23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I currently have a credit card with Capital One- over the course of years I have earned {$1000.00} in reward cash. I used my reward cash today XXXX toward purchases from last month. The reward cash was gone from my balance however it was not reflected in my balance owing. I called Capital One to inquire about when the reward cash would be reflected in my balance owing and spoke to XXXX. XXXX said it would be applied anywhere between 2-3 business days up to 60 days or 2 statement cycles. I was advised to pay the full statement balance to avoid any interest being charged. I asked why my rewards were removed from my credit balance if it took that long to update on my actual balance owed. I was repeatedly advised that the rewards are not to be used towards the balance owing, I asked to speak to a supervisor. I was transferred to XXXX employee number XXXX - I again repeated my question - My balance is {$1800.00}, I redeemed {$1000.00} in rewards and wanted to know when it would be credited towards my overall balance - she told me what my current balance is ( which is irrelevant as I pay my card off every month ) and that the {$1000.00} would be credited between 2-3 business days up to 60 days or 2 statement cycles and that if I didn't pay {$1800.00} I would be charged interest. My question is how can they charge me interest if the balance has been completely paid off via the cash back and my personal funds? Both representatives were only concerned with my overall balance and not addressing my immediate question. How can I be charged interest on a balance that is paid through the cash back rewards program once redeemed? Capital One is taking advantage of consumers and charging them a fee for using a program they put in place. 
Credit card ends in XXXX Call to Capital one took place on XXXX XXXX eastern standard time.
Product: Vehicle loan or lease

I did sent the paid off amount {$14000.00} XX/XX/2022 Casher Check XXXX  Overnight The check was received XX/XX/2022 and cashed the same day. I did called several times and asked where is my title, they never provide the information, After several conversation with customer support, they told the check was cleared XX/XX/2022 with totaly different amout {$13000.00} it was {$300.00} less than was paid. 
I had a several conversation with all different managers but never had explanation, when I can receive my title, According to lease agreement and paid off the NJ XXXX {$850.00} and purchase option fees {$300.00} was included but they ask me to pay more and I paid extra {$200.00} so far is amount {$14000.00} but they still want more and more funds. 
It is already 30 days since the payment was made but title never been send. 
If you need more information please let me know.
Product: Debt collection

I lost my wallet a couple times with my information in there Driver license Social Security and credit card someone use my information and going to the XXXX XXXX XXXX XXXX XXXX now my name is in collection for {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the public record items on my consumer credit profile with the CRAs - XXXX, Equifax, and XXXX. Each time, the said CRAs responded with the disputed items were CONFIRMED & VALIDATED by the ORIGINAL CREDITOR and or FURNISHER and items were said to belong to me. However, I contacted the US Bankruptcy Court XXXX XXXX XXXX Georgia via AFFIDAVIT of TRUTH to confirm the same. The Clerk of Courts responded on XX/XX/2022 via written letter and stated the US Bankruptcy Court DOES NOT furnish or validate public records items with any of the CRAs. The letter went on to say that the CRAs pull data from the PACER system. The problem is that PACER DOES NOT PROVIDE complete personal identifiers, such as complete social security numbers, in its database to provide 100 % absolute onus and accurateness. The public record information pulled from PACER is not Metro-2 compliant and does contain the REQUIRED complete identifiers required FCRA stated guidelines. The public record items on my consumer report does not comply with FCRA section 611 ( 15 USC sec 1681I ) and the subject CRAs are in direct violation of the FCRA law. I want the public record items deleted immediately.
Product: Money transfer, virtual currency, or money service

The complaint is about www.coinbase.com. I am XXXX XXXX citizen. In the XXXX they are registered as : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX They are a platform which supposedly allows the purchase of virtual currency against XXXX or USD. Their process is such that an amount is sent to them via Credit card or bank transfer ( XXXX in XXXX ), then you see the money in your account and can buy virtual currency if you want to. 

On XX/XX/XXXX I made a XXXX bank transfer of XXXX XXXX to the XXXX XXXX and XXXX given to me by XXXX. Two business days later the amount was still not visible in my coinbase account, so I submitted a request to their support team. Later that day I got a vague email ( an automated response ) that they are working on my case and others. No further response ( its been now 11 business days since the transfer was made ). I have send multiple responses to this email, and there is virtually no response from them ( I feel that 8 business days is more than reasonable )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX  XXXX Balance : {$470.00} Medical XXXX Balance : {$74.00} XXXX XXXX Balance : {$150.00} Medical XXXX Balance : {$190.00} XXXX XXXX Balance : {$85.00} XXXX XXXX Balance : {$85.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$9.00} XXXX XXXX Balance XXXX {$5900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX to compensate for XXXX, XXXX XXXX, XXXX data breach XXXX XXXXXXXX XXXX redacted Re-attempt registering Had to call customer service after my acct was deactivated Username variously used as : XXXX  XXXX Then directed to call a number XXXX but when called that required activation code, so then directed to XXXX then obtained the activation code : redacted Then entered above code and prompted for ssn, name, zip code, address, etc and after enteringx2 was unsuccessful with the following screen at end of yellow brick road : How many homeowners were impacted in the incident? 

Based on our investigation to date, roughly XXXX XXXX homeowners, representing former and current customers and co-borrowers, had personal information contained in the files that were affected by this incident. 

Never XXXX  letter for most recent incident or XXXX from XXXX How will I be notified if my data was impacted? 

You will receive a letter with details about any data of yours that was involved, along with resources you can use to protect your personal information, such as free TransUnion identity protection and credit monitoring services. In the meantime, if you have questions about this incident or identity protection services, call the XXXX XXXX XXXX XXXX Response Line, supported by TransUnion at XXXX. 

Why did it take so long to determine if my information was impacted? 

Investigations like this take time. We initiated response protocols immediately, which included a detailed review to determine exactly which data had been compromised. These reviews can be time consuming in order to ensure they are completely accurate and thorough. We appreciate your patience during this process. 

Have more questions? 
Call the XXXX XXXX XXXX XXXX Response Line, supported by TransUnion. Monday through Friday XXXX XXXX XXXX XXXX XXXX XXXX This is an example of a company that is not deserving of the responsibility for handling private personal and confidential information of consumers and then the actions they have taken AFTER the 2nd data breach in 2 years. I never even received notice of the data breach. My account was deactivated and there were time consuming hours spent navigating all the recovery methods and trying to get credit monitoring services -- -none of the systems which appear to facilitate this process actually work and all the myriad support lines are of no assistance. it appears they have no place in the real market place and have absolutely no respect for consumers
Product: Money transfer, virtual currency, or money service

In PayPal, you can get a " Balance Account '', which is let 's you store currency directly in PayPal. The terms and conditions can be found at this link : XXXX : XXXX? XXXX In the terms and conditions, the " Closing Your Balance Account '' section clearly states " You can close your Balance Account without closing your personal account ... ''. I have tried multiple times to contact PayPal support to do just that, but no representative can find an option in their system to do this. Since customer support is unable to do this, it my hope that I can get my request fulfilled with this complaint.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX, VA XXXX Toll-Free : XXXX Subject : Second Request for Debt Validation FDCPA Violations Warning To Whom It May Concern, This letter serves as my second formal request for debt validation regarding the alleged account referenced in my original letter dated XX/XX/XXXX. Your response was incomplete and failed to provide all necessary documentation required for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Specifically, the following essential documents were missing from your response : 1. The original purchase agreement or contract bearing my signature This is necessary under FDCPA as a debt collector must provide evidence that I, in fact, agreed to the terms of this alleged debt. Without this, the validity of the claim remains unverified.

2. The original credit amount Under 15 U.S.C. 1692g ( a ) ( 1 ), the amount of the debt must be clearly communicated, including its original principal balance. 
3. The original date the account was opened FDCPA regulations require that accurate and complete account details be disclosed to verify the legitimacy of the debt.

4. A copy of the IRS Form 1099-C If this account was charged off, you are legally required under IRS regulations to issue a 1099-C Cancellation of Debt form. I request a copy showing my name and the mailing address to which it was sent.

Under 15 U.S.C. 1692g ( b ), until full validation is provided, you must cease all collection activity, including reporting this debt to credit bureaus. If I do not receive these requested documents in full, I will not hesitate to escalate my complaint by filing grievances with the Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and any other applicable consumer protection agencies. Furthermore, I may exercise my right to pursue legal action against any violations of the FDCPA. 

I expect your full compliance and a complete response within the legally required timeframe. Failure to do so may result in further action on my part. 

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

My name is XXXX XXXX and I have a collection on all XXXX credit bureaus. The debt has been paid in full and the company will not delete it off my report. This is unfair and something needs to be done.
Product: Checking or savings account

My account was on hold for security reasons and i have verified my identity Now they are telling me no money is in my account Also their is no customer service number
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) credit report and i noticed some late payments posted to my credit report : Bank of America, account # XXXX Your company is in clear violation of the law. Under 15 usc 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except As provided in paragraph ( 3 ), the term " Consumer Report " does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing Information solely as the transaction or experiences between the consumer and the person making the report.

** Delete the above late payments from my consumer report, this company is in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above referenced account and send out a free copy of my report after changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent and Enablement of identity fraud 3. Fair debt collection practices act 15 USC 1692G violations 4. Fear credit reporting act 15 USC 1681 violations for willing compliance 616 civil liability for willful and noncompliance ( 15 USC 1681n )
Product: Credit card or prepaid card

I have a Capitol One QuickSilver Credit Card where I make a XXXX $ minimum payment. I lost my mother in late XXXX to XXXX XXXX. After she passed I went through so much financial hardship and was late on a few payments with a few companies ( including this one ) the year of XXXX. In this specific case I was late on XX/XX/XXXX. I tried to set up a new payment plan to get me back on track, but the servicer wont negotiate.
Product: Credit card or prepaid card

Ok so one XXXX XXXX I found out that my Reliacard account for my Pennsylvania unemployment was deactivated. I have been told lies and misleading information time after time not to mention being treated like garbage when calling customer service. I still as of today XXXX XXXX can not access my unemployment money and have been told there is nothing I can do at all I have to just sit and wait for the documents to be reviewed and the account to be reactivated. Problem is they don't notify you if the account is deactivated and the website, mobile app and automated system all say that my balance is available for use and has not changed this entire time. The department responsible for reviewing my documents and reactivating my account have no way to contact them directly and the customer service department has no authority to activate the account. I was told several times that once the documents were excepted it would be 24-48 hrs to reactivate the account and after sending countless fax of the documents I was told would be excepted I found out that what I was told about the expired drivers license was not true and had to go get a replacement so I uploaded everything once again for the 100th time and on XX/XX/XXXX they excepted the documents and now XXXX XXXX and they are still reviewing them. Now the people in customer service are telling me that the time frame to activate is not 24-48 hrs like I was told before by several different representatives but in fact it could take up to 15 days. This account is the only income I have and all the money I have to my name.
Product: Debt collection

National Credit Adjusters - XXXX - has been reporting on and off on my credit report for 2 years for an account that is not mine. I have requested proof of this debt or any signed agreement to prove that it was mine and they can not produce it. The original creditor said that it was opened up on the east coast and I obviously do not live on the East coast. 

It is this companies responsibility to validate and account NOT me to validate that it isn't mine! It has been removed before and put back on and it is NOT MINE ...

I demand they prove to me that it is mine or they need to delete it from my credit report.

This is a clear violation of the FCRA and the FDCPA I have been referred to an attorney that I have given all the documentation regarding this account and I am prepared to take legal action against National Credit Adjusters and the original creditor because this has affected my financing on 2 occasions. 
I have been building my case for 2 years against them with their responses and the bureaus responses as well. 
The next correspondence will be from my attorney and the attorney general in their state of operation. 
I will fight this at whatever cost and I promise you I will win because this is NOT my account. 
Kindly Govern yourself accordingly
Product: Student loan

Navient consistenly applied my payments in the least efficient manner, leaving many of my loans past due in effect ruining my credit. as well as harrassing my cosigner about the loans has resulted in my own father not wanted to contact me in regret of co-signing. I 've asked and asked for debt relief and refinancing options to no avail. With credit ruined, and no hope for ever becoming debt free, it has me feeling like college and bettering myself has become the biggest regret in my life.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handing of my dispute on my account particularly I light of the recent CFPB lawsuit highlighting significant issues with this company. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible to track and these transactions were unfeasible. The XXXX findings indicated that Zelle has not only been neglecting to protect consumers but has been allowing repeat offenders to exploit the system leaving user vulnerable to scams.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX account # 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: Checking or savings account

On XX/XX/2021, i received three emails from TD Bank regarding the opening of a new checking account. I did not open a TD Bank Checking account.

I then called the customer service number after confirming online the number from the emails matched the actual customer service number. Took forever to navigate because there are no options for those who are victims of fraud. Eventually after jumping through many hoops i was able to get transferred to a representative. The wait time was 15 minutes, which was fine considering fraud was involved. I spoke to a nice young lady who was empathetic to my plight. Sadly, she could do nothing and had to transfer me to the " fraud department ''. She politely informed me that the wait time was 40 minutes. I said that it was fine 40 minutes was not the best number but I was concerned about fraud.

2 hours later, with my total wait time over 3 hrs i finally was connected to the fraud department. They filed an id theft report, told me they would investigate but gave zero time frames. They protect the fraudsters by not giving me what address they used or phone number. 

I want this account closed. I'm not surprised the fraudsters chose TD Bank with all the gaps in there processes. I was told the freeze my reports but how does that stop someone from opening another checking account? The answer : it doesn't. There are no protections for consumers in this line of business. 

As the true consumer, who can prove there identity, its left out of my hands. I can prove who i am, close the account as i requested. There are so many things wrong with the TD Bank process : 1. No indication to consumers how long they will wait on hold. Just endless loops of music with stops that give the consumer hope someone might be connecting.

2. They let fraudsters set up accounts with zero verification. Drivers license? SS Card? none required by my observations 3. Front line customer service reps should be able to shut down accounts and provide the information that i gave to the " fraud department ''. Nothing i gave the fraud department a front line rep couldn't get or take care of. 15 minutes vs 3 hrs. Unnecessary.

4. The consumer is at the will of the bank. Will the account be closed? Why can't i provide proof of who i am? All the pain and suffering i must go through waiting and waiting for an answer. Close the account if i can prove who i am. Can't be that hard if i have to wait 3 hrs to talk to someone. Give me some time back that i gave you?

Again close this account. Now. Not 15 days from now. If it takes more than 24 hrs, i will seek out what legal action i have available to me, at minimum i will sue locally for XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to resolve this matter. 

ACCOUNTS : ( XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the prompt removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the inquiries listed below due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these inquiries be immediately removed from my credit report to protect my personal and financial information. 
Inquiries : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX