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

On XX/XX/2020 I doubled the amount of XXXX  tokens on my Coinbase account due to a bug ( went from XXXX to almost XXXX in a matter of seconds ). I sold my initial investment but kept the rest. In the following days it was announced that XXXX  ( XXXX  ) was under investigation by the SEC agency and the price went down to 50 %. I then received an email form Coinbase saying that my tokens I earned were due to a bug and that I had to repay immediately. I payed everything I had earned plus my initial investment but by account was still in negative balance. Now the price of XXXX  went up again and the balance is more and more negative. I've seen that this is not only my case but a lot of other people suffered from this problem and lost all of their earning due to Coinbase mistake. Please help me find a solution to this problem as soon as possible.
Product: Vehicle loan or lease

I want my old car loan for the XXXX  Toyota XXXX removed from my report as a loan balance because I paid it off. My car accident, on XX/XX/XXXX, this year left me in a bad spot. The loan was paid for the most part by gap insurance, and the perp 's insurance, XXXX XXXX. The remaining was paid by my pockets. I want it removed. Should be updated to say it was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to pull my credit. I called them to have them remove this, but they have no record of this. They sent me to the company they used to pull credit. They wanted me to provide them with lots of personal information before they could investigate. The problem with this is that I never provided my personal information to begin with. Why would I provide it now? They would then be able to say yes, we did get the information from him. They refused to act on my request. 

This inquiry is damaging to my personal credit. It's preventing me from obtaining normal rates. This entry is placing me in a higher risk category. 

I'm strongly requesting that it be removed immediately from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxxxxx XXXX
Product: Money transfer, virtual currency, or money service

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

Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a car at XXXX XXXX XXXX Texas under my companys name. I asked them specifically if XXXX XXXX was going to report the lease to my personal credit report they told me NO. The Financial Manager stated he call Mazda Financial Services and they confirm that with me as a Personal Guarantor.it would not show on my credit. I Lease this car in my business name and with me as the personal Guarantor. I got to the finance office and the Finance ManageXXXX XXXX tried to get over on me. I told him that I didnt want certain products and when I went to sign the paperwork everything I said I didnt want was in the paperwork. If I didnt catch that he wouldve added things in leases that I didnt even want. Now he has to reprint all the paperwork and Im in the office for two hours. It took XXXX a month to submit the final paperwork to the bank and my temporary plates exited because he took so long. I got pulled over by the cops for expire tags on my car because of XXXX negligence. On top of that he was asking me questions about signing business paperwork and stated he didnt know too much about it because he doesnt do business deals often. First of all you are a Financial Manager, why are you asking the client for help and knowledge about sign paperwork? Now this lease is showing on my credit report and XXXX cant close on my house because I was specifically told this car will not be reported to my personal credit report. This account shouldnt be reported to my personal report based off the information i was given. XXXX XXXX should not be reporting this car on my personal credit. On my personal credit report it shows as individual. This should not be on my credit report because this car is in my business name. Dealing with XXXX XXXX and The dealership has to be the worse experience I have ever had. They are definitely fraud. I will stick with luxury banks and dealerships only.
Product: Mortgage

We are trying to sell our house. We accepted an offer from XXXX XXXX XXXX and the pre-approval of {$450000.00} was supplied by XXXX XXXX XXXX  written by XXXX XXXX. After two addendum due to issues securing financing we gave them a third try but requested they use our lender. We had moved out prior to closing in anticipation of the first proposed closing date and after the second addendum passed we claimed the earnest money to cover the extra expenses of two payments etc. The entire time they requested repeatedly to move in prior to signing, due various hardships. Then as they walked away from the deal it became apparent that they could n't get the financing due to reported income and what appears to be blatant tax evasion by XXXX XXXX. In fact, the lender we recommended via my broker let it be known the the approval letter should never have been written. It was fraudulent and XXXX XXXX is the brother-in-law of XXXX XXXX. The pre-approval was dated XXXX XXXX 2017 and we accepted it on good faith. If we had let them move in early there is little chance they would have been able to secure financing in a reasonable time frame and I would have unwanted renters and not sure if they would even pay rent. This cost me time and money while eating up the prime season to sell a home. End of summer and they walk away. This needs to be looked into in case they are trying to wiggle into someone else 's home in order to squat with a phone pre-approval by a illegitimate lender approval and cost another seller so much time and money. More details are available upon request i.e. addendums, dates, etc.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act, Bank of America Credit Card opened in XX/XX/2015 has violated my rights. 15 U.S.C 1681 section 602 states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section2. It also states a consumer reporting agency can not furnish an account without my instructions. They closed the account while i was XXXX in the military.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and i was going through my credit today again and the mail and noticed that i received basic template responses with a bunch of old statements. This does not validate the accuracy of this account and i specifically asked for all the documents pertaining to this account with XXXX  XXXX XXXX and i only received old statements. As per the consumer laws and it's provisions under the FCRA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. Also as per FCRA section 623 ( a ) ( 8 ), which gives me the ability to dispute the information directly with the original creditor or the furnisher. As you can see on the attachments, they've failed to provide me all the necessary documents that I've asked for, such as : a ) How you calculate the money you say I owe.

b ) Copies of the papers where I agreed to pay what you say I owe.

c ) The name of the original creditor or who it got transferred to.

d ) Demonstrate that you are licensed in my state, and provide this license number to me. 
Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Student loan

I received notice from MOHELA on XX/XX/year> that, due to a federal district court stay of the SAVE plan, my loans would be placed into forbearance AND my time in forbearance would not count toward the PSLF that I am seeking. The letter stated that if I wanted the time to count and not be placed in forbearance to call their customer service number to discuss repayment options. I called the same day. I was told that I could not apply for another IDR plan at this time, because DOE was not processing them. My only option to have my time counted toward PSLF until this stay is lifted is to place myself on the " level 10 '' plan. This repayment plan would increase my monthly payment by over {$1000.00}. I can not afford that increase. They did not provide any copies of the Court decision or DOE decision regarding the time not counting toward PSLF and/or the inability to process IDR applications at this time.
Product: Credit card or prepaid card

On Wednesday XX/XX/XXXX I received an email stating I had changed my pin to my WayToGo Alabama child support card. I had not done that and promptly called them where I waited 49 minutes on hold and then was just hung up on. I used the automated system and closed my card and reported it stolen as my pin had in fact been changed when I checked. I received another email a few days later stating my pin had been changed again. I then went to the ATM to try to pull out what money I had in there and it said that my card was not recognize to contact my financial institution. Through all of this I had tried to call them almost every single day if not a couple times a day and every time it would say they did not have customer service reps available to try at a later time or use their automated system. During this time I had two deposits made and had {$390.00} in there. On XX/XX/XXXX someone transferred {$390.00} out of that account. Upon research it was to XXXX XXXX  I will attach pictures of the transfer. I called a certain bank as I am not able to get a hold of the way to go card people and it looks like it is the bank attached to XXXX XXXX. They were unable to give me any information regarding the transfer. Im not sure what else to do with this time as I can not get anyone on the phone to help me and the deactivation of my card didnt stop people from being able to pull money out of my account. I have attached the emails where I contacted the child support division here in XXXX County where they were not able to help me with this matter. I have also attached the documentation of the transfer out of my account As well as the emails that I received stating my XXXX   had been changed.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Dispute of Incorrect Charge-Off Reporting and Missing 1099-C Form To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report by Apple Card/Goldman Sachs Bank USA . Specifically, the company has inaccurately reported a " charge-off '' for some months in XXXX, some months in XXXX, and every month in XXXX, even though this account was charged off only once. This is a misrepresentation of the actual status of the account and constitutes an error under the Fair Credit Reporting Act ( FCRA ).

Additionally, I have never received a 1099-C form after the account was written off, which is a legal requirement when a creditor cancels a debt of {$600.00} or more. The failure to issue this form further indicates improper handling of the account and its reporting. 

Due to these discrepancies, I request the immediate removal of the inaccurate charge-off entries from my credit report and a correction of all related records. Please investigate this matter and provide a resolution as soon as possible. 

I appreciate your prompt attention to this matter and look forward to your response. Please provide me with written confirmation of the actions taken regarding my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/2021- XXXX asked for contract and couldn't provide and didn't delete XX/XX/2021 XXXX asked for sign documents and couldn't provide and didn't delete XX/XX/2021 XXXX ask to be deleted because this isn't mines
Product: Checking or savings account

Last Wednesday I received a Debit card with my information on the letter and my name on the card. I immediately reported to cash app I did not request this and let them know someone fraudulently opened an account with them I was told I would be reached out via email the next business day I received no contact and fought with customer service for 3 hours just to get an in contact from a manager who used very obvious templates to reply to me and did not address any concern. I tried contacting another customer service again m and all I get is a reference number that I cant even check a status on and told everything is worked on in the order it is received. Today is the 3rd business day and my bank accounts have been frozen almost a week to protect myself until this is resolved. I need a status update that they are even doing anything
Product: Credit reporting or other personal consumer reports

I am reaching out to request clarification and documentation regarding various adjustments made to the alleged collection balance by XXXX XXXX XXXX XXXX XXXX XXXX Specifically, I need validation of the debt and final billing statements covering the period from XX/XX/XXXX, to XX/XX/XXXX, which encompasses the entire duration of the purported lease. It is unreasonable to expect payment for a bill that can not be reviewed for accuracy. 

My legal counsel ( please find attached the attorney DEMAND letter ) and I are contacting Equifax to enlist their legal assistance in compelling XXXX XXXX XXXX XXXX XXXX to furnish explanations and accompanying documentation for every alteration made to the collection balance, as delineated below : ( SEE ATTACHED LETTER FOR DETAILS ) These adjustments, orchestrated by XXXX XXXX XXXX XXXX XXXX, have been ongoing for over a year and have resulted in severe violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The systematic manipulation has caused considerable harm to my credit score and overall financial stability, demonstrating a blatant disregard for consumer protection laws. 

Moreover, the manipulative tactics employed by XXXX XXXX XXXX XXXX XXXX, not only violate the Fair Debt Collection Practices Act ( FDCPA ) but also implicate Equifax, as they are aware of these practices yet fail to intervene. As delineated in the FDCPA, debt collection companies are strictly prohibited from engaging in abusive, unfair, or deceptive practices during their debt collection efforts. 

It is crucial to emphasize that collection agencies, such as XXXX XXXX XXXX XXXX XXXX, do not have the authority to arbitrarily modify collection balances. The frequent adjustments to my collection balances, often by insignificant amounts, have led to notable decreases in my credit scores, ranging from XXXX to XXXX points each month. This pattern, commonly referred to as " trashing the consumer 's credit report, '' is a deceptive tactic employed to pressure consumers into payment. 

I urge Equifax 's legal department to intervene and compel XXXX XXXX XXXX XXXX XXXX to provide detailed explanations and supporting documents for each adjustment to my collection balances. Additionally, I request Equifax 's assistance in holding XXXX XXXX XXXX XXXX XXXX accountable for their fraudulent practices and ensuring that my credit report accurately reflects my financial standing.
Product: Debt collection

Was charged for installed equipment on garage door that I never requested. In fact, on the bill from XXXX XXXX XXXX XXXX XXXX, company acknowledges that I did not call them to do the work and that it was instead a person who lived " next door '' who summoned the company to fix the door. This debt is now being sent to a collection agency even though I never requested the services in the first place.
Product: Credit card or prepaid card

This Chase account was opened through my Amazon account ( introductory offer which saved money on the purchase ). The balance was paid in full on the next statement ( XX/XX/20 statement ). 

Then started receiving debits for XXXX XXXXXXXX on this statement ( XXXX & XXXX ), which was paid on the XX/XX/20 statement ( even though I did not want these services ). I called to cancel services and was on hold for an hour ( 58 minutes to be exact ) and was disconnected by Chase during the transfer process. The account is now starting to receive late fees ( {$39.00} ). 

On the XX/XX/20 statement, started receiving XXXX XXXX charges ( XXXX ) in addition to the XXXX automated debits. I DID NOT ASK FOR ANY OF THESE CHARGES TO BE APPLIED TO THIS ACCOUNT AND CAN NOT GET ANY HELP TO REVERSE THESE CHARGES. 

I finally was able to speak with someone and they want to treat as fraud? This is not a fraud issue. The charges from the partnership with XXXX need to be reversed. I even had to speak with XXXX to have their charges reversed. 

In short, I could not get all fees reversed and fees waived and can not get someone from Chase to assist in resolving this issue. The balance is entirely XXXX fees/late fees and interest. I have never experienced such a bad customer experience. I have now received a charge off letter
Product: Prepaid card

I called to get my money back from someone who was committee fraud and there was no one to talk to and I could not get any help. I tried calling one more time and was told there was nothing that could be done.
Product: Checking or savings account

I was charged overdraft fees on my account that were not supposed to have been charged. These were supposed to have been refunded per class action lawsuit but the account is closed and I have not received a refund for these fees.
Product: Vehicle loan or lease

This account is under litigation. Santander Consumer USA keeps calling about a debt of {$17000.00} I have no knowledge of. When I stated I have no knowledge of this transaction or why this was on my credit reports they still pursued the collection with unculicited phone calls after hours in a harassing manner. I finally decided to get to the bottom of this so I requested the original signed contract with a signature and loan terms so I could verify the source of this debt immediately and they refused to supply one at that time and it's been months since I first requested.
Product: Debt collection

I have paid credit control LLC to settle a debt from XXXX XXXX XXXX XXXX. The last payment was made on XX/XX/21, after several attempts to contact and verification that the settlement has occurred, I have not received a letter stating this and XXXX XXXX has not been notified. I keep getting the same promises to update but nothing has happened and my XXXX XXXX is affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently seen some inaccurate and incomplete information on my credit report from the CRA 's ( XXXX, equifax, and XXXX  ). I sent them dispute letters on XXXX XXXX, requesting documentation and the validity of the alleged debts, 15 USC 1681 and have not yet received anything. 
Equifax certified # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am under a forbearance with my current mortgage company Freedom Mortgage. I was sent paperwork stating I can take advantage of an extension. And I did. However, I was not notified until after the reporting and this was from a live agent, not through paperwork, that the review can take 30 days. Instead of extending the forbearance, they skipped an entire month and approved me for three additional months and no one notified me that I was considered late and in risk of credit reporting after calling and making a partial payment. The agent confirmed at the time I was indeed under a forbearance. It is their duty inform consumers of any potential negative credit reporting and to provide clairty. I have asked for this company to remove the negative mark as a show of good faith, especially with my payment history being untarnished and they have refused.