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

Had an outstanding balance at coinbase and contacted them on XX/XX/18 to pay it off by transferring bitcoin to my account. Sent them an email asking if that would be a sufficient means to pay the debt owed and unlock my account. This was their response on XX/XX/18 Hi, XXXX. 

Thanks for getting in touch. 

Your purchasing ability is currently restricted due to an outstanding payment of $ XXXX   Please select your desired external payment method or deposit digital currency into your Coinbase wallet from an external source to at least the outstanding amount. You can select a payment method using this link : https : //www.coinbase.comXXXX   Once the funds are deposited in your wallet, our system will automatically reclaim the owed amount within a short time. If you would like to deposit digital currency, you can find your Coinbase addresses here https : //www.coinbase.com/XXXX Thank you for using Coinbase. 

Regards, Coinbase Support Regards, Coinbase Support At this point, I transferred the debt owed and a considerable amount more. 

On XX/XX/XXXX, XXXX XXXX  EST, the money was recieved. What was explained to me in the email is that it would automatically pay the debt off or in a short period of time. A day went by, so I called in to the support. He explained to me he could send me an email with directions to unlock my account. This is the email sent to me Hi, XXXX XXXX for your call today. 

I have checked that you have already done your part on receiving the funds for the payment of the balance. 

As I mentioned, your purchasing ability is still currently restricted since the funds are still under your wallet. 

Sorry, I will not be able to provide you a link for direct payment of the balance. I am working with a specialist to address it properly, we will be pulling out the funds from your wallet and lifting the restriction under your account. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Regards, Coinbase Support Team Another day goes by, still nothing. I called in again and got the same explanation " your situation has been escalated ''. Told them that wasn't acceptable. I already contacted them prior to all of this happening and now they are not holding up their end of the agreement. That was on XX/XX/18. As of right now there is over XXXX bitcoin in my account that is fluctuating and I have no control to get the funds out before the value of it decreases. I've sent in 3 more emails since, and nothing has gotten a response. Also sent a complaint to the better business bureau on XX/XX/18. 

I'm disgusted that a billion dollar corporation has the power to hold MY MONEY and keep it frozen out of my hands, when all I did was everything they asked me to do.
Product: Credit reporting or other personal consumer reports

These inquiries are totally illegal thats why i froze my report. Please remove. 

Equifax Inquiries XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Please remove these illegal inquiries off my report.
Product: Debt collection

This company has repeatedly called and harassed my phone for almost a year for a debt that I do not owe I have asked them several times to not contact me and to send any information they have to the address they have on file and I have yet to receive any information or any notification of debt to verify this is correctly mine. They have threatened me over the phone and repeatedly posted hard inquiry month after month for a year on my credit report eventually I had to contact my cell phone provider and block all four of the numbers they were calling me from.
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 dispute items do not belong to me. Im attaching the required FTC Report for you ( I learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Debt collection

I received a letter from Convergent dated XX/XX/XXXX Indicating that I had an outstanding XXXX XXXX XXXX debt of nearly {$8000.00} going back to XXXX of XXXX. I responded that this is not my debt. I have never dealt with XXXX XXXX, nor with The XXXX XXXX. 
I then received a letter from Convergent dated XX/XX/XXXX asking me to complete a notarized affidavit outlining all of my personal and private information. This affidavit boldly stated on each page not to notify the FTC or any other government agency. 
I called them to tell them I would not offer any personal or private information and that I would file a complaint with the FTC. I also indicated that I would consider having the information reviewed by my lawyer. 
I believe this to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am writing this email to file a complaint with LVNV. I have no dealings nor do I owe any money to this company! This contract which was under " XXXX XXXX '' was cancelled and removed offof my credit report. Once the name was changed whoever is responsible attempted to add this back on my credit report, but I currently have NO CONTRACT with them. Under my XXXX  report there is no account with them shown on my report at all, but XXXX continues to give me a hard time with helping me remove this item off of my report!

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

I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the XXXX XXXX XXXX account and includes several inaccuracies that need correction. 

**Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$21000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) - **Date Reported : XXXX XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) - **Date Opened : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) - **Balance Owed : ** {$690.00} ( XXXX ), {$690.00} ( XXXX and Equifax ) - **Closed Date : ** XX/XX/XXXX ( XXXX ), not provided by XXXX and Equifax - XXXX*Account Rating : ** Derogatory - **Account Description XXXX ** Individual - **Dispute Status : ** Account not disputed - **Creditor Type : ** Auto Financing ( XXXX and XXXX ), All Banks ( Equifax ) - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff XXXX **Creditor Remarks : ** Charged off as bad debt ( XXXX ), Merchandise was taken back by credit grantor ; there may be a balance due ( XXXX ), Charged off account ( Equifax ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX ( Equifax ) - **Term Length : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Past Due Amount : ** {$690.00} ( XXXX ), {$690.00} ( XXXX and Equifax ) - **Account Type : ** Auto Loan - **Payment Frequency : ** Monthly ( every month ) ( XXXX ) - XXXX*Credit Limit : ** {$0.00} This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across XXXX XXXX XXXX, and Equifax XXXX 
2. **Date Reported : ** Different reporting dates across the credit bureaus. 
3. **Date Opened : ** Discrepancies between XXXX and the other bureaus. 
4. **Balance Owed : ** Inconsistent amounts reported by XXXX and the other bureaus. 
5. **Creditor Remarks : ** Differing comments about charge-off status and merchandise return. 
6. **Last Payment Date : ** Different last payment dates between the credit bureaus. 

Attached are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports without my consent 15 usc 1681 section 602 i have the right to privacy 15 usc In accordance with the written instructions of the consumer to whom it relates Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit report this year I see XXXX inquiries from Auto dealerships in Illinois I did not make ( I do not live in Il, and never have ), on my TransUnion report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/2016 I previously received Email requests for test drives as well, and replied to them saying I did not make these requests, but continued to get them. <P/>I also received this email request to XXXXXXXXXXXX Hi XXXX , please click on the blue link below which will take you to our website. You can apply for the mortgage there. Make sure you select me as your loan officer and your information will be sent to me. <P/>Thank you, XXXX XXXX | Mortgage Loan Originator | XXXX # : XXXX XXXX XXXX XXXX | XXXX, MI XXXX Direct : XXXX XXXX | Fax : XXXX | XXXX XXXX XXXX XXXX # : XXXX Which is also fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting items that are due to identity theft and per the law need to be removed. The XXXX breech has caused years of issues and now USAA which is ID theft is once again reported. Please remove any information being reported on USAA accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX, AMOUNT {$1000.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$0.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX AMOUNT {$7900.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$2800.00} XXXX ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$740.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXX, AMOUNT {$890.00} XXXX ACCT XXXX XXXX ACCOUNT : XXXXXXXX XXXX XXXX  AMOUNT {$920.00}, ACCT XXXX XXXX INQUIRIES : XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA. XXXX XXXX XXXX XXXX, XXXX, GA. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX I wrote a letter to XXXX XXXX XXXX requesting VERIFIED proof of debt or Proof of undertaking, XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, Notice of Default and Opportunity to Cure XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, without any respond. 
Send a letter to Equifax on XX/XX/XXXX requesting validation of Debt, they said it was validated, on XX/XX/XXXX XXXX send a letter requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax respond as verified. 
According to 15 USC 1681i ( 5 ) all reported information must be accurate.

Equifax has violated my Rights. 
Which is a violation. this is impacting from moving forward in my personal and business credit
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 the 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 Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking into purchasing a new home mortgage since XXXX of XXXX. Since then, I've interviewed 3 mortgage companies shopping around for the best rate, which is recommended. However, the housing market has made it difficult with low inventory and inflated pricing. Our search has taken way longer than anticipated. Since having to inquire with multiple companies over time. In this housing market it is necessary, for credit bureaus to make some adjustments to the length of time mortgage companies are allowed access to scores without impacting the borrowers credit score. I am not inquiring on multiple different loan types or even loan needs. These inquiries were all for a primary home starting in XXXX XXXX. Please take a look at the duplicate mortgage inquires and prescreening inquiry and delete multiples. 

I started with the most recent, XXXX  or XXXX XXXX XXXX, who was offering a down payment assistance program ( on a specific property we were interested in ) and required a credit check in order to verify eligibility and check rates. The offer sounded like a great program, but the rates offered were much higher than others, the loan officer is rarely available and hasn't answered questions about interest rates or APR, leaving me to believe they are an unreliable banking source. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Student loan

I applied for the Public Service Loan Forgiveness Waiver program in XX/XX/XXXX. My non-profit former employer submitted several erroneous employment verification forms but eventually submitted an accurate one in XX/XX/XXXX for dates of employment XX/XX/XXXX, XXXX XXXX, XXXX. My loans were transferred from XXXX XXXX to Mohela with an incorrect qualifying payment count of XXXX when I am well over the required XXXX and am entitled to a refund of over {$9000.00} for the XXXX additional payments I have made. I resubmitted the PSLF waiver application with correct signed employment verification form dated XX/XX/XXXX after the loans transferred to Mohela and my qualifying payment count remained at XXXX. It has been exactly 91 days since Mohela confirmed receipt of the application while the form continues to be " processing ''. Calls to Mohela with hold times greater than 2 hours supply me only with confirmation of receipt and processing.
Product: Checking or savings account

I am writing to address the events that occurred following the theft of my cell phone on XX/XX/2023. On XX/XX/2023, two unauthorized transactions were made from my Chase XXXX Checking account, one for {$900.00} and the other for {$800.00}. In response, on XX/XX/XXXX, I went to a Chase branch to begin the process of filing a claim. 

Unfortunately, my initial claim was denied without clear or adequate reasoning. Following this denial, I returned to the Chase branch on XX/XX/XXXX, as instructed, to have my claim reevaluated. Despite assurances to the contrary, no reinvestigation had taken place. 

On XX/XX/XXXX, I received false information during a follow-up call to inquire about the reassured reinvestigation. The Chase representative in who handled the case, XXXX, initially claimed that the funds were withdrawn from an XXXX XXXX, which I have never owned. When pressed for more information, she denied knowledge of the device used, despite my owning an XXXX XXXX XXXX XXXX ( which was stolen ) and an XXXX XXXX. 

These instances of misinformation and refusal to provide identifying details limited the investigation and resolution process significantly. 

Unauthorized transactions conducted via the Chase banking app, particularly via XXXX, using an XXXX XXXX XXXX XXXX, the phone stolen on XX/XX/2023, provided the perpetrator with access to conduct these unauthorized transactions. 

None of the transactions were verified or authorized using standard methods of communication such as text messages, notifications, or any other formal means. In order to resolve this matter, I diligently provided all requested documentation, including police reports, activity logs, and email records. 

The lack of transparency, misrepresentation of facts, and failure to conduct a thorough investigation have all diminished my confidence in Chase 's security measures and claims resolution process. Despite my best efforts to resolve this internally, I believe it is necessary to escalate the situation and file a formal complaint. 

I respectfully request a thorough investigation and appropriate action to address this concerning and unacceptable situation. Your time and effort in this matter are greatly appreciated.
Product: Credit card

On XX/XX/XXXX I reported XXXX fraudulent charges on my Citibank card, and was told I would not be responsible for the fraudulent charges which would be reversed in 3-5 business days. XXXX were reversed in two days. The third is still on the account. I have spoken to XXXX representatives over two weeks, including representatives from the " Fraud Department '' and the " Billing Disputes '' department. I have been given three dates by which I was assured the charge would be reversed ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I have been told I need to speak with the " XXXX Department '' but could not be connected to them because they were " very busy ''. I was given XXXX different phone numbers to call the Security Department directly, however all three are always busy at all times of the day. In five more business days, the fraudulent charge will start accruing finance charges, in which case I will have to fight to dispute those charges in addition to the original fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I paid Macys {$140.00}, XX/XX/2022 I paid {$100.00}, and XX/XX/2022 I paid $ XXXX. Macy reported to XXXX  that XX/XX/2022 I was 30 days past due for account. This is wrong I was not 30 days past due for XXXX. 

I spoke with XXXX # XXXX he inform me an online account was open in my name I told him I had no knowledge of opening any online account and I never sign anything not to received bills in the mail. I ask him to up date my address and send me all information they have about the onlin account he told me to get a lawyer and have them contact macys their nothing he can do to help my.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis inaccurate.