23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit reports through XXXX XXXX   from XXXX  and XXXX from Waypoint Resource Group or XXXX. The debt is from XXXX. I was born in XX/XX/XXXX ; I'm in XXXX  and I have always lived with my parents. I have never applied for TV or internet services. The only credit I have is a credit card through XXXX XXXX which is in very good standing, never late or over limit. The debt has a date of XX/XX/XXXX on my credit reports. I filed a dispute with the credit bureaus and directly with WayPoint and it's still on my report. I'm about to enter graduate school and I need to have clean credit to get the loans required to graduate. I was advised by my counselor to request debt validation with proof of a signed application, dates as to when the account was opened, how it was opened, etc. I never received any proper validation. All I received was a copy of a bill with the dollar amount of {$610.00} as the balance. No proof as requested was provided. Under the FCRA, I have the right to request debt validation and it must prove the debt is mine and was obtained correctly. Please remove this from my credit reports as I'm just a young student trying to make the best of my life and this is causing many problems. 

WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

I requested this alleged debt be properly validated under the FDCPA. I do not know this account or an account with the original creditor. There is a possibility that this account was opened fraudulently or by a person with a similar name. I have demanded an investigation through the national credit reporting agencies and the results state that their collection meets the standards of the FCRA. However, as a third-party collector, the debt was never validated with me. I have no dealings with this company. I have no idea what type of account it is because on consumer reporter it is listed as " debt buyer ''. This account is significantly damaging my overall credit rating, inflating my debt-to-income ratio, and I am unable to get a job because they continue to appear on all of my reports. They must provide me with proof of my alleged debt to them or my next step is to submit complaints to the Better Business Bureau, and Attorney General, and file a lawsuit.
Product: Credit card or prepaid card

On XX/XX/2018 I was going to buy a trampoline for {$80.00} on XXXX. When buying they advertised if you buy something for more then {$50.00} and apply for the XXXX XXXX credit card they will give me {$45.00}. So I applied for the credit card that same day and was approved for XXXX limit. I attempted to use the card online and it was impossible to use. I called Syncrony Financial and XXXX XXXX, and they were not able to help to buy the trampoline with the credit card I qualified for. I called multiple times that day, and no one was able to help. They said they would email me a link to make the purchase with the new credit card and nothing worked. Synchrony said they were not able to give me the credit card info for security reasons. They informed me once I receive credit card to make purchase and I will receive the promotion. When I got credit card almost 2 weeks after I went into XXXX XXXX Website and bought the trampoline, and called Synrony to ask when will credit be applied, and they are telling me because I did not buy the product with the credit card that same day they can not honor the promotion. Then I called a second time and they said they will put in a request and it should take two day. I called today and they told me they don't see the credit and that they will put another request and to give it two more days. At this point I have lost confidence in synchrony and I just want them to give me the XXXX dollar credit promotion as they promised. I don't need the credit card I could have bought this cash, but I wanted to take advantage of the card promotion and the points they offered. I am so upset at them that I don't even want to use the credit card anymore and I just want the credit. I am asking for them to be ethical and to give me the XXXX dollars they promised.
Product: Credit card or prepaid card

I filed a complaint previously regarding this matter and Chase refused to remove the excess interest they charged me on both my accounts once I had paid them in full, well before the due date. They are saying it is " residual interest '' that is charged between the time they billed me and when I paid the accounts in full. It was always my understanding that if the account was paid in full before the due date, there is no interest to be charged. 

They reduced one card down to {$37.00} on the account ending in XXXX. I paid the {$.00} owed after the remaining balance was paid on XX/XX/2022, well before the due date. when I got my next statement for XXXX, XXXX they had charged me interest on the entire amount previously owed! I refused to pay the {$37.00} and my account balance is now ( again ) {$86.00} with a balance due of {$77.00}. At one time, it was as high as {$100.00}. I'vve been charged yet another {$29.00} in " fees ''. I accidentally made a {$20.00} charge on that card, which I will be changing, and they accepted the payment, assumably, on the " overdue '' amount. 

The second account, ending in XXXX did have a balance of {$5.00} but apparently Chase decided not to try to collect that and my account is now showing a credit of {$.00}.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect DOB - XXXX Incorrect Name - XXXX XXXX
Product: Credit reporting

There is a collection account on my credit report from XXXX. 
I never received a bill. 
I have dispute this on my Equifax report back in 2013. 
I sent a letters for validation and dispute and the company never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you have been requested in over 100 written communications, since XX/XX/2020, if a liability obligation reported on your credit report requires a signed document evidencing an enforceable auto lease agreement and to provide a copy of this written agreement? 

Your most recent CFPB XXXX communication undeniably represents compelling evidence of your willingness to participate in unusual and deceptive commercial practices.
Product: Debt collection

Last Year on   X/XX/2016  I  hired   XXXX   also known as  XXXX  to do marketing for me. In  XXXX , Florida  XXXX  They said I had to have a different website they could not do marketing on my website. They were going to refund my money. Then they informed me that they could build my website. On   X/XX/2016  I  paid them {$1000.00} with  XXXX  and   XXXX   XXXX  . They did not refund my {$230.00} they said they would build SEO into my website.
O n  X/XX/2016  the y finished the website. I paid the balance {$1000.00}. At first I looked at the website and I thought it looked good. Then I started working with the website and it was broken, they also told me I could change my website to any of the options of the Wordpress template. I could not. I could only have revolving photos that looked like video, and the thumbnail photos on the gallery pages if you click on them they would enlarge, however they would not go back to small you would have to click out of the website. I tried to change not and then they said I could not change it. When they made the website they talked to me all of the time and then after it was finished there was no customer service. They would not answer me. One person sold me the site another person  XXXX  made the site with me and then there was another person I was supposed to communicate with who never answered me. After trying for 2 months with incompetent customer service and a broken website. I said I am out of this website. The man I was talking to said he was sorry for all of the issues. I went bak to my old website. I then disputed all of the charges with   XXXX   XXXX   and  XXXX  ( they had  XXXX  ) So   XXXX    and   XXXX   XXXX   had to agree to refund my money. They refunded all of my money.
Last week I received letters from a collection agency : Advantage Recovery Grou p,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL.  XXXX  (  XXXX  )  XXXX . (   XXXX   )  XXXX    They said that it does not matter that my money was refunded from   XXXX   XXXX  , that means nothing and they will not call   XXXX   XXXX  . They said that is the same as calling the police. ( If something happens I call the police not in this instance ) .  XXXX   XXXX   the man at Advantage Recovery Group said my dispute is the same as not paying. They will tell the credit bureaus and it will be on my credit report if I do not pay for the scam website. {$2000.00}. For that amount of money I should have great customer service and a website that worked. They are sending me the contract that I signed, plus other communication with   XXXX   the website and the customer service should be good and it was horrible.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some unauthorized inquiries that cost me a denial for credit.
Product: Student loan

I received XXXX letters explaining the same thing ( a complete waste of resources ) that I was on an in-school deferment from XXXX and that is why that period is not being counted toward XXXX. This is interesting because I made XXXX attempts to get this answered by phone from Mohela and each rep I spoke to, including a supervisor at some point said that they did not make payment counts they pointed the finger at the XXXX XXXX  XXXX. Now when they are being investigated by the CFPB they suddenly have some answers. The only issue is they still did not completely answer my question. You would think in XXXX letters they would. There is still a period of time that is not being counted that they did not answer. XXXX is also not being counted. That is XXXX years and XXXX months that are unaccounted for, so what is the excuse there? 

Additionally, I called in XX/XX/2023, because it showed my first payment was due XX/XX/2023. I had applied for XXXX, and apparently, it had not been processed so Mohela put me on an administrative forbearance ( this was initiated by Mohela, not by me ), while my IDR application was being processed. While talking to the rep, he learned my application had been processed and I could make the payment beginning in XXXX. He said if I requested for the forbearance to be removed, this would be counted toward PSLF repayment. I requested by phone for this to be removed in addition to sending a message through the Mohela portal a XXXX of weeks later because like everything they do no action was taken when I made the request. I made the XXXX payment in XXXX, and now I see on my account that this was an ineligible payment because my loan is in forbearance. This seems fraudulent considering Mohela informed me to make a payment knowing it was not going to count toward anything because they put me in forbearance. It appears to be a tactic to collect funds and prolong payment, all while interest is being accrued. Didn't XXXX get their hand slapped for this? This has all been a complete mess and I know you just want me to give up, you continue to move the goalposts on us so that we will never win, but I will remain persistent. Please respond and this time maybe you could be more efficient in your correspondence and send XXXX letter explaining the same thing. Perhaps by making this adjustment you won't feel compelled to prolong payments and could save money on printing and postage.
Product: Debt collection

I keep getting false credit reports on my account from places I have never heard about they tell me I have debt that I do not owe from places I dont even live at. I keep having repeated credit reports on my account that fall off after a fake dispute then they come right back on my account months later with a different agency. Mind you they do not call me they do not leave any messages I get no mail. This is identity theft or someone with my name. I just want this taken care of. CBE agency group charging me for {$2300.00} for and account I opened 2 days ago. Which I never have opened anything.
Product: Credit reporting or other personal consumer reports

After numerous attempts to have these fraudulent names and addresses removed from my credit reports and request only name reporting as XXXX XXXX XXXX on my credit report as well as the only address reporting on my credit report as XXXX XXXX XXXX XXXX, XXXX NC XXXX The credit bureaus refuse to remove other fraudulent names and addresses from my credit reports
Product: Credit reporting or other personal consumer reports

Ive never lived at XXXX XXXX. They got their application fee paid. I told this collector several times and sent proof of my account from where they were paid. Everytime someone calls on their behalf they threaten my sanity.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I bought into the crypto coin Gyen on my Coinbase app. Gyen is considered a stable coin that basically does not move much, or it wasnt supposed to. I bought in at around .03 cents a share which gave me around 760,000 shares of Gyen. Later as I was watching the stock start to go down, I was going to sell seeing that something was wrong with this stable coin ( Gyen ). I noticed when I was about to sell my crypto coin that Coinbase had illegally ceased my account and froze my account. I could not sell my Gyen stock at all. I had to watch the coin totally collapse down to where it was supposed to be at .0087 cents a share of Gyen. My initial {$24000.00} was now {$6000.00}. I have been messaging Coinbase and trying to call them but nothing gets through. 

I went online and noticed a group on XXXX that was being formed called Coinbase-Gyen token concern/trading issues. There is now over 1800 people in this group that had the exact same thing happen to them that happened to me. 

I looked on my Coinbase account and found that there was a glitch that Coinbase did to all our accounts. All of our accounts had 100x the coins that we were supposed to have. So my Gyen account said XXXX Gyen coin. Which that amount in my account reflected {$660000.00} ( I have pictures and documentation ) at the very end when the Gyen account crashed back down to .0087. At the start when I bought in at .03, my Gyen account reflected {>= $1,000,000}. 

About 3 weeks later ( our accounts and funds were still frozen and could not take out my remaining {$6000.00} from my initial buy-in ) I logged into my account to see if Coinbase had refunded my account or if anything had changed. I noticed that Coinbase had fraudulently changed my Gyen coin shares to 761,000 shares of Gyen and my account was reflecting the {$6000.00} ( I have pictures and documentation ). Later I messaged Coinbase and got a generic message saying everything is back up with Gyen on Coinbase and you can resume trading and basically said that we ( Coinbase ) are not at fault for any losses that had occurred. 

So in summary, 1800 plus people bought into Gyen coin on Coinbase. Coinbase had a glitch that made all 1800 plus peoples accounts go 100x more then it should have, resulting in the influx in the stablecoin. The influx was made fraudulently by Coinbase. Then Coinbase froze all 1800 plus accounts who owned the Gyen coin, the Gyen coin then crashes down to .0087 where it was supposed to be before the glitch and influx in price created by Coinbase. Coinbase keeps our accounts frozen for 3 weeks so we couldnt use our funds at all. Then Coinbase fraudulently went into all our accounts and changed all the information from the glitch as if it didnt happen and told us its not there fault we lost our money and we will not be reimbursed at all for what had happened.

Please help us as no lawyers or law firm will help us since in Coinbases customer agreement says we cant do a class action against them ( Coinbase ) and I personally dont have 50k to hire a lawyer to help me get my money back.
Product: Debt collection

The offices of XXXX XXXX XXXX XXXX sold and unpaid balance to multiple collection agencies and I have to pay multiple times to protect or try to repair my credit, this resulting on lowering my credit score and limiting my abilities to obtain credit to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was transferred to shellpoint mortgage in XXXX while i was still in an approved state with wells fargo for a deferment. Shellpoint stated that it will take XXXX months to get this approved. All i want to do is get back on track with my mortgage. I cant even make a payment because they wont accept it. They keep telling me that there is a technical issue and that my deferement is approved but when will they finalize this? 

this is taking too long.
Product: Credit reporting or other personal consumer reports

Transunion, Experian and Equifax Credit Report : XXXX XXXX XXXXXXXX Account was charged off XX/XX/year>XXXX  but is still reporting late payments every month, including this month. Also is showing a balance owed after profit and loss write off. 

XXXX XXXX Account was charged off XX/XX/year>XXXX  and is still reporting late payments every month, including this month. Also is showing a balance owed after profit and loss write off. 

XXXX Account charged off XX/XX/year>XXXX  but is still reporting late payments every month, including this month. Also is showing a balance owed after profit and loss write off.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint to have three credit cards taking off my credit report, my identity has been used and my information has ended up on the dark web, I want these accounts deleted from my file before I file a ftc identity theft report, I found that these cards are on 3 credit bureaus I did not open these cards because they are fraud I want them removed from all three credit reports, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these companies used my information to open these accounts in my name please removed these accounts immediately, Im filing through the consumer financial protection bureau because XXXX and XXXX has rude customer service and Im tired of of being hung up on, please get this done for me and please no excuse
Product: Credit reporting or other personal consumer reports

XXXX XXXX The universal requisites, at a minimum, include adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the Metro 2 data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenge of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized Metro 2 format. 
CLEARLY, INACCURACIES CANT BE CERTIFIABLY COMPLIANT! 
XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  Type Detail : Reason : XXXX Account Type : Reason : MISSING INFO XXXX Credit Limit : Reason : XXXX Highest Credit/Original Loan Amount Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : Not accurate XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : MISSING INFO
Product: Checking or savings account

Cash app request my social security number to open an account but cant link any new accounts made with previous accounts.
Product: Checking or savings account

Today I am writing to see if you can help me with a bank that is completely ruining my finances and lieing and stealing money from me! On XX/XX/XXXX I ordered from XXXX the a total of XXXX, there was an issue with other I was refunded XXXX on XX/XX/XXXX and never appeared back to my account. I called XXXX thinking maybe an issue on there end and nope it was citizens bank, they gave me all the information I needed to verify with the bank. But instead of citizens helping me they kept taken XXXX out of my account everyday for overdraft, finally I filed a complaint, and the manager said I am so sorry we where having issues that week with refunds going into accounts, he told me my refund would be back in my account in a couple days along with overdraft fees totaling up to XXXX! A few days later I recieved a email from XXXX stating they have to charge me back because citizens demanded there money back and it was fraud!!!!!!!!!!!! It was not fraud it was my refund I then explained to XXXX and told me I had to contact bank where I have gotton now where but lies! My auto insureance was canceled due to them taken out overdrafts frees and not returning my refund! This is fraud on there part!