediation request forms for several months, I've filled out and returned a total of nine so far. Acknowledgement letters are sent, provided tracking numbers including XXXX, XXXX, XXXX is the most recent one dated XXXX When I initially called number on letter XXXX, I was told call will be disconnected, referred to prior mediation, tracking id XXXX, in which case, no payment received from that mediation.. When I called most recently, I was told all mediation efforts have been exhausted ... The call was regarding the last tracking number, XXXX As the CFPB can see, these mediation request forms are a mere run around, future forms will be refused.. I request the CFPB look into this behavior, fine Wells Fargo for opening unauthorized accounts in my name including account ending in XXXX, a checking account and most recently, a Jewelry account, XXXX XXXX XXXXXXXX.
Product: Checking or savings account

Waiting for XXXX approximately to be deposited to my checking account from my employer. Capital One has been telling us to give them time as of Wednesday XX/XX/year>. Today is XX/XX/year>XXXX  and still my paycheck isn't showing up as received. I've got bills needing to pay as well as gas to put in my car to work but no way to do this.
Product: Credit card or prepaid card

On XX/XX/XXXX {$2800.00} was fraudulently charged to our card XXXX XXXX XXXX XXXX On XX/XX/XXXX we noticed the fraudulent charges and reported them to Chase. 

Chase agreed to remove the charges and issued us a new card. 

In speaking with Chase, goods or services of these items were never received by the fraudulent purchase because we were able to notice the fraud before hand. 

In XX/XX/XXXX Chase reversed the {$2800.00} credit claiming 'we had received the goods and because of XXXX ' fraud protection it can be proved the charges belong to us '. 

We would like the fraudulent {$2800.00} removed from our card in accordance with Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove Fraudulent XXXX XXXX Account from my credit file immediately! I was contacted by XXXX XXXX and informed that I was a victim of the XXXX XXXX Data Breach which resulted in this fraudulent account being opened in my name. XXXX XXXX promised Free Credit Monitoring and Experian did ABSOLUTELY NOTHING despite being contacted by XXXX  XXXX regarding this matter.I WILL take legal action against Experian if they continue to evade FEDERAL CONSUMER LAWS for their own financial gain.
Product: Credit reporting

Experian is reporting parking tickets and refuses to remove them. It is now XXXX XXXX and they still refuse to remove them. Exp and the other CRAs are all signatories to a settlement with the DA of XXXX and have legally agreed not to list fines and so forth that are not the result of an official contract entered into by the account holder, specifically library and other city fines such as parking tickets. I have sent them information on this settlement with XXXX DA XXXX ( XXXX ). The settlement was to go into effect in stages and the stage where they were to remove parking tickets et al was to take place on XXXX XXXX 2016. Experian is now in violation of that legal settlement yet refuses to remove the items.
Product: Mortgage

I contacted Specialized Loan Servicing on XX/XX/year> at XXXX XXXX XXXX XXXX and asked to have my same exact autopay updated to a new account number ending in XXXX with no other changes. The agent repeatedly confirmed that my amounts would draw exactly as they had done so, whereby my payments had been pulling a month early. For example, on XX/XX/XXXX, my autopay pulled for my XXXX payment. However, Specialized Loan Servicing did not process this correctly. It is XX/XX/year> and they never pulled my XXXX autopay for XXXX. 

Specialized Loan Servicing has done this every single time I have made even the slightest changes to my autopay as chronicled in multiple other CFPB complaints.
Product: Debt collection

I had filed a complaint ( XXXX ) in regard to the interest they were charging me on 4 separate medical bills. The say statue XXXX allows for 5 % annum charge, which I still say shouldn't in regard to medical bills. However even if it was acceptable they are charging me over twice that amount for each bill! For example one bill is for {$870.00}, they are charging {$110.00} or almost TRIPLE. Five percent of {$870.00} is {$43.00}.
Product: Debt collection

The phone bill was put into my name through a change of liability. I cancelled service & had to pay a cancellation fee. In order to be considered for a job at a financial institution all of my debts had to be paid. I paid the cancellation fee with XXXX in XXXX & had it removed from my credit report. Recently in XXXX of XXXX the derogatory remark popped back up on my credit report from a new debt collection company attempting to collect on XXXX behalf.
Product: Student loan

Nelnet has disabled their phone line and shut down all comments on their social media. 

If you call Nelnet the automated phone tree has been replaced with a high pitched squeal. 

This is absolutely unacceptable.
Product: Prepaid card

I placed {$1000.00}. on my wife 's prepaid card a month or two ago. Almost immediately the money was stolen by fraudulent charges made in XXXX. Amex refunded a couple XXXX dollars after a month or so but refuses to refund the remaining fraudulent charges. The customer service reps in XXXX are poorly trained and completely useless and nobody at the amex company in XXXX will talk to us, call us back, take us seriously etc. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for documentation showing that I allowed them to report our personal engagements on my credit and they have yet to provide. This has deminished my standard of living. Ive even disputed these statements and only received information saying it was accurate from XXXX XXXX XXXX XXXX. This has also impacted my ability to provide for my children due to higher rates on living expenses such as car note, rent and any financing options. I am a XXXX veteran asking for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting yet another CFPB Complaint in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} I previously requested for you to investigate the way this account reports information since I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$8300.00} I previously requested that you check the Payment History and Status information on this account because it is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed items. Please forward me the name and addresses of persons contacted. XXXX ( XXXX ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX an account with First Progress was open this account is not mines. This company add derogatory marks on my credit report that is inaccurate. further doing my own research I found out on XXXX  that my credit score with down XXXX points cause of this inaccurate reporting. Also, I would there is No contract, or signature, or written communication between me and this company that states this deibt is mines. According to the FCRA ( First Progress ) have violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report
Product: Payday loan, title loan, or personal loan

I never applied for a loan. I kept receiving emails to this email address stating I was approved for a loan. I NEVER use this email address for IMPORTANT information. This is my junk email address. The email had my first name, however it was NOT my bank account info that the funds were sent to. I tried to stop this within minutes of receiving the email. I also called them to correct this error. I HAVE NOT APPLIED FOR THIS LOAN.
Product: Credit reporting or other personal consumer reports

While I was in college, there was a data breach at our admissions office. I was later informed that I have had my personal data used. I was informed to start pulling my credit report for issues. I waited for a while and noticed 2 accounts I did not apply for. I filed a incident report and submitted it to the credit bureaus and lenders. But still have not helped me resolve the issue. I need help to remove these items. Please see the following : XXXX XXXX XXXX balance : {$00.00} opened : XX/XX/2022 XXXX XXXX XXXX : {$110.00} oened : XX/XX/ XXXX XXXX
Product: Bank account or service

PNC Bank checking overdraft account. A problem arose in XXXX when XXXX XXXX continued to draft a monthly payment from my checking after I had cancelled service with them and temporarily stopped using this checking account at PNC while out of the country. When I returned I discovered the error, XXXX reimbursed me, and I asked PNC to waive the overdraft charges. They refused. Within three months they closed the account and charged off the balance. In XXXX I contacted PNC and asked if I could pay the balance, in exchange for their cooperation with my credit reporting, and they agreed to report the status as " paid in full '' if I paid them {$1000.00}. I paid them that amount on XXXX XXXX, XXXX. They continue to this day to report the status as " Collection/Charge Off ''. I continued after my payment to call them and correspond with them to ask them to comply with what they had agreed to do. In the course of that communication, I discovered that the actual amount they " charged off '' was {$410.00}, which would be the amount they reported as a loss ( charge off ) for their taxes. This is listed on my account, in their computers, and I was given this amount over the phone by two PNC employees. This would be due to the fact that they sold the debt to numerous collection agencies, which would be income. When I began discussions to pay the " charge off '' amount, PNC repeatedly told me the amount was {$1000.00}. I had received offers from several of the collection agencies to settle the debt in amounts in the $ XXXX {$500.00} range. I did not trust that offer, and so I contacted PNC directly. For XXXX, PNC will be reporting my {$1000.00} payment as income. When the {$660.00} in income from the sales to collectors is added in, PNC has made a handsome profit on this account. The current status of the account is " Paid in Full '' - but PNC refuses to report this status, as they agreed to do, and they have dealt in bad faith with this account from the beginning when they refused to waive the overdraft charges, they lied to me point blank when they told me that they would report the account as " paid in full '', they lied to me repeatedly about what the " charge off '' amount was, and they continue to operate in a vindictive bad faith manner, with the groundless claim that they are " obligated '' to continue to report the account as " collections / charge off '' I demand that PNC report the status of this account as " paid in full '' - as that is the current status, and it is what they agreed to do before I made full payment. 
An interesting final note, when I asked for paid in full reporting status " if '' I paid in full, I asked for their agreement in writing. They refused. They said 'trust us '' - It is illegal to lie to customers in a collection process
Product: Credit card

There Are Multiple Unauthorized Credit Inquires On My Credit Report I Submitted A Dispute, Police Report etc to the credit bureaus and requested removals And More Information have not herd responses.. I DID NOT AUTHORIZED NONE OF THESE INQUIRES I NEED THEM REMOVED IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

XXXX fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on XXXX XXXXXXXX XXXX behalf.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 USC 1681. Account name XXXX XXXX  # XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates according to USC 1681, ( e ) ( b ). and according to USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information. ( A ) in generalif, after any renvestigation under paragraph ( 1 ) of any any information disputed.
Product: Debt collection

Company Frost-Arnett XXXX, TN ( Debt Collector ) trying to collect {$6000.00}, XX/XX/XXXX ( A medical bill from XXXX ) to creditor XXXX XXXX XXXX, MI Early in XXXX, I tried to dispute with both XXXX and my health insurance ( XXXX XXXX ) company about this large bill. Apparently, they didn't bill my insurance. I tried calling them both ( several times at least 3-4 times each ) trying to resolve this issue. I was tossed back and forth and they never gave me a straight answer. I suspect this was some kind of financial scheme to coerce me to pay {$6000.00} instead of having my insurance take care of it. I had paid my health care deductible in full in XXXX and shouldn't have a bill that high.