23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When I was renting a house my credit was pulled and I found out that Hunter Warfield, a collection Agency, had report that I owed them {$5100.00} in XXXX and {$5100.00} in XXXX  and XXXX XXXX. They had XXXX XXXX XXXX XXXX ( XXXX ) as the original creditor. 

I do not owe this alleged debt. They and XXXX had never tried to collect this from me nor notified me about this debt. 

In XX/XX/2018, I disputed the debt with Hunter Warfield, through certified mail with return delivery ( usps.com tracking # XXXX ), asking them to validate the debt because I do not owe this alleged debt. Returned cert, received showed that Hunter Warfield received my validation disputed mail on XX/XX/2018 at XXXX XXXX. But Hunter Warfield never responded and never validated the debt as required but kept reporting the debt in all 3 credit reporting agencies.

According to Fair Credit reporting Act ( FCRA & also FDCPA ), debt must be validated with 30 days after they receive my notice to validate. According to these Federal Credit Laws not validating the debt is an indication they are admitting what they are reporting is not true, false and/or fraudulous. The debt was then un-validatable and reported in error. The debt report was inaccurate and in error.

These Federal Credit Laws Stated that they must remove and delete inaccurate, false and error report from my credit record immediately. 

According to FCRA and FDCPA my credit record must be free from error and reported accurately and complete. 

Actually I did not even owe XXXX. They still had {$420.00} of my money to date. 

I want Hunter Warfield and XXXX to delete this un-validated alleged debt and inaccurate and false information from my credit record with all Credit Reporting Agencies immediately in accordance to the Federal Credit Laws, ACRA and FDCPA. And notify me when these inaccurate, false and error information are remove and deleted from my credit record. It has passed the required 30 day. It has even passed 150 days with no validation of the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I saw a notification on my phone from Coinbase saying my two factor authentication had been changed. I logged into my Coinbase account and everything worked fine. I went back to reread the notification and could not find it. Thinking this was strange I contacted Coinbase customer support to see if they had sent the notification. I was asked me to explain what had happened in an email, which I did. Coinbase then locked my account. I did not lock the account. It is now 19 days later and I have no access to my account which has a very substantial amount of value to it. I have no idea if my funds have been frozen, or if they are going up and down with the flow of the market. I can not buy, sell or remove my assets from Coinbase. After numerous attempts to reach Coinbase, the only response I get from them are canned or blanket emails saying they will get back with me in 4 to 5 business days, which has passed many days ago. As far as I can tell they have no customer support at all. I trusted them with tens of thousands of dollars and they wont tell me a thing about what is going on with my money. Coinbase seemed to be a great company up to this point. Not being in control of your assets is a horrible nightmare.
Product: Debt collection

In accordance with the Fair Credit Report act, XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

Over a year ago, I completed all required steps for identity verification with Coinbase, anticipating this would grant me full access to their services. Despite fulfilling every requirement and providing all necessary documentation promptly, my account verification remains incomplete to this day. 

Since completing the verification steps in about XXXX, XXXX, I have engaged in multiple attempts to address and resolve this delay with Coinbase. My most recent effort to seek clarity and assistance was on XX/XX/XXXX, which, like previous attempts, yielded no progress or resolution. Disturbingly, following my latest inquiry, I found my access to Coinbase 's customer support channels unexpectedly restricted, further limiting my ability to resolve this issue. 

This protracted delay and the subsequent restriction on my customer service access have significantly impacted my ability to utilize Coinbase 's platform effectively. It appears to me that this delay in completing the verification process, despite my compliance with all requirements, is intentional. The lack of communication and the decision to limit my access to support services have only compounded my concerns, leaving me with serious doubts about Coinbase 's commitment to customer service and transparency. 

Given the critical nature of timely access and management of assets within the volatile cryptocurrency market, this delay poses potential risks to my financial well-being. It is with these considerations in mind that I am compelled to seek the intervention of the Consumer Financial Protection Bureau ( CFPB ) to facilitate a resolution. My hope is that with your assistance, Coinbase will address and rectify the verification delay, restore my access to customer support, and allow me to engage fully with their platform once more.
Product: Credit card

Discover replied back but did not do what they said Still shows on my credit report as discover dated in response it does not appear on my credit file
Product: Credit reporting or other personal consumer reports

I have tried to get OPPS FINANCIAL LOANS to send the updated PAID information to the credit bureaus and they have yet done so, every month I am told next month! The last reporting this company did was XX/XX/year>. Did not even reflect my payments, now its paid off and I am trying to purchase a home. They are the ONLY company showing I owe them and I DONT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current university made a mistake XXXX University. Assigned me a class prior to the financial aid kicking in. Pulled me out of the class and charged the fee. They later corrected the problem by offering me a grant to cover their mistake but they sent part of it to a collection agency Conserve. XXXX University advised me they corrected it with conserve XX/XX/2019. This false/mistake by XXXX is showing as a collection item on my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub> 2020 my Cash App account was hacked and {$1000.00} ( USD ) was withdrawn from my bank account. As you may know, or not, Cash App does not, or did not, have an accessible customer service phone number. I resorted to emailing XX/XX/XXXXt on XX/XX/year>2020 and not getting a real responses until XXXX XXXX, 2020. They werent able to assist me or give me any information, some of which was detailed as classified. The only thing they helped me do was delete that cash app so the problem wouldnt happen again because I know longer had access after the fraud happened. They sent me a long list of questions as well that in the long term proved to be of no progress. To sum it all up I ended up taking my claim to my bank because Cashapp eventually got repetitive with their replies and dead end questions. My bank said there was nothing they could do about it either but my bank teller did tell me they had a lot of problems with their customers using cash app. Just like that I was out of {$1000.00}, which at age XXXX at the time was pretty steep. 

If it matters too I have my reference/case # from the incident. 
[ ref : XXXX : ref ]
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023, we closed on a construction loan with Citizens Bank. The construction loan was to construct a new primary residence in XXXX XXXX, New York on a plot of land we already own. Pursuant to the loan closing disclosure, attached to this complaint, the loan was for {$820000.00}, where approximately {$80000.00} was for construction costs and {$20000.00} was for closing costs. There was no equity requirement stated within any loan documents or conveyed verbally by the bank. This is reflected in the aforementioned closing disclosure. A check was produced by the bank 's attorney at closing in the amount of {$100000.00} to begin the initial draw. After we received the funds, we realized that the bank did not provide the full amount of the initial draw. Upon further investigation on the Citizen Banks app XXXX XXXX XXXX, we noticed that our loan amount changed from {$820000.00} to XXXX XXXXXXXX a difference of {$19000.00}. Coincidentally, this was the exact same amount of money that we had previously expended out-of-pocket for the demolition of the previously existing structure. We had been told by our loan officer that we would be reimbursed this amount, at closing, as it was part and parcel of the build. We had not been reimbursed. 
We continued to try and figure out what was going on by contacting numerous people at the bank. It was then that the construction department at Citizens, informed us that we had an equity requirement for the loan. As you can see from the disclosure documents, there is no mention of any such requirement on ANY loan document. Nor was it ever conveyed verbally or in writing. Coincidentally, the equity amount was {$19000.00}. However, as per the construction department, the bank decided rather than request equity, they would simply credit us the {$19000.00} equity requirement because we had " in earnest '' already spent that amount. We are now short funds to build. 
We have tried on numerous occasions to resolve this issue with the bank. We have escalated it to several departments and managers within Citizens Bank to no avail. We have demanded an explanation in writing from several managers. The latest is XXXX XXXX, XXXX - Area Manager. No one will provide an explanation as to why our loan amount changed without our knowledge and consent, why they added an equity requirement after closing without our knowledge and consent, and how they will remedy the shortage of funds.
Product: Credit card or prepaid card

When I opened a Comenity bank NFL card I used a mailed offer from the bank to earn {$100.00} statement credit after spending {$500.00} in the first 90 days. The card was activated in XX/XX/2022, more than {$500.00} was spent before XX/XX/2022 to satisfy the offer condition, since then I have waited for more than 4 months but still haven't received the {$100.00} statement credit promised to post within 1-2 statement cycles in the mail offer. 

I contacted Comenity bank in XXXX, XXXX, XXXX of 2022, the bank has not provided a solution or time for which the credit will be posted on my account.
Product: Checking or savings account

I have had PayPal  and XXXX since they started and nothing shows upon my credit I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I was contacted by D & A Services , LLC via letter dated XX/XX/XXXX. They informed me they were representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect a debt amount of {$800.00} which they purchased from XXXX XXXX. 

I responded within the 30 days asking them to validate the debt which they did. I sent a D & A Services a debt settlement letter. Agreed to pay the original amount of {$620.00}. I also informed them because Covid-19, I would pay this in 4 installment payments of {$150.00} on the XXXX of each month. I sent this letter on XX/XX/XXXX. 

I waited for a response. I received a letter dated XX/XX/XXXX saying I didn't respond to their letter. They reduced to debt from from {$800.00} to {$680.00}. 

I replied to D & A Services LLC on a letter dated XX/XX/XXXX their letter was incorrect. I did respond. They received and signed for my certified debt settlement on XX/XX/XXXX @ XXXX XXXX   according to the USPS website. I provided the tracking number printed out a receipt from USPS. I re-iterated my previous settlement offer of {$620.00}. This letter was mailed out on XX/XX/XXXX. 

I received a phone call from D & A Services LLC on XX/XX/XXXX @ XXXX XXXX. A woman left a voicemail. I called back and informed female rep who I was. This call lasted 5 mins and 36 seconds. I was on hold for 5 of those minutes. I informed her to please contact me via letters as we have doing. Don't call me. She advised she would relay my message. They received my certified letter at morning. I'm in California so I'm 2 hours. They received and signed for my certified letter and then called me promptly. 

I'm still waiting to hear from them. My issues with them are : 1. They lied about that fact I didn't respond to their correspondences.

2. They lied about not receiving me letters because I sent all correspondences by certified letter via USPS. I have receipts.

3. They've inflated my original debt amount.
Product: Student loan

My Servicer sent inaccurate information about my loan to the credit agencies. The Biden Administration extended the pause on student loan payments through XX/XX/2022. This means that no payments are being processed. I am also still in school and have deferment as well until I graduate. I am also being approved every semester for loans without any credit issues yet my Servicer reported that they decreased my credit limit to the credit agencies for NO REASON. Attached is what the credit agencies are currently showing me what my Servicer Osla, falsely reported.
Product: Debt collection

In XXXX or XXXX of XXXX, I received a letter from a collection agency trying to collect {$14000.00} that was owed to the XXXX XXXX. 
Someone used my Name, XXXX and SS # to rent an apartment from XX/XX/XXXX - XX/XX/XXXX at the XXXX Apartments at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I'm assuming they never paid rent and I am being contacted to pay this debt. 
This is fraud / identity theft. 
I lived with my wife in an apartment in XXXX, CA XXXX from XX/XX/XXXX- XX/XX/XXXX. 
I have rent payment receipts, water and power bill payment receipts, my XXXX lease agreement that started in XX/XX/XXXX, after which I was month-to-month till we moved out. 
I have done a background check on myself that does not show me ever living at the address where my information was used in fraud. 
This collection amount has hit my credit report as of XX/XX/XXXX and reduced my credit rating by XXXX points. I need this resolved.
Product: Vehicle loan or lease

on the date of XX/XX/2021 I went to XXXX XXXX XXXX XXXX I spoke to a salesmen and was shown a vehicle I was then coerced into putting a down payment of {$2500.00} on a consumer credit transaction I was then bombarded with paperwork and was not given adequate disclosure as to what was taking place on my behalf i was not given the proper time to agree to the terms before being forced to sign, the contract is incomplete and contains misleading information I now have been trying to reach the company to properly rescind and cancel this " loan '' they speak of have been ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed the negative item on my credit report under another name ( XXXX  XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 15 U.S.C 1681 Section 602a and 602b. States that I have the right to privacy and accuracy within my credit report.

15 U.S.C 1681 section 604a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 

on XXXX XXXX I sent letters to Transunion , XXXX and XXXX about inaccurate information that was in my credit report and as of today Monday XXXX XXXX the inaccurate information is still present in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX/XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 XXXX XXXX. Section 604 of Fair Credit Reporting Act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Checking or savings account

The processing order in which Regions Bank chooses to process transactions causes the members excessive overdraft fees. 

I was charged six XXXX  overdraft fees for one transaction that put my account in the negative.

Regions is stating that there were 5 transactions pending when the actual transaction was completed that caused the account to go into the negative. I am not disputing one XXXX  fee however I am disputing the five additional NSF fees, as my account did not truly have NSF, as all of the transactions had already cleared my account at the time of the one XXXX  XXXX  XXXX  that caused my account to be overdrawn.

Regionsprocessing order of transactions is not timely and there systems do not reflect pending transactions causing excessive overdraft fees. This is a known problem with Regions and I was informed that a new process was being put in place due to customer complaints. 

My account is over dra

wn XXXX  in NSF fees when only one trans action was made to cause the account to be with drawn. The total in my account today is negative XXXX. I made a XXXX  XXXX  XXXX  on XX/XX/21 causing the acc
ount to be negative XXXX.

At the time of the XXXX  the other 5 transactions that Regions is claiming caused additional NSF fees, were already clear in my account and paid out of my own balance. And that is reflected in the screenshots. All 5 transaction the bank is claiming were pending on XX/XX/21 already showed posted to my account. Furthermore the amounts of those transactions are not reflecting in the XXXX balance I owe outside of the XXXXs in overdraft fees. Meaning the bank never covered those charges due to my account being non sufficient. 

I dont not understand how I can be charged 5 nsf fees when the account was not non sufficient. 

Please help. I can not afford these fees and I do not owe the additional five fees.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction and updating of my personal information on my credit report. I kindly ask for the removal of any unverified, outdated, incorrect, or potentially harmful information that could cause significant inconvenience or harm to me
Product: Credit card or prepaid card

My Wells Fargo XXXX credit card was moved over to the new Wells Fargo XXXX card. My bank statement from XXXX was owing {$570.00}. My new bank statement in XXXX began with me owing {$0.00}, with Wells Fargo rolling over a new charge of {$570.00} on XX/XX/XXXX. On paper, everything looks great, which is why after three phone calls I have gotten no where. 

However, in my online account, there was no subtraction of {$570.00} before adding in the new charge on XX/XX/XXXX. So I already have all of the previous charges that totaled up to {$570.00}, plus the additional charge on XX/XX/XXXX, causing me to be double charged. The people I talk to on the phone do not care what my account on the computer looks like ; they only want to talk about the bank statement. However, the bank statement does subtraction and addition of {$570.00} ; my online account only does addition of {$570.00}.
Product: Vehicle loan or lease

My auto loan was transferred to Ally financial and My second Payments was dishonored without cause. I initiated a billing dispute and tried to make subsequent payments via phone as previously done with the first payment. I was refused and demanded certified funds I requested a billing dispute contract information and sent mailings to several departments including the Corporate Office and CFO. i received no response to verify validity of the refusal. I spent hours on the phone with at least 6 separate agents and all ended with refusal of payment via phone. I sent a check for payment in full a month ago and 38 days later they sent it back. It has a endorsement stamp CREDIT TO ALLY as endorsement but the letter sent only state ally was not accepting the payment Nothing more. There are no stamps of insufficient funds or bank refusal on the check. 

Per UCC 3-502 Unexcused delay/Discharge this debt is discharged. 
3-506 Time allowed for Acceptance/Payment 3-508 Notice of Dishonor 3-604 Tender of Payment 3-603 Payment or satisfaction 3-602 Effect of Discharge Against Holder in Due Course 3=606 Impairment or Recouse of collateral Ally repossessed my car during the billing dispute with Ally refusing several methods of payments. 

Changing the contract without my consent is unlawful. Repossession of was in called for and I had valuable items stored in my property. 

Calls to ally have yielded no results I recently submitted a rescission of contract notice to the car dealership who fraudulently transferred my note to Ally and also the same notice to our financial who claims that I owe a debt which I have proof of payment and refusal without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively. 

Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested XXXX to remove this because this is not my fault. I don't have control with what happens with the banks.