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

On XX/XX/XXXX I was transferring digital currency called Basic Attention Token BAT from my Coinbase digital wallet back to my Coinbase Pro   account. The XXXX BAT never reached my Coinbase Pro account. In fact there is no record of the transaction anywhere I could  find. I made transfers of other digital assets before and after the disputed transaction without issue. I have made multiple formal complaints to Coinbase requesting my account be credited the XXXX BAT valued at approximately {$460.00} usd at the present moment I'm drafting this. They provided me with a " canned '' response on XX/XX/XXXX. Their response addressed none of my issues nor did it provide a explanation of where my digital assets went. I again filed another formal complaint on XX/XX/XXXX for the same exact issue and have yet to receive a response. In researching Coinbase they have a documented history of ignoring and or not resolving customer complaints. While {$460.00} isn't a large sum of money it's unacceptable that they will provide no documentation or explanation as to where my digital assets are.
Product: Credit card or prepaid card

I can not believe how inadequate the research into my problem has been. After numerous requests via credit reporting agencies and cfpb I finally got an accounting of my charges by Capital One, and as I already reported, they very clearly charged me over {$80.00} interest in the first year of my card which had a {$300.00} limit. That 's nearly 28 % interest in the first year, almost 4 % over the 24 % legal limit. {$12.00} from XX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX, and {$72.00} from XX/XX/XXXX-XX/XX/XXXX. I 've made numerous attempts to hold them to the law to no avail. I want this debt dissolved and removed from my credit reports. Indeed, if I could sue foe damages, I would.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

GLOBAL LENDING SERVICES never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I owe only XXXX from the start of this XXXX. I made a payment over the phone, but i did not get any confirmation neither a receipt of my payment. I owe only XXXX balance but this company is increasing debt settlement more I owe. In fact, I already pay them in full this account of XXXX but to my surprise, this company is scam. bec. no confirmation and receipt provided to my payment.
Product: Credit card or prepaid card

I recently got a Card from The first National Bank Of Omaha called XXXX XXXX XXXX XXXX. I used it to make purchases on Sunday XX/XX/XXXX. They were all online purchases and when I went to make another purchase the card was not accepted. I called the card and they connected me to the fraud department. They then asked about all the purchases and amounts and I said yes that I made those purchases. They then asked some security questions in which I answered including they wanted my drivers license number to identify me. later found out they were not to ask for this. They said my information did not match up with my account. They lady I talked to was new and didn't know what she was doing. They then told me in order to identify me I have to go to MY financial institution and Have them call the credit card to identify me or send by email notarized documents of tax records,10W40, and ID!! What card does this??? I went to my XXXX and they strongly told me that this is not a good card and they should not have to call this card company that has nothing to do with the XXXX to verify me as the card company should already have this in place. 
I called the First National Bank Of Omaha back and they told me the same things to have done to verify me and they can not tell me anything about my account and they have blocked me completely out of my online account. 
At this point they will not even close my account at my request!! They also will not tell me how much I owe them so I can pay off the card and even if they did they still will not close the account with the fraud alert on it. 
I have ready online a lot of bad reviews on the First national Bank of Omaha. There are a lot of people going through the same thing as I am with them. I believe what they are doing and requesting for access to my account is fraudulent and possibilities for identity theft. 
I have contacted XXXX and they suggested to put a freeze on my credit information in which I have done. 
I would like this First Bank Of Omaha investigated! There should be no reason they can not identify me when I entered all my information correctly when I applied for the card. They would not have issued it to me if I didn't have correct information. 
I have also been strongly advised to not send in those documents to them so I am not doing so. 
Please get back to me on your investigation. thank you
Product: Checking or savings account

Hello I recently opened an account with Citibank and just got paid into it, after i got paid they closed my account and told me I can not access it without a debit card which I ordered and never got it and I asked to re order and they said I have to go to the branch, which I can go because I stay in XXXXXXXX XXXX  not in XXXX XXXX  and all the representatives I called all said they can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information my mailbox was broken into all my personal information was stolen postal inspector validation the situation a I so my identity was taken sone been using my name I called a creditors and all credit co no action was taken on my credit report
Product: Debt collection

Juniper XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Debt collection

Meridian financial placed me in for collection without notifying me. My credit score went from a XXXX to XXXX. I was n't given an opportunity to discuss and or pay a debt that was 5 yrs. old prior to them killing my credit. I contacted the time share and solved the problem in a 20 minute phone call. When I called them Meridian to tell them that this was a misunderstanding and the debt was paid, ( without there help ) and that I would appreciate them clearing my name I was told and lied to about how they spoke with my husband ( XX/XX/XXXX ) ..who died in XX/XX/XXXX. And how they sent numerous letters to an address I never lived at. And how this will be staying on my credit report for 7 years!!! I think it is unfair for a company to have so much power that they are able to wipe a persons credit out with the stroke of the keyboard. I am asking that this mistake does n't wipe out 40 years of exemplorary credit! My credit is who I am and it means the world to me. As a widow I would not have been able to provide for my children. Now as an XXXX adult I must maintain great credit to survive. Thanks!!
Product: Mortgage

Home point financial purchased my mortgage in the middle of XX/XX/XXXX, they then charged me for insurance at a rate triple of what my current insurance was I was not contacted and did not find out until I was looking at my online statement in early XX/XX/XXXX.

They had opened up an escrow account without my knowledge or permission, I asked them to provide documentation of when I gave permission for them to open escrow and they can not provide it.

After charging me for insurance when I had already had insurance, I called and emailed proof of insurance on XX/XX/XXXX.

Several weeks later they still had not corrected and refunded my account. I sent additional information and after over a month they credited my account for the insurance.

However, They have increased my mortgage payment by {$100.00} a month and have not closed the escrow account. I have emailed over 10 times. In addition, they charged late fees when I refused to pay the increased mortgage payment.

I BELIVE THEY ARE BUYING Mortgages WITH THE INTENTION OF MAKING MONEY BY CHARGING FOR LENDER PLACED INSURACE. With little research I was able to see the lending company is affiliated with the insurance company writing the lender played policies. I can not think of any other reason they would have purchased my loan as it has a very low APR and is only a few years from being payed? They would have made more money underwriting a new loan at current rates? Also when they purchased my loan they must have inquired if the property was currently insured? PLEASE LOOK INTO THIS!
Product: Prepaid card

Sorry I could not figure out the right options for this issue. I used my kids fathers cash app card to make a purchase from XXXX XXXX. But it seems a third party scamming charged the card, not fashion nova so I was charged for clothes that I never received. I keep disputing with cash app and cash keeps saying no issues were made and denied the dispute. I dont know what else to do but got scammed out of {$93.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS REPORTING AN ACCOUNT FROM BANK OF AMERICA ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Debt collection

This collection sue me one and i pay it sent payment and now there trying to sent something else i don't know who they are they already garnished my pay for about {$3000.00} and sent garnish to my job and they paid out my paycheck and I don't owed this money to them there not the bill collect I owe were XXXX XXXX and the the payment went to another collection call Resurgent receivables LL I don't know them never sent me anything no record of receipt now they put on my credit report now I owe them now {$1000.00} that I don't know anything about and I don't owe no credit collecting and say I been owe them since XX/XX/year> been ask to remove and they will not it on my credit report as a collection and it derogatory mark and it keep me get a place to stay am tried of please help to know my right and take
Product: Checking or savings account

I am using TCF bank checking account. I have never consented to opt-in rule ever since I opened the account in XXXX, but I have just found out that they automatically put me in these option. And there was XXXX transactions ( credit card payment ) when I did n't have enough balance in my account. But the bank charged me {$74.00} for those XXXX transactions. I called the bank and explained the situation, but they did not apologize their arbitrary action, which is the violation of the law, and still insisted to charge me for the transactions since the transaction, which is credit card payment ) is related to my bank account. I do n't get it. If there was not enough balance in my account, they should have declined the transaction rather than charging me overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius Global Solutions LLC is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$83.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Radius Global Solutions LLC failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Radius Global Solutions LLC and Im demanding them to remove the collection account from my consumer report.
Product: Mortgage

My mortgage was recently sold to Truist Bank by XXXX XXXX. The notice stated that my mortgage payments would remain the same. As soon as I received the necessary paperwork, I began making payments to Truist Bank online. All mortgage payments have been on time. 

Yesterday I received a notice saying that because Truist was not not able to predict the amount of money needed to cover insurance and taxes they would increase my monthly escrow by {$43.00}. If they had looked they would see that both insurance and taxes were paid last XXXX, and my mortgage had been adjusted down because I had been paying too much into escrow. 

I seriously doubt that either insurance or taxes will go up by anywhere near this amount. While stating that my mortgage payment would remain the same, they get around raising the monthly mortgage payment by increasing the escrow. 

I do not believe there is any real need for this increase. If interest rates had not gone up so much since I took out this mortgage I would look for a mortgage with another institution. But since rates have gone up so much there's no way I can refinance without paying a lot more in interest.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block, Ink. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

original creditor was XXXX XXXX and that is what is on my XXXX credit report but on my XXXX world finance co. purchased the loan. and reported the i had been making payments since XXXX it was and has been a charged off account and then they refreshed it by putting that i missed a payment recently on XX/XX/XXXX and on XX/XX/XXXX i have not done anything on this account since XX/XX/XXXX they have illegally refreshed this account I had no idea they had even purchased it. i have contacted XXXX twice on the matter and they are no help at all. on one report it is still XXXX XXXX with a differnt balance on that alone there are major conflicting issues with this .companys should not be allowed to purchase other accounts like this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX XXXX to negotiate a debt. I attended XXXX XXXX University  during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. XXXX XXXX XXXX agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that XXXX XXXX is reporting this account as unpaid.
Product: Debt collection

Pulled my credit report on XX/XX/XXXX, and saw that XXXX XXXX XXXX placed a collection account on my credit report. I have not received any communication from this company regarding this debt or any opportunities to dispute it. I do believe that the law states that I have the right to be notified of a debt prior to it being placed on my report and given the option to dispute within 30 days of receiving that communication. XXXX XXXX XXXX has not attempted to provide me any written communication regarding this debt. The practice of placing collections on accounts without any notice is illegal and this company should be held responsible for its actions. This collection claims to have been opened in XX/XX/XXXX, yet, this is the only time I have been made aware of this. I also placed a call to Synchrony Bank, the so-called original creditor, to see what this debt is and they were unable to find any account of mine that has not been paid off already.
Product: Credit card or prepaid card

I recently tried to tried to log back into my Capitol One account online so I could reactivate my credit card as I need it for some vehicular purposes. My regular username and password did not work and so I put in other personal information and once I did, the page listed a number that I needed to call to fix the issue. 

I eventually got through to an " operator '' who said that he could handle the issue then asked for my name, date of birth, and social security number, which I naively gave, then he hung up. I googled the number, which is XXXX, and there were a list of complaints of suspected phishing and scam attempts. 

I then called the number on the back of the credit card and put in the 16 digit card number and was immediately transferred to another company and a lady answered, asking for my bank account number and social security, which I then hung up. 

Now I'm a little worried. Even help would be much appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security XXXX : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened On XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2022 I mailed a request for validation of a alleged debt reporting on my credit from STALLINGS FINANCIAL for {$210.00}. I sent the letter certified and no one ever received or signed for it.
Product: Credit reporting or other personal consumer reports

The school I went to over 15 years ago closed and my student loans are still on my credit..I even trying to get them forgiven..still no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Mortgage

I had a hardship that caused me to default on my mortgage in XXXX. I went into the HAMP program and the 2nd mortgage refused to participate. The second mortgage refused to do anything on the note, and sold the loan several times until after the new servicer Land Home Financial took over the loan. The books were fraudulently changed by one of the mortgage servicer 's to reflect that payments were made through XXXX of XXXX. Land Home has refused to supply payment record 's to myself, but did produce them for the New Mexico Attorney General. The payments reflect false information that the company used to then file for foreclosure, and to make it look as if the last payment was 7 months later than it truly was. They have also refused to hand over the default letters, and if Land Home only has default letters from XX/XX/XXXX, then the previous letters were either erased and hidden to try and make it look as if the loan had been paid through XXXX, and foreclosure would still be valid, but this loan is past the statute of limitations if not for the fraud that was written by the servicer.