23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I discovered that my rent check that I had mailed had been stolen and deposited by someone who was not my landlord. I still have no idea how this was able to happen. I immediately called Wells Fargo to submit a claim. A few days later I went in person to open a new account and close my old account. I was told after I opened the new account to make sure that no other deposits/transactions were made in the old account, and to then call Wells Fargo afterward to close it. I did that, but then fake checks began to be deposited from my account. The person who had stolen the initial check must have used my account and routing numbers to start creating fake checks to cash and deposit. This caused my account, which I was trying to close, to be over-drafted. I had to call and submit a claim and was told that a hold had been placed on my account. Despite this hold, and despite me asking to close the account, the account stayed active and fake checks continued to be deposited and cashed. 

I was then told different things about my account ; because there were still pending actions from the fake checks it couldn't be closed, that I would have to go in person and that a manager could remove the hold and then immediately close it, etc. Even in person, no one has been able to close the account for me and I've now been told that I have to wait the 7-10 business days it takes to close it. In the meantime, as has already been shown, this person will continue to deposit these fake checks, overdrafting my account. Another part of the problem is that I did receive credits for some of the stolen checks, but they placed them in my old account, thus opening it back up and allowing another fake check to be posted. When I went in person the first time to open the new account, I clearly should have already removed all of my money from the old account and had them close it immediately. I desperately wish I had just stayed at Wells Fargo until all changes were made so that they could close it for me on the spot. I was not advised to do that and instead, this process keeps being drawn out and my account still isn't closed. 

Another issue I have had is that Wells Fargo does not have appropriate emergency hours for customers on the XXXX XXXX. Unfortunately these fake checks have been deposited and cashed at night. Each time I've called they've made it clear that the fraud department is closed due to XXXX XXXX hours, and I have to call back during their business hours. Even though it is a national bank, XXXX XXXX are essentially penalized.
Product: Money transfer, virtual currency, or money service

Greetings CFCB, I recently joined Coinbase on XX/XX/XXXX. I went through all the verification steps, provided ID, SS, Address, 2 part verification - email, sms and XXXX authetication and was approved. I made 3 trades using my bank to fund - 2 purchases of Bitcoin  ( XXXX ) and 1 {$3500.00} purchase of XXXX  ( XX/XX/XXXX ). They allowed those ACH transactions to process and my bank completed them. 

The next day, without warning, provocation or explanation - Coinbase set my account deposit and withdraw limit to {$0.00}. When I try to do wire transfers - I get a prompt of 'how to ' but cant actually select a wire as an option. 

I am locked out from adding to or withdrawing funds from Coinbase. This is absolutely unacceptable. They are de facto holding my account, my trades and my money hostage. 

I submitted a request to increase the limit multiple times and was denied. I tried multiple linked bank accounts all of which had limits set to {$0.00}. I filed a request to Coinbase to troubleshoot and only received auto generated email responses that took days to appear. I then filed a client complaint and they dodged this issue. I went on XXXX and XXXX requesting help - No response. There is no 24/7 support or call center number to talk to a human. I feel completely helpless. Ostensibly, Coinbase took my money and disappeared. 

Can you please help me and refer to all screen grabs. It's a lot of money for me and I do not know what to do.
Product: Mortgage

XX/XX/XXXX To Whom It May Concern, I would like to report a fault loan on my loan officer XXXX XXXX. VIP Mortgage INC. 

I was unemployed on XX/XX/XXXX. The house I wanted to purchase is located at XXXX XXXX XXXX XXXX, TX XXXX with the price at {$140000.00}. I asked XXXX XXXX if I could purchase a house with 10 % down while I am unemployed. XXXX XXXX XXXX looked through all of my income tax XX/XX/XXXX & XX/XX/XXXX and he said yes. He sent me an approved loan letter with qualify amount of {$150000.00}. I signed a XXXX XXXX Sell and was supposed to close the house on XX/XX/XXXX with the price of {$140000.00}. During the whole time of waiting for the loans to get approved, I kept follow up with XXXX XXXX regarding my loans status. He reassured me that I was qualified to buy this house. 
When it times to close on XXXX XXXX he said my debt ratio was too high. He wanted me to sign another amendment extension to XX/XX/XXXX. He told me if I can have another person cosign with XXXX % down then for sure I will get the house. I asked my sister for help. I came up with XXXX % down ( {$21000.00} ) with my sister cosign. By XX/XX/XXXX he said the under writer did n't approved the loan because my debt ratio is too high. By then, I have passed the dead line of 25 days from XX/XX/XXXX contract signed. 

On XX/XX/XXXX I have to signed away my {$1400.00} for Earnest Money to the seller because my loan was disqualify and my contract was over 25 days limit. I am very upset because I lost my {$1400.00} Earnest money and {$610.00} for the appraisal. Total I spent was {$2000.00}. As a professional loan officer, XXXX XXXX should acknowledge that if a client has a high debt ratio and unemployment at the same time then he should let his client know upfront. I was misleading by XXXX XXXX. I want to hold him and his VIP Mortgage Inc. an accountable for {$2000.00} that I lost. I want XXXX XXXX and his mortgage company to refund me the {$2000.00}. 
I need that money to support my family while I am unemployment Would you help me to get refund my money. 
XXXX XXXX works as independent broker. 

XXXX XXXX - buyer XXXX XXXX XXXX . 
XXXX, TX XXXX VIP MORTGAGE INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Loan Originator Identifier XXXX VIP Mortgage Inc. 
Loan Origination Company Identifier XXXX ( P ) XXXX ( F ) XXXX
Product: Student loan

Upon asking navient if there was anything to do to lower my monthly payment they suggested defaulting on the loan. I said no to default I do n't want to hurt my credit. They suggested forbearance which I also did not want to do. I asked for an income sensitive plan. They said they did not offer anything like that. They adjusted the plan so I am just paying interest but nothing substantial to the principal. Even that amount is more than what I can pay. I heard about the class action lawsuit against them for people who had the same thing happen to me.
Product: Debt collection

After numerous attempts to get Bull city financial to remove this fraudulent account from my credit report they still havent removed this fraudulent account I never had any account from them ever. I want to dispute this fraudulent account under the fair credit reporting act.
Product: Debt collection

I sent PRA a letter asking them to verify a debt, claimed to be owed to them, by sending me ( a ) the original contract and ( b ) a complete set of financial statements. In return, PRA sent me a financial statement for one month and did n't send the original contract. Furthermore, according to PRA 's records, the credit card account was opened in XXXX XXXX, yet PRA was only able to provide me a statement for XXXX XXXX. Thus, despite not having proof of contract or a complete set of financial statements, to show how the amount claimed to be owed was calculated, PRA is still reporting this debt to the credit bureaus.
Product: Debt collection

I recently checked my credit and identified a debt collection on my consumer report from SUNRISE CREDIT. Account # XXXX. How did you come up with this balance? I have never done business with you. Please send me all the documentation proof that I have done business with you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a complaint. This is a claim concerning fraudulent claims made against me by Capital One. I have a capital one platinum secured credit card. The credit limit is {$500.00}. I put the {$500.00} on the card myself. They have purposely reported incorrect information that has caused my score to drop tremendously. I paid off the full balance on XX/XX/2023. The end of the billing cycle was XX/XX/XXXX. Capital one reported that I still owe a balance of {$460.00} after the end of their billing cycle and that caused my score to drop XXXX points. I don't understand how it could even drop that much, even if I had not paid the balance. However, I paid the full balance on XX/XX/XXXX and capital one did not report that pruposely I can only assume. I spoke to a representative on the phone on XX/XX/XXXX and the representative told my that XX/XX/XXXX is the end of the statement cycle and that I should soon see improvement on my score. The representative did nothing to fix it at that time. Then I notice today XX/XX/XXXX that my score has dropped XXXX points. I call Capital one today and ask to speak to a manager the manager lied and told me that today is the end of the statement cycle and still did nothing to fix the reporting issue. My score has done nothing but drop since I signed up for this card. XXXX points in total according to XXXX XXXX. All of this for a {$500.00} secured credit card, that I put own {$500.00} into funding. My score has never been this low and my goal is to build credit. Instead, I paid off the full balance and my score has dropped lower than ever because Capital one did not report that the account is paid in full.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account Belk : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have unverified accounts on my consumer report that need to be removed immediately.
Product: Money transfer, virtual currency, or money service

Zelle and XXXX XXXX  Frauds been happening but nothing was returned and nothing they can do to be fixed. XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX for XXXX XXXX XXXXXX/XX/XXXX for XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This communication serves as an additional assurance that certain items, identified as potentially fraudulent, will be removed within the forthcoming 15 days. I have diligently monitored my credit reports and, while I appreciate the removal of some fraudulent entries during the previous update, I am scheduled for another update in 15 days. I hope that further deletions of the remaining fraudulent items will be effected at that time. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605, it is mandated that the Credit Bureaus expunge any items listed on an Identity Theft Report, specifically Report # XXXX. The items in question are detailed below for your reference : 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 EQUIFAX 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
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed that my debt card was charged a total of {$460.00} .by fed ex .I opened a fraud claim with bank of america. They shut off my card and sent me a new one that I received 10 days later. So after I received my new card I was hit with fraudulent purchases again at fed ex again for a total of {$1100.00}. the bank told me that both times the card was physically used on site in XXXX Tennessee.. I have never been to XXXX Tennessee and the card has never left my possession. Its obvious to me that the fraud is an internal problem with the bank. Since I have never made a purchase ever at fed ex. Bank of america as of XX/XX/XXXX has denied the claims. I have not received the letter stating why the claim was denied yet
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I feel as if my credit report was a part of a XX/XX/year> XXXX XXXX as reported by the national media. I wrote each credit agency-XXXX, Equifax, and XXXX to look into the matter at hand but no response. The entire credit report information was exposed.
Product: Debt collection

I have been sent to collections over a 4 year old anesthesiologist 's invoice ( Today is the 4-year anniversary of my XXXX ) that I knew nothing about until I received 1 invoice last XXXX XXXX. I promptly called them but never received a call back or received any more communication ( notes attached ) ; now I just received a collection notice on XXXX/XXXX/XXXX almost 4 years to the day! The original invoice was for anesthesia during my 41 MINUTE colonoscopy. my insurance paid {$2100.00} + {$150.00} for XXXX. My son 's anesthesiologist bill for his 4 HOUR XXXX was less than this. This ca n't be legal to bill ONCE so LATE, not return calls, then collections. ( and overcharging to say the least ). I finally got them to answer the other day after 5 calls and they said it was out of their control. I called the XXXX XXXX XXXX where the procedure was done, and they said they have many other people who have called them and told them that XXXX/Dr. XXXX did the same to them! This can not be legal and it is not the correct way to communicate with customers or do business! ( XXXX/Dr XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Acct # XXXX, ( XXXX ) XXXX. Date of Service XXXX/XXXX/XXXX. TSG Collections XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, Chase auto bank, account XXXX XXXX  has violated my rights. 

They constantly charges me late payments and report late payments to the bureaus when I make debit payment on the due date. It is not my fault that they don't take the funds that date. Even though it shows me making payments on or a few days before the due date, they still charge late fees and reports negative comments to the bureaus when its not my fault that the processing is slow. I have tried to talk with them about this issue but they will not be fair. I am a veteran who has served this country and in return you get unfair creditors who treat their customer with no fairness. I wish to be treated equal and have these late payments removed as I am making my payments on time, it is the system that processes the payment slow.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX, CAPITAL ONE # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries appear on my account. These were not made by me and the credit issuer was unable to verify that it was me. I contacted the credit bureau each time to make sure the security freeze was still active since no one tried calling me to verify. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX contacted company paid fraudulent charges to have it closed down. 
XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

XXXX actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business SYNCB/PAYPAL CREDIT CARD is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between SYNCB/PAYPAL CREDIT CARD and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.
Product: Credit reporting or other personal consumer reports

My identity was stolen and someone opened a account in my name and deposited a fraudulent check in the account and I provided them with my police report of the account i had no prior knowledge of the account exiting until it popped up on my credit report and they refuse to remove it this is on going for 3 years and i cant get in contact with them I currently cant open a bank account due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XX/XX/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: Checking or savings account

XX/XX/XXXX my account had a person addex to the acocunt as my son. his name is XXXX XXXX. my account was locked out due to chargeres being taken from my account. XXXX XXXX  to b exact. i had called td fraud and told them i dont know this person and i dont authorize XXXX XXXX  being taken out. i even got voice varified right after due to the fraudulent activities. i woke up on XX/XX/XXXX to two XXXX dollar XXXX transactions removed from my account. paid through XXXX. i had immediately called td and they tried to cancell the transactions but it was too late. i went to my td bank in XXXX ct. the branch manager told me a police report wouldn't change anything and that we just need to file a dispute.. the dispute was denied for geolocation was the same. i was then told by the fraud department a police report will help. so i went and got the report and then went bank to td in XXXX where XXXX the other manager failed to properly resend the dispute ... my 2nd dispute was then denied. when asking why they said the police report was never sent.. i called td in XXXX and XXXX the branch manager who " sent '' it in said it must of gotten lost ... she then blammed other people for her actions of this lost police report. she claimed other ppl handled it when she was the one who handled my second dispute then lost my police report. after callimg td fraud and managers i still got no where. td is telling me its my fault i allowed my sccount to be compromised.. i dont see how they are right when i called on the XXXX about the first XXXX $ being withdrawn.. then another grand was removed ... so XXXX just thrown away and td thinks my police report is a joke and told me to go XXXX myself because its not fraud. this is the most unprofessional bank I've ever dealt with.. from fraud to branch managers td had no idea how to handle this situation and it has left me fighting td for over a month and i still cant afford any of my bills or way of life ....
Product: Money transfer, virtual currency, or money service

Venmo froze my new account after I tried transferring money I received from my partner to a bank account. And demanded my ID. I provided my ID but they haven't unfrozen my account. I have done nothing wrong. I just made the account.
Product: Bank account or service

I went to Bank of America to cash a check. 
Which is a check issued by the CLERK OR THE SUPERIOR COURT XXXX TRUSTEE ACCOUNT. in the amount of {$10000.00} The check was issued in my name XXXX XXXX on XX/XX/2016 at around XXXX. 
I was told to wait 3 hours to cash the check at any Bank of America. 
I went to BOA at # XXXX XXXX XXXX, XXXX, CT XXXX Telephone number XXXX A person by the name of XXXX ( I believe ) told me they did not have that much money. I asked when I could cash it then and he told me it takes 2 to 3 business days for a check like this to be cashed. 
However, I was told that I could open an account and deposit the check in the account!!! 
1 ) What upset me the most was the rude answer from this person XXXX or whatever his name was. I could probably have agreed if I had been treated better, but the disrespect, the lack of explanation, and telling me that I can not cash a check and have to wait 2-3 days for them to have this amount of money together!?!? 
That is disrespectful and offensive. Now tomorrow I have to come late to work because some employee did not want to do his job.