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

In XXXX, I purchased a dishwasher online from Lowe 's, The company was running a promotion for their credit card and offered a {$100.00} discount if a major purchase was made using their card, I applied for the card and was accepted and used this card for my purchase. The dishwasher was delivered and installed in our home. We paid for the dishwasher and installation by debit card from our bank for the full amount. 

A month later we started being billed for another dishwasher,. I contacted the credit card company which is run by Synchrony Bank. I filled a fraud report and they found in our favor and issued a charge back. This was sent back to Lowe 's and they turned it down and continued charging us. I have spent the last year arguing with clerks at the company and made no progress. They have no proof of this additional purchase. They claim I picked up the dishwasher at the store. I am XXXX XXXX XXXX and it is ridiculous to even think that I did this.. 

My wife and I are not thieves or con-men. They say now we owe over {$1000.00}. Any help you can give us would be greatly appreciated.
Product: Credit card

I am requesting that Genesis FS Card Services immediately close my Milestone Mastercard Credit Card Account # : XXXX. I dont want the Milestone Mastercard Credit Card Account XXXX I want my Milestone Mastercard Credit Card immediately closed and I want Genesis FS Card Services to delete and remove my personal information from their records database and send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the Milestone Mastercard Credit Card Account from my XXXX XXXX, XXXX and XXXX credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX
Product: Checking or savings account

Hello, Citibank closed my account back in XXXX of XXXX by stating security reason. When my account was closed, I had USD XXXX in the account. Bank only refunded XXXX via check. After multiple requests I received the letter saying that bank will issue 2nd check in amount of USD XXXX however the 2nd check never arrived. I called many times at the bank to obtain tracking number but they did not provided that. I would like tracking number for the check the bank is stating that they issue. On XX/XX/XXXX bank said that they issue check for XXXX but I did not receive anything yet. 

In addition to that bank never answered on how to get remaining fund of USD XXXX. That fund was deposited by my employer via direct deposit so I would like Citibank to send that money back to employer so my employer can reissue the check. I have talked to my employer multiple times as well but they are waiting on bank to release the fund back to employer ( XXXX ). My employer is not able to reiisue the direct deposite until bank releases the money. 

I tried calling bank more than 25 times but no resolution. 

This issue is going over 120 days without any explanation Citibank has been holding ( stealing ) my money. 
Please help
Product: Checking or savings account

XX/XX/2023 I went to an atm in my banks network, ATM Terminal XXXX at XXXX to withdraw {$400.00} and the atm did not dispense the money. However, it did take the money out of my account. I called my bank and was told to get ahold of the number that was on the atm. I called the XXXX XXXX number located on the machine and was told that I needed to call my bank again to file a dispute. I called my bank once again to file a dispute and a few days later, the dispute was denied because they found no fault and that I had received the money, when I in fact, had not received it. I have since filed 6 rebuttals on the denied dispute claim in order to receive my money and have not been successful. I have also gotten ahold of the bank who owns that atm, to have a work order put in to review the cameras and what not, but have still not been successful. It has now been an entire month since this has happened and I still have not seen my {$400.00}. This has put a damper on my bill paying schedule and am getting very frustrated with the whole situation.
Product: Credit reporting

U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX 5864Acceptance XXXX XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/2015RE : Acceptance Now - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX****You are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions :
Product: Credit reporting or other personal consumer reports

FCRA 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as XXXX, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. On XX/XX/24 Per XXXX ID XXXX XXXX stated XXXX  XXXX customer service never received Disputes from the the CRA XXXX Transunion and XXXX and I would need to request all updates in writing I explained that the CFPB submitted my complaint to all three CRA XXXX XXXX XXXX stated again no documents has been submitted to XXXX  XXXX to address this issues. XXXX stated last updated was in XXXX from all three CRA. However I'm not understanding how the CRA are verified disputes as updated or Accurate when customers service agent such As XXXX cant located the disputes at the following stated no documents has been submitted.Im requesting an investigation into the CRA disputes process by the CFPB and requesting updates in 30 day in writing to this consumer. Im requesting delete of my account charge off and will be filing complaint with the State Attorney Office and FTC which clearly shows the CRA are not investigating Dispute according with FCRA Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 at XXXX XXXX, I transferred XXXX XLM from my Blockchain account to my coinbase account. I didn't add a memo due to it being labelled ( optional ) but realized it was needed when I sent the money over. I contacted coinbase and they said they would resolve this issue and have my money in my account within 5-7 business days. It is now XX/XX/XXXX and still no reply or money added to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best buy MasterCard closed by me 2007, After card closed I was billed annual fee for several years unknown to me totalling {$290.00}. I have called, faxed in my ID & SS to Nevada and nothing helps correct situation. They post on my credit report every month delinquent. Very frustrated Please help
Product: Payday loan, title loan, or personal loan

My name is  XXXX   XXXX   XXXX  and I applied for a loan on  XXXX   XXXX  with LENDING CLUB CORPORATION. After having a dispute over my monthly payments I defaulted on the loan.     I launched an  XXXX  dispute which I 'll include, since I was confused about my actual balance According to my credit report lending club reported  XXXX  on  XXXX   XXXX  as my CHARGED OFF balance. Since then I contacted This company on  XXXX / XXXX / XXXX  and they provided me with a charged off amount of {$5300.00}. So clearly my balance was adjusted even though I did not make any payments during that period.     NOW, my real issue is my current balance as of  XXXX / XXXX / XXXX  is {$4700.00}, with a past due amount of {$780.00} and every time I call, this lender will give me fluctuating balances.     I made  3  payments in  XXXX  and requested a monthly statement they expressed no monthly statements are provided on a Charged off loan. I refused to make anymore payments until I received an accurate amount but again this is hurting my credit even more.     Can you help me request monthly statements from this lender. Then an updated amount as payments are received would also be nice. I feel like I 'm being robbed based on their unfair practices and they refuse to creat e paper trail.    Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT MY ADDRESS THIS ADDRESS IS INCORRECT AND FRAUD XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Money transfer, virtual currency, or money service

I was approached by Human Resources Specialist, XXXX XXXX XXXX via XXXX on XX/XX/2021 in reference to a graphic designer opening for the company XXXX. I was instructed to communicate with Senior Recruiter, XXXX XXXX. I filled out a virtual screening questionnaire and returned it via email. On the XXXX, I was given the job opportunity for a remote graphic designer. I received an employment offer letter and duties of the position. XXXX XXXX XXXX Manager, XXXX XXXX, sent the letter and addressed on how to continue on : pertaining to procurement of office supplies and how to begin working. The employee letter was signed and returned. Stack stated that as soon as the office supplies are under my possession, training will begin. She instructed me that a certified mobile check will be sent to me to acquire the office supplies. " The Finance Department will contact you via text message to walk you through the next steps in the check payment process '', XXXX emailed. I let her know that I was contacted via text and sent the mobile check and instructed on how to move forward. I was sent the account number and name of the vendor. XXXX  emailed me that the supplies will be delivered XX/XX/2021 to my address. I was in text communication with XXXX XXXX from XXXX XXXX. He asked me to confirm who I was and my address. I was instructed to get a cashier 's check for their account. I was also contacted by XXXX XXXX, account department for XXXX. He communicated with me through the vendors interaction. I deposited the mobile check into my account, waited a few days to ensure the check cleared into my bank... which it did. I moved forward and made the cashier 's check to the vendor, XXXX XXXX at XXXX Bank. On XX/XX/2021, XXXX, I received a notification from my bank, Suntrust now Truist, that it bounced and I was negative {$4900.00} plus return fees. I immediately spoke to my bank and they told me that there is nothing they can do and that it is my responsibility. I had no idea about these types of scams or that people could do this. They said they are not liable even though they let the check clear and didn't send me notification until weeks later after the damage had been done. I filed a police report and attempted to contact XXXX but of course no answer. The people I spoke with have refused to rectify the situation.
Product: Money transfer, virtual currency, or money service

My Coinbase.com account temporarily disabled for no clear reason on XXXX XX/XX/2020, I have contacted Coinbase Support immediately, Case # XXXX, and after a couple of days they got back to me by requesting some documents and clarification statement regarding my trading activity ; shortly I provide them with seven submitted documents and a comprehensive trading statement telling them what I am doing ; they replied that will transfer my case to a specialist who will be able to assist you with this specific issue and noted that these reviews are typically completed within 5-7 business days ; on XXXX XX/XX/2020 while still my account was temporarily locked, someone transferred fund from my XRP Coinbase account, it's absolutely illegal, and an unauthorized transaction happens, which Coinbase should be responsible and providing clear the explanation for all those. 

" You just sentXXXX XRP ( {$0.00} USD ) Congratulations! You have successfully sent XXXX XRP to XXXX. You can view transaction details in your Coinbase account. 
This withdrawal is being sent to an address ( " XXXX '' ) that you haven't previously used. '' The ETA for performing a review to restore access to my account based on Coinbase TOS is 10 days " XXXX : XXXX '' however I do not have any clear reasonable response or resolution after three weeks ( 22 days ). This cost me a huge loss and paint in life, I URGENTLY requesting a response and resolution and providing access to my account and my Crypto asset. Looking forward to hearing from you soon. 
Best Regard
Product: Money transfer, virtual currency, or money service

CFPB. XX/XX/2024 Second dispute to PayPal Fraud and a Scam, delinquent behavior. 
International money transfer Background and history of the case. 

CFPB COMPLAINT ID XXXX Need to start a new complaint because PayPal is playing with CFPB, XXXX, and Me. 

Facts : PayPal called me after CFPB sent them a letter to complain about what they did to me of scamming me out of my money, they sent it to someone who is not my friend, is not my family, and has a different name than the one I send the money to. 
I wrote the first complaint number above so you can follow what XXXX talking about. 

PayPal called me to ratify that CFPB and they had an agreement to return and fix the money they mistakenly sent to someone else. The problem was that the next day they mailed a letter to XXXX to confirm that they would not return the money to XXXX and XXXX to me. After telling me they would. 

I need, please for CFPB to take this case again in a new complaint and be more specific to PayPal to STOP playing games. I will attach the letter they sent to XXXX from PayPal. Too bad I have nothing to demonstrate the phone call they made to me. 
They never sent me a written declaration of what they were going to do, they sent XXXX a letter saying the contrary. 

Please help me. 

Attached is the letter PayPal sent to discover to confirm that I did a valid transfer therefore they will not return the money, So it is lost? 

If need any other documents to confirm my case let me know. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please consider this my Notice of pre-Arbitration After disputing the inaccuracies in my account, I requested the full account statement via phone call. XXXX XXXX, the Director of Operations, emailed me the requested documents. Upon thorough review, it's evident that this account has been inaccurately reported to both my XXXX and TransUnion accounts, while being completely omitted from my XXXX report. The pay ledger from XXXX XXXX indicates the last payment date as XX/XX/XXXX, and the account was charged off on XX/XX/XXXX. As per FRCA Furnishing laws, accurate and complete reporting is mandatory. Despite multiple investigations, the inaccuracies remain uncorrected. 

Moreover, the payment summary incorrectly indicates a collection status when the account should be in a charge-off status. Additionally, the account has been reported as in collection status for over six months, which is a direct violation of my consumer rights.
Product: Debt collection

This company has been reporting to the credit bureaus twice a month every month and they have added almost {$6000.00} of interest on to an original amount. I first reached out to them back in XXXX of 2021 and ask them nicely to send proof of the debt and the original contracts, and then reach out to them again a second time a month later because I hadn't received the paperwork. I was told that they were working on it. Two separate times a month apart they have refused quietly to give me my information. XX/XX/XXXX I hired a lawyer to force them to give me the paperwork and they have yet to correspond to even that much, I have also disputed the debt the other credit bureaus and I have not received anything on that either. On my XXXX report they have removed the debt collection and then re-add it it a few days later. They were instructed not to continue to report by the lawyer and continue to do so. I asked them for the original contract and they told me that the original contract stated that they could continue to add interest every single month but would not give me an itemized deduction sheet as to where that came from. They also told me that they have the paperwork ready to sue me in court, and informed me that they would be ready to do so very soon.
Product: Credit reporting or other personal consumer reports

Medical debt account less then XXXX XXXX XXXX being reported on my credit as collections : XXXX  XXXX XXXX {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I DO NOT consent to any automated scan response or e- Oscar verification methods conducting your deceptive investigation. I have disputed personal information and there was no change. The personal information that is in correct is the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX. I have never lived there it is not my address of abode. I am enforcing you to remove the incorrect address. Also I have discovered that the accounts listed below is fraudulent. I have sent in pervious documents including an FTC, XXXX Attorney General Office complaint more than 30 days ago. I am only allowing an internal investigation within the days of 3 24 hours upon receipt for this matter to be resolved and dismissed. I am distress for the time period of this matter to be resolved. I sent in factual documents stating true facts of the unfairness and unprofessionalism. My character was being defame, my information was used without my consent Pursuant to FCRA that is in fact a violation. As a natural person and a consumer I am master, you are the minor and as The Congress implied that Equifax must exercise their grave responsibilities. You are a consumer reporting agency furnishing my personal information without my consent or from a judge. Do you know that is a major violation? I will move forward in filing a law suit. I have attached the documents to be read.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I sent a certified letter on XX/XX/year> with an affidavit reporting to Experian that there was incorrect information on my credit report due to identity theft. My letter included personal identifying information, a copy of the XXXX police department identity theft report I filed, a copy of the FTC identity theft report I filed, a copy of my driver 's license, a copy of my social security card, a copy of a current utility bill, and a copy of my current experian report showing the negative information being reported. The affidavit demanded that they block this information as it was a result of identity theft. 

Experian responded to the letter on XX/XX/year> by saying that : " If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. 

The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( XXXX ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' As a result, negative information is still being reported on my report. I called Experian on XX/XX/year> and spoke with a representative. I informed him that XXXX XXXX does specify criminal penalties for filing a false police report so this report does meet the guidelines. He responded by telling me that Experian will not disclose why it does not meet the guidelines. I asked where I can file a report that does meet their guidelines and was told that they don't disclose that either. 

So I filed a police report of identity theft that comes with criminal penalties but Experian says it doesn't meet their guidelines to block the information from my credit report however they won't tell me why it doesn't meet their guidelines despite the report being exactly what is within their guidelines. 

How am I going to be able to ever buy a house with this negative information on my report if it can't be blocked by following Experian 's own guidelines?
Product: Debt collection

Good afternoon, My name is XXXX XXXX, and I am submitting this complaint through this portal regarding the conduct of XXXX. 

On XX/XX/year>, I initiated an arbitration process through XXXX. However, Uplift has failed to formally respond to the notifications sent by both XXXX and myself. This lack of response from Uplift indicates an evasion of their responsibilities in this matter. 

Attached you will find a copy of the process that was initiated. 

This ongoing situation has been stressful for me, as I have been trying to resolve it for several months now without receiving a formal response from the company regarding the arbitration process. 

I kindly request that appropriate action be taken to address this issue promptly.