23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I applied for and received an ad valorem property tax exemption from the XXXX XXXX XXXX XXXX for a total and XXXX XXXX tax exemption. 
I called PHH Mortgage on XX/XX/XXXX to advise them of the XXXX exemption because they were charging me for county taxes in my escrow payments. I was advised to send a letter to their tax department at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, which I did, including our address and loan number as well as a copy of the letter of exemption from XXXX XXXX. 
By XX/XX/XXXX, I called them to ask what the status was, and was told that they had no record of having received any such correspondence. I was told to email the information to : XXXX I emailed them a copy of the aforementioned letter from me as well as the XXXX XXXX XXXX XXXX letter of exemption. I also sent them hard copies to the Tax Department in XXXX XXXX XXXX, this time return receipt via USPS. 
I called PHH Mortgage Services again on XX/XX/XXXX, and was told they still had not received any information, regardless that I had the signed receipt from them. I was transferred to an Escalation Manager named XXXX, who promised me that he would personally look into the situation. He asked me to email him all of the information to : XXXX and promised to call me by XX/XX/XXXX. 
On XX/XX/XXXX he left a message on my phone, and I called him back at XXXX XXXX, and got voicemail, and left him a message. On XX/XX/XXXX he called and left me a message again, and when I called back I got a woman who said she would assist me. 
She called the XXXX XXXX XXXX XXXX while I was on the line and was told that my taxes for XXXX would be XXXX, and there were no ad valorem assessments on my property. 
The lady at XXXX then told me that they would continue to collect the tax escrow monies until that time, and then, and only then, if there were no taxes due they would reimburse me for the monies they have been charging me for taxes since XXXX, XXXX, the yearly total would be {$2800.00}
Product: Checking or savings account

I am a victim of a fraud and scam. OXXXX XXXX XXXX XXXXXX/XX/year> I received a job offer for a XXXX XXXX XXXX XXXX XXXX XXXX position with a company called XXXX XXXX. A few days prior to this, I had a job interview via XXXX XXXX with a hiring XXXX named XXXX XXXX. I received a job offer email from a XXXX XXXX man named XXXX XXXX from the email XXXX. I signed the job offer letter, provided my driver 's license, passport, and social security number. On XX/XX/XXXX, the hiring manager XXXX XXXX told me on XXXX XXXX chat to purchase work equipment ( laptop, XXXX XXXX phone, and printer ) for the job. He said he will provide a mobile check for me to deposit into my bank account to pay for the work equipment. He sent me a mobile check for {$4400.00} which I deposited into my checking account at Bank of America on XX/XX/XXXX. The next day, Bank of America close my checking and savings account. I contacted the bank the same day and I was told that the check was a bad check and my account is closed because of this. I did not know the check wasn't good. I explained to the bank that my employer gave me this check for work equipment and the bank told me that I'm a victim of a scam. After this, I found out the job offer I got was not real and I was scammed. They were pretending to be a company called a " XXXX XXXX ''. I went to the police station and filed a police report. I also notified the real company " XXXX XXXX '' about this scam and fraud. Bank of America closed my account because of this and are reporting me to XXXX XXXX. I believe this is very unfair because I'm a victim of this fraud and scam and they shouldn't close my account because this isn't my fault. I shouldn't be reported to XXXX XXXX and I should be able to open a bank account. I want my Bank of America checking and savings account re-opened. I've attached my police report and other documents. Please help me in this matter.
Product: Bank account or service

I have a Health Savings Account with TD Bank. I was notified in early XXXX that they would begin extracting fees from my account by XXXX XXXX. So I paid qualified medical expenses to bring the account balance down to {$0.00}. I called to close the account but I was told because it was a HSA, I had to go into a physical branch location to close the account. So I went to the TD Bank branch at XXXX XXXX XXXX, XXXX NY on XXXX/XXXX/2015. I met with a bank representative to close the account, she took my HSA debit card, and my online account with the bank became inactive. The following month, I receive a statement from TD bank showing the account with a XXXX cent balance from interest earned and the account not actually closed. So, I went back to the same branch location on XXXX/XXXX/2015 to make a second attempt to close the account. The bank representative withdrew the XXXX cent balance, gave me the penny and said that the account was now closed and I should receive a final statement at the end of the month. 
I am still receiving statements as if the account is still open. TD bank will not close the account even though I have brought the balance down to {$0.00} on XXXX occasions and have gone into the bank XXXX to close the account. I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting the removal of the Fraudulent information completely from my Credit Report. I was a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act section XXXX and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. I have read that under the FCRA section 605b the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : WFS ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$8200.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00}
Product: Student loan

VSAC 's standard practices with respect to its XXXX/autopay system have resulted in ( 1 ) an unwanted forbearance, on XXXX occasion ; and, on a separate occasion, ( XXXX ) {$72.00} in overdraft fees. This is what happens. A borrower can elect to use the XXXX/auto pay system. When he or she wants to add an additional amount of payment that will be debited from his or her account, it takes three days to process that change. VSAC DOES NOT ALERT THE CUSTOMER TO THAT WAITING PERIOD at the time he or she enters the change. If ( as was the case with me ) the next regular scheduled payment falls within those three days, VSAC has done one of two things with me. The first time this happened, it triggered an unwanted forbearance so that the system could catch up with the change over the course of the next month. I would have obviously rescheduled the change to avoid that forbearance. When I called, I was shocked to hear that there was " nothing they could do. '' Well, that artificially EXTENDED THE LIFE OF MY LOAN, due to no fault on my part, and due to their failure to warn me of the three day waiting period. The second time I changed my amount ( also within the three day period ), rather than trigger a forbearance, VSAC accessed an older checking account that I have not used for payments in years. Because there was no money in that account, I incurred XXXX overdraft fees. THIS IS RIDICULOUS. I want my overdraft money back, and I want any interest that accrued on my loan to be paid back. If, on a national level, and as a standard practice, they are not warning folks of such issues with changing the payment amount on autopay within three days of the next regularly scheduled payment, then they ( potentially ) are costing borrowers thousands or millions of dollars in overdraft fees, and are ( definitely ) extending such borrowers loans by triggering the unwanted forbearances.
Product: Debt collection

Company is reporting inaccurate information on my credit. The date this account was opened is invalid. I advised the company to provide documents that would show proof that I opened this account in XXXX, but it only came back as verified without any documentation.
Product: Credit card

THIS IS A HARD INQUIRIES ON MY CREDIT REPORT. I DO N'T KNOW WHAT THIS IS. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 I attempted to purchase some Ethereum on XXXX after I had logged in to my Coinbase account to check my USD balance. After logging in to XXXX my Coinbase account was hijacked while I was already logged in and all my coins transferred to the hackers wallet or account. XXXX Bitcoins ( {$9000.00} at time of theft ) and XXXX Ether ( {$2100.00} at time of theft ) were stolen. 

After weeks of no response, Coinbase finally informed me that I was allegedly the victim of a phishing attack. The hack appeared to be very sophisticated and possibly required insider knowledge of Coinbases security weaknesses.

Nevertheless, even though the hack may have resulted from a phishing attack I still hold Coinbase responsible for damages for the following reasons : 1. I was logged in to my Coinbase account when the hack occurred and that is the only reason I was able to make some screenshots with timestamps that document the hack. How is it possible that a second party can sign in to my account with my credentials from a different location with a different device while I am already logged in? This is in my eyes a huge and negligent security flaw on the part of Coinbase. 

2. While my Ether was transferred immediately, it took over an hour and 20 minutes for the Bitcoin to complete transfer. I initially reported the hack at XXXX XXXX EST via Chat and confirmed again via email at XXXX XXXX EST. I actually received a reply to my email at XXXX XXXX. Coinbase had ample time to shutdown my account before the Bitcoin transaction completed at XXXX XXXX EST. For whatever reason Coinbase did not shutdown my account until approximately XXXX XXXX  EST after the Bitcoin transfer had cleared. 

I have been trying to access my account in order to secure my USD balance that was transferred to my account after it was shutdown. I reset my password as requested but I am still locked out. It has been over two days and my account still has not been reactivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agencies still have not removed the inquires from my credit report!!!!!!!!
Product: Credit reporting or other personal consumer reports

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

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any XXXX part affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX
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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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.
Product: Checking or savings account

I have the company credit card and received email that if I open a 360 money market account with the new money from other institutions and deposit {$50000.00} on the account and spend {$500.00} on the credit card and leave the money in the account for 90 days I will receive XXXX reward points. I opened the account on XX/XX/2019 deposited {$50.00} K  spent {$500.00} on credit card. I withdrew the {$50.00} k out of the account on XX/XX/2019 which is 125 days, I called so many times and for the past month they said wait longer when I called today the Representative said you did not leave the money long enough in the account it should have stayed there till mid XXXX to be qualify for the reward and she said there are some fine prints that explain this practice. to me it is obviously a false advertising and miss leading consumers and they think because they are big they can do any thing, it is wrong, wrong, wrong. 
Shame on them
Product: Mortgage

Bank of America keeps calling me after i made the payments, asking when i will make the next month 's payment. The date for my check to be deposited is always on the XXXX of each month ; i can not make it before then. I have just paid Bank of America XXXX payments of {$520.00} in the amount of {$1000.00}. Bank of America is also reporting me late when i was making the trial payments last summer in 2015. And they are currently reporting me 30-59 days late.
Product: Debt collection

XX/XX/XXXX Received letter from MiraMed Revenue Group : enclosed XX/XX/XXXX I sent a certified letter containing a photocopy of the original check, a photocopy of the bill with the duplicate check attached, a page from my XXXX XXXX XXXX checking account monthly report ending XX/XX/XXXX showing the check was cashed on XX/XX/XXXX, and a page from my XXXX XXXX XXXX checking account monthly report ending XX/XX/XXXX showing the check matched the check photocopy I included. 

Included : XX/XX/XXXX showing the check was written so they could fix the mistake. 

Included : XXXX XXXX report showing XXXX XXXX XXXX XXXX submitted claim for my XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX email requesting name of original creditor since it was filed with them with the name of XXXX XXXX XXXX, account XXXX. I have never heard from that company nor received any communications of any sort from them. 

XX/XX/XXXX Dated XX/XX/XXXX answering my XX/XX/XXXX original creditor request. Also giving me a deadline of 6 days to pay them which is impossible and I don't owe it. 

XX/XX/XXXX Dated XX/XX/XXXX acknowledging XX/XX/XXXX email.
Product: Mortgage

I received an escrow refund check of about XXXX dollars at the beginning of XXXX. I called veterans United to ensure it was not a mistake and they confirmed it was not. About the middle of XX/XX/XXXX I received a call from Veterans United saying they needed the money back due to letters they received from XXXX XXXXXX/XX/XXXX that the taxes were higher than when the refund was sent. I asked for copies of the letters and the corrected documents at that time I also reached out to my county tax clerk who told me my property taxes were not XXXX a year but at mostXX/XX/XXXXa year. After I called veterans United back and informed them of this they said they would do more research. The week of XX/XX/XXXX veterans United called and said I was right and that the refund check was not needed. I again asked for the letters and the corrected financial documents. On XX/XX/XXXX I called to check progress and am being told again that my taxes are higher and the refund check is needed back. I again called my county tax clerk and again was told my taxes will be at mostXX/XX/XXXXnot XXXX. Veterans United is now saying they never received letters and have not sent out the corrected financial documents to me.
Product: Debt collection

On XX/XX/2020 I contacted the capital accounts llc company as it Related to negative Mark on my XXXX profile. Spoke to representative who advised me of balance and once paid, that on XX/XX/2020, it will be removed from its repository deleting it from my XXXX account. The debt amount of {$350.00} was paid in full. The representative was advised to send letter on company letter head as well. The negative entry still reflects on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave XXXX, Equifax or XXXX  any written consent to report anything on my consumer report. No contract is identity theft.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus XXXX, XXXX XXXX and Equifax did not update my addresses and remove them off my credit report. I filed a dispute with each one of them. Its been 45 days and I havent received anything no word nothing and these addresses are incorrect and some of them are over 20 years old.
Product: Vehicle loan or lease

I purchased rim and tire protection from XXXX, sold to me by XXXX XXXX infiniti XXXX XXXX nj. It was an unlimited coverage and claim policy for road hazard damage, excluding only curb and cosmetic damage. Over the past two years of my lease, I have experienced several flats and struggled to utilize the policy I paid XXXX for at lease signing. XXXX has employed two individuals XXXX the name XXXX and XXXX, who have consistently attempted to deny my coverage due to frequent claims, as well as they were untruthful about communications on recorded lines with the shop that I was also present for to deny the coverage under my policy. After the last attempt to utilize the policy I paid for, I received notice in the mail, they have terminated my prepaid unlimited claim policy. This company needs to be stopped and I plan to sue for their breach of contract.
Product: Money transfers

I transfer some money to an account that I have in XXXX, through Transferwise, after I open an account with them, given to them all the information they required, such as : ss # etc.The first ones went smooth, but on the last one, they ask me to provide aditional pieces of Id wich I refuse, all of this after they took the money from my account, I think this is not a correct banking procedure. What should I do?