23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022, at XXXX XXXX  my Coinbase Card was charged {$250.00} for a purchase that I didn't make. 

The purchase was still pending so I called Coinbase 's card customer service and their agent told me that they can't do anything to flag or resolve this issue until the fraudulent charge was completed & is no longer pending. 

Once the fraudulent purchase was completed I called customer service again & they initiated an investigation. They emailed me back that same day saying the following : " Thank you for contacting Coinbase Support. We understand that you want to dispute your Coinbase card transaction. 

Please be informed that we've completed our investigation of your dispute for the transaction of {$250.00} USD. 

Unfortunately, the chargeback was rejected by the network for the following reason XXXX Dispute is invalid under Dispute XXXX XXXX for a XXXX XXXX transaction. XXXX Case Number XXXX. 

As a result, we will be closing your claim. ". 

I called customer service again & their agent told me that there was nothing they could do as they aren't the team responsible for the claim 's investigation. 
When I asked to speak with a manager the agent told me the manager was busy & can not talk on the phone. I asked when he will not be busy & they responded by saying that they don't know when the manager will be able to talk. 

I asked the agent for the contact details of the team who investigated my claim & the agent said they don't have a phone number. The agent told me to respond to the email for my XXXX XXXX XXXX XXXX. 

I responded to that email asking if I will get my money back & if I can talk to somebody directly about how my money was stolen off of their financial platform. They responded with the following email : " Thank you for your response. We appreciate your time and effort for bringing this back to our attention. 

Please be advised that our team completed the investigation into your dispute transaction and it was rejected by the network. Due to security purposes, we can't provide specific details and elaborate more information on our account reviews. 

Additionally, for the security of your account, Coinbase Support does not make outbound calls to customers. To speak to one of our phone agents, please visit our contact page here : XXXX  : XXXX ''. 

Coinbase Card has offered me no fraud protection & no means of reimbursement for the money that was stolen from me through their platform. Any means of communicating with their team is met with zero support & lacks any information that explains their lack of action. They are being irresponsible with their customer 's money & making us customers pay for their incompetence as a financial service. I'm outraged by their absolute lack of security, customer support & zero communication. 

Please help me get my money back, This type of irresponsible business practice with people 's money is unacceptable. 

I recorded the phone conversation with their customer support agent- please let me know if you need anything else or have any questions.
Product: Checking or savings account

I order an item online through XXXX and the sender was supposed to send it to me. He sent it to the wrong address and I never got the item to me. I had already paid and he deleted his website so I can not contact him and he never resent the item and it has been a entire month. I disputed the charge with my bank and my claim was denied. I even have prof that I never received the item and they will not refund me my money. XX/XX/XXXX cant give me information on the package except for it was not delivered to me. I paid XXXX dollars and they refused to credit it back to my account
Product: Credit card or prepaid card

I 've had this card for quite some time and until recently hide always received an email notification telling me that my bill was due I could login to my account online and pay my bill and have always paid my bill on time I have perfect credit there is not a late payment anywhere on my credit report abou t two m onths ago for some reason I never received a notification from this Bank I checked my spam folder I thought maybe for some reason they had mailed a bill but they claim they did n't mail anything to me there was no notification at all and they charged me a late fee I told them I received every other email that I 'm supposed to receive this is the o nly one and as k them to check into it now 2 months later this is happened again they 're not sending me notifications and then they 're turning around and charging late fees it 's not my fault they did n't have their it Department fix this 2 months ago whenever I told them about it and now they 're trying to take advantage of their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have been having problems disputing my credit report with LoanCare , LLC for over 8 months now. Every time you call they will only tell you that the dispute is being analyzed and that you have to wait for a response by mail. If you try to escalate the issue. They tell you it's another dept and that that dept doesn't have phones. If you ask to talk to a supervisor they send you to a line that has no hold music and is just dead noise. After 6 hours the line will hang up automatically. Nobody ever answers. I have been sent over to the line at least 3 times with the same result.
Product: Consumer Loan

This debt continues to show on my credit report. It is over XXXX years old. I contacted Gateway 1 ( Gateway one ) to explain the debt issue in XX/XX/XXXX, which is I signed for a vehicle for a family which after three months decided not to pay I gave them all of their information Social security numbers addresses and phone numbers.. Prior to that I contacted Gateway to find out what I should do, and was advised to turn the car into the nearest XXXX Dealership which I did in XX/XX/XXXX. The debt continues to show on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Transunion that the account reported ( XXXX XXXX  ) is NOT MINE! I never applied for this card. Yet it is on my credit report under my name, social, address, etc. I have no knowledge of this card at all. 

I had lost my wallet and someone returned it to my home. Nothing was missing as I didn't have anything to take in it. I don't keep a lot of cash on hand and I don't carry everything with me. This is the reason why. 

There is no credit card number listed on my report, no terms or term duration. It was opened in XX/XX/XXXX and date of 1st delinquency is XX/XX/XXXX and Delinquency was 1st reported XX/XX/XXXX. This account is on all 3 credit reporting agencies. 

I have had lots of issues come up and checking my credit reports was the last thing on my mind. 

Please look into this. Transunion says it is verified as mine, yet I did not apply for it.
Product: Credit card or prepaid card

I was approved for the Care Credit card as I began my process of finding a XXXX. I received notice that I must make a purchase before XX/XX/XXXX and have emails stating this date or they will close the account. The account was closed XXXX days prior to that date when I had a XXXX XXXX  for the next week that fell before the XX/XX/XXXX date noted in their communications. It was misleading and harmful.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an account reported by XXXX XXXX XXXX  that does not belong to me. This account is inaccurately listed on my credit reports with XXXX, Equifax, and XXXX. 

Detailed Description of the Issue : Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Information : The account is reported as 60 days past due as of XX/XX/year> and 30 days past due as of XXXX and XX/XX/year>, with a balance of {$710.00}. 
Reason for Dispute : This account does not belong to me. The reported status and balance are incorrect. I have attached supporting documentation to verify that this account is not mine, including identity theft reports and police reports. 

Steps Taken to Resolve the Dispute : Dispute Letters Sent : On XX/XX/year>, I sent a dispute letter to XXXX, Equifax, and XXXX requesting the removal of this account from my credit reports under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable investigation of disputed information. ( See attached documentation ) Responses Received : Despite providing evidence that the account does not belong to me, the credit bureaus did not remove the inaccurate information as required by 15 U.S.C. 1681i. 
Actions Taken by the Company : XXXX XXXX XXXX  has continued to report this account inaccurately, despite receiving proof that the account is not mine. 
The credit reporting agencies ( XXXX, Equifax, and XXXX ) have failed to verify and correct the erroneous information after multiple disputes, in violation of their obligations under 15 U.S.C. 1681i.

Impact and Request for Resolution : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have a delinquent account, which is not the case.

Request for Resolution : I request that the CFPB assist in : Verifying that the account does not belong to me with XXXX XXXX XXXX  and the credit reporting agencies as required by 15 U.S.C. 1681i. 
Removing the account from my credit reports with XXXX, Equifax, and XXXX as mandated by 15 U.S.C. 1681i if it can not be verified. 
Ensuring that XXXX XXXX XXXX  ceases reporting this incorrect information to any credit reporting agencies under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which allows consumers to request that debt collectors stop communication regarding disputed debts.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, CO XXXX Customer Care Number : XXXX XXXX filed a 1099-C on a second mortgage that was legally prohibited at time of short sell in XXXX. 
When this sale occurred we fell under the Mortgage Forgiveness Debt Relief Act of 2007 which has been extended through XXXX. This was our primary residence and we had lived in the home over 2 years. At the time of sell the second mortgage was held by Real Time Resolutions. Once the home sold we did not get a discharge of debt as the debt collector ( At the time Real Time Resolutions ) was prohibited under the Mortgage Forgiveness Debt Relief Act. ( XXXX XXXX XXXX  ) In XXXX of XXXX we received notice of sale of the debt to XXXX and they wanted to establish repayment. We sent a validation letter and explained that this was over 10 years ago and at the time of sale the Mortgage Forgiveness Debt Relief Act was in effect. The next thing we heard back was this 1099-C that we received in XX/XX/XXXX. XXXX states that they discharged XX/XX/XXXX. We are seeking to have the 1099-C withdrawn from the IRS filing . We are also filing a 3949-A with the IRS regarding XXXX fraudulent deduction and requesting IRS take legal action to the extent of the law. We are attaching the Warranty Deed on the sale of the home and the fraudulent 1099-C.
Product: Credit reporting 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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX ) 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX  acct # XXXX XXXX XXXX. section 602 A. States I have the right to privacy.

15 U.S.C. section 604 A. Section 2. It also states a consumer reporting agency can not furnish 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 advise 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 ( i ). A person shall not furnish information relating to any consumer if- the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate.
Product: Student loan

XXXX. I was steered into forbearance when I could not make my student loan payments in 2014. I was enrolled in an income based repayment plan. The number was too high given my expenses and I was told that my only option was forbearance. I believe that I was still charged interest. 

XXXX. I had issues with the yearly income recertification. There were times that I missed the deadline to recertify. The emails did not include deadlines, or there were no email reminders that I saw, or there was inadequate information in the emails. When I did recertify after realizing that my loan payments jumped up, I often lost months because it took the servicers a long time to approve the recertification.
Product: Student loan

I am having issues with FedLoan servicing because someone is inaccurately reporting my student record to the Department of Education. 

XXXX and XXXX are reporting my status as graduated as of XX/XX/XXXX, going back to XX/XX/XXXX, XXXX XXXX XXXX is reporting my status for XXXX College as not found because I only enrolled at XXXX and never XXXX as of XX/XX/XXXX, the Department of Education NSLDS system is reporting my enrollment status as half-time as of XX/XX/XXXX, and FedLoan Servicing is reporting my enrollment status as currently enrolled full-time as of XX/XX/XXXX. I graduated from XXXX in XX/XX/XXXX and have not enrolled at any institution since. 

XXXX, FedLoan Servicing, and the XXXX XXXX XXXX are saying this is an issue with the Department of Education. The Department of Education is saying this is an issue with XXXX and also stated that FedLoan Servicing is required to accept documentation from MIIS or XXXX to correct my student status. FedLoan servicing informed me that they can only correct my enrollment status using information from the Department of Education directly. 

Instead of being provided with a solution, FedLoan Servicing provided the suggestion of filing a School Related Deferment Waiver Form ( Form SDWFR-XBCR ). I am concerned about filing the waiver because you are only allowed to ever do this once in your entire lifetime and it has potential financial and legal ramifications. I do not feel like this is an appropriate workaround for my situation when rather the responsibility should be for the entity holding incorrect enrollment data to correct it. While I may wish to file Form SDWFR-XBCR at some point in the future, I do not feel I should be forced to file it now as a remedy to my situation. 

I spoke with agents XXXX, XXXX, and XXXX at FedLoan Servicing during multiple calls on the evening of XX/XX/XXXX. I spoke with XXXX and XXXX at the National Student Aid Information Center on multiple calls on the evening of XX/XX/XXXX. At the XXXX XXXX XXXX, I spoke with XXXX in enrollment verifications, XXXX in deferments, and their manager XXXX at approx. XXXX EDT on XX/XX/XXXX. A response from XXXX via email is also attached to this complaint. 

I do not find the current remedies to be acceptable and feel I am being punished because someone else messed up data on me that I am unable to fix. Please help me fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this items ( 1 ). ( A ). 

XXXX XXXX XX/XX/2020 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed a collection that is not valid and is duplicated on my credit report on XX/XX/2019, the collection is listed as XXXX XXXX and for {$310.00} on both listings. Transunion sent back verified as accurate but did not give me proof of these account reporting as accurate. No files were sent showing that this collection belongs to me.
Product: Debt collection

Beginning of XXXX I was informed by a family member that collections were calling asking for me. Upon calling the agency myself on or around XX/XX/XXXX, I asked for an itemized receipt. Calls continued for over 2 months where I asked for an itemized receipt. On XX/XX/XXXX I received an itemized receipt saying I was owed a XXXX dollar refund from my previous apartment complex and that I owed XXXX to them. I called to confirm with the agency and they kept telling me they couldnt talk to me because my account was in dispute. Collections are claiming I owe XXXX dollars but I have not received a single document with that amount. I have asked over 10 times for this itemized receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX # XXXX I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017  I traded my car which was financed through westlak e Financial  services and paid off by  XXXX   XXXX   XXXX . The salesman contacted  Westlake  to retrieve the payoff letter. After doing so the trade took place and I left the dealership.  XXXX   XXXX   XXXX  2017 I checked my credit report and noticed that Westlake reported that my account was still open and was delinquent. I still have proof of the payoff letters and copies of the pay off from the dealership. I asked them to remove the negative/ inaccurate reporting, However they refused an d one of the  reps stated that my credit would constantly take a hit if I refused to pay more than the payoff stated was owed.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by XXXX, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing XXXXXXXX XXXX. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in XXXX, a institution which is regulated.
Product: Credit reporting or other personal consumer reports

When recently checking my credit report, I noticed a hard inquiry by US BANK on my account. I have not authorized a hard inquiry nor have sought services recently by US BANK. The hard inquiry was posted in XX/XX/scrub>XXXX XXXX  
US BANK sent me a letter in the mail stating that they were not able to open an account because my identity was not authorized. I'm glad an account was not able to be opened, but I would like it to also be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that I do know owe. This debt has been paid a long time ago, and I'm not sure why it's even in collection status. this is erroneous! This needs to be deleted.
Product: Credit card or prepaid card

On XX/XX/2023, I took my dog to see XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX 

I was not happy with the services provided and several days later contested the charges of {$180.00}. 

The vendor/merchant XXXX XXXX agreed with me and agreed to waive these charges entirely ( COPY OF EMAIL BELOW ). 

I submitted this proof to PNC XXXX XXXX XXXX XXXX, XXXX, Pa XXXX PNC BANK refuses to return the funds the vendor agreed to waive. This is clear violation of their terms of agreement regarding investigating disputed charges. 

HERE IS A COPY OF THE EMAIL WAIVING ALL CHARGES : XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX  Dear XXXX XXXX, I hope XXXX is doing well with no changes due to his XXXX and that the XXXX  like growth on the shoulder has healed. 

I am upset by your letter and invite you for a conversation. I will waive your bill as a gesture of good will. I have worked with four other veterinarians that have also used this first generation Cephalosporin topical on dogs, cats and horses, all as an extra label use. 

There has not been any contraindications with XXXX and or geriatric animals anywhere in my literature search or noted by the XXXX XXXX veterinarians I reached out to for this important information. 

This was chosen for ease of use and compliance of treatment. 

I realize your disappointment with your experience and again invite you for a conversation. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX | ( XXXX ) XXXX | XXXX XXXX