23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First payment is past due on new business account. The payment was due on XX/XX/year>. I received emails about this payment onthe XXXX, XXXX, XXXX, and XXXX. Synchrony is calling multiple times a day, from different phone numbers. I know they are only allowed to auto dial 7 times in 7 days but so far i have received 3 calls TODAY XXXX, XXXX yesterday, and XXXX on Friday. This is harassment. No one is on the line, so I can not speak to them regarding this payment without calling into Synchrony. 

I have XXXX accounts with Synchrony, some which are 5 or 10 years old. The other are all current.
Product: Checking or savings account

I created an account with Square ( aka XXXX, XXXX XXXX Square Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX ), went through the verification process, and linked my business checking account. After several weeks of uninterrupted service, today ( XX/XX/22 ) my account was " deactivated '' without warning or notice. I received an email that this was Square 's " final decision '' and that my funds would be frozen for 90 days. 

I called Square customer support to find out what happened, and they told me they could not give me a reason why the account was suspended. I told them there must be something they could do, given the sudden and inexplicable nature of the suspension, but they refused to give me any more information on why my account was deactivated/ frozen. There was no appeal or review process. 

I am in the middle of my work week and now am completely without a credit card payment processor. I have hundred of dollars of customer invoices/ payments currently frozen in my Square  account that I apparently can not access for three months. I am scrambling to call clients to explain why they can not pay with a credit card at my business. To say this is frustrating is an understatement -- Square has completely left me in the lurch, high-and-dry, and will not so much as provide an explanation as to why this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXXXXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please help
Product: Money transfer, virtual currency, or money service

An unauthorized withdrawal of my cryptocurrency from my Coinbase occurred on XX/XX/2023. I learned about the withdrawal the day after the incident when I checked my email and saw multiple emails from Coinbase indicating that large sums of money had been withdrawn from my account without my permission. Ive confirmed with Coinbase over the phone that the withdrawal was legitimate and was instructed to create a case with Coinbase and that their investigation team will look into it. 

Ive exchanged emails with Coinbase and they are claiming that the unauthorized user had access to my account due to compromised credentials. Coinbase has not given me evidence that led to this conclusion and would not answer questions on why their security systems failed. They closed the case and told me they can no longer help me. 

A few things went wrong with Coinbases security system. 
XXXX. I have two-factor authentication enabled using XXXX XXXX but the unauthorized user was able to bypass this. 
XXXX. Coinbase reviewed and accepted an unknown bank account which the unauthorized user to withdraw money from my account. 
XXXX. I did not receive an email for the following actions taken by the unauthorized user which is strange since they would send emails to me previously for the same actions. 
XXXX. Accessed my account with unfamiliar device. 
XXXX. Added new bank to my account. 

The unauthorized user sold XXXX XXXX @ {$43000.00} / XXXX and XXXX XXXX @ {$230.00} / XXXX totaling {$64000.00}. The unauthorized user added their own bank account to my Coinbase account and transferred the funds to their bank. I was able to get the name of the bank and the last XXXX digits of the account number. XXXXXXXX XXXX XXXX XXXXXXXX Checking XXXX. According to my email conversation with a Coinbase representative, the XXXX address used to access my Coinbase account is XXXX from XXXX, PENNSYLVANIA and made the following withdrawals totaling {$63000.00} after Coinbase took their cut of {$950.00} in fees. 

XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

Dear CFPB, Please note Shellpoint fraudulently added and keeps adding a non required home owners policy. it is now 3 years since i purchased this property and every single year Shellpoint keeps adding fees, chargers and interest to my account for no reason. i called Shellpoint multiple times and they keep refusing to escalate this further. i am now tired of Shellpoint fraudulent activities. Please help stop Shellpoint Mortgage fraudulent activities. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XX/XX/XXXX I sent a certified mail letter to a company called Santander Consumer USA regarding this unauthorized inquiry to my consumer repor that took placed on XXXX XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Santander Consumer USA. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I received a letter in the mail today that Santander Consumer USA sent off on XXXX stating insufficient information provided and or the dispute is substantially the same as a dispute previously which I have never reported anything in the past because I didnt have any knowledge to this to report. However, I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account to ensure accuracy. Heres the account I am asking you to investigate : XXXX XXXX  ( account number - XXXX ).
Product: Debt collection

I sent a letter to XXXX XXXX on Tuesday, XX/XX/XXXX asking to verify a debt for XXXXUSD that is being reported on my XXXX credit report. 
They did not respond to me within the allotted thirty days. However, it appears that the debt was then sold to a third party collection agency- XXXX XXXX XXXX XXXX XXXX . 
Now, XXXX XXXX XXXX is reporting I owe XXXXUSD as well as XXXX  reporting that I owe XXXXUSD for the same account. 
I contacted XXXX on Friday, XX/XX/XXXX and tried find a resolution to this problem and no one notified me that I could make a formal dispute. They told me to contact the CFPB if I was having problems. 
I contacted the CFPB afterwards and was only told by them that I had a right to make a formal dispute through XXXX.
Product: Credit card

My wallet was stolen on XX/XX/XXXX For {$560.00} I was not aware I was pick pocketed At the same time I was walking to the train stop, whoever took my wallet went to XXXX and charged a bunch of stuff on my account. 
I let Wells Fargo know that and they said that they denied my claim
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX are both reporting wrong information on my report stating that XXXX auto loan was charged off when it was paid in full. I have letter from XXXX saying it was paid in full and they would contact credit reporting agencies to remove the charge off status.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). This lawsuit highlights significant issues with the platform, which I have personally encountered while using Zelle. 
Despite having used Zelle numerous times and reporting discrepancies in my transactions, my financial institution and Zelle have failed to adequately investigate my claims. In my case, I was informed that recovering lost funds was impossible, and that tracking these transactions was deemed unfeasible. This response is not only frustrating but also troubling, as it suggests a systemic failure to address legitimate concerns of consumers. 
The CFPBs findings indicate that Zelle has not only neglected to protect its users but has also enabled repeat offenders to exploit the system, leaving consumers vulnerable to scams and unauthorized transactions. Given this, I am deeply concerned about the platforms ability to safeguard funds and effectively resolve disputes. 
I kindly request that you look into this matter and provide further information on what actions can be taken to resolve these ongoing issues. The current system, as it stands, leaves users like myself at significant risk, and I believe urgent improvements are necessary. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Student loan

Since my payments have resumed I've paid nearly three ( now four ) times the amount of my monthly loans, and they have all been considered " late '' for every month. 

I called on XXXX with no resolution other than being told my first payment of {$510.00} on XX/XX/XXXX ( applied towards XX/XX/XXXX ) wasn't allocated correctly therefore didn't count because I chose which parts of my loans I wanted my excess amount to be applied to. I took that as a lesson learned then paid for the total remaining balance for XX/XX/XXXX which was quoted as {$210.00} which was paid on XX/XX/XXXX. After this I received a statement on XX/XX/XXXX via their website in their inbox stating I had a {$0.00} balance for XX/XX/XXXX with a full breakdown of what I will owe, per loan, for the next due date on XX/XX/XXXX. 

On XXXX I received a past due notice staying I was {$26.00} behind on XX/XX/XXXX and hadn't paid anything for XX/XX/XXXX. Afraid to cause damage to my credit score I paid a second time for XX/XX/XXXX and am fearful I will still be considered late on this payment. 

Once I called completely confused how I could possibly have a statement that claims {$0.00} due but a past due notice as well I was given no resolution other than their system claims I'm behind therefore I have to pay. The person I talked to refused to pull up the statements I was referring to where it stated I owed {$0.00} and just continued to keep repeating I paid my loans incorrectly and must pay again to avoid delinquency. 

At this point I have no idea to do since it appears they can charge me as many times as they want in a month and claim their systems say I'm late when contacting them about it.
Product: Mortgage

My mortgage was sold to Mr Cooper from XXXX in XXXX. Few months afterwards I discovered I'm being charged extra on my monthly payments Upon checking I discovered they added a flood gap insurance that was not required under my mortgage agreement. As the coverage needed for flood is XXXX when XXXX is covered by my XXXX insurance, and the additional XXXX is covered by an added insurance policy that I added on my end. 

When I reached out and shared the necessary documents the representative approved my claims, and said it will be removed. 

Never got the follow up and the policy was never removed. 

I reached out again, went through the same process, but the end result was the same, was told it will be removed but it wasn't. 

Was already charged XXXX on top of what I should have paid in XXXX, and its continuing into XXXX. Need this resolved asap
Product: Credit card or prepaid card

Someone opened a credit card that I just realized was on my account and it it broke my XXXX XXXX XXXX points.
Product: Checking or savings account

( There is an ongoing fraud case with 4 credit cards and so far, nothing has been done. ) I have 3 demand deposit accounts with the bank that the bank froze. If they obtained a court order, I was not notified. I am unable to transfer any of the funds. I have made numerous calls and the credit card fraud dept sadistically wants to punish me and force me to potentially catch XXXX and either get sick or die from it and they are adamant I venture into a branch. I am XXXX XXXX XXXX and vulnerable. I have been a bank customer since 1988 and have lived at the same address. I had preferred status with my IRA account. It just transferred out and I fear the bank will start assessing finance charges to " steal '' my money since they froze my accounts. In my opinion, this is elder abuse and I question the bank 's solvency. 

If I try calling the numbers listed, they refuse to speak to me unless I will risk my life by going into one of their branches. 

I attached a snapshot of my accounts with the bank and the error message showing frozen accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX is reporting incorrectly. They are reporting that my account is still delinquent as of XX/XX/XXXX, but it was paid off in XX/XX/XXXX. I did dispute this with XXXX XXXX XXXX which was the original creditor. Also, XXXX has reported to the bureaus according to XXXX XXXX XXXX that there is a medical code on the account. Which is also inaccurate because it is not medical. XXXX XXXX put the issues of the reporting errors on XXXX XXXX, XXXX.
Product: Student loan

I was looking into a " student loan forgiveness program '' and I came upon Equitable Acceptance. I spoke with this company on XX/XX/XXXX for over an hour as they explained to me that I would need to pay {$49.00} every month for approximately 3 years and after the three years of paying faithfully my student loan would be forgiven. I was super excited and agreed to this. I have been paying {$49.00} faithfully since with extra fees added on at times. In XX/XX/XXXX I paid {$55.00} ; XX/XX/XXXX I paid {$100.00} ; XX/XX/XXXX I paid {$50.00} and {$53.00}. I received a federal loan statements in XX/XX/XXXX and this is when I became confused ; therefore I did not pay Equitable Acceptance in XX/XX/XXXX and XX/XX/XXXX. I spoke to Equitable Acceptance who then explained to me that I paid them to find a student loan forgiveness company for me and there is nothing they can do about them not paying my student loan, but I would need to continue to pay Equitable Acceptance or they would send me to collection. This of course scared me as I am currently working on my credit and do not want anything sent to collection so I agreed to start paying them again in XX/XX/XXXX. I did ask for the name and phone number of the company they had found to pay my student loans off and they told me XXXX XXXX XXXX at XXXX and I called this number multiple times ; including today ( XX/XX/XXXX ) and left messages requesting a call back and I have yet to receive a call back and each time I have called I have never spoke with a live person. Today I called and spoke to the U.S. Department of Education and told them my situation and they were very helpful and understanding and they had informed me that plenty of people has been scammed with these other companies. I really need help on what I need to do because I don't want to keep paying money to a company that is not doing what they had told me they would do for me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified information on my credit report XXXX and TransUnion I have sent 3 letters to each company and they cant verify the information they said is Ben Verified but they dont have no proof 1st letter sent on XX/XX/18 to XXXX and TransUnion 2nd letter was sent on XX/XX/18 to TransUnion and to XXXX it was sent on XX/XX/18 .3rd letter was sent on XX/XX/18 to XXXX and 3rd letter to TransUnion was sent on XX/XX/18
Product: Debt collection

I have recently reviewed my credit report and noticed that there were a few companies reporting that I have no knowledge of.I have not given written consent to XXXX XXXX XXXX XXXX XXXX company nor have I done any business nor received any goods from this company. As a FEDERALLY PROTECTED CONSUMER, I demand that this account gets removed immediately. I also ask that my CONSUMER report gets updated immediately. I also ask that this company provides proof that I have given written consent for them to report on my CONSUMER report.Thank you.
Product: Credit reporting or other personal consumer reports

Per XXXX USC XXXX Innovis is in violation of my rights to privacy by reporting non-public personal information without my permission or consent ( opt out date XX/XX/2022 ). Per XXXX USC XXXX A creditor may not treat a payment on a credit card account on an open-ended consumer credit plan. Each Violation are subjected to XXXX dollars each. Please update as NO DATA or Current.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

XXXX : XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX EXPERIAN : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wake associates reported on my credit report and I dont have an account with them and never has. The have a different name address and date of birth on the account they reported on my report
Product: Mortgage

Ya I need some serious help I am so sick and tired of lenders hiding things and making up things that are totally false and untrue just to get your loan and scam you. I put a lot of trust in this compnay and got XXXX. What happen is i was going through XXXX XXXX Branch XXXX and Business development NMLS # XXXX XXXX XXXX XXXX, Building XXXX XXXX XXXX, NY, XXXX Office : XXXX Toll Free : XXXX ext XXXX Cell : XXXX Fax : XXXX Personally licensed in : AL, CA, CT, FL, GA, IL, IN, LA, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TX, VA cid : XXXXXXXXXXXX Corporate Headquarters XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Mortgage Bankers - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my loan was already approved not to worry dont make XXXX or XXXX house payment and to go ahead and get appraisal doen however after getting appraisal there was all these hidden closen cost XXXX closing cost with XXXX less cash out becasue the apraisal didnt come in as they XXXX so i am going with a new lender i will not work with someone who with lie cheat XXXX from me and was treated like XXXX would get very upset with me especially now XXXX XXXX going with him then i saved voicemails where he has been calling me basically XXXX me XXXX me to go with them they will adjust number take out points so on i told them with a emial that i do not XXXX XXXX do this loan he kept on bother me and at time in best he would get very angry and yell at me im tired getting treated like XXXX XXXX lender i XXXX to say that he shoudl not be that way thats totall innapropraiete so I am asking if you help me get the XXXX dollers back from my appraisal or XXXX have them release it over so i can use for the new lender i dont believe that i should pay for another XXXX when i can use this XXXX and all they need to do is XXXX over and give permission to use it. Thank you XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I ordered a watch off a XXXX ad from XXXX XXXX XXXX. When I submitted the order I got a notification that my card was charged by XXXX. I was supposed to get an email confirmation of my order and then an email of a tracking number. I never got either. None of the emails on the website worked. So i XXXX the company and it turned out to be fraudulent. I notified XXXX and they removed the ad. I contacted cash app. I explained that I didnt do business with the company they charged me and XXXX had terminated the ad and I needed a refund and they havent done it. They just keep saying my card was charged without being present and my claim is denied.