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

Coinbase locked me out of my account. I have {$280.00} of my own money stuck in the account. They have restricted my account and have not allowed me to make or withdraw payments to the account. I have tried contacting the merchant many times without any success at all. Bots are used by Coinbase to relay the same script. There are no customer service representatives to speak to. This issue has happened to thousands of Americans with much higher currency lost/restricted on Coinbase.! Payment Required issue, after many attempts of making such payments with well funded accounts from my financial instututions and denied I have had more than enough with dealing with this. Please investigate and escalate to maximum attention by US federal government regulations. Please remove Coinbase from United States grounds. If need be, FBI investigations for Coinbase please. I regret to ever conduct business with such entity, Coinbase. Feel free to use this or my information to escalate dispute. I can provide all statements of transactions from my financial institution which are attached below of timeframe of such event.
Product: Student loan

My complaint is in regards to Navient. A check for {$160.00} is sent in every month, and I make the remainder of the payment at the beginning of the month as well. Navient misapplied my payment, when I sent an email on XX/XX/2019 to please apply the payment correctly to the remaining monthly balance I got an email back saying it would be completed. I get online today XX/XX/2019 and out of the {$69.00} that was paid online only {$25.00} was applied saying with a remaining balance showing owed. When I called in at XXXX the representative couldn't tell me where the remaining {$43.00} was and why it wasn't applied. Then the rep tells me that the account will not be updated until after the billing cycle on XX/XX/XXXX which is after my payments are due. I also received and email stating that I still needed to make my payment. The rep refused to transfer me to get the payment applied to show I do not owe money and so I won't receive any more emails saying I owe money which I do not. Now I have been sitting on hold for over 25 minutes. The rep on the phone will not speak or answer anymore questions and will only say that they can not help me anymore.
Product: Credit reporting or other personal consumer reports

CapitalOne did a hard inquiry on my credit without my consent. Can you please remove this off my credit report immediately. Thank you. 
XX/XX/year> Application ID : XXXX Creditor : Capital One XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I initiated a withdrawal of {$12000.00} from my account at Coinbase.com to my domestic checking account. 
I selected the " XXXX XXXX out '' method which says " free '' on the web page ( see screenshot ). However, I was charged {$210.00} " banking fee '' for this withdrawal transaction. 
I contacted Coinbase 's support immediately ( XX/XX/XXXX  ), but the company rep claimed that the withdrawal is not actually " free '' and refused to refund the {$210.00} " banking fee ''. 
Here are the facts : 1. The website clearly listed both " XXXX XXXX out '' and " standard cash out '' as " free ''. 
2. There is no " banking fee '' mentioned in the company 's fee disclosure 3. The company rep said that she doesn't know how it is calculated, or where to look it up when asked. The only way is to know is review one of the popup during the process. 
4. The company rep said that the website shows it's " free '' because the user has not entered the amount. This is very misleading, as not being able to calculate the fee is fundamentally different from being free. During the call, I asked the company rep, whether it is possible to use XXXX XXXX out for free, for any amount. She said no, which is a proof that this method is never free. 
5. When I initiate the withdrawal, I clicked on the " XXXX XXXX out '' option, which says free, before entering the amount, during which I was not aware that it is not free and was misled into paying the fee. 
6. The hidden fee of {$210.00} is also over-charging a domestic transfer, considering the ACH transfer is usually free.
Product: Credit card

On XX/XX/year> I requested Barclays to close the account. I lost my hearing on XX/XX/year> and the card is a reward card for XXXX XXXX, which with my hearing lost I will not be traveling anytime in the near future. They either ignore my request or refuse to act on it until the annual membership was due of {$99.00}. I disputed the charge and now they are telling me since it is an annual membership fee and they can disputed/waived, but I had requested the card to be closed on XX/XX/year> and they did not act on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Dispute was submitted XX/XX/2021 for XXXX XXXX in the amount of {$3000.00} according to 18 USC 8, was then " verified '' XX/XX/2021 without providing notice or documentation used to " verify '' said debt. Transunion is also violating my consumer right to privacy according to 15 USC 1681b2 & 15 USC 1681 4. This should be promptly removed considering 15 USC 1681I 5ai : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Payday loan, title loan, or personal loan

My complaint is that i owe XXXX XXXX money from a loan that i refinanced. I was late on a payment and they contacted me and i explained .the reason for me being late .i ask if i could work something out with them about the payments. A lady named XXXX said yea sure i just need to get a full payment now. I said thats the problem i cant pay a full payment now. So i told her i will try my best to pay it by friday. She called me friday and ask if i was going to pay. I told her i still cant pay full amount. She got rude and told me i owe the money so pay it. The following monday they contacted my employer asking to speak to me. Concerning a debt. I owe. I was brought in to the office embarrassed. And was ask to contact XXXX XXXX about my debt. And was told not to let a debt collocter call about my finances. Ive tryed to work this out with them cause i do owe the money but they shouldn't use low embarrassing tactics to get me to pay them.
Product: Checking or savings account

On XX/XX/XXXX, I opened up a business checking account at Wells Fargo in branch with a business banker. There was a promotional offer for a {$500.00} bonus after meeting a few requirements. These requirements included depositing at least {$2000.00} within 10 days of opening the account, having a minimum {$2000.00} balance on day 60 after opening the account, and posting 5 transactions by day 60. The banker gave me a statement showing that the new account was opened with the promotional offer attached, and the minimum {$2000.00} was transfered into the account on XX/XX/XXXX. I met all the requirements on day 60 ( XX/XX/XXXX ) and then waited for the {$500.00} bonus to post to my account. After several days, I messaged Wells Fargo inquiring about the bonus, and they replied that it will post within 30 days after meeting the requirements, which is correct per their terms in the offer and should have been executed by XX/XX/XXXX. I then inquired again, and they replied back that it will now post within 45 days ( XX/XX/XXXX ) from meeting the requirements, which is already against their own terms & conditions. On XX/XX/XXXX, I went into the Wells Fargo branch and met with the same banker I opened the account with. He went through my transaction history and confirmed that I met all the requirements and then spoke on the phone with the back office where they stated that my initial deposit was invalid. The banker then proceeded to escalate the issue and said that he would get back to me in a few days. I also then inquired Wells Fargo through their online system, and their online customer service was now saying that the account was never opened with the promotional offer. I have a paper statement showing that the account was indeed opened with the promotional offer, and I also inquired with my banker again, and he confirmed too that the account was opened properly. Messaging with other representatives, they were all coming up with various different and contradicting reasons on why the bonus had not posted and Wells Fargo seems to be dragging their feet on the issue. After day 45 from meeting the requirements, the {$500.00} bonus still has not posted, and I feel incredibly deceived by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy AZ XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

NCA appears as a creditor on my credit report and I have no knowledge of this account. I disputed through XXXX XXXX  but no changes were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO EXPERIAN XXXX, ID FOR COMPLAINT SENT TO TRANSUNION XXXX, ID FOR COMPLAINT SENT TO XXXX XXXX. 
The results that came back was that the following addresses were going to be removed : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Mortgage

Chase is cold calling me trying to get me to refinance or to open a mortgage with them. I do not have a mortgage with them but I do have several credit cards. 

I had told them I never agreed to marketing calls. They tried to flip it and tell me they were calling me to " provide assistance ''. I told them how is " providing me with assistance '' if I don't own the product and this was a blatant sales call they were attempting to reframe as " customer assistance ''. 

There was nothing to assist me with. My preferences on their site state specifically I do not want this kind of engagement. 

I reminded the lady there is a {$500.00} fine for each of these kinds of calls and she quickly got off the line.
Product: Credit card or prepaid card

This is a letter that I sent to Citi on XX/XX/2023 following a call with a Supervisor in their XXXX Department. 

Background : Citi advised that their denial was solely based on the fact that I had charges before and after XX/XX/2023. They admitted that they never spoke with the vendor XXXX as indicated on my statement. I continue to state that I did not authorize this charge and have never utilized XXXX services. Then on a follow call, Citi verbally agreed to reverse their decision and credit me for the charge. The Supervisor acknowledged she could see my call earlier, but would not agree to review/honor the prior Citi employees finding to credit me the charge. not Citi has again continued to provide unacceptable customer service. 
*******Letter to Citi***** I am very disappointed to learn that Citi will not honor their verbal decision given to me today at approximately XXXX XXXX  by the Citi Dispute Team to reverse a dispute decision and to credit me for an unauthorized charge on XX/XX/2023 in the amount of {$440.00}. The Citi Representative further said that I would receive a credit in 7-10 days along with an email to confirm this event. Can Citi pull up this recorded call to confirm? 

As I did not receive an email, three hours later at XXXX today ( XX/XX/2023 ), I called Citi to verify that the credit was in process. I spoke with a Supervisor by the name XXXX in the XXXX Security Center who confirmed the XXXX took place but advised that the dispute reversal/credit was NOT approved! 

Per XXXX request for additional information, below is a text from the vendor XXXX indicating that they could not find a charge from me on the card # above. ( This card was replaced following my initial call to dispute the charge ). 

Further, as I have stated, I did not use this card with XXXX or any similar applications so the tap authorization was NOT by me. 

I hereby claim that I did not authorize this charge and again request a credit from Citi especially in light of the fact that Citis website advertises that I am not liable for unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCBXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  aXXXX SYNCBXXXX XXXX  with no successful resolution.XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Debt collection

I have paid all Alliance One debts in full. This company is state ran and in no way do they want to let the debtor off the hook. I set up a payment plan ten years ago paying XXXX per month. Ten years later I 'm notified my balance is XXXX but the start ball was XXXX? After ten years payments well then I 'm told that the payment plan set up by alliance one was not even covering the intrest so my balance grew each month for ten years!!!! I have tried to settle this debt with no luck. Last month I paid almost XXXX to remove these derogatory remarks from my credit history. Almost a month later nothing has been removed. Please help me fix this bad debt collector from my credit. I always pay on time and always take responsibility for my debts. I am XXXX wanting to buy my first home. I have almost XXXX in cash but because of these bad remarks no lender will touch me. Help please I want to give my family a home. 
XXXX XXXX
Product: Vehicle loan or lease

What happened : I paid off my Bank of America auto loan in full on XX/XX/XXXX. Under California XXXX XXXX XXXX, the lienholder is required to electronically release the lien to the XXXX within XXXX business days of payoff. As of XX/XX/XXXX, over 8 months later, the XXXX is still not cleared and I have not received an original XXXX release letter. 

Because of this, I am unable to obtain legal title from the XXXX  XXXX, which is interfering with my ability to transfer ownership of the vehicle. 

Attempts to Resolve : I contacted Bank of America multiple times through customer service and escalated the issue repeatedly. 

I spent hours on calls over several days and referenced case numbers : XXXX XXXX Bank of America XXXX : Refused to provide written confirmation that the XXXX release would be sent Refused to overnight the release letter, even after 9 months of delay, until I offered to pay for it personally A representative who said he's " the only XXXX '' refused to escalate the issue further or offer a solution and pressured me to end the call I submitted a formal escalation email to XXXX ( XXXX Customer Relations ) with full documentation. As of the time of this filing, I have not received a resolution. 

Requested Resolution : Immediate delivery of an original XXXX release letter from Bank of America XXXX that the XXXX was released in thXXXX XXXX XXXX XXXXny necessary documentation to allow the XXXX to issue the vehicle title Compensation for the extended delay and time spent attempting to resolve this issue Impact : This issue has caused : Repeated XXXX rejections XXXX hours lost this week Inability to transfer or title the vehicle Stress and disruption due to XXXX  XXXX XXXX XXXX with state law Company Response Expectations : Bank of America has been unresponsive to all reasonable efforts to resolve this issue directly. I am requesting that the CFPB hold them accountable for failing to release a lien in accordance with federal and state law, and help facilitate a timely and documented resolution.
Product: Credit card or prepaid card

This is the bank that provides the XXXX credit card. On XX/XX/XXXX, Comenity 's processing center received a check from me for {$29.00} the payment of my account in full, along with a request to close my account immediately. I know this to be the case because my bank had a note in my account that a payment was being processed on XX/XX/XXXX. For some reason, this payment did not post in the system until XX/XX/XXXX due to the national holiday. Subsequently, I received a letter from Comenity Bank acknowledging receipt of this amount and the closing of my account with a {$0.00} balance. Several weeks later I received another bill for this account charging a late fee of {$25.00} and interest of {$2.00}. When I called to find out what was going on and why a fraudulent amount had been charged to my account I was told that because the system had not credited the amount to my account on the XX/XX/XXXX or XX/XX/XXXX,  that they were counting it as late and had fraudulently reopened the account and charged me with two late fees plus interest. Be noted that I am filing a complaint against the bank with the Better Business Bureau because I find the actions of the bank and its personnel both unethical and fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Experian is reporting a charge-off for an account listed as " XXXX XXXX '' with the account number XXXX. This reporting is not only incorrect but also violates the consumer protections outlined in the FCRA. 
Specifically, a charge-off can not be reported on a monthly basis after the initial charge-off event. The continued reporting of this charge-off as though it is recurring creates an inaccurate and misleading depiction of my creditworthiness. This is a clear violation of the FCRAs provision requiring accurate and complete information in consumer reports. 
Under 15 U.S.C. 1681e ( b ), Experian is obligated to maintain and report accurate information. The continued reporting of this charge-off beyond the permissible bounds of accuracy constitutes non-compliance with federal law. I demand that this account and the associated charge-off entry be permanently removed from my credit report within four ( 4 ) days of your receipt of this letter.

Should you fail to act promptly, I reserve the right to pursue legal action under the FCRA for damages caused by this inaccurate reporting. Consumers are entitled to statutory damages of up to {$1000.00} per violation, along with actual damages, court costs, and attorneys fees as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.

This matter requires your immediate attention. Please confirm in writing that this account and its associated charge-off have been permanently removed from my credit report. You may send your response to the address listed above or via email at [ Your Email Address ]. 
Failure to comply with this request will leave me no choice but to escalate this matter through legal channels and file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 
Thank you for your prompt cooperation.
Product: Credit reporting or other personal consumer reports

I reviewed my credit profile on XX/XX/year> and I noticed inquiries I do not recognize. I also noticed personal information that doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 the loan balance on my XXXX   mortgage account is incorrect and not reflected correctly in any of the credit bureaus, XXXX, Transunion or XXXX.
Product: Credit reporting

Credit bureau is reporting inaccurate information to credit file, I have no accounts or contract with creditors. In addition unauthorized inquiries were listed. 
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 Acct # XXXX XXXX XXXXAcct # XXXX XXXX-Acct # XXXX I have asked for proof of Id of person who open the accounts as well as other identifiable information
Product: Bank account or service

I bank with Eastwest bank in XXXX XXXX area. They hold my payroll check for two business day and everytime I explained to them it is my payroll check ( computer generated with paystub ) Eastwest bank ( serving majority of XXXX customers ) Eastwest bank still hold for two business day, treating me as new immigrants. 
Many times my checking account was insufficient fund for less than {$15.00} dollars, they inform me the situation by phone. The second I learn the news, I rush to the bank in less than 30 minutes and make a deposit in order for me to avoid a bounced check. But Eastwest bank still charge me {$30.00} for it. It have happened so many times.I do n't understand why Eastwest bank inform me and charge me $ XXXXdollars, every time I take one hour off my work with no pay to rush to Eastwest bank to make {$20.00} deposit and be charged for {$30.00} dollars. I prefer they charge me {$30.00} and do n't inform me my fund is insufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Mortgage

In late XX/XX/2018 US Bank sent me an escrow overage check for {$4300.00}, then raised my payment {$43.00} from {$3500.00} to {$3500.00}. On XXXX I sent US Bank a check for {$530.00} with instruction ( attached ) to deposit to my escrow to cover anticipated increases in taxes or insurance. In XX/XX/2018 I received a letter ( attached ) from US Bank acknowledging the deposit to escrow but ignoring my request to return my payment to the former amount. I also received a monthly billing statement for Total Amount Due {$3500.00}. I then called US Bank and asked them to take another look at my letter which they admitted was scanned into their computer and reduce my payment to the former auto debit amount of {$3500.00}. I continue to get monthly statements for the Total Amount Due {$3500.00}, the latest due for XXXX. They have again ignored my requests.