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

I 'm a user of cryptocurrency trading platform, Coinbase. I verified my account with my State ID card ( which the app and website confirmed ) and to this effect, I was granted increased buy/sell limits as well as a USD wallet. In fact, I was able to withdraw {$2000.00} from my XXXX XXXX account into my Coinbase USD Wallet. Prior this getting a USD wallet, I could purchase up to about {$2300.00} in cryptocurrency and now, I ca n't buy or sell any of my current cryptocurrency because it gives me an error about having to verify my SSN at XXXXXXXX. ( even though my State ID is verified and there 's no way I 'll get a State ID without SSN ). I have tried over 15 times to get that verified but to no avail. I terribly need the money or at least be able to make transactions on the platform and for about a month now, I ca n't do any of that.
Product: Checking or savings account

My name is XXXX XXXX I live in Florida back in XXXX 2024 I planned to go to North Carolina to visit my sister. In XXXX I paid for a car rental ahead of time on my XXXX card with XXXXXXXX XXXX XXXX but on the XXXX app. I thought that was it. I arrive in XXXX, North Carolina XX/XX/year>. Arrived at the car rental and they inform me its a {$500.00} hold with a debit card for insurance purposes and safety but I will receive my money back. I talked it down to {$420.00} because I didnt have {$500.00} in my account. I wasnt going to use to car much I just need to get to XXXX XXXX where my sister lives. I return the car XX/XX/year> in good condition. I talked to an employee to see when I can get my money back and she said it takes some time I dont remember much. But the first employee really informed me its just a hold. So I wait. I call XXXX Customer Service and they said the hold would be released by XXXX. My bank is good with returns & refunds so I wasnt stressed. But it turned into a week. A coworker told me to start a fraud cause so I did. i call Fifth Third Bank and told them what happened and they never opened the case. I called again to see about an update to find out the case wasnt opened so I started one then. Sent Fifth Third Bank the receipts of XXXX XXXX XXXX and the conversations with the employees. I received my funds back a month or so later. Then now XX/XX/XXXX they took the funds back out of my account and now Im in overdrafts fees. I dont know what to do and no one is listening
Product: Checking or savings account

My Chase account was closed due to fraudulent activities and it even got escalated to the executive level. Below are transactions that werent authorized by me .XXXX  XXXX. This isnt the first an incident like this happened with the same institution. I wasnt able to open a chase checking account because someone already had without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion, XXXX and XXXX Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I sent a dispute letter XX/XX/XXXXXXXX  disputing inaccurate accounts on my credit report. A few of the accounts in question are still reporting on my credit report. There are 3 accounts furnished from the creditor XXXX XXXX XXXX XXXX that does not report any account numbers. How is this account verified without that information? XXXX and XXXX have since removed these accounts. Also, the accounts were all paid and closed between XXXX  and XXXX  and should have been removed after payment per agreement with the creditor. The next account in question is XXXX. This account was closed in XXXX  and should have been removed from my credit report after 7 years. You are also reporting the wrong Date Last Active which is another FCRA violation. Please see the attached credit report and the dispute letter, which is dated, and time stamped for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONSXXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the XXXX District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX  XXXX XXXX, XXXX? XXXX and XXXX/XXXX  XXXX. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to sent {$700.00} to my friend through PayPal. However, after I completed the transaction, I found out it sent out as eCheck, instead of instantly transfer. So my friend cancelled the eCheck transaction right away, which was at a pending stage. I thought I did something wrong, so I repeated this transaction four times. Everyone of them showed up as eCheck and was cancelled right away at the pending stage. I was confused about the issue and contacted customer service. He told me that since I cancelled, nothing will happen. The reason of using eCheck is cause by my bank. So I contacted my bank, they suggested me wait another day. The next day, I tried twice and showed up as eCheck as well. I found strange and checked my bank account. 
All those transactions was PLACED on my bank account. Eventually, all those six eCheck transactions that I made and cancelled, are hitting my bank account. 
They do refund my transactions, but the problem is I was charged overdraft fees SIX times due to the eCheck transactions. 
I contacted the customer service and the supervisor. The supervisor XXXX said, in order to cancel eCheck, you have to contact the bank, which was my first time hear that. She also said I should let my bank waves the fee. How my bank supposed to know my cancellation activity on PayPal? 
I strongly believe that PayPal should be responsible for all my overdraft fees due to the following reasons : 1 ) On their Help Center Page or Terms, they didnt state sender needs to contact the bank to cancel eCheck even at pending stage ; https : //www.paypal.comXXXX XXXX https : //www.paypal.comXXXX  2 ) sender will not realize they are using eCheck until the transaction actual placed ; 3 ) When the cancellation happens, there is not warning or instruction for both sender and receiver that indicates official cancellation need to process through the bank. There are two transactions even pulled out from my bank account and become my PayPal balance. 
4 ) the last but not least, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different.

Additionally, when I contacted the customer service, 2 representatives just being silent, and said nothing but there is nothing we can do or pushed my to go my bank. They made me sound like someone being irrational and ridiculous. 

In conclusion, my issue was caused by PayPals terrible customer service, lack of information, and poor instruction. If they did something on any parts above, my situation may be avoided. So I think they should apologize and cover the overdraft fees from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts. 

1 ) Dept of ED/ XXXX  {$11000.00} 2 ) Dept of ED/ XXXX   {$6800.00} 3 ) Dept of ED/ XXXX  {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX XXXX
Product: Consumer Loan

Several years ago I got a line of credit loan with Wachovia.They have since bin bought out by Wells Fargo.Years ago I applied to increase the amount.I was denied because my home does not rest on a permanent foundation.I did n't argue due to the change of regulations with the stock market crash.I have recently acquired about changing the amount again.I was told they could not prevent me from filling out the application but the result would be the same.I find it aggravating that I spent my life paying bills and maintaining a good credit score ; only to be judged by my house not being on a permanent foundation.I told them I felt I was being discriminated against.They replied it was about equity.My house has bin paid off for several years and is worth more than I am asking for.I believe this is a one size fits all policy and is not fair to the individual.
Product: Debt collection

If I am I am 1 day late the creditor calls my house cell and job I have told them not to call my job because it is a personal call so they call my job ask for me to make sure I 'm there then hang up .I am not even behind by months only a few days .my job hours and the creditors hours are the same I have a day off n the week every other week then I go pay them but if it is 2 weeks after the due date that I get to go pay them they call me everyday with messages on my VM hang up calls at work and calls at home I could see if I had an outstanding balance but it is not only a few days late and the creditor knows that I get a day off in the week the day off vary I have XXXX messages on my cell in 21 days not including my house and job hang ups is the legal
Product: Debt collection

I had an auto account with XXXX XXXX XXXX that was sold to Jefferson capital and they offer me an settlement which I had paid successfully on XX/XX/2020of {$1200.00} and it was stated that within 30 days which it has been more than 30 days since XX/XX/2020they would request for a deletion from all my credit bureaus but they haven't completed their end of the word and I need that to be deleted off my reports and my husband report because he joint sign with me on this account
Product: Checking or savings account

I linked my bank account to my Robinhood account in XXXX of this year. I sent in XXXX dollars but my account was immediately locked. I was not told why, only that it was under investigation and asked me to send bank statements, social security card photos ( front and back, all XXXX corners showing ), and a selfie of me with my drivers license. 

Long story short : it has been over XXXX weeks and every time I speak to agents at robinhood they say they did not get the documents, and/or they are not in the right format and/or ask me to send more documents like my passport ( front and back ). Every time I call they ask for more documents that were not requested before, and yet they gaslight me and put the blame on me for supposedly not following directions or not getting back at them. 

During many of my calls they claim they can't find my records and say there have been numerous different case numbers created and hold me responsible for keeping track of all of them. They even had me take selfies with the computer camera after I had sent XXXX other selfies holding XXXX documents the first which they couldn't find and the second which they said was not sufficient but with no context. When I told them I just want my money back they told me they can not give it back because the account is under investigation, however they refuse to tell me why. 

Their customer service is rude, pathetically useless, and every time I call I feel like each agent handles the process in a completely new and different manner. They cut me off while I speak, and blame me for all the documents not being good enough. 

I am afraid for my Identity being stolen by these people, since they basically have everything about me. 

This feels like a scam and like my money is being held XXXX for them to do with it what they please. I have recently read tons of horror stories similar to mine and I really hope I do not become another statistic. I just want my money back.
Product: Student loan

I am currently at school and starting XXXXl school this fall. I work as a XXXX XXXX to sustain myself in the interim. Due to the COVID-19 outbreak, all of my hospital interpretation assignments got canceled. In light of the pandemic, I reached out to my private student loan issuer Sallie Mae to ask for forbearance. I have two loans with them. They did give me a substantial time, however XXXX! ), they refused to remove the interest rate which now stand@ 10.375 % and 10.875 %, respectively. Considering that the government has dropped the interest to ZERO, I deem Sallie Mae 's usurious interest gouging as unconscionable and un-American. You have the authority to investigate any such immoral behavior and I urge you to do it and advocate on behalf of the American people who are working tirelessly to put bread on a table and pay taxes. I don't know where to start about my frustration and am fully aware of the term " private '' loan, but to charge interest at such dire economic downturn is absurd. Please please stand up for us.
Product: Credit reporting or other personal consumer reports

XXXX was my credit report too was my account was locked and I could not get into it. It took over XXXX months for me to get it unlocked and my credit report and it to get me lose my mortgage on a rate financing for my Home I ended up after paying {$10000.00} more plus my credit my Interest rate went up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

XXXX XXXX Account ID : XXXX or XXXX ( please see attached screenshot that account number is different between 3 credit bureaus ) The date of the last activity for the account is different between all three Credit Reporting Agencies. After requesting investigation from the Original Furnisher and Credit Bureaus it stays same way different. That is giving me indication that it was never investigated by anyone. Please see Attached screenshot of this account in question. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my potential to obtain financing.
Product: Mortgage

My father in XXXX died in XX/XX/2022. My mother in law could no longer afford the payments so both parties ( her and me ) decided that I ( son in law and daughter ) would assume the XXXX XXXX. Per XXXX  guidelines it should have been an unrestrictive transfer due to death and take no more than 30 days. We have been trying to assume this loan since XXXX and it is almost XXXX now and the last email we received is they are reviewing the paperwork and will make a decision soon. Every time I call them that is what they say. They state they don't need anything from me. It has almost been 6 months. I am already living in the home and am making the payments on the loan but this company is not following loan and time guidelines. The company is XXXX XXXX. Loan number that I am trying to assume is XXXX. XXXX XXXX is on the loan ( Deed of Trust ) and my name is XXXX XXXX. I am 100 % XXXX veteran and they stated they are also trying to figure out if they can charge me a VA funding fee. Which Me and you already know they can't per VA guildelines since I am 10 % or more XXXX. I just need someone from your agency to give this lending institution a little push to do their jobs correctly. I am a retired XXXX and now am a XXXX XXXX  and XXXX XXXX for the state of XXXX. I can get a client approved for a loan and close on a home in XXXX XXXX. It shouldn't take XXXX  months to assume a loan. Thanks for your help in this matter. Semper Fi!