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

I'm having issues with Coinbase. They had an offer to complete a course on a new coin they were offering so i did it and the next day I was charged {$50.00} worth of that coin. Which I never agreed to buy this was on XX/XX/XXXX. They charged an old bank account i had left connected so the payment failed. I contacted them the next day and they said i had to pay to keep my account active. So I did and as soon as the payment went through they fully blocked me from my account on XX/XX/XXXX. I then submitted another ticket with my concern where they said I should receive a response from a " Specialist '' in 4-5 days. It's now XX/XX/XXXX with not a single response from my first or second tickets. I have XXXX XXXX and XXXX XXXX on their platform making my account worth well over $ XXXX. This is putting my business in a big bind not being able to sell. I've already lost a huge deal on a new piece of equipment I have been trying to get for a month because i wasn't allowed to pull my money out. I've been emailing them daily I have attached the email string to show how unresponsive they are.
Product: Credit card

I used my Discover Credit Card to make several purchases with XXXX. An XXXX representative and I reviewed purchases from the last XXXX months ( XXXX to XX/XX/year>. ) From that review, I identified items that I didnt recognize and the XXXX representative was notable to identify the items. So, it was identified as fraudelent. The items totaled {$530.00}. When I spoke with Discover, they spoke of items with XXXX that were NEVER in dispute. The spoke of a pink and white dish set that was incomplete with XXXX of XXXX cups. I was told to keep the set and XXXX credited my account. Now, why would I put that in a dispute? In addition, Discover spoke of a wrist band that I never put in dispute. I wear the wrist band EVERYDAY. I kept telling Discover that I only put in dispute items that I did not recognize. If you could tell that the item was a wristband, a set of dishes or a XXXX dress ( later told to me ) then it was never something that I disputed. This was done to discredit my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT LIABLE FOR THESE DEBT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATION . I DO NOT HAVE CONTRACTS WITH THESE COMPANIES NOR HAVE THEY SENT ME THE ORIGINAL CONTRACT AS I REQUESTED. I HAVE ABOUT 30 INQUIRIES FRON THE US DEPARTMENT OF EDUCATION ON MY CREDIT REPORT WHICH IS CAUSING MY CREDIT SCORE AND MYSELF TO SUFFER VASTLY. THESE INQUIRIES AND ACCOUNTS ARE NOT MINE.
Product: Mortgage

My mortgage was transferred to SLS from XXXX in XX/XX/2019. Per RESPA, SLS never provided information regarding a fee they claimed was on my account, that I disputed. Yet they immediately threw my phone # on to their " Robo-call '' phone queues. Calls continued, even after I revoked call consent. Calls reached the point where I had to file a TCPA ( Telephone Consumer Protection Act ) suit against SLS. SLS continues to misapply payments. Their escrow dept nearly caused my homeowners insurance to lapse. Their customer service team refuses to speak with me because I hired an attorney for the TCPA suit. SLS shut off my online account access. As of XX/XX/2019, SLS has not sent me monthly mortgage statements. These are additional RESPA violations. Given that SLS 's customer service dept will not communicate with me, I have escalated the matters via direct email communication to XXXX XXXX ( SLS Sr Vice President ), XXXX XXXX ( VIce President - Customer Insight ), and XXXX XXXX ( SLS Vice President ). I will continue to add email new direct management contacts and file complaints. I also strongly encourage any and all who are forced here by Specialized Loan Servicing 's business practices to speak to a consumer rights attorney regarding both RESPA and TCPA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the standard 15-day grace period offered by XXXX XXXX. The payments were not late, and the XXXX and 60-day late entries are inaccurate.

Clerical error by XXXX XXXX : Despite making the payments on time, it was incorrectly recorded as late due to a clerical error. This error caused an inaccurate 30-day and 60-day late payment report on my account. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payments were made on time. This evidence clearly demonstrates that no late payments occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Other financial service

I ordered XXXX XXXX yesterday ( XXXX/XXXX/2015 ) from Chase branch XXXX at XXXX, NY. The bank applied XXXX ( equivalently, XXXX XXXX per USD ) exchange rate, which is 11.3 % higher than yesterday 's close FX rate of XXXX ( equivalently, XXXX XXXX per USD ). This means I overpaid {$140.00} out of totally {$1300.00} to get XXXX XXXX. 

Misled by my past trust to Chase service, I only realized this ridiculous overcharge last night. When I called the branch manager today, he said there is nothing they can do. They follow a standard practice to mark their FX rate to retail customers. 

I feel the practice to mark FX rate 11 % higher than market close for retail customers is outrageous. Therefore I am filing this dispute, not solely to refund my own money, but to ask Chase to ( 1 ) Always disclose, orally and in all receipts, how many % the retail customers are over paying for foreign currencies comparing with FX market close ; ( 2 ) Disclose to public in past 10 years totally how much dollar amount did such overcharge accumulate ; ( 3 ) Apply a % cap on how much such over charged FX rate could be compared with FX market close ; ( 4 ) Investigate their internal practice of marking FX rate for retail customers and disclose the result to public.
Product: Credit reporting or other personal consumer reports

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX . I have contacted XXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. " 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.
Product: Checking or savings account

In XX/XX/2023, I tried to close my bank account with a balance of just over {$10000.00} at BMO Harris Bank. I was informed that a cashier 's check was delivered to my residential address. In early XXXX, I followed up because I never received the check. I was informed to go to a local retailer so that BMO Harris Bank could verify my identity and reissue a check. From XXXX to XXXX, I made 4 trips to the local bank in XXXX XXXX. I signed and notarized consent to reissue the check. I was told that it would take the bank 90 days to confirm the cashier check was lot and that a new check would be issued after XX/XX/XXXX. I went to the local bank again and was told that BMO Harris would need issue this from their accounting backoffice. I called in early XXXX to inquire and was told that a new cashier 's check would be issued within 7- 10 business days. On XX/XX/XXXX, I further inquired and was told that the check was not processed. They then informed me again that it would take another 7-10 business days before a cashier check would be issued. I asked to speak to a Case Specialist and was assigned to XXXX. I was originally assigned to an analyst named XXXX. But no case reference number was provided. I was only told that I would get a followup call in 3 business days.
Product: Credit reporting or other personal consumer reports

Over XXXX  years ago I opened a credit card. Had trouble paying, but then paid it all off 100 % at the same time it hit my credit report. The reports show it as paid with a XXXX balance. However, it has been a very long time and the tradeline is not being removed. The card company indicated through investigation that they can't find the account under any search parameters yet they still report it as accurate. Its been XXXX years and all parties refuse to remove this from my report. 

Credit card company is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe that according to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Could you verify the documents? Several of the mentioned accounts are incorrect in terms of reporting, with inaccurate amounts and dates.
Product: Debt collection

Afni, Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) this acti on might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit rep orts. Afni, Inc are  in violation : the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
Product: Checking or savings account

XX/XX/22 called XXXX XXXX to report. Froze all credit bureaus, called Wells Fargo where someone tried to open an account, froze the fraud application for checking account
Product: Credit reporting or other personal consumer reports

In dealing with Southeast Toyota Financial, I have encountered repeated inaccuracies in the reporting of my account, leading to unwarranted financial distress and a significant impact on my credit score. Despite numerous attempts to correct these errors, the issues persist, as evidenced by a series of complaints filed with the Consumer Financial Protection Bureau ( CFPB ) : XXXX for misreporting a {$0.00} balance on XXXX regarding the exercise of my right of rescission. XXXX for inaccurately reporting to XXXX that I was " Paying under a partial payment agreement. XXXX highlighting the issue of a check marked " Full and Final Settlement '' being cashed then inexplicably returned. XXXX for incorrect reporting of the last payment date on all XXXX, XXXX, and XXXX. Each complaint underscores a systemic failure to maintain accurate and fair reporting, in direct violation of the Fair Credit Reporting Act ( FCRA ). The most egregious issues involve XXXX and XXXX, where Southeast Toyota Financial has inaccurately reported my account status and balance, respectively, causing undue harm to my creditworthiness and financial stability. The current issue surrounding this complaint has to do with XXXX and XXXX. There are currently XXXX issues wrong with my credit report now. Initially, my credit report with XXXX displayed a concerning omission : it failed to list any closure date for the account in question, effectively leaving it marked as open and inaccurately reflecting my financial obligations. This oversight was later 'corrected ' to show a closure date of XXXX XXXX, 2024. However, this date is erroneous, introducing a new layer of inaccuracy to my credit history that requires immediate attention and rectification. The misrepresentation of my account 's status not only skews the portrayal of my financial activities but also unjustly impacts my creditworthiness. Furthermore, a significant discrepancy has emerged on my XXXX credit report, where the original loan balance has been inexplicably removed. This deletion has led to a drastic reduction in my credit score, plummeting by more than XXXX points. The report now erroneously indicates a balance derived from 'No Info, ' instead of reflecting the true original loan amount. This misreporting of the original balance not only distorts my credit utilization ratio but also undermines the accuracy of my credit profile. Such errors in reporting are not only misleading but also detrimental to my financial health, emphasizing the urgent need for a thorough review and correction of my credit information across all reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account Credit acceptance account # XXXX, has violated my rights 15 USC 1681 selection 602 states i have the right to my privacy.

15 USC 1681 selection 604 A selection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a car payment under an open end consumer credit plan as late for any purpose
Product: Debt collection

This is actually a two-fold issue : attempt to collect a debt that was already paid and attempt to collect more than owed. On XX/XX/XXXX, I received a phone call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX ( XXXX XXXX ). I do not recall the exact amount, but it was around {$320.00}. I had paid this account IN FULL to XXXX XXXX on XX/XX/XXXX in the amount of {$270.00}, which was the total amount due. 

After hanging up with Transworld Systems, I called XXXX XXXX and confirmed that my previous payment of {$270.00} was the only amount owed and my balance was {$0.00}. They also indicated that they do not use Transworld Systems for any collections and that they would contact Transworld Systems. 

On XX/XX/XXXX, I received another call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX. I indicated to the caller that the account with XXXX XXXX had been settled two months ago and that XXXX XXXX had indicated they did not use Transworld Systems for any collections. They indicated that they would get in touch with XXXX XXXX. 

I then called XXXX XXXX and was assured that they had contacted Transworld Systems in XX/XX/XXXX to let them know they should not be calling about this account. I was assured that they would be contacting Transworld again because " this is bordering on harassment. '' ( Their words, not mine ... although I agree. )
Product: Debt collection

On XX/XX/XXXX, I received a letter from a collection agency from XXXX XXXX about collecting a debt from XXXX XXXX. The company wants to collect XXXX dollars from my ex-husband who died in XX/XX/2018. My daughter previously contacted XXXX XXXX and told them that my ex-wife husband is deceased. He did not leave a will not anyone is responsible for his estate. He did not have a power of attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account: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 an account without my written instructions.

This is a fraudulent account ; I did not open any account with this company.
Product: Student loan

I was notified last year that my federal student loans were being shifted over to Edfinancial. As the pause was coming to a close I was given notifications about payments restarting and to re-apply for income-driven repayment. Around XXXX of XXXX  I did so. I soon after received notice that I would be getting a bill in XXXX for around {$2500.00}. This was NOT a reflection on an IDR plan. I called. They told me this was not that amount that would be withdrawn from my account in XXXX, but rather an amount much lower- they said {$50.00} over the phone ( which seemed low ), but whatever. Sounds good. In XXXX, with no notice, {$2500.00} was withdrawn from my bank account. I called Edfinancial. The woman I spoke to couldnt explain what had happened. She also didnt have the authority to make any changes to my account. She told me to AGAIN apply for IDR/SAVE. Furious, I did so. I then got notifications that i was late on payments. I can not afford this XXXX XXXXXXXXmonth ( which is why i applied for IDR in the first place ) another month went by. No notifications. I got a bill saying I owe something around {$7500.00}! I called. Again. Oh, i found your tax documents. They got lost. Lost? They were sent electronically. They dont get lost. They told me it would be another month until this was processed. They refused to send confirmation of our conversation or the statements they have made over email. They want no record of what they tell you over the phone. Im trying to buy a house. Im trying to live my life. This organization is the most predatory, fake, disrespectful, lying, useless organization I have ever dealt with. They have STILL not processed my IDR request. They offer no updates through their website of where in the process things stand. And when I call and ask for updates they make promises or statements about things that will take place, but refuse to send any emails with updates. Im at a total loss. I dont know what to do. This is going to XXXX my credit. Its criminal. I need help.
Product: Prepaid card

I opened an account for a prepaid Visa card with First Progress in XX/XX/XXXX to help build up my credit score and everything was fine made all my payments on time and never had any issues until I decided to close this account out in XX/XX/XXXX for I was no longer using this account in I received my statement for the months of XX/XX/XXXX thru XX/XX/XXXX which showed they had charged me the annual fee of {$39.00} when I called in to close the account in XX/XX/XXXX the representative for First Progress informed me that as long as there were no charges made to my account that I would receive the refund of the {$39.00} annual fee along with the balance of my prepaid Visa Card which totaled {$150.00} but there would be a 60 day waiting period to make sure that there were no charges made to my account finally I received my refund in XX/XX/XXXX but it was on for the amount of {$150.00} and did not include the refund for the annual fee of {$39.00} in which the representative for First Progress indicated I was entitled to receive so I contacted customer service with First Progress and was told I would have to write a letter to the First Progress Correspondence department to request my refund which I did on XX/XX/XXXX, I received a response dated XX/XX/XXXX indicating that I would have to contact customer service to resolve this issue so I contacted customer service and they said that I would have to contact the Progress Correspondence department what they are doing is giving me the run around and violating their own policies for which I have been told XXXX different times by a Customer service representative that I am entitled to the refund of the annual fee of {$39.00} as long as there were no charges mad to my account in which I have the statements to show that no charges were made.
Product: Credit reporting or other personal consumer reports

I'm a victim of Identity theft. I have fraudulent accounts on my credit report : XXXX XXXXXXXX XXXX XXXX ( balance {$9600.00} ), XXXX XXXX XXXX ( balance {$4400.00} ), XXXXXXXX XXXX XXXX XXXXXXXX ( balance {$35000.00} ), XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( balance {$830.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( balance {$110000.00} ), XXXX XXXX - XXXX XXXX  XXXX, XXXX XXXX XXXX ( balance {$12000.00} ), XXXX XXXX XXXX ( balance {$3000.00} ), XXXX XXXX XXXX ( balance {$9700.00} ). 
These accounts must be removed from my credit report. 
Please see my identity theft report and documents in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to remove my extended fraud alert off of my trans Union credit report. 


Attention please remove extended fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

XX/XX/18 I have paid my XXXX XXXX XXXX credit card, issued by XXXX Bank, account in full ( {$110.00} ) on XX/XX/18 and continued to get charges for late fees and minimum interest charge on an {$0.00} balance. This has happened to me on three separate occasions during the last 2 years. I received a call concerning a {$110.00} balance and was confused because I knew for a fact that the account had been paid in full. I did not understand what was happening until I pulled up my account online. I called the company ( XXXX Bank ) and was told that they would take the {$110.00} in fees off. I am complaining today because I know other consumers may be affected by this unfair banking practice by this company ( XXXX Bank ). Not only is this account affected by this unfair practice but my credit report has been affected as well as the company report late and missed payments to my credit report. 

Please Help
Product: Debt collection

Never received any documentation about debt being bought by a XXXX XXXX collector during XXXX crisis. And they are not the original creditor.