23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a credit card with a company called XXXX. 
Back in I believe XXXX, I received notice from XXXX that their business was closing, all cards would be unusable and to continue to make payments via their app. It was not long after that I was unable to access my account to even be able to pay. I was unsure what to do from there and assumed that someone had purchased all of XXXX 's credit accounts and we would be notified who I needed to continue payments with. Around the same time, we purchased a house in XXXX. I had changed our address and figured I would get some form of communication. I received no letters regarding who now owned the debt until yesterday XX/XX/XXXX. I was served a Notice and petition for judgement filed by XXXX XXXXXXXX XXXX XXXX  in behalf of Absolute Resolutions Investments LLC. ( The current owner of the debt ). I contacted XXXX XXXX to explain the situation, ask to set up payments and to stop the judgement. They we unpleasant to talk to and agreed to set up payments of {$120.00} a month and they advised would submit a temporary stop on judgment under the terms that no payments were missed. I asked the Attorney to please let me know what the total I would have to pay back would be and he said that there will be the balance plus court fees which he advised would be at least {$95.00} as well as service fees in which he would not tell me the total of. I was forced into a payment plan of which I have no idea the total amount they will be taking from me. That is one major issue I find. The other larger issue I see is that the Attorney told me that in order to stop the judgement, I have to sign an agreement for the payment plan and send it back to them. He advised the letter will take XXXX weeks to get to me and i have to mail it back. The issue is that I only have 20 days before I forfeit the judgement. I asked the attorney if they will stop the judgement before considering i authorized the payment and payment plan and he told me he couldn't give me legal advised. What I'm gathering is that they are attempting to force a judgement on me by delaying paperwork even thought this whole issue was not my fault and even though I am actively attempting to resolve it. I am at a loss of what to do and can not afford an attorney to help me with this. It is in my eyes extremely predatory and unethical.
Product: Payday loan, title loan, or personal loan

Applied XX/XX/XXXX & denied while having a great score with not a single missed payment - I have had excellent credit since XXXX
Product: Payday loan

I have filled out a stop payment form with bank and I have also filled out a form that stops them from taking money off my bank card as well. I sent them a certified letter stating that I am revoking my consent to use my bank for any future transactions/eft's/ACH ... etc, etc. I have offered them {$50.00} every 2 weeks but they are going to continue the 7.9 % interest per day on me!!!!! I will never get out of this!!!! Atleast I am trying to pay them and not running off and waiting till they take me to court ... ... .Their EPP ( extended payment plan ) agreement is very unfair!!! Advance Financial 24/7.
Product: Credit reporting

My date of birth is wrong on my credit information and it is not allowing me to use my credit or get my credit report. I have sent a comment email to annualcreditreport.com but I dont know if they can do anything. How do I get this fixed immediately? How will this continue to affect my credit?
Product: Debt collection

received a bill from West Asset Management pertaining to a medical bill that was proven to not have been filed with the insurance company. I requested an audit of the information provided to the insurance company and the hospital. It was verified the insurance company was not billed accurately and the data furnished to the creditor was not complete. They were not able to verify all information as requested by law or for auditing purposes. I was informed the item would be removed from my credit report and have requested on a number of occasions to remove the item to which it remains.
Product: Credit card

The CFPB resolved an issue for me with a XXXX credit card. XXXX apologized and refunded all late fees. However, Sears is still reporting this issue as a late payment on my credit report. Please ask XXXX to remove the late payment on my credit report.
Product: Credit reporting or other personal consumer reports

I am unable to check my credit score for Transunion and it has not updated my accounts or let me obtain my free annual credit report for the past two months they also have been reporting items to my credit report such as collections, charge off accounts that have been write offs from companies to IRS and not following 15USC laws which states they must have written instructions from me the consumer in order to report these items the reporting companies did not provide me with itemized bills as i requested or sent out a notice in the mail or proof of delivery of mail sent to me as 15usc1607l states within the 21 days Before the statement date as law states but this agency Transunion allowed them to illegally report information without doing a FULL investigation to make sure protocol was followed before doing so, they have violated my rights and freedom to privacy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 i initiated a withdrawal from gdax ( the exchange operated by coinbase ). for an amount of XXXX. The withdrawal never landed in my bank account and coinbase has not responded with anything meaningful.
Product: Credit reporting or other personal consumer reports

As per my previous complaint states, Ally is inaccurately reporting my loan that was paid in full. They marked it as disputed and its being reported disputed and included in XXXX XXXX XXXX. Ally themselves states my account was paid in full. They stated during the process of my bankruptcy I continued making payments. I also signed a waiver from Ally. This account was paid and not included in a bankruptcy. My bankruptcy was XXXX XX/XX/2021, and I continued to pay the loan until XX/XX/2021 when the loan was paid in full.
Product: Checking or savings account

I purchased an insurance policy from XXXX on XX/XX/2020, in the amount of {$160.00}, through my Citibank debit card ending with XXXX. In XX/XX/2020, I closed my Citibank accounts. On XX/XX/XXXX, I cancelled my insurance and a refund was issued back to the Citibank account. However, because the account was closed, therefore I never received this refund. 

In XX/XX/2020, I filed a complaint with CFPB in regards to the concern of Citibank. Citibank responded that they investigated the incident and confirmed that they did not receive a refund since the account has been closed. 

On XX/XX/2020, I originated a recorded three way phone call with Citibank and XXXX, XXXX   confirmed that they issued a refund back to the Citibank account and the transaction was never bounced. 

In my original complaint, I stated that I would like to dispute the transaction made on XX/XX/2020, in the amount of {$110.00} because the service was cancelled. Citibank has not processed the dispute as far as I understand the situation.
Product: Debt collection

I am entering this compliant in hopes I can find some resolution. I lived in the apartment mentioned XXXX  XXXX  XXXX XXXX XXXX from XXXX until the time the lease expired on XXXX, I moved out on XXXX after several communications with the manager of the complex at that time XXXX XXXX. My constant communications with the front office was in regards to the on going mold issues as well as AC issues in my XXXX XXXX. I was told several times by management and maintenance that the issue would be resolved. I am a single father and have a young daughter that lived with me. After several months of the mold issues not being resolved, I informed management that my daughter had developed a XXXX  and that i felt it could be from the mold spores in the AC vents and that I would not be renewing my lease. ( please see included pics ) I was told that it would be fine and that no backlash would occur from me moving out when my lease was up. My lease ended so I moved. Per Texas Property Code 92.056 The law states that the landlord has 7 days to remove the mold, if the mold is not removed a timely paying tenant can end the lease and move ... So this is what I did, I actually moved when the lease was up and did not terminate the lease early but in fact I refused to renew a lease secondary to the mold. I received a debt collection letter from ProCollect on XXXX Account number XXXX. I then sent a certified letter to ProCollect for debt validation and in return they sent me a final account statement that clearly shows the date the lease expired and the reason for moving out as illness ( please see included pic ). so as you can see clearly, I may owe the final water bill of {$51.00} but i should not be responsible for the Cost of Re-letting fee {$1200.00} as per the statement i moved out when my lease was up due to illness from the mold. ProCollect continues to report this as an open account and continues to report tradelines  despite me providing them with pics for proof and the fact that I moved out when the lease was up and not prior to the termination of the lease, therefore eliminating the ability for them to charge me the re letting fees for unlawful early move out ... So what are they attempting to collect other than the water bill.
Product: Credit card

I reached out To Milestone Credit Company around XXXX XX/XX/XXXXXXXX  and I havent reached that because of my hardship. I havent been able to to recover fully ever since XXXX I applied for this card to assist in the process of recovery but I was wrongly Mistaken. Interest Rates are extremely high for people with bad credit and they are notoriously known for this. I have been late on this account and Every payment I tried to make never goes through so the account is just incurring interest.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax regarding multiple inaccurate account and reports I have incurred. This issue aligns with the recent CFPB findings against Equifax for similar practices, where accounts would report but are not accurate or incorrectly having information on a credit report. I believe these practices are unfair and request an investigation into my account.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2022, " XXXX '' reached out to me on XXXX XXXX to purchase an item I had listed on XXXX XXXX. He agreed to purchase it and then tried to pay me through XXXX but it wouldn't go through because I didn't have a " business account ''. I got an email from " XXXX '' explaining I would have to send him {$300.00} and I would get the {$300.00} refunded as well as the {$70.00}. I wanted to back out, but felt guilty because he said he already lost the {$70.00} and in hindsight none of this makes sense/ I suspected it was a scam earlier on, but that guilt and good faith got the best of me. I sent him the {$300.00} with proof and then got an email saying I'd need to send an additional {$500.00} and when I asked " XXXX '' about it, he provided a different email for me to send the money to which made me snap out of it because I could not possibly reason why he had two separate XXXX accounts I would need to pay. As soon as I realized, I called Chase to file a claim and once I did so, proceeded to let XXXX know that I knew it was a scam. I received a notice from Chase today ( XX/XX/2022 ), that there would be no action taken. 

I've attached the conversation with XXXX, the email thread with " XXXX '', and the letter from Chase saying that my claim was resolved with no action.
Product: Credit reporting or other personal consumer reports

This is my several 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 items 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Late payments reported for XXXX and XXXX in XXXX. 
I never received a bill requesting payment. I received a phone call from Navient informing me that I was behind on my payments and requesting a payment, which I notified the representative that I never received a bill and that if I would have received a bill I would had taken action to the matter to prevent late payments. Per Navient representative the bills were emailed to me, at this time the representative was informed that email was not my preferred method of communication as that time I did not own a computer, lap top nor smart phone and requested communication via U.S Postal Mail. During that phone call I informed Navient representative that I was unable to make any payments at that time as I was still looking for a job after graduating- ( assuming all calls are recorded ; this conversation may be audible though Navient 's recording system ). The representative recommended a deferment in which I took immediate action and completed all the requested paper work. On XX/XX/XXXX I mailed the Credit Bureau Management for Navient to dispute the late payments reported as I never received a paper bill. 
XX/XX/XXXX Attention : Credit Bureau Management Account # XXXX I am requesting that the delinquent payments reported to the three credit bureaus in XXXX, XXXX and XXXX of XXXX be removed due to the fact that I never received a bill requesting payment. I did receive a phone call some time after that requesting payment because they were late, in which I did tell the representative that I never received a bill. I then took action to apply for a deferment at that time. 




Sincerely, XXXX. 


I did not receive a response to my dispute, it wasn't until XX/XX/XXXX at XXXX when I contacted Navient to follow up with any results in which I was informed that my dispute had been resolved, that they disagree with me and that an email was sent to me with an explanation. I informed the representative that I never received and email then I was told to check my spam or contact my internet provider if I am not getting emails. I questioned why didn't I receive the explanation in the mail by paper, and that this is what happened with my initial bill in XXXX that I never received and that a representative was informed back in XXXX that my preferred method of contact was via U.S postal mail. I have checked all my emails-spam, inbox, deleted and still do not see an email from Navient with the dispute explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Direct Express said they did an investigation. They did not, I did not order from these XXXX XXXX XXXX. did not get any pills. I had XXXX, I did not need that computer co. They are the card that XXXX sent me for payments, so I never thought charges could be put on it. They also put on false payments from the XXXX. Which hurt me when I applied for food stamps. XXXX XXXX ( XXXX ) XXXX XXXX Thank you
Product: Bank account or service

I opened chase savings/checking accounts on or about XXXX 2015 after banking with XXXX XXXX XXXX for more than a decade without any problems what so ever. After only a few months with chase, my checking account was hacked and several unauthorized transactions were honored by chase bank, despite the fact that I had alerted them that my card had been stolen days prior to any transactions, they elected to process them. When I opened the account I was told that the account was protected from any and all fraud and unauthorized transactions, however after reporting that my card had been stolen, I received a replacement card and was informed that I would not be held responsible for any of the transactions and any and all monies due would be restored to my account. The reality is I then received notice that my account was being closed, I would never be allowed to open another chase account and that I will be charged for more than {$1200.00} in reported unauthorized transactions. Since the account is protected from fraud and unautherized transactions and chase has denied me protection, one can only conclude the bank is alledging that I have committed fraud and that I am lying regarding the transactions. This is untrue as well as slander, further after reviewing the statements, letters and canceled checks involved that were sent to me by chase bank, I have conclded that this is a inside job, my information as well as my documentation will provide evidence of this fact. Note : ( Documents will be provided upon request ) CONCLUSION Chase bank is beneith dignity and engaging in fraud itself as well as misrepresentation when it lies to it 's customers when opening new accounts.
Product: Credit card or prepaid card

Capital one has me added to a credit card as an authorized user that I never requested and have no knowledge of the person the account actually belongs to. I have contacted Capital One and told them that I should not be an authorized user on XXXX XXXX 's credit card, however they have refused to remove me as an authorized user, and now I am showing late payments on my own credit report based off of Capital One adding me as an authorized user fraudulently. I was the victim of identity theft and my credit was also compromised during the XXXX breach but Capital One has refused to remove me as the authorized user. I do not know anyone named XXXX XXXX and I never have, and I never gave any such person the authority to add me as an authorized user. My identity was compromised and I am struggling to resolve these issues, but Capital One has refused to honor my efforts and have been verbally abusive to me with regards to this matter.
Product: Credit reporting or other personal consumer reports

DEBT VALIDATION CLAIM 15USC 1692G allows me the right to request debt validation claim I am requesting the following ; 1. Send me a full detail list of payment history for this account.

2. Send me the original signed contract that I agreed too for this creditor.

3. Has there been any insurance claim found on this debt?

4. Please provide the chain of title that you have to collect on this debt.
Product: Money transfer, virtual currency, or money service

I first used Binance in XXXX or XXXX. The laws, rules, and regulations surrounding cryptocurrency have been constantly changing, and it is constantly small people like me that are feeling cheated out of these markets. 

I have little money, and I wonder if Binance is holding less valuable accounts longer in verification for when it may be useful to have buying cryptocurrency surge. 

I can verify clearly with Binance account history that I was keeping a 'bag ' of primarily ADA , BNB , and BTC  in XXXX. I spent a lot of time researching to determine which cryptocurrencies had profitable futures. After the midterm elections, I did not expect massive movement until the upcoming XXXX election. 

At this time Binance had a US website and made me re-register. I do not have any kind of impressive bank balance or credit. It took literally months to be reregistered. I tried to get my account set up on XX/XX/XXXX. Between XX/XX/XXXX I have over 20 emails between me and Binance trying to get my account verified, and to have a bank account attached, and to this day I still do not have a bank account attached. It is a standard XXXX XXXX XXXX  account and is on their auto list. I tried the automated method, the manual method, and have emailed Binance. 

I had literally a paltry {$1000.00} to invest on XX/XX/XXXX. XXXX at the time was XXXX cents/ coin. Now XXXX is XXXX dollars/coin, an almost XXXX increase. I have entirely missed that and attempted over 20 times to set my account up.

These companies are all supposedly regulated in the US now, how can a company justify taking private information, social security numbers, bank account numbers, balances, access, and then not even respond or set accounts up for months? As a consumer, am I expected to give this vital information to ten or twenty different online 'reputable ' brokerages and throw the dice and hope none of them abuse it?

You can not trust any of these companies that take this kind of information with no immediate result, and you can't trust the CFPB if they turn a blind eye to this kind of behaviour.
Product: Checking or savings account

I opened a savings account last XXXX, responding to an offer for a {$150.00} bonus if I kept {$20000.00} in the account for 90 days, which I did. Capital One did not pay the bonus, citing fine print that said the period was really 105 days rather than 90. A previous complaint to the CFPB resulted in a letter from Capital One that did not address the issue, i.e. that there was clear language in the offer saying 90 days. I tried repeatedly calling the follow-up number provided in the letter to talk to someone named XXXX who apparently does not exist. I left several messages, none of which were returned. Not paying this bonus is a clear violation of contract law and false advertising statute. I will pursue in court if it is not paid.