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

Case # XXXX On XX/XX/XXXX my Coinbase " XXXX '' wallet was " dusted. '' ( aka " Dusting Attack '' ) There was a unfamiliar cryptocurrency inside the " newly '' added application called the " dapp Wallet '' ( functionality added to supposedly give access to web XXXX crypto websites. ) After reporting and opening a case, coinbase has not only ignored my case for over 3 months, they've also refused to give access back to my " Trading Account. '' The terminology they've used is as follows : " Why the wait? We understand it may be frustrating to wait, but this is the fastest way to get back into your account. Contacting out customer support team could delay your account review by several weeks. '' The review of my account was supposed to end XXXX XXXX, XXXX. XXXX date is XX/XX/XXXX. I believe that coinbase is systematically involved in shutting out customers whom have large amounts of funds on their platforms. Using the funds to manipulate cryptocurrency prices, and then either " allowing '' certain customers access back, or " retaining '' the funds of others for extended periods of times. Not only to boost their stock prices but also to " boost '' the prices of cryptocurrency they offer. This is Fraud. This constitutes " Ponzi Scheme, '' even under the most basic interpretation of United States Tax Law Code. My losses to this company are the most I've experienced. Ever. Being locked out of over XXXX $ of my own personal funds, for months, constitutes theft and scam in my book. No explanation for their email support, and zero reply to my case 3 months after the promise of my account being restored. This also, as a note, happened almost 2 weeks after the XXXX collapse and theft of Billions of customer funds. It seems coinbase has taken a " slow burn, '' approach to the appropriation of customer funds instead of a " total collapse, '' as XXXX had. Its apparent to me, that coinbase is either mismanaging customer funds, as I'm apart of the group they've stolen from, if not directly, in part. However, even in part, this is against the law. My case is either being delayed on purpose, or in order to give the entity known as " Coinbase Inc. '' time to re-organize their holdings in order to better meet a legal case already being brought forth against them, or future such cases that will be, based on their already " suspicious, '' activity. That of which I've directly observed. My such case is on of XXXX other such cases ( that I know of ) that are quickly turning into legal action against " Coinbase XXXX '' XXXX Customer Support, XXXX Response from anyone representing coinbase. XXXX accountability by " The Worlds Number XXXX Cryptocurrency Trading Platform. '' I believe this to be fraud, theft/scam, and a Ponzi Scheme, if not on the world stage as I claim here, in part for my case. Which, is still illegal in any case. Whole, or part.
Product: Money transfer, virtual currency, or money service

Heres an updated version including a request for all lost funds to be returned : I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). On [ insert date ( s ) ], fraudulent transactions totaling [ insert amount ] were made from my account. Cash App failed to implement timely and effective measures to prevent or address this fraud, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process was both unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures caused significant financial loss, and I am requesting the full return of all funds lost due to these fraudulent transactions, as well as appropriate redress for the inconvenience caused.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$110000.00}
Product: Mortgage

I had hail damage to my residence and a rental property in XX/XX/XXXX. I notified my insurance agent at XXXX XXXX and proceeded with the claims process. I eventually submitted the insurance checks to Stearns to hold in escrow. Unfortunately they co-mingled the repair funds between the XXXX loans. I asked them repeatedly, verbally and in writing to stop mingling the funds and assign the proper repair funds to each loan. They never did. 

To make matters worse, they transferred the loan for my residence which had more repair funds than it should have assigned to my residence loan. Because of quality issues and significant delays on the part of the roofing contractor I used for XXXX properties, I held back some of the checks from the contractor and they expired. I have called and spoken with XXXX multiple times and also wrote letters requesting they reissue the checks as they had verbally said they would do on multiple occasions but never did until I submitted a complaint to the CFPB or threatened to do so. 

In my last letter to Stearns dated XX/XX/XXXX, I asked them to reissue XXXX checks, XXXX for {$14000.00} which they had designated as attached to the loan for my residence, their loan # XXXX, XXXX containing about {$3.00} of co-mingled funds ), and a check for {$240.00} for XXXX loan # XXXX. I eventually received a call from XXXX XXXX, of Loan Care who was doing the servicing for Stearns on XX/XX/XXXX. She said they had to wait on the funds from XXXX and we agreed she would call me weekly until I had the funds. She did not call me again. I called her at her direct number XXXX on XX/XX/XXXX. She did not answer so I left a message. She still has not returned my call. 

I eventually received a check from XXXX in the amount of {$14000.00} dated XX/XX/XXXX which I reposited on XX/XX/XXXX. I have yet to receive the other check in the amount of {$240.00} after multiple letters and phone calls.
Product: Checking or savings account

I was once a memeber of Navy Federal back in XXXX, I went out one night in XXXX, FL ( the biggest scam city ) and someone started depositing fake checks into my account and making transactions. I XXXX everything down like I was supposed to and contacted navy federal immediately. An investigation was open but no one ever reached out to me about my case I found out that my account was closed and that I would be left with the {$500.00} balance In order to get my bank account back. I have been reaching out to the bank for years and still nothing but I am responsible, I havent had a bank account since because Im too afraid and it seems like I cant get one. I also was able to request the fake checks they were sent to my house just to show as proof that this isnt my handwriting. Im XXXX XXXX XXXX and its sad to say but I dont even know how to write a check. I just want my bank account back.
Product: Checking or savings account

On XX/XX/29 3 fraudulent charges happened to my account. I then went to customer service to try and submit a claim about it. They have denied me this service and then they closed my account without permission. My direct deposit goes through this account and now I have no access to my paychecks. My job is going through a switch of services so I can not change my direct deposit. They should not have been able to close my account without my consent and they have not done anything about the fraudulent charges.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Equifax and XXXX and the list of accounts provided in attachments, have violated my consumer rights to privacy and confidentiality under 15 USC 1681. I the consumer has not given authorization, to furnish any private information. 15 USC 1681 ( FCRA Section 602 ) states that I have a right to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions. In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX, Equifax and XXXX ( Credit Reporting Agencies ) Have allowed several inquiries sharing my private information. Submitted with this complaint are the communications to the Credit Reporting Agencies opting out of any authority that may have been given. I have also included the reports from all XXXX agencies with inaccuracies and unpermitted inquiries. I have called all XXXX agencies and disputed inaccuracies and to have private information removed. The result of these issues has made it difficult to provide happiness for my family due to denial of goods and services due to unfair consumer reporting.
Product: Payday loan, title loan, or personal loan

I am active duty XXXX and while in boot camp was given forms to fill out for a checking, savings, and certificate of deposit ( easy-start certificate ) from Navy Federal Credit Union. I was not aware until after that I also signed to apply for a XXXX XXXX credit card and an XXXX XXXX Checking Line of Credit ( XXXXCLOC ). On this pay cycle, I made my transfers on my online banking, knowing I was getting paid that night. Per my meeting with a financial counselor, when my transfers posted, the Navy Fed systems didn't think I had enough money so it moved funds from my XXXXCLOC to checking, and then put my paycheck to full pay the XXXXCLOC, with the extra funds going to my checking. The problem is that I never knew I had the XXXXCLOC until this happened, and I don't want my entire paychecks going to pay something I didn't want to begin with.
Product: Vehicle loan or lease

My car was repossessed and the remaining balance is wrong. I had a trade in when I leased this vehicle. Which was valued at XXXX and my loan was for XXXX, now its showing XXXX on my report. They repossessed my car on XX/XX/2021. I also was unable to make payments on the car due to child support issues. They would not work with me.
Product: Debt collection

Received Email back in XXXX saying I owed a debt I electronically filed a dispute with them at XXXX as requested on the email they sent me. They failed to get back to me with the information that I requested as I have no knowledge of the debt. I have now learned that they have placed a collection record for the past 2 months with the credit bureaus. 

As I disputed this and they failed to provide me with any information whatsoever, they have no legal right to place that record on my credit reports and I requested that they remove them immediately. They have failed to acknowledge my emails confirming that the collection will be removed but did confirm that they will research the debt and get back to me. In the meantime, between their failed attempt to validate the debt back in XXXX, they illegally placed a collection on my credit report which I need removed immediately.
Product: Bank account or service

Navy Federal CU from XX/XX/2015 through now continues to take the stance that my checking account was ovedrawn by {$4000.00} as a result of returned ach deposits. This is 100 % not true. I have the documentation as well as statements from the other bank ( s ) involved that substantiate this. In addition, the issue was further exasperated by the fact that they blocked internet access to my account which meant I could not monitor the situation as it developed and that I did n't know that they cancelled my mortgage payment. 
In a prior response from NFCU they reference XXXX ach w/d. There were XXXX. Nonetheless, the issue comes down to this- Over the course of several months, I initiated XXXX ach payments, and I have proof that XXXX were paid from the other institutions. After diligent and painstaking research on my part, I have come to understand how NFCU made the mistake. When I made the payment on NF website, they would credit my account for it. If the other institutions said after that the payment was no good, they would remove that from my NF account which makes total sense. In several cases, the othe bank would retry the payment ( that originally was reported as no good to NF ) and successfully complete the transfer. When that happened it would be taken out of my other bank account yet NF would never give me credit in my account for that amount. Again, I did not realize this for quite some time since i was not able to log into the account. I assumed I was getting proper credit. 
To illustrate what I mean, please consider the following example- I have a balance in my NF account of {$2000.00}. I make a deposit on NF website for {$1000.00}. They credit me and my balance becomes {$3000.00}. A day or so later the other bank where the ach was being pulled from tells NF that the payment was not succesfull so NF takes that {$1000.00} from my balance and it goes back to {$2000.00}. Several times however, the other bank tried to send the money again to NF ( same request that they denied before ) and it was succesfull. In that case, Navy should credit my account back the {$1000.00} but they did n't for whatever reason. The net result my NF account was never credited back {$4000.00} from payments that were initially denied but then paid. Further, the was blocked and a mortgage payment cancelled unbeknownst to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accessed my credit report after being alerted by my employer for financial risk as my score declined. After reviewing report I noticed many inaccuracies & also incorrect inquiries such as XXXX XXXX XXXX XXXX when I receive a preapproval with my personal bank XXXX XXXX XXXX XXXX in XXXX prior to purchasing my only vehicle that has active loan. XXXX XXXX should never be on report. There are more issues which I have submitted a fraud report for as well. 

Please remove all hard, soft, and promotional inquiries as they were not approved or consented for. 

XXXX XXXX XXXX XXXX, dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX DISCLOSURE XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My previous loan servicer XXXX XXXX had sent me documents that they were transferring my mortgage to Rushmore Loan Management Services in XX/XX/2019. The transfer took affect on XX/XX/2019. I made my XXXX monthly mortgage payment on XX/XX/2019 to XXXX XXXX. It was an online payment.The documents that came from my new servicer, Rushmore said I had not made a mortgage payment in XXXX. XXXX improperly applied my entire payment to principle. I have been calling Rushmore and XXXX since early in XXXX to get this matter straightened out. Both companies keep telling me the other company has to correct the issue. XXXX told me numerous times they would handle the matter and would give me a call back. Each time they lied. Now they say they can not do anything about it. My loan is showing that I am behind every month and is reflecting negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen. I have multiple accounts and multiple addresses and phone numbers that are not mines!
Product: Debt collection

I owe a balance to  XXXX   XXXX , it took months to send payment because I usually wait until my insurance kicks in before paying. Well, I waited too long and the outstanding balance went to Receivables Management Systems  (   XXXX , VA company ), where they billed me {$40.00} fee. I paid the amount due to  XXXX   XXXX  ; however I do n't see how the {$40.00} is rightful ( or even lawful ) to charge. The {$40.00} collection fee was billed to me, so that means I 'm paying  XXXX  to collect from me? That does n't make sense. The {$40.00} should be charged to  XXXX   XXXX , since they hired  XXXX . Also,  XXXX  is billing interest. I did n't sign consent to be billed the fee or to collect interest. Who give  XXXX  the right to do ( and collect  )  anything they want? I did not sign this agreement with  XXXX .  <P/> The attached document is an old copy. The {$110.00} has been paid.
Product: Credit card or prepaid card

I opened a XXXX XXXX account for a new phone that I purchased. It just so happened that TD Bank was the credit company for them and Ive had nothing but a horrible experience as XXXX of their customers. It feels like since they are a third party for XXXX that they could care less about placing the customer first. I got on their payment platform and created my account to set up auto-pay like I do for ALL my other credit cards Ive used. Have had no issues with others except TD Bank decides that my checking account isnt valid for them to take payments even though it was entirely correct ( They can confirm with my credit union ). They started sending me several letters in the mail stating my payment wasnt being made and that I needed to pay. So I call them and explain the situation and none of their representatives offered any help at all. They had waived XXXX NSF charge for me but then the same issue kept happening where they werent taking my payments for auto-pay. So I complained more about these additional NSF and late charges they put on my account and they refused to offer any resolution. I decided since I was entirely done dealing with these people and this horrible credit company that Id pay my full balance and be done with them even though I had promotional interest. Well, I made my final payment and apparently they had payment issues so it took weeks for it to get fixed and then they simply reversed my payment and also sent me a check in the mail without notice. I cashed the check but then they reversed that too. At this point I was lost with what my account balance was or supposed to be and what I owed. They also refused to give any help or resolution the dozen times I called. So Im sure they have charged me a lot more than I actually owe them which is hard to tell based off how messed up my account is now. They also almost cost me losing out getting into my first home because I had paid them off but my payment was pending for so long it was hurting my debt to income and they refused to put a stop on the payment so my mortgage company could pay it off in closing. They literally put me through so much stress and frustration I was starting to have an anxiety attack and had leave work. Emotionally this has been awful. I just hope you can please provide a good resolution. I have all the dates for these charges listed below. 

XX/XX/XXXX Late charge assessment : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Check Charge : XXXX XX/XX/XXXX Late Charge Assessment : XXXX
Product: Money transfer, virtual currency, or money service

I was scammed outta my money and cash app didn't do anything to make it right.
Product: Credit reporting or other personal consumer reports

I am a natural person I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681.and they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}.
Product: Credit card

In XX/XX/XXXX, I opened a Citi XXXX XXXX account to take advantage of an offer allowing for an eighteen-month balance transfer with XXXX interest. My monthly payments were consistently due around the XXXX of each month, and were made on time. However, my son suffered a XXXX XXXX XXXX in XXXX, and with numerous medical appointments and XXXX visits, I unintentionally missed the payment due on XX/XX/XXXX. I promptly paid the bill, including all the late fees, on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from Citi notifying me of a substantial decrease in my credit limit, from {$8000.00} to {$2400.00}, citing " balances on revolving credit and low payments on one or more of your accounts with us '' as the reasons for the decrease. Interestingly enough, just a month prior, one of my other credit cards significantly increased my credit limit. 

I believe Citi 's decision to reduce my credit limit by more than {$5600.00} may have XXXX motivations, but it appears they are using the credit bureau as a cover. This explanation would be more acceptable if my credit score wasn't in the high XXXX hundreds and if I didn't have an impeccable payment history. I genuinely believe it's worth investigating whether Citi may be unfairly targeting a specific group of credit card holders. 

I made multiple attempts to contact the company to resolve this issue, but unfortunately, I haven't had any success.