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

I have an account at Coinbase and on XX/XX/XXXX I changed my password and I received a notification from Coinbase to that effect but on the XXXX I received another email saying that my password was changed so I called but it was taking a long time to get to talk to someone but the automated voice asked if I tried to get in the account and I tried but was not able to using the new password and the automated system asked if I locked the account so I did. When I was able to get someone on the phone I was told that I would need a valid ID and since my driver 's license was expired in XXXX I renewed it on the XXXX of XXXX and they said that they would not accept the temporary copy so I waited until I got the actual license then I called them and we tried many options trying to get in the account and after they all failed the person suggested that I open a new account and they would transfer my balance from the old account to the new account. When they transferred the balance I noticed that my XXXX XXXX or XXXX Average price was changed from {$0.00} to {$0.00} and my Alchemy or ACH was changed from {$0.00} to {$0.00} and on my app there's no Average price listed they all say {$0.00}. I have tried way too many times to try since late XXXX on the telephone and online and I have not been able to get any help and I have sent them a screenshot of the XXXX XXXX with the exact amount showing that it was at {$0.00} on XX/XX/XXXX days before the problem 's started and they act like that's not enough or they're asking for more information. I also submitted two screenshots for the Alchemy or ACH because I bought some on the XXXX of XXXX to move from {$100.00} XXXX to {$120.00} XXXX and since it was a smaller amount the Average price didn't change that much and since I only have XXXX coins in my account I know what their prices are and I saw it after I bought the roughly {$24000.00} and the Average price was {$0.00}. I would appreciate any help in fixing the mistake. Thank you in advance.
Product: Checking or savings account

to whom it may concern good morning, I hope you can help me my name is XXXX XXXX I am very angry and sad about a situation with my bank wells fargo this would be the second report that I make through you the first report with number XXXX, what happened It is that they misused my account with my debit card, charges were made that I did not authorize and the bank deposited one of the claims and the other told me that I authorized them and that is false because they are the same expenses, the same claim There were two reports, one of several purchases that add up to {$3300.00} with XXXX XXXX, this one was already reimbursed to me and the other claim that was for the same situation for the amount of {$3800.00} with XXXX XXXX, they do not want to reimburse me and I do not understand why a claim does and the other does not, I would like to know why they are ensuring that I make or authorize said purchases, that is false, I never signed or gave any authorization, they are only recovering {$3300.00} when the total is {$7200.00} There is a shortfall in my account of {$3800.00}, as I mentioned, I am very upset because I need my money, it is all my savings, and because I feel that they are defaming me badly, I have read a bit on the internet and from what I understand they are responsible for charges not recognized or not authorized by the zero liability protection, I hope that through you the bank resolves me soon, I would not like to resort to other legal instances, I would also like to know why they determine and close a case without conducting an investigation, I thank you Your help I hope you have an excellent day sincerely XXXX XXXX XXXX
Product: Mortgage

In applying for a Home Equity Loan, my bank found a lien on my home from the year 1998. Attached is proof of pay off to companies no longer in existence, but acquired by other companies. XXXX XXXX as shown in attachments was paid {$71000.00} on XXXX. That lien was never released ; security deed is at court house in XXXX XXXX, XXXX, Georgia. XXXX XXXX XXXX and PNC acquired loans from XXXX XXXX and XXXX has investigated and has sent me a letter and per a phone call, that PNC has second part of portfolio from XXXX XXXX, Quote from their letter " We encourage you reach out to PNC who acquired the second batch of loans from XXXX XXXX as my loan was not part of the ones they acquired in first batch. Attached documents should show my stated information. XXXX XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX Balance {$15000.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$360.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$310.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$4000.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$280.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused
Product: Credit reporting or other personal consumer reports

Delete hard inquiries XXXX XXXX : XXXX XX/XX/scrub>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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is incorrect on my credit report XXXXXXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX XXXX XXXX XXXX even had the right person or the proper account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is wrongfully reporting late payments on my closed XXXXXXXX XXXX account. I know for a fact that I made all of my payments on time, and I have documentation to prove it. 

I contacted XXXXXXXX XXXX to dispute these late payments. They investigated the matter and acknowledged that the errors were made on their end. They have since corrected the errors on their records, but Experian is still reporting the late payments on my credit report. 

I am very concerned about this. These late payments are wrongfully affecting my credit score and making it more difficult for me to get approved for loans and other forms of credit. I am also experiencing stress and XXXX due to this situation. 

I am requesting that Experian immediately remove the late payments from my credit report. I have attached copies of the documentation that I have received from XXXXXXXX XXXX that proves that these payments were made on time. 

I am confident that this is a clear-cut case of error. I have been a responsible borrower for many years, and I have never had any late payments on any of my accounts. I am requesting that Experian take immediate action to correct this matter.
Product: Checking or savings account

On XX/XX/XXXX I informed Chase Bank of my dad 's passing. I provided an original copy of his death certificate and the trust document ( which is XXXX pages ). They ran a copy of the trust document and said before I could open an estate account the corporate office needed to review the trust and death cert. I had a follow up meeting set for the XXXX. I get a phone call saying the copy they ran wasn't readable and that I needed to send another copy in. XXXX now gets moved to the XXXX. We set up the trust checking account and they transfer the small amount from the checking into the new checking account but tell me that the corporate office again needs to review the trust document, the funds should be released by Friday. No funds are transferred and I again call and now am told that a more thorough review is required on this XXXX page document of which XXXX pages pertain to my responsibilities and have nothing to do with the establishment of the trust. Each time I call I'm told the review isn't complete, I ask to speak to a supervisor who tells me that it takes XXXX business days to review this. So in essence it takes them a day to review about XXXX words since the document is only about XXXX words. The reality is that they have used my dad 's funds to fund a XXXX scheme where they use the funds to extend credit at XXXX XXXX  % and charge interest for over 20 days at about XXXX a day while claiming this review takes as long as it does. The entire document could be read and understood within an hour so what I'm being told is a complete lie.
Product: Mortgage

BankUnited wrongly reported a delinquent payment to the credit agencies. The bank created an escrow balance based on them having lost the condo flood insurance policy the management office faxed to them. The bank then wrote me a check in the amount of my XX/XX/2016 payment stating the bank would not accept payment that was short of the full escrow amount ( even though the bank incorrectly charged me escrow due to losing flood insurance policy ). The bank pretended as if I never made my XX/XX/XXXX payment which was clearly wrong. I then emailed the condo flood insurance policy to the bank on XX/XX/XXXX, and as of Friday, XX/XX/XXXX, they still have not cleaned up my account ( after receiving the bank check equal to my XX/XX/XXXX payment, I turned around and wrote XXXX checks - XXXX for XX/XX/XXXX & XXXX for XX/XX/XXXX ). Throughout this time, the bank continued to call & harass me as if I was not making my mortgage payment. Bottom line is I want the bank to report the delinquent XX/XX/2016 mortgage payment as a bank error since I actually did make the payment ( the bank seems to want to pretend that I did not make the payment because they would not acknowledge a payment that excluded escrow which I really did not owe because they lost my flood insurance policy and still have not fully updated my account with the documents I had to email them ). I 've never heard of a bank writing a check to a client and then turning them into the credit agencies. I find BankUnited to be grossly mismanaged in a tangled web of incompetent procedures, leading to the left arm not knowing what the right arm is doing. This bank should be investigated for inappropriate mortgage payment processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA continues to report inaccurate information on my credit report. the past 10+ years my payment history as been 100 % paid on time. USAA decided to report a missed payment when in fact I did pay. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points! with companies refusing to loan to me.
Product: Credit card

On XXXX there were XXXX unauthorized charges made using my card. They were for significant amounts totaling over {$3000.00}. I did NOT receive a fraud alert from Barclays and can prove this as the voice mail I received from them was on XXXX XXXX days after the charges were made and one day after they processed it. The charges were clearly NOT mine as they are for someone's rent and cable in XXXX where I do not live. They are also companies I have never paid before. If they would have had proper controls in place and stopped these charges as they are not typical charges for me. 

I was called on the XXXX about some new charges in another state but when they called they never asked about these charges in Maryland. So I discussed them all saying none of them were my charges. I didn't feel confident after that conversation so I then went in to my account and both disputed the charges and filed a complaint about the fact that the fraudulent charges had been put through and the fraud alerts that I have placed on my account had not been followed. I was upset because these charges were making my account show over the limit. I expressed my concern for that improperly being reported to the credit bureaus. And that is exactly what happened. Neither my written dispute or complaint has resulted in anyone providing me an updated or even acknowledging they received the information. I know they have a certain amount of time to respond as they can do an investigation. But I was assured by the rep when I called that this would all be removed when I receive my next statement. Statement was received but the charges still remain. 

I am a good customer with this company and this is clearly a mishap in their fraud system. These charges should have been caught and someone should have contacted me when I requested that they do. There error should not cost me over {$3000.00}. The fraud alert should have stopped the charges from going through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 companies on my Transunion Report that I did not authorize to do any inquiry on my credit report. One was XXXX XXXX and the Other XXXX XXXX XXXX. These have been on my report since 2015. I have asked Transunion to delete to no avail.
Product: Debt collection

Upon checking my credit i noticed a collection account on my file from Grant mercantile agency claiming i owed for a medical debt from XXXX California XXXX XXXX. 
I have always had medical insurance so i do n't know how this could have been forwarded to them for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXX
Product: Checking or savings account

Im filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One has misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX account it it showed me XXXX XXXX accounts withour an account number. The first one was opened XX/XX/2019. The account status is still open and the original creditor name is XXXX XXXX and It says I have a balance of {$180.00}. Same thing with the other account with the same info and another one with a balance of $ XXXX.The account open dat was the same XX/XX/2019 all the same origilnal creditor name. I don't know these accounts.
Product: Vehicle loan or lease

The vehicle was total loss I had Gap insurance the car is gone it still looks like I owe a balance and they are still charging me every month, they have been paid off by the insurance company documentation i have attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report drawn for mortgage loan. 
XXXX, TransUnion, XXXX  IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where. 
Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''
Product: Credit reporting or other personal consumer reports

I have a number of credit inquiries on my credit reports XXXX & XXXX on XXXX, a few are from the same company on the same day. I didnt not gave permission for this to happen. When I called companies I was told my address doesnt match.
Product: Credit card or prepaid card

During travel our USAA XXXX credit card was stolen and was reported once noticed and determined charges were made that we not made by us. Once reported, USAA placed a credit on the account for the charges and not additional information contact regarding this fraud occurred. 

In XXXX of XXXX, the six charges were then charged back on our statement. We then immediately called re-reported these as fraud and asked why these were charged backed- no reason was given. On one call several days later they were calming that we said the charges were valid which was not correct. What we believe happened is several days after the card in question was reported, closed and the credit issued, USAA block charges on another one of our cards on the account and we called in to have that card reactivated ( a different card than one that was reported ) - We sent a letter on XX/XX/XXXX ( confirmed by USAA that they rec 'd on XXXX ) review these details. 

We called back on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX and in all cases spending long periods of time and speaking to multiple people who said they would research, and we would get a resolution in XXXX calendar days. To this date we have not received and call or any correspondence including any response to our letter sent in XXXX XX/XX/XXXX XXXX XXXX XXXX$9.00} XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXXXXXX XXXX  {$49.00} XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXXXXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking on my report, I see that the XXXX XXXX  is reporting on my XXXX XXXX , as open accounts and closed on my XXXX accounts or vice verses. This is a valuation on my rights and I want those accounts removed on all 3 credited reporting per 1681b and 1692 codes. Also, these companies are still contacting me via mail, another valuation. Thank you
Product: Debt collection

****THIS IS NOT A DUPLICATE**** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INXXXX form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
Product: Debt collection

I have made several disputes with all 3 credit bureaus asking for proof that I owe the debt. I have provided all 3 credit bureaus the documentation from gap insurance that confirms the vehicle was paid off due to vehicle being declared a total loss because of an accident on XX/XX/XXXX and that no balance remains however credit bureaus continue to complete my disputes without removing collection account from my report even though I sent proof debt was paid. The collection company has sent to credit bureaus wrong information stating the vehicle was not paid and that vehicle is in repossession status and the account has been charged off and sold to 3rd party debt collector. This is currently preventing me from obtaining a new loan for a vehicle that I desperately need for work. Because the credit bureaus are not honoring the proof I have provided that the debt has been paid off and the account should have never been place on my consumer report. I have also sent collection agency gap settlement letter proving debt is paid and still the collections agency has not removed account from collections. As of XX/XX/XXXX I have spent extra money to hire an attorney to help in this matter. In the meantime I am submitting this complaint against all 3 bureaus and XXXX XXXX XXXX for wrongly placing a collections account ( XXXX ) I the amount of {$15000.00} on my consumer report even after I made all parties aware consumer report is wrong and debt is paid and should not be in collections or on my report. Please help as my consumer rights for fair credit have been violated. Attached is the gap settlement letter I have provided to all parties. Also attaching letter my attorney sent collections agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from TransUnion and XXXX  ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from XXXX, and nothing from TransUnion or XXXX since the first. I have included the letters I've sent as proof.
Product: Debt collection

They did not provide proof of assignment, chain of title, or insurance claims. XXXX verified the debt without full validation.
Product: Credit reporting or other personal consumer reports

Submitted numerous disputes by mail and email. Continues to get the same stall letters stating they dont believe it is me who is submitting the disputes. Has continued for more than 2 yrs. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.
Product: Consumer Loan

My husband and I signed a " Retail Installment Contract '' with Service Finance Company , LLC for the purchase of new laminate flooring for our property in XX/XX/XXXX, with a set payment amount each month. When we began the process of selling our home in XX/XX/XXXX, we discovered that a lien had been place on our home for a past due payment to Service Finance in XX/XX/XXXX. We never received paperwork or notification of this lien. The loan balanced was paid in full when we closed on our home in XX/XX/XXXX. Service Finance, LLC ensured us that this loan was only an installment loan and was not tied to a mortgage on the dwelling, however, the credit bureaus have this loan classified as a mortgage account. Service Finance, LLC will not appropriately reclassify the account after multiple attempts to resolve this error at the consumer level.