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

We have deposited USD XXXX from bank to Coinbase and converted to crypto currency ( XXXX ). And transferred to some investment account ( XXXX ). We were not aware that XXXX XXXX was fraud/scam. Coinbase allowed our funds to transfer into XXXX wallet and also deducted fees. They suspend my account after all funds transferred to this scam account saying suspicious activity. If Coinbase was aware that XXXX was fraud or suspicious wallet, why they allowed to fall me into this scam to loss my money. I did 4 transactions as below. When I contacted to reverse my funds, they mentioned your account is suspended and didn't co-operate me. They have wallet details of the scammers. So they should refund my amount. 
Transaction from Coinbase wallet to XXXX wallet Transaction hash : XXXX 1 ) Date XXXX XX/XX/XXXX : {$1000.00} 2 ) Date XXXX XX/XX/XXXX : {$8000.00} 3 ) Date XXXX XX/XX/XXXX : {$5000.00} 4 ) Date XXXX XX/XX/XXXX : {$25000.00}
Product: Mortgage

In XXXX my mother was clinically diagnosed with XXXX XXXX, her drivers license was taken away and she became unable to care for herself. Immediately following this diagnosis, my mother became a victim of XXXX, fraud and identity theft. In XXXX XXXX XXXX of my sisters took advantage of my mothers illness and applied for a reverse mortgage through Wells Fargo Bank. 

In XXXX I filed an official police report on my mothers behalf. A warrant was issued for my sister, but she fled the State. My sister fled to another State, where she was eventually arrested, convicted and sentenced to federal prison for several financial related crimes that she committed in several other States. 
In XXXX I became my mothers court appointed conservator and guardian. For the past 3-years I have been cleaning up the mess that my sister and other siblings have caused. 

I have written Wells Fargo numerous letters regarding this case. They have not even considered my mothers illnesses, nor have they even bothered to investigate this matter on their end. I was able to receive a full copy of the original reverse mortgage application. The loan documents are a clear indication that my mother was confused and did not know what she was signing. This is evident by the fact that several times she signed her name wrong, signed her name in the wrong place, and or did not sign all of the required documents. 
In my opinion the notary and or loan officer should never have proceeded with the process.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged incorrect reporting activity but I have some ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous letter and report, & I am including it again here with a new FTC report # XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX MD 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 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 XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged incorrect reporting activity. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Student loan

I would like any fees incurred while Mohela fraudulently took over my student loan account to be removed. I was often deferred when I asked to lower my payments and that went on for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 someone tried to make an inquiry using my name and information. This was not authorized by me and was fraud. I had called the lender XXXX and the explain the situation they said there customer service team said they would kindly remove the hard inquiry since it was not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, 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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Miscellaneous Finance XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX5 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX credit reports equifax, XXXX, XXXX  shows I owe money to XXXX XXXX XXXX  opened on XX/XX/2019 for XXXX dollars.
Product: Checking or savings account

Went to access my online profile and found out my account had been blocked for no apparent reason. they told me to call them which I did and they just told me my account would remain blocked for no apparent reason. Fast forward a month to today XX/XX/year> and my account is still blocked with their still being no reason given for it.
Product: Credit card or prepaid card

I applied for the blue cash preferred card through American Express because new members would receive 1. ) the XXXX $ annual fee waived for the first year and 2. ) a bonus {$300.00} cash back after making {$3000.00} in purchases before XX/XX/2020. 
Neither promotional offers have been awarded to my account and upon phoning American Express was told neither applied to my account but he the phone banker couldnt or would not explain why.
Product: Credit card

In early XXXX of this year I transferred my account balance to XXXX. That transaction was completed on XX/XX/XXXX on my end. Before this account balance transfer I had {$83.00} in points that I was supposed to receive in the form of a check and never got. 

The account was not closed when the balance was transferred, shortly after fraudulent chargers were made to the account and my {$83.00} was applied to those charges. 

I have been on the phone with Ally 3 different times regarding this matter, the last case I was transferred to some special department where they indefinitely put me on hold while wasting XXXX minutes of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected rights to privacy and confidentiality under Account Name : XXXX, Account Name:XXXX, Account Name : XXXX, Account Name ; XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX, Account Name : XXXX, Account Name : XXXX : According to USC 1681e they have violated my rights to privacy and confidentiality sharing inaccurate information about XXXX XXXX XXXX XXXX bankruptcy on my account please delete according to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 


Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear DISCOVERBANK, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account number : XXXX
Product: Mortgage

XXXX ) On XXXX XX/XX/XXXX the lender took {$5500.00} from my escrow account and had the description as County Taxes. 

XXXX ) I didn't notice the discrepancy until XX/XX/XXXX when I was checking on my property 's tax balance and found out that the actual tax amount was only {$1000.00} and that it is actually still unpaid. 

XXXX ) I followed up immediately with the lender and after many email and call exchanges, I started getting responses that they confirmed with the county and county confirmed they paid it and it will update in a week or so. 

XXXX ) In a week or so I check and nothing is updated. I call the county and they confirm there has been no communication from my lender regarding my property. 

XXXX ) Realizing that I have consumed all reasonable routes with the lender and that if they do not fix it, the property tax will start accumulating interest and ultimately hurt my credit, I gave the lender a deadline. I gave the lender a final chance to do the right thing and pay the taxes or I will escalate and report them for financial fraud investigations. 

XXXX ) On XX/XX/XXXX the lender paid the due taxes plus the accumulated interest for a total of {$1000.00} which I confirmed on the county records that they received the payment on XX/XX/XXXX. However, the lender still did not refund the {$5500.00} they took from my escrow account on XX/XX/XXXX. 

XXXX ) I gave them sometime to adjust records and such and on XX/XX/XXXX, I following up again confirming that now I see my property taxes have been paid ( and they charged me another withdrawal for it from Escrow ) and asking them to make sure they refund the amount that they mistakenly withdrew earlier on XX/XX/XXXX from my account. 

XXXX ) On XX/XX/XXXX the lender responds to my message saying that my account is now short in the amount of {$5500.00} ( which they have wrongfully withdrawn from my account and do not know where they spent it ), and that I have insufficient funds to male all the necessary payments for property taxes and insurance. 

XXXX ) I followed up again on XX/XX/XXXX explaining the issue and again asking them to take care of it before XX/XX/XXXX or I will have to report them for financial fraud. 

XXXX ) On XXXX XX/XX/XXXX I received a message from the lender apologizing for the inconvenience and asking me to check back again on XX/XX/XXXX. 

Now it is XX/XX/XXXX, and I still have {$5500.00} that the lender took by mistake from my escrow account on XX/XX/XXXX and they are not showing any concern or real steps to refund it to date. 

Your help is highly appreciated,
Product: Credit card or prepaid card

I applied for a hotel branded card, online, serviced by Chase. The automated response from them was one of, they needed to do additional research. After a few days of not receiving a reply, I contacted Chase. I was told my request was not approved since I had opened up several new credit cards in recent years. This, in spite of a long-term relationship with Chase, with an exceptional credit rating, and large lines of credit with this financial institution. I received a letter several days later, reiterating Chase 's disapproval of my request. I then escalated to the executives offices. I was contacted by XXXX, who basically told me that they could not approve my request, for the same reason. The inflexibility shown by Chase puts me in a quandary. I want to cease doing business with them. However, if I cancel their cards, I will be penalized because the credit reporting agencies will crucify me, with drastic cuts to my credit scores. This, because of my cutting away, of large lines of credit. It appears that multiple credit inquiries can also stain your credit history. Why do I not have a protected option of killing off Chase 's products? Right now, my only recourse, is to replace those lines of credit with non-Chase resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an account through XXXX XXXX as open, even though it has been closed for XXXX  years. they are also reporting the date of first delinquency as XXXX of XXXX, when in fact it is XXXX of XXXX. I have confirmed with XXXX XXXX and they confirmed that the account is bother closed, and the date of first delinquency was in fact XXXX of XXXX this has been disputed with TransUnion XXXX times, and even though i provide evidence of my statements, they refuse to change it. they are inaccurately reporting my credit history which is a direct violation of the FCRA. Both XXXX and XXXX are reporting this account correctly, so I am unsure as to why TransUnion continues to inaccurately report. they have also clearly mishandled disputes
Product: Consumer Loan

I purchased furniture from XXXX using Acceptance Rentals as the leasing company. The furniture totaled approximately {$2400.00}, but without my knowledge or consent, a new lease account was added to my Equifax credit report by Acceptance Rentals showing a balance of {$5700.00} -- more than double the amount of the purchase price. I have paid approximately {$2000.00}, maybe more, for the furniture and realizing that I will pay more than double what the furniture is worth does n't seem fair, right, or legal.
Product: Mortgage

I started the process on XX/XX/20. My credit it was good. the appraisal came in where it needed to be. They asked for more documents. I gave it to them. Now they are asking for the same documents again. After doing an internet search, Newrez has a history of stringing people along.
Product: Checking or savings account

I opened an account with Citibank for their priority checking bonus offer and deposited {$75000.00} on XX/XX/23 and was expecting {$1000.00} bonus but haven't received it despite holding for more than the required 60 days. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A Mortgage held with Mr. Cooper includes escrow for property taxes and homeowner 's insurance. A check for {$3000.00} was sent on XX/XX/XXXX by Mr. Cooper via their tax service, XXXX, to XXXX XXXX XXXX to pay taxes. I followed up to make sure the payment was received. XXXX XXXX XXXX informed me on XX/XX/XXXX that they did not receive this payment. I called Mr. Cooper XX/XX/XXXX @ XXXXXXXX XXXX   and spoke to XXXX Emp. ID # XXXX ( number given to me upon request ) who informed me that she would check with the escrow dept. and I should call back in24 hours for an update. I called Mr. Coopper back XX/XX/XXXX @ XXXX XXXX  and spoke to XXXX Emp. ID # XXXX ( number given to me upon request ). XXXX informed me that Mr. Cooper has requested a copy of the cleared check from XXXX and I should call back in 3 business days. I called back XX/XX/XXXX @ XXXX XXXX and spoke to XXXX XXXX, who when asked for an employee ID #, told me that she didn't have one. She told me that the request would take 7-10 days. I explained that was unacceptable and asked to speak to someone that could escalate this request. After a lengthy hold and 3 attempts to get me off the line, I was finally greeted by XXXX XXXX in the Escalation Dept. XXXX told me she would escalate this request and would have an answer for me in 2 days at the maximum. She left me her direct # of ( XXXX XXXX XXXX. Two days later I received a message on my voice mail from XXXX in the escalation dept. she stated that XXXX XXXX did receive a payment for the taxes and that the issue was resolved. I then returned her call and told her the payment that was received by XXXX XXXX XXXX was the payment the title company sent, not the check Mr. Cooper sent, and asked her to continue the investigation and we would still need proof of payment. I called back and left messages every day for 3 days with no reply from XXXX. On XX/XX/XXXX I left her a message that if I didn't receive a reply then I would be filing a complaint with the CFPB. I still have yet to hear from XXXX. 

The reason this is so urgent is that the consumer is waiting on these funds to be applied so that we can refund the funds held in escrow to pay the taxes. The amount is {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Marcus by Goldman Sachs put an unauthorized inquiry on my report on XX/XX/XXXX the issued documentation on XX/XX/XXXX stating it would be removed but XXXX has failed to remove it so I am filing a complaint against both companies to have the inquiry immediately removed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Checking or savings account

I am submitting a formal complaint regarding Navy Federal Credit Union 's assessment of multiple overdraft fees on my account. Although I had sufficient funds at the time of transaction authorization, delayed posting of charges and credits resulted in unnecessary fees. This issue mirrors the CFPB 's recent findings against Navy Federal, highlighting similar unfair practices. I urge a thorough investigation into my account activity to address these concerns.