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

Coinbase was wired {$6000.00} from my bank XXXX XXXX XXXX XXXX in XX/XX/year>. By early XX/XX/year> it had been discovered that the entirety of those funds were fradulently accessed, along with my Coinbase account and sent to a fake financial institution. I made Coinbase aware of the fradulent transaction and under regulation XXXX it is there responsibility to issue a provisional credit for that amount back to me account or to refund the fradulent transaction in it's entirety. 

Coinbase has refused to accept any responsibility and refuses to issue any type of provisional credit or refund to my account. I am requesting Coinbase return the entire {$6000.00} to my bank XXXX XXXX XXXX XXXX. My bank also notified Coinbase of the Fradulent activity and requested the wire be sent back to them and Coinbase also did not comply with my banks requests. 

Please see attached wire transfer refund request from my bank bringing the fradulent activity to coinbase 's attention.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial losses.
Product: Checking or savings account

There is fraud committed on my account and Bank of America has failed to return the XXXX whose is also illegally taken out of my account by the same person they allowed to walk in and take {$2500.00} on my account Bank of America did reimburse me to XXXX but not the XXXX the total claim {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 6 Hard Credit checks in the past year, the 4 most recent ones are all fraud and have significantly impacted my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried contacting the companies, they tell me they denied the credit and there is nothing they can do, so they instruct me to call Equifax, XXXX, and XXXX. I have done so and placed freezes on all my accounts. They tell me to contact FTC to remove inquiries. The FTC tells me to contact CFPB. This is NOT an easy process for someone just trying to block/report fraud. 

I have uploaded docs from XXXX, and XXXX XXXX ( who didn't hard check my account probably because I already bank with them ). I will continue to reach out to XXXX, XXXX XXXX and XXXX XXXX, but they make it VERY hard.
Product: Mortgage

We are trying to refinance our house. We had been with XXXX which sold out to XXXX XXXX XXXX and has now sold our mortgage to Nationstar. 
We have given written and verbal permission to Nationstar to share information with XXXX XXXX Bank to refinance. This process started the XXXX week of XX/XX/XXXX. 
For some reason the loan was being held up and not being released to XXXX XXXX Bank. We were finally able to find out that they were stating we had XXXX liens on our house. It seems that when we bought the house and we used VA to purchase and then a few years later when we refinanced we went with FHA. The VA loan was never removed by either XXXX or by XXXX XXXX XXXX. So we have asked Nationstar to remove the VA loan as it is not correct, we are being stonewalled. We are told it would take a month to remove. I sent an email requesting that this should not take a month to correct an error of this type and was told that it would be considered and we will be notified XX/XX/XXXX. 
I feel that our mortgage is being held " hostage '' because they for some reason do n't want to release it to XXXX XXXX. I ca n't think of any other way to explain this. All the people who have been trying to obtain information are amazed as to the way we have been treated. The numerous people I have spoken to at Nationstar have been very unhelpful. I have even call the corporate office and the woman I spoke to was amazed that this was going on. 
We just want to move on and change companies and complete this process.
Product: Money transfer, virtual currency, or money service

XXXX transactions were made that were not authorized and I could not get my money back. 
XX/XX/XXXX through XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked them to be removed and the credit bureau have not. I will be providing an identity theft report and Im requesting them to be removed because there are inaccurate and not mines.
Product: Credit reporting or other personal consumer reports

I contacted Equifax multiple time regarding my consumer report. They are keeping me out of my account to dispute anything properly. As a federally protected consumer I have a right to remove adverse information from my report. I have been a victim of XXXX XXXX  and this information that's being reported is being reported inaccurately!
Product: Debt collection

I had a dispute with a cellphone company due to bad service and cancelled the contract, then the cellphone company turned me over to a collection agency so I contacted a lawyer and he sent the debt collection agency a do not contact me letter but im still getting letter from the company. my lawyer says the company violated the law and owes me {$1000.00}.
Product: Credit reporting or other personal consumer reports

This is a formal request for removal of mistaken public information recorded on my credit report. I contacted Transunion, to reinvestigate this account I have previously disputed XXXX  XXXX Bankruptcy : Bankruptcy Ref # XXXX with you, and in response, you verified the item as accurate, But how is that possible if this was investigated by XXXX and XXXX and resulted in the same conclusion, a removal from my credit file. I have enclosed a deletion notice from XXXX. I notified TransUnion twice but TransUnion refused to fix and instead just " parroted '' back what the company said. 

Under 1681e ( b ) maximum possible accuracy and section 1681i- which this was a lousy investigation.
Product: Debt collection

Contacted Ideal Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to settle a debt. Company withheld offering a settlement to the original creditor ( i.e., did not even present the offer ). Even once I/consumer disclosed that the original creditor would accept a settlement of at least XXXX if presented ( per their agreement they should at the very least present an offer ) XXXX XXXX and another female debt collector of the company said they would not uphold their agreement with the account holder because I should have paid the bill, and not wait until the bill was stopping me from getting something. Filing this complaint due to harassment and request that my debt is settled with another collection agency or the original creditor or they uphold the agreement made between the original creditor and debt collection agency.
Product: Debt collection

I been receiving phone calls of harassment, profane, injurious and abusive language, death threats and threats of being arrested and sent to jail and prison from IC System Representatives for an account from XXXX XXXX XXXX XXXX for {$1200.00}. The account and debt is a fraudulent account and debt, and is the result of identity theft. The fraudulent account or debt isnt my account or debt. IC System is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law.
Product: Credit reporting or other personal consumer reports

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 I don't want this on my report, it hurts my credit history and it's not mine.
Product: Mortgage

We received a notice dated XX/XX/2020 from our bank that our mortgage company, Freedom Mortgage has reported our mortgage payment as " delinquent '' to credit bureau. Not only has our account NEVER been delinquent, we are paid through XX/XX/2020. When we contacted Freedom Mortgage 's Customer Service, they acknowledged there was no history of delinquency. Rather than fixing the problem within Freedom Mortgage, we were instructed to submit an email to dispute the filing. 

According to the CFPB data base and other official sources, Freedom Mortgage has a history of unethical practices. Since this is their error as acknowledged by their Customer Service department, why is the responsibility to make the correction on us? Why wasn't this done immediately in-house rather than requiring us to file a dispute? 

Furthermore, we question the timing. We have been contacted by Freedom Mortgage to refinance at a lower interest rate which we have not done. We believe this action of reporting our payments as delinquent is a deliberate action by Freedom to sabotage attempts we may have of refinancing with another lender by wrecking our credit. 

We were not pleased when, immediately after closing on our home last year, that the mortgage was sold to Freedom as we have read horror stories about their practices. We believed if we kept our heads down and maid the payments on time that they would leave us alone. We were wrong. Please help.
Product: Debt collection

Threatening to collect a debt without giving me a timely manner on how to figure this out
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. XXXX XXXX XXXXXXXXXXXX XXXX XXXX5 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX 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: Credit card

Best Buy is refusing to refund me for items I didnt receive even though XXXX  has sent claim paperwork for both items they have only refunded me for one I have contacted Best Buy credit card with all this information and they are refusing to help me as well even though I never received the items and I have shown them proof
Product: Consumer Loan

At the beginning of XXXX 2015 I applied to Navy Federal Credit Union for a used auto loan and was approved. I had the vehicle info, the dealership info and all other information that was needed to purchase the vehicle. Before everything was finalized, the vehicle was sold. I cancelled that loan with no problems. Around XX/XX/XXXX I found another vehicle and had all the required info in hand I applied and was approved. That vehicle was also sold before everything was finalized. I called Navy Federal to cancel this loan and spoke to a member service rep and he told me he cancelled the loan and everything was good to go. A couple of days later I am checking my accounts and this loan is now showing up as XXXX of my accounts. I called Navy Federal again and was told the loan was never cancelled by the other member service rep. This rep said they would take care of it. It did n't happen the second time either. The XXXX time I called, emailed through their website and complained on their XXXX page and finally the loan was cancelled but the damage was done. Navy Federal reported this loan to the credit bureaus as if I had received it and given it to the dealership to purchase the car. I called XXXX times to cancel this loan, never went into the bank to pick it up and never purchased a car but this loan is now on my credit report as an open account for {$46.00}, XXXX. I asked Navy Federal to submit something to the credit agencies XX/XX/XXXX and they told me it was not their job to submit anything and pretty much it was all on me dispute it. Even though it was their fault they submitted this fraudulently, it was my job to fix it. I have tried going through dealerships since then to receive financing but no one will give me financing because my credit report is already showing I have this loan for over XXXX already open and it 's making it seem as if I have almost XXXX in debt right now. I do n't, I am only {$22.00}, XXXX. I explained to them what happened and still no luck on getting financing. I still do n't have a car either. I applied again to Navy Federal on XXXX XXXX 2015 and now they are denying me credit. Even though they approved me for a used auto loan all the previous times I applied and XXXX credit cards. I 'm sure they are denying me credit for the same reason everyone else, this open {$46000.00} used auto loan that they submitted to the credit reporting agencies and that 's still showing up on my credit report as open. Now my credit score has dropped a lot because of this and because of all the inquiries by the dealerships trying to get me financing. After all of this, I still have no car, have to rent vehicles or borrow a friend 's car for anything I want to do now. They still have not accepted fault in this and in my honest opinion are not seeing how frustrating and aggravating this is. I am now seeking legal advice and legal action because I need a car and Navy Federal has really left me with no other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

EMAIL ADDRESS : XXXX MAILING ADDRESS : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX , MD, XXXX While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and is also a clear indication that this information was NOT properly verified upon you receiving it. Equifax is reporting inaccurate information regarding my DATE OPENED with the following accounts ; > <ACCOUNT # 1 : THE BUREAUS # # # # # XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX.> <ACCOUNT # 2 : XXXX XXXX XXXX XXXXXXXX # # # # # # # # XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # XXXX : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 4 : XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX XXXX however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 5 : XXXX XXXX XXXX XXXX : XXXX XXXX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 6 XXXX XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 7 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I obtained a leased vehicle with XXXX XXXX services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment. 

At the time I was in college and a student, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible. 

About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college. 

2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to XXXX XXXX incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.
Product: Payday loan

XXXX/XXXX/2015 received via mail a letter stating I am past due on a loan with Ace Cash express. 

I have never had a loan or any other dealings with Ace Cash Express. 

I called the number on the letter. Credit department acknowledged that it was a fraudulent loan. From what she told me this was an internet loan. An internet loan : Really. Hard working Americans ca n't get a mortgage and they send money without even knowing who they are giving the money to.
Product: Checking or savings account

In XXXX I order 2 gold maple leaf coins that turned out to be fake. I sent them back and never heard from the seller again. I informed the bank and they responded by crediting the money back : APR 25 CREDIT MEMO XXXX PROV {$2700.00} Now I see it has been charged again : XX/XX/XXXX DEBIT MEMO REVERSAL OF Uncategorized Expense - {$2700.00} I've already withdrawn the money. The bank seems determined to make me pay. Of course I am never going to repay the bank. I ask that that my account show a {$0.00} balance.
Product: Credit card or prepaid card

XX/XX/XXXX, our XXXX XXXX XXXX stopped working. It was purchased XX/XX/XXXX. It had a 1-year manufacturers warranty. After trying to get XXXX to extend a warranty ( which they would not ), However, Capital One ( XXXX XXXX XXXXXXXX ) have Extended Warranty Benefits up 2x the length of the OEM warranty and {$10000.00} of coverage. 

After trying to submit a claim 5x 's their " Benefits Management Department '' ( A third party service provider - AKA " Denial Department '' ) said that our card does not have those benefits, but the website clear states that my card does indeed have those benefits. 

Trying to escalate only escalates within the " Denial Department '' so it's obvious Capital One nor any of the underwriters intend to honor the benefit they advertise. 

Surely this can't be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed some hard inquiries on my XXXX credit report that i did not authorized. 1 ) the first company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below. 
2 ) the second company is " Synchrony Financial '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below.
Product: Credit reporting

Credit Karma is displaying invalid scores and this effecting personal credit applications. I contacted them and they have not answered another than run around of confusion. XXXX shows score XXXX and Credit Karma is displaying XXXX. Attached is copy of both and Credit Karma is violating my personal information with false accuracy. Since building website showing facts of inaccuracies of credit reporting agencies ( XXXX ) they are showing inaccurate information and this has been fight for three months.
Product: Mortgage

Due to internal system errors, Wells Fargo Mortgage Corporation has been wrongfully reported delinquencies on my mortgage account for the last XXXX months, even though our mortgage payments are paid automatically from our XXXX bank account for the last XXXX years, and we have never been late with our mortgage payments. We 've been contacting Wells Fargo 's customer service and they keep delaying the correction process because of their investigations of their internal issue. My credit report was perfect before this Wells Fargo 's errors, but the current bad credit reports resulting from this error has been preventing me from financing a new home or renting a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022