23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX, I called Citi DoubleCash customer service at XXXX to dispute a charge of {$60.00} from a merchant, " XXXX XXXX '', dated XX/XX/XXXX. ( I disputed the charge because I had cancelled my membership with XXXX XXXX ( according to their cancellation rules ) on XX/XX/XXXX, but they still billed me even though I received no products or services from them. When I called XXXX XXXX on XX/XX/XXXX, " XXXX '' told me they would issue a {$60.00} credit back to my DoubleCash MasterCard within 3-5 business days. ) I was connected to a Citi DoubleCash person named XXXX with a very thick ( XXXX? ) accent who I could barely understand. He asked me the same questions repeatedly, such as, " What was the date of the charge '', " What was the amount of the charge '', the name of the merchant, the last 4 numbers of the credit card, my address, etc. He also repeatedly put me on hold to find information. After about 22 minutes, he told me he could not dispute the charge. I then asked to speak to a supervisor. I then spoke to XXXX, a customer service supervisor who also kept putting me on hold to talk to the Disputes Dept. I asked him why he did not transfer me to the Disputes Dept. He could not answer, but transferred me to XXXX in Disputes, who said she would issue a permanent {$60.00} credit within two business days. I thus spent 44 minutes to resolve my dispute, even though I stressed that I needed to get up very early the next morning, and when I should have immediately been transferred to the Disputes Dept. at the start of the conversation.
Product: Student loan

XXXX and XXXX are marked as ineligible for XXXX monthly payment counts, despite these being months that were placed in administrative/processing forbearance. XXXX, my account was in administrative forbearance due to the issue with XXXX billing. XXXX my account was placed in administrative forbearance due to a delay in processing my IDR renewal. My account does not show they were in administrative forbearance, but are just marked as regular forbearance and this arent counting them. Ive been calling about the XXXX issue since XXXX, and it still has not been fixed. Now XXXX is showing up with the same issue. 

( Side note : my monthly billing statements are also not showing up correctly. Its now showing {$79.00} for XXXX and I have no idea where that amount came from. Each month is getting more and more messed up. It should be the full {$240.00}, assuming the refund from XXXX and XXXX payments were issued? )
Product: Checking or savings account

We had 3 savings/investment account that were subject to fraud. On XX/XX/XXXX and XX/XX/2023, someone withdrew around {$5000.00} from our savings accounts, closed our CD account with around {$10000.00} attempting to withdraw those funds as well, and we had an additional investment account with {$5000.00} in bonds. 

We reported the {$5000.00} funneled out of our account, and theyre currently investigating. The account was flagged for fraud before they were able to withdraw the {$10000.00} from the CD account however, the investment account with {$5000.00} the Bank ( Goldman Sachs ) says theyre not seeing it. We have attempted 5 different days, multiple calls, and they say theyre not seeing this account. 

In addition to this, we reported that {$6400.00} was transferred from our main checking account to a Goldman Sachs account under my name however, theyre not seeing those {$6400.00} as well.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase on XX/XX/2020. My account is verified ( see attached email ). Despite me having many emails and bank statements confirming my purchase of various crypto, none of coinbase confirmations contain my account number. I find this concerning and question the reasoning for this lack of basic account information in the event of a hack, how would they know how much was stolen and to whoms account? This basic information should be provided on each confirmation of crypto purchase. 

On XX/XX/2020, I attempted to get into my account. I was met with the following message : " Sorry your account is temporarily disabled '', Please contact support ( see attached ). 

Yet, they provide NO contact information! They lock you out, period. This Company have a very very very bad reputation, which unfortunately I became aware of after the fact, and have been reprimanded by the SEC for exactly the same kind of shady business culture. Many people I know are dealing with the same shady interference by Coinbase. I believe they are keeping our funds and skimming of the interest. An investigation into this companys business practices is warranted. Just go on XXXX, and the internet and you will see ALL the account holders dealing with the same issue, and coinbase refusing to contact them. Some people end up walking away because coninbase ignore all requests. It is disgusting that this company ahs been able to do this for so long. 
I contacted coinbase on XXXX, as their website do not provide any links to contact support. 

It quickly become clear, that coinbase had absolutely no intentions of trying to fix their issue. The rep was arrogant and rude. When I asked questions that required transparency, he was unable to, or chose not to answer. He lied, telling me 2 different reasons ; 1 ) A glitch, then 1 minute later changed it to Malware. I then asked him, are you telling me coinbase is not secure, he ignored me, this after telling me to calm down, as I was and remain angry that I am unable to manage MY account with MY crypto. I will hold these XXXX  responsible ( it is their incompetence ) if I lose money, be it due to an increase or decrease in the cryptos value. It has been 3 days already, and they have done nothing, no status update, nothing. As you know, time is of the essence when dealing with crypto currency investments This shady company is costing me money. I need to be able to manage my account and various investments. They don't care, they play games with our investments. Either ay, they will cause me to loose money such is the Crypto investment if you fail to keep up on it/unable to manage it. 

Please find out what is really going on with this company, because it is not right what they are doing to many many accounts. 

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

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, XXXX / Experian / XXXX has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX : XXXX  : {$17000.00}. I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by CREDCO OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Student loan

OSLA ( XXXX ) keeps calling both my home phone # ( XXXX ) and my cell phone ( XXXX ) regarding student loans for my daughter. I have advised them on 4 separate occasions that my daughter is an adult and no longer lives at home, has not lived at home for more than 3 years, and can not be reached at either of these numbers. I have requested they remove my numbers but they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the state of Florida a collection agency can not charge interest on a debt without it clearly stating so in an original contract. I have sent several letters to IQ Data notifying that they are damaging my credit by charging very high rates of interest month over month then I noticed that they were stating that they were collecting a debt for XXXX XXXX XXXX XXXX so I thought that this maybe the result of identity theft. I contacted XXXX at XXXX who has notified me that the account actually belong to XXXX XXXX XXXX XXXX  I then advised her that the information sent to me does not match whats listed on my credit report and there is no clause stating they can charge me these high interest rates she the proceeded to hang up the phone on me. I called back in and spoke to XXXX XXXX and requested to speak to a supervisor and she advised they were all in a meeting and proceeded to transfer me to XXXX who proceeds to hang up on me every time I request pertinent information about the account which I feel is a violation of my rights. Today XX/XX/2021 I advised her I had a consultation with an attorney to confirm that under Florida debt collection practices if they are allowed to do what they have been doing i have not hired an attorney I just have had consult with one and she rudely told me to stop harassing IQ data and to have an attorney call them on my behalf and XXXX. I am under the impression that I am entitled to an accurate and fair credit reporting and I feel IQ Data is defaming my good name and credit profile. I would like for it to be noticed that the balance listed is inaccurately reporting, the name is inaccurate for the original creditor, and I am being charged an extremely high interest rate on this debt. Please see screen shot of balances reporting for the month of XXXX the same month the " validated the debt '' the balance is listed incorrectly due to constant interest being added.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I XXXX XXXX disputed Items in my equifax credit report, by certified mail # XXXX XXXX 2016, company -XXXX, account # XXXX XXXX, account # XXXX XXXX and XXXX XXXX documemts sent for proof of paid accounts XXXX XXXX 2016 sent credit report # XXXX.corrected the items.and put the Items back on the by XXXX XXXX 2016.with proof of paid accounts.please investigate this matter.if there is anything i need to do just ask.
Product: Credit reporting or other personal consumer reports

A victim of identity theft which resulted in several accounts attached to my social security number profile
Product: Debt collection

I requested debt validation on XX/XX/2022 and received delivery confirmation XX/XX/2022. As of XX/XX/2022, I have not received validation of the alleged debt. I have no knowledge of a contract with the company trying to collect. According to 15 USC 1692g 5 ( b ) ( also known as FDCPA 809 ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Credit reporting or other personal consumer reports

XXXX is reporting several accounts that are closed and showing potentially negative that are not. I've tried several times to remove the old information, and nothing has occurred, no changes have been made.
Product: Money transfer, virtual currency, or money service

It was not clear to consumers or customers to verify or funds to person before sending and sometimes money sent to wrong person and once delivered very hard to get funds back. Nothing was put in place to warn or confirm XXXX to sending money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after that Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00} ( XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX & XXXX XX/XX/XXXX
Product: Credit card

I contacted capital one XX/XX/year> to set up a payment plan due to financial hardships, I was only offered 3 months of no late fees or paying {$350.00} per month, neither of which where beneficial or affordable for me so I closed the account. I called back a month later to see if a different payment plan was available and they could not help me. They continue to charge over {$200.00} in interest every month. I have made small payments, but my account says that I have missed XXXX payments which is inaccurate, I have only missed XXXX  payment. This is negatively impacting my credit score.
Product: Vehicle loan or lease

The interest rate was set to high. I was paying over XXXX for a truck that was only worth maybe XXXX.
Product: Mortgage

I have two mortgages with Ocwen Servicing LLC. I place  one of the property on the market for sale in XX/XX/2016. It was discover my the buyer attorney that the title was not clear. I work to find out what the problem was. During this time I got behind in my monthly payments. The property been sold was multi-family and paid the mortgage for both properties. I contacted Ocwen ask that they investigate, they claim the title was clear. I send them documents from my research sure what they will do. This company has a bad history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX and XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX **Subject : Formal Dispute of Inaccurate Information on Credit Report - XXXX XXXX XXXX Dear Equifax Information Services , I am writing to dispute the following inaccurate items on my Equifax credit report : 1. **Auto Loan with XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Reported : XXXX. XXXX, 2024 - Balance : {$5600.00} - Status : Closed, In Repossession - Remarks : This account is inaccurately reported as derogatory with a repossession status. I do not have any association with this loan. 

2. **Credit Card with XXXXXXXX XXXX* - Reported : XXXX. XXXX, 2024 - Balance : {$530.00} - Status : Closed, Charged off as bad debt - Remarks : This account is erroneously reported as charged off. There is no record of my ownership or transactions related to this credit card. 

3. **Unauthorized Hard Inquiries** - Several unauthorized inquiries from institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, are listed on my report without my authorization or knowledge. 

Enclosed are copies of documents verifying my identity, including my driver 's license and a recent utility bill. According to Metro 2 guidelines and the FCRA, I request Equifax to investigate these discrepancies promptly and delete or correct the inaccurate information from my credit file. 

Please send me a written confirmation once the investigation is complete and the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The balance was around {$400.00} they want me to pay them around {$900.00}
Product: Checking or savings account

My XXXX siblings and I were the beneficiaries of my late father 's XXXX. He passed on XXXXWe all submitted the required paperwork in late XXXX. XXXX of my siblings received their portions weeks ago, while XXXX of us are still waiting. Last week, the contact from my banking branch said that the XXXX  department said that I had to submit additional cards. I did so. Today, my contact told me that my portion is subject to 10 % federal withholding. My siblings that received their checks were not subject to withholding. The delay in receiving my funds has resulted in my not being compensated for the potential lost interest.
Product: Credit reporting or other personal consumer reports

I have already disputed these items but the bureaus did not remove them, nor prove validation. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 1987, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter requesting investigations into the incorrect information that is showing on my credit report. I also requested an update to my fraud alert with the correct phone number. Two weeks later i received notification from the company saying that its complete because every item was not showing. When i check my most recent credit report directly from the company all the items remain in the same status and its still incorrect. The fraud alert was updated.
Product: Credit reporting or other personal consumer reports

This is my 3rd Request in investigating Late Payments for Experian. I have also requested my address to be updated. I have also call no answer. I have not received any updates. It has been more than 90 days.
Product: Mortgage

XXXX XXXX was debiting my checking account monthly for my mortgage payments. The servicer changed to XXXX XXXX   XX/XX/2018.Bayview didn't forward the several months of mortgage payments they had in their possessions to the new servicer XXXX XXXX . I spoke with Bayview several times to request payments be forwarded to XXXX. I have been unsuccessful getting this matter resolved their negligence has caused me to be delinquent on my mortgage and at risk of losing my home. Please assist me with this urgent matter. 


Thank You
Product: Vehicle loan or lease

I became a victim of an identity theft at one of the Authorized Lexus dealerships ( Lexus XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ). Unfortunately, neither claim to the Lexus Fraud Department, nor Police report I filed, helped me to resolve the situation. 
I found out that my former business partner forged my signature under the car lease agreement and put me as a co-signer for his car. Since we were in business together, he had the copies of my SSN and my driver 's license. 
He stopped making payments and in XX/XX/2019 I received a letter from Lexus, stating that I was financially responsible for such payments. I requested a Lease Agreement from Lexus and found my signature being forged. 
I was told by Lexus Fraud Department representative that due to the fact, that this deal was closed through some third party broker and the dealership had nothing to do with it, they couldn't further investigate this matter. The same they told to the police and the case was closed. 
I never agreed to be financially responsible for this car, I never provided Lexus with the originals of my documents, I never went to the dealership or met with a broker and I never signed this lease agreement.
Product: Credit card or prepaid card

I called Citi Financial for my XXXX Best Buy credit card to increase my limit an additional XXXX after doing so online requested me to call. I was told on the phone the number they have doesn't match XXXX and I need to call them. I advised that my phone number has been the same for years and the same one used when I first signed up for the account. I checked XXXX and they have the right phone number. I asked to speak to a supervisor and was hung up on. I called back and spoke to a supervisor and waited on hold over an hour after that to speak to someone in Consumer Protection. I advised I have an initial fraud warning with the bureau 's but all that needs to be done is my identify verified ( according to the XXXX XXXX ). They verified my identity by asking for a code that was texted to the number they said did not match. I was then transferred back to a representative to continue with the increase request. The increase request was again denied due to having a phone number that doesn't match and requested I contact XXXX after already having verified the number is right. I was explicitly told the second time that my credit is not being pulled which was incorrect as it was according to XXXX and the fact that Citi said the number did not match again. They claim this was done via the online request but was not given an opportunity to authorize any such credit inquiry. They are in violation of FCRA at this point.
Product: Checking or savings account

There was an account opened fraudulently at PNC that I have contacted the bank several times about and they refuse to help me with it. They won't put me in touch with the fraud department or send me any information. This account is now reporting as mishandled and has caused my accounts at other banks to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.