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

I initiated a transfer via XXXX XXXX for approximately {$12.00} XXXX ( less {$99.00} fee ) XXXX from XXXX XXXX to Coinbase on XX/XX/XXXX. 

No monies were received into my account despite XXXX stating the transaction was successful : XXXX USDT from your account to address : XXXX XXXX. 

That above address was provided by Coinbase. 

Transaction hash id : XXXX The transaction was successful, however upon talking to Coinbase XXXX, they tell me that I use the wrong network to transfer the money. I use the polygon network. Nowhere on their website does it say you can not use this! Now they are telling me that the funds are lost. I might be able to retrieve them for a fee, which I am refusing to pay. Multiple people on the Internet are complaining about the same thing. And Im not even sure if I go through the process if Ill get the money back and it is a lot of money. 

If Coinbase are going to stipulate that you can not use the polygon network to transfer XXXX from Coinbase to an address that they specify into your account at Coinbase, there should be an agreement between XXXX and Coinbase that you can not even select that network to transfer the money. This is an absolute scam and a lot of people are getting caught out. 

I would like my money returned to my account as soon as possible, please thank you.
Product: Mortgage

Shop Your Own Mortgage advertises and claims to be license in Texas and Nevada. I looked up the license number XXXX gave me over the phone because he said he was licensed, but it was just a generic number, it wasnt associated to him. I am pretty sure its a law to have a license for each state they conduct business in. I couldnt find anything for XXXX or even the sales manager XXXX being licensed here. And they were quoting me these crazy low rates. It just sounds fishy to me. I asked them to email me and they told me I needed to give them my ssn. Theyre not even licensed ...!!!
Product: Money transfer, virtual currency, or money service

Attempted to sign into coinbase account but locked out due to 2-factor identification. When attempting to verify identity the identification process required access to device that was damaged ( which was also causing me to be unable to 2-factor identify ). Emailed coinbase customer support but was not given a method to verify identity and log into account without the damaged device. Was unable to be fixed in one year - attempted to resubmit a new ticket via coinbase website however submissions always time out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted A dispute to both XXXX and transunion for removal of all five of the student loan accounts from XXXX XXXX  of education as all five loans have been discharged and I was advised all accounts would be removed from all three credit files. I submitted A copy of the letter to each credit bureau and XXXX refused to remove these five accounts. I have attached the letter with this complaint for review to insure these student loan accounts are successful removed from my credit file.
Product: Mortgage

I have a VA loan through XXXX  and they are extremely difficult to work with. I constantly have problems with communication between myself and the lender. Their customer support line is often rude, quite short, and not helpful. It also feels nearly impossible to get in touch with them. I've had issues with payments, which went unresolved after communicated with the company. I have never been notified of additional charges or anything with the account, so I'm unaware of them until I check my payment history and realize that I have a negative balance for XXXX of the charges ( ex. taxes on XX/XX/year>, insurance on XX/XX/year> & XX/XX/year>, escrow, XXXX unapplied payments on XX/XX/year> ). They make no attempt to reach out to me regarding anything -- anything at all -- apart from when my payments came back and they provided a pre-foreclosure letter. I've never received a call or an email from them. I've even selected push notifications for their app and have never received anything. It's incredibly frustrating and I hate working with this company.
Product: Credit card

The credit card company after charge off charge me more than what was owed.
Product: Student loan

I previously filed a complaint on Studentaid.gov, case number XXXX. 

I filed a borrower defense claim in XXXX of XXXX. This borrower defense claim was approved under XXXX v. XXXX. Loans, refunds, and credit reports were to be completed by XX/XX/XXXX. 

My loans were finally XXXX XX/XX/XXXX. I have been told several different things from Aidvantage regarding my refund. I was told I would be receiving 2 refunds -- one for {$64.00} and one for {$4700.00}. I received the check for {$64.00} a few weeks ago. I was originally told from Aidvantage that the check for {$4700.00} was sent to Dept of Treasury on XX/XX/XXXX. However, when I called Aidvantage back a few weeks later, I was told this check amount was never sent out and they didn't see that amount anywhere. I gave them a few days to 'research it ' and was then told via email that the amount of {$4700.00} was correct. When I called on XX/XX/XXXX, they told me they opened a 'case ' and I would have answers to why the check was never sent out by XX/XX/XXXX. I still have no answers and when I call, I am told they are still looking into it. It's now been almost 3 weeks for them to 'look into it ' with no correspondence whatsoever. I emailed Aidvantage on XX/XX/XXXX with no response. I have been waiting for this to be finalized for over 7 years now. I just want my final refund check so I can be done with this process.
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 violates the consumer financial protection act. 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 an inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Personal Information Correction To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Employer : RETIRED Phone Number : ( XXXX ) XXXX Social Security Number Last XXXX : XXXX
Product: Checking or savings account

I have a personal relationship premier account with wellsfargo. I also have my daughters ' accounts linked to my account. They said when opening the account that since I have an account with minimum balance requirement of XXXX, some fees etc., wiill not be charged for my account and my daughters ' accounts. 

For just getting a temporary check leaf so that she can give that to her employer for direct deposit information, they charged {$3.00}. When I asked that the fee be refunded, they said they can not waive that fee. 

To give a temporary check leaf the charge of {$3.00} is atrociously high. They did not properly inform my daughter about the fee and she was under the assumption that any fees will be waived because of the premier account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account for XXXX XXXX with XXXX XXXX XXXX. I have attached a copy of that settlement. I disputed this with all three bureaus and they did not remove the balance on the account. This is a violation of my rights under the Fair Credit Reporting Act. 

XXXX account number XXXX
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 
1. Account name : XXXX XXXX Account # XXXX XXXX. Account name : XXXX Account # XXXX XXXX. Account name : XXXX XXXX XXXX Account # XXXX These accounts have violated my rights. 

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 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 7 years. 

15. U.S.C 1681-2 ( A ) ( 1 ) states : A person shall not furnish any info relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with WSFSI believe I set up for XXXX to be paid automatically out of the account. I end up never using that account never find an account or anything so when it finally came down to it being on my credit I checked everything out and did my research and found out that they are charging me XXXX some odd dollars for a original XXXX fee for XXXX which they overdraft to {$38.00}. Then they overdrafted it 53 more times I believeAnd thats where they came up with the amount that I supposed to owe them. Once you open a account and dont find it for 14-30 days it is usually closed. They intentionally overdrafted me 50+ times Ive had accounts with a few banks and never seen anything like this happen. The account was never active So why would they just keep overdrafting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXXXXXX XXXX XXXXXXXX Credit Card, I had to file a bankruptcy and out of the XXXX XXXX reported to Equifax that I was Deceased. I have pulled other credit reports and XXXX is listed but only reported to Equifax that I was deceased. I contacted Equifax and that is how I found out. I did what Equifax asked and sent them information. I also sent the Information to XXXX. Each time I contact Equifax it ends up with me getting so upset -- first they said they received the paperwork and I believe they did as they started reporting my credit for a week or so. Then they were back to not reporting. So I called again and they said that XXXX had once again reported me deceased and they were reporting it monthly. I went round and round with Equifax and they keep me temp locked out of my account -- I filed a dispute like they told me but then can't get back in to check. Each time you call them you get a different person and they all say different things. I have talked with XXXX and they helped me out after I sent paperwork. I have messages in my XXXX account where they said they sent the info to Equifax in XXXX of 2021 and yet Equifax ( XXXX ) told me just yesterday they have not received anything from XXXX -- but then again he told me that I never sent them anything either -- but I did. He was of no help, would not even try to get me online to my account, it ended up badly with me cursing before I hung up. I called back today and got a woman, I could not understand her and she would not repeat her name. She said she would start a dispute for me over the phone after she got me signed back into my account. First of all she had the e mail wrong -- not sure how after they have sent me stuff forever but today magically it was wrong. When I corrected her she then said that she could not let me in the account as my e mail was registered to XXXX ( XXXX ) but I told her it is not, I had this e mail way before I was married to XXXX -- we even went online to double check that somehow he was not attached to it and he is not -- all info is in my name -- the account was made years ago. Then she went on to say that the Equifax account was also in XXXX 's name -- it is not. I made the account to deal with this issue. I keep getting the run around. I complained to the XXXX  and Equifax came on with the same ole same ole saying that I need to call them or to sign in online -- neither of those help and I have called multiple times only for them to say I have not called and I still can not get online. I just want Equifax to check this -- all the other credit agencies are reporting my credit correctly -- XXXX has reported to them and I do not see anyplace other then Equifax that it says I am deceased. I believe that Equifax got the information from me and XXXX but for whatever reason they are not fixing the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

didnt recognize these inquiries on my equifax report from car dealer when i didnt need a vehicle i tried resolving by call and dispute nothing happens they were several on XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  please help me solve these problems.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score.

Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each indvidual whom you verified and validated the above information with, so that I may follow up accordingly. 

Additionally, please send me an updated copy of my credit report after completing your investigation. 

Account Name : XXXX XXXX Account # : XXXX
Product: Debt collection

I lost my personal belongings with my social security information years ago and i notice while checking my credit report, XXXX notified me letting me know of a unusual activity on my credit report, while looking at it i notice this company Mid Land Funding on my report i disputed it with my credit bureau They did tell to contact them and they gave there phone number and i called them and they did not want to listen to me or try to understand my Identity theft Situation. AND THEY KEEP CALLING MY PHONE ON A REGULAR BASIS DISRESPECTING ME AND MY FAMILY. Please I need your help to get them off my credit report. this is the only negative thing i have on my report. And they are only showing up on my XXXX. Please!!
Product: Debt collection

I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital.
Product: Student loan

I requested relief during the Covid 19 Pandemic with American Education Services and was told that my loans did NOT qualify for relief.
Product: Mortgage

Just notifying you of bad business practices by several mortgage lenders. My wife and I recently bought our first new home in XXXX, and have now been subject to two transfers of our mortgage as of XXXX. On top of this we have received several notices in the mail of companies wrongfully claiming to be the new servicers of the loan due to what is presumably our mortgage lender publicly disclosing our mortgage details. The companies in question thus far have been XXXX XXXX XXXX for the information disclosure and Shellpoint Mortgage for buying our mortgage and reselling it within a month of purchasing it to a new undisclosed lender that I know nothing about. This is ridiculous that I need to setup yet another account with a new lender that may or may not be my lender in a month. I dont want to default on my mortgage but I dont know who to legitimately pay due to these shady and misleading practices that seem entirely unnecessary.
Product: Credit reporting or other personal consumer reports

Code title 15 sub-section 16.11 false and misleading information on my unlimited credit I am being denied credit on my unlimited credit
Product: Credit reporting or other personal consumer reports

New Information being submitted : FTC # XXXX I've been a victim of Identity theft and have reached out to the credit bureaus, however fraudulent information is still being reported. I've complied and filed a new FTC complaint. 
This has negatively impacted my score taking me from low XXXX to XXXX 's and I've been denied a home loan. 

The accounts in question are as follows : 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Good day. I reside in So XXXX and I have a civil court judgement for a defaulted credit card. This dates back to approx. XXXX. In XXXX the plaintiff attempted to levy my savings accnt at my credit union. I rec 'd guidance from the court 's self help clinic and submitted a claim of exemption stating my only income was from Social Security XXXX, VA benefits, and Gov't Pension, via direct deposit. The judge granted my exemption. I elected to have an additional credit union closer to home and had the VA benefits and Gov't Pension direct deposited there for convenience. Now, approx. 16 months later I receive a letter from the new credit union stating my entire accnt is frozen to satisfy a civil court judgement. I went down to them and explained my income in this accnt is protected from a civil judgement. I said there is no commingling of funds in my accounts. They stated they did not care and were going to follow the sheriff 's levy document. I stated they know where my income comes from as it is stated on the monthly statements. I stated, I believed they were violating Federal Law and state reg 's ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). I finalized my brief meeting by stating that because of their reluctance to follow the law I am currently suffering damages that the credit union may be responsible for. 
I have since filled out the proper doc 's ( Claim Of Exemption and Financial Statement ) and submitted to the sheriff 's levy office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all three bureaus. And I did the dispute process. They acknowledge that XXXX reported the debt was sold to another company and therefore XXXX DOES NOT OWN THE DEBT. The company that XXXX sold the debt to has been paid in full and agreed to remove any derogatory reporting. They gave me this in writing and I have proof of this info and payment. Despite all of this NONE of the 3 bureaus will remove this from my credit report as derogatory. XXXX says that they acknowledged they do not own the debt to the bureaus- but they are going to continue to report it - and all 3 bureaus acknowledge all of this ( and have my submission of proof as part of my dispute ) but REFUSE to remove XXXX. This is going on 3 years or more of me disputing this info and the credit bureaus refusing to remove it. ( Among several other things like student loans that were never late and the Federal government ceased payments for anyways ).
Product: Credit card

I made a purchase from XXXX  paid features. I turned off the auto-renewal feature, which should be outlawed in the first place. XXXX charged me {$590.00} via autorenewal anyway. I didn't try to contact them because their tech support was almost completely unresponsive so I decided not to waste my time trying to reach them. Instead I contested the charge with Bank of America. They denied the claim twice after many months. Their explanation was that I was using the software because I logged in the system. This makes XXXX sense because XXXX has many free features that also require logging in. I am logged in right now but not paying for any paid features. I can not understand how this response from Bank of America is fair or logical in any way. I have screen shots of the XXXX web site showing I turned off the autorenewal feature. This situation is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help