23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I got ta notification from my XXXX XXXX app that a loan had just been reported under my credit history. I never applied for any loan. So I checked the credit karma app and I saw a loan of XXXX $ It was approved through money lion under my name, It was opened XX/XX/2021, I never applied for this loan and I only just found out about the money lion loan on XX/XX/XXXX when I checked my bank statement and I saw a transaction of XXXX $ and also XXXX $ from money lion. Thats how I found out a loan was active under my name. 
I have submitted a dispute through XXXX XXXX on XXXX XXXX. 
But I have also tried to call money lion company customer care but they dont help much.
Product: Checking or savings account

Back in XXXX I deposited a XXXX check into my checking account, the funds cleared. When I went to the branch to make a deposit I was told by the branch manager that my check was fraudulent and that I needed to return to my home branch where I opened my account to make any withdrawals, and then the branch manger stated you people always depositing fraudulent checks Referring to my race skin and ethnicity As of today it has been 30 days since my check has cleared and posted onto my account. The bank will not release my funds to me this is unfair
Product: Money transfer, virtual currency, or money service

I have been an active coinbase user for years. This past year I have made many transactions using XXXX XXXX, XXXX, XXXX XXXX all on XXXX account. On XXXX XXXX. made a small bitcoin transaction for {$50.00} ( my balance was XXXX ), and the day after the rest of my bitcoin was taken out of my account. In my transaction logs, it says this transaction is for " XXXX XXXX XXXX I did not receive any notification or email or text that this would happen, it just did, without notice. After contacting coinbase support multiple times, they gave me the same answer : XXXX XXXX happened when funds haven't been touched in XXXX years. I don't understand how this can be allowed when I have been ACTIVELY using my account, and the day before I made a XXXX transaction. I know this is a system error, but coinbase support has offered my no help. HUNDREDS of other people on reddit have this same issue, where Coinbase is draining their accounts, on the basis that the funds havent been touched in years, when in reality most of these cases involve active traders. This is seemingly a large issue but coinbase is trying to hide it, they are not giving any update about this issue, and they stole my money.
Product: Money transfer, virtual currency, or money service

Coinbase pro has a publicly traded ETF under the ticker COIN therefore I listed this complaint with the company not the ETF. 
On XX/XX/XXXX Coinbase pro listed the crypto currency gyen for trading. A day later gyen suffered a " glitch '' which did not allow for the proper minting of the coin which drove the price up rapidly. Coinbase pro was aware of this and did not halt the coins ability to trade immediately. 

After this glitch was fixed by the creators of the Gyen coin, Coinbase and Coinbase pro experienced an issue which no other exchange that was trading gyen coin did. Coinbase and Coinbase pro awarded certain accounts with 100 times the amount of coins they actually had purchased. This on top of the fixing the gyen  minting algorithm made the circulating supply go from 2.3B to 32B in just a few days. This totally devalued the price of gyen coin. It was after the total crash did Coinbase / Pro halt the currency. 

It is my understanding that people were able to capitalize on the glitch and sold 100 X coins they never paid for. So the liquidity of the coins value was given away and traded. It wasn't until days of Coinbase knowing that there problems that they actually halted the coin. Now coinbase pro and coinbase are holding peoples funds as they try and recover the money they gave away. It has been halted now since about XXXX CST on XX/XX/XXXX. Even though I never experience 100 times my coins my order history does not even reflect the amount of gyen coins I traded. This whole things feels like a scam. I know the SEC does not regulate crypto but you do regulate the ETF COIN that is based of Coinbase. I am very upset over this whole thing has Coinbase should have shut down traded the moment the coin failed to mint itself properly instead they waited for a bigger problem to arrise. 

To make matters force the exchange XXXX delisted the coin gyen  just days after release for almost the same issues. I did not know this until after the fact I bought in. 

Keep in mind this happened to 1000 's of people with millions of USD $ all while Coinbase charged fees to wreck their portfolio and remove the ability for people to transfer or withdraw their funds. That should be illegal and their ability to halt the coin sooner seems like a scam. 

I was in and out many times on this coin my Intial investment went from {$2600.00} down to {$800.00}. Meanwhile while my gyen coins were locked by Coinbase pro the value of them went down another 50 %. Currently Coinbase transaction history is so broken it can not even reflect the proper amount of coins I bought or sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Product: Debt collection

I sent a certified letter with return receipt to Credit Collection Services XX/XX/2024 for a validation of an alleged debt of XXXX. Credit Collection Services reported the account as " CLOSED '' with a Balance on XX/XX/2024 with XXXX but did notify XXXX or XXXX about the disputed Collection account which has not been properly validated. Credit Collection Services is using a tactic known as " Parking Debt '' on my consumer profile without delivering proper disclosures prior to furnishing data to the consumer reporting agencies. Collection activity has not ceased by this non public information being furnished to consumer reporting agencies, further damaging my ability to obtain credit.
Product: Payday loan, title loan, or personal loan

I did not apply for this loan, but the company, Mariner Finance, sent out " live '' check, that went cashed would be acceptance of the loan. I need cashed a check, but someone did. When I found out about this, I informed Mariner Finance. I filled out a police report and they were to investigate. But they put this on my credit with delinquent payments and now my credit score has went down. They were suppose to take this off my credit while they investigate, but they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote Experian in an attempt to correct the status on my paid off auto loan. Final payoff was made on XX/XX/2020. Experian has yet to correct the open status to closed on my XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$12000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting

XXXX XXXX, 2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Equifax, XXXX Dear Representative : On XXXX XXXX, 2016 I sent a certified letter via U.S. Postal Service, to XXXX, Equifax and XXXX regarding a debt which was claimed I owed to a company named XXXX at XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX XXXX XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX XXXX, 2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XXXX XXXX, 2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX XXXX XXXX.
Product: Mortgage

On XXXX/XXXX/2015 I refinance and paid-off my mortgage with LandHome Financial. My escrows impounds in amount of {$2500.00} has not been refunded to me. I called LandHome serveral times the past few weeks and was informed the was mailed, but no specifics were given. Please help me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce 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 5 financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On XX/XX/XXXXXXXX my wife and I hired XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, to dig a new water line and install new pipes in our property in XXXX, MO. The cost was over {$8000.00} so we paid half and XXXX XXXX said we could finance half through their company. It turns out the financing was through Synchrony Bank when XXXX XXXX texted paperwork to sign. We were told we would have 12 months to pay off the balance and there would be no interest charged on the account by XXXX XXXX and Synchrony bank credit. As of XX/XX/XXXX, I have never received a bill for the amount financed nor have I received any paperwork or copy of the agreement we signed by text. Synchrony Bank was contacted today and the amount of the balance increased from {$4300.00} to over {$4400.00} with no paperwork sent to explain the difference. Synchrony customer service stated a statement has been mailed XXXX but we have received nothing. I was told XXXX XXXX lied to us about the payment and no interest being charged if paid within 12 months. XXXX XXXX was contacted and stated on XX/XX/XXXX, they did not lie as XXXX XXXX told my wife and me what Synchrony Bank told them. Since we have received no paperwork, we have nothing to argue with either company on the financing agreement we signed. Synchrony is charging us interest but we do not know what rate we are being charged as no paperwork has been sent to us. We have been taken advantage of by Synchrony Bank but have no proof. I was sent a credit card only, no statement, no copy of any signed agreement on the balance financed. Do we not have a right to information on this financing?
Product: Mortgage

We were trying to refinance our house to get a lower rate, lower payment, and move over to a conventional loan from a FHA loan. We were quickly told to send our deposit of {$500.00} with the understating that our payment would be almost a {$100.00} dollars less and XXXX XXXX XXXX XXXX XXXX # XXXX at Quicken Loans XXXX NMLS # XXXX made it sound like it was a great deal. They originally thought that out house would appraise for {$110000.00} and that they could not get us into a conventional loan, once the appraisal came back for {$140000.00} higher than they anticipated they never re-evaluated for a conventional loan and were trying to force us into another FHA loan. I feel that they were very misleading in the numbers that they were giving us and hard to work with. When I reached out to them to get our deposit money back they refused, we only gave the deposit with the understanding that we were going to get a better deal than what we had. They had our closing cost at more than what we originally paid on the house. We would like to get our deposit of {$500.00} back and additional {$1000.00} due to lost wages and the XXXX that this caused on a state XXXX XXXX XXXX. XXXX had to take time off of work for the appraisal and all the times that he had to talk to XXXX XXXX XXXX XXXX XXXX # XXXX at Quicken Loans XXXX NMLS # XXXX and the time that it took to get the paperwork that they needed. Quicken Loans made us rush to do everything to make it seem like it was a good deal and then without letting us know would change numbers and not call to discuss anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

by law, under the FDCPA, a credit reporting agency must make sure, without a shadow of a doubt, that ALL information being reported is accurate and precise so that the consumer is being protected and provided for. my information is private and is NOT TO BE SHARED unless i consent to it!! In order for any consumer reporting agency or 3rd party debt collector to use ANY of my private information, they must have several things on file ( 1 ) MY WRITTEN CONSENT SIGNED AND DATED ( 2 ) AN SSA 89 FORM ( 3 ) THE CONSENT FOR RELEASE OF INFORMATION FORM and the DEED OF ASSIGNMENT, also the FULL ACCOUNTING FROM BEGINNING TO END OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE AND NOT SOME STATEMENTS OF ALL VITAL INFO. IDENTITY THEFT HAS BEEN COMMITTED AND FALSE REPORTING WITH MULTIPLE LAWFUL VIOLATIONS. just a few for complete clarity ; 15 usc 6801, 6802 and 6803. probably the most important statement in this correspondence is MY WRITTEN CONSENT and 15 usc 1681 ( c ) -2, IDENTITY THEFT. Everything pertaining to credit worthiness is centered around the Social Security Number, so in conclusion the Social Security Administration governs my information according to the 2 items i specified above and Congress governs ALL LAW
Product: Credit reporting or other personal consumer reports

I have been dealing with a situation for several months now. There are numerous inaccuracies in my credit report, and it has reached a point where legal action will be taken in the next few weeks. I filed for bankruptcy XXXX years ago, and according to the proceedings, everything was supposed to be removed after the XXXXyear mark. However, this has not been done. There are also inaccurate accounts being reported, and the credit agencies are claiming to have verified my bankruptcy with the courts, which is not accurate as courts do not verify such information. Additionally, they are falsely reporting that I am deceased, which has greatly affected my ability to obtain credit. I have made multiple attempts to rectify these issues, and if they are not resolved within the next XXXX weeks, I will be filing lawsuits against XXXX XXXX, Equifax, and the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX Legal department Formal Dispute of Fraudulent Accounts Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Dear Experian, I only have One Name : XXXX XXXX XXXX XXXX Only ) One Address : XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX XXXX Only ) Any other PII that differs from this information is fraud. Please Remove Any other name or address from my FICO consumer credit profile.

I am writing to formally dispute the presence of four fraudulent accounts on my FICO credit report, which are inaccurately reported by Experian. As a victim of identity t
heft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). To substantiate my claim, I have enclosed an FTC Identity Theft Affidavit along with other supporting documents. 

The fraudulent accounts that I do not recognize are as follows : XXXX. XXXX XXXX XXXX XXXX : Personal credit card opened on XX/XX/XXXX, account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX : XXXX loan opened on XX/XX/XXXX, account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX : Credit card opened on XX/XX/XXXX, account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX : Personal credit card opened on XX/XX/XXXX, account # XXXX. 

These fraudulent accounts have led to inaccurate and damaging collection entries on my credit report, which do not belong to me. 

My Demands Under the FCRA and FDCPA 1. Immediate Removal of Fraudulent Accounts : I demand the permanent removal of the above-listed accounts from my credit report.

2. Cessation of Collection Activities : All collection activity related to these fraudulent accounts must cease immediately, as these debts are not valid.

3. Blocking of Fraudulent Information : In accordance with FCRA section 605B, ( 15 U.S.C. 1681c-2 ), I request that Experian block this fraudulent information from my Credit Report within Four ( 4 ) Business Days of receiving this letter.

Experian Legal Obligations I previously disputed these fraudulent accounts on XX/XX/XXXX and again on XX/XX/XXXX, but you failed to respond within the 30-day investigation period as required by law. Your continued inaction violates the FCRA and demonstrates non-compliance. Under the Doctrine of Estoppel by Silence, your failure to address my disputes may be interpreted as an inability to validate these accounts. 

Additionally, Experian has not provided any evidence, such as Original Purchase Agreements, proving these debts are legitimately attributed to me. 

Enclosed Supporting Documentation To assist in your investigation, I have included : A copy of my FTC Identity Theft Affidavit. 
A copy of my government-issued ID. 
A copy of my proof of address. 
A copy of my social security. 

Failure to act promptly and comply with the FCRA will leave me no choice but to escalate this matter further. Please note that I am aware the CFPB is actively litigating similar violations, and I reserve the right to join such actions should your non-compliance persist. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

DITECH FINANCIAL LLC still send me a debt collection when this property is already paid.
Product: Checking or savings account

On XX/XX/XXXX I made a {$2000.00} check deposit. BOA put a hold on my deposit until XX/XX/XXXX. I have verified that BOA took the money out of XXXX XXXX  on XX/XX/XXXX. Why do I have to wait 7 business days for a check that BOA have already received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with PenFed in XXXX of this year. There was a check cut and issued to me, I received it in XXXX and attempted to deposit it to my bank, but there was a problem doing so. I contacted PenFed and told them the check wasn't working. They agreed to cut me another check and sent it out. 

What they didn't do, I have now been told by their own personnel, was cancel the previous check. As a result, my loan was still dated as starting in XXXX. Before I even had received a working check, I got a call from them telling me I had missed a payment on this loan. I explained what happened to the person on the phone, who told me to not worry about it and everything was fine, I didn't owe a payment at this time. 

Fast forward to when I finally receive a working check in XXXX and deposit it, I now get a call from PenFed claiming I've missed TWO payments on the loan, and my credit reports now showed two late payments as well. I asked why this was the case when I didn't even receive a check to deposit until a couple of days prior. My loan shouldn't have started until that point. I was told by the person on the phone that their personnel who I had reported the bad check to had failed to cancel the previous check, so my loan was still dated in XXXX, and I owed the payments stated, and there was nothing they could do since I already deposited the check ( otherwise I likely would have simply canceled the loan ). 

I paid the account up to current, and they told me to file a report with the credit bureaus to fix my credit score. I did so, and XXXX came back to me telling me that PenFed had reported the late account and missed payments as accurate, when that is absolutely not what we discussed on the phone. I called them back and they told me to submit my credit reports to their credit repair department, which I did, but it has resulted in no change. They informed me I would receive an email once they've reviewed my documents, and I also have not received that yet. 

After a bunch of fighting, XXXX finally removed the late payments, but none of the following payments show as on-time, even though I have consistently made every payment on-time since I received the check in XXXX. XXXX, after 3 disputes, is still showing the late payments as accurate. 

I was trying to buy a house within the next year, but now I can't because my credit is destroyed. I've lost 100 points off my score because of this company 's negligence and poor handling, and they've refused to do anything to help me make it better. 

I have reported the lender to the XXXX XXXX XXXX as well, but they have yet to respond to their inquiry.
Product: Credit card or prepaid card

I have two accounts with Synchrony Bank for credit cards with Banana Republic and Belk Department Store. In XX/XX/XXXX, both of these accounts were paid in full and I have not received any further correspondence from the " Bank '' since these payments were made until XX/XX/XXXX. I received 2 letters ( 1 for each account ) stating my accounts have been closed due to " serious delinquency '' and such has been reported to XXXX. I tried speaking with a representative with the bank to discuss this reporting and they refused to assist me. I contacted XXXX and they agreed to open a dispute but informed me that most likely nothing would come out of the dispute. I feel that I am being punished for a delinquency that happened more than a year ago and on accounts that have been paid off for nearly a year. I can understand reporting delinquency if it has recently occurred or is still occurring but not on accounts that have XXXX balances since XX/XX/XXXX. I also believe that this type of incorrect reporting could pose a problem receiving future credit and could impede on my ability to seek employment in the financial industry, for which I am currently applying.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB Findings against navy federal for similar practices where transactions settled with insufficient balances, despite initially available funds I believe these practices are unfair and request an investigation into my account transactions.