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

I wired $XXXX USD to my Coinbase account.  Coinbase did not post the money and says they returned it.  It was never returned.  I have spoken with my bank at length and they have completed their investigation.  They say Coinbase took my money and never sent it back.  I have written to Coinbase 8 times, they only send automated responses.

-The full name on the account the wire was sent from:   (private)
-The amount of the wire:  $XXXX -The date the wire was sent:  XX/XX/XXXX
-The federal reference # or IMAD # for the wire:   XXXX

This is the original email from Coinbase:

From: Coinbase [mailto:no-XXXX]
Sent: Tuesday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX
Subject: Wire reversed


[Coinbase]





Hi XXXX,

You recently sent a wire to fund your Coinbase or XXXX account for $XXXX USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing.

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page.

If haven't received your funds after 7 business days, please email XXXX for assistance.

Respectfully,

The Coinbase Team
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Certified letter sent to Transunion on XX/XX/2023, regarding investigation of a 30-day late payment regarding : Account Name : XXXX Account Number : XXXX. 
2. Received results from Transunion that 30-days late was verified, but no proof of the verification/procedure process provided as requested in the dispute letter mailed to Transunion. 
3. Two other credit bureaus ( XXXX XXXX XXXX ) reporting the above account as PAID AS AGREED. 
4. Called Transunion Disputes to obtain proof of verification of the 30-day late and did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my rights and my consumer reports lately, and have come into quite a bit of knowledge I did not know prior. My issue is with account reported, as during the time the account was opened, I did not know the law or my rights as a consumer. This will be sent to the attorney general 's office as well. My complaint is with the following reported account : -JPMCB # XXXX Under Federal Law, violations occurred via 15 US Code 1601 due to the following reasons : -In XXXX of XXXX I made an uninformed credit decision with XXXX XXXX XXXX bank XXXX regarding this particular credit decision. 
- I now know, that at the time the notice of debt by agreement is now null and void due to the fact that I made a uniformed credit decision. 
- the law states that " adequate notice '' should be a printed notice stating facts " clearly and conspicuously '' where a person could notice and understand its meaning. That was never provided to me either.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Bank of America for violating my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. Specifically, I believe Bank of America has inaccurately reported late payments on my credit account, which has caused harm to my credit profile and financial reputation. 

Account Information : Credit Card XXXX XXXX XXXX XXXX Inaccurate Reporting : XXXX, XXXX, XXXX of XXXX Late payments are a violation of privacy according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I cosigned on my daughters call loan., He loan is financed with Ally Financial. She makes her monthly payments however she uses the 15 days grace period in order to stretch her money between pay checks. I am constantly harassed by calls from Ally financial throughout the day. We have told them repeatedly to only call if she falls 30 days late. I do n't want calls if she is in her 15 days grace period. They continue blowing up my phone day after day until the payment is made. Today XX/XX/XXXX I received 2 phone calls between XXXX XXXX and XXXX XXXX. I tried to tell the lady that called that she is using her 15 day grace perod. This woman talked over me time and time again until I got angry and told her she was making me mad as she talked over me. in the middle of me telling her to stop calling unless it was 30 days late she put me on hold Very rude and unprofessional. I can assure you my daughter will make her payments but I am tired of being harassed. They even call me on Sunday 's which I know is n't against the law but again I am tired of it. I think someone needs to look into how many times their dialer is calling customers as this seems like harassment to me.
Product: Debt collection

This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, VA via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/XXXX  in the amount of {$3100.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Virginia.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 XXXX XXXX dollars was with out my authorization charged to my debit card. Furthermore, XXXX dollars that I already had in my coinbase was also taken from me. 

Everyday since then I have reached out to coinbase through email, phone, and XXXX. They have done nothing to alleviate the situation or even given me acknowledgement.
Product: Debt collection

Midland Credit Management repeatedly called me before XXXX. Call me on Sundays and on holidays. Received 3 calls on XX/XX/XXXX. XXXX, XXXX and XXXX. Called me on Sunday XX/XX/XXXX at XXXX which violates FDCPA rules. Called me on Monday XX/XX/XXXX at XXXX which was a Federal holiday and violates FDCPA rules. I have told them to stop calling and they hang up on me. They call 1-3 times a day, everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Mortgage

I'm not sure, really, what the point of these complaints to the CFPB is. The company just responds and gives the same empty promises and then does nothing. How exactly am I being " protected '' as a " consumer '' here? I'm not. But I will file this complaint, because the company about which I am complaining is apparently lying to me and is doing nothing. This complaint is about XXXX XXXX dba Shellpoint Mortgage Servicing ( formerly XXXX XXXX XXXX ). I have been dealing with them since last XXXX ( 2018 ), or slightly before. My loan got transferred to them from a previous servicer. I had started a loan assumption process with the previous servicer, and once it transferred, I contacted XXXX XXXX to start the loan assumption process with them. 

They immediately sent me the information to do a loan assumption. I got all the information put together and sent it to them very quickly. That was 6 months ago. The loan assumption still has not happened. 

NewRez now claims that they do not have FHA qualified underwriters on staff to do a loan assumption. They told me this a couple of months ago, once I finally got a conversation with one of them. They said they were really close to getting people hired and being able to do these assumptions. They lied, obviously. They now will not even return my calls or emails. 

NewRez lies about loan assumptions. Why did they send me details on doing a loan assumption 6 months ago if they did not have the proper people on staff? 

Is it even legal to not have FHA qualified people on staff? They service lots of FHA loans, right? 

They clearly lied to me 6 months ago. They lied to me 2 months ago. They lied to me a month ago. They just lie. They lie because there is no recourse to them lying. If I lied to them, I would get in trouble. When they constantly lie to me, they do not get in trouble. 

I am stuck here, because I did not choose NewRez. I can not change the servicer of my loan. They are the most pathetic company I have ever dealt with, and I can't do anything about it. There should be some sort of government agency which oversees mortgage companies and helps consumers who have problems with these companies. 

I am submitting this complaint because this is a new complaint, based on NewRez 's lies to me about being " only a couple weeks away from being ready '' to do a loan assumption. This is not a rehash of my old complaints, this is a new complaint. 

I know that NewRez will respond to this complaint with the same nonsense they have used to respond in the past. They will post that information here, and the CFPB will do nothing about the fact that NewRez has consistently lied to me about this whole process. They will not return my calls or emails, and when they have talked to me in the past, everything they have told me has turned out to be a lie.
Product: Debt collection

The collection agency has damaged my credit by placing this collection on my account after buying this debt or receiving it by assignment. The law clearly states that XXXX ) There must be prior consent given directly to the debt collector and there was no prior consent of the consumer given directly to this debt collector or the express permission of a court of competent jurisdiction and XXXX ) if a consumer notifies a debt collector in writing that the consumer refuses to pay the debt collector the debt collector shall cease communication. The debt collector continues to communicate as The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in XX/XX/2020 I placed a call to XXXX inquiring about an education loan that was showing up on my credit report. I gave XXXX my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to XXXX the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. 

I heard back from XXXX on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school 16 years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with 16 years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that XXXX was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. 

On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure XXXX used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. 

On XX/XX/XXXX, XXXX sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. 

I need help. It seems like XXXX is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times XXXX said these loans were borrowed.
Product: Credit card or prepaid card

Last year XXXX early XXXX for the XXXX tax season ) I sat down to complete my tax return for my tax attorney to process. I found that USAA Federal Savings Bank had turned off my credit card paper statements which had been being delivered to my home here in FL. Angry, I called and complained to customer service, who stated they did not do this. Obviously, because I was angry, they did. 
Today, I sit down to compile my XXXX tax documents and find USAA has done the same thing. I only have half of my XXXX USAA VISA credit card statements, ending in XXXX of XXXX. Again, angry, I called USAA who tells me over the phone that they were " defaulted '' to online delivery without my consent. However, the same operator told me that I have to acknowledge consent to do this, which I've obviously not done. The operator was usless and I hung up only to call back and speak with a " conflict resolution team '' member/supervisor ( Supervisors rarely are provided upon your request when you ask for them. You are relegated to a XXXX member with similar capability as the operator ) After long periods of hold, XXXX, tells me that I initiated this change in XXXX of XXXX, which is not the case. I again, adamantly, requested that USAA stop turning off my credit card paper statements that are delivered to my home ... and again XXXX tells me I did this, which is not true. USAA either initiated this or their programming is set to save them millions of dollars in paper statement costs by subverting the users attempts to selectively choose what he or she would like delivered via mail or online. As a result of this happening for the second year with little to no concern from USAA that I don't have the proper documents in hand to complete my tax return analysis, I have turned on ALL paperwork from USAA to home paper delivery. 
USAA is turning off my statements, against my request, without my authorization, for the second year running. They leave me no option but to file an oversight complaint on their actions .... again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Dear TransUnion I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. TransUnions act of negligence is damaging my credit report. This account is clearly still not compliant with Metro 2. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures XXXX used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION REMOVE THIS ACCOUNT Two-Year Payment History : ( XXXX ) TRANSUNION IS REPORTING NO TWO-YEAR PAYMENT HISTORY. 
HOW IS TRANSUNION REPORTING DATES AND STATUS, BUT NOT REPORTING ANY TWO-YEAR PAYMENT HISTORY? 
TransUnion : No History Reported XXXX : XXXX is going against their own Glossary of account conditions & payment status : Payment Status : ( XXXX ) This XXXXXXXX XXXX  Account is acting as a Charge-Off Account & Collections Account Simultaneously. Payment Status is Charge-Off on Report, but XXXXXXXX XXXX is acting as XXXX XXXX XXXX XXXX attempting to collect a debt as a Collection Agency too. 

Date Opened : ( XXXX ) ( XXXX ) DIFFERENT DATES OPENED. HOW ARE THERE 2 DIFFERENT OPENING DATES REPORTING? 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : ( XXXX ) DIFFERENT CLOSED DATES TransUnion : XX/XX/XXXX XXXX : No Closed Date Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
HOW DID TRANSUNION VERIFY THIS ACCOUNT, AND DATE IS XX/XX/XXXX? 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Last Verified : ( XXXX ) HOW DID TRANSUNION VERIFY THIS ACCOUNT, BECAUSE THERE ARE MANY THINGS THAT ARE STILL INACCURATE TransUnion : XX/XX/XXXX XXXX : No Date Reporting Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I dont know whats going on with these reporting agencies, or if they have some fraudulent stuff going on. My score on all reporting agencies is changing all day every day. They send me results the accounts is being removed ; then they put it right back on the report the next day. My accounts are suppose to be frozen. My FICO score is informing me of the changes. I took a picture yesterday, then over night I got a message changes was made. At this point Im thinking its the reporting agencies. XXXX will not allow you to look at your report unless you pay. Ive updated my information with XXXX somehow the information changed, not allowing me access my account. XXXX XXXX has incorrect information as well. They claim they get their reporting from XXXX. These agencies will make sure they keep you in poverty ; even when the proof is provided. Ive asked them on numerous occasions to remove information thats not related to me. Ive updated my ID, SSN, and provided a bank statement to Experian as proof this information is incorrect. They rejected the information. These are government IDs and SS card. My information is exposed and everyone has an opportunity to create hardship for my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX  account # : XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # : XXXX, XXXX XXXX account # : XXXX, XXXX account # : XXXX, XXXX XXXX account # : XXXX, XXXX XXXX account # : XXXX, XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

You were advised by me on ( XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : BMW Financial Services Account Number XXXX. 
Late Payment Inaccuracy Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove it from my credit reporting information! 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 


Please take notice that this letter dated XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.