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

Date : XX/XX/2024 I need some urgent help regarding a recent transactions Here 's what happened : Case # 1. 
I used a XXXX to swap my XXXX for XXXX XXXX XXXX, expecting the tokens to be sent to my Coinbase wallet. However, after checking XXXX, it shows that my XXXX  was sent to a different wallet address, not my Coinbase wallet. 

Here are the details : - **Transaction Hash** : [ XXXX - **From Address** : [ XXXX My Wallet ] - **To Address** : [ XXXX the tokens were sent to ] I did not intend to send my XXXX to this address, and now I'm unable to access my XXXX XXXX XXXX. I was expecting the tokens to be credited to my Coinbase wallet directly. 

XXXX XXXX XXXX Case # 2 . 
I used a Base to swap my XXXX for XXXX tokens, expecting the tokens to be sent to my Coinbase wallet. However, after checking XXXX, it shows that my XXXX was sent to a different wallet address, not my Coinbase wallet. 

Here are the details : - **Transaction Hash** : [ XXXX - **From Address** : [ XXXX My Wallet Address ] - **To Address** : [ XXXX the tokens were sent to ] I did not intend to send my XXXX to this address, and now dissappear XXXX XXXX. I was expecting the tokens to be credited to my Coinbase wallet directly. 

Is there any way to reverse this transaction or recover my tokens? Any assistance or guidance would be greatly appreciated as I am quite stressed about this situation. 

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

Please remove all unauthorized hard inquiries from my credit report, as they harm my score and violate 15 USC 16c-2.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Dispute of Inaccurate Reporting on Auto Loan Account [ XXXX ] I am writing to formally dispute the inaccurate reporting on my Capital One auto loan account, which was paid in full and closed. Recently, I noticed that the account was reopened and is showing a balance of {$83.00}. Although I have paid off this balance, the account is still being reported as open. This is incorrect and needs to be addressed immediately. 

Additionally, there are several inaccuracies and inconsistencies in the payment history of this account : In XX/XX/2024, the account is reported as 30 days late by XXXX, but on-time by XXXX. 
The payment history shows no data for XX/XX/2024, which is inconsistent with the accounts active status at that time. 
The account is reported as 60 days late for XX/XX/2024, which is inaccurate because there is no data reporting leading up to 60 days late in XX/XX/2024. Reporting no data on an active account at the time is considered inaccurate reporting. 
These discrepancies are not only incorrect but also damaging to my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and complete. The inconsistencies in the payment history and the incorrect status of the account violate these requirements. 

I am not requesting a correction of these inaccuracies, as such corrections could potentially cause further damage to my credit report. Instead, I am requesting the complete removal of this account from my credit report due to the inaccurate and inconsistent reporting. 

Please be advised that I have also filed a complaint with the Attorney Generals office regarding this matter. 

Please conduct a thorough investigation and take the necessary steps to remove this account from my credit report. I have enclosed copies of my credit reports from XXXX and XXXX account reporting as close on XXXX but reporting as open on XXXX inconsistency-inaccurate i also did not receive any information on the title of the car being that it was paid in full
Product: Debt collection

Genesis is attempting to collect a FALSE claim. The collections person outright said " I know you can afford to pay ''. This is extortion. 
XXXX XXXX, an apartment building is attempting to extort me to pay a completely bogus amount. They hired Genesis to collect. The collections person outright said " I know you can afford to pay ''. 
The building had an onsite management office and everything was handled through them.
Product: Debt collection

I went to the emergency room XXXX XXXX XXXX XXXX XXXX in XXXX, NY on XXXX/XXXX/14. I keep getting notices and phone calls from a company called XXXX XXXX XXXX, XXXX telling me to pay a bill for {$400.00}. My explanation of benefits from XXXX XXXX shows member responsibility as {$0.00}. I sent the EOB to them XXXX and it has had not effect. They have now referred me to a collection agency called Professional Claims Bureau , Inc . I have attached all relevant documents. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX However, Theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. ( Account 's showing open and closed at the same time ) According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete account 's if it they are not reporting accurately. Also. 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. Lastly, these accounts arent in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. If your company doesnt honor my request to remove the above-mentioned alleged accounts, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit score through credit karma and my score seemed to be oddly low when I paid off my car note in full just recently and then I realized a car loan that I didnt establish like who even give you guys permission to report such things you should know its fraud all the inquiries on my file as well as the acceptance car loan is fraudulent as well My information may have been impacted by the XXXX XXXX XXXX and XXXX XXXX breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists 15 USC 1666 ( a ) A creditor may not treata payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE.
Product: Money transfer, virtual currency, or money service

I initiated a money transfer with WorldRemit on XX/XX/24, yet the transaction is still being held due to a WorldRemit technical issue. 
Despite repeated inquiries, nothing seems to be done to resolve the situation. I feel like my money is being held XXXX as they insist that the transaction is still in progress. When I contact them they say they can not give me a resolution date and that I should just wait until the problem is fixed. 
I requested that they please cancel the transaction but they fail to do so. The lack of communication and urgency is extremely frustrating.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. XXXX protects the confidentiality of student records. The breach violates the contract and renders it null and void.
Product: Mortgage

Shell point mortgage servicing was given our account from XXXX We have a problem with our escrow account Shell point has increased our monthly payment by {$120.00}. They told us they had to do this because our insurance and taxes have increased, but we called our insurance office and we were told our insurance actually went down by {$2.00} and looking over the taxes for XXXX the taxes were {$2800.00}. ( If paid late ) The taxes for the year XXXX, were {$2800.00} ( if paid late ) Shellpoint is  demanding a {$850.00} cushion plus and extra {$640.00}. even though our taxes are nearly the same and our insurance has gone down. They want {$640.00}. more and a cushion over the 12 months. When we call and ask questions, they become rude, will not go over the numbers with us and then just hang up. Over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I would say for the past seven months. there have been letters sent out to PORTFOLIO RECOVERY they can provide that those accounts are indeed mine. I will be attaching one of the letters to this complaint. I have not even ONCE received anything from that PORTFOLIO RECOVERY to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA requirements ''. Well I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY they are " MEETING FCRA REQUIREMENTS '' I asked for verification and I received nothing. If I am not mistaken If I am not supplied with the evidence after 30 days THOSE I ITEM WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Bank account or service

I recently received the attached letter stating I have an overdue ( first letter I have ever received ) rental fee on a safety deposit box. I do not have keys to that box and have been divorced from the other person for 13 ( XX/XX/XXXX ) years. I have quite a few issues with this. 

1 ) Who has been paying for this box for the past 13 years? It has not been me. 
2 ) I do not have a safety deposit box anywhere 3 ) Why am I getting a letter with a late fee if I never received a letter before? ( States it was due XX/XX/XXXX ) 4 ) I have nothing to do with what he has in that box nor do I care to know 5 ) The other owner has left the country from what I can tell via social media and I refuse to be saddled with anything associated with him, I do have tax documents ( along with divorce records ) and could get you his SS to help track him 6 ) I will send you my divorce records if needed or have my lawyer contact you 7 ) I 've been told that my current name and address were found because I again have an account with Chase 8 ) I was an employee until XX/XX/XXXX when I was laid off, at that time I changed banks and after a few years returned to Chase XX/XX/XXXX. 

My issues with the branch are : 1 ) Inconsistent answers from XXXX different people on XXXX different days 2 ) Did n't take down the name of the gentleman from Wednesday but he said if I came to the branch I could take my name off the card and be done with the issue 3 ) When I spoke to XXXX at the branch she told me it does n't work that way and I 'm still responsible 4 ) I was also told there were no branch managers available either time I called and no one has gotten back to me I refuse to have this reflect my credit as a bad debt of any type nor do I feel responsible as I know you will not be able to find the other person who probably threw the keys away. It got that way at the end of the relationship so I would n't put it past him. 

Please have someone contact me to get this issue resolved as soon as possible. 

I appreciate your assistance. 

Thank you. XXXX XXXX XXXX
Product: Student loan

I have called several times and told them there are missing payments in their system on my loan. They say every time that I call that it takes 120 days to reflect in their system. 
On XX/XX/XXXX I paid {$2000.00} no record of it in their system. I paid {$1100.00} on XX/XX/XXXX and no record in their system. On XX/XX/XXXX I paid XXXX and their system only shows {$220.00}. I paid XXXX on XX/XX/XXXX and it only shows {$280.00} paid.
Product: Debt collection

On XX/XX/2018 I came to an settlement agreement with Franklin Collection Svcs on a debt that they purchased from XXXX XXXX XXXX. I did not have a contract with Franklin Collection Svcs therefore they shouldn't have been able to report negatively to the credit bureaus. To settle this matter we came to a settlement amount of XXXX. When I asked them to have the negative remarks removed, they refused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, SUITE XXXX C/O XXXX XXXX XXXX 
XXXX, TX XXXX XXXX U.S.C. XXXX ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Checking or savings account

On XX/XX/XXXX I opened a savings account with Citizens Access, they were endorsed by XXXX as having a good rate. I Initiated funding from my checking account and my savings account. Citizens stated the transfers would occur in 2-3 business days, it took 6. They took it from checking, stated they could not take it from savings ( no reason why ) so I transferred it from savings to checking so it could be sent from there. 6 days later, I'm checking status, my access to the account is blocked stating I need to fund the account. I start making calls to XXXX, the only option provided. I called several times over several days, no answer while waiting repeatedly for 30-40 minutes at a time. Meanwhile I still can not access the account online, repeatedly blocked and being referred to XXXX number. I decide I don't want my money with them. on the XXXX I finally get a hold of manager XXXX who states he will submit a request to close the account and I can expect my funds to be returned by the end of following week, no later than XXXX. After speaking to him I realized my failure to recall the second transfer, thought they took it without authorization, may have caused confusion ) XX/XX/XXXX, the money was not returned to checking, I tried to transfer the funds myself and the action was blocked. XX/XX/XXXX I speak to a rep who stated a " hold '' was placed on the account the day after XXXX promised me account closure. No reason was given, she said I had to call the following morning and request to speak to the " back office '' to find out why. XX/XX/XXXX XXXX I called, spoke to XXXX who stated that person misinformed me, I could not speak to the account specialists at all, yes there was a hold, no, there is not a reason. She put in an action # XXXX whatever that's supposed to mean. XX/XX/XXXX I call to check status, XXXX tells me the funds would be cleared for release today, available by tomorrow XX/XX/XXXX. I went online after close of XXXX, initiated a transfer to occur XX/XX/XXXX, the transfer was blocked, I was instructed to call XXXX number. XX/XX/XXXX I call the XXXX number, spoke to floor supervisor XXXX who confirmed a hold remained on the account, could not tell my why, could not tell me who, could not tell me when I might expect a resolution. 
That brings me to you. They have {$54000.00} of my money, my entire life 's savings! I'm XXXX XXXX XXXX, I want my money back!! They don't deserve to have it. Meanwhile, they continue to block access to the account, I can not login unless I switch to a different server. I have had to resort to XXXX, XXXX and XXXX just to be able to look at it while not being allowed access in any manner whatsoever. What can be done? This is the equivalent of embezzlement!
Product: Credit reporting or other personal consumer reports

I requested for XXXX, XXXX and TransUnion to update my personal information, as of this date they have failed to do so.
Product: Money transfer, virtual currency, or money service

I have over {$400.00} of crypto currency with Robinhood and they will not allow me to sell and close out my account.
Product: Debt collection

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Legal Debt Recovery Department ) Creditor : Title Max Inc. 
Outstanding Balance : - {$2500.00} Docket Number # : - # XXXX If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX Subject : Final Notification from the Title Max Loan Recovery Department Title Max is a state licensed lender, which means we abide by all laws set forth by each state. This Legal Proceedings issued on your Docket Number # XXXX with Title Max Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Title Max has decided to mark this case as a flat refusal and press legal charges against you. 

Let us know what your intention is by today itself, so we can try to put this case on hold or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your doorstep. 

Do revert back ; if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding a legal charges against your name today. 
The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

This is also to inform you that the creditor has all the rights and authorities to inform the employer about what you have done in the past and what will be the results once the case in downloaded and executed. Submit your final intention between two days or we are not able to help you out this case more. 

Customer Notice : Title Loans should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling. 

If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX We have a settlement amount for you with easy weekly and one-time settlement amount options. 



1. If you can make one-time payment of {$1400.00} ( One-time case settlement ) we can close your case file with this amount only with the same day payment. 



2. If you are looking for weekly payment then you have to pay a total amount of {$2500.00} with payment arrangement and you can pay {$450.00} weekly till paid in full. 



Kindly let us know what type of payment arrangement you are looking for at : - mailto : XXXX Note : If you need to take care of this case outside of the courthouse or you need a payment arrangement plan option to hold this case outside of the court.submit your Intention about this case, you need to email us back immediately at : -mailto : XXXX Debt recovery Department Title Max Inc . 
Attorney XXXX XXXX