23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX2017 Balance : {$XXXX}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX2020 Balance : {$XXXX}.
Product: Checking or savings account

I have been banking with Bank of America for many years. I received a letter closing my business bank accounts ( 2 ) and 1 credit card. Bank of America has given me 16 days to close out any existing business. This puts an unfair hardship on my business. Currently I have 3 employees which I run payroll through the bank of america portal. I need more time to switch payroll companies. I believe the bank is retaliating against me and my business for previous history and is now causing damage to me and my employees.
Product: Checking or savings account

I am writing to file a complain against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

Prestige claims to be a second chance loan offering. They aren't. They take advantage of people with incredibly high interest rate loans that they tack fees upon fees on to the note. They offer to help but they really seem to want to hurt people more than anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; I XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXXe XXXX XXXX XXXX Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase, Inc., several years ago. I used that account to purchase and sell digital currencies such as Bitcoin. It has been some time since I last accessed my account. When I tried to gain access to my account over one week ago, Coinbase locked my account presumably because of an issue with the authenticator application. My authenticator application that was once linked to Coinbase was disconnected. For me to reset my password and gain access to my Coinbase account, Coinbase 's online instructions state that I must log into my account and link my authenticator application through the Coinbase settings. But this process is circular and leads me to a dead end. I need the authenticator to provide me with the code I need to log in, but the authenticator will not work until I log into my account. 

Coinbase does not have live support. I have emailed their helpdesk multiple times and nobody has reached out either by email or telephonically. This is important because I have deposits in that account and Coinbase 's inability to respond and get me the help I need to gain access to my account is unacceptable. Coinbase should not be serving consumers if it does not have the infrastructure to provide timely account support. I may have lost significant amounts of money due to my inability to log in and find out about the status of my cryptocurrencies, which as one might expect is a volatile investment.
Product: Student loan

I attended the University XXXX XXXX and opened a loan from EDFINANCIAL to pay part of my school bill at the time on XX/XX/2015 and right now its at its wort payment status with a balance of {$6700.00} and it is affecting my credit i need it off of my account before things get worse
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

At the time of service, XX/XX/year> I paid XXXX XXXX the co-pay. Two weeks later I received billing requesting for payment. I called the billing company XXXX to dispute and told them that I already paid and have the receipt with me. They did not take my receipt transaction number only stated that there was a system downtime in their transaction system and could not retrieve the invoice. They said it will be resolve in 30days. After 30days, I received another billing invoice and called them again in XXXX. They said they will resolve the problem but refused to take my transaction number. 

After 60days, in XXXX the company send the debt to the XXXX collector ( Business Revenue Systems, Inc. ) I called XXXX ( XXXX XXXX billing company ) again on XX/XX/XXXX and told them my situation. They requested that I email them the receipt which I did. They said they will take care of it in 30days. 

I also called Business Revenue Systems to notify them the situation and gave them the receipt transaction number. 

The billing company negligence is causing a lot of my time and frustration. Furthermore, this will hurt and have negative impact to my credit score which I tried very hard to maintain a good credit score the last couple decades. I just hope this does not happen to other people. I learned to keep all receipts and check your billing balance frequently. Keep all correspondences in case this situation happens.
Product: Credit card or prepaid card

American express business made an unauthorized hard inquiry on my personal credit report. Additionally, to add insult to injury they denied me credit based on fraudulent and libelous information by way of reports that have not been verified, validated, and/or are outdated. They also took access of my personal information and forward it to a third party company. Please instruct XXXXn to immediately removed all unverified reporting information and have Amex correct any and all decisions made based on those unlawful reports.
Product: Debt collection

I don't owe or have an account with this company. They are looking for someone else that is associated with my phone number. I tried several times to get this company to stop calling my cell number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Santander Mortgage Loan # XXXX Issue 1 : Santander has discontinued/stopped reporting all loan payments to the three credit bureaus, XXXX, XXXX, and XXXX effective XX/XX/XXXX to current date under the primary borrower/payor XXXX XXXX XXXX XXXX XXXX myself ) . 

On or about XX/XX/XXXX, this mortgage has been sent to the Bankruptcy department of Santander due to the co-borrower, XXXX XXXX XXXX XXXX having included this in his bankruptcy filing. I, the primary borrower, am not and have never been in bankruptcy and have been the sole payer of the mortgage since our divorce in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX has not resided or paid the loan on the property of the Mortgage since XX/XX/XXXX. Outside of being the original borrower in XXXX, XXXX XXXX XXXX XXXX has nothing to do with this account. 

I am filing this complaint to enforce Santander to re-instate the Mortgage reporting of timely monthly payments dating back to XX/XX/XXXX to current and beyond for the life of the mortgage for credit reports of XXXX XXXX XXXX XXXX at XXXX, XXXX, and XXXX. 

Issue 2 : Santander has stopped issuing monthly paper statements via mail or any electronic format for access to XXXX XXXX XXXX XXXX. I also have been shut-down from being able to log-in to access my Santander mortgage for viewing the account, making payment, or any e-banking function otherwise. I emailed a Letter of Request for Reaffirmation/Reinstatement dated XXXX. In this letter I requested Santander to correct/update the credit bureau reporting , allow me to have statements, and to regain online access to the account. 

On XX/XX/XXXX I received an email from the research department of Santander stating that since relief was granted ( I have no idea what that means, again ... I am not in bankruptcy nor have ever, so I don't understand terms ) That since relief was granted, Santander is unable to remove the internet stop on this account. As such, the online payment option will not be available to me. 

I am filing this complaint to state that I feel my consumer rights are being violated by the refusal to access my own account by both a block on my account to access via online and by discontinuance of paper statements. Additionally Santander should be reporting to the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Ph. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I maintain credit freezes with all 3 major credit agencies. I responded to a re-fi offer. That company exclusively uses Experian for credit checks. I told the re-fi people I would lift the freeze for them and we coordinated the number of days they would need. I went online to perform this, which I have performed numerous times before, since I have had freezes for at least 20 yrs. The process would not work and all I was given for recourse online was a phone number. I phoned the number numerous times trying different combinations of 'number selection ' in their decision matrix only to always end up at " send documentation via USPS , wait a while, and we'll lift the freeze ''. 
This is totally unsatisfactory since rates are changing daily. I emailed Experian about the problem a few times and they continually offered 'help ' by having me call the exact same number that 'dead ends ' at 'send us mail '. They provide no way for communicating to resolve this inability to control my frozen account. The account remains frozen and I still do not have the ability to lift the freeze. During the course of this, the agent selling the re-fi was himself able to get around the supposed security offered by Experian and lift the freeze himself. I believe this is a clear violation of the law. He did have my ssn and personal info from the application process, but he did NOT have my pin number, so I can not understand how this occurred. Experian refuses to provide a working phone # to resolve this problem and refuses to offer help/instructions to allow me to control my frozen account and offers no methodology to fix whatever computer issue may be at fault. This amounts to a denial of credit at the least.
Product: Credit card

US Bank Dispute Case ID : # XXXX On XX/XX/XXXX, I purchased a vintage XXXX XXXX watch from XXXX XXXX for {$500.00}. Upon receipt and inspection, I noticed several discrepancies indicating the watch was counterfeit. Specifically, the XXXX XXXX logo was missing from the crown and caseback, and the lettering spacing was inconsistent with authentic pieces. To confirm my concerns, I sought a second opinion, which supported my suspicion of the watch being a fake ( see attached screenshot of email exchange with watch dealer ). 

I contacted XXXX XXXX customer service to address the issue but did not receive a response. As a result, I filed a dispute with US Bank on XX/XX/XXXX, providing detailed information about the fraudulent transaction and the counterfeit nature of the watch. 

On XX/XX/XXXX, I was informed that US Bank was closing the dispute because they claimed I had not provided the necessary information. However, upon reviewing my records, I found that US Bank had sent me an additional dispute form on XX/XX/XXXX, even though I had already submitted a completed dispute form with the requested information. To ensure compliance, I filled out and uploaded the form again via the document-sharing section of the dispute portal ( evidence attached ). 

Despite my efforts, US Bank has not re-opened my dispute claim. I contacted them twice, including on XX/XX/XXXX, to request that the case be re-opened, as I had provided all the necessary information both initially and in subsequent submissions. US Bank has continued to deny my claim despite evidence that I was sold a counterfeit watch. 

I am requesting that US Bank re-open my dispute, thoroughly review the evidence provided, and take appropriate action against this fraudulent transaction. I am willing to provide US Bank any additional information needed to help regarding this transaction and my dispute claim. 

Thank you for your attention to this matter.
Product: Checking or savings account

My XXXX was compromised in XXXX I have spoke with my bank, and I waited for 13 days for an answer for my dispute to learn that I was denied I got my Taxes back on XX/XX/XXXX. My money was drained out of my account XX/XX/XXXX and XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX went and I was playing a game, and I decided to play with him for second time with more money this this time, but it was something suspicious, that I could not understand. He kept offering me more money or more bouns. After never seen my money for the game, he block me I reported back to XXXX and have XXXX change the password when I see you next day my account had been drained now Credit karma will not give me my money back
Product: Credit reporting or other personal consumer reports

XXXX and XXXX supplied XXXX with the information and failed to properly investigate and resolve the consumer disputes about the credit reporting so I am disputing report number : XXXX. 

A XXXX XXXX ( Citigroup ) & XXXX XXXX were instructed to report a very old ( identity theft/scam ) closed and charged off account to XXXX and XXXX, using an invasive entity called XXXX XXXX XXXXXXXX XXXX ( another XXXX ) and it recently showed up on my credit report. This company likes to use various illegal tactics ( e.g. mail fraud XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX retail purchases or discriminatory practices ( e.g. XXXX, XXXX XXXX ) etc, to set you up and illegally collect data. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, known aXXXX XXXX  on XXXX ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX ; violated provisions of the Fair Debt Collection Practice Act and are part of a class action lawsuit pending in the U.S. District Court. My information was also posted publicly ( I am a victim of identity theft ) on a private investigator XXXX XXXX website called XXXX - part of the long list of illegal XXXX activities from this " XXXX '' and their affiliates. They also put an inquiry named XXXX on my credit report but did not provide an address or any other identifiable, source, information. I filed an inquiry with XXXX requesting more information on the XXXX inquiry however XXXX never responded with the contact information details. 

Citigroup Tops List of Banks Who Received Federal Aid - XXXX XXXX XXXX XXXXXXXX https : XXXX XXXX XXXX XXXXXXXX XXXX dollar government bailed out Citigroup and XXXX XXXXXXXX XXXX XXXXXXXX have a history of using RICO, deceptive and unfair practices. XXXX dollar government bailed out Citigroup along with XXXX get pleasure out of targeting vulnerable consumers such as XXXX Veterans. XXXX dollar government bailed out Citigroup along with XXXX violated federal consumer protection law and reported inaccurate information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my latest personal credit report it shows a credit card that is not mine. XXXX XXXX : XXXX XXXX Bank XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Monthly Payment Monthly payment {$910.00} Date opened XX/XX/XXXX Loan type : CREDIT CARD account type : Revolving Account Date updated : XX/XX/XXXX Payment received : {$0.00} Pay Status : Account 30 days past due date Terms : {$910.00} per month paid monthly High Balance History : high balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX : {$8.00} from XX/XX/XXXX to XX/XX/XXXX. 
{$16.00} from XX/XX/XXXX to XX/XX/XXXX ; {$19000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX remarks : FIRST PAYMENT NEVER RECEIVED
Product: Debt collection

Th debt is not mine. I did not authorize the debt. The debt is fraudulent.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I filed a dispute with PayPal on a transaction through XXXX. I notified PayPal Credit and Pay about the transaction dispute ; on XX/XX/2021, Paypal Credit put charged {$280.00} ( Transaction ID XXXX ) back on my account. Paypal never closed my account dispute ( Case ID : XXXX ) ; they sided with the person that conned me on XXXX. A seller sent me the tracking number ; however, the item was not a XXXX switch. It was a bag of rubber bands that they sent to me. I felt that this seller had duped me. I have provided the pictures to Paypal to show proof with the tracking number included with the package. After the item was purchased from XXXX, the person removed his account from the seller 's log. I provided the information with pictures. I sent all the information to Paypal, yet they sided with the seller. I will not allow the seller to con me. I sent all the evidence to Paypal ; it angers me that they sided with the seller without contacting me for more evidence. They have delayed the dispute ; the credit card company ( Paypal credit ) recharged {$280.00} without contacting me immediately. I feel that Paypal is looking the other way, allowing fraud transactions to occur. I waited over 4 hours to reach a live person they still did not resolve my situation. I had to hang up. Its been over four months since they never replied and I am not able to get a hold of anyone.
Product: Bank account or service

Someone hacked my daughter 's deposit mobile on her cell phone and deposited XXXX checks into XXXX separate accounts. The hackers also did several other transactions with the accounts from grocery stores and various ATMs. The funds from the fraudulent checks were immediately available so the hackers transferred the funds between the accounts until they found an account that they could withdrawal money from an ATM. The bank says we are responsible for the money taken even though we are victims of identity theft. The bank has procedure for customers to file for identity theft and are victimizing us twice. We have filed police reports and reports with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud committed against me and reported it to Discover, XXXX and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I made a instant transfer from square cash app in the amount of XXXX dollars to my XXXX debit checking account. For whatever reason XXXX  declined the transaction and said the transfer declined and never accepted which was automatically sent back. Well its 2 years later and my transfer is still missing from both parties. Cash app keeps telling me to get the transfer information from chime but XXXX  says they dont have it. Cash app is saying they sent it as a merchant refund which is unacceptable because I didnt transfer as that. Now they arent trying to find my transfer. I need my money located and put back into my account by cash app.