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

(1) I created a new account at Coinbase.com (2) I linked my XXXX XXXX account to my Coinbase account (3) I transferred XXXX Bitcoin ($XXXX USD) to my Coinbase account from another Bitcoin wallet - this transfer was enabled because Coinbase provided the wallet address to which I could send it (4) After my transfer was made, I could not sell or even transfer my bitcoin balance because my identity was not verified by their system and their identity verification system was/is not working - my funds were held captive and I could not and still can not do anything (5) I contacted Coinbase support two weeks ago (XX/XX/XXXX), I received notification that my request had been submitted but they have still not responded to the issueObviously I should not have been allowed to transfer money to my account (ie Coinbase should not have provided me a receiving address) without being notified up-front that it will be locked there until my identity has been verified - and their identity verification system is not working
Product: Credit card or prepaid card

There were a number of fraudulent charges made on my account back in XX/XX/XXXX, totaling around {$1500.00}, I do not remember the exact amount since it has been so long. I reported the charges and opened a dispute, and they started a review and began refunding the fraudulent charges to my card. I think the full amount was credited back to my account but they never completed the review and gave me full report, so I don't know for sure. My card has now been locked for a year and a half, after they initially said the review would take 4-8 weeks. The last balance adjustment I can see on my account happened back in XX/XX/XXXX. I have tried contacting them to get updates on their review several times, probably more than 10 times, over this time period and they have given no updates. Every time I ask them when my review will be completed, they say they have no update, and they will let me know when the review is complete. I have continually asked to have the issue elevated and speak to a manager and file a complaint but they repeatedly say there is nothing else they can do. The attachments are an example of the responses I have gotten every time I reach out to them for an update.
Product: Checking or savings account

I have never been a Bank of America customer nor did I open a new account with them this morning. But, surprisingly, I received 5-6 emails notifying me that I opened a savings account with a confirmation number and approval. I never even applied for any account. I have been trying to get hold of someone at the BOA only to either get bounced around or kept on hold for over an hour. It is XXXX XXXX and this nonsense started at XXXX XXXX this morning. This practice is not only fraudulent and deceiving but also very frustrating! It has taken my valuable time away from my patients and family and caused unnecessary headaches and hardship. What's even worse is that I do not have a resolution yet. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the XXXX major credit bureaus : Equifax, XXXX, and XXXX. 

Details of Fraudulent Activity : XXXX. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. 
I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with Equifax, XXXX, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. 

Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX Date Of Birth : XXXX  Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX
Product: Mortgage

On XX/XX/2019 I submitted my 10th modification Application I was denied on XX/XX/2019 forDebt to Income Ratio The representative confirmed my Income incorrectly. 
I advised him that all proof of Income was provided. 
We were then transferred to Loss Mitigation. 
A representative by the name of XXXX confirmed that the proof of Income was present. Her point was it was present on page 78. 
I was told to write a letter due to Lenders error. 
I wrote a letter and immediately sent it back on XX/XX/2019. 
On XX/XX/2019 I called to check on the status of my Letter. I  was rudely spoken to by the Team Leader XXXX who informed me that there was no Appeal on the Lenders error and that I would have to re-apply. 
Because she was so Rude I chose to speak to someone else.

Two additional Representatives stated they would Escalate my case to the Underwriter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$23000.00XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Debt collection

This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''
Product: Mortgage

I went through a divorce and fell behind on my mortgage with Chase. My home is also my business XXXX out of my home and have for XXXX years. They agreed to do a modification & started modification in XX/XX/XXXX in the event my ex-husband quit claimed off. He refused and I had to hire an attorney to force him to quit claim off since I was awarded the home in the divorce. Chase filled a NOD on XX/XX/XXXX all the while telling me everything would be fine once the quit claim was recorded. Quit claim was recorded XX/XX/XXXX I immediately sent them a copy & they asked for updated papers & sent those too. Time goes by I check in they say its in review. For months this went on. Review, Review, Review!! They filled a NOS XX/XX/XXXX and told it 's fine not to worry. This is dual Tracking in California. On XX/XX/XXXX they sent me documents telling me I do not qualify for a modification & my options are Short Sale or Reinstate & letter has to be sent by XX/XX/XXXX. Giving me no time to move my business.
Product: Mortgage

On XX/XX/XXXX my wife and I applied for a Home Equity Line of Credit with Bank of America at the branch bank located in XXXX XXXX XXXX in XXXX South Carolina. Bank of America, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ID XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Bank of America, XXXX XXXX XXXX FL XXXX ; Office XXXX XXXX XXXX ; Office Fax : XXXX ; Email : XXXX ) followed up on loan request. XXXX XXXX had my wife and fill out forms to verify social security numbers and IRS Tax Returns. I told XXXX XXXX that our income is Social Security and XXXX and that we didn't file Tax Returns. He insisted we file with BA a form-4506, an SSA-86 and provide letters of entitlement from SSA. We signed and provided all the forms. The loan was to consolidate credit card debt and payoff our car loan. XXXX XXXX wrote back after a couple of weeks and said that we had to much debt and that BA would not allow increasing debt. I explained that the loan was for debt consolidation that it was not to increase debt it was to reduce debt. He said sorry your loan request was denied and said my wife and I would receive a letter in the mail stating why we didn't get the HELOC. We never received the USPS letter. But on XX/XX/XXXX we received a letter from SSA saying our benefits were going to be dropped because of the loan we got from Bank of America and since we didn't spend the money the money counts as a countable resource over {$3000.00}. I told SSA we didn't get a loan from BA. I called XXXX XXXX I told him about the issue with SSA and the fact we never received the credit denial letter. XXXX XXXX said he would mail the letter again. That was XXXX ( XXXX ) weeks ago. I have called for a letter saying we dont have an account with Bank of America and that we never received a HELOC ; and XXXX ( XXXX ) time I've been promised the letter and never received it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX XXXX  in XX/XX/XXXX, and XXXX XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

During the month of XXXX I deposited about {$300.00} into my Coinbase wallet for Etherium and Litcoin, once I deposited the money my account was immediately locked and I have been unable to access buying or selling currency, I had the intention at the time to deposit over {$10000.00} into the account because Etherium was on a dramatic rise. It 's been 3 months ( XX/XX/XXXX ) and I am still unable to access my funds of $ 1,200+ now, I really need the money as I must pay a medical bill of {$1500.00}. I have received one human message in XX/XX/XXXX about them looking into the issue, never heard back, and their excuse on the site is they are overwhelmed. There are thousands of complaints on social media of this exact same issue and they are not taking care of it all.
Product: Debt collection

I am writing to inform you that my XXXX XXXX credit card was compromised as a result of identity theft. Upon reviewing my recent credit report, I noticed unauthorized transactions and activities associated with this account that I did not authorize or initiate. 

Specifically, the following incidents have occurred : Account Information : XXXX Unauthorized Transactions : unknown Account Charged off amount of {$3300.00} It appears that my personal information was obtained and used by an unauthorized party to access my XXXX XXXX credit card account. I have taken immediate steps to report this matter to XXXX XXXX XXXX XXXX, and they have acknowledged that these charges were indeed fraudulent. I have also filed an identity theft report and initiated a dispute process to address this issue.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to try to get the XXXX buerues to get these fraudulent accounts down from my credit reporting report and from being associated with me I have never applied to these account I have my report from the federal trade commission and have also submitted this claim here to have them move on my situation and help me clear my credit history and by law they should have done it by now
Product: Credit reporting

XXXX and Equifax has not properly verified my disputes regarding XXXX. They have not validated the validity of the debt nor have they sent me such validation as I requested.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and fair 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 process 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 financial loss and I seek appropriate redress for these violations.
Product: Student loan

Application submitted to switch from SAVE to PAYE on JuXX/XX/XXXX. Much prior to the application processing freeze and before deadline for applicants to PAYE. 

It is now almost XX/XX/XXXX and there is no response or processing of the application and currently affected by the SAVE litigation and unable to make payments and obtain credit for PSLF. 

I was informed by Mohela advanced agent that the applications would be processed in the order they were received but applicants who submitted in XX/XX/XXXX are getting their applications processed while the application I submitted in XX/XX/XXXX is not.
Product: Credit card or prepaid card

I have an American Express Platinum card which has a benefit of {$50.00} credit from XXXX XXXX XXXX every 6 months. I placed an online order on XX/XX/XXXX and another order on XX/XX/XXXX but did not receive the credit in XXXX.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent, inaccurate information on my credit report. 
CHILD SUPPORT ENFORCEMENT XXXX XX/XX/2001
Product: Debt collection

I have disputed Diversified Consultantso several times asking for them to validate the debt. To date I never received any communication from the collection agency. I am requesting to remove all collection accounts from all bureaus.
Product: Debt collection

I have two accounts on my credit report from Midland Credit Management attempting to collect debts from two different credit card companies, XXXX XXXX and XXXX  which I have no clue if they're actually mine. I read on the CFPB website that I can ask the companies to validate the date and by Federal Law they would have to respond to within 30 days with documentation and answers to my questions to prove the debt belongs to me. I used a template letter from the CFPB website and sent a letter XX/XX/2023 for each debt to Midland Credit Management asking them to validate the debts and respond within 30 Days, I did not get a response. So, after 45 days, I looked at my credit report and they were still reporting the two collection accounts! Then on XX/XX/2023 I sent another letter for each debt to Midland Credit Management asking why they didn't respond and informing them that the Federal Law clearly states they can not report a disputed debt if they can not validate it and included the fines associated with these violations. In the letters I asked them to delete the accounts within 10 days, to only contact me to confirm they deleted the accounts, and to close the accounts on their end. I again waited 45 Days to check my credit report and the accounts were still being reported! So, I decided to send one more letter on XX/XX/2023 letting them know they were in violation of the Federal Law and they've had plenty of time to investigate and get some confirmation or documentation that they could send to prove these debts belong to me. My thoughts are they're stalling and just hoping that I'll go away so they don't have to remove the debts from my credit report and they'll try to collect them at a later date. I told them the accounts MUST BE DELETED and they could not collect the debt, report the debt, or sell the debt which is what I've read is what these companies do. I also let them know that I was going to file a complaint with the CFPB or XXXX XXXX XXXXl or consult with an attorney if they continued to violate my rights! I thought that would get their attention and they would finally comply with the Federal Law and remove the debts from my credit report. However, after another 45 days I checked my credit report and they're still reporting! This is why I'm filing a complaint against Midland Credit Management because they are willfully and purposely violating my rights and the Federal Law by not responding to my requests for validation, not validating the accounts at all, and continuing to report the accounts on my credit report.
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 an 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 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Santander repeatedly abused me by continuously calling several times a day. After receiving my letter advising them not to contact me unless they are terminating the alleged outstanding balance. They called and I spoke to one of their representatives. Santander will do what they want to do regardless if they are violating my rights as a consumer. The last tactic was to send me a " Notice of Intent to Accelerate and Requirement of Strict Compliance '' letter threatening to repossess my vehicle. How can one repossess something that does not belong to them? 

Santander continues to try to destroy my reputation with such antics. I never gave them written permission/consent to report any of my factual data to any credit reporting agencies or any other entity. 

I have attached all of the documents sent to them. Please assist with resolving this matter.