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

In this year of XXXX the month of XXXX has been filled with, fraud and scam within the BB & T financial institution. Back on XX/XX/XXXX I was approved and received a loan in the amount of XXXX. The money posted on a Saturday morning so therefore the more rightful thing to me was to wait until that following Monday to withdraw an decent amount in order to handle my payroll and supplies for XXXX. I also was involved in a car accident which resulted in me receiving an settlement check from the company XXXX in the amount of {$2300.00} receipt are on record. I deposited my settlement check that Sunday XX/XX/XXXX. XX/XX/XXXX I proceeded to go into my local branch to make a withdrawal and was told I could not due to my account being blocked, they also placed a {$100.00} hold on my settlement check reducing its amount to now {$2200.00}. XX/XX/XXXX BB & T proceeds to tell me they could not release my funds to me unless I could produce paperwork stating my XXXX  pertaining to XXXX. After producing my EIN, Reservations and bank statements I was still denied my funds and was told the loan was reversed. After contacting the Lender XXXX XXXX no confirmation was received that the loan was sent back and nothing was reported unto SBA to clear my name. I still have no answers as todays date XX/XX/XXXX and Im also in debt having to pay {$20000.00} to the Small Business Administration starting XXXX of XXXX
Product: Debt collection

I settle my bill with XXXX back in XX/XX/XXXX Later I was hit with a collection bill from a company from XXXX XXXX with a Final -bill for {$790.00} I called XXXX to compliant of this bill and was transferred several times to different department with everyone cluesless. I final call the number for XXXX listed on the Final letter XXXX & the number was a non working number. So I disputed with XXXX   and XXXX and they removed the discrepancy. If you call that number for XXXX XXXX XXXX is now says XXXX. I check my credit report a few months later XX/XX/XXXX and found out that XXXX had another collection agency Name now XXXX XXXX and this time they put the collection amount for {$1600.00} I have always paid my bill from XXXX and that is very disloyal of them to keep make up this statement after the fact with 2 different collection agency and 2 collection amounts XXXX   removed the AFNI From my XXXX   on XX/XX/XXXX and the rep told me they ask AFNI To remove from AFNI/XXXX -AFNI/XXXX Just place back on XXXX as of XX/XX/XXXX Please help me with this company! Attached is supporting documents Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 ACEPTANCENOW XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Product: Mortgage

Applied for a mortgage refinance with Pentagon Federal Credit Union ( PenFed ) on XX/XX/2021. 
XXXX XXXX received a Good Faith Estimate ( GFE ) itemizing the cost of providing the loan. No origination fees are associated with this loan, no origination fee on the GFE - XX/XX/XXXX, physical home appraisal completed - XX/XX/XXXX, received letter from PenFed 's closing attorneys advising to consider using a XXXX for the refinance which will save me money on transfer taxes. Cost : {$750.00} XX/XX/XXXX, payment is made for XXXX modification of {$750.00} XX/XX/XXXX- Loan is given conditional approval Submitted all required paperwork well within all the required timeline. PenFed continued to drag their feet throughout this process and was unable to meet the closing date deadline on three separate occasions. Various excuses were provided for the delays but they all were related to the Title division. In the sixth month after the process started, we have a new closing data. Three days prior to the close I received the disclosure documents. The documents now outlined new fees that were not listed in the GFE. At no time did the loan processor informed new origination fees were being added to the loan. In addition, the mortgage XXXX was never completed which resulted in the transfer taxes remaining unchanged. Payment made for {$750.00} was collected with no results. The origination fees added an additional ~ {$12000.00} to the closing resulting in it nearly doubling. 

I believe the actions taken by Pentagon Federal are in violations of the Consumer Protection laws. and amounted to a financial bait and switch.
Product: Credit reporting

The following is inaccurate and a result of ID Theft and must be blocked under FCRA Section 605b. 
1. XXXX XXXX ( Credit Inquiry ) 2. XXXX ( Credit Inquiry ) 3. XXXX ( Credit Inquiry ) 4. XXXX XXXX ( Credit Inquiry ) 5. XXXX XXXX ( Credit Inquiry ) 6. XXXX XXXX ( Credit Inquiry ) 7. XXXX ( Credit Inquiry ) 8. XXXX XXXX ( Credit Inquiry ) 9. XXXX ( Credit Inquriy ) 10. XXXX ( Credit Inquriy ) 11. XXXX XXXX XXXX XXXX ( Credit Inquriy ) 12. XXXX XXXX ( Credit Inquriy ) 13. XXXX XXXX ( Credit Inquriy ) 14. XXXX 15. XXXX Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the delayed processing of my accounts opening with Credit Bureaus. Despite my previous communication, I regret to inform you that the issue remains unresolved, and the accounts opening process has yet to be completed.

As a prospective client, the continued delay in opening my accounts are not only frustrating but also reflects poorly on the efficiency and professionalism of your organization. I have submitted all required documentation and have complied with all necessary procedures, yet the delay persists without any explanation or indication of progress.

I understand that administrative processes may encounter occasional setbacks ; however, the prolonged delay in this instance is unacceptable. It has not only inconvenienced me but has also hindered my ability to engage in business transactions with your company in a timely manner.

I urge you to prioritize the resolution of this matter and expedite the processing of my accounts opening without any further delay. Timely action is crucial to restoring my confidence in your company and facilitating the commencement of our business relationship.

Furthermore, I request that you provide me with regular updates on the status of my accounts opening and the steps being taken to rectify the situation. Clear and transparent communication will help alleviate concerns and demonstrate your commitment to resolving this issue promptly.

I trust that you will take immediate action to address this matter and ensure that the necessary steps are taken to expedite the processing of my account opening. Failure to do so may compel me to explore alternative options and escalate this issue further. I am asking for your assisstance to correct these accounts in my credit file : 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: Checking or savings account

On XX/XX/XXXX I filed a dispute of charges on my bank account. My debit card was fraudulently used to charge {$30.00} for parking on XX/XX/XXXX, {$30.00} for parking on XX/XX/XXXX and for XXXX XXXX XX/XX/XXXX for {$71.00}. Total charges of {$130.00} on my bank account. Chase Bank initially refunded all three charges but then mailed me a letter saying they would not support my dispute. I have contacted Chase Bank three times to discuss the refund I should be given but Chase says there is nothing they can do.. Chase says that because I had a separate dispute in XX/XX/XXXX, that they did support and refund, and at that time they sent me a new debit card which had a new expiration date but not a new number, that their policy is any diputes within 60 days of the first initial dispute will be considered. Although the XXXX diaputes are unrelated to the XXXX dispute, and Chase sent me same card number being their error AND NOT MY REQUEST, they will not refund my money. Being a young college student with my first account on my own, I am trying to manage my account as best I can. The amount of money they will not give back to me takes two weeks of work for me to earn. Chase made the error to not send me a totally new card and I did not know that a new expiration date was not enough to protect me from fraud. It is Chase Bank 's job to protect me from fraud. I talked to customer service agent " XXXX '' on XX/XX/XXXX and her supervisor " XXXX '' who said they are unable to refund and it is past 60 days. These 3 claims were filed within a few days of occurrence, but more than 60 days from separate XX/XX/XXXX dispute. They made the error with the card they sent me, not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a mortgage on my previous home through Loan Pal. My home was sold and Loan Pal sent me a letter dated XX/XX/XXXX stating that they would send me an escrow refund check in the amount of {$850.00}. The letter said that the refund would be sent within the next 20 days. Many months after I had wondered if I ever received the check. I have even looked into my checking accounts to see if I could find a transaction for that amount and have not been able to. Loan Pal had been taken over by Good Leap mortgage. I called Good Leap and told them about my letter and asked them to research it for me to see if the check was received by me. They said they needed to re-issue another check and that they would do the research. I have been calling them ever since and asking them to re-issue the check. This has been over the course of approximately a year and a half that I have been in contact with them. During that time period they have been telling me that the check was sent to my old residence that was sold or even that the check was sent to my current residence and that I should wait to receive it in about 30 days. Over a week ago they said they would send the check to me USPS express mail and that I should have received it around XX/XX/XXXX. I still have not received the check yet. They have told me it has been re-issued. I have lost confidence in them and have decided to contact you.
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/2021 morning approximately XXXX XXXX, while checking my coinbase cryptocurrency portfolio on Coinbase Pro, i saw my funds reduced from approximately {$90000.00} USD to {$28.00}. I was stunned but realized that my account may have been compromised. I then tried to reach to coinbase and got to know how to lock my account on an automated phone service. I locked my Coinbase account as soon as possible. Roughly in 20-25 mins, if i remember correctly.

I reached to coinbase support and they said they will assign a specialist who will only communicate on an email.

After few hours coinbase responded with an investigation report ( attached in this complaint ), saying that my phone was compromised and my username/password alongwith 2FA was used by hackers to loginto my coinbase pro account and send the funds through an Ethereum wallet. They can not do anything and shrugged off entire responsibility. 
Very next day i reported this crime to my XXXX XXXX, FL law enforcement who immediately connected me with Detective XXXX XXXX from XXXX Financial Crimes unit, Florida. He has been handling my case since XXXX XXXX. 
Meanwhile, I reset all my email passwords, coinbase passwords, and recovered my locked coinbase account on XXXX XXXX. 
I want the authorities to know the below : I have followed all the security recommendations given by Coinbase including 2FA using XXXX XXXX  app.

Infact, another important step i had taken in security was I had enabled crypto address " XXXX '' on Coinbase, to ensure no withdrawals happen outside my approved list of crypto address/wallet. According to Coinbase, if you enable whitelisting, no funds of any coin can be withdrawn outside the approved/whitelisted addresses/wallets. 
Despite this the hackers were able to withdraw to a net new ETH address.

Infact, I never have even setup an ETH address/wallet that is whitelisted.

Coinbase support has not been helpful at all. Infact they have not responded to my " XXXX  '' query since XXXX XXXX. Such a big fraud and look the way they treat customers and shrug off security responsibility. 

On XXXX XXXX XXXX sent approximately XXXX people errorneous 2FA reset text message. This means they have some serious problems with 2FA internal security and being a public company, they need to be transparent about their internal investigation. 

I have checked my phone for viruses with XXXX scanner and i have attached proof that my phone is not infected. 

I need strong action against this company. I need justice. I have lost my life savings here : (
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 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, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
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. 

Account name : XXXX XXXX XXXX Account # : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This Debt is not mine, I have reached out to this company for validation with no response. They are reporting inaccurately on my credit report, this company and the company they collect for are reporting as if I owe them a debt and I have never heard of either of these companies and I have never agreed to pay them anything. As in the above mentioned laws in accurate information must not be reported erroneously on a consumer. If so it must be deleted.
Product: Checking or savings account

Today, Bank of America ran an automatic payment to my BoA credit card from my checking account at XXXX XXXX  for {$19000.00}. This was an unauthorized auto debit that caused me to be overdrawn at my bank by {$13000.00}. And it resulted in a credit balance on my credit card at Bank of America of {$16000.00}, which should have immediately made Bank of America aware that no such auto debit was warranted. I called to advise them of their error, which they admitted was their own error, but they then refused to do anything to remedy the problem. They only offered to send me a check in 10 days, a direct deposit in three days, or allow me to apply for more credit so I could go make a deposit at XXXX XXXX a BoA service charge of {$670.00}. This is nothing short of stunning that they would ask me to apply for credit in order to receive repayment of the money effectively stolen from my bank account. I was transferred to over seven different offices at Bank of America and still received no remedy. The problems caused by taking {$19000.00} in an unauthorized manner from a consumers checking account are immeasurable. Please provide assistance. Thanking you in advance, XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquiries on my credit report that I dont recognize nor did I authorize
Product: Debt collection

I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. The name of the original creditor to whom the debt was owed. A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. Proof of your authorization to collect on behalf of the original creditor. A breakdown of any additional fees or interest that have been added to the debt since its origination. Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report. I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied. Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period, as required by law.
Product: Mortgage

I am a member of Class Action captioned XXXX vs. XXXX XXXX XXXX  and they have just settled for {$91.00} XXXX which covers my mortgage account number XXXX transferred from XXXX to transferee servicer Shellpoint/ New REZ Financial. Now Shellpoint has chosen to propound the XXXX violations committed during my loss mitigtion application, which now Shellpoint is interfering with " interest padding '' of over {$280.00}, XXXX above the unpaid principal balance of {$510000.00}, and by dishonoring a SNPO ( short note payoff ) approval in the sum of {$20000.00}
Product: Credit reporting or other personal consumer reports

the majority of the collections and delinquent accounts on my credit report are inaccurate items that currently, negatively impact my credit score. despite my disputes filed with Experian, it remains unresolved
Product: Credit card or prepaid card

XXXX XXXX 's store credit card. I am having an issue with late fees. I called numerous times to try and get them to send me a bill. They assured me it would be coming in the mail. When it did eventually come they charged me a late fee. I call customer service and they said they would remove the charge from my account. They never removed the charge and assured me they would. At one point the late fee was the only outstanding charge in the account, I did n't pay it so they charged me another late fee on top of the first late fee. They have records of all the phone communication and wo n't reverse the second late fee despite it being due to the first late fee they said they would reverse. The long of the short of this situation is the company did n't send a bill and charged late fees when they should n't have. They also did n't honor their commitment to reverse the first late fee, which triggered the second late fee. Now they still want the late fee money.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX