23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased warranty for a TV with Conn 's, I had the TV replaced but, was not notified that I needed to purchase a new warranty for the replacement TV. I was not notified until I tried to use the warranty for a 2nd time that my replacement TV was not covered. I received all sorts of different, conflicting information from the Conn 's representatives. Additionally, I found out that although I had supplied Conn 's with a copy of my renter 's insurance policy, they had not adjusted my account. I supplied Conn 's with proof of the confirmation sheet that their rep had provided to me and they still refuse to adjust my account. Finally, I spoke with a Conn 's rep on XXXX/XXXX/15 and authorized them to draft a payment from my checking account on XXXX/XXXX/15. Instead of drafting the payment on the correct date, they drafted the funds on XXXX/XXXX/15 and have failed to compensate me for their error. Conn 's has a pattern of dealing deceptively with me by failing to give me pertient information, refusing to adjust my account when I 've provided them with proof that they said they would, and by making unauthorized drafts from my checking account and refusing to compensate me.
Product: Student loan

XX/XX/XXXX, my wife and I made a XXXX dollar payment to Navient to completely pay off XXXX loan and pay parts of other loans. We just found out today, XX/XX/XXXX that Navient portioned that money as if it were to be paid as a monthly payment until XX/XX/XXXX. We have been paying interest on an already paid off loan plus XXXX others as if they were not paid. In addition to this, a surprise withdrawal from our bank account of XXXX dollars to Navient was assessed today. Navient has admitted the mistake but seemed to place the blame on an inexperienced customer representative who processed the payment. Nothing has been resolved yet, as no supervisor was willing to take the call from our last customer service rep, who is taking all of the brunt of our frustrations.
Product: Credit reporting or other personal consumer reports

I have not received physical mail during this or last month 's billing period. Also, the minimum monthly balance for XXXX was paid, but I received a notification that I didn't pay. This information needs to be more accurate with the credit reporting agencies. Lastly, I disapprove of any of these agencies using my personal information.
Product: Debt collection

The stuff they're suppose to to teach you in school, they don't. If they did then I would have known not to use a company called Acima Credit. I have a furniture lease for some cheap furniture that I regret getting. Long story short, I was forced to stop working the first week in XXXX. Before that week ended I called my bank to place a stop payment with Acima since I didn't have the money to pay for the furniture. With a stop payment in place, Acima still ran the charge through multiple times in different ways ultimately taking funds from my account. Funds that were needed to feed my XXXX kids. This company charged my card even with a stop payment in place. All the while without my authorization. I didn't speak to them the whole month of XXXX. Every time they charged a payment, I received a receipt and then a past due notice saying that I was still past due. Well in XXXX, Acima has taken money out of my account every Friday. That's up from every other Friday in XXXX. With no authorization from me, this company has interfered with how I feed my kids and my bill pay for my home bills. This company has been dead set on getting there payment all while still accessing past due charges for some cheap furniture. Next time, ( never ) my kids and I will just sit on the floor. These crocked finance companies suck taking advantage of the people barely making it out here. It should have been my choice to pay them or feed my kids. They forced my hand. Thank you reading my complaint.
Product: Checking or savings account

On XX/XX/year>, my partner and I ordered XXXX XXXX  from XXXX XXXX  XXXX in XXXX XXXX, South Carolina. He sent me the money and I ordered it on their website ( XXXX XXXX XXXXXXXX ). The total of the food came out to {$28.00}, I put in my Cash App debit card information and placed the order under my partner 's name and number, but as I clicked place order the website refreshed, leaving the items in the cart but taking the money for the order. We called the restaurant for clarification if they received the order but a female manager told us they didn't and to come in to show proof of payment. 
At the time the payment was pending so she said they couldn't help us since they haven't received it yet. I reordered the food using my XXXX XXXX XXXX XXXX XXXX debit card. The female manager gave us free drinks for the inconvenience making the total {$26.00}. On XX/XX/XXXX I checked my Cash App payment history to see if the payment was still pending but had been completed. On XX/XX/XXXX I called XXXXXXXX XXXX XXXX where a male manager asked me to send him a screenshot of the completed transaction and which website I used to place the order to validate its authenticity. He said the website was the official website but the screenshot of the payment looked " sketchy ''. He told me he couldn't find any record of the order and couldn't assist me, he recommended filing a dispute with the card company in an attempt to get my money back. 
After the call, I filed a dispute with Cash App with the reasoning being " Expented refund '', giving them a gist of the situation. On the XX/XX/XXXX, my dispute was denied. I called Cash App Support and they said they would investigate my case. On XX/XX/XXXX Cash App support sent me a letter telling me they were unable to provide any additional support. The same day I filed a 2nd dispute for the reason " Paid by other means ''. On XX/XX/XXXX they denied that dispute as well.
Product: Credit card or prepaid card

Bank of America has made it cumbersome to close my account. I called during business hours and they put me on a two hour waitlist that extended beyond working hours. Once I got an operator on the line, I was told that they don't have the capabilities to close the account and that I would need to place another call the day after. 

I shouldn't have burden put on me to close the account - they offer no way to do this in an easy fashion and it seems like they are using shady tactics to discourage people from closing their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( XXXX U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies 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: Debt collection

I did an online loan back in XXXX with speedy cash for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called XXXX XXXX XXXX XXXX located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too
Product: Credit reporting or other personal consumer reports

Equifax Original complaint XX/XX/2023 Case # XXXX Equifax responded XX/XX/2023 - Stated XXXX XXXX was deleted. However, still there according to MyFICO report dated XX/XX/2023. 
- Stated XXXX XXXX XXXXXXXX XXXX XXXX was updated. HOWEVER, THIS WAS PAID AND SHOULD SHOW ACCORDINGLY. PLEASE UPDATE OR DELETE. 
- Stated XXXX XXXX was deleted. DONE. THANK YOU. 
Stated XXXX XXXX modified. TRUE AND ACCURATE. THANK YOU.
Product: Vehicle loan or lease

I went to purchase a vehicle from XXXX and XXXX they ran my credit to multiple banks without my permission and then denied me the auto loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/TJX 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 SYNCB/CARE CREDIT 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 SYNCHRONY FINANCIAL ( Finance ) XXXXXXXX XXXX XXXX all reporting negative on my credit report
Product: Debt collection

My identity was used to open an account at XXXX XXXX. I informed XXXX XXXX that my information was misused and they still sold this debt to Cawley & Bergmann, LLC. This is illegal. It needs to stop. I researched the Federal Trade Commission and Fair Credit Reporting act. These practices violate the laws congress enacted to protect the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.XXXX  account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX  inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. Us Department of education/Aidvantage  accounts have been paid 4. XXXX XXXX  XXXX account number XXXX not my account 5. Late payments from XXXX XXXX account number XXXX XXXX 1. Inquiries XXXX XXXX XXXX  Inquiry date XXXX not my inquiry US Department of Education inquiry date XXXX not my inquiry 2. XXXX XXXX XXXX Account number XXXX not my account 3. Us Department of education/Aidvantage  accounts have been paid 4. late payments from XXXX XXXX account number XXXX XXXX 1. XXXX XXXX XXXX account number XXXX not my account 2. Us Department of education/Aidvantage accounts have been paid 3. late payments from XXXX XXXX  account number XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with ABLTY RECVRY plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$66.00}
Product: Credit card

I called customer service of my AT & T Universal Card, administrated by Citibank, because of late charge that was assessed on my account. I mailed my full payment of about {$78.00} a week in advance but because, I suppose, of XX/XX/XXXX holiday, it was processed the next day after due date. I was assessed a {$25.00} late fee and an interest on that {$78.00} balance. 

Yesterday, when I called I was placed on hold for about an hour or so, and then I gave up. 

Today, all their listed numbers for my credit card has a broken automated system that eveybody has to go through before being connected to a human. I tried them several time and they all promptly switched me to Spanish, that I do n't understand, and they hanged up. When I tried the general number listed for Citibank cards services, they made me listen for about five minutes of their irritating advertisements and then transfered me to a subscription line for a service I did n't want from which I could not back out. 

This was not the first time I had this kind of problem with Citibank. 

Altogether, I wasted over an hour without having a chance tomdispute my problem with someone.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding a critical issue concerning the compromise of my social security number, which has led to my identity being stolen in a data breach. To promptly address this matter, I have reported it to the FTC and filed complaints with reference numbers : XXXX, XXXX, and XXXX, all of which are enclosed with this letter. 
On XXXX XX/XX/XXXX at XXXX XXXX, I was alerted by XXXX via email that someone attempted to use my information to file a tax return on another account that I did not own. I have attached the email under the file name ( XXXX XXXX ). Immediately I called to find out more information. I spoke to XXXX XXXX at XXXX XXXX XXXX about the email and at XXXX XXXX  he informed me that I was a victim of tax-related identity theft. I have attached the email under the file name ( XXXX Email ). At XXXX XXXX, I was informed to obtain a PIN through the IRS. I have attached the email under the file name ( XXXX XXXX ). 
Even before this notice on XX/XX/XXXX, I received several identity alerts from XXXX  that were far between, along with alerts from XXXX that my passwords had been compromised. The most recent alert I received was on XX/XX/XXXX, alerting me that my data was found in XXXX different data leaks. I have attached the email under the file name ( XXXX XXXX ). 
On XX/XX/XXXX, I checked my credit for the first time. Surprisingly, I found many accounts that do not belong to me that were reported on my consumer credit report. On XX/XX/XXXX, I submitted a request to block the fraudulent information but did not include identification information or details of what occurred. I am submitting this report with all the information included.

Per 15 U.S.C. 1681c-2 ( c ) ( a ), I urge you, as a credit reporting agency, to immediately block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies act swiftly within four busines
s days upon receipt of a complaint containing the necessary information, which is disclosed below : 1. 
XXXX XXXX Opened XX/XX/XXXX Please block inaccurate fraudulent account 2. 
XXXX XXXX Opened XX/XX/XXXX Please block inaccurate fraudulent account 3. 
XXXX XXXX XXXX  Opened XX/XX/XXXX Please block inaccurate fraudulent account 4. 
XXXX Opened XX/XX/XXXX Please block inaccurate fraudulent account 5. 
XXXX XXXX XXXX XXXX account for XXXX XXXX card. Numbered 6 in list below. Opened XX/XX/XXXX. 
Please block inaccurate fraudulent account 6. 
XXXX  Opened XX/XX/XXXX Please block inaccurate fraudulent account 7. 
XXXX  Opened XX/XX/XXXX Please block inaccurate fraudulent account 8. 
XXXX  Opened XX/XX/XXXX Please block inaccurate fraudulent account 9. 
XXXX XXXX XXXX account opened XX/XX/XXXX Please block inaccurate fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Equifax asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the Equifax data breach and I want these accounts deleted immediately as they have cause me great stress.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX -Balance {$14000.0XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked if they would send me a copy of the original contract as well as original signature with my name signed by me. A full detail list of the payment on the account, and if there has been any insurance claim on this account. Also, to send my a chain of custody on the account.
Product: Student loan

A few years ago I was fooled into attending online classes from XXXX university. The classes were worthless and the credits were not able to be transferred to a local university I decided to transfer my degree to. I was under the impression that my loans were all federal, and all through XXXX. I recently had to file bankrupcty and I was aware that my federal student loans were not going to be discharged, and after I received my discharge papers I sat down to go through the mess of student loans. Now all my loans seem to be serviced by navient, including XXXX loan in particular that is a private loan for XXXX university. This loan in particular is listed as a private student loan from XXXX university. There was a lawsuit against the original servicing company and I have already filed for bankruptcy personally. I have spoken with representatives from navient and have repeatedly requested the promissory notes and loan documents but they refuse to provide them. They simply state they have my social security number and am liable for the debt. I was rather naive regarding attending XXXX university and at the time they had all the bells and whistles that made it look like they were going to be a fair and advantageous school to attend. I was sadly mistaken.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of XXXX, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquires need to be removed : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Debt collection

On XXXX, XXXX XXXX XXXX  contacted me at work on my work line. I informed them that I could not accept personal calls at work and gave them an alternative number. I received a second call on XX/XX/XXXX18, and a third on XX/XX/XXXX18. I have informed them that this is a business line and I am not to receive personal calls, yet they persisted with asking me for information despite my repeated warning that this was a corporate line. They kept saying " It will only take a moment of your time. ''
Product: Money transfer, virtual currency, or money service

Hi There, My Coinbase Pro account was compromised through CoinBase Pro API attack on XX/XX/2022. 

{$180000.00} in USD along with {$11000.00} in XXXX XXXX was drained ( wash or contra traded ) from my account. 

A total of {$190000.00} was " wash '' or " contra '' traded against another/other Coinbase account to drain my account. Wash trading is illegal, Coinbase allowed it to happen. 

This the {$190000.00} ( nearly {$200000.00} ) represents my life savings. Money saved over 20 years of sacrifices and savings. 

To execute this attack the attacker needs to have an account ( s ) on Coinbase to wash trade against my account, by forcing my account to Buy High and Sell low against trades to the attackers accounts, there by draining my account. 

This high frequency wash trading generated {$18000.00} in Trading Fee for Coinbase. 

Coinbase XXXX is supposed to be a custodian of our funds, especially $ XXXX Dollars, which should be safe guarded against fraudulent access and use. Coinbase is also supposed to carry insurance to safeguard and return illegally lost USD funds. 

Coinbase XXXX is also supposed to have safe guards against wash trading or contra trading. 
It did neither. In fact Coinbase XXXX made {$18000.00} facilitating another or other Coinbase accounts unauthorized access and trading from my account to drain my account balance. 

Coinbase is also supposed to have XXXX ( Know your customer ) on all of its customers. 
Coinbase know who executed this attack and who drained my account. 

At no point was my userID/Password or authentication compromised. My 3 Factor authentication was not compromised. No funds were directly withdrawn from my account or sent anywhere.

CoinBase has refused to share any details or restore my account to its status prior to the attack. 

Coinbase XXXX refused to let me sell the XXXX coin the attacker left in my account. Causing me great financial and mental anguish for a months. 

The case number with Coinbase is : Case # XXXX