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

I wire transfered {$5900.00} to my USD account of Coinbase in XX/XX/2018. Then, My coinbase account has been locked until I can complete the identity verification, which includes my name, DOB,  personal address, my occupation and last four of my SSN. Since then, I can't buy, sell, withdraw money, or even close my Coinbase account. The reason Coinbase gave me is that they need to verify my Personal Information and SSN. So I verified my CA Driver Licence and tried several permutations over 2 months and failed over and over because Coinbase says my ID can not be located. Then I requested to close my Coinbase account for getting my money back but failed to close the account. I have sent several emails and submitted many requests and the customer support did nothing and even disappeared after I showed my account 's problem. I still have that {$5900.00} locked up in my Coinbase account and can't touch or withdraw it.
Product: Debt collection

I chatted back about CFPB XXXX the {$42.00} debit isn't valid because the books have been already returned and it's too old to be sent to y'all to handle from XXXX I required y'all to stop trying to collect the debt and close the account out and send it back to XXXX XXXX XXXXt Account Number XXXX and XXXX XXXX XXXX Account XXXX updated because this is the second time y'all tried to collect from it when I disputed it with y'all but they sent the account back to y'all new account number is XXXX I want y'all to dispute it and send the account back to them again and also stop trying to collect from it if they send it back to you with a new account number or the same account number I says etc.
Product: Payday loan, title loan, or personal loan

In XXXX of this year, I applied at my local bank for a HELOC on my property. The process was going smoothly and the loan was conditionally approved. Then the title company found a lien on the property reported in XXXX  at book XXXX, page XXXX for the amount of {$25000.00} ( for Home Improvement ). According to my bank, XXXX, states that it looks like Bank of America may have paid this off - it shows a XXXX and XXXX mortgage with them after the XXXX XXXX XXXX XXXX ( which is now out of business ). XXXX needs me to provide them with something to show them that the lien ( which appears to be a equity/2nd mortgage ) has been paid off. The bottom line is that I owe no mortgage company or bank any funds - my house is paid off. I need to resolve this as soon as possible. I appreciate any help you can render at this time. Companies that may be involved with this issue are the previously mentioned XXXX, Bank of America, XXXX, Countrywide.
Product: Credit card

Chase XXXX credit card falsely advertised that after spending {$1000.00} you would receive XXXX free nights at XXXX and they waived the {$75.00} fee the first year. When I applied on their site they still waived the fee but required you to spend {$2000.00}. After spending over {$2500.00} they assessed the {$75.00} fee and did not waive it. In the literature they sent with the card they just removed the note stating the fee would be waived!
Product: Debt collection

I received a notification on XX/XX/XXXX that Jefferson Capital System had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of XXXX XXXX and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with Jefferson Capital System or XXXX XXXX. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact Jefferson Capital System but was not successful in getting any additional information and Jefferson Capital System refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a Jefferson representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that Jefferson Capital remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.
Product: Debt collection

Checked my credit report and found a new collection it says original creditor XXXX XXXX which is a company that no longer exists plus Ive never had an account with XXXX XXXX 
They need to provide the contract it says the collector is CBE group 15 U.S. code 1682 ( g )
Product: Credit card or prepaid card

I applied for a credit card called BoA Cash Rewards from Bank of America ( BOA ) in XX/XX/XXXX, I has been charged for annual fees of XXXX $ per year from XXXX to XXXX ( total XXXX years, total XXXX $ ). 

However, until recently Im informed by the banker that this type of credit card by BOA is free of annual fee. I contact with BOA, the custom service of BOA admits its not right to collect the annual fee, however, they are only willing to waive the annual fee in future ( XXXX ) without returning the previous annual fee. 

References 1 Web site of BoA Cash Rewards now called Bank of America Customized Cash Rewards Credit Card Annual Fee {$0.00} https : //www.bankofamerica.com/credit-cards/products/cash-back-credit-card/? campaign=4051253~FR~en_US 2 Terms of this credit cardAnnual Fee None https : //www.bankofamerica.com/credit-cards/terms-and-conditions/? campaignid=4051253 & productoffercode=FR & locale=en_US
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on  3 different  occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 let ters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have n ot received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded  to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights.  On 2 seperat e occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( Empire Finance Of AR ) XXXXXXXX XXXX XXXX
Product: Credit reporting

CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY THIS PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THIS IS IN DIRECT VIOLATION OF THE FCRA..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} 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
Product: Money transfer, virtual currency, or money service

I was told an account was going to be purged but I believe it was opened back up in my name and a fraudulent transfer took place. There was also false banking information entered into my XXXX payment account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT A AUTHORIZED USER ON THIS ACCOUNT XXXX XXXX XXXX XXXX Late Last Updated : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX  of your credit limit. 

XXXX XXXX  ( Stay below ) XXXX XXXX  Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 90 Days Past Due Amount {$470.00} Highest Balance {$1700.00} Monthly Payment {$120.00} Times 30/60/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX {$1600.00} XXXX XXXX  XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 142 % of your credit limit.

30 % ( Stay below ) 142 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1100.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$480.00} Highest Balance {$1600.00} Monthly Payment {$110.00} Times 30/60/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to report this account FAQs Privacy Policy Terms and Conditions
Product: Mortgage

I am trying to refinance/modification for my loan but since it is not the 1st loan on the house the provider can not help with refinance or modification. The loan terms expires in XX/XX/2020 and the balance is around $ XXXX. due to the pendemic i was out of a job. They just flat out denied the modification. 

Please help
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance : {$9500.00} Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/2015 XXXX XXXX XXXX
Product: Debt collection

Debt Recovery Solutions , LLC is writing to me on behalf of XXXX XXXX XXXX, XXXX for a debt they claim I owe to XXXX XXXX XXXX with account number XXXX. I do not have knowledge of this debt nor have I contracted services in the amount of {$330.00} with this company.
Product: Credit card

Bottom Line Up Front : I booked travel with Amex points and cancelled the travel within guidelines. Instead of refunding my points, Amex charged me for them ( unauthorized ) and can not figure out how to reverse the charge despite admitting the error. 

On XXXX XXXXXXXX XXXX at XXXXXXXX XXXX ET I booked travel through American Express using XXXX Amex points to cover the air fare. On XXXX XXXXXXXX XXXX  at XXXXXXXX XXXX  ET I called Amex Travel to cancel the ticket within the 24-hour window. Initially the agent gave me a hard time about voiding the ticket, but eventually agreed to void the ticket and told me it had been done and that points would be returned to my account. 

When I went to book a new ticket on XX/XX/XXXX, my points had still not been returned and were unavailable for using on the new ticket. This forced me to purchase the new ticket using cash I had not budgeted. 

I placed two more calls with Amex ( XX/XX/XXXX and XX/XX/XXXX ) before the points were returned to my account. However, instead of simply returning my points Amex charged me for the points as a purchase for the amount of {$530.00}. 

On top of the ticket, which I had planned to purchase with points, this now placed an additional financial burden on my account that was unauthorized. 

I have subsequently spoken with Amex an additional three times since this error : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The {$530.00} is still on my account and starting to accrue interest charges every cycle, as I refuse to pay it. Amex has removed the interest charges but can not seem to figure out how to refund me the monetary value of the points refund. 

Including the time on the phone and writing this complaint, I have now spent 8 hours of my time or the equivalent of a standard work day on this topic. Amex has now opened three investigations on this topic. The last one to investigate the previous one, on which there had been no action by the time I had called again. 

The first investigation was opened by an Amex service member without notifying me and falsely claimed that : a ) I had not cancelled my ticket within the 24-hour window and b ) they had sent travel voucher for the amount of the travel Neither of which are true. I have my phone and email records to show that the ticket was cancelled in the 24-hour window and a travel voucher was never sent. The travel was on XXXX XXXX, which also does not log a travel credit, nor does a travel credit appear in the appropriate Amex account. 

Despite multiple service members admitting the fault on Amexs part, no one can figure out how to refund the value of the points. Every time I call, Amex bounces me between different departments, none of which appear to have the power to fix the problem. Since nobody at Amex appears to take responsibility for the fault, no one is held accountable or motivated to fix the problem. Instead, Amex will chase its own tail opening investigations on previous investigations.
Product: Credit card

This credit card was my first credit card my history as I explained I paid XXXX $ in cash local BofA branch in XXXX XXXX, to get credit card with XXXX $ credit limit thats mean this is secure credit card. 
BofA makes decision to close this account Explained in mail sent to my address, that i exceed the limit which I paid in full. I call credit company explain but was desperate answer. BofA owes me the XXXX $ deposit they never paid.the worst is they cut my credit history significantly.I will be grateful appreciate if you investigate this issue. 
Thank you
Product: Debt collection

Illegal Lien on House Property Debt belongs to my spouse not me. 
House belongs and is registered only to me. 
Collected more than the debt Did not ever notified by mail, email, phone call prior Never divulged name of creditor. 
( XXXX  # XXXX ) The debt was from XXXX and a judgement was established on XX/XX/XXXX in XXXX XXXX by Portfolio Recovery Associates LLC Assignee of XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
The debt was paid on XX/XX/XXXX by XXXX XXXX XXXX for {$1100.00}. However the debt belonged to XXXX XXXX XXXX ( Spouse ). The home is register only to XXXX XXXX XXXX and XXXX XXXX is not a co-owner of the property. A lawsuit is being considered against Portfolio Recovery Associates for damages of credit, Illegal Lien to the home/property
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax removed XXXX XXXX # XXXX from my credit report due to a dispute I filed proving I am not the owner of this account. This account belongs to someone with a totally different middle and last name. I provided sufficient identicication proof that the XXXX XXXX account is a mistake due to credit file merging. 

on XX/XX/XXXX XXXX XXXX # XXXX was added back to my Equifax credit report along with the name of the owner of the account in question. 

Proof of Equifax Dispute and Police report attached.
Product: Debt collection

This collection account by Americollect has been plaguing my report for months saying I owe for 3 accounts. The bureaus are working on investigating and XXXX  and XXXX have deleted 2/3 while  XXXX has claimed they verified. How is this so? I first communicated with Americollect requesting information to validate this debt. They sent me invoices after clearly stating I need to see written proof of this debt or they need to remove the erroneous information post haste. I have sent two certified letters to them with no response
Product: Debt collection

It states i opened an acct in 2016 and I did not currently shows that I owe {$2000.00}. They do not have license to collect or contact for debt in the State of Indiana. I want this information removed from all 3 of my credit reports
Product: Vehicle loan or lease

I purchased a car XXXX XXXX XXXX  to be exact I guess the amount total was {$32000.00} after everything was added in they only wanted {$17000.00} for the car total but with the ApR made it {$32000.00} well I gave the car back after I had paid {$8000.00} total I was informed that they auctioned the car off for {$5000.00}. They did not pay no more than {$17000.00} for the car and charged me {$15000.00} more well now they are taking me to court wanting me to pay {$12000.00} still.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts. Received a letter from XXXX indicating that Wells Fargo is responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Entered into a forbearance around XXXX 2022 and agreed to due a deferral with first payment due XX/XX/XXXX. 

Made the XX/XX/XXXX payment EARLY on XX/XX/XXXX for {$1500.00} by phone to be applied to the XX/XX/XXXX payment. 

XXXX DID NOT UPDATE the website address for payment of XX/XX/XXXX, so I paid again, a second full mortgage payment on XX/XX/XXXX I paid twice because I was terrified I would be reported late, even though they received the payment on XX/XX/XXXX that was due XXXX. 

I learned on XX/XX/XXXX, my XXXX FICO score had dropped from XXXX to XXXX because XXXX reported 60 days late in XXXX. They are reporting 60 days past due on ALL 3 CRA 's - Equifax, XXXX, and XXXX killing my credit and financially ruining me. I was in a forbearance program, called XXXX three or four time to ensure this would not happen and verified my first payment due was XX/XX/XXXX with the deferral program. Despite paying twice and being in a forbearance program, XXXX reported 60 days late twice for XXXX. 

I was rejected solar financing for a loan due to a XXXX credit score. The solar loan would cost me $ XXXX instead of paying {$320.00} for electric bill. I am also in jeopardy of having my credit cards closed due to XXXX reporting 60 days late in XXXX. 

XXXX has ruined my credit and finances with their erroneous financial reporting to the CRA 's. They are also jeopardizing my finance with wrong statements made and requests asking me to make a XX/XX/XXXX payment they already received in XXXX. The next payment due should be XX/XX/XXXX, as they have received two payments since XXXX to XX/XX/XXXX, with the first payment due XX/XX/XXXX. 

Please help - forbearance under COVID was not to be reported late, yet XXXX reported 60 days late to each of the CRA 's, double billed me for the first payment due XXXX and has devastated my finances.
Product: Debt collection

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

This Consumer Complaint is against DataMax Corporation Located at XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX. 

DataMax Corporation is in violation of 15 U.S.C. 1692-1692P Against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )