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

On XX/XX/XXXX, I received an email from Coinbase.com that some money had been added to my account. This made no sense to me as I did not do this. I tried to log into my account and discovered my password and dual-authenication no longer worked. I then received an email on XX/XX/XXXX from Coinbase that they were aware that a third party had compromised my login credentials. I immediately contacted Conbase for assistance and it took until Monday XX/XX/XXXX before I was able to regain access to my account. It was then that I found my Coinbase account was hacked and all but a few of my Crypto currency shares were sold without my authorization. I created new password, changed authentication apps, and closed my personal bank account and terminated the link with my Coinbase account. It's been vitrtually impossible to get any help out of Coinbase. The only correspondance from them was in an email were I had to answer 9 questions regarding the situation. So, Coinbase knew of the attack, and of my losses, and evan after my implementing new security protocols, again on XX/XX/XXXX my account was hacked and the remaining shares were then sold without my authorization. It seems that Coinbase did not take any immdeiate measures proactively to guard my account nor have they be forth coming with any kind of info regarding my situation and what the investigation status is if any. The following transactions were unauthorized and I have plenty of documentation to back it up. This info has also been provided to Coinbase. 
A ) Bitcoin ( BTC-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$24000.00}, Payment method BTC Wallet , Coinbase fee {$79.00}, sub-total {$5300.00}, distributed {$5200.00}. 
B ) Ethereum ( ETH-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$1600.00}, Payment method ETH Wallet , Coinbase fee {$240.00}, sub-total {$16000.00}, distributed {$16000.00}. 
C ) Doge ( Doge-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$0.00}, Payment method DOGE Wallet, Coinbase fee {$2.00} sub-total {$85.00}, distributed {$82.00}. 
D ) Bitcoin ( BTC-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$24000.00}, Payment method XXXX XXXX XXXX XXXX XXXX XXXX, Coinbase fee {$14.00}, sub-total {$980.00}, distributed {$1000.00}. 
Thank you for your time and any assist will be egreatly appreciated. 

Regards. XXXX
Product: Credit reporting

I was denied a loan because Experian did not release the exact information regarding XXXX disputed derogatory items on accounts already paid and closed ( XXXX of them It 's almost XXXX years old ). It was also inaccurate regarding proportion on loan balances vs amounts I owe due to the fact that practically all of my credit cards have very low balances .On the dispute I mentioned above the other XXXX major credit bureaus deleted the negative information upon request except for Experian that failed to see the fact of an individual with a very good credit history and record of paying on time
Product: Debt collection

Avant LLC/Web Bank On XX/XX/year>, I sent a Priority Mail letter to Avant LLC/Web Bank regarding an alleged charged off account they had listed on my credit reports. 
I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without a response, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.
Product: Vehicle loan or lease

I have tried to call TD auto finance at least XXXX times regarding the sale of my vehicle. No one answers. To waited for XXXX minutes sometimes more and no one answers the call is a basis for fraud and abuse. I went to a TD bank wew I was told that I do not have an account with TD auto finance. I have a bill and a negative account on my credit report. I ca not afford an attorney you are my last way to clear this fraud. Please help. Thank you.
Product: Mortgage

In a recently closed refinance, the lender ( US Bank ) disbursed roughly 23 % less funds than the final HUD lists in box XXXX ( Total Disbursements to Borrower ). I called US Bank as soon as I saw the shortage of disbursed funds and their explanation was that the it was noticed after the loan closing and signing that the originator obtained an incorrect payoff amount and I should understand that human error happens. The change in structure of the financing took place after all final documents were signed, the changes were not disclosed to me, and I was not given an opportunity to exercise my right to cancel if the changes would have been disclosed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 9 months I have requested verification on several accounts reporting inaccurate information on my credit report. These inaccurate and unverifiable accounts have given me serious anxiety as I have been denied credit because of them. I have called and sent several certified mail with documents of proof to the inaccurate accounts, but still I have been ignored. Each time I am only sent back automated responses to my investigation request. I know they are automated because they all respond the same way even though I send the supporting documents. I requested verification of an inaccurate, unverifiable Bankruptcy that is being reported on my credit report and was told it was verified by XXXX, however, I have had a Security freeze on my XXXX report since XX/XX/2019. I would like to know how I was given a fair investigation if XXXX was never contacted to request the information? Because if XXXX were contacted, they would have informed " Whoever '' that there is a security freeze on my account and the information could not be provided at the time. I contacted XXXX and they informed me that since the security freeze was placed on my report, they have not released any of my information to ANY agency. I also mailed the Bureau a copy of a court document that was mailed to me by the courts where I live that states, they have not furnished any of my personal/public record information to any Credit Agency. So again, how was this inaccurate, unverifiable Bankruptcy account verified? I currently have enough documented proof to show I have not been given a fair investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I carefully viewed my credit report thoroughly and asked the credit bureaus for a thorough investigation to make sure everything on it was complete and 100 % accurate according to 15 USC 1681i ( 5 ) I have waited 30 days + and received my investigation and notice everything was still the same. The consumer reporting agency which is Transunion did not modify or removed anything from my credit report. 

The dates open are not correct, dates last active are also incorrect, and dates of last payments are also incorrect. All in all, the information is inaccurate. 

Which is a violation. This is impacting me from moving forward in my life to buying a home for my family and providing them a great lifestyle I never had. 

I have attached some previous reports to show how Transunion has violated my rights.
Product: Debt collection

First of all, I started receiving collection letter addressing to XXXX XXXX that I had no clue of what they were about because I am XXXX XXXX. And then, on XX/XX/XXXX I noticed a collection on my credit report for the amount of {$1400.00}, account # XXXX, which was opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX. I disputed the case with my credit bureau ( XXXX, XXXX, XXXX  ), and then I sent a letter on XX/XX/XXXX to the company. Unfortunately, I notice later that this collection remains in my credit XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXXXXXX XXXX XXXXXXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The lease company XXXX has been lying and denying my rights and at this time I have been XXXX against. XX/XX/2020, I contacted XXXX credit and was told that if I paid XXXX then I could use their service in the future but if I settled I could not and was told that if I settled the account could be deleted at my request. In XX/XX/2020 I was advised that I couldnt have it deleted even after the settlement. In XX/XX/2020 I asked if I settled if the account could be deleted and I was advised yes once settled they could send a request to have the account deleted from my credit report. However, I have continuously disputed the information and have been advised that on this very call back in XX/XX/2020, that I was never advised that if I settled the account would be deleted. I would like to have the call subpoenaed because they have been lying and providing the CFPB with lies and WRONG information and this is discrimination because of paid less and for other XXXX reasons. The account is being reported as a VEHICLE LEASE on my credit report and this is wrong. Im going to sue. I think that this company has treated this account unfairly so please review their trade-lines with other customers and determine if they have been deleted for other customers after a settlement. I just keep getting the same lies and Im going to sue and have the call back in XX/XX/2020 subpoenaed. They will wish they deleted this tradeline when I get this call subpoenaed from XX/XX/2020. My rights as a human being and As A consumer has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : 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 CARD XXXX
Product: Checking or savings account

Bank of America is having technical issues where their bill pay is not showing future or past payments. There is no way to see if a payment was scheduled. 

I called XX/XX/XXXX and was on the phone XXXX ( XXXX ) XXXX, XXXX with a representative of Bank of America in South Carolina for 11 minutes. The representative informed me that there were no scheduled payments on the account ending in XXXX. I asked to confirm because I schedule my payments at the beginning of the year. The representative confirmed there were no scheduled payments for XX/XX/XXXX. I scheduled a payment of {$1100.00} to be sent XX/XX/XXXX. 

XX/XX/XXXX I am notified I have a negative balance on the account. I pull it up and {$1100.00} and {$1200.00} had been drawn out f my account. I spend 1hr and 20 minutes on the phone with BOA speaking with 3 different representatives. The final say is BOA cant do anything about and I will sit with a negative account until XXXX decides to credit the money back. If they do not I am stuck with the transaction even though I did not schedule it. All of these problems are stemming from issues with BOA bill pay system. 

I asked BOA to give a temporary credit to the account until they can resolve it with XXXX which they denied. I was also denied contact information to any decision makers in BOA who could actually make a decision to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report act XXXX inquiries accounts from unknown source as violated my right.

15 U.S.C 1681 Section A-States i have right to privacy.

15 U.S.C 1681 Section 2-States also a consumer reporting agency can not furnish a account without a written i
nstruction.

Inquiries not authorized but on my credit report Equifax Credit Report XXXX, XXXX dates are XXXX XXXXtwice on that date,XX/XX/XXXXtwice on that date XX/XX/XXXX date XX/XX/XXXX XXXXtwice on that date againXX/XX/XXXX-XX/XX/XXXX XXXX XXXX  TWICE ON XX/XX/2021 AND AGAIN XXXX, XXXX TWICE ON XXXX XXXX AND AGAIN XXXX XXXX XXXXTWICE ON XXXX XXXX I AM TIRED OF WHOEVER THESE ARE CAUSING INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION OR WRITTEN INSTRUCTION.
Product: Credit card or prepaid card

I used my Synchrony Credit Card to buy tires at Pep Boys, but instead of receiving new tires, Pep Boys installed used tires of XXXX different brands. This resulted in multiple visits to have the tires replaced, but they only added air instead of putting new tires. I disputed the charges for the tires multiple times, but unfortunately, I wasn't refunded the money I initially paid to Synchrony credit card after the dispute was completed. As a consequence, Synchrony Bank decided to close my credit card account.
Product: Debt collection

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
MB FIN SVCS XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Product: Debt collection

Our company had XXXXXXXX XXXX XXXXXXXX for our Business insurance policy. We cancelled our premium due to XXXX dropping our account, so we obtained new business insurance through XXXX  XXXX. We provided ample ( written ) notice to XXXX and the policy ended on XX/XX/XXXX. On XX/XX/XXXX, we received a letter ( bill ) stating that we owed an outstanding balance of {$300.00}, which was paid by check XXXX on XX/XX/XXXX and cashed on XX/XX/XXXX. On XX/XX/XXXX, we received another bill stating that we further owed an outstanding balance, now for {$760.00}. I sent this letter/bill to our former insurance broker requesting them to handle the situation, since it was clearly an error on the part of XXXX. On XX/XX/XXXX I received a second bill for the same amount, and again the same bill on XX/XX/XXXX. The information their company received from XXXX XXXX XXXX is below- Premium {$13000.00} XX/XX/XXXX endorsement premium {$460.00} XXXX endorsement premium {$90.00} XXXX x {$2.00} billing fees {$18.00} Total {$14000.00} Cancellation XXXXXXXX Premium Credit XXXX {$2700.00} Total earned premium through XX/XX/XXXX {$11000.00} Total paid premium through XX/XX/XXXX {$10000.00} Leaving a balance of {$790.00} earned premium. 

To which I responded with our accounting of this vendor for the year, who drafts directly from our bank account : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Total Paid- {$15000.00} Premium paid through XXXX {$15000.00} Less Total earned premium through XX/XX/XXXX {$11000.00} Balance Due to XXXX  FROM XXXX- {$4000.00} XXXX XXXX  XXXX owes OUR COMPANY money, not the other way around. 

This morning XX/XX/XXXX, I received a phone call at XXXX AM from Brown and Joseph XXXX XXXX, specifically from XXXX XXXX at ( XXXX ) XXXX on behalf of XXXX XXXX XXXXXXXX, illegally. I would like to file complaints about both XXXX XXXX  XXXX AND Brown and Joseph XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX x XXXX
Product: Credit card

Im writing this because i've always had a problem with capital one credit card, somehow my interest is increasing every month making my payments to them and the bill is not going down as it should, Im making the payments before the due date and they are still charging me a high interest payment after i've made the monthly payments which is more then the minimum amount they ask for monthly i started out with a low interest rate and every month its going up more and more i need some clarification on this company. 

thank you
Product: Credit card or prepaid card

On XX/XX/XXXX I set up my online account with the XXXX XXXX XXXX credit card backed by TD Bank. I made my regular monthly payment and set up automatic payments so that my payments would be automatically drafted from my account. On XXXX I get my statement that indicates that I missed a payment and have a past due amount of XXXX plus a late fee of XXXX. I called TD bank XXXX times on XXXX and asked to speak to a supervisor of the XXXX times I was hung up. The XXXX supervisor XXXX indicated that there was an issue with their online portal when making payments and setting up a reoccurring payment and that it was corrected now. Upon review of my account I noticed that TD bank reduced our credit line from XXXX to XXXX which has the card maxed out.
Product: Mortgage

I got behind on my mortgage as a result of a long drawn out divorce and the resulting financial struggle. I had applied for a loan modification XX/XX/2016 and was told that I would have a temporarily reduced mortgage payment for four months and if I paid that amount on time for four consecutive months then they would send me the paperwork to make that amount permanent. When I purchased the home I was married but the mortgage was in my name only. The loan was in my name only. Due to the community property laws of Texas, my then husband was on the deed. I divorced him and as a result of the divorce decree, I was given the home and a special warranty deed was done to remove him from the deed. After my four month trial period, paperwork was sent with my name spelled incorrectly. Then they resent paperwork but had my ex-husband as co-borrower. I not only explained the situation but provided the documents. They said that XXXX XXXX required that although I called them and they said it was not true. The rule states that the ex is is required unless he is deceased or removed from legal liability. I provided the documents but they would not recognize them. I tried for months to get this resolved and then XX/XX/XXXX I was told it was a final decision and that I did not qualify without him becoming indebted for my house. I have been through several representatives and supervisors. I wanted to keep my house but feel like they are stealing it so they can keep the {$10000.00} I paid up front and re-sell it for more. Nationstar has been extremely difficult to deal with. Initially I could not get anyone to talk to me. The automated system sent me to a recording based on my account. I even drove over to their offices at one point. Then I asked for supervisors and got the run around and they would not even listen to common sense. It was as though just reading a script and not thinking at all. I have been told that it the title company or legal office who draws up the loan modification paperwork is the one that decides what documents are required and that most likely the problem or block is there and not XXXX XXXX.
Product: Debt collection

I RECEIVED A DEBT COLLECTION NOTICE IN THE MAIL ON XX/XX/XXXX FROM DEBT RECOVERY PRO STATING THAT I OWE A BALANCE TO XXXX XXXX XXXX XXXX. FIRST OF ALL I DONT KNOW WHO IS XXXX XXXX XXXX SO I GOT ON XXXX TO FIND OUT WHO THIS COMPANY IS THAT STATES THAT I OWE MONEY. DOING MY RESEARCH ONLINE XXXX XXXX XXXX IS INTERNET PAYDAY LOAN. FIRST I HAVE NEVER BORROW MONEY OR APPLY FROM A COMPANY ONLINE FOR A INTERNET PAYDAY LOAN. SO I CALLED THE PHONE NUMBER XXXX. I SPOKE TO FEMALE AND I STATED THAT I RECEIVED A LETTER IN THE MAIL THAT I OWE MONEY TO XXXX XXXX XXXX   WHICH I DONT OWE. SHE STATED THAT THE COMPANY IS OUT OF BUSSINESS. THAT I NEED TO CALL WHO SENT ME THE LETTER. SO I CALLED DEBT RECOVERY PRO AT XXXX AND SPOKE TO A GENTLEMEN ON THE PHONE ABOUT THIS DEBT THAT I DONT OWE SINCE I HAVE NEVER APPLY FOR ANY INTERNET PAYDAY LOANS. HE ASK WHO I WAS AND MY LAST DIGIT OF MY SOCIAL SECURITY NUMBER AND THEN HE INFORM ME THAT I OWE THIS COMPANY MONEY SINCE XX/XX/XXXX. AS I EXPLAIN TO HIM ON THE PHONE I HAVE NEVER TAKEN OUT ANY PAYDAY LOAN ON THE INTERNET HE STATED THAT HE HAD MY EMAIL ADDRESS AND THAT I DO OWE THE LOAN AND THAT IF I DONT PAY IT BACK THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT AND HE WAS IN THE PROCESS IN FILING PAPERS. AS I STATED TO HIM MANY MORE TIMES IF HE CAN SEND ME WRITTEN OR A CONTRACT FROM THE CREDITOR WHICH HE CAME BACK AND STATED THAT HE HAD A DIGITAL BUT HE CAN NOT SENT THAT. HE STATED THAT ON MONDAY XX/XX/XXXX THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT. SO AFTER TALKING WITH DEBT RECOVERY PRO ABOUT THIS INTERNET PAYDAY LOAN I CALLED AND TALK TO VIRGINIA BUREAU OF FINANCIAL INSTITUTIONS ABOUT THIS MATTER. I STATED THAT I RECEIVED A DEBT COLLECTION LETTER IN THE MAIL THAT STATED THAT I OWE XXXX TO XXXX XXXX XXXX FROM XX/XX/XXXX AND THIS ACCOUNT WENT TO COLLECTION AND THIS LOAN IS INTERNET PAYDAY LOAN. I WAS INFORM THAT IN THE STATE OF VIRGINIA INTERNET PAYDAY LOAN ARE ILLEGAL SECOND XXXX XXXX XXXX IS NOT AUTORIZE TO DO BUSSINESS IN THIS STATE THEY DONT HAVE A LICENSE. THEY WERE SHUT DOWN BACK IN XX/XX/XXXX. I WAS ALSO INFORM IT WAS ILLEGAL TO PUT ILLEGAL PAYDAY LOAN ON ANYONE CREDIT REPORT. I ALSO STATED THAT THEY REFUSE TO SEND ME ANY DOCUMENT FROM THE COMPANY NOT FROM THEM THAT SHOWS WHEN THE ACCOUNT WAS OPEN, THE AMOUNT GIVEN. I WAS ALSO INFORM THAT ON INTERNET PAYDAY LOANS THE AMOUNT I WAS GIVEN IS DEFINELY A RED FLAG. SHE READ THAT ALL LICENCE PAYDAY LOAN PLACE IN THE STATE OF VIRGINIA THE AMOUNT YOU CAN BORROW IS UP TO XXXX BUT YOU ONLY BORROW MONEY FROM A BUSINESS NOT ONLINE SINCE ITS ILLEGAL. THE PHONE NUMBER THAT I CALLED WAS XXXX