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

I had met a person through a dating app named XXXX. We had been chatting regularly and moved to text and then to telegram which is a messaging service. Her username on there is XXXX. She said that she invested in cryptocurrency mining and I figured I had gotten to know this person a little so a small investment wouldn't hurt. I went on the app store on my iphone and downloaded both coinbase and coinbase wallet which are very secure cryptocurrency platforms. 

After downloading them I bought XXXX of Tether ( USDT ) cryptocurrency and transferred it to the coinbase wallet. She then sent me a link for a mining pool https : XXXX XXXX XXXX XXXX XXXX. I paid a small fee and it looked legitimate. I did not know that I was giving access to allow a third party access to my coinbase wallet. I would be mining Ethereum ( ETH ) daily and could exchange and then withdraw it to my coinbase wallet account. I made a little bit of money so I felt nothing was wrong at the time. XXXX then encouraged me to add more money as this would mean my mining percentages would increase and that money sitting in the bank was not accruing money anyway so it was wasted there. I then added XXXX worth of USDT into the coinbase wallet. This cycle continued once more with me adding XXXX USDT into the wallet as there was a reward in the mining pool of around XXXX USDT for having over XXXX USDT in your wallet as a bonus. 

Some friends at this point discovered I had been investing in cryptocurrency mining and one friend stated he had been scammed out of money before and said when he tried to withdraw money back to his coinbase and then to his bank account the money disappeared. I then withdrew XXXX from my coinbase wallet to coinbase with no issue, but when i tried to withdraw the remaining money, that transaction failed. Immediately following this failed transaction there was another transaction that sent the full amount ( XXXX ) of my remaining USDT to another recipient. 

I called coinbase and filed a complaint and they returned me an email with the following information " After an extensive review of the transaction details provided, the unauthorized activity you reported appears to have resulted from a signed transaction that approved a malicious third party to transfer funds from your Wallet on XXXX XXXX XXXX  XXXX. You can review this Approve transaction associated with your address on XXXX, using this link : XXXX XXXX XXXX This transaction gave the malicious third party access to the funds held inside your Coinbase Wallet. We appreciate that you did not consent to this Approval transaction with the intent of actively compromising your funds. However this can be a common method through which a malicious third party can target and victimize users. '' I have netted a XXXX loss in this scamming incident and coinbase has stated they are willing to fully cooperate with all law enforcement investigations pertaining to my wallet 's compromise. 

Please let me know if there is any other information I can give to assist you in this investigation. 

Thank you for your time.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021, my Coinbase/Coinbase Pro account was restricted from buying and selling any digital currencies that I was holding ( XXXX, ETH ). I was holding on roughly $ XXXX {$7000.00} in value prior to the decline in price so was trying to sell however Coinbase restricted any attempt. Even worse, I had USD in my account that I attempted to transfer out after they restricted my account. Any attempt to transfer out my own USD resulted in a canceled transaction. The only USD transfer they allowed was moving from Coinbase Pro to Coinbase but my funds are still locked in Coinbase. 

I submitted my first ticket XX/XX/2021 and submitted tickets every two weeks with no response. I reached out to @ coinbase_support on XXXX and actually received a reply on XX/XX/XXXX. However, there was no update since. It is currently XX/XX/XXXX and my BTC/ETH/USD are still locked up in my account. I need it unlocked so I can access my own funds.
Product: Credit card or prepaid card

It is all detailed in complaint number on my account XXXX The case was closed because my feedback was not timely posted on CFPB. However, during this time XXXX at Netspend would not return my calls. In fact, the call she refers to on XX/XX/XXXX was me trying to reach her. I have not been able to submit the documentation that supports my complaint and dispute of {$140.00} of charges that are complete theft of my Stimulus, the 3rd installment from the Corona virus pandemic. I have proof that I do not know how to submit that there was a card already on the account that was 100 % fee free. I have the card number and account number and documentation to support this. It was a card via PayPal. On the same account the funds were deposited to. The amount of time I have spent on this is absolutely embarrassing. I urge CFPB to request the recorded phone conversations that were had between myself and various employees of Netspend. In addition, the IRS sent me a letter that the funds from my 2nd Stimulus were deposited to the same account, but Netspend says it is not true. Well I have the letter from the IRS I want to submit that, as well. Please help me acquire these recorded phone calls per my account at Netspend to demonstrate the lack of interest the company has in truly resolving issues that have harmed the customer.
Product: Credit card or prepaid card

I have fraud on my target credit card. I contacted target immediately when I noticed the fraud charges, I was told nothing they can do I need to call back during business hours when the fraud team is open! Excuse me???? Why do I have to call back because the team isnt 24 hours???? First off all the amount of charges and the high dollar amount you allowed on a fairly new account is unacceptable. Target should have immediately stopped these charges and contacted me but instead let them go through! THEN when I Called the fraud department they said I have to fill out a form before they take a fraud claim. Excuse me??? Im not filling anything out!!!! Take these charges off my account now!!!
Product: Money transfer, virtual currency, or money service

I was using my cash app just fine at the gas station before leaving out of town. Next thing I know my cash app is frozen when I tried to send money to my little brother so he could eat.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or a contract to do business with this company. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Money transfer, virtual currency, or money service

My computer was hacked and as a result, various crypto purchases were sent on XX/XX/22 to XXXX {$1500.00} XX/XX/22 to XXXX  {$950.00} XX/XX/22 to XXXX {$500.00} XX/XX/22 to XXXX {$1300.00} XX/XX/22 to XXXX {$1500.00} XX/XX/22 to XXXX {$1500.00} XX/XX/22 to XXXX {$1000.00} Total {$8200.00}
Product: Mortgage

XXXX of XXXX, we were 30 days late on our mortgage payment due to covid. We contacted Planet Home Lending to let them know we were struggling. They offered a verbal agreement for us to go into forbearance. We then received a notice in the mail that we had been put into forbearance due to covid. We have since been in forbearance because of our small business being affected by covid. In the mean time, we hired a credit repair company to assist with debts. They contancted planet home lending to remove previous lates on our account. Since then XXXX reported us 150 days late on our mortgage to all credit bureaus. This is the time we have been in forbearance. Weve been in contact with XXXX, they are giving us the option to pay the debt of {$15000.00} in cash by XX/XX/XXXX or a modified loan deal through them, giving us a 3.0 % interest rate. We feel This is unfair. If XXXX hadnt reported us late 150 days late while in forbearance, we could have shopped around for a much better interest rate. They seem to have backed us into a corner, and we feel this is unfair and unlawful. We would appreciate any help you can offer us ASAP. The deadline is within a couple days ( XX/XX/XXXX ). We are asking that they remove all derogatory marks on our credit during this forbearance term, and give us an extension of 6 months or more to enable our credit to go back to normal.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX  Balance : {$990.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX is a secure credit card is reporting as In collections/Charge off when account status is saying paid. This is in accurate information.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized and can NOT be validated.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious concern regarding the handling of my personal and financial information. In 2023, I received several emails notifying me that my confidential information, including my Social Security number, had been compromised in a data breach. These notifications came from entities such as Equifax, XXXX, XXXX, and XXXX. 

Despite this breach, I have observed that inaccurate or potentially harmful information remains on my credit report. As a victim of this breach, I believe this data should not be considered reliable or valid for reporting purposes. 

To resolve this matter, I request the following actions : XXXX. XXXX XXXX : XXXX a thorough review of my credit report for inaccuracies resulting from the breach. 
XXXX. Notification of Results : Provide a detailed explanation of your findings and any actions taken to correct or secure my information. 
XXXX. Breach Documentation : Share any additional details or updates regarding the breach and your measures to protect affected individuals like myself. 

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and provide a timeline for addressing my concerns. If additional information is required to proceed with your investigation, feel free to contact me directly.
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : Bankruptcy # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX  and XXXX XXXX XXXX. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX  XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. D and A Services XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.
Product: Credit reporting or other personal consumer reports

These inaccuracies have been disputed consistently for two years and XXXX refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's or data furnishers are providing the consumer with accurate report. 
My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to XXXX and Midland Credit Management via certified mail. I can only assume that I will get the same response I have for the past to XXXX years so I legal proceedings will began as well. 


This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I noticed several inaccuracies on my account after reviewing a copy of my credit report. This account is hurting my ability to obtain credit. I understand you will investigate these items for me to ensure their accuracy. I request that you examine and verify the following items in the account below as accurate. 

Account Name : XXXX Account NumbeXXXX : XXXX
Product: Checking or savings account

I was charged fees and my money was taken on several occasions even if it said I had money once they took my whole tax check for XXXX and said there was nothing they could do about it because they could not locate where went to
Product: Credit card or prepaid card

Hello, I reported unauthorized claim to my bank Chase freedom credit card back in XXXX for airlines tickets that appeared on my statement i explained to the bank that i never made any kind airline tickets at that time or my family didnt make any purchase at that time associated with the company listed .I was charged four times {$290.00} XXXX, {$2500.00} XXXX, {$2000.00} XXXX, {$1500.00} XXXX. 
two weeks ago i saw those charged appeared back in my account i called the bank to ask why those charges back in my account they couldn't give me legit reason on why my claim was denied, they keep telling me investigator will call me but i never received any phone call from the bank or they didnt send me letter. chase freedom card want to me to pay full balance without knowing why my claim was denied and they never made attempt to contact the merchant.
Product: Credit reporting or other personal consumer reports

I have concerns and issues on my credit report that needs to be addressed, this complaint is not a mistake or sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting my life and my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Account : XXXX # XXXX, Account : XXXXXXXX XXXX # XXXX, Account : XXXXXXXX XXXX # XXXX, Account : XXXX XXXX service # XXXX, Account : XXXX XXXX Bank # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX # XXXX, Account : XXXX XXXX XXXX  XXXX # XXXX Account : XXXX XXXXXXXX XXXX  XXXX # XXXX, Account : 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 a account without my written instructions
Product: Debt collection

WENT TO EMERGENCY ROOM XXXX XXXX, XXXX HAD HEALTH INSURANCE COVERAGE FROM 2 SOURCES XXXX XXXX XXXX THRU EMPLOYER AND XXXX XXXX THRU STATE PHYSICIAN FAILED TO FILE A CLAIM FOR PAYMENT IN A TIMELY MANNER AS STIPULATED ON THE HEALTH INSURANCE CONTRACT AND FAILED TO FILE AN APPEAL FOR SUBMITTING CLAIM LATE. NOW IT IS IN COLLECTION IN THE AMOUNT OF XXXX AND HAS DRASTICALLY IMPACTED MY CREDIT SCORE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XX/XX/XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XX/XX/XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XX/XX/XXXX. This loan was accelerated on XX/XX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.
Product: Payday loan, title loan, personal loan, or advance loan

So ensolarsolar panel sales men came to my home explaining to me that the government is giving away solar panels that will be paid of with tax credit and only a electric bill of XXXX dollars and XXXX solar panels till I recieve the tax credit and then I would only be paying XXXX and they couldnt approve me because my credit and they got my young XXXX XXXX XXXX son to be a co signer and I am paying XXXX electric bill and XXXX panel. Im a XXXX. XXXX they took advantage with there scam and they had a tablet that explain what they told me and when they got to the office they told me the signature didnt go threw and that is were is XXXX for 25 years and I cant afford it. They need to stop the elder abuse. Also goodleap is participating in their scam.. I cant afford those panels they need to take them because they scam me a lot of my friends. Please help Im in so much stress because I dont want my young son losing his credit because this scammers are doing this to lots of people in Florida XXXX I cant read XXXX because Im XXXX XXXX but I do speak it but dont understand anything that is in the fake contract they created
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX allowed XXXX XXXX XXXX to report to accounts to my credit file without verifying. XXXX XXXX XXXX has violated the Fair Credit Act. This company did not send anything to me in mail for debt validation and they never sent out a bill to me at all. This company did not allow me the right to dispute this debt in 30 days. I would like these two accounts removed from all three credit bureaus immediately. 

XXXX XXXX XXXX amount {$72.00} XXXX XXXX XXXX amount {$62.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

" Under the Fair Credit Reporting Act 15 USC 1681 Section 602 a states " It is necessary to ensure that credit reporting agencies discharge their serious responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to ensure that my private information is not disclosed, which is supported by 15 USC 6801, which states, " It is the policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the nonpublic personal information of those customers. '' ( transmitters of information to credit reporting agencies ) is a financial institution as defined in this title. 15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), a consumer reporting agency may provide a consumer report only under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. '' ( disclosure of information to credit reporting agencies ) the financial institution and the consumer reporting agencies XXXX, Experian, and XXXX Do Not have my consent to share this information, and they certainly do not have my written consent. Any consent to XXXX, Experian, XXXX ( suppliers of information to credit reporting agencies ), whether oral, non-oral, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how to exercise this option not to disclose. '' ( XXXX of XXXX XXXX XXXX XXXX XXXX ) never informed me of my right to exercise my right not to disclose. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as permitted under subsection ( b ), no consumer reporting agency may provide a consumer report that contains any of the following information Any other adverse information, other than records of felony convictions, that dates back more than seven years to the report. '' This account is adverse information that they are re-reporting without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states, " A person shall not provide information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Each consumer reporting agency shall maintain reasonable procedures designed to prevent violations of section 1681c of this title and to limit the provision of consumer reports to the purposes specified in section 1681b of this title. '' XXXX, Experian, and XXXX do not follow adequate procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to withdraw at any time. '' I am opting out of your reporting services.