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

On XX/XX/XXXX A third party gained access to my Coinbase account. My assets were sold into USD. All transactions on this date were unauthorized. The money was then transferred into XXXX debit cards not in my name to XXXX XXXX XXXXXXXX accounts. This was done with instant transfer not ACH. The amount was {$63000.00}. This happened around XXXX. It only took XXXX minutes for them sell everything and transfer the money into these debit cards. The next morning I had no access to my account so I called up Coinbase to ask what is going on. They informed me there were many transactions the night before i had my account frozen and told them everything done was not by me and freeze any transactions that might be in progress. After i regained access to my account I was able to see that these were not blockchain but USD that was taken off their platform. I made them aware of this many times and asked for the full name and account numbers to where my money was sent. They refused to give me that info, but a couple times they told me the name and bank where it was sent to. After being put on hold and ask for the name and bank again they told me they were not supposed to tell me that. they did nothing to help me out or figure out what happened even when the detective working the case needed that info. They could have contacted the bank it was sent to and at least try to do something but kept telling me all blockchain transactions are final. This is not a blockchain transaction but USD and would not listen. After waiting over 2 months after filing a formal complaint, they told me the same thing, all blockchain transaction are final and can not be reversed. They must be held accountable, what XXXX safeguards where made when these cards were added to my account? Did they follow XXXX guidelines? Did they file CTRs to the IRS? I can not believe that any company in the US would allow that much money to be taken out in such a short period of time, without allot more protection for the account holder.
Product: Debt collection

I have never had XXXX service. They are charging me thousands of dollars for something I know nothing about. I want to see their documentation of what they have to show that it was not me. I want the phone number they are charging for and I want to have this taken off my credit report. I want the original date. I want to see where I signed something. I need this removed. I keep disputing this and they keep lying.
Product: Credit card or prepaid card

on XX/XX/21 I spoke to " XXXX '' I informed her the item I paid {$550.00} was a counterfeit and had no serial number. She instructed me before she could proceed I needed to return the item. I explained to her the seller has started harassing me and I had blocked him, furthermore I have no obligation to come out of my pocket to return an item to this person in hopes of them simply launching a dispute, and that I wouldn't pay out of my own pocket to return a counterfeit item to someone who had already committed a $ XXXX amount of fraud by selling it to me without disclosing it didn't have serial numbers. She refused to listen .... normally I would call back for something more reasonable but this was the third time calling, the first time I got hung up on and the second I waited XXXX to talk to someone after they just seemingly left the phone. This financial institution is failing in their fiduciary duty and they need to move forward with this dispute with the ample info I have given and the full conversation me and the seller had I offered to give.
Product: Mortgage

I called my mortgage company ( BSI Financial ) to inquired about the process to request a review of my mortgage to have my PMI removed in XXXX of XXXX. The representative I spoke with on at this time told me that I would need to procure an appraisal on my own and submit it to BSI for the request. She also told me that since I had refinanced within the last two-years that I would need to wait to submit my request until two-years had passed since my refinance, which would be in XX/XX/XXXX. 

So in XXXX of XXXX, I contacted a local real estate home appraisal firm in my area and paid {$400.00} to have an appraisal done on my home. Once I received the appraisal on XX/XX/XXXX, I submitted online it to BSI. When I called to speak with a representative on XX/XX/XXXX about next steps, I was told that they had changed their process, and now PMI removal requests required BSI to coordinate the appraisal ( for a fee of {$450.00} ) and that the one I had just paid for would not be acceptable. 

I explained to the representative that I had followed the process that I was originally instructed to do, and never received any communication from BSI that they had updated their process to know that this process had changed. The customer service representative forwarded me to her manager, who after speaking with his supervisor, indicated that they would waive the fee given the circumstances and told me to email him directly the appraisal that I had received for BSI to process. 

After not hearing from the manager or BSI for several weeks and multiple follow-ups, the manager finally called me on XX/XX/XXXX to tell me that they BSI was no longer going to waive the fee and if I wanted to submit a request to have my PMI removed, that I would need to pay the {$450.00} for a new appraisal. 

I told the manager, that if BSI was not going to resolve this, given I had followed their direction and paid for my own appraisal, that I would have to seek alternative avenues to resolve. He said that he would speak with his supervisor again and call me back, but to date, I have not been contacted from him or anyone from BSI on this issue.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Auto Loan with Credit Acceptance, I have paid this charge each month diligently. 
My credit report shows that I am 30 days or more past due on my payments for XXXX XXXX XXXX XXXX, and and XXXX XXXX 
However I paid each of these months within 30 days of the due date. In XXXX my payment posted on XX/XX/XXXX. In XXXX on XX/XX/XXXX. In XXXX on XXXX 

I have attempted to reach out to the company to find out why my payments are being reported as late, and the only advice I was provided was to file a dispute with the credit bureaus. I filed a dispute with all 3 bureaus and the dispute results came back that the information is upheld and no changes will be made, however the supporting documentation provided shows the same payment dates as I have provided above. 

These payments were not late and this information reported is false. I am requesting a further investigation into this matter, thank you.
Product: Checking or savings account

On XX/XX/2020, {$3000.00} was taken out of my account and a bounced check fee was put on my account after someone else wrote a check from a different account ( they had a copy of the check ) paid to my name. It said they couldnt locate the account for that check so took the money out of my account ( no account number, birthday, or any information about me other than my name in the TO section of the check was present ). Someone other than me cashed the check and US Bank gave the {$3000.00} in cash to whoever cashed that check, and that person was not me. The signature on the back of the check is not my signature. When I noticed the money missing on XX/XX/2020, my local bank refused to set up an appointment, telling me to schedule one on the phone app. When I tried to schedule one on the app there were no available appointments for me to open new accounts. The fraud department at US Bank froze my accounts per my request and facilitated me opening new ones. When I asked if they had asked for ID before cashing that check I was told they couldnt tell me that and Id need to file a police report for authorities to ask any specific questions. I was told if the fraud department could release any information to police they eventually would and I could get my information from the police. I filled out all required paperwork and an affidavit and sent it to them on XX/XX/2020. On XX/XX/2020 I filed a police report with the sherif and called to check on the status of my claim. The fraud department at US Bank said they hadnt received the email or fax despite me receiving a fax confirmation. I was told to wait another day to see if it was received before they would open a claim. Someone wrote a check to someone else with the same name as me ( it wasnt my check or my account- it was a check written to someone with my first and last name ) and US Bank cashed it. Then when the check didnt clear they arbitrarily took {$3000.00} from my account despite that check having been cashed at a US Bank that wasnt my local bank ( they wont tell me what branch cashed it XXXX and Ive not gone out of town at all. On the date in question I purchased lunch where I live with my debit card using my PIN number showing I was physically in a different location than where the check was cashed.
Product: Credit card or prepaid card

On XX/XX/XXXX, a series of fraudulent charges were made to my account. All but one of them was cleared from my account. The fraud charges resulted in me getting a new credit card. The charge that was not eliminated was for {$400.00} to " XXXX ''. I notified them via calls and messages and formally filled a dispute. When the dispute was finished, they said an error was made and the {$400.00} was put back on my account. Only this time it was three separate charges of {$400.00} each totally {$1200.00}. I called to notify them, was hung up on, and called back again. This time they told me they have to close my account again and issue me another new card. Complete waste of time to go through this all, have to switch over my auto pay bills all again, and still not have a resolution to it.
Product: Credit card

All fraudulent activity occurred in NY and I am a MA resident. TD texted me a suspicious activity text and I confirmed Fraud had taken place on XX/XX/XXXX. All previous Statements within the last 3 months have been from MA. The card is still in my possession, I do not know how these in person transactions were made. I do not understand how these cash withdrawals or transactions of this amount could be approved without my identity being confirmed. I have filed a fraud dispute twice with TD in which they have denied my claim because the card is in my possession. 

XX/XX/XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX # XXXX {$110.00} XX/XX/XXXX XXXX XXXX {$16.00} Attached is one of the dispute claims as well as proof from my other credit card that I was in fact in MA at the time of these fraudulent NY transactions.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I made a payment on or around the week of XX/XX/year>. The payment was for my Citibank credit card in the amount of {$100.00}. The payment was via XXXX from my checking account. The payment cleared and was credited to my account. I then made a second payment that same week for another {$100.00}. This time it was brought to my attention Citibank placed a hold on my payment until XX/XX/year> ; causing an undue delay. This is unfair and abusive. Please be advised I am submitting this same complaint with the BBB, FTC and OCC.
Product: Debt or credit management

My original mortgage lender was XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ). 
I signed my Note and gave it to XXXX on XX/XX/XXXX. XXXX went out of business on XX/XX/XXXX. XXXX did not indorse the Note to any party and XXXX did not assign the Note to any party. 
XXXX XXXX XXXX XXXX ( XXXX ) took over the mortgage servicing while it was a stranger to my Note and while not paying the XXXX its share because XXXX did not exist. 
I made monthly mortgage payments to XXXX until XX/XX/XXXX. Due to the XXXX of XXXX, I lost my job in XX/XX/XXXX I was not able to pay XXXX. 
On XX/XX/XXXX XXXX forged a mortgage assignment from XXXX to XXXX. and based on that filed a Foreclosure Complaint on XX/XX/XXXX in the XXXX XXXX XXXX XXXX XXXX NJ, On XX/XX/XXXX XXXX. XXXX XXXX from the NJ XXXX XXXX XXXX XXXX suspended the Complaint of XX/XX/XXXX and ordered XXXX to remove the forged mortgage assignment of XX/XX/XXXX to cure the deficiencies and re-file. XXXX violated that Order of XX/XX/XXXX, and instead forged two more mortgage documents and sold it to XXXX XXXX XXXX XXXX ( XXXX ) sometime before XX/XX/XXXX. XXXX hired a local notary public to forge my signature on a so-called XXXX  Agreement of XXXX. On XX/XX/XXXX the Note was already time barred based on XXXX  XXXX ( b ). On XX/XX/XXXX XXXX filed the second foreclosure complaint based on the time-barred Note and the recycled forged mortgage assignment of XX/XX/XXXX. XXXX was a debt collector by filed the foreclosure complaint as a mortgage lender and servicer. without being a secured creditor. I sent FDCPA Debt Validation letter to XXXX in XXXX of XXXX they ignored it. 
XXXX sold the alleged debt to XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. XXXX sent me a FDCPA Debt Validation Letter on XX/XX/XXXX and I denied it and asked for validation. XXXX replied that they would validate the debt and get back to me and I am still waiting. XXXX was a debt collector and was trying to collect on a time-barred debt. In XXXX of XXXX, XXXX sold the alleged debt to Shellpoint Mortgage Servicing ( Shellpoint ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). On XX/XX/XXXX I sent them FDCPA Debt Validation Letters, and they replied that my case was complex and they would get back to me. I never heard from them, On XX/XX/XXXX I sent them both FDCPA Cease and Desist Letter. Shellpoint continued sending my mortgage statements on a time-barred Note. Shellpoint is a debt collector not my mortgage servicer. XXXX XXXX  is a debt collector, not the owner of my mortgage. The owner of my mortgage was XXXX and now the Note is time-barred. I request that both leave me alone and stop harassing me.
Product: Credit card or prepaid card

I received an XXXX Chase Visa signature credit card without applying. The card was accompanied by a brochure outlining XXXX XXXX as well as a guide to benefits privacy notice agreement rates and fees schedule along with a credit line amount. I contacted Chase Bank and filed a fraudulent action against XXXX. I also contacted XXXX and was told an application was not on filed in my name for this particular card. When I researched this online other individuals have experienced the same problem with this company and have also received the same card without applying this seems to be a common practice with XXXX.
Product: Debt collection

ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU
Product: Money transfer, virtual currency, or money service

in the beginning they never made it clear that once the money got sent they couldnt refund you and a lot of people were scamming. I sent money for a purchase and never got it back, they dont have customer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certified mailed letters to Nissan Motor Acceptance Corp. on XXXX XXXX, 2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. Nissan Motor Acceptance Corp. failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.
Product: Credit reporting or other personal consumer reports

Improper use of credit report. Please review attachments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My entire work history is missing. 
I had error problems trying to download my report My report was not detailed. 
One address on my report I have not lived at since XXXX. I moved due to being unable to afford rent after paying a XXXX something dollar light bill which the lights were again turned off 3 days later. 
2 address are missing completely I moved to an apartment afterwards until the middle of XXXX, I was scammed by my landlord to my apartment to pay the water to the entire apartment in my name in order to use my washing machine. That being said, I lived in the apartment for a year. 
I then rented another house for a year with a roommate until XXXX. 
I started disputing issues in XXXX because of Several inquiries that were not myself and inaccurate information. 
My Current address I have lived at since XXXX of XXXX, It took me 4 years to add and correct my current address to other reports so I did not attemt dispute it with the company this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Bank account or service

Sam 's Club Credit does not provide a reasonable electronic statement that reflects all of the information provided on a paper statement. When enrolled in electronic statements this is information that is no longer available unless it is requested from customer service ; a paper statement is then generated and mailed to the address on file. Most banking and credit institutions provide a way to view electronic representations of the exact statement that would be mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have recently viewed my EXPERIAN credit report on XXXX to find Inquiries from companies I did not authorize, and are Identity Theft. I contacted EXPERIAN directly and was assured by a customer service rep that the inquiries would be removed. I let the rep know this was of mych importance, as it was stopping me from purchasing a home. This causing me and my children much harm as we can not get a place to live with this matter pending.I contacted the Federal Trade Commission in this regard. They told me I should contact the CFPB with this matter and to get back to them if It can not be resolved. I've called EXPERIAN everyday for past month and nothing has been removed. Please help. My family needs a place to live and this is stopping our process.
Product: Mortgage

I applied for mortgage assistance, got approved and got loan modification documents signed and returned along with the payment on XX/XX/23. I called XX/XX/XXXX to give XXXX payment for modification and they would not let me give a payment and told me to wait until the modification is 100 % approved. 
I continued to call 2 times per week to make sure it was accurate and each time I called they said it was correct dont pay it until the plan gets confirmed. 
I got a denial letter this morning for non payment of 1st plan agreement which is false as I wired the money and attached photo below. I called midland mortgage today and they said it must of been a mix up because they see the 1st payment and see the notes of workers telling me dont pay it until your loan is 100 % done.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  / XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an old medical debt where I was charged incorrectly at the hospital. The charges were disputed but sent to a collection agency. The collection agency attempted to collect but I refused the incorrect charges. The collection agency then kept the entire debt collection and multiplied it by fake selling it to other collection agency 's who ended up on my report. The other collection companies attempted to collect on the same exact debt thus multiplying the debt excessively and caused excessive damages to my XXXX XXXX. I contacted XXXX and XXXX to have the debt disputed and removed. XXXX understood my complaint and removed the debt that was violating the FCRA ( fair credit reporting act ) XXXX on the other hand has not responded to my disputes and every time I call them I end up talking to someone in XXXX who has no idea what is going on. I want XXXX penalized for continuing to report my score incorrectly for so long and I want that excessive debt removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( original creditor ) 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.