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

In XX/XX/XXXX I deposited {$2500.00} cash via bank ACH to this company ( Coinbase ). They accepted my funds ( which are on deposit in their company ) but will not allow me to trade or withdraw {$2100.00} of my funds due to their automatic identity verification quiz, not being able to verify my identity. 

I 've emailed multiple times, each time getting a response saying essentially, " keep trying to use the automated system ''. I 've offered to send copies of any bills, bank accounts or any identity documents they would like, but they keep referring me to keep trying their automated system. There is no phone number for me to call or actual person for me to talk to. 

The most recent email reply from their company advised me that there is no other option than to go thru their automated identity verification system. 

Please assist, I 've been working on this since XX/XX/XXXX and every email reply says the same thing " keep trying our automated system. '' All I want to do is withdraw the money I deposited and close my Coinbase account. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stored by Equifax in an insecure manner. They have now alerted me to the fact that this led my information ( name, SSN, birthday, etc. ) to be stolen on X/X/17. I now must proceed assuming that this information is public due to the negligence of Equifax.
Product: Student loan

My account has a credit of XXXX but the other loan I owe XXXX. Why am I still paying interest on this loan when it should be zeroed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. Ally Financial never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my XXXX and my XXXX credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via Ally Financial website and Ally Financial customer service phone line.
Product: Mortgage

In XXXX of last year I got insurance of my home. The mortgage company XXXX sent a check for the payment in amount of $ XXXXThe check never reached my insurance co.so I called XXXX and they issued another check which did get there. The first check went back into my escrow on XXXX XXXX. In XXXX my mortgage company was changed to Loancare . In XXXX of this year XXXX sent a request to Loancare for  {$1000.00} for an error in XXXX of XXXX. Loancare sent the money leaving my payment that was auto withdrawn for XXXX short. Which made my payment late because I did not learn until later that this money was taken. I have been calling so many times to find out what was going on. Each time I called I received different answers. I called today XX/XX/XXXX and XXXX told me that the money went back into my escrow on XXXX XXXX. They said they would never call another company for the money. Today Loancare said they did get the money. I don't know what is going on and would appreciate anything that you could do to help me resolve this issue.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$4500.00} XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} These credit accounts are the results of identity theft and fraud.
Product: Checking or savings account

Skrill decided to lock my account for the third time on XX/XX/year>. I was trying to use the debit card as intended by funding it and using the card to spend, but for no apparent reason, they decided to lock my account and lock {$1100.00} of my funds in there. I have submitted all the verification documents they asked for in the process, and tried reaching out multiple times to get this issue resolved, but up until today ( XX/XX/year> ), there has been no resolution.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Truist, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Student loan

I am receiving an NIH loan repayment award and a payment was made in XX/XX/2023, with checked cashed by EdFinancial early in XX/XX/2023. At the time the payment was made, EdFinancial was transferring to a new server, and all my information was " lost ''. The payments have not posted and I have been calling EdFinancial for several months to get a proof of payment as well as an updated loan information and I have not received anything. I am continually being told ( after escalating to speak with Supervisor ) that my request is being expedited or in high priority but I am getting nowhere. I am not in danger of LOSING my award, and I can not get any further information about these payments from EdFinancial. The two payments are total for {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I AM IN DIVORCE PROCESS, FOR THAT REASON MY CK ACCOUNT IS FROZEN. 
DURING THIS PROCESS WE HAVE ANOTHER TEMPORARY LEGAL ORDER FOR THE JUDGE WHERE ESTABLISHED WITHDRAW THE MONEY ONCE A MONTH FOR FOR {$6500.00} ( ATTORNEY FEES ) ( ONLY ONE TIME ) AND {$2000.00} FOR MY LIVING EXPENSES EVERY MONTH COMMENCING ON XX/XX/2019. ( THAT LEGAL ORDER XXXX. XXXX MY ATTORNEY SENT TO BANK ). 
THE PROBLEM WITH THE BANK WELLS FARGO IS THEY WONT GIVE MY {$2000.00} FOR XXXX. ( SEE PAGE 10 OF THE TEMPORARY ORDER ) I CLAIM MANY TIMES BY PHONE BUY THE LEGAL DEPARTMENT WONT RECOGNIZES THE LEGAL INSTRUCTIONS FOR THE JUGDE, WITHOUT ANY EXPLANATION ANOTHER COMPLAIN WITH THIS WELLS FARGO BANK IS THE FIRST TEMPORARY ORDER EMITED BY COURT IS FOR ALL MY PERSONAL ACCOUNT. IN THIS CASE THIS ACCOUNT IS A BUSINESS ACCOUNT, NOT A PERSONAL, SO WHY THEY DECIDED FROZEN AND AFFECTED IN MY BUSINESS?
Product: Mortgage

I filed a complaint with CFPB # XXXX. FAY Servicings response was that they never receieved the signed documents back from us however we did send the signed notized documents i have attched a coy to this complaint maybe this will resolve our wrongful forclosure issue and we cant restart making our monthly payments soon. Thank you XXXX XXXX ...
Product: Student loan

It is impossible to get a hold of any customer service agents from this loan servicer. They placed my loans in administrative forbearance without any reason or documentation. They did this without notifying me or explaining why they did this. I applied for the SAVE IBR plan back in XXXX and have not heard anything back about this process or any updates about the status of my application. My loan continues to accrue interest while they ignore my phone calls and leave me in the dark about the status of my loans. this is absolutely unfair and ridiculous. Had they took action to approve my SAVE plan when i initially applied my loan would not be accruing interest for 3 months. Again, it is impossible to get a hold of a representative for EdFinancial.
Product: Debt collection

Collection Service of  Athens  is reporting Unvalidated Debt to  XXXX  Credit Bureau. I have filed previous disputes with  XXXX  as they are the only credit bureau reporting this collection.   I have never received any written validation of debt or any correspondence from  Collection Service of Athens.    I have disputed this debt directly with  XXXX  but they alleged that they validated and updated the listing. The listing has been removed from all credit bureaus except  XXXX .   On  XXXX   XXXX ,   XXXX   I filed a   XXXX   XXXX   XXXX   Complaint that they have not responded to.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH 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  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Goodevening, According to the FCRA, i have a right to dispute inaccurate information and errors on my credit report. I have two UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT AND EQUIFAX HAS YET TO REMOVE THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. Legally, unauthorized items and inaccurate information must be removed immeditately. I have contacted equifax numerous times to remove the information that i have NOT AUTHORIZED. I am reporting to CFPB because i demand to get these inquiries removed immediately. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Bank account or service

I was charged an overdraft fee ( {$35.00} ) on my Bank of America checking account when my account balance was not in the negative and I had enough money to cover the transaction. The bank refuses to refund the overdraft fee, telling me that over 6 months ago I " already had XXXX overdraft fee refunded. '' So somehow, I 'm being penalized because the bank made a similar mistake twice!
Product: Credit card

I am a victim of fraud. 

My credit card was charged {$47.00} on XX/XX/2023 by XXXX XXXX. 

I did not authorized this fraudulent charge on my card. 

It is a fraudulent charge.
Product: Money transfer, virtual currency, or money service

At XXXX pm on XX/XX/XXXX, I suddenly received several transfers from strangers, and then the bank directly locked my account. The next morning, I immediately called the bank to ask them to help me unlock it. They replied that they could not unlock it and suspected that there was something wrong with my account. I asked them what to do with the money in my card and whether I could withdraw it. They said no, I need to wait for the bank to investigate and then send a check. The time given to me is XXXX working days. Until now, XX/XX/XXXX, I still haven't received my check. I have been calling in to ask when it will be sent out. Every time they say that they will mail my check after the investigation. But I have waited for XXXX months and still haven't received my check. I still have XXXX XXXX dollars in my card at the time, and the transfers from strangers totaled XXXX XXXX dollars. I just want to get back my own XXXX XXXX dollars. I really need this money. I am really angry that I lost XXXX XXXX dollars all of a sudden. The bank has been shirking.
Product: Credit reporting, credit repair services, or other personal consumer reports

2018 was given a modification by using AFFORDABLE HOUSING AGENCY IN XXXX NJ, WELLSFARGO RECORDED THIS MODIFICATION AS A FORECLOSURE! AS A RESULT, A NEGATIVE REMARKON MY CREDIT FOR MAKING LATE PAYMENTS HAS NOT BEEN REMOVED BY WELLSFARGO.
Product: Money transfer, virtual currency, or money service

I was attempting to buy concert tickets from a listing on XXXX. He suggested to use XXXX since it was involved with the the major banks of XXXX XXXX  XXXX, his bank, and Wells Fargo, my bank. He told me he would electronically transfer the tickets to my XXXX account upon receiving the XXXX XXXX, and I would get an email of the notification. No such email was rec 'd by me. He called me a few minutes later to tell me that the XXXX transfer did not go through because we haven't done it before with each other, and I needed to call the bank to confirm the transfer.This was my first time using XXXX. I called to file a fraud claim with Wells Fargo, they said the transfer had indeed been completed. I told Wells Fargo that they are facilitating fraud with other banks if there is no mechanism to unwind an unfulfilled, fraudulent transaction. It's simply wrong in this electronic age to allow banks to facilitate a fraudulent transfer of money, since two step verification with a security code can be installed to protect the sender and receiver in multiple steps of a transaction. 

The amount in question is {$200.00}.
Product: Debt collection

The following account was charged off as of XX/XX/year>. Since then the account has repeatedly been updated as a charged off every month. This is an update in te payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this is a falsely manipulates the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXXBalance : {$2100.00} ; XXXX XXXX  Bankruptcy : Discharged Date XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00}.
Product: Student loan

Mohela put my loans in forbearance without any notice and for no reason XXXX payments prior to my forgiveness. My payments to Mohela come out automatically every month. I have been making on time payments for my student loans for the last 10 years and have XXXX issues with payments posting to my account correctly. Since XXXX, payments continue to come out of my account on time, but they do not post my account correctly. Mohela can not explain why they put me in forbearance. I asked for it to be removed, they denied they request with no explanation. I have been calling them since XXXX to resolve these issues. I pay on time every month, but then they send me emails saying that my payments are late. They can not explain why this is happening. They have not fixed it. I have called every month since XXXX, which you can see in the attached document, outlining the amount of time I have spent on the phone with them to get this resolved. I am in the public loan forgiveness program. My loans were due to be forgiven in XXXX of XXXX. I have continued to make on time payments despite their actions to block me from forgiveness. I have bank statements to prove that I pay on time every month. I have submitted these documents to them and they still have not put my account back in good standing. Due to their actions, student aid.gov counts these payments as ineligible. I am unable to get the forgiveness that I should because Mohela put me in forbearance for no reason and is not taking my payments and not posting them to my account at all or incorrectly.