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

XX/XX/2018 My bank account went from {$190.00} to $ XXXX on account of {$610.00} of coinbase fees and {$100.00} bank insufficient funds fees. I called coinbase customer support to freeze my account and start a customer support ticket. The operator then told me my account was frozen and a specialist would look into the issue. After concluding the call i then get more notifications of account activity for the transfer of currencies from my account to some other. I then recall coinbase and explain my situation to another agent and they tell me my account had not been frozen but they will freeze it now. At this point i no longer have access to my own account. The phone number had been changed without my doing or consent. I got a notification that they where changing the email of my account and i had told the operators not to change it as it was not my email nor was it created by me. Yet it was changed and i can not access my account or its funds if they are still in my account. My bank has reimbursed me for the fees but i still had bitcoin in my account to the tune of XXXXXXXXBTC  when my account was hacked/hijacked. I fear my Bitcoin was traded away to another account and even if i resume access to my account it will be gone. I have since closed the bank account associated with my bitcoin for fear of more charged of which my bank would not cover. Ticket # XXXX I have received no response from coinbase about my issues.
Product: Debt collection

In XXXX I took out a payday loan from the XXXX in Illinois, I though the loan had been satisfied, but apparently it had n't. On XXXX/XXXX/XXXX I received a call on my work phone from XXXX stating that I needed to contact " XXXX XXXX '' ( XXXX ) and give them claim number XXXX XXXX XXXX. The informed me that the debt was a breach of contract and that was being sued and was in legal trouble for this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I disputed the XXXX XXXX account and the XXXX account as incorrect and unverified. 

Experian responded both as " verified '' and correct, yet they are reporting these in multiple ways. They are reporting them as " closed Accounts '' as '' charge offs '' and also ALSO as " unsecured loans ''. 
They are also claiming there is a current balance on these charge offs. 

Additionally, they continue to " renew '' this debt, instead of keeping the original date. 


I sent the request via certified mail ( unfortunately i am in the middle of packing and cant find the certified mail receipt right now, but do have it )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've informed EXPERIAN multiple times that I have become a victim of identity theft and fraudulent accounts are being reported on my consumer report. As of XX/XX/2022 EXPERIAN has not removed the accounts resulting from identity theft pursuant to 15 U.S.C. 1681c-2.
Product: Checking or savings account

I am filing a complaint regarding the management of how transactions are posted on the Wells Fargo App for the checking account. This has caused the correct balance to not reflect on the available balance for the app. 

My last transaction was on XXXX for {$7.00} and on Monday, XX/XX/year>2024 I had the balance of {$150.00}, for which I have a screen shot for that and on that same day I noticed XXXX unauthorized transactions for the following : 1. XXXX for {$16.00} 2. XXXX for {$16.00} I disputed these charges right away and I was issued a credit which brought the account available balance to reflect {$140.00}, meaning I was missing {$2.00} when the original balance was {$150.00} and not {$140.00}. Keep in mind I had no other transactions to fall through and my card was cancelled the same day I disputed. 

Now today, XX/XX/year>2024 I show the funds were deducted again for those XXXX unauthorized charges, after I had shown the day before a credit for these XXXX transactions was issued. This clearly shows, the funds were taken back and not credited. I called Wells Fargo early in the morning as soon I saw this and they explained transaction do not get orderly posted, meaning this is messing with the numbers by not reflecting the actual correct available balance that needs to reflect. 

I have tried to attach the screenshots I have showing my claim, but I was not able to. I can email them if needed. Thank you.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report solely under the specified circumstances : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' However, neither the financial institution nor the consumer reporting agencies, including XXXX, XXXX, and Experian,

possess my consent to disclose this information, as I have not provided written authorization. If there were written authorization, I can only presume it was forged, raising concerns of identity theft. Moreover, 15 USC 6802 ( b ) ( c ) highlights that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nevertheless, Furnishers of information to credit agencies failed to inform me of my right to exercise my nondisclosure option. 

Account Name : XXXX XXXX  Account Number : XXXX As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Fair Collections and Outsource is reporting a debt on my credit report that does not exist. I have requested validation of debt, including a signed contract/lease for the debt from XX/XX/XXXX - XX/XX/XXXX. I do not owe a debt. I did not have a contract or lease. I have requested this information from XXXX XXXX and they have failed to provide because it does not exist. XXXX XXXXXXXX sent fraudulent debt to Fair Collections and Outsource and they have not provided validation of debt. I would like the contract between XXXX XXXX and Fair Collections and Outsource and the financial information as to how much this alleged debt was purchased from by Fair Collections and Outsource from XXXX XXXX Please provide audit trail and all contracts/leases. Please provide all agencies ( credit and financial ) that this information has been provided to.
Product: Vehicle loan or lease

On XX/XX/XXXX, I opened an account with Wells Fargo Dealer Services. In XX/XX/XXXX a late payment was placed on my account. I still have the account open and up to date with the payments. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting to the three credit agencies. I am very happy with the service but however I am not the ideal customer and made mistakes with my handling of the account. As of right now my account is paid up to date and I haven't had any more late payments. I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which the non-payment and consider removing the negative trade line associated with this account from my three credit reports.
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX XXXXXXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.
Product: Debt collection

Per XXXX XXXX, the ownership of this debt is XXXX XXXX , XXXX and I have made payment arrangements with them ... MIDLAND has no ownership of this debt and I would like them to be remove from my credit ASAP ...
Product: Mortgage

I refinance my home to payoff the current mortgage and the HELOC into one loan. At closing we received a payoff statement that was very vague. The last statement we had showed the principal balance was {$39000.00} as of XX/XX/2020. My refinance paid off the loan on XX/XX/2020. The payoff statement stated the per diem is {$5.00} per day. with this calculation my payoff would have covered 32 days of interest. This would roughly be about {$170.00}. Per the payoff there were about {$92.00} unaccounted for. When I contact US Bank they could not explain the additional fee. I have been waiting for about 10 days for a response and have heard nothing. Also, the HELOC loan and all information is no longer available for me to access thru US Bank.
Product: Debt or credit management

I had signed up for services back in XXXX and paid almost {$2000.00} with no progress. It's honestly so long ago I can not remember the exact dates
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act '611 ( a ) ( 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 


1.Identify theft : Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX 2.Identify theft : Acount XXXX XXXX XXXX Account number : XXXX Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe Thanks
Product: Student loan

I applied for SAVE on XX/XX/XXXX and my application is still pending review. I was put into forbearance since that time. I received an email on XX/XX/XXXX stating that my standard IDR payments will start in XXXX. Aid advantage has not reviewed my SAVE application from the US Department of Education. Their phone hold times are hours long and no one responds to emails.
Product: Mortgage

I started my refinance process for my house with Guaranteed Rate. My Loan consultant was XXXX XXXX XXXX ID : XXXX. I paid a {$500.00} deposit for the appraisal which was originally {$470.00}. The Loan consultant said that i would get the money back even if i decided to cancel my application. I felt that this agent was very misleading with his word. Im afraid he been taking advantages of other peoples just like he did with me.
Product: Bank account or service

Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened.
Product: Vehicle loan or lease

It created the Federal Trade Commission ( FTC ), which is charged with enforcing antitrust statutes and promoting consumer protection. The FTCs Bureau of Consumer Protection investigates consumer complaints regarding deceptive trade practices and other violations of consumer protection statutes.

The Truth in Lending Act ( TILA ) protects consumers against deceptive or unfair practices by banks and other creditors. It requires banks and other lenders to disclose the total cost of a loan, including all interests and other costs expected to be paid over the life of the loan, at the time a consumer signs the promissory note. For loans that create a lien on the consumers residence, such as a home mortgage refinance, the law allows a three-day right of rescission, meaning that the consumer may cancel the loan with no penalty. 

The security of consumers personally identifiable information ( PII ) is critically important as a means of guarding against identity theft and other forms of fraud. Numerous statutes regulate how certain industries handle and store consumer PII. One of the most comprehensive laws is the Health Insurance Portability and Accountability Act ( HIPAA ), which sets national standards for medical recordkeeping in order to protect consumers protected health information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue regarding a collection account that is being reported on my credit file. It has come to my attention that the collection agency associated with this account, XXXX XXXX XXXX, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the XXXX XXXX XXXX, specifically XXXX XXXX. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.
Product: Payday loan, title loan, personal loan, or advance loan

I had to move and funds became tight in the process. I had to miss a payment in order to afford moving and plan to make it up. The creditor has been calling me off the hook regardless of me messaging them ahead of time to convey the situation and let them know that I planned to pay it. Not only that but it's barely late. It's not as of it were XXXX whole payments late and on the brink of being totally bad. They called early in the morning before XXXX Alot too. I have the call logs and everything. It shouldnt be like your getting harassed when your having financial struggles. I wouldn't even had used credee if I didnt have to at the time
Product: Mortgage

Bayview took over the servicing on our mortgage that we are behind on. We had an attorney that we hired to help us obtain a loan modification since our payments had increased. We were in a hardship situation due to the death of the primary supporter of the residence who was on the mortgage. Our attorney told us in XX/XX/2018, that we needed to file for bankruptcy to help get the mortgage modified. However, the attorney was incorrect and the bankruptcy court reprimanded him and dismissed the bankruptcy. On XX/XX/2018, we received NOTICE OF TRUSTEES FORECLOSURE SALE set for XX/XX/2018. We contacted Bayview to explain the situation with the attorney and that we would like to have a modification and keep our home. They instructed us to submit a Hardship Application. They said that they needed the copy of the death certificate and will so they could speak to us. I submitted those items immediately and received a notice on XX/XX/2018 from Bayview thanking us for submitting the application for loss mitigation. On XX/XX/2018, we submitted a Hardship application with all financial information that Bayview had requested. On XX/XX/2018, Bayview sent a letter thanking us again for sending the application for loss mitigation saying that within 30 days of their receipt of documentation, they will provide us with a written decision regarding our eligibility for an assistance program. On XX/XX/2018, Bayview sent another letter stating they had received the request for assistance from us, but were unable to consider this request because the submission date was too close to the proximity to the scheduled foreclosure date. I then contacted our loss mitigation representative, XXXX XXXX XXXX who told me that there was nothing we could do and that Bayview will not consider our application because we were within 37 days to the sale date. I pleaded with him for any help, including a short sale, deed in lieu of foreclosure, anything except the actual foreclosure. He said absolutely there were no options for us. On XX/XX/2018, we were informed by a private third party company, that our home WAS NOT LISTED FOR FORECLOSED ON XX/XX/2018. Subsequently, we have now learned that the actual posting date for foreclosure is XX/XX/2018, which is more than 37 days since the Hardship Application was submitted to Bayview. We have never heard back from Bayview again nor any attorney representing them. Our application should be reviewed and considered since we did submit it within the time frame Bayview requires. We were never given any rights to appeal their decision. We were given NO options or advice on how to proceed. We are upside down on our home due to structural foundation problem and hail damaged roof. We would like to keep our home and want to bring our account current, but need Bayview to help us.
Product: Student loan

Need to find out if my student loans are government or private. Trying to get lending for a house
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

I AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT. 


1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect personal information off my credit report
Product: Money transfer, virtual currency, or money service

A friend sent me {$4.00} through Venmo to pay me back for lunch. I received a text message from Venmo notifying me of the transfer with a link to sign up for an account so I could retrieve the funds. When I followed the link and tried to sign up with my phone number, I received an error that it needed to be a mobile number. I contacted their support with details about my phone service and the fact I had already received an SMS message from them, and their response was that they only support mobile numbers from cell carriers like XXXX, XXXX, XXXX. 

My phone number is fully capable of receiving SMS and I have used it with other services using SMS for things like XXXX, but it is not tied to a cell/mobile XXXX. I have a number with XXXX ( https : //jmp.chat/ ), which some might see as a VoIP service. I do not think it's appropriate for Venmo to exclude numbers based on arbitrary criteria if those numbers are capable of functioning with their service. I do not have phone service with any other provider but XXXX, and I do not have a phone that can install apps from the XXXX XXXX XXXX or XXXX Play Store. 

Begin personal information : My phone number that I am trying to sign up with is ( XXXX ) XXXX. It was previously with mobile carriers including XXXX and XXXX XXXX, and I have had it for over 15 years porting from provider to provider.