23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The bank that my car loan is through sent me an email in XXXX of 2023 stating that I did not have coverage on the vehicle and that they would add cpi ( insurance ) if I did not send proof of insurance. Thinking this was a fluke I sent in my proof and waited. Then I got another email a month later stating the same issue so I sent in proof again, I got an email on XX/XX/XXXX saying they would get back to me in two days. I got a response within the same day saying the format is incorrect so I resent the information in the correct format and never got a response. I got another email stating I needed to send proof of insurance on XX/XX/XXXX and I sent in my insurance again, I didnt receive any responses or notifications of needing proof of insurance again. Then in XXXX I get a notification that I am 30 days late on a payment, Im thinking this is impossible since I create a payment from my bank that then automatically goes to the account, when I look at my bloom account the payment more than doubled with the added cpi. I am frustrated since I sent in proof of the insurance and I even emailed and talked with a person over email about this so why wasnt I notified or given proper direction on what to do. I go into a physical location and the person was giving me a horrible interaction even once she realized I was submitting the proper papers for insurance. I then go to another location and they see my information and the documents submitted and agree that the info is correct and then remove the cpi. My problem is I was never notified that the cpi was added, there was no date or paper stating this, I was not told if anything was wrong with my documents after the initial email, I did not receive prompt help, and the bank messed up on their end by denying my documents were inadequate when they truly were. I never miss a payment so this is tanking my score when this was an issue on the banks end. I did play part and I paid for insurance and had it on the vehicle, I submitted documents proving it and I emailed and went into a physical location with no help. Even after this was finished I emailed the loan officer that helped to see if I can recoup any of the fees charged to pay the credit card I intended on paying off with the funds I had to use to pay the car payment that doubled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that TranUnion and XXXX  are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days of the response.
Product: Checking or savings account

Complaint towards : Chase XX/XX/2022 : My wife and I went to our local Chase branch and opened new joint accounts ( one checking and one saving ). 

XX/XX/2022 : I initialized a XXXX money transfer from my existing XXXX checking account to the new Chase saving account. The transfer was initialized on the Chase website. I added my XXXX checking account as an external account, and then initialized the transfer from Chase. 
( I have been using this XXXX checking account to pay my Chase credit card for years. When I was trying to add it as an external account, it was automatically detected and added on the Chase user portal ) Also, I updated my employer 's payroll system to use the new Chase checking account as the direct deposit account. 

XX/XX/2022 : I can not log into the Chase website or the mobile app. It says that suspicious activities are detected in my account and asked me to give a call. I gave a call to Chase and was told by phone that my accounts are subject to closure. No reasons are given over the phone. 

XX/XX/2022 : We went to the same local Chase branch and asked the banker for help. The banker helped us to call Chase again. However, still, no reason is given.
Product: Credit reporting

On XXXX XXXX, 2016, I submitted a complaint ( XXXX ) against Experian. They have not responded to the dispute in the allotted time ( 30 Days ), nor is the information directly verified from the United States Bankruptcy Court. Experian has violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). 

Under the FCRA, the Credit Reporting Agency is required to verify disputes directly with the lender. Therefore, the lender would be the United States Bankruptcy Court. By using XXXX XXXX, a third party information provider, you have failed to verify this information. The courts DO NOT report any information to the credit bureaus other than my name, address, zip code and last XXXX numbers of the social security number. 
If you insist that you have verified with the clerk, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
If this is not removed forthwith, my next communication with you will be taking you to court and filing a complaint with the Attorney General. I am a serious person and I 'm not playing games here.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, PORTFOLIO RECOVERY added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXX  days before the payment due date. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 card

I had a flight booked online from XXXX to XXXX, I decided to delay my flight a month my flight and my moms. I paid the fee to delay the flight and I was given a residual refund the agent told me it was because of the ticket price difference I submitted that online and when I had issues with the form I luckily took screenshots. When I went to the airport on my flight date XX/XX/XXXX I was told my ticket was not valid and did not exist I was forced to pay for a new ticket. I had high hopes Goldman sachs would handle the issue but they did not in my dispute XXXX  recognized the discrepancy gave me a refund but took extra fees, I enquired via email and no one answered me I have called and no one answers. In the dispute XXXX stated I walked into their office and requested a refund. That is not true, if I requested a refund why go to the airport in the first place? I pointed this out to Goldman sachs and pointed out that they gave me a refund mid dispute but Goldman sachs closed my dispute saying I agreed to the terms and conditions. The terms and conditions never included my flight getting completed erased and having to buy a new one. I was dumb founded. When I eventually got a hold of someone in XXXX XXXX I was told I can only handle the dispute via email the phone hotline is for tickets in USA only. They havent answered why I am missing {$110.00} dollars, Goldman sachs stated the original decision will remain because there is no evidence to substantiate the claim even with all the evidence I provided. I have not been able to reach representative of XXXX air via email I have provided that evidence to Goldman sachs. If i was in the wrong then why XXXX refund me in the middle of the dispute? This alone proves to me they realized their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CLOSED visa credit account at XXXX XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my Experian, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.
Product: Money transfer, virtual currency, or money service

Coinbase XXXX # XXXX Coinbase / XXXX have suspended my account due to a return payment. 

I selected the wrong payment type and subsequently canceled the payment cause of insufficient bank funds. 

So Coinbase XXXX has locked up all my fiat and cryptocurrency. I 'm unable to log into XXXX, which is where all my funds are. I 'm unable to withdrawal funds, which I was planning to use for some of my bills. They have XXXX of my yearly salary locked up in their system, and I ca n't even see my balance. Very Scary to me! At this point I 'm scared they may have stolen the funds. 

My attached email is dated XXXX XXXX, but I 've been trying to get this resolved for 2 weeks now ( I 've had more than one case # ). The email says something about verifying identification, which I had already done when I opened the account. The rep I spoke to on the phone said I should wait to hear back before resubmitting my ID. CoinbaseXXXX ID verification system is broken also, making this task seemingly impossible.
Product: Payday loan, title loan, personal loan, or advance loan

On Friday XX/XX/XXXX I paid my loan and they said it wasnt received which I sent in bank statements to proved then they found it and tried to take it out again twice I asked them not to take it out and they tried again and again
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new car and the old loan from Bridgecrest was rolled into my new loan. My Bridgecrest account has been closed for 2 MONTHS. I disputed this and it showed as correct. It is not
Product: Credit card or prepaid card

My identity is stolen due to my wallet and spare phone ( synchronized everything with my primary phone ) was stolen around XX/XX/2022. My identity includes my driver 's license ID, photos on the phone ( including myself holding the driver 's license ID for identity control verification required by my employer and credit card photos ), passwords to banks and emails, and several physical credit cards. I noticed many international fraudulent charges to seven of my credit cards : ( 1 ) XXXX XXXXXXXX XXXX XXXX, {$4400.00} ; ( 2 ) XXXX XXXX XXXX XXXX, {$12000.00}. I never authorized any of the transactions in a total of the above amounts. I contacted CITI via phone and sent out the victim reports via XXXX XXXX. It's been several months and the fraudulent charges are still not resolved. I provided the police report to support the fraud activity ( XXXX ) but the bank does not cooperate with the ID theft process and requested I to be in charge of the balance. The bank has been requested me to provide information to be in charge of the transactions that were made by fraudulent parties even though I provided the ID theft information multiple times.
Product: Credit card or prepaid card

I had a disputed ( false ) charge of {$92.00} on XX/XX/17, which was properly removed that month. I closed my account at the end ofXX/XX/2017- or early XX/XX/2017. 
I received another letter on the closed account dated XX/XX/2017 confirming I wasn't responsible for that charge. 

However I later learned they posted a new charge of {$92.00} on XX/XX/17 on the dead account without my knowledge. 

In XX/XX/2017 I discovered they reneged on the removal of this charge. I filed a dispute on the Chase website where they stated I'd get a written notice of conclusion. 

I called on XX/XX/17 advising I had a XXXX balance closed account for several months and never charged anything new. I advised I do not owe late fees or the amount they allege and they can not treat this like a fresh account. 

The company refuses to offer an accountable person who is competent enough to completely resolve the dispute. Instead, they are filing negative credit reports as if it's an active revolving credit account. There appears to be no way to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 with information that doesnt belong to me and was not done by me under fraud. A XXXX XXXX - XXXX XXXX  XXXX : # XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 

Thank you for your time, XXXX XXXX
Product: Money transfer, virtual currency, or money service

False advertising. At pls @ XXXX XXXX XXXX XXXX tx XXXX have signage saying free money orders. But found a loophole thru which they estimated that my rent money order would cost my @ least {$30.00} usd ( easally non split shift days pay ) yet could still b XXXX free Probably went a total of 8 places to buy a Money order for my rent & had a lota other stuff 2 do that day
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I checked my credit report and noticed an account listed there which was not mine. Someone else with the name XXXX XXXX is an authorized user on an XXXX XXXX and this account has been incorrectly associated with me. 

I submitted a dispute with Experian and XXXX. XXXX correctly realized their error and disassociated the account but Experian foolishly confirmed it as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been filing compaints against Capital One since XX/XX/2019 with CFPB and they have assisted Capital One in violating the Credit Card BIlling Act. I called CFPB states it was referred to OCC. Call OCC they states been referred back to CFPB. Capital One has promised me multiple call back and refunding the {$1000.00} and 7 months later still nothing.I am now submitting a complaint for conflict of interest with CFPB. every agency has assisted this card company in violating my consumer rights and i now want CFPB to refer this to whatever agency regulates CFPB. Capital One billed back this {$1000.00} multiple times after crediting and exceeded the FEDERAL LAWS that allow bill within 2 cycles!!
Product: Mortgage

Over four years ago I was laid off from my job. I contacted my mortgage company, who first told me to apply for a HARP program, and that I could hold off on my mortgage payment until I got an answer, as the mortgage amount would be rolled into my new mortgage. I did not do this, I paid my mortgage on time. I was then told I did not qualify for HARP, but that they had some internal refinance programs I might be eligible for, had me go through the entire application process again ( twice, they " lost '' my first application ), and I was again told I could skip my mortgage payment while a determination was made. I did not skip the mortgage payment, and I was not given a company refinance plan either. I attended one of those mortgage conferences ( XXXX ) where lenders from all the different mortgage companies are there, and was told by a representative from Ocwen that the lender was not going to modify my mortgage and give me a lower interest rate. This was because with the amount of equity I had built up in the property it was more financially advantageous for them to wait and foreclose, even if it took a year! Finally, the mortgage company allowed me to pay an abated amount for three months while I searched for a job. I made these payments in full every month on time. At the end of the three months they sent me a bill for almost {$4000.00}, with a letter stating if I did not pay foreclosure proceedings would be instituted! In addition, they put a 30-60-90 day late note on my credit reports. I borrowed from family to save my home, and have paid my mortgage payments since. They did " modify '' my mortgage after that, from 6.625 % to 6.2 %, for 30 months, which has since expired as well. However, both the late payment marks, and the " modified '' mortgage note shows up on my credit report. I have repeatedly requested these be removed, by calling the lender directly and by requesting through the credit bureaus, and have been denied since they are " within their legal rights '' to keep these on my credit report. I went back to school and got a degree in accounting. I am afraid this type of black mark on my credit report might affect my ability to get a job in this field as they now run credit checks. It has been three years since these " late '' payments which to my way of thinking were not late to begin with, why will they not remove them? I was not told at the time that they would be treated this way on my credit report either. My original mortgage was not through Ocwen, I was sold twice before I made my first mortgage payment to the original, and then an intermediate mortgage broker, finally ending up with them. It was not because of bad credit, or because of missed mortgage payments, but simply rolled into a block of mortgages bought by this company. They have been a nightmare ever since, with poor communication, " lost '' paperwork, inability to manage escrow accounts, etc. Please help me, this severely impacts a credit report that would otherwise be quite good.
Product: Money transfer, virtual currency, or money service

Here is the initial complaint I submitted to the FBI on XX/XX/XXXX of 2022 : " At around XXXX on Saturday XX/XX/XXXX I received an email from Coinbase stating that my password on my account had been changed. I woke up around XXXX and tried to log into my account and could not because the password was incorrect ( so it had been changed ). I called Coinbase immediately and had them lock my account. At this point my funds were still in my account. I was then instructed by a Coinbase employee over the phone to start an account recovery process. I completed the instruction and than was told that I would have to wait up to XXXX hours before I could log into my account. Sunday morning I received an email saying my account was ready for log in but when I tried to log in I still could not. I than spend several hours on the phone with a Coinbase employee trying to get access. On Monday morning XX/XX/XXXX I again spoke to a Coinbase employee about getting back into my account. It is at this time that this employee informed me that all my crypto currencies had been transferred out of my account on Sunday morning the XXXX of XXXX around XXXX. This Coinbase employee also informed me that even though this account hack was not my fault and it was their own account recovery process that unlocked my account and allowed the hacker to steal all my crypto currency that Coinbase was not responsible or liable for my funds being stolen. On the XXXX of XXXX I filed a statement with Coinbase 's investigation team and them recommended that I file a report at this location. '' After I was finally able to access my account again, I found that the dates that the Coinbase employee had given me about the time my funds were stolen were incorrect. I then filed a complaint with their complaints department. This complaints department instructed me that they were stolen on XX/XX/XXXX. When I sent pictures from my account, clearly showing them that this was not the case, they had nothing to say. They also later told me that if I had had two-factor authentication with a Google Authenticator XXXX this could have been prevented due to the fact that the hacker would have needed physical possession of my device to get the access codes. When I explained to them that I did, in fact, have two-factor authentication with a Google Authenticator , they again ignored me and responded with what seemed like boilerplate explanations about how they are not responsible for any lost or stolen funds. I have included the emails and pictures showing all this. 


It seems very clear to me that Coinbase is responsible for the loss of my funds, as I had taken every security measure they required. They have clearly contradicted themselves several times, which leads me to believe that they are trying to cover up something for which they know they are responsible.