23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2019. I checked my bank account for my transactions. I found that unauthorized ATM transactions were made on my account over 200 miles away from where I live and work on XX/XX/2019. The transactions totaled including ATM fees of {$740.00} showing 2 transactions on the same day from the same Cash Points machine in XXXX, NC on a day that I was at work with my ATM card in my pocket. I immediately called Money Network to make a report. They canceled the ATM card, issuing me another card and sent me a claim form stating that the claim could take up to 60 or 90 days to resolve. Less than 2 weeks later after submitting the claim form, I received a letter stating the claim was denied. When I reached out to Money Network the Customer Service Rep was rude and said there was no reason for denying the claim. I appealed the denial and they denied it again with no reason and said they were closing the case. I have since made a complaint with the NC Atty Gen office with no response except another letter from Money Network stating the case was denied and being closed. My wife is out of work and we need that money back in our budget asap. I was using Money Network through my job for payroll deposits. I have since stopped my work payroll deposits due to them not honoring FDIC policies to refund my pay due to ATM scammers. I found out online that Money Network does this often to its customers. I found many other complaints on this same issue with Money Network.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and I noticed some things were reporting incorrectly. I sent a letter to Experian on XX/XX/2024 asking them to reinvestigate the completeness and accuracy of my accounts here is my tracking numberXXXX. However, I waited the required amount time, they said everything is 100 % correct. I asked them how and to send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ).

This does not make any sense to me.
Product: Mortgage

Rocket mortgage promised me a rate lock of XXXX with XXXX points paid on a refinance for an investment property. 

The banker I was dealing with put this in writing to me; and made several mistakes in the process ( apparently ). 

First he misunderstood the cash out allowable percentage ( thought it was XXXX vs XXXX ), had asked for documentation multiple times that was already provided and he missed, said he sent me emails/loan estimate that never actually came through, and at the end another broker had to call me and clarify his mistake since he was applying this under an FHA loan for some reason.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX I discovered that my email account had been compromised. I immediately logged into Coinbase on my iphone. All the Bitcoin I owned was still there, and nothing was out of the ordinary. 

I followed their specific customer service instructions. Coinbase has specific instructions on their site in case your email has been hacked. Their specific instructions are to call their 800 customer service number, and lock the account immediately. I went ahead and called the number. An automated response picked up and said my account was now locked. This seems accurate as Im no longer able to access my account. I received no case number or follow up instructions after having my account locked. 

There was also an online form to submit asking for the specific reason I was concerned about my account. I specifically stated the reason Im locking my account is that my primary email on file had been compromised. I stated in the form that they should not try to communicate with me through the email on file because it has been hacked. The online form also specifically asked whether I still had access to my phone. I answered Yes. I figured I would receive some type of communication from Coinbase by text or call to prove my identity and begin the account recovery process. Coinbase stated on their site that due to high volume they would contact me within 15 days.

Over 15 days have now passed. Not only have I not been contacted by Coinbase, I have not even received any case number to follow-up. Im hopeful Coinbase wouldnt be so negligent as to have sent my case # to the compromised email, but Im concerned this is the case. I tried to follow-up but a case number is required. In trying to follow up, their site says they will only communicate by email. The entire reason I locked this account was because the email on file has been hacked. A compromised email must be a common reason people contact Coinbase to protect their account. Not only is their no human customer service at Coinbase, they may be communicating with the person who hacked my email to restore my account. 

I notified Coinbase as quickly and professionally as possible that my email had been hacked. My level of concern over the past 15 days has grown due to the way Coinbase specifically instructed me to handle this issue. Either this company has been negligent in sending my case number to a hacked email, or negligent in not even sending me a case # after locking my account. 

I own about XXXX Bitcoin on Coinbase. It was all there when I filed the complaint over 15 days ago. Ive lost about XXXX dollars by being unable to access or sell any of this Bitcoin over the past 15 days. Following Coinbase specific customer service instructions cost me money, and seems to have put the funds in my account at greater risk of being stolen by this email hacker. I hope its still there. Im concerned and frustrated that a publicly traded company is allowed to behave in this manner. 

Thank you in advance for your attention to this matter.
Product: Money transfer, virtual currency, or money service

II am having problems with my new bank on his open up my problem is a my nephew owe me some money and he when I get paid he wrote me a check I went down to my bank that I king going to the XXXX and cashett the lady at the register told me that a has to take 7 days I had a would some day to get money back and she kept on persecuting of giving me her the check I said no when I was leaving I'm outside the bank in dress XXXX deposit in through the ATM treatments later I thought I can get money says I directly deposit {$20.00} out it did not give me no money it said An eligible account so sense I didn't get my check to lady inside the branch she flag me she shut my countdown I not know my account was flagged at all I got a loan that got dreads it to my count for me and a my went into my bank to go get out has since I am can get no money I'm doing with the money out and shut down the bank they said they flagged my account for supposedly I activity stop is fraud and does no father I is my money out and set my account they're not doing anything about it and they said they don't banker call the fried apartment they said it was because in my nephews check ID but ID posit and to the ATM I told my nephew XXXX to basely stop check stop payment so he stop payment so a got That's the bank and basically got rejected so I have available balance and they will not give me my money I behadden grounds from the get go from these eyes in the bank is called UMPQUA bank Located in XXXX Washington I try to get money out my dollars I get my up to get my money back so I can shut my back my bank account down I do have deposit coming from security and I would like to have that and since they're not doing anything um I need some help I'm not sure honey people that done this too but it's not right Am I name is XXXX XXXX Count number is XXXX XXXX My social XXXXPhone number is XXXX to XXXX cast my nephews check 3 days ago it was for XXXX that's when Glad me way before that sense I have a overdraft And Took out some money and after that they flagged me and I do not tell me at all and I show the XXXX XXXX balance XXXX XXXX  of dollars my game right now And top it off they shut up my online banking so I can't see what's Going on with my account So with them shutting down my online banking account I can't give you guys any kind of copies of anything
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX Balance {$660.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
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 process 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 inconvience and financial loss, and I seek approriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

purchased a food truck on XX/XX/XXXX through XXXX, and it was supposed to be delivered to me on XX/XX/XXXX. I reached out to the seller several times, and he told me that he will send me the title in the mail, but he only sent me a letter stating that the title will be in the mail next shipment. I reached back out to him and he said he sent the food truck, but he was only using the letter for a tracking number from USPS to provide XXXX with a tracking number, so XXXX would think he sent the food truck to me. I never received the title or the food truck. I spent {$10000.00} only to receive a piece a paper in the mail, stating, I would receive the title within next shipment, that I never received, nor did I receive the food truck.I reached out to pay pal to reverse the payment and they said the wasn't and for me to deal with XXXX because they don't deal with vehicle.
Product: Credit reporting or other personal consumer reports

Experian refuses to remove bad accounts such as old credit union accounts OVER 10 years old. Experian refuses to update my car loan account that was added into my bankruptcy. They still have it as if I owe the money. I've done probably 3 or more investigations and they yet still refuse to remove the negative info. Experian has given me fake credit scores that never showed up on any report when I've run my credit after my bankruptcy. Experian has yet to report my XXXX XXXX Credit card correctly. I've paid off my card 4 times BEFORE the update and they yet still post it as if I exceed my limit. Experian has also reported things to creditors that don't exist on my credit report and yes I have the letters. Experian has credit who have run my credit from a dealership I DID NOT authorize.
Product: Credit card or prepaid card

I pay the balance of the bill of Capital One business card on due date the XXXX of every month and they still charge me Interest but they tell me I don't pay it till the XXXX something is wrong with their system I've called numerous times to resolve the problem to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a copy of my credit report and noticed several accounts on my credit file that I never applied for and never used. these accounts are fraud and needs to be removed from account below are listed the above referand accounts XXXX XXXX XXXX, XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, {$1000.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$970.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$330.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$880.00}, ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1000.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$21000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, {$7400.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX {$8300.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX I went to the XXXX in XXXX, Virginia ( physical address XXXX XXXX XXXX, XXXX, XXXX XXXX ) to use the PNC atm. While there before i made my transaction there was a worker there servicing the atm prior to making my transaction. After putting my card in and selecting to withdraw {$400.00}, the atm machine displayed that the money would be dispensed after removing my XXXX XXXX card. After removing my card the {$400.00} was not dispensed to me. I asked the pnc atm service provider about the issue, He state i had to call PNC. After contacting PNC XXXX different times ( local branch, XXXX customer service line, and client services line ) and my card company ( XXXX XXXX ) to file a dispute. I have been given the run around. PNC says it is XXXX XXXX responsibility to reimburse me for the PNC atm discrepancy and XXXX the manager XXXX ( working XX/XX/XXXX morning shift and general manager XXXX stated PNC is responsible because they rent the space from XXXX. Neither XXXX XXXX XXXX nor PNC had any real answers other than the other party is responsible. Please Help me allocate my funds and reconcile this horrible financial issue.
Product: Credit reporting or other personal consumer reports

Self XXXX builder is paid off. This account has been closed since XX/XX/20 as a one ( XXXX ) year contract. This account still remains on my credit report as revolving account, even though it is closed. I would like this account to be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # 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: Student loan

My loan repayment status with Mohela is being negatively affected and placed in limbo because Mohela claims that I'm showing as " in-school '' at XXXX University and thus I'm under an in-school deferment right now. However, I have not been enrolled as a full-time student at XXXX University since the Spring Semester of XXXX  and my official enrollment ended in the Fall of XXXX. XXXX University has reported this information to the proper government agencies such as the XXXX XXXX. And they have confirmed this with me and have attempted to confirm this with Mohela, with phone calls and a letter. I have also sent Mohela information in regards to this matter to get this situation of inaccurate information rectified. 

In my discussions with Mohela they have made it clear they have not done their due diligence to review all information I have sent them because you can not send them direct messages on special case issues such as mine. Calling has shown to be pointless because they don't record all information properly in my account. I have been provided false or bad information regarding this situation several times. They won't confirm if they have received a letter from XXXX 's Financial Aid Director. They also refuse to take down here contact information and call her about this matter. They called me back once and left a message. However, the call back number " XXXX '' left for me to call back ( XXXX ) is a non-working number for Mohela. 

I have spent 2 now going on 3 months to try and get this issue rectified with Mohela. I have lost money, because I have had to take time off from work to call them during their hours of operations ( 12 times I have called ) and have been on hold for 1-2 hours and then another 1-2 hours on the phone to try and get confirmation on communication and information sent/received. Also, their messaging options for customer service is a joke frankly because their turn-around time or response time is about 4-6 weeks instead of 1-3 business days as they claim will happen. 

I would like to get this matter solved so my IDR or SAVE repayment plan can officially kick in and I can receive the credit I deserve towards making payments to my 120 payment forgiveness etc. I believe Mohela is intentionally illegally delaying this from happening. I do not know what else to do and neither does XXXX University which has been negatively affected by this matter as well.
Product: Credit reporting

TransUnion is reporting I have a bankruptcy in Ohio, which I do not have. I initially was going to file a joint bankruptcy with my husband, but after consultation with my attorney, I withdrew my name from that bankruptcy. I have submitted documentation from the Law firm handling my husbands bankruptcy stating that I am not a part of his bankruptcy. This is causing me significant financial harm and personal grief. The law say 's, " Upon a bankruptcy, the creditor may look to the other spouse for payment, unless the bankruptcy case is under Chapter XXXX. If the debt is a consumer debt to be paid 100 % through the Chapter XXXX plan, the co-debtor is protected by the co-debtor stay in XXXX. '' Document attached.
Product: Credit card

XX/XX/2022 I purchased XXXX flooring and products including installation, from XXXX improvement center. The contract was broken multiple times by the XXXX floor installers. I was promised compensation for faulty workmanship and for XXXX  damaged bed and bedding caused by installers. XXXX XXXX named XXXX was who promised to make things right. I am attaching a letter describing my dispute, along with photos of text messages to XXXX XXXX and blood stained bed and bedding, blood on floors, poor workmanship, documentation that supports my complaint. I filed several disputes with XXXX credit card company. First dispute credited my account and the turned around months later and recharged my account, reason they said it was charged back to me was that the response from company was I received product and was happy throughout the entire process. That statement is untrue and I was not happy with the installation or the blood damage they did to my home and furniture. I was informed to open another dispute and send as much documentation as possible, so I did and they closed second dispute for reason, 'no documentation received '. I called XXXX credit card company today, and they verified they have all my documentation. Now they are telling me to open yet another dispute, which I did. This has been going on for several months with back and forth. I can not get any acceptable resolution from any parties involved. I am disputing 100 % of the charges {$7600.00} for contract broken, XXXX  stained mattress replacement, poor quality installation, pain and suffering. XXXX gave me the run around and sent me to corporate, which also gave me the run around and now I am disputing charges with credit card company. The credit card company is not helping and they are also giving me a run around. PLEASE HELP
Product: Debt collection

FRAUDULENT DEBT ADDED TO MY CREDIT REPORT BY " XXXX XXXX '' FOR THE AMOUNT OF {$490.00}. " XXXX XXXX '' HAS NEVER ATTEMPTED TO CONTACT ME BY PHONE, E-MAIL OR MAIL BEFORE. 
NO CONTACT INFO HAS BEEN PROVIDED OR AVAILABLE ONLINE. THE ONLY NUMBER I FOUND THRU SEARCHING IS ( XXXX ) XXXX, RECORDED MESSAGE SAYS NUMBER HAS BEEN DISCONNECTED. 
I HAVE STARTED A DISPUTE WITH XXXX   AND XXXX, WILL BE CONTACTING XXXX SOON. 
THIS FRAUDULENT DEBT COLLECTION IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. I WILL BE OPENING A COMPLAINT AGAINST " XXXX XXXX '' WITH THE STATE ATTORNEY GENERAL OF CALIFORNIA AND COLORADO, WHERE THIS COMPANY SEEMS TO BE BASED OUT OF, AND THE FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my background report my SSN year issue date is wrong.