23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted a large payment for my student loans on XX/XX/2023. I received an email stating the payment was posted. When I checked again on XX/XX/2023, I saw that a notification of " payment reversal '' and that the payment was never drawn from my bank account.
Product: Debt collection

My credit report showed a derogatory remark of about {$4000.00} to Cavalry Portfolio. When I called them on Friday XX/XX/XXXX they wouldn't discuss it with me. They said To call XXXX XXXX XXXX at XXXX, which I did. I was told it was from a credit card in XXXX that I am unaware of. I offered to give them {$1000.00} to get rid of it, but they declined. Since it was so old I said I would just wait until next year when it would drop off my report. 
Today XXXX called me and said that they would take {$2600.00} to settle the account. I explained that I can not do that. I am XXXX yrs old, retired on social security. I rent my apartment, own no property, and have only enough money in the bank to pay my livine expenses. He told me this was judgment and that it would stay on my report forever. This was the first I heard of this. He said I was served in XXXX, which is a lie. I think I was living in Arizona at that time when the original debt happened, though I don't remember it.
Product: Mortgage

XXXX XXXX XXXX sold my home mortgage loan to Carrington Mortgage Company. I have been a homeowner for 20 years and have never been late on a mortgage payment until Carrington Mortgage company took possession of our mortgage loan. I use and have used XXXX to pay my bills for the last 20 years. I schedule my payments and have never had an issue. I always take advantage of the grace period for our mortgage and pay by the XXXX of each month. If I scheduled a bill to pay through XXXX on a certain date, it is always paid on that date. I was scheduling my payments for my mortgage to pay on the XXXX. That was working fine, and then one month they claimed they did n't receive the payment on time and charged me a late fee. After that, I always scheduled it to pay at least 2 days before the XXXX. Now this month I scheduled the payment to pay on the XXXX, XXXX assures me it was mailed and delivered in ample time to arrive at the mortgage company by the XXXX. I checked my bank account and the payment had not cleared and I received a call from Carrington mortgage saying my payment was due. I went ahead and paid the mortgage again so as not to incur a late fee. I strongly believe Carrington mortgage is purposely holding checks from clients who choose to use the grace period and accounting for them after the grace period ends. I am a good customer and a reliable customer. Fortunately for me, I have the extra income to make that payment so as not to incur a late fee or have it affect my credit record. I believe their procedures need to be investigated. I think they are trying to take advantage of people who are opting to use the grace period and charging late fees. I do not believe XXXX to be at fault, I have never had this issue with XXXX in the past and would like to lodge a complaint against Carrington Mortgage for purposely holding payments from those who opt to use the grace period so as to be able to charge additional fees.
Product: Credit reporting or other personal consumer reports

Equifax dropped my credit score because of an increase on XXXX of my credit cards by XXXX points, the credit card was then paid off and they did not increase the points they deducted. I think they are still having glitches in their system. Also there is no way to advise them online, they only offer limited dispute features online. The phone representatives say there is nothing wrong. Writing them takes too long.
Product: Credit reporting or other personal consumer reports

I requested the purchase agreement to show This was not my debt They could not give it to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX has never responded to why my information was given to another collection company without consent as well as the collection company XXXX has failed to hold my personal information safe. Since XXXXXX/XX/XXXX2024 my information with my name and social security number has been affected. XXXX has never explained to me how this would be legal. Mind you that this has been past timely matter.
Product: Credit reporting

I have supplied the credit reporting Agency documentation from Police department and the Bank which I was victim of Identity Fraud. Proof was sent by certified mail, fax and email. 
XXXX first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department XXXX investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch.
Product: Credit reporting or other personal consumer reports

Evidence of the XXXXXXXX XXXX XXXX XXXX breach includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social Security XXXX XXXX addresses, and phone numbers, which were first reported to be sold by a cybercriminal known as " XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXXXXXX ) themselves, tracing the origin to a security incident in XX/XX/XXXX ; and reports from cybersecurity researchers identifying the leaked data on various underground marketplaces and forums. 
Key points about the breach : Data leaked : Full names, Social Security numbers, current and past addresses, phone numbers, and potentially dates of birth. 
Estimated affected individuals : Nearly XXXX XXXX people. 
XXXX group involved : " XXXX  '' When data first appeared on dark web : XX/XX/XXXX When breach was confirmed by XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently noticed Coinbase added support for XXXX tokens that are sent to Coinbase.com ( Exchange, non-custodial ) account wallets. In response, I tested sending XXXX XXXX XXXX ( XXXX ) tokens to my Coinbase exchange XXXX address. This transaction was successful, with the " Coinbase XXXX '' account moving the tokens and crediting them to my assets in the Coinbase exchange interface as expected ; giving me access to the value of these tokens. 

However, I'm concerned about previous XXXX tokens sent to the same address. On XX/XX/XXXX, the " Coinbase XXXX '' account removed these tokens, but they haven't been credited to my assets like the recent transaction. 

I asked Coinbase to please clarify whether these earlier tokens will eventually be credited? If not, I need to understand why this discrepancy occurred, especially as my XXXX address is non-custodial and my tokens are missing. 

Ill include a few of my account details and transaction signatures below : My Coinbase XXXX address to which the tokens were sent in both instances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX deposit to Coinbase XXXX address : XXXX Subsequent Coinbase initiated transfer of tokens to Coinbase XXXX account : XXXX Sum of what's missing/the value of the tokens Coinbase seized without permission : XXXX MOBILE tokens, or around {$790.00}. 

Coinbase support lacks the technical knowledge and attention to detail to be able to even start addressing my concerns, and there's little to no higher technical support or escalations that can address the funds stolen from my account by the exchange itself. The whole thing reads as them just taking my funds because they could and justifying it by claiming that their previous moving of my funds without permission was somehow a technical glitch when it is fully a conscious decision on their organization 's part as to how to move my cash. 

Thank you for your prompt attention to this matter and for looking into this complaint for me. 

Best, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/20 an XXXX was sent to the account in the amount of {$89.00} and didn't display until XX/XX/20. This caused a double payment to be made on XX/XX/20. This was resolved with the merchant and Bank of America was informed of the pending return. Dispite this mistake the account displayed positive {$27.00} through to XX/XX/20, which was when I discovered the error and contacted the merchant. At the same time, and most crucially, a payment of {$140.00} finished processing from the day before. The next day on XX/XX/20 the account received a fee of {$35.00} post-dated for the XXXX that the completed payment was going to be returned because pending transactions, including the disputed {$89.00}, had overdrafted the account. I informed the bank of the discrepancy and was informed that they would be returning the fee because of the error ( the check or returning a payment on a positive account ). After the weekend ended I inquired about when the returns would be made as, because of new transactions for less than the returning amount, they were still overdrawing the account even factoring in deposits made to the account and the pending return. I was informed that they would not return the money until the next day, overdraft fees would still be assessed, and that now the return of the fee for account errors was being denied ( and now all responsibility was soundly not theirs so the promised return was based only on a whimsical " relationship voucher '' that I apparently no longer qualified for ). 

So I'm making the complaint for the mismanagement of the account, the fraudulent fee, and and future fees assessed on the account because the returns aren't being made on a timely manner. 

I'd also like to note that this is NOT the first time I've had to report this bank for mismanagement of my account and the payment being returned is the third time my bank has specifically targeted payments from that merchant, another bank, causing the account to go into collections on XX/XX/20 because of returned payments.
Product: Debt collection

THE COMPANY HAD A COLLTION PUT THE DEBIT ON MY CREDIT
Product: Credit reporting

I am filing a complaint in reference to a dispute for accounts that are being reported incorrectly on my credit report XXXX XXXX who holds accounts for XXXX XXXX XXXX. The have continously ignored my request to conduct a proper investigation and report the correct account information. They have not provided me with the documents that their company have on file that was used to verify the accounts. I have sent numerous letters requesting these documents that they have yet to send. Ive contacted to original creditor and they couldnt even send me any information so how did the credit bureau very this? Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are requested to " promptly delete all information which can not be verified '' that I sent correspondence on. I would like this matter resolved as soon as possible. This is really disrupting my livelihood the blatent disregard to send me the information requested and verify this account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a payment extension, for XX/XX/XXXX and XX/XX/XXXX and they granted. It shows XX/XX/2018 30 days past Due. When I was under the extension for those months. XX/XX/XXXX, XX/XX/XXXX. And pay in XX/XX/2018, which I paid, and also paid XXXX for the extension. Please I need your help.I would really appreciated. I need that past due to remove. It shows in the others credit bureau. Thankyou.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date XXXX XX/XX/2020 ; XXXX XXXX  Inquiry Date : XX/XX/2020 ; XXXX  XXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date : XX/XX/2020 ; XXXX Inquiry Date : XX/XX/2020 ; XXXX XXXX Inquiry Date : XX/XX/2020
Product: Credit card or prepaid card

2023 XX/XX/2023 Case Number : XXXX XXXX XXXX I am writing to file a complaint against [ Capital One Bank ] for [ denying and refusing to credit back to my account {$840.00} for a defective/ faulty piece of equipment/malfunctioning machine that I purchased from The Merchant name is XXXX. We purchased this piece of equipment from their companys website XXXX XXXX XXXX XXXX. Order Number : XXXX dated ( XX/XX/2023 ) and received it on XX/XX/2023, however, this order ( which is Order Number : XXXX ) contained a malfunctioning machine / defective equipment on my Capital One credit card Capital One Account # XXXX. I notified the merchant first about the problem with the equipment and they in turn requested pictures of the machine when it would malfunction and stop working. I provided the information that they requested of me. They went as far as even suggesting that I try to find any repair point locally and they would bear the repair cost, in addition to offering a partially refunded to be in in the amount of {$250.00} as compensation for me to try to keep it. I should not have to pay that much money for something and then have to search for someone to make repairs to it before it is able to operate. I am willing to return this piece of equipment back to them if they would send me the requested material ( the return slip ) which is needed to return the machine, Again I do not think that I should or am obligated to have to pay for something that was/is non-operational when I received it and does not work I next notified my credit card company about this problem. They had at first refunded my account back the {$840.00} the amount I am disputing, which I had already paid but then they took it back off and reapply the charge back to my account stating that the charge would appear on my next one to two billing statements because the XXXX disputed my claim At that time, they considered my case closed. 
and If I wanted to continue with this dispute, They requested a signed and dated letter that included my case number, the merchant 's name, the date of the transaction, and the disputed amount by XX/XX/2023. along with all of the correspondence describing the problem I had experienced and copies of all relevant documents that support my claim, which I have provided them with all of this information. I was instructed to fax the requested information to XXXX XXXX and allow 10 business days for THEM to respond This has been going on since or first started XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

XXXX failured to properly investigate disputes and reinsert inaccurate or unverifiable information onto my credit report, which violates the Fair Credit Reporting Act ( FCRA ). This issue has caused undue harm to my financial well-being and creditworthiness. 
Despite my repeated efforts to dispute the following inaccurate or unverifiable accounts, XXXX has failed to conduct a reasonable investigation and has improperly reinserted negative information into my credit report : The following accounts have been presented on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> and have not been properly verified or provided proof as requested so deletion is required XXXX XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating : " % { previous_reason } '' I don't agree with the results of your investigation. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX  XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating : " % { previous_reason } '' I don't agree with the results of your investigation. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating : " % { previous_reason } '' I don't agree with the results of your investigation. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Mortgage

Due to health issues stemming from XXXX and confusion regarding our previous mortgage lender changing to another we thought our payments were being automatically being made. This was not the case and we fell behind on our payments. We called and spoke to the company who instructed us to start making payments via mail. We did that and a few months later the checks were returned and our house was put up for auction. 
The XXXX and XXXX led me to have a XXXX XXXX. We seek compensation for Ditech/Greentree for foreclosing on our home despite our compliance with their instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an inquiry because you guys put it on my credit report without my consent. I need these item removed. I have already made a police report that follows this. I did not approve, sign or authorize this.
Product: Checking or savings account

NOT HANDLED., NOT RESOLVED, JUST IGNORED ME. IM NOT BACKING DOWN The company has responded that it is still working on your issue.

We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days.

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX I HAVE LEFT NUMEROUS CALLS FOR THEM AND THEY WILL NOT ANSWER THE PHONE NOR CALL ME BACK. I GOT NO RESOLVE ON THIS AND IM SICK N TIRED OF THE POOR TREATMENT AGE DISCRIMINATION I was never notified by bank of America of the data breach from XX/XX/XXXX. My debit card XXXX was hacked XX/XX/XXXX. Bank Close debit card representative hung up on me. Called back had to enter a Different debit card number XXXX to get through. Explained to the representative what had just happened. He proceeded with more information and to get me out my new card. However he also closed the card ending XXXX in error. I get my 2 new cards out in the mail.A few days later with the wrong name on them. I get the replacement cards a few days later corrected. On XX/XX/XXXX My bank of America credit card limit was drastically reduced, No warning no ladder putting me over my limit impacting my credit. I have never been late one single day on this credit card.I have been a customer of this bank since XXXX that is 44 years! .I retired from BOA.. I do believe the two incidences had something to do with each other. I feel like. Due to the data breach they went in and lowered my credit limit on my credit card to minimize their risk, Also, noting.I was a XXXX XXXX and I feel age discrimination also came in to play With this decision. Multiple conversations phone calls.Letters emails went back to them. I got some lame response from a customer service representative today. With a generic reason they lowered my credit limit on my credit card. I did advise of my concerns. Which fell on deaf ears. I was not advised of the data breach Until I heard it from someone else. I'm questioning the integrity of this decision. I think they have filled me as a consumer but not notifying me Of said breach. This is calls me undue stress anxiety and a missed day of work after my card was declined at a store, Knowing I had just paid over a XXXX dollars on the credit card. Concerned about using the debit cards due to the data breach. But it seems they don't want to be held accountable for this action. This is not based on any credit history. I currently have I immediately pulled my credit report and there is nothing there to warrant this action as a XXXX  year. Customer with no issues. Use with this bank deposit. XXXX XXXX XXXX XXXX XXXX, only they're dishonesty. Or miss information and neglect and notifying me that they breached my information XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I tried to pull my annual credit report for 3 consecutive weeks and i get an error message stating : Unable to complete your request online. 
Unfortunately your request can not be fulfilled online at this time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  # XXXX ; Account Name : XXXX XXXX  XXXX ; Account Name : XXXX XXXX # XXXX, 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.