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

XX/XX/XXXX XXXX XXXX - Sold XXXX Bitcoin to CoinBase at a price of {$16000.00} per coin. {$1200.00} - {$18.00} ( fee ) means that {$1200.00} USD was supposed to be deposited into my linked bank account by XX/XX/XXXX. 

XX/XX/XXXX - Opened up support ticket and only received automated response confirming ticket had been made. 

XX/XX/XXXX - Direct messaged CoinBaseSupport on XXXX, explaining my situation and asking for an update on my funds, with no response. 

XX/XX/XXXX - Direct messaged CoinBase Admins on XXXX, who are all verified employees of CoinBase, with no response. 

XX/XX/XXXX - Complaint with CFPB filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT FILE THAT ARE NOT MINE
Product: Checking or savings account

I've had problems logging onto my TD Bank account because they do not send verification codes by text or calls. Once in a while they will call. Often it takes hours to log on. 
Another problem is when I try to link other Bank Accounts to my TD bank account. For the final step in this process they say I need to verify my email address ( which I have had for nearly 40 years } with a verification code. However they do not ever send a code. This in effect blocks me from linking a bank account with TD Bank. 
I was on the phone with reps and supervisors and they blamed everyone in the world including my cell phone carrier and XXXX for these problems. Today XX/XX/year> I was on the phone with them again for over one hour, but we could not get the problem solved. The rep said she was waiting for a response from a supervisor before she hung up, disconnected. 
Seems to me this is deliberate to prevent linking accounts to TD Bank. I was however able to link my XXXX account because this is done through XXXX.
Product: Student loan

I became a XXXX XXXX in XXXX. I was told by Navient 's predecessor organization Sallie Mae that due to my unique circumstances, having had a loan in forbearance ( due to a military XXXX XXXX and XXXX ) I would never be able to take advantage of the Public Service Student Loan forgiveness program. After Navient was created in XXXX, it continued to tell this lie to me and similar lies to others. 
I have been a XXXX XXXX  for over 8 years at this point and I can not start taking advantage of the program now and have it actually pay off before my loan is paid off through the normal course of events.
Product: Debt collection

The law office of XXXX XXXX XXXX, sent a letter that stated he could defend me, from having my car and other property taken by XXXX United Holding group ). XXXX. The letter had a XXXX code to scan.He said United Holding group, filed a lawsuit in the county courthouse, on XX/XX/2022. I am elderly and my daughter looked at the courthouse records and did not see a suit against me. She also looked on my credit reports and there is no record. I think this lawyer is a shakedown artist. And I want to report him. I think it is illegal debt collection.
Product: Debt collection

I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX XXXX account. I have even contact XXXX 's XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX 's XXXX account.
Product: Credit reporting or other personal consumer reports

By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete. 
looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks
Product: Debt collection

AN ACCOUNT UNKNOWN WAS OPENED XX/XX/2017 IN THE AMOUNT OF $XXXX
Product: Debt collection

The company was american first finance debt was for furniture which was pain in time and account was closed.I call the company and ask about the issue and company say the account is closed so i shouldnt be receiving any unpaid amount at all.XXXX my deb was {$890.00} was paid of XX/XX/2020 but on XX/XX/XXXX i check my credit i was a collection for {$1300.00} saying auto loan and that the original amount was for {$1900.00}
Product: Mortgage

Starting XX/XX/XXXX, my monthly mortgage payment was increased by {$410.00}. I contacted my current mortgage lender, Shellpoint Mortgage, to find out why my monthly payment amount increased and I was told that they added the lender paid home insurance premium on my account. I immediately sent the copy of my home insurance policy to Shellpoint Mortgage and confirmed with their customer representative they have received my insurance policy. However, they didnt remove/credit/waive the additional {$410.00} and require the master insurance policy for my condominium. Then, I provided our Homeowners Association and XXXX XXXX XXXX contact information to Shellpoint Mortgage so Shellpoint can request the copy directly from them. As of today, Shellpoint has not yet waived the additional monthly fee of {$410.00} and have charged 5 % penalty for the month of XXXX and XXXX because I refused to pay for the {$410.00}. The mortgage loan was initially from XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, then XXXX XXXX  sold the mortgage loan to Shellpoint during pandemic. The homeowner insurance was not required when I got the mortgage from XXXX XXXX in XXXX. Shellpoint added the requirement for requiring borrower to obtain additional homeowner insurance coverage. My annual homeowner insurance premium is less than {$500.00}. Shellpoint Mortgage charges the borrower ( me ) to pay for lender paid home insurance for {$410.00} monthly premium because they added this new requirement without the mortgagor agreement. I have clearly mentioned during the calls with the customer service representatives at Shellpoint that I refused to pay for the fees which I am not responsible for, not to mention I have my homeowner insurance coverage in place and have provided the policy to Shellpoint. Shellpoint Mortgage refused to waive/remove the {$410.00} lender paid home insurance premium and 5 % monthly penalty
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX, and Experian never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of XXXX, XXXX, and Experian reporting services.
Product: Credit card or prepaid card

Using my Citi Visa Card, on XXXX XXXX XXXX, I authorized a one-time charge of approx {$15.00}. Citi apparently went nuts and decided to help a shady vendor perpetuate a series of fraudulent charges to my account. I had been managing that account by mail only, using the card very infrequently. Every other card I have used in the past would gladly refund any bogus charge over the telephone so I tried calling them. Frustrated at the lack of cooperation by their representative, I went online. 
I found that they had changed the {$15.00} charge into four separate charges on a single date, XX/XX/XXXX, in the amounts of {$3.00}, {$1.00}, {$3.00} and {$1.00}. On XX/XX/XXXX, they charged me {$97.00} and {$99.00} and on XX/XX/XXXX another XX/XX/XXXX {$97.00}, {$99.00} despite assurances that all charges had been removed. I was told that " it could take up to 30 days for it to not appear on the web site ''. 
My account, previously balance should have been a bit over {$100.00} but was being billed at {$520.00}. I have screen grab images of three separate reps assuring me that all charges had been removed, XX/XX/XXXX and XX/XX/XXXX. Today my bill stands at {$650.00}. Can the CFPB assist me?
Product: Credit reporting

XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports since XXXX 2015, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( 15 USC 1692 ), especially section 807 ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States.
Product: Checking or savings account

I opened a TD Beyond Checking Account under a {$300.00} bonus promotion on XX/XX/XXXX. The terms state that if I make {$2500.00} direct deposit within 60 days of opening, I would receive {$300.00} within 140 days. However, this amount has not been paid out. 

I called TD Bank to inquire. They told me I'm no longer eligible due to having received a bonus on a prior, closed account. However, the terms of the bonus states that it's not eligible to customers who " do not have an existing or prior personal checking account at TD Bank within the preceding 12 months. '' My previous account was closed in XXXX, XXXX, more than 12 months since I opened this account. Therefore, I satisfy the terms of the bonus.
Product: Student loan

American Education Service sent me a collection email 3 days before my account is due. Please advise.XXXX XXXX XXXX. 
Here 's the text of the email : This message has been sent to you based upon your existing relationship with American Education Services ( AES ). If you are not the intended recipient or received this e-mail in error, please contact AES by calling XXXX, and then delete this e-mail from your system. 

This message is being sent to inform you that a student loan, serviced by AES, for which you are the cosigner recently became delinquent. 

If payment has already been made, please disregard this notice. 

Please be aware you are equally responsible for this debt and the situation must be resolved immediately to avoid negative credit reporting for both you and the primary borrower. 

To protect your credit rating and avoid collection calls it is important you resolve this situation today. You may do so immediately by clicking the link below to make your payment : XXXX/signinAmerican Education Services Payment Center XXXX, PA XXXXXXXXPlease do not reply to this e-mail as this e-mail account is not monitored. 

You 've received this e-mail because you previously provided AES with your e-mail contact information. If you want to be excluded from future e-mail messages, please unsubscribe here.
Product: Mortgage

PNCs appraiser used comps not comparable and gave my house three bedrooms, but my house is being taxed by DC as a four bedrooms. PNC referred me to a person who called once at XXXXXXXX XXXX on a Monday morning and has not picked up a single call since and will not return my messages. My concern is that by undervaluing my home, Im paying more PMI, and that might not even be necessary at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XXXX I disputed accounts and nothing changed. 
XXXX disputes came back late passed the 30 day mark and verified. I then requested to know how they verified and with who. I never got anything from the credit bureaus. Account s disputed are XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  motor
Product: Debt collection

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

Never received anything from this company and they put a collection on my credit report. XX/XX/2024. I sent a letter to the company and it was returned as returned to sender. I don't know anything about the collection.
Product: Debt collection

Repeated " Robo-calls '' with no information other than asking for you to call their XXXX number to collect a debt. They call 1-2 times a day. Caller ID says " Focus RCV MGMT '' Online Search calls the company " Focus Receivables Management '' and this is a common issue.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized or fraudulent inquiries on my XXXX and Transunion credit reports. These inquiries consisted of the following : XXXX XXXX - XX/XX/2024 XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/202XXXX XXXX
Product: Debt collection

Billed by medical provider XX/XX/XXXX & XX/XX/XXXX. Paid and cleared XX/XX/XXXX. 
received collection letter XXXX XXXX, Responded to letter XXXX XXXX, with request for validation, advisement that the debt is not my responsibility, previously paid and provided a copy of cancelled check. and requested they stop all communications. 

XXXX and XXXX collections continues to call XX/XX/XXXX & XX/XX/XXXX.
Product: Mortgage

I have a mortgage with US Bank that has insurance escrow attached. The bank erroneously estimated that insurance would be higher next year and overcharged my autopay. I spoke with the insurance company in late XXXX or early XXXX and sent to US Bank paperwork indicating what the actual rate should be. US Bank said that my payment would be adjusted for the next bill. They did not adjust it for the next bill and overcharged my account again. I am on a fixed income, and had adjusted my spending to accommodate only the lower amount they said they would charge me, which created a large financial hardship when they overcharged the account again. I was required to put my auto insurance and food for this month on a credit card which will bear interest as a result of this error which they said they had fixed, but was actually not fixed. I have also suffered from extreme stress as a result of this situation and attempting to get it to a reasonable resolution. 

I then contacted them again, and they claimed again to fix the problem and said they were sending me a check for the overage on the escrow account. My next bill reflected that they had made the appropriate changes. However, they refused to send an updated escrow analysis to me or me attorney so we could review their work and make sure the problem was handled correctly.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX  This letter serves as a formal complaint regarding acct # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card on an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full. It was not settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the XXXX XXXX breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Calls about twice a week. Does not leave message on my phone. Havent gotten any mail about what it is.
Product: Debt collection

This is a complaint against LVNV FUNDING LLC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX  that should not be reported.
Product: Debt collection

One day a new collection item showed up on my credit report. It showed up XX/XX/XXXX just 3 days after the new law went into effect XX/XX/XXXX. 

I contacted Ability recovery services, told them I never received any letter, the woman I spoke with hung up on me. I called about 3 times, was told I would receive a letter in the mail, and never received the letter in the mail which would have given me the option to dispute it. 

The medical bill is from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.
Product: Credit card or prepaid card

I paid my card off on XX/XX/2022 in the amount of {$780.00}. Comenity added interest after my card was paid in full. I assumed that the card was paid off and never looked online at the account. They have added late fees and additional interest since XXXX. They just contacted us recently about the balance. Now they are saying there is a balance of {$270.00} on the card and they have been reporting it as late to the credit bureaus. 
XX/XX/2022 Interest Charge on Purchases {$5.00} XX/XX/2022 LATE FEE {$41.00} XX/XX/2022 Interest Charge on Purchases {$4.00} XX/XX/2022 LATE FEE {$41.00} XX/XX/2022 Interest Charge on Purchases {$3.00} XX/XX/2022 LATE FEE {$41.00} XX/XX/2022 Interest Charge on Purchases {$2.00} XX/XX/2022 LATE FEE {$41.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$40.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$27.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$12.00} XX/XX/2022 FINANCE CHARGE {$11.00} XX/XX/2022 FINANCE CHARGE {$1.00} XX/XX/2022 PAYMENT - THANK YOU {$780.00} XX/XX/2022 FINANCE CHARGE {$14.00}