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

I am locked out of my account with XXXX usd out of access and no matter what I can not get coinbase to respond with anything that actually resolves this. 
I lost, and have now replaced, a 2 factor authentication device ( my old phone ). I previously complained to the CFPB about this. Coinbase replied in a way that indicated that they had not even read any aspect of the complaint at all. They have taken zero real steps towards resolving the issue. 

The response they sent to me after the CFPB forwarded my initial complaint was an auto-message identical to the first one they sent to me. This indicates that no one had even read my emails to them. 

I really need a solution to this now as my assets are depreciating and they are denying me access to my funds and are misrepresenting the situation to both BBB and CFPB by saying that I will be contacted by an agent. I have received absolutely zero assistance from coinbase other than additional auto-messages ( many of which are repeats ) which do not resolve my issue. A human agent is needed to solve it. 

I have created a new account as instructed several months ago before they stopped replying the first time. Now the site claims my id is invalid. This was not the case when I used the same id to send them money. It must have become invalid now that I want to withdraw it seems. 

I feel at this point they are sending me in circles and have read none of my messages. No genuine attempt whatsoever has been made to restore my account access despite months of trying. Any time they reply, it 's an auto message, and then there is no further contact. Even after the CFPB asked for a reply, I was only sent an identical auto message which clearly indicated that no one had read my messages. This can been seen in my attached ( fourth attempt ) to get a real reply from them. 

Furthermore, many many other people seem to be in similar situations with this company as complaints are becoming highly visible online.
Product: Bank account or service

Someone obtained my debit card info and submitted XXXX charges to my account on XXXX/XXXX/2017. XXXX charge was {$53.00}, the other was {$43.00}, totaling {$97.00}. Both charges were through XXXX, XXXX. shown on my bank account with the phone number : XXXX. The call on XXXX/XXXX/2017 was answered in XXXX. ( They told me they also had XXXX other office in XXXX, CO. ) They told me to email their fraud department at XXXXXXXXXXXX. I received a reply in a few hours. However, they advised me that they could only block my card number and could not reimburse me because they already transferred the funds to a third party. I am having my bank, Citizens Bank, try and recoup charges through their fraud department. I think it is unfair that XXXX can not have records to indicate who the third party is, in the event they have to go after this third party. There should be a law to prevent this.
Product: Debt collection

I received a letter and a phone call from " HILLCREST DAVISON & Associates '' regarding an outstanding debt from a creditor called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They said I had a security system installed in XX/XX/XXXX and I owed the company {$2500.00} and were going to report it to the credit agencies. I do not have ; nor have I had a security system installed in my home. My husband passed away in XX/XX/XXXX and I filed for Chapter XXXX due to outstanding medical bills we owed due to my husbands health. I have become XXXX and do not/nor can afford any contracts for home security installations systems. My security is a loaded Colt .45 semi-automatic handgun on the pillow on my bed. The woman who contacted me from Hillcrest Davidson had all my information including my address and social security number. I might note that my private information including my banking, credit cards and e-mail has recently been hacked which may be why this is happening. I am just now at the XXXX-year time frame from when I filed bankruptcy in XX/XX/XXXX and I received credit card offers regularly. I have also traveled XXXX for extended periods of time XXXX since the death of my husband. I have had local people house-sit here during my absence ; XXXX of which I recently had helping me do repairs. I caught him stealing from me. In fact, I have been dealing with thieves ever since to loss of my husband ( he was XXXX and had a XXXX ). I can not find my wedding band/engagement ring ; XXXX guns ; weed wackers ; tools and various other items that were stolen by people I have hired to mow my lawn ; clean my pool ; do repairs, etc. I have no idea who/how/or when the fraudulence began. I might also note that when boarding a flight to XXXX, XXXX XXXX I was the last passenger on and there was no room for my carry-ons and that of XXXX other passengers. I had to chose between my purse with all my meds ; money ; important documents or luggage that had my laptop in it. The airline checked my luggage and it was lost. My computer had all my personal information on it. I can not prove how I was compromised. I welcome anyone related to the claim of an alarm system to come to my house and look for themselves. My abscences from home were extensive i.e. XXXX weeks XXXX ( XXXX times ) staying with relatives and XXXX staying with friends ; also XXXX where my only daughter/child and grandson reside. There are A LOT of people in this county/state that have a XXXX problems. XXXX has also become wide-spread. The people who ripped me off were all XXXX ( which I found out after the fact ). I no longer trust anyone in or near my home. I am trying to build up my XXXX very high credit score and DO NOT NEED TO BE HARASSED by creditors THREATENING ME by mail and on the phone. The stress alone affects my health conditions and I can not stand to be accused of something I am not responsible from. I do have credit cards which I use and pay in full each month. I also pay all my monthly bills, including a car loan on time each month. I am very conscientious and am trying to normalize my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX Visa Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX   Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.
Product: Debt collection

Company is using a " spoofer '' to simulate calls from my area code. I get continuous calls at home and AT WORK from local, fake numbers.
Product: Credit card

My personal information was used with out my knowledge to open fraudulent accounts with Receivable Management Account Number XXXX Amount {$1100.00} My personal information was also used at XXXX XXXX XXXX Account Number XXXX Amount {$160.00} XXXX XXXX XXXX Account Number XXXX Amount {$520.00} the listed accounts was opened with out my consent the accounts are fraudulent I never opened these accounts.
Product: Debt collection

I was a victim of identity theft, i know who the person who used my credit cards without my authorization. I recently ran my credit and have found negative credit hits that i was not aware off. I have filed a identity theft report with FTC and provided the report to my creditors and a sealed court document from the district attorney where i made the court aware of this individual stealing from me. I have reached out to my creditors to discuss my situation, they all take this complaint lightly stating i am to honor the debt. Some claim there was an investigation done in 1 week. I have demanded an investigation to be performed in detail from XX/XX/XXXX thru XX/XX/XXXX on signatures to transactions on the credit cards with no success.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX # : XXXX I SENT A LETTER XX/XX/year> STATING THIS IS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME. I ASKED FOR YOU TO DO AN INVESTIGATION AND DELETE FRAUD ACCOUNT .I HAVE YOUR COMPANY RESPONSE I WILL ATTACH IN DOCUMENTS .THE LETTER IS ASKING ME FOR INFORMATION WHICH MEANS A PROPER INVESTIGATION TO VALIDATE ACCOUNT WAS NEVER DONE THIS ACCOUNT MUST BE DELETE IMMEDIATELY UNDER US CODE 1692e FALSE OR MISLEADING REPRESTATION
Product: Credit reporting or other personal consumer reports

The account they are reporting to my credit report is in accurate. The account in question is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. I never lived in the state of New York and thats where they said the account was opened at. Also the name of the account was a different spelling than my legal actual name. I need these accounts removed from my credit report.
Product: Mortgage

My insurance was not paid out of my escrow XXXX of XXXX and I was dropped. 

My lender Rocket Mortgage then put a forced policy in place since I did not have insurance and I lapsed in coverage I have been told by Rocket that they reached out to my insurance company and basically they would not/did not send them a renewal? 

My monthly payment went up XXXX XXXX 

I have found new insurance but they say I still owe for the lapse in coverage ( 6 months ) Rocket has advised me to contact XXXX XXXX and XXXX to get a better understanding on why I was dropped. Rocket Mortgage is placing the blame on XXXX XXXX, and myself. 

I consider this preying on consumers and I pray that Rocket doesnt get a kick back from the force placed policy insurer.

I just need my monthly payment where it was because times are hard.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX, XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 

Details of Disputed Entries : Creditor Name : USAA Account Numbers : XXXX Amount : {$2800.00} Dates of Unauthorized Reporting : XXXX, XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX Since I never gave consent for this information to be reported, I am requesting that these entries be removed from my credit report immediately. Please take the necessary actions to investigate this matter and correct my credit report accordingly. 

Additionally, I request written confirmation that these entries have been removed from my credit report and that you have informed the creditors involved about the removal due to lack of consent. 

Thank you for your prompt attention to this serious matter. Should you need any further information or documentation, please do not hesitate to contact me. 

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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Credit Report - Reference : XXXX XXXX XXXX XXXX Loan # XXXX To Whom It May Concern, I am writing to formally dispute a late payment that has been reported on my credit report, specifically referring to the Fair Credit Reporting Act ( FCRA ). This late payment, as reported by Equifax, was allegedly associated with my account with Bank XXXX XXXX Mortgage, and it is having a detrimental impact on my creditworthiness. 

On XX/XX/2023, I diligently mailed my mortgage payment check in the amount of {$1000.00} to XXXX XXXX XXXX XXXX, which was due on XX/XX/2023. The payment was dispatched through the United States Postal Service ( USPS ). On XX/XX/2023, I proactively contacted XXXX XXXX XXXX XXXX  to confirm the receipt of my payment. During this conversation, the representative acknowledged that my payment had indeed been received ; however, they failed to mention any processing delays or the length of time it would take for the payment to be reflected on my account. 
My assumption was that, given the confirmation of receipt, the payment would be promptly credited to my account. Moreover, XXXX XXXX XXXX XXXX  's payment instructions explicitly state, " To ensure your payment is credited on the date of receipt ... '' which led me to believe that any delay in processing was not my responsibility but theirs. 

In accordance with the information provided, my check should have reached XXXX XXXX  XXXX XXXX  's mailbox no later than Saturday, XX/XX/2023. The discrepancy arises from the fact that the 30-day late mark on my credit report was applied due to the payment 's processing date, not its actual receipt. 

In an effort to resolve this matter, I have previously requested documented proof from XXXX XXXX XXXX XXXX regarding the date of receipt of my payment. Regrettably, my request was met with refusal, and they have failed to provide any such evidence. 

By reporting inaccurate credit information, XXXX XXXX XXXX XXXX appears to be in violation of the Fair Credit Reporting Act, which is intended to ensure the accuracy of credit reports. It is apparent that the late payment notation is unfounded and damaging my creditworthiness. This situation has already resulted in tangible financial losses for me. 

In light of these circumstances, I respectfully request that the credit bureau promptly conducts an investigation into this dispute and, if found in my favor, removes the late payment from my credit report. Failure to do so would not only constitute a violation of the FCRA but also prompt me to consider legal action to protect my rights and seek redress for the damages inflicted upon me due to the unprovable, unvalidated, and inaccurate information on my credit report.
Product: Credit card

I just turned XXXX and am headed to XXXX this summer. I received an email advertising credit cards for XXXX students who obviously do not have credit history. I filled out the application for a Citi Card after much deliberation and WAS PROMPTLY DENIED. They sent me a letter telling me that the reason I was denied ws because I did not have credit history! Exactly! So they lured me in and I gave them all my personal information and then they promptly rejected my application. As if that we not bad enough, they obviously sold my information to other companies because within a month, I have started receiving junk mail and solicitations for financial services and credit card applications FOR STUDENTS WITH NO CREDIT HISTORY. I am FURIOUS that Citi Bank is snookering kids like me and then making money off of our personal data. I wrote to them and asked them delete all my information from their data base and they refused, saying I had agreed to sharing all that information when I applied for their credit card for students WITH NO CREDIT HISTORY. Do not allow them to get away with this, please!
Product: Consumer Loan

Financed a vehicle from XXXX XXXX with Ally Auto. Last payment was in XXXX 2015. The bank has still not sent a copy of the Lien Release to KS Dept of Revenue / Titles and Registration. Vehicle was involved in an accident and totaled. XXXX will not settle claim without Title. Contacted customer service on XXXX XXXX and was told it would be faxed within 24 hours. It still has not been received to date.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, a resident of XXXX XXXX, North Carolina, and a XXXX at XXXX XXXX, living with my wife and XXXX baby. I am scammed for {$45000.00} during my house closing process via wire transfer scam. I filed a complaint immediately with XXXX XXXX XXXX [ bank i used to transfer money from ] to put a request to Truist bank [ bank where i sent the money to ] to recover the scammed amount but the Truist bank did not responded with any specific details to XXXX XXXX XXXXXXXX and so XXXX XXXXXXXX XXXX closed my case. when i reached the local truist bank branch office and shared the account details they mentioned that the account was flagged as fraud and is under investigation but is not willing to return money even if the case is 90 days old. 

Below is the full story. 

We had purchased a new home and were working with a lender for my loan approval. The closing date was scheduled for XX/XX/XXXX, and the loan was expected to be disbursed on that day. On the morning of XX/XX/XXXX, I had signed a bunch of documents on the " XXXX XXXX XXXX  '' website as part of the loan approval process. 

On XX/XX/2023, I completed signing all the documents around XXXX XXXX The title attorney informed me that I should expect an email from the title attorney with details of the wire transfer regarding the closing costs. At XXXXXXXX XXXX  EST on XX/XX/XXXX, I received an email from " XXXX XXXX XXXX '' with the following message : Hello XXXX, Congratulations on the final steps of your purchase of XXXX XXXX XXXX XXXX XXXX XXXX, NC Your closing has been scheduled and will be coordinated XX/XX/2023. You need to have Cash to close funds wired to our trust account today to avoid closing delay. I will send the wire instructions once you have acknowledged the receipt of this email. I will be busy with limited access to my phone. You can send me an email if you need anything else. 
Please note : You will need a valid photo ID or any form of ID at closing. 

After acknowledging the email, they sent a reply with the details of the wire transfer. The email contained the following business account information : " XXXX XXXX, XXXX '', XXXX XXXX XXXX, XXXX XXXX, VA XXXX and the Bank account number is # XXXX. I was asked to send a similar amount of money mentioned in my closing documents which i did. 

I began to suspect that someone from the lender, the business that approved the loan for my house, had been tracking me and sent the email exactly when I was expecting it ( XXXX minutes after I signed all closing documents ). As I was multitasking with office work, I did not pay attention to the origination of the email. They had also CCed my real estate agent 's modified ID ( email ID very close to his original email but with a few characters changed ). 

After an hour of the transfer, I received an email from the correct attorney asking for the money. It was at this point that I realized I had been scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

n accordance with the Fair Credit Reporting Act - Experian has violated my rights in regards to the following items they are reporting on my credit report. 1. XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX XXXX Account # : XXXX These are the laws passed by the US Congress that Experian is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
" MY PRIVACY HAS CLEARLY BEEN VIOLATED BY REPORTING REPORTING AND FURNISHING MY PRIVATE INFORMATION. THIS IS A CLEAR VIOLATION OF 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 section 604 A Section 2. It states a consumer reporting agency can not furnish an account without written instructions from a consumer. 
" I DID NOT GIVE EXPERIAN WRITTEN INSTRUCTIONS TO FURNISH ANY INFORMATION ABOUT ME '' THIS IS A CLEAR VIOLATION OF THE LAW 15 U.S.C 1681 Section 604a Section 2.

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.

NO ADVERSE INFORMATION OTHER THAN A CRIME CAN BE REPORTED BY EXPERIAN. THIS IS A VIOLATION OF THE LAW 15 U.S.C 1681c. ( A )
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX, XXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

XXXX XXXX is attempting to collect on a debt I do not owe. This debt has been paid and should not be on my credit. Also, I never received any notification regarding this debt. No phone calls or letters. I did not know about this debt until I pulled my credit file. This is a violation of my 30 day right to dispute and needs to be removed off of my credit.
Product: Debt collection

I received an email today XX/XX/XXXX from a XXXX XXXX saying I was due in court on Friday to pay a bill or else the judge would decide for me. It said to fill in my zip code in a box on the email and it would give me the court to go to. It gave me a list of Federal courts. I emailed him back and asked him what it was about. XXXX, this payday loan place, said I owed them XXXX dollars. 

I have never had a payday loan. I wrote back by email and said he should check his accounts. I said I would contact an attorney. Well, it is election day tomorrow and my attorney is out campaigning. 

This is an awful thing to do to a XXXX year old lady. I have never even gotten a notice about the loan. How can anyone take anyone to court or threaten taking anyone to court without telling them well enough in advance? I thought you had to have a supoena.
Product: Credit reporting

Experian conducted an investigation on an item that was filed in error by the XXXX, and after Experian was notified of the item being filed in error, and subsequently rescinded by the XXXX they still left it on my credit file. When asked who verified the item, the customer service representative told me that they did not have to share any information about whom the item was verified through, which is in direct violation of the Fair Credit Act.