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

Hello, on XX/XX/22 I made a crypto currency transaction to a Coinbase merchant and the Coinbase merchant has turned out to be a fraudulent entity. I have submitted a ticket with Coinbase, attempted to call them and reached out to them on XXXX and XXXX and have receive no response from them at all indicating they are looking into the issue or have any intention or investigating the matter. 

The fraudulent company that received the payment is XXXX  : XXXX and they are unreachable as well since the payment to them. 

The transaction was for XXXX Ethereum which at the time was about {$20000.00} in cryptocurrency. 

I am seeking Coinbase to reimburse me for the amount of Cryptocurrency lost due to the fact that the fraudulent website was a Coinbase merchant and had they not been an authorized Coinbase merchant. There has to be responsibility on Coinbase for authorizing the fraudulent website to become a Coinbase merchant and further allowing the illusion of a legitimate website/organization.

The official manufacturer website for the product I thought I was buying has the fraudulent website listed as know scam on their website which I found after the attempt purchase. XXXX : XXXX ( red text section near the bottom has XXXX XXXX XXXX listed as a scam ) The Coinbase reference number is below as well as the transaction details Coinbase Commerce Reference # XXXX The XXXX Ethereum is a very large amount of money for myself and I desperately need to recover the funds, any assistant would be appreciated as Coinbase has been unreachable to this point. 

Please let me know if there are any questions or if anything else is needed from my end.
Product: Money transfer, virtual currency, or money service

I am failing 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 resolution 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: Checking or savings account

On XX/XX/2019, an unknown individual gain access to me and my sons joint account. This said individual then write a check for {$250.00} in his name and sent check to himself. On XX/XX/XXXX when my son went to use his bank card all his funds were gone. We immediately call TD bank and they help us change accounts and everything. We filled a dispute and had to wait 15 days. On XX/XX/XXXX I realized that they denied the claim, said I needed a police report. So I went to my local police station and filed a police report. Not to much they can do being this individual lived in South Carolina and we live in New Jersey. So I tool that to bank and refilled a police report. 15 days later was denied again. Fraud department later said I needed to try to file a police report in South Carolina, so I did. South Carolina police said this individual was a known criminal and they arrested him. I took TD bank that police report as well. Then fraud department said I needed an affidavit of fraudulent charges on my account that had to be notarized. Did that, now we into XXXX fighting with td about this money. In XX/XX/XXXX I filed my last dispute and was denied by them saying, hey we see that you didn't do this and this person did but there is nothing we can do for you because we don't know how he got into your account.
Product: Credit reporting or other personal consumer reports

Company is reported negative information on my credit report without providing debt validation per FCRA laws
Product: Credit reporting or other personal consumer reports

I am experiencing ongoing harassment with XXXX XXXX XXXX. This Agency is highly unprofessional and really sucks! I contacted XXXX at XXXX on XX/XX/year> from XXXX XXXX  to XXXX XXXX. I completed a through identity verification with XXXX Customer Support rep name XXXX XXXX or XXXX. The represented refused to update my address. The representative falsely accused me of not submitting a previous dispute on XX/XX/year>. I am very upset. I uploaded my recent pay stub and current XXXX  XXXX document that proves and displays my current resident address. 

XXXX SUCKS!! The agency does not follow Federal Regulations outlined for consumers. I'm really XXXX right now! I am not going to continue to repeat myself. Also, I have never placed a Security Freeze on any of my Credit Profiles. This is a lawsuit.
Product: Mortgage

XXXX the loan servicing company wrote me demanding I I break into XXXX separate tracts for the local taxing authorities real estate that I own, part of which is covered by their mortgage, and part which is not. I timely complied and notified them XX/XX/XXXX. XX/XX/XXXX, I received a Annual Escrow DIsclosure Statement dated XX/XX/XXXX which raised my monthly escrow payment, in part because they added in, for making their computations, the taxes on the tract not covered by their mortgage that they had made me break out the year before. I responded and objected in writing the address they provided on XX/XX/XXXX. I waited over a month for them to respond and received no response so called. They advised they had no record of having received my letter and so suggested I fax it which I did. I have followed up several times but have yet to receive any written response or actual sonfirmation although last month they abated the monthly escrow sum due in the normal monthly statement they send me. While not being sent now, Copies of both documents and fax with confirmation receipt are available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Subject : Dispute of Charged-Off Account Dear Sir/Madam, I am writing to formally dispute the charged-off account listed on my credit report under : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX I recently reviewed my credit report and noticed that this account is being reported as charged off which I believe is inaccurate and misleading. 

The Collections account listed on my credit report under : XXXX XXXX # XXXX I noticed that these are reporting as collection accounts which I believe is inaccurate and misleading as well. 

Also, The following inquires are reporting inaccurate without my knowledge : XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XX/XX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX I would like to bring to your attention the following points regarding this account : 1. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding these accounts is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely.

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution.

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it.

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX XXXXXXXX sent me a summons to appear in court for surge credit card which was in the amount of XXXX dollars I paid that off and it still shows on my credit report as a collection it was paid off in XX/XX/year> fix this please Im not sure who purchased it I think it was prime investments llc I think Im not positive but they can tell you
Product: Debt collection

XX/XX/2018 made contact with creditor that this account is not my and I have never requested such loan and was referred to make a complaint on line with the FTC and they do not want to take it off my credit report.
Product: Credit reporting or other personal consumer reports

Dispute Explanation for CFPB Outdated Charge-Off ( XXXX XXXX XXXX ) I am filing a formal dispute regarding an outdated charge-off account from XXXX XXXX XXXX, which is still being reported by TransUnion and XXXX beyond the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX XXXX Credit Bureaus Reporting : TransUnion XXXX XXXX Account Open Date : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX ( incorrectly being reported as active for too long ) Remarks : " Profit and Loss Write-off '' Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA, negative accounts such as charge-offs must be removed after seven ( 7 ) years from the Date of First Delinquency ( DOFD ) that led to the charge-off. 

The original delinquency likely occurred before XXXX, meaning the charge-off should have been removed no later than XXXX. 
The " last activity '' date is inaccurately listed as XX/XX/XXXX, which may suggest re-aging of the accountan illegal practice under the FCRA. 
I previously disputed this account, but it remains on my report despite exceeding the 7-year reporting limit.
Product: Debt collection

I received Rental assistance for the a few months. Its shown on the lease ledger that XXXX place received those payments. XXXX even gave our deposit back. If we still owed XXXX place then why didnt they keep our deposit? 

XXXX place sent a collection of {$2300.00} but received the payment from XXXX XXXX Rental assistance due to covid and me being unemployed. At this time I do not owe XXXX or XXXX debt collector anything. At the bottom of the lease ledger it shows the amount of {$2300.00} received from Rental assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have them remove fraud alert on my credit report but they are not respond. My used car messed up and i need to buy a newer card but to do that dealership need me to remove fraud alert on my credit report. I sent my documents on XX/XX/2020 to identification information as they request to Experian by certified Mail and they received on Tue XX/XX/2020, now more than one weeks and i can not contact them or hear anything from them, call them on phone but keep talking to machine and can't reach to speak with representative, keep hanging up my call, tried to upload my documents to them hope can get things faster but keep getting error " We have discarded any documents you were in the process of uploading ''. 
Phone call does not work, send by mail they are not respond or take any action, working online getting error. How i can fix my trouble with this company. 
I need a car to go to work but this delays is give me a big headache. 
This is unprofessional and i am a customer can not contact them. Wasting my time and money to go back and forth to fixing thing without any help.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that appears to be incorrect or doesnt belong to me.
Product: Credit card or prepaid card

I open a citi credit card and used it 2 time and thier fraud department froze the card. I called them 3 times and it went nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX.
Product: Credit card or prepaid card

I have been facing a series of challenges with your Capital One Venture card since opening the account in XXXX. Despite several attempts to receive the card, me and my authorized user had difficulty receiving it due to an incorrect address on file. Once I began using the card, my partner 's account was compromised, leading to the need for new checks, account numbers, and cards. In addition, I switched banks from XXXX to XXXX due to a lack of physical XXXX locations in your area. 

Unfortunately, Capital One then restricted all of my accounts with them due to an old account number saved for payments that had not been updated, causing payments to be returned. You attempted to provide documentation and proof of your current account, but Capital One required a statement within the last 90 days, which was not possible as your account had been closed, and you had opted for paperless billing. Despite notifying Capital One, they insisted that the only way to unrestrict your account was to provide the requested documentation. But they have no issues with taking my money from my updated account and still giving me no service. 

To make matters worse, my account has been subject to unauthorized fraudulent transactions that have reached their limit, and Im are still making monthly payments for these transactions. Even though it is still restricted. Capital One has refused to address the fraudulent transactions until your account is unrestricted, yet they have not provided any assistance in un restricting my account. Each time I have contacted them, Ive been referred to a special department that says they will send my account up for review and that they can't help me because my account is restricted, but it has been almost six months, and there has been no resolution. This situation is causing undue stress and affecting my mental health, and my credit score is being adversely affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy information be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Product: Checking or savings account

I called Wells Fargo on the morning of XX/XX/XXXX, after I woke up to numerous fraudulent transactions. 6 transactions of {$19.00} made on the night of the XXXX, one for {$49.00}, and 10 for {$99.00} all made between the night of the XXXX and early hours of the XXXX. I called and reported them when I woke up that morning and realized that my account had been compromised. I also asked why they had declined some of the charges and then let them go through without even sending me an alert for fraudulent transactions, since I have never made purchases in succession of this amount to my account. They stated that the funds would be back in my account as a provisional credit, within 2-10 days which they were not. The transactions were made through XXXXXXXX XXXX on XX/XX/XXXX and told them that my card had been used fraudulently without my consent and they told me if I reported it to my bank that the funds should be made available, but they had received no notice from Wells Fargo in the matter. I called Wells Fargo again on the XXXX and asked them about my claim and if they had contacted the merchant and I was told it was under investigation. Exactly 10 days after I made the report today on the XXXX of XXXX I received a notice saying that there was no fraud. This money was in my account for expenses to move. I have recently moved all my money out of the account and now they are sending notices asking if there is fraud but didn't do it while my account was being charged to the tune of nearly {$1200.00}. They also did not send me any information proof about any of the claims I made or what they had done just and email asking about a survey.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible
Product: Credit reporting

I HAVE BEEN DISPUTING WITH EQUIFAX OVER A UNAUTHORIZED/FRAUDULENT CREDIT INQUIRY FROM XXXX SINCE EARLY 2016 AND EVERYTIME THE SAME STORY, THE RESULTS ARE { FACTUAL } RECORD ON FILE. I 'VE LOST TRACK ON HOW MANY TIMES I 'VE DISPUTED THIS CREDITOR WITH THEM BY PHONE/FAX AND EMAIL AND NOTHING HAS BEEN DONE. XX/XX/2016 I SENT XXXX A LETTER MY SELF TO DISPUTE THE INQUIRY AND THE XXXX MAILED ME A LETTER CONFIRMING THAT THEIR INQUIRY WOULD BE REMOVED OFF MY CREDIT REPORT FROM EQUIFAX. I 'VE SENT IN THE LETTER FROM XXXX AND MY LETTER WITH THE PROPER DOCUMENTS AND THATS WHEN I RECEIVED THE NEWEST CREDIT REPORT BACK FROM EQUIFAX SAYING THAT THE INQUIRY IS FACTUAL!!!!! RECORD ON FILE.
Product: Credit card

I applied for a Value City Furniture card about a year ago as I was about ready to purchase a house. Some complication arose and I had to postpone my buy till next month. Now I contacted Synchrony twice to inquire when they would shut down the card due to inactivity. I spoke to XXXX csr on two separate occasions and was told 2 years and 18 months. Well about a year after the card was open, I get a credit alert that my card has been closed this weekend, and it has been nowhere near 2 years or even 18 months. I am infuriated as I thought I took measures for this not to happen, but due to XXXX csr who both gave me bad information, my card if now closed and I will have to figure out another way to buy furniture. I have already talked to more incompetent csr who say nothing can be done. If there is anything you can do I would appreciate it. I am just baffled as I took every step to make sure this did n't happen, but poor employee 's get my card shut down. The reason I asked was because I would have bought something small to keep the card open, which was why I asked on two separate occasions.
Product: Credit reporting

I would like it to be easier and less of a headache to change/add/subtract personal/important information having to do with my credit reports, credit information and possibly even my credit score! We are in the 21st century, the digital age, so why ca n't things be done digitally or possibly even maybe a little lower tech, and get it done over the phone??!!
Product: Debt collection

Company first started contacting me on Thursday with 3 no caller id numbers and 4 registered phone numbers ( 7 calls in one day ).

Friday I had 2 no caller id numbers and 2 from the same registered number ( totaling 4 calls that day ) Saturday I had two missed calls from the same registered phone number. 
Sunday by XXXX I have received one call from the same number. 
This means they have called me 14 times in the last XXXX XXXX days. 
Registered number calls come in from is ( XXXX ) XXXX
Product: Bank account or service

I am a XXXX year old student and a victim of a scam. Responding to myposting in XXXX a XXXX company relocating to XXXX contact-ed me with an XXXX position All communications tookplace by email and XXXX of them notified me that I was going to receivea cashiers check with which to open a checking account on my namewith {$4700.00}, and after leaving {$200.00} in the account for office suppliesI had to deposit the rest in a specific account at the XXXX XXXX XXXX XXXX 
I emailed the company photos of all transactions and was waiting tomeet my future boss on XXXX XXXX. The next call to the company wasin vain. They had vanished. On my mother 's advice I contacted theCitibank branch manager and the local police in order to protect myselfand others. I was shocked to learn that this was an old scam and thatI would face civil charges if not criminal ones.
Product: Credit card

Spoke with Citi bank about late fees that occurred due to Citibank taking me off autopay. When I spoke to the rep they advised me that my late fees would be refunded to me within 5-7 business days. After that no refund was given and I was told they were unable to refund the {$150.00} in fees that they originally promised. No reason was given for the company refusing to fix their error. They then proceeded to contact me from morning to night every day. In a month I estimated they called me nearly XXXX to XXXX times. Even after requesting that the harassment stop I was called. I have requested multiple times to speak to someone and have the harassment addressed and the main office continues to intentionally ignore my requests. I've since spoke with the XXXX and CITI continued to not even try to solve this issue and instead provided a generic message claiming they would reach out but never made an effort to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

California Business Bureau Inc. 
XXXX  XXXX XXXX XXXX, CA XXXX sent a letter dated XX/XX/2020 demanding payment for medical bills which were already paid and adjusted. We wrote then on XX/XX/2020 advising them of these facts in detail and and disputed the charges. We asked them to cease collection their activities and to obey Federal and California laws in this matter. Nevertheless, they went ahead and filed a negative credit report which has caused substantial financial damages. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX