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

On XX/XX/2023 I called Coinbase support because I had purchased XXXX token and value was not in my coinbase wallet. Tech support helped me find some of my XXXX tokens. This is where things got weird. I had been holding onto XXXX XXXX tokens since they showed up in my coinbase wallet. I just assumed it was an airdrop or was sent to my wallet but I cant find the transaction Hash. So I just left them in my wallet. Well during my tech support call with Coinbase, Coinbase told me to delete and redownload the app. Which I did. They also told me to renter my XXXX word Seed phrase which I did. But when I was logged into coinbase wallet. My XXXX tokens had Vanished. I hope my call to coinbase wasnt spoofed with is a hacking thing. But if I wasnt spoofed and someone didnt steal my funds. Then during my call with coinbase they stole my tokens. Its been very stressful loosing my tokens. Which at the time was only a {$2000.00} value but for holding them for so long why did the fund disappear. I think coinbase took my tokens because of a weird guess is. Is your holding XXXX it should be at a higher value and I was gifted those tokens or airdropped. Coinbase doesnt want to believe that those tokens are worth more and have not been honoring the value of these tokens. So they stool them. But I will not stop till this situation has been resolved. They keep closing my case # XXXX trying to say I didnt have the funds because I dont have a ether scan hash to search my value but its because I never swapped or moved or sold those tokens in my wallet. I believe the fraud my tokens. Im going up against a firm that can edit and change info so its going to be hard but I have been saving screen shots of my investment since I began with XXXX investing and I would like them to return my funds back into my wallet! This isnt fair to the investor. And I hope I wasnt spoofed and my funds was stolen by a hacker. I would like to believe coin is just holding onto my fund till after do kwons court with XXXX token but XXXX not sure. Thank you for your help on resolving this matter with Coinbase stealing my funds
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Mortgage

Acra lending repeatedly ignored requests for updates on funding as well as cash to close and other disclosures repeatedly asked for. I felt they labeled my loan a commercial loan for an Investment property when it so they would not have to be following RESPA/TILA. they did not advise cash to close or other disclosures until just minutes before closing, demolishing any chance I had to negotiate or discuss closing costs, as well as concerns that I could be using all Of my savings for a deal they seemingly looked to sabotage. They delayed the process and the company who brokered it even had discussed banning their service nationwide. The title company could not get clear answers and repeatedly voiced their displeasure on how difficult they were to deal with. They are sticking me with a pre payment penalty loan. I was originally okay with this but given their repeated shady practices and lack of disclosure or estimates throughout, I fear for my financial well being with this company. They are attempting to lock me in to this company and I nearly lost the home due to their repeated failure of disclosures from underwriting or to my loan manager. I do not feel comfortable and tried to back out of the loan, but due to their bad faith and delays, I was unable to have other options without losing the home. I understand it is a commercial loan in their eyes but it was not described as this and the only response and urgency I had from XXXX and his supervisor XXXX was when I brought up a CFPB complaint ( I only spoke with XXXX and felt brushed off on my concern ), showing they were only looking to avoid issues for themselves, with complete disregard to our requests for basic information regarding the loan. I fear the pre payment penalty is intentional since they have shown a poor ability to run smoothly or to answer concerns/ get documents in a timely manner. I see many reviews of their company ( after beginning issues arose I dug deeper into them ) and see repeated issues of delays, lack of information, and a genuine distrust on how they handle themselves as a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Transunion. After months of calling, leaving messages, and agents tellng me that Manager will call me from XX/XX/2022, todate I have not received any calls from Transunion to resovle this matter. 
Because of Transunions MISTAKE IN INCORRECTLY REPORTING AN ACCOUNT WHICH SHOULD HAVE NOT BEEN ON MY CREDIT REPORT, MY CREDIT SCORE DECREASED BY XXXX POINTS. JUST LAST MONTH ( DECEMEBER 2022 ) TRANSUNION REMOVED THIS ACCOUNT FROM MY CREDIT FILE, THOUGH ITS REMOVED, MY CREDIT SCORE POINTS HAVE NOT BEEN RESTORED. 
TRANSUNIONS NEGLIGENCE AND IGNORANCE CAUSED ME A LOT OF FINANCIAL, HOUSING, SUFFER EMOTIONAL DISTRESS. 
TRANSUNION REPORTED FALSELY TO DOJ AS WELL, AND TO DATE HAVE NOT FIXED MY CREDIT SCORES.
Product: Credit card or prepaid card

My cash app account Visa card was hacked and funds taken. Tried contacting Cash App but they don't have live customer service to speak with. It only communicates by email and the email is generic and no response or days later and again generic reply and nothing happens.
Product: Credit card or prepaid card

Someone opened a Marcus by Goldman Sachs Credit Card for XXXX XXXX XXXX using my Middle name as my first name and all other stolen information. 
On or about XX/XX/XXXX I began receiving emails about me getting my new credit card soon. I didn't pay much attention because I assumed it was some kind of advertisement and/or scam email? 
I kept getting emails about approval of card and my credit limit. That's when I checked with XXXX XXXX to see if anything was on my credit reports. Sure enough, there it was. 
I contacted the credit card company directly on or about XX/XX/XXXX? I explained to them the situation and they went ahead and restricted the card. About that time I even received a gift from the Jewelry Store, which I immediately returned. 
I was told that they would investigate the situation and get back to me with 10 days ... which they never did. 
After receiving a " billing statement '' in the mail from CC company I called them again and discovered that they did not do anything except put a freeze on the CC. This was on XX/XX/XXXX. I gave them all the info over again and they said they would resolve within 10 days. At this time they also informed me of other attempts to use my info for other CC, s. 
Now I see that the balance due was reported to the credit bureaus and my scores have dropped XXXX points. Previous to this I did place a restriction on any credit inquiries for all 3 credit bureas shortly after my first discussion with CC company back in late XX/XX/XXXX. They told me to also contact you as well but I did not up until now after seeing what is happening with my credit scores? 
Please help me with the situation..? 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Here is the list of account that I wanted to remove. 
XXXX XXXX XXXX Balance : {$850.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Porsche financial SRVC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Porsche financial srvc, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the months of XXXX through XXXX and identified the debt as charge off debt of XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Debt collection

Beginning in XX/XX/XXXX, we were the victims of a security breach of our checking accounts at XXXXXXXX XXXX  as a result of a security failure at the bank and resulting identity theft. ( This is the subject of a separate CFPB complaint # XXXX ). A bogus check was written for {$50.00} and XXXX assured us they would clear up the matter -- no need for us to pay. XXXX didn't fulfill their responsibility, the debt was turned over to TRS Recovery Services who began hounding us with collection phone calls. We've spent hours on the phone ( mostly on hold ) over several instances over several months trying to get the matter resolved, but TRS insisted on sending us multi-page forms to complete. Their Tracking # is XXXX. We did, but we also requesting that they contact a specific XXXX XXXX who could assure them we were not at fault. As recently asXXXX, I received a TRS collection call from their employee XXXX XXXX XXXX who insisted they had not received our completed forms but did acknowledge my XX/XX/XXXX and XXXX letters ( and attachments ) to them were in their file. These letters to XXXX XXXX at TRS confirmed the street address, phone number and email associated with the bad check did not belong to us. Once again, XXXX XXXX steadfastly refused to contact XXXXXXXX XXXX insisting that I contact the bank and have them contact TRS ( which I did immediately in an email to XXXX in their Client Advocacy Department ). I concluded the call by insisting that we stop receiving harassing phone call ( XXXX XXXX agreed ) and informed XXXX XXXX I would file a CFPB complaint.
Product: Credit reporting or other personal consumer reports

After 2 years and what now appears to be a federal lawsuit company has still failed to investigate and resolve consumers credit issues. XXXX XXXX XXXX Is a fraudulent account and has been removed from all other agencies yet this company fails to comply with other reports as well as CFPB request. Attached you see a clean credit report as well as the deletion for XXXX XXXX XXXX  as verification that company has maliciously reported date inaccurately in the past on numerous occasions. FCRA Standard that have been ignored state the account must be deleted immediately.
Product: Credit reporting or other personal consumer reports

This company is reporting unauthorized unknown unverified accounts to my credit report
Product: Credit card

chase bank ran hard credit inquiry without permission on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, am demanding these accounts to be removed from all credit reports per 15 USC 1681c-1 : XXXX XXXX XXXXXX/XX/XXXX Total fraudulent amount : {$3100.00} XXXX XXXX XX/XX/XXXX Total fraudulent amount : {$4800.00} XXXX XXXXXXXX XX/XX/XXXX Total fraudulent amount : {$2100.00} I am disputing these accounts per 15 USC 1681b ( a ) ( 2 ). After reviewing my accounts, it shows accounts that I question. In accordance with my rights under the Fair Debt Collections Practices Act, I am disputing these accounts and requestions VALIDATION that there is proof of debt. I am demanding the removal of these accounts immediately.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide bank statements or documentary evidence to prove I was late or update these accounts to paid as agreed.
Product: Checking or savings account

My issues with USAA started on XX/XX/18 when I initiated a fraud claim. After supplying overwhelming documentation, USAA saw fit to deny my claim, putting me out of a significant amount of money. To further compound issues, my XXXX token is being held hostage by USAA. My accounts were placed in a deposit only status that is preventing me from unregistering my phone number so that I can use XXXX with another financial institution. USAAs response was, just use your email address. I dont consider that helping the client, thats just poor customer service at its finest. 

Moreover, my account was debited the full of amount of the fraudulent actively putting me out a significant sum of money. USAA took ONE business day to conclude their investigation. USAAs sole reason for denying the claim is due to alleged activity on the USAA mobile app while the reported fraud was occurring. They refuse to provide proof of this allegation. I can say, without a doubt, that my USAA app was not used during this time. I would have blocked my card and reported it sooner. 

I, admittedly, make use of the USAA widget on my XXXX. This widget provides up-to-date balance information at a glance. It doesnt take a computer scientist to know that some BACKGROUND processes are running in order for it to accurately provide this information. USAA was unwilling to tell me if this widget utilizes the quick login function to provide balance information, which again, is why they denied my claim. 

To add further insult to injury, the analyst assigned to my case was downright awful. I was verbally accosted and interrogated about transactions not germane to the issue at hand. His line of question was not only inappropriate, but phrased in a way that creates confusion. It was then USAA determined I changed my story. I did not. 

Its not all bad, though. I did have the opportunity to speak with people who genuinely cared. In conclusion, USAA does NOT protect the cooperative and denies claims based on baseless information. 

I challenge USAA to check my login activity as of todays date ( XX/XX/XXXX ) for the past 7 days. Does it show that I accessed the USAA mobile app? I am attaching my Screen Time activity to show that I have NOT used the USAA mobile app in the past 7 days - since this incident, honestly. Since this seems to be why my claim was denied, youll see how flawed that methodology is in which case I feel I a due a credit and an apology. 

Once a happy, longtime USAA member, I urge anyone reading to reconsider doing business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,
Product: Checking or savings account

Marcus by Goldman Sachs refuse to wire my money back after account closure through a three way verified account. 
The account number is XXXX The Date of transfer is XX/XX/2023 Now 4 month after the date I still havent got my money back
Product: Money transfer, virtual currency, or money service

I contacted them, because I authorized a transaction into my bank account through XXXX. XXXX mistakenly sent the money to a different bank not associated with my account. I contacted this bank and they basically told me they couldnt help me because the money was sent into one of their customers accounts. They then proceeded to tell me that Id have to reach out to said customer. I asked them how I could do that and they told me they legally can not disclose any information and they couldnt help me with anything. I dont know how Im supposed to get MY money back from them when they are refusing to help me nor do I understand that they know the money was sent into an account but are telling me they dont know who and cant help me find out.
Product: Checking or savings account

On XXXX XXXX I had a cashier 's check mailed to me and I went to my PNC Bank to cash the check. They cashed it. The check amount was {$1300.00} to go towards a XXXX XXXX XXXX I was selling. {$300.00} of that was for my XXXX XXXX XXXX and the rest was to be transfer from XXXX to XXXX. The man that sent the check was named XXXX XXXX. The transfer was to go to an XXXX XXXX, XXXX TX XXXX. On XXXX XXXX XXXX XXXX XXXX sent another Check in the amount of {$1600.00}, he stated the check was not enough for the movers to come get the bed. Now this check was shipped XXXX witha different name ( XXXX XXXX ) So I went to my XXXX XXXX to cash that one and the same teller that deposited the last check was doing what she needed on the computer and then she said hold on for a moment please. She went and whispered to another teller and then came back and said I can not cash for you, she stated I could go to XXXX XXXX XXXX where the check is issued from. This bank teller never told me my account was empty? in the red! So while I 'm almost out the door one of the rep 's stop me and I told her what 's going on and then left. Well she checked my account and called me. My account was wiped clean. She stated the check never should have gone through because it was a cashier 's check and they have to be signed, not stamped like this was. So, I went to the police, filed a complaint with the XXXX Nj Police. I then proceeded to call a supervisor of PNC, gave her all the info. Her name is XXXX XXXX XXXX. She got back to me and said the bank can not help me. I have no Christmas with my Family now. I am unable to do my food shopping for the month. I live on XXXX. The bank wants me to pay all the money in the red {$1100.00}. How can I? We are supposed to be able to trust our Financial Institute to keep our money safe. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

I worked at XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX, under XXXX XXXX XXXX . I enrolled in the 401K program to start in XX/XX/XXXX. Authorizing Wells Fargo to take {$100.00} every two weeks out of my pay check to go into my 401K account. 

I left the company ( XXXX XXXX XXXX ) in XX/XX/XXXX just prior to the hospital moving to another location under the name XXXX XXXX XXXX XXXX XXXX Texas. I spoke with a Wells Fargo representative regarding my 401K, and was told " no need to transfer or take my money out, it could stay in Wells Fargo account and grow Intrest ''. 

Recently I opened an account with Wells Fargo and my Social Security number, date of birth, old address was already in their account for me. At that time I asked the representative what was my 401K amount now? She reported I had a {$00.00} balance. 

I notified The XXXX XXXX, who reffered me to XXXX XXXX the benifit administrator for XXXX. Since XX/XX/XXXX I have constantly spoken with different reprsentatives from Wells Fargo, each one promising to take care of the issue. 

Still no resolution for the {$6400.00} plus interest I placed in this account. In addition, I was told " Wells Fargo only go back for 7 years '' One representative saying to me " its been so long I don't know where the money went, with no activity, it probably just went back to Wells Fargo ''. My homestead burned down in XX/XX/XXXX where all my business information, college diploma, and other information was destroyed. Still the XXXX should have old check stubs, as should Wells Fargo regarding an employees information an transactions regarding our accounts.
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX and tranunion credit reports and noticed there were unauthorized/fraudulent inquires on each report ranging from XXXX has 7 XXXX has 10 .Transunion has 5 , under the fcra guidelines each fraudulent inquires should be removed immediately. I am furnishing the inquires in the order of XXXX, XXXX, then transunion
Product: Debt collection

When living in Arizona, I had several accounts with XXXX XXXX. Throughout my relationship with XXXX XXXX, I found XXXX XXXX to be difficult and eventually realized they were deceptive and fraudulent. I received invoices from them long after the accounts were closed ( XXXX, 2018 ), which I paid, trying to end my relationship with XXXX XXXX. Eventually I received a collections notice which I successfully disputed. When I received notices to join in a Class Action Lawsuit against XXXX XXXX  for exactly the tactics that XXXX XXXX had been using against me, I joined. I received XXXX settlement checks for this lawsuit. I am attaching copies of the settlement checks. 

Now I have received yet another collection letter ( attached ) from Afni regarding an alleged debt owed to XXXX XXXX. I do not owe any money to XXXX XXXX. 

Unfortunately, after the initial dispute had been settled for XXXX years, I shredded the documents. 

From research on this issue, it appears that this collection attempt may constitute mail fraud. 

It appears to me that this tactic by XXXX XXXX of trying to collect on non-existent debts is going to continue forever.
Product: Credit reporting

XXXX Bank lowered my credit limit supposedly by something submitted by Equifax submitted or was part of my credit report. When I went online where they said I should go for a free credit report since I 'm obligated to XXXX with my limit being decreased, they would n't let me see anything online, instead they told me that I needed to submit a copy of my driver 's license and a copy of my social security card in the mail. EXCUSE ME - THAT IS NOT SAFE!!!! I should have a right to see this online through their sight and be able to dispute anything right then and there. I 'm tired of this being a crutch for everyone to use when I have been paying my bills on time. XXXX Bank stole from me and Equifax submitted the report and yet NO ONE GIVES ME THE PROPER BACK UP!!!
Product: Credit card or prepaid card

Bank of America did not process my dispute properly. I sent them numerous documents in support of my claim, and they dismissed it on the basis that I had not provided " a receipt '' for the transaction. I told them there was no receipt issued. It was a salon that does not issue paper receipts. They only run the charge through a machine. My hair was damaged by a salon service and I asked for my money to be refunded. I provided an expert statement about the condition of my hair. I provided a statement from a coworker who gave an opinion of how damaged my hair is, and I sent photos of how the merchant stained my hair XXXX through their negligent application of the salon products. They never considered my supporting documents.