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

I had a XXXX dollar XXXX  investment hacked and stolen from my Coinbase account with no liable responsibility taken from Coinbase on XX/XX/XXXX that I was just made aware of on Thursday XX/XX/XXXX. That investment would be worth over {$4500.00} today. On XX/XX/XXXX, I received a phone call from a mimicked phone number of XXXX  claiming it was XXXX  needing to confirm information on my account due to failed attempts to log in to my account. I had tried logging into my account the day prior and forgot my password so I figured I had frozen my account and they were calling to confirm that their was no suspicious activity. They were sending me text message verifications that were coming up on my phone as texts sent from XXXX. All I did was confirm the text verifications from XXXX. I did not provide any password, social, DOB, etc to these individuals and proceeded to hang up shortly after the call. I had no reason to believe there was anything suspicious going on or anything that could compromise my account given I had not provided essential information that would lead to accessing the account. I was not made aware until XX/XX/XXXX when trying to log back into my account to sell the recently appreciated investment that I, 1. could not log in, and 2. someone with no association to my name made 3 transactions of moving my XXXX out of my account on XX/XX/XXXX. They had an alias name of XXXX XXXX XXXX and the IP address associated to the transactions was XXXX. I do not know how this would be possible given my name was under the title of the account, so there for I should be the only one allowed to make buy/sell/transfer transactions. I received no notification from Coinbase that any activity like this, especially such suspicious activity, was performed. I had no reason to wonder or check my account because I was invested for the long run and waiting for a large spike in value, which finally occurred last week around XX/XX/XXXX which caused me to check. Coinbase takes no responsibility for their lack of security, and will not replace or attempt to recover my stolen funds. I am a recent grad struggling to pay bills, especially during a pandemic, and could really use those funds right now.
Product: Checking or savings account

Having issue with UNAUTHORIZED TRANSACTIONS The ReliaCard is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. 2021 U.S. Bank. Member FDIC. 

XXXX XXXX XXXX XXXX family ( Beneficiary ) WITHOUT PREJUDICE UCC 1-308, I.e, all Natural inalienable Rights Reserved Please address all future correspondence in the matter to a direct Human Self, namely XXXX of XXXX XXXX XXXX XXXX as commonly called. 
I recently noticed noticed that this account has so many unauthorized deductions/ transfer 's fraudulentlv using my funds to pay past bills. I'm Demanding that account be back in the positive or I will have to seek litigation for civil remedies. 
ELECTRONIC FUND TRANSFER ACT The Electronic Fund Transfer Act ( EFTA ) ( XXXX XXXX XXXX et seq. ) of XXXX is intended to protect
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX accounts on my experian credit Bankruptcy Bankruptcy Ive submitted valid verification of fraudulent accounts and these companies have not provided proof of these accounts nor validation of these fraudulent accounts. Ive submitted serval police reports and fraud report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) EXPERIAN, XXXX, and XXXX are require to remove any items which were opened without my knowledge, consent or authority. This complaint is to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX XXXX : {$470.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Product: Mortgage

Bank of America has had me in a Modification since XXXX. Not really getting no answers. Now they have given me a new server for the mortgage, with all fees attached and filed for a forclosure, and added more fees to accommodate that as well. We are so exhausted with this process. Please consider some type of help with this extremely long process and all the added fees which are thousands of dollars, in which we are already in a struggle. They have been so misleading since the forbearance has ended. They have changed their words, all help from the beginning and now won't even conversate with you. Bank of America has been a great disappointment to me and my wife in a very hurtful manner.
Product: Debt collection

I walked into XXXX XXXX  to pay a small monthly bill and told them my services wasn't working properly. The sales rep then told me it's my phone that I should buy another one. I told him in the future I will, when I have enough to afford one. He said that I could get a phone through them by just paying a down payment of {$100.00} for a phone that's worth around {$170.00} and a free case and cover for free and then I would just have to pay him the remaining balance of {$15.00} dollars extra a month to pay my {$75.00} dollars off. I said is there any hidden fee or taxes he said no! I took the deal and paid with my bank card and he told me to sign for my bank debt card and gave me only a reciept for my {$100.00} down payment. The following month I get a huge charge of like {$85.00} dollars out of my bank account and get a insufficient charge on my card to only find out that it was from a company called XXXX XXXX  that was charging me for the phone XXXX XXXX had just sold to me. I went to XXXX XXXX and the sale man claimed he had no idea that they would charge me up front the remainder of the payment at once. I said I made a deal with you not them. He claimed not to worry that now I'm done paying for it and apologized! The following month I get another charge of {$85.00} more dollars taken out my account by XXXX! I run upset into XXXX XXXX and the guy acted like he didn't know me and asked what was my problem. When I told him that I work with the community leaders and his scam is going to be exposed. He claimed that they where only charging me for the case that he claimed was free with the purchase and some hidden taxes. I told him to take back the phone and his case and that I want a refund. He then claimed he will give me 2 month free on my monthly bill to make it up to me. I said ok! I also had my debit card changed just in case these scammers tryed anything new in the future! This was 5years ago. I didnt get any reciept or and no contract but only a reciept of my down payment of {$100.00}. About a month ago I get a collection charge by a company called Vance & Huffman phone number XXXX XXXX XXXX XXXX placed on XXXX  a dept of {$240.00} dollars claiming they bought the dept from XXXX XXXX. I called Vance & Huffman explaining to them that it's a fraud and that I don't owe them anything and why wasn't I contacted by XXXX XXXX  and that this isn't right and they refuse to believe me and told me to pay them or else it's going to stay in my statement. They asking for reciepts I no longer have. Now I don't who to takes this to. I need your help. I WROTE TO MY MAYOR and waiting to see what happens. I put a dispute with XXXX  and they left it as acuturate with there conclusion and also changed the claim date Vance & Huffman placed thier claim to a year ago when they placed it a month ago. Since I dont have a option to explain verbally and only by hitting some options they have placed in thier despute questionnaire now I'm screwed. My number email is XXXX My name is XXXX XXXX! The Amont I'm stating above is a assumption since I never got a contract or receipe from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$440.00} XXXX XX/XX/2023
Product: Mortgage

Insurance company issued a check for home repair after a claim, round point mortgage company gave us the wrong address to send the insurance check to be endorsed, twice over the phone, we overnight the check to the address we were provided on two separate occasions, we are then told to expect the check to be returned on XX/XX/11, if not call back, we call back on XX/XX/11 after not receiving the check, and are then told by a supervisor of the XXXX XXXX XXXX, that we were given the wrong address, and the check was mail from the incorrect office address we were given, in TX, to the correct round point mortgage company office in SC, with no tracking, or certified mail. Its now been more then two weeks since round point told us they sent the check from TX to SC, the supervisor, XXXX, has refused our calls and routed us to a customer advocate at the company XXXX, both the supervisor and customer advocate refused to give us a last name as they are the only XXXX, and XXXX at the company the company has told us all they can do is check the daily checks received manifest to see if the check was received, but will not produce any information from the TX office checks received manifest, or provide proff that the check was actually sent from TX to SC, after we were told weeks ago from the supervisor that it was, the only history of the check the company can provide is the tracking information that we had overnighted, and have signature and tracking information from XXXX that round point TX did receive the check, beyond that they refuse to do anything to show any kind of records or make any effort to find the check, and our home has now been destroyed for months, and we are being held hostage by an indifferent mortgage company, who could obviously not care any less because the events described here do not effect them getting their payment on the first of the month, they check is required to be endorsed by the mortgage company because they are supposed to have a vested interest in our property, but it is very clear they do not, and that they will not do anything to correct their mistakes because they dont have to, I have been paying my whole mortgage for months while living in half a home because of round point mortgages indifference. The company has pused us off to a customer advocate who clearly is advocating for the company. This might not be the right place to get help but i am at a loss, and dont know what i can do, the contractors who have handled the original claim need money and have mentioned suing us, for an issue caused and prolonged by round point mortgage.
Product: Debt collection

I have never been to XXXX Texas or seemed medical attention there. This is incorrect. Also I have XXXX so if I did seek medical attention it would be paid by the state. So something is not right. Also this is the first time I've heard about this. So we need to resolve this immediately. So if it's identity theft I can do what I need to to fix this.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the new CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially having funds. I believe these funds practices are unfair and request an investigation into my account transactions
Product: Credit card

Barclays is refusing to remove false information from my personal credit report, despite the fact that it stems from credit card fraud. Instead of correcting the error, they continue to redirect me between the Office of the President and the Fraud Department without providing any real resolution. I have submitted all required documentation, yet the issue remains unresolved. 

While I did open the credit card, I have not made any transactions since XXXX XXXX. Despite clearly explaining this to Barclays, they persist in requesting details about specific transactions from the statements. I have already informed the Office of the President that the card was stolen by a former employee, who also took control of my online accountpreventing me from making payments, viewing my statements, or using the card. 

Although I have reported this fraud to the police, filed multiple CFPB complaints, disputed the account with all major credit bureaus, and successfully had it removed from XXXX, Barclays continues to deny the fraud claim. Given the clear evidence and ongoing efforts to resolve the matter, this inaccurate credit card account must be removed from my credit report immediately.
Product: Debt collection

Service for daughter was provided through Louisiana 's XXXX XXXX XXXX. We were repeatedly told that services and products were at no charge and a covered part of the program. 

XXXX XXXX - XXXX XXXX is charging us a fee for {$1200.00} and using the debt collection agency XXXX  America to collect funds. 

I have reached out to both the collection agency and XXXX XXXX, neither will return calls or explain this charge. 

USCB Reference Number XXXX
Product: Checking or savings account

To whom it may concern my name is XXXX XXXX, I am filing a complaint against Capital one Bank. I received a XXXX XXXX XXXX grant in the amount of {$10000.00} on XX/XX/XXXX, my XXXX  was a XXXX  XXXX  that I used to provide XXXX  and XXXX  for XXXX XXXX at that time. Because my XXXX was a XXXX XXXX, I used my Capital one personal checking account for that business purpose, which by law is totally legal to use your personal bank account for a XXXX XXXX. On XXXX  XXXX XXXX XXXX XXXX XXXX, Capital one put a restriction on my account six months after I received the XXXX grant. After explaining to Capital One Customer Security Department that my business was a XXXX XXXX the restriction was removed. On XX/XX/XXXX Capital One decided to put another restriction on my account, once again I contacted Capital One Customer Security Department and they said that they decided to close my account. The Amount in my account as on XX/XX/XXXX is {$3400.00} in my Capital One checking account XXXX, and {$240.00} in my Capital One Saving account XXXX, that is a total of {$3600.00}. Personally, I feel that Capital One Bank Customer Security Department profiled me, and I have a few reasons why I am making these allegations against Capital One Bank. 1. I received the {$10000.00} grant on XX/XX/XXXX, why would Capital One Bank wait until XXXX XXXX which is XXXX XXXX XXXX to put a restriction on my account? 2. After the restriction was removed the same day, which was on XXXX XXXX XXXX, since then I have received my {$600.00} Stimulus payment from the IRS, a XXXX payment in the amount of {$750.00}, and Cashier check payment for {$3000.00}, why on XX/XX/XXXX, did Capital One Bank decided to put another restrict on my account again? knowing that I currently have {$3400.00} in my checking account and {$240.00} in my Capital One saving without sending any type of warning letter or email of any kind and knowing that I am a XXXX  class XXXX American male, that uses my funds to put food on the table for my family and pay my bills. I am really upset about this because I really believe that Capital One purposely profiled and targeted myself and other minorities. I currently have a totally of {$3600.00} and Capital Bank needs to send my funds asap so I can pay my bills. Thanks
Product: Vehicle loan or lease

XX/XX/2022 CHASE AUTO /REDEMPTION DEPARTMENT contacted me to say my car was not late, but i requested information on my loan I requested Accounts 31 U.S.C 5118 Creditors consumer are the Creditors Customers are the creditors receivable and accounts Payable for account # XXXX and they sent me a payment history15 U.S.C code 1692j-Furnishing certain deceptive forms from their company and not from the ledger these we mailed to Chase Auto XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, LA XXXX they then I sent the full amount of the payment and they still repossessed my vehicle after repossessed my vehicle and they accepted my instrument UCC 3-104 Negotiable instrument and didn't honor it I redeemed in lawful money presient to title 12 U.S.C 411 and full acquittance and discharge per Title 12 USC 95a and the picked my car up illegally stole my vehicle 15 U.S.C 1602 ( g ) .after they stole it i hade to send them a payment for the full amount and they still reported ,18 U.S.C section 371 Conspiracy, 15 USC 1692e ( 1 ) 15USC 1681b ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Bank account or service

on XXXX/XXXX/2015, My bank at that time, Fifth Third of XXXX XXXX Ohio accepted a fraudulent check that they knew was fraudulent because it was flagged immediately and cashed by someone using my identity in another state. On that date. I immediately went to my Fifth Third branch and told them that they should not accept any check and to verify the signature before releasing any funds. I WAS VERY SPECIFIC IN THAT I TOLD THEM TO NOT TO RELEASE ANY OF MY FUNDS AT ALL WITHOUT MY EXPRESS APPROVAL IN PERSON. They already knew it was a fraudulent check, but cashed it anyway, as they had called me into the branch. They claimed that I had authorized release of funds from this person in another state and accused me of money laundering and that they were closing my account and not giving me my money back, which was well over {$2700.00}. Even though I had been a customer for over 14 years ; They cleared me of wrong doing, they refused to give me any funds back and refused to do business with me. I had insurance specifically for this through the bank. No signature verification was done, and I also had daily limits on my ATM withdrawals prior to this- so this had to have been done by a teller. I asked them to call the police or the FBI, which they refused to do. I told them that I intended to do so, and they threatened my, telling me that the burden of proof would show that it was my fault, and that I would go to jail.
Product: Mortgage

We had the impression or understanding that there would be an opportunity to get the mortgage insurance premium removed from our payment after we had reached 80 % of the value of our home paid. We bought our home in XX/XX/2021 and the only information we have received from M & T Bank regarding this concern, was after I made a phone call asking. We then received a letter stating we could not get the insurance removed for the life of the loan with no explanation as to why. It is my understanding that we could/should expect to have written communication from our lender annually at a minimum regarding how we could get out of the insurance premium. Again, we received nothing, except the attached letter, AFTER I called asking.
Product: Mortgage

I went to quicken loans and Rocket Mortgage to try to refinance my mortgage. I had just gotten word that my mortgage interest was going to increase so I wanted a new loan. I contacted quicken loans on approximately XX/XX/XXXX They said they could help me. In our initial contacts and review of loan I was told that I would not need to put any money down as closing costs. I would need to do an initial deposit for appraisals, etc. During the loan process and the appraisal things changed. I was constantly asked to prove I had XXXX which I don't have. I was then told that the appraisal came in lower so I would have to. I spent over, including the XXXX deposit, XXXX dollars in getting my house ready. I kept continuall y getting letters for proof of money. I finally called and they said I need the XXXX now because my house was appraised lower and basically they didn't think they could get me a loan now. At this time covid has happened and I am unemployed. I begged for my appraisal back. I would not have gone through this process if I was initially told I would need money down. I don't have any money to do that. They said it is through a 3rd party so no. They refused to give me any money back.