23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Chase XXXX XXXX XXXX XXXX doesn't show up in my Chase Account anymore under the login XXXX. It's just magically gone. 

I had XXXX points from a referral I did too. That's very convenient that the card does not show up anymore. If they terminated my account without cause then that's violating certain federal laws. I paid that card in full and built good history with it. 

In addition, I've been trying to get my card downgraded to the Chase XXXX XXXX XXXX card to avoid paying my annual fee for months and I've had no success. I want a refund of my annual fee that I paid last XXXX and a corresponding downgrade. Also I want to downgrade my Chase Sapphire XXXX card which I know is possible as well but none of your off-shore agents would work with me. 

1. Refund my annual fees on both those cards and downgrade me 2. Bring back my chase business ink preferred card back on my XXXX login as well as bring back my XXXX referral points 3. Downgrade the chase XXXX XXXX XXXX XXXX and please make sure I keep those points
Product: Prepaid card

XX/XX/year> initiated external deposit from XXXX XXXX XXXX. From serve Amex to XXXX Trial deposits sent supposedly XX/XX/year> Called XXXX  ( no trial deposits received ) Called serve serve said they dont do external transfers ( the reason I got the card is I was told I could ) ( Calls on recording ) Serve says the only way I can transfer is from serve to serve or pull out money from atm or use what is called XXXX XXXX ( all which cost a fee ) They lied so people would get their taxes on their card knowing it would cost a pretty XXXX to get them off the served card Their supervisor hung up every chance they got
Product: Consumer Loan

This issues pertains to a late payment incurred on my Auto Loan which was funded by Bank of America, for a XXXX Mercedes Benz C350 that I purchased in XX/XX/2013 at my local Mercedes-Benz dealership. At the time of purchase, the finance manager at the dealership told me they had not found a bank to finance my vehicle yet, but they would find one and have the bank mail me a statement telling me when and where to send the payment. 
I never received any statements such statements, but Bank of America called me on the XX/XX/XXXX, just as I was in between flights as I was traveling, they claimed they were the lender and claimed to have sent me statements that payments were due and that they were the lender for my car and I was late on the payment. At the time, I did not have access to my bank account information but called them within the next 2 days to make a payment. I later discovered that the dealership gave BOA an incorrect address for me, as they had me residing at XXXX XXXX XXXX instead of XXXX XXXX XXXX. Hence the XXXX statements did not reach me. I immediately corrected the address with Bank of America and promptly made payments for 2 months including the late fees totaling {$1400.00}. 
I have brought this issue up with Bank of America 's customer service department to remove the late payment from my credit report ; but BOA insists they did not make a mistake, they would not remove the late payment. On one hand they acknowledge that the dealership gave them the wrong address and that I never statements received the statements, but inexplicably BOA still claims that the late payment was my mistake. I had over {$20000.00} in my bank account during the period of the missed payment and had the statements been sent to the correct address a payment would have surely been made. I have attached copies of my bank statement to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXr You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX  You applied for an auto loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX
Product: Debt collection

I moved out of the XXXX XXXX XX/XX/XXXX. Everything was up to date, never late, gave 60 days notice. I stayed a few days over the lease but in accordance to my move out agreement. They said I would get a bill for the remaining balance. I never heard anything but got repeated hang up calls from XXXXXXXX XXXX starting 1st week of XXXX. Keep in mind, I moved our XX/XX/XXXX, nothing in arrears.

My sister sent mail forwarded to her house. The apartment complex had a mailing address but my final bill was sent to the old address. I finally got the billing my person around XX/XX/XXXX. This is not a month after move out. A few days ago, right after XXXX, my sister got repeated calls. She was listed as am emergency contact. They called several times a day, she finally answered. It was debt collectection IQD I understand if it had been months, but not even 30 days and they are already aggressive for {$170.00}. Calling relatives repeatedly, hang up calls for me. This is overt harassment. I was a good tenant. Will pay the bill, but was going to on payday. I don't feel I was irresponsible. I just got the bill, and will pay it Friday XX/XX/XXXX. They need to be reprimanded as per XXXX search, they do the often, aggressive and rude seem yo be the wording for many. I was not negligent! 
Thank you. Will attach the bill I finally received. 
XXXX XXXX
Product: Credit card or prepaid card

I lost my credit card when my wallet dropped and spilled it's contents in a very busy public place. I did not realize that my card was missing until I received a billing statement for merchandise that was fraudulently purchased with the missing card. I then reported the card missing and followed up with a confirmation letter. I complied with all the company 's requests except the filing of a police report as I was told by the detective that I was not the victim. They could only take a report from the credit card company or the individual merchants. The company now states that I still owe the money.
Product: Checking or savings account

Ally Financial secretly drained my entire account of XXXX dollars using monthly XXXX dollar fees on an account that I had back when I was with XXXX. This was an account I had using the money I earned working in my teenage years and I had kept money aside in case I wanted to invest. Ally Financial decides to drain my account without telling me, and I only discovered it when I finally received an email from Ally Financial that my account has been emptied on XX/XX/XXXX. This is highly unethical and predatory, and I want my money back. As much as I want to sell everything and move that money they stole to a safe account, they only offer XXXX dollars back when I try their customer service. XXXX says " I do want to reiterate that this is a self-directed account and these fees were disclosed to you upon account opening '' when I actually had the account with XXXX  before it was bought out by Ally and I had it before they even started this nonsense. If they will not give my my money back and let me exit everything via their chat service online, then it looks like I have to try other routes.
Product: Credit reporting or other personal consumer reports

In according to the FAIR Credit reporting act Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but how is that true if the last payment is inaccurate the high balance is inaccurate the date of delinquency is inaccurate and the last reported date is in accurate. My rights have been violated 15 U.S.C 1681 section 602 I have the right to privacy 15 U.S.C 1681 section 604 Any consumer reporting agency can not furnish my account without a written Consent 15 U.S.C 1681 Accuracy and fairness of credit reporting the emphasizes the need for consumer reporting agencies to ensure the accuracy, fairness, and privacy of consumer information
Product: Money transfer, virtual currency, or money service

At the end of XXXX I tried to log in to my Coinbase account which I have had for a couple of years. I was able to log in but when I attempted to make a transaction a message appeared saying " your account is being reviewed and you are unable to process transactions at this time ''. I contacted customer support and it appears that Coinbase had sent me an email requesting updated information and I did not respond. I'm not surprised I did not respond because I get phishing scheme emails weekly and many times they will use the Coinbase logo trying to get personal information. I went through their process and verified my identity and also sent them requested financial information. My account stayed locked and I contacted them again. Customer support said there was nothing they could do because my case had been turned over to their compliance team and they would need to be the ones to un-lock my account. I have XXXX case numbers for youXXXX and XXXX. The fist case number was my original case number and the second is my complaint case number. It has been weeks and I am still locked out of my account. I have emailed and called on multiple occasions and I only get automated responses. I have ask to speak to upper management and they refuse. I have asked for their legal council contact and I get no response. At one point I received and email stating my complaint was resolve and closed ( see attachment ). I understand now why XXXX trading companies need XXXX government regulation. On top of this ... during this " lock-out '' time someone has changed my password on more than XXXX occasion and I did not receive notification. I was able to re-set my password and re-verified my identity twice. My funds were fine but I was still locked out from making any transactions. I am concerned that someone inside of Coinbase may be trying to manipulate my account and I am unable to transfer my funds out of Coinbase. Coinbase support will not let me speak to anyone other than the support group and the support grout says they can not do anything because the compliance group has the hold on my account. They tell me that the compliance group does not speak to anyone over the phone. As far as I know Coinbase may be using my funds for other purposes and that is why they will not allow me access to transfer my funds. In the beginning I was going to just trade some funds but continue to keep them in my Coinbase account. At this point I want to transfer all of my funds out of Coinbase and be done with them. This type of un-professional and un-ethical way of doing business must stop in the XXXX and I will help you anyway I can to expose their actions. I plan to speak to my congressman after this is resolved to see if he wishes to use my story as testimony as to the way this company conducts business.
Product: Debt collection

I received a phone call, email and mail regarding this debt Sequium Asset Solutions LLC have contacted me about. Please consider this formal request for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 U.S.C. 1692g ( b ) and a formal cease and desist demand pursuant to 15 U.S.C. 1692c ( c ). Demand for Validation : According to 15 U.S.C. 1692g ( b ), I am requesting that you provide me with : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A copy of the original signed contract or other documents that substantiate the debt not an itemize bill either Proof that you are licensed in my state to legally or authorized to collect on this debt. 
A detailed accounting of the alleged debt, including any interest and fees. 
Until I receive this information, I will not recognize any debt you claim I owe. Furthermore, under 15 U.S.C. 1692g ( b ), you must cease all collection activities until you have provided the requested validation. 

Cease and Desist : Under 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communications with me regarding this alleged debt. This includes but is not limited to : Phone calls Letters Emails Any other form of communication Please be advised that failure to comply with this cease and desist demand will leave me no option but to report your actions to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for violating the FDCPA. 

Legal Rights : Under the FDCPA, you are required to validate the debt and cease all communications upon receiving this letter. Any further attempts to contact me regarding this alleged debt without providing the requested validation will be considered a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

AMEX took out of my checking account {$5900.00} when I signed up for autopay. The Authorized autopay amount was {$170.00} per month. AMEX ran the charge thru my checking account three times before it cleared by overdraft protection. I was charged by my bank {$99.00} for overdraft charges, and AMEX charged me {$28.00} per time they tried to collect this unauthorized amount.

AMEX blamed the error on their computer system. AMEX claims they can not control nor change their computer system when errors like these occur. Therefore, AMEX is highly susceptible to Cyber Security Fraud. AMEX can not control their own computer system per them ; not even on over-rides.

I want my {$5900.00} back. AMEX stole this amount from me and I did not authorize them to take this money out.

AMEX is not responding to my dispute online with them.
Product: Credit reporting or other personal consumer reports

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Hello, I am XXXX XXXX XXXX and was recovering from XXXX, so I was offered a forbearance plan, then a loan modification with Freedom Mortgage. The final documents were signed and sent via FedEx by me on XX/XX/XXXX. We proceeded to pay the mortgage under the terms of the agreement. 

Initially, I sent the first packet in XX/XX/XXXX. Freedom Mortgage immediately notified me there was an error made by the notary, she signed in the wrong spot. 

I completed new forms and had them notarized, and returned them via XXXX on XX/XX/XXXX. I sent them to Freedom Mortgage, but to their XXXX address vs. the XXXX office. I called regularly to see if it was received in the right office. XXXX tracking confirmed the overnight delivery in XXXX. I was told many things when calling Freedom Mortgage, but ultimately they told me the documents were received at the right location. 

I received a signed lender agreement dated XX/XX/XXXX. This agreement is several pages long, titled LOAN MODIFICATION AGREEMENT, signed and notarized by the Freedom Mortgage underwriter with confirmation the agreement was complete. We paid the mortgage since then under those terms. 

Seven months later, in XX/XX/XXXX, I received a letter and phone call from Freedom Mortgage letting me know they never received signed and notarized documents. They added they are no longer valid, my request for loss mitigation assistance is closed, and I must apply again. 

I have called them many times, each time with a different answer. I recently wrote them through their message center on XX/XX/XXXX and XX/XX/XXXX. They promised a response within three days, which has not been received. I called today and was told the person knew nothing about it, but once he looked into it, said even though Freedom Mortgage signed and notarized the documents they were too late for FHA. They only referred to the first packet sent in XX/XX/XXXX, which was corrected. Never mention of the XXXX submission, or their signed loan modification agreement dated XX/XX/XXXX. 

How can this be my fault? This is heartbreaking.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I wired {$100000.00} to Binance.US from my XXXX account. On XX/XX/2021 I realized the money had not been credited to my Binance.US account, so I initiated a ticket. The ticket is their method of gathering information on complaints and issues. The ticket number is # XXXX. 
I have contacted XXXX. They confirmed the money had left my account there. 
I contacted the receiving bank ( XXXX XXXX ). They could offer no assistance. 

Binance.US only responded once. That was on XX/XX/2021 ... the day of the initial complaint. They asked for the reference number of the transaction, which I provided. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan in XXXX 2013 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$6900.00}????
Product: Money transfer, virtual currency, or money service

I sent a XXXX deposit to Coinbase on XX/XX/XXXX, which was received by their bank on XX/XX/XXXX. For XXXX Euros. 

The deposit still has not been added to my online account with coinbase, nor has the money been returned to me. The deposit/transaction is still showing as pending on my coinbase account. Even though, my bank has confirmed that their bank has received the funds on XX/XX/XXXX. 

Coinbase support have only responded using templated emails and have not provided an explanation, timeframe or proposed resolution. Whats worse, they responded saying that all my transactions have gone through and that they ca n't see anything wrong in my account. 

Coinbase took my deposit on the XX/XX/XXXX and have held onto my money. And have not made it available for me to spend of withdraw, or given a reason for the delay. The deposit/transaction has been stuck as pending since XX/XX/XXXX, and coinbase have my money, but have not updated my balance for the last 3 weeks. 

I fear I will never see my money again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcy XXXX XXXX..which they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXX..it was sold to XXXX XXXX XXXX their sister company..it 's not with XXXX XXXX ... .nothing but stress and years of them taking advantage of me..