23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Within the past 2 months, I have tried to resolve this issue multiple times with Navy Federal and no one helps me. I called Navy Federal around XX/XX/XXXX after receiving a letter that I will be reaching my loan maturity date on XX/XX/XXXX and that my payment would be {$210.00} instead of the {$100.00} that was the original payment on the loan. I spoke with them for almost an hour. The personal finance team told me that someone would reach back out to me within 3 days because I may have been overcharged. I called back on XX/XX/XXXX and I was advised that they were still working on it. I called back again on XX/XX/XXXX and I spoke with them for 41 mins and I was advised that the reason that my payment changed was because I lost my payment protection plan. I called back again on XX/XX/XXXX, XX/XX/XXXX and spoke with them another 41 mins and on XX/XX/XXXX and still no resolution. I am upset because Navy Federal cheated me out of my protection plan. 3 years ago, I made a complaint because I had the protection plan that was supposed to kick in when I was out of work and could not pay. I called Navy Federal and let them know that I could not work ( which lasted 3 months ) due to being injured in a car accident. Navy Federal did not help me to file a claim and just made payment arrangements with me instead of servicing me with the product that I was paying for. After I made a complaint to the CFPB, they apologized for not servicing me and to compensate me, they waived my late fees which would equal up to the amount of payments that I missed. Navy Federal is now punishing me due to them making an error with their products were they should not have changed my payments from {$100.00} to {$210.00} which is more than double of my original payment. I have spoken with supervisors and several departments in order to resolve this issue and no one will help me. They all say that they can not help me even though they made a mistake that is costing me as a consumer and that is not fair.and they never informed me about the {$210.00} payment either until the end of my loan which is why I called to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX XXXX  ( Date Filed/Reported XX/XX/XXXX, Reference # XXXX ), XXXX XXXX ( Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I own XXXX on a medical bill and I having finance problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on my credit report I was being told I had applied for a new XXXX XXXX XXXX on XX/XX/2020. I never applied for a XXXX XXXX XXXX on that date as I am perfectly happy with the XXXX XXXX XXXX I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to XXXX XXXX over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up on my complaint that you've closed XX/XX/XXXX. My issues wasn't addressed well. 

I am asking for your help to have XXXX  XXXX XXXX with an account number XXXX opened in XX/XX/XXXX deleted from my file. I asked the bureaus todo verification for this account and they did. They stated that the account is accurate without providing me any proof of how and who checked it. I know under the law that they are required to provide me all the information as proof.
Product: Credit card

Wells Fargo claims to have " thoroughly addressed " their repeated mailing of mediation request forms, in which case, reps at mediation program refuse to provide mediation, hang up call... I've reviewed prior replies from Wells Fargo reps, there is absolutely no mention of their runaround mediation forms... These forms are sent in reply to unauthorized accounts opened by Wells Fargo reps including account ending XXXX, account ending in XXXX, a Jewelry account, XXXX XXXX XXXXXXXX Due to accounts opened, my credit has been impacted, credit score dropped, been denied credit. Further, I was not reimbursed for a debit card purchase in amount of {$290.00} made under account XXXX It appears Wells Fargo refuses to address issue pertaining to runaround with their mediation request forms, a total of nine or more of these forms have been filled out, returned, acknowledgement letter received.. When the number on letter is called, XXXX, I am told mediation efforts exhausted or am hung up on ... With regard to any efforts made, I believe this refers to a prior mediation from XXXX, in which case, this mediation refers to older deposit accounts from around XXXX, also unauthorized. A payment in amount of {$3700.00} was offered, sent to my old address after moving, never received. I requested proof of address verification, was provided with a letter from a XXXX XXXX agreeing to a payment in amount of XXXX, nothing all to do with payment in amount of XXXX. When runaround with mediation forms is brought to Wells Fargo attention, they refer to prior replies and or ignore issue. Most recently, I've received calls from Wells Fargo fraud dept as well as Wellls Fargo home mortgage line, was told they have removed XXXX XXXX XXXXXXXX as a merchant under their retail program, nothing at all to do with damage to my credit. There is mention of " mediation payments " in amounts of {$17.00}, {$50.00}, {$400.00} none of which received.. It appears Wells Fargo reps are attempting to offer these payments in leiu of their runaround with mediation forms .... These payments were not mediated or agreed to, do not cover damages, will not be accepted.. Well Fargo has been fined by CFPB in amount of {$3.00} XXXX, has little to no credibility, which goes to show in their runarounds.. Unless Wells Fargo is willing to offer a reasonable settlement offer to cover damages, I request CFPB fine Wells Fargo for handling of issues above, including their numerous runarounds
Product: Student loan

Step 1 : What is this complaint about? 
I wrote to CFPB before and below was the result. I need further assistance. 

" Navient systematically misdirected borrowers into student loan repayment and forbearance programs when they really should have been directed into the Public Service Loan Forgiveness program. As a result, the plaintiffs claim they missed out on payments that could have qualified them for public service loan forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements. '' https : XXXX? XXXX This is exactly what happened to me! 

Step 2 : What type of problem are you having? 
I'm missing 5yrs worth of payments that could have been added to my PSLF. 

Step 3 : What happened? 
I was hired to work for XXXX XXXX. Between XXXX and XXXX I had asked many times if there were programs available to help me with my payments. I was told all that was available was the Student loan repayment and forbearance programs. I had advised them that it was was becoming increasingly difficult to pay in this manner since i had approx 25 loans and that this was destroying my credit having this many loans showing on my credit report. But again and again i was told there were no other programs. I asked if i could get a consolidation load for this. They said NOT to do this because it would bring me undo hardship with one lump sum and that i would lose the ability to pay off loans individually. It wasn't until approx XXXX a gentleman there had informed me that since i'm working for a hospital that i qualified for the PSLF loan. I had never heard of this before and proceeded to get more information. 

After i applied for this in approx XXXX I was only given credit from XXXX forward. I asked XXXX XXXX XXXX why i wasn't given credit starting back from XXXX. They told me because my loans weren't consolidated before that time. I told them what happened and they told me to call Navient and complain about this, so i did. They sent me a letter dated approx XXXX. 

Step 4 : What company is this complaint about? 
Navient Step 5 : Who are the people involved?

Navient and Myself
Product: Credit card or prepaid card

I had an open BarclayCard US Visa account that was closed due to the age of the account. After attempting to login to my online account to make payment I was locked out of my account, and soon after I began making my payments by phone. After a while, BarclayCard stopped allowing me to pay by phone, stating that the account was too old and that I would have to make payment via check or money order. Two weeks later managed to speak to a representative who was helpful in assisting me with payment. I made a payment of {$100.00} toward my account balance of {$1200.00} on XX/XX/XXXX, which was receipted on XX/XX/XXXX. However, I received an additional statements on XX/XX/XXXX which did not reflect this payment. Multiple attempts to contact the customer service lines have yielded an unavailable number, and a prompt stating that the call " can not be completed at this time ''. I would just like to be able to make my payments and insure that they are applied to my account.
Product: Debt collection

Due to the pandemic, I have temporarily stayed w/ friends outside XXXX area and wasn't able to collect any physical mail from my residence for the whole months of XXXX. This specific credit card had {$0.00} balance but due to an annual membership they charged me during one of these months, I was not aware of any balances, resulting in a late charge fees and interest rate charges. I paid the annual membership amount, and sent this credit card company an email to please waive the late payment fee, due to COVID -19 challenges, but they refuse to. No sure what else to do, if I can not afford to pay these late fees. See email history. How can i get them to help me during this hard times. 

From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. I'm happy to help you today. The late fee charged to your account is correct. We charge late fees when the full minimum payment is not received by the posted cut off time on your scheduled due date. We've already credited a one-time late fee to your account. On XX/XX/XXXX, your account was credited {$27.00} as a one-time courtesy. Your account is not eligible for another credit at this time. Here 's how to avoid late fees in the future. We suggest that you mail your full minimum payment to us at least seven calendar days before your due date to avoid a late fee. You can also pay by phone or online. As of today, your account balance is {$140.00}, and your minimum payment of {$38.00} is due on XX/XX/XXXX. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This is a request for a a late payment waiver and its corresponding interests : Due to this annual membership, it automatically was placed on this card, but due to pandemic, I was temporarily out of my current residence ( XXXX XXXX XXXX ) and unable to receive my correspondence by mail. I am hoping you can waive the late payment and its interests incurred during the month of XX/XX/XXXX. Thank you for your consideration and understanding during this time of uncertainty. P.S Note that a payment for annual membership for the amount of {$110.00} has been submitted on today 's date thru XXXX account and should be reflected on your system by XX/XX/XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything on this credit report from experian and XXXX XXXX is false. Multiple times Ive diputed the multiple miss spelled names on my credit report because I have not ever used them to apply for items or products. They have inquiries Ive never even heard of and it's funny how everything that's on the report was done in XXXX and XXXX. Now just recently they have been hacked again for people information.
Product: Checking or savings account

XXXX Adult son should have been a trustee. On the account with Alley bank. They put him as co owner and he took everything out of my account and Ally bank takes no responsibility for my son closing the account. Nor take responsibility for notifying me. The say sense account was never fixed from Co owner to just a trustee that its ok for him to take all my money. Then close out my account.
Product: Debt collection

I never had a XXXX account in my life and my credit shows that i have iask them to correct this many times and they still have done nothing
Product: Debt collection

I have repeatedly over the past XXXX years, contacted the CFPB as well as the credit reporting agencies and the credit cards involved informing them of my identity theft I furnished an identity, theft report and very valid proof of the identity theft, as well as the wrong information that was being reported to my credit Every single person, including the CFPB has ignored me despite the fair credit reporting act 15 U.S.C. 1681i very clearly stating that false debt must be throughly investigated this has caused me tremendous damage throughout the past years. I have been forced to stay in a property that is full of XXXX with my child that has no XXXX due to credit problems. It has also caused me to have a significantly higher credit rate for my car, which I just purchased at I want to be compensated for it the fair credit reporting act 15 U.S.C. 1681o Establishes liability for negligent noncompliance, allowing recovery of actual damages and costs I am enclosing my proof that the fraudulent claims have finally through no help of anybody, but myself been taken off due to identity, theft, and the damage that has caused the actual damage is well over a XXXX XXXX dollars which I am positively pursuing in either small claims or civil court with or without representation if no compensation is received by means of this complaint.
Product: Student loan

I have contacted the company multiple times, stating that I am unable to constantly make these high payments. Their response is always, " There is nothing we can do to help you. '' They are making it very difficult to make a living.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I sent certified letters to Chase Bank for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested Chase bank to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 Chase Bank has not sent anything. I then disputed the accounts with XXXX and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? Chase Bank cant verify.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Against Coinbase Uncredited {$2000.00} XXXX Transaction Description of Issue : On XX/XX/2024, I mistakenly sent {$2000.00} XXXX on the XXXX XXXX to my Coinbase exchange XXXX XXXX XXXX minutes after my initial transaction, the funds were automatically moved to the Coinbase XXXX XXXX XXXX a wallet actively used by Coinbase for transactions. 

The Coinbase XXXX XXXX XXXX has both incoming and outgoing transactions, which means Coinbase has full control over these funds and the ability to either return my XXXX or credit my account with the equivalent amount. This proves that Coinbase is legally in possession of my money and has the means to return it. 

However, despite XXXX separate support requests and over XXXX hours spent on calls with Coinbase support agents, Coinbase has refused to credit my account, stating that while they support the XXXXXXXX XXXX, they do not support XXXX on XXXX. 

Selective Fund Recovery Inconsistency in Coinbase 's Actions I am in contact with XXXX different individuals who successfully recovered their funds from Coinbase in similar situations. However, all of these recoveries happened on or around the same day in early XXXX before my initial transaction. This raises serious concerns about why Coinbase selectively chooses to assist some customers while denying others. 

Supporting Evidence of Prior Recoveries : A detailed spreadsheet documenting these successful recoveries, including transaction details and Coinbase 's responses, is available here : This document highlights Coinbase 's inconsistent and arbitrary handling of fund recovery requests. 

LINK - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This document highlights Coinbase 's inconsistent and arbitrary handling of fund recovery requests. 

Additionally, I am also in contact with multiple other users who, like me, have been denied any recovery options. 

XXXX Evidence of My Funds Being Moved Below are verified blockchain records demonstrating that my funds were not lost but transferred into Coinbase 's possession : Transaction where I sent {$2000.00} XXXX to Coinbase XXXX XXXX XXXX XXXX Transaction where Coinbase moved XXXX funds to their " Coinbase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the Coinbase XXXX XXXX XXXX XXXX actively used by Coinbase for transactions ( XXXX and outgoing ), there is no technical limitation preventing them from returning my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
DISCOVER CARD IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON.
Product: Debt collection

I am just now finding out about the debt because the apartments and collector didnt notify me of any issues. I left the apartment complex with a forwarding address and phone number as well. I did leave my keys for the complex and left the apartment clean. I simply moved because my lease was up and wanted a better apartment. The collector stated that the complex evicted me because of the apartment being destroyed, but I have never been evicted and have never gotten any notice for eviction. When the collector asked if I had the move out sheet with the information stating I had left the apartment in good standing I tried to explain that I did not because this was in 2017 and I had since been in a XXXX XXXX relationship that I had to flee and where he destroyed any paperwork I had. She was extremely rude and not helpful. She stated that she sent the information to XXXX XXXX in XXXX which is my abusers home and where he had also canceled all of my mail. However, that was never my forwarding address. It has always been XXXX XXXX XXXX in XXXX and it still is. The apartment complex nor the debt collector have notified me still. The only reason I found out is because I contacted them after an apartment I was trying to get now was denying me for that. The previous complex and the collector has given fraudulent information about me or got me confused with a different tenant. I have received nothing in writing, have no description, no call, and no account number.
Product: Credit card or prepaid card

I see multiple 30, 60 & 90-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX is reporting on my consumer reports at XXXX, Transunion and XXXX. As a debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report. I never gave permission for them to share my personal information.