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

On XX/XX/2021 I received a text and email that a phone number had been added to my Coinbase account. I immediately logged in and Changed my password then locked my account so no further actions could be taken. I have not had access to my account since this day. No one will get back to me and no one is answering my complaints. There is not a person to talk to just an automated system that leads you no where. Since then I have submitted several requests and complaints to rectify this situation. I still have not heard anything to this day. I have contacted the SEC and FTC regarding this as well with no fix as of yet. I have lost over {$3000.00} as of now although I don't know the real amount because it flows the coins I own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently checked my credit report and realized that the following account from XXXX  XXXX XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my XXXX, TRANS UNION, and XXXX XXXX report and see there are unauthorized inquiries and accounts reporting that I did not initiate nor did I benefit from any of them. The accounts listed on TRANS UNION are fraudulent reporting from creditors XXXX  account # XXXX, XXXXXXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX. Also on TRANS UNION is an unauthorized hard inquiry from XXXX XXXX XXXX date XX/XX/year>. 

The fraudulent accounts listed on XXXX are XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX. Also on XXXX is unauthorized hard inquiries from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The fraudulent accounts listed on XXXX are XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX.
Product: Money transfer, virtual currency, or money service

I deposted XXXX XXXXitcoins ( ~ {$90000.00} ) worth from an external wallet to XXXX ( Coinbase 's trading platform ), and I got an email from Coinbase saying they received it.

Then, I get consecutive emails of them saying I have to move it from Coinbase to their trading platform manually. Finally, a last email saying they 've actually moved it to the exchange for me so I can trade it. 

It 's nowhere to be found. It 's still pending. What should be an instant transfer is not going through and nowhere to be found. 

It 's like moving money from your Checking account to your Savings account and not finding it anywhere.
Product: Credit card

I have submitted documents on three ( 3 ) separate occasions to Chase to dispute a charge for {$390.00} made on XX/XX/2024. This charge was for a return flight with XXXX. The flight was for XX/XX/2024. XXXX cancelled the flight without notification. I found out on XX/XX/2024 when I tried to check in. I called XXXX and they told me that they had cancelled my flight because I had initiate a dispute with my credit card company. The said dispute was for a different transaction amount. Which I had cleared up with XXXX and told Chase. Chase cancelled the dispute. My departure flight was not affected, only my return flight. 

XXXX told me I had to re-purchase a new flight at the current price. I told them that I had been charged for that return flight and had not received a refund. They said I would have to call my credit card company to get that refund. This was on a Saturday and Chase was closed. I purchased a new flight for the same date and time for a much higher amount {$610.00} on a different credit card. 

I contacted Chase on XX/XX/2024 and they said I needed to type a letter and send my itinerary and fax them. Please note, that they don't give you guidance as what to type on the letter and they don't provide you with any forms to complete. I wrote a letter and provided them my itinerary. They said I was liable for the charge. All they say is the charge is valid. 

I contacted Chase again on XX/XX/2024, after talking to a different agent. They seem to be understanding, and all have a different answers. I send documents once again. Only to receive the same exact letter saying the charge is valid. 

I contacted Chase again on XXXX. I asked the agent why I had to pay for a service that I didnt receive? I asked if they had even contacted XXXX or were just denying my dispute. He said that there was no new evidence, so they were not sending anything to XXXX. He told me to resend a letter and say it was a dispute not fraud dispute because the letter was going to a different department. Once again I got the same answer saying my charge was valid. 

I am attaching all the documents sent to Chase on all three ( XXXX ) occasions, from most recent to last.
Product: Debt collection

This is the second time I have made this complaint because they have not responded. I am attaching the authorization that Wells Fargo Bank asked me for so that they can speak with an attorney who is helping me with this problem. It has been more than 60 days and they have not responded to the attorney. I am attaching the authorization by this means and if they do not respond in seven days after receiving this notification I will be filing a lawsuit for a case under XXXX XXXX dollars in the XXXX XXXX of XXXX XXXX. 


On XXXX XXXX XXXX, I went to the Well Fargo bank ATM located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and made a deposit for {$900.00} and left the card at the ATM. When this happens, the cashier waits a few seconds and if they do not remove the card, the same cashier inserts it, in fact, it has happened to me other times. Within an hour I realized that I didn't have the card and called the bank immediately to cancel the card and no transactions appeared after forgetting it at the ATM. On XX/XX/XXXX, several transactions made with the card for XXXX, XXXX, XXXX appeared in the account. Call the bank and the bank refunded the money for all the transactions. On XXXX XXXX XXXX I saw in the account XXXX more transactions with the same card canceled for XXXX and XXXX made at the XXXX XXXX XXXX, immediately call the bank and make the claim. 60 days have passed and the bank has not wanted to give me the temporary credit and now they are telling me that they will not refund me anything because the XXXX XXXX store denied the claim. I mean XXXX days after canceling the card they carry out these transactions and I ask how they authorized them if the card had been canceled XXXX days ago.
Product: Debt collection

American Express representative had been calling me from number XXXX. On XX/XX/2020, I received a call from wife 's caller ID. When I answered the call, it was the American Express representative. This is called spoofing and did not think this was allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this issue resolved for several weeks now. I have contacted XXXX XXXX back on XX/XX/XXXX and the office took my message and info, and stated someone would call me back which has not happened. I also have left several messages on the recording of the billing department and has not yet received a call back either. I called today XX/XX/XXXX to XXXX XXXX XXXX and finally spoke to XXXX who was very pleasant and who advised I had a past due balance of {$68.00} due from a previous insurance deductible back in XXXX which I never knew I had because I had appointments after this, it was never mentioned or neither was I given any correspondence. She also stated it had gone to collections years ago which is why it showed that I did not owe anything and had a {$0.00} balance " in office ''. I called XXXX XXXX  and spoke with XXXX who advised they are working " off site '' ( working from home ) and someone by the name of XXXX will be contacting me. She also stated XXXX would be contacting me from a " blocked number ''. I provided my work phone number of XXXX and asked that this number does not be used for collection purposes. I am very skeptical about paying this because 1 ) .what company calls from a " No Caller ID '' or " blocked number '' and 2. ) by law any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : -The name of the creditor and amount owed -That you can dispute the debt and that if you dont dispute the debt WITHIN 30 days the debt collector will assume the debt is valid -That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt -That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 

My aunt advised me to have the collection debt to be verified and to also ask for a pay to delete so it could be taken off of my credit from all credit bureaus before paying in which I did ask XXXX XXXX from First Federal Credit Control to provide. XXXX stated they do offer pay for delete, however I would not be able receive this in writing until the balance is paid. She stated she spoke with me in XXXX which I stated was not true and asked that she also provide proof of this conversation. 

I also received the following response from First Federal Credit Control : We are a third party collection agency collecting on behalf of the creditor as a business associate. They are permitted to provide us with the information so we can collect the debt on their behalf. We are not required to provide proof of a conversation. When the account is cleared up we can remove and report it back to our client. Do to the request in this complaint we will send Ms XXXX the verification of charges. The account is marked as disputed with the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX has failed to full-fill it's legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standings. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Money transfer, virtual currency, or money service

I have an established XXXX  I buy sell and trade electronics sports cards game consoles I have business account and credit card with chase over the course of the week I have order a chase XXXX  XXXX  card reader that I got last Friday I used it for the first time Saturday expecting payment be in my account Sunday midnight after Tuesday I contacted merchant services who told me the payment is under review and would not tell me why then receive email to sum not documents showing products ein and other information sent it immediately then get email saying my account close to high risk and I can submit a reconsideration which I did and they upheld they decision and for no reason sent my payment back to consumer so now i dont have the items gym shoes and dont have the funds for my products and they XXXX party company who handles quick accept telling me to contact the buyer to recover funds or money which there is no way for me to do so and from. What I seen on XXXX Im not the only they been doing this to i was told the money be held for 30 days then all sudden its being sent back
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 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. 
XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

I was offered a promotional rate of 3.99 % on purchases. I had 2 fairly large purchases that i planned on making with the card. One was for tuition for $ XXXXThe other was for car repairs on my finance 's car. I had signed up for the promotion. Subsequent to signing up for the 3.99 % rate, I made the above two purchases and thought I made the purchases with the 3.99 % rate in place. I come to find out that I was not given that rate on those purchases. Instead, they charged me over a 29 % annual rate on those purchases. I called the credit card company to resolve the issue. I spoke to a very nice women that tried to help me and she reached out to 2 of her colleagues. I told her I would have never made those purchases using the credit card if I had known I would be charged a rate in excess of 29 % annually. She claimed she had no record of me accepting the rate prior to making the purchases and that only after I made those purchases that I accepted the rate. This was not true. This is a Jet Blue Master card. Barclays is the bank.
Product: Credit reporting

I requested my " Full File Disclosure/Credit Report '' from the company Lexis Nexis ( a 3rd Party Credit Reporting agency ) and discovered they are reporting a derogatory item, the derogatory item they list on the report is a " Bankruptcy '', under my name. I sent XXXX XXXX, ( who Lexis Nexis reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Lexis Nexis received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. Lexis Nexis has not responded to me with a decision, not reported my dispute and they have not responded to me with any action. This " Bankruptcy '' that Lexis Nexis has a record of is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores and credit granting abilities negatively. I want this " Bankruptcy '' removed. Lexis Nexis failed to respond in 30 days of my letter and did not provide me with any competent verification of this " Bankruptcy '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the " Bankruptcy. '' I will file separate complaints with CFPB if necessary. Thank You
Product: Credit reporting or other personal consumer reports

I had previously sent a notice on XX/XX/2024 to the consumer reporting agencies about an alleged identity theft and to date I have not received a response. There's also a duplicate account from XXXX XXXX but the account type is mortgage when I NEVER HAD A MORTGAGE. This is all identity theft and I demand that all the accounts listed gets removed from my consumer reports. See attached. It has been almost XXXX  months since I sent this notice with all the documents. Since then, I have completed a new identity theft report as it is now aggravated identity theft. I have also sent a notice cease all communication to lvnv funding and they are still communicating with me on my transunion consumer report. The FDCPA states that the term " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium '' and consumer reporting is an indirect medium of which they are using to communicate. That is a violation of the procedures of the FDCPA and since they are reporting without my consent they are also committing aggravated identity theft.
Product: Student loan

I have two student loans which are being serviced through American Education Services. I have applied two separate times for loan forgiveness only to be denied on a technicality of paperwork. 

I applied on XX/XX/2020 and was denied because I did not put my name and Social Security number on the back back of the page. The same information was on the front side of the application and it was on one sheet of paper. I was told I would have to start the entire process over. 

On XX/XX/2020, I resubmitted the application and was again denied because the date was not in the correct format dd/MM/yyyy. The dates were there just not in the format they wanted. I was again told I would have to resubmit the entire paperwork. 

Being denied due to some minor technicality is ridiculous. This is an unnecessary burden to something I am entitled to. 

In addition, I am being told I have to continue my payments even though the federal government has suspended all payments for student loans that are not private. They are violating the law.
Product: Mortgage

on XX/XX/2018 a credit check was done. I DID NOT AUTHORIZE THIS. I did inquire about a loan on my PAID FOR HOUSE but did NOT NOT NOT authorize a credit check. I am furious about this and want something done asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been paying my mortgage on time over the last 12 month with XXXX XXXX XXXX. Somehow, from XX/XX/XXXX to XX/XX/XXXX, they did not clear my check- which was sent to the same address as before. Then I received a delinquent account report and dropped my credit score by XXXX points. I contacted the bank to explain, but they told me to contact the major credit bureaus. I was only able to contact XXXX but not TransUnion or XXXX. Would be helpful by them to open an investigation on this matter.
Product: Mortgage

My 2nd lien mortgage is very delinquent due to a BK and payments not being paid to the creditor during the BK. I have tried everything in my power to work with this company. As I am now able to make the payments and keep the loan current. I sent a check for XXXX payment {$19000.00}. The check was not cashed or returned. This would cover all the PITI. leaving only fees and forced placed flood insurance ( my hone is not in a flood zone I paid the {$500.00} to have a the home re-survey and the letter needed for XXXX to remove it ) Not sure why the 2nd forced placed insurance and my first lien did not. I attempted to call and e-mail their advocacy group and was told they can not talk to me due to a cease and desist order. I exampled that was put in place due to the BK and that only means they can not contact me but if I 'm seeking out help they can talk to me. The rep refused to give me any additional information as to where my {$19000.00} went and why it was not accepted. The loan has not been breached and is not in XXXX they send me a monthly statement. They have no right to refuse payment. They have in no way issued a demand letter demanding payment in full. I tried to send them the full XXXX payments I am behind in XXXX payment and like I said above not sure what happened the check has not been cashed or returned and they wont talk to me. The chpt XXXX BK was completed XXXX 2015 all payments were paid on time.
Product: Mortgage

I purchased home in XX/XX/2021 with NewRez. In XXXX I receive a letter that XXXX owns loan now but to continue with NewRez as mortgage servicer. I always pay my mortgage 2 weeks early on the XXXX of the month. Today I receive an email from a loan company I never heard XXXX, or was given the heads up my loan was transferred. They say they aquired my loan XX/XX/XXXX and nobody informed me and I am late on payment and owe an additional {$21.00}. Not only have I paid XXXX 's mortgage but I paid XXXX 's too. Yet they are saying I still owe with a fee and late on XXXX. I am very upset and especially having not been forewarned. How do I know this is not even a scam? They better take off fee and have me credited up till XXXX. I do online banking and it shows both checks cashed and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I submitted a dispute with Experian disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. Experian claims the debt was validated and did not remove it from my reports. 

XX/XX/19 I submitted a request for Experian to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. 

On top of that, this account is a collection reporting a past due balance. This is also a violation. 

I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.
Product: Credit reporting or other personal consumer reports

I sent credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX/TransUnion/XXXX agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. & his lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.