23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have repeatedly asked for validation of this medical debt from both the company as well as TransUnion. The company ignored my request and TransUnion has repeatedly stated that they have verified that this debt between myself and receivables management is verified. TransUnion has failed to send any documentation proving that this debt is mine including any information they have on me owning the debt and any and all contracts or statements. TransUnion has failed to tell me how they have come to the conclusion that I owe this debt. This is in violation of the FCRA and TransUnion should be held liable for defamation of my character and damages to me and my family. I demand that TransUnion immediately delete this information from my credit profile as I am not liable to pay this company a debt that I do not owe them.
Product: Checking or savings account

Hello, The company Coinbase has charged me 3 times for two purchases. They removed one set of unauthorized charges. After a week they charged me again for the same prices. This company needs to be investigated for fraud. I've tried submitting a ticket to their website but they do not respond for days at a time. I'm not the only person having this issue.

I've attached two photos of the charges. One was for the XX/XX/XXXX and the newest as of today XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
XXXX XXXX XXXX XXXX My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. 
I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.
Product: Credit card or prepaid card

On XX/XX/2018 I made a purchase on XXXX using a Klarna credit account. This was a 6 month interest fee purchase ( 19.99 % deferred interest ). On my XXXX bill it shows that I needed to pay off {$390.00} by XX/XX/2018 to avoid approximately {$74.00} in deferred interest. I made a payment of {$400.00}, which was more because I how how credit card companies are and will try anything to nickle and dime money from you. Anyways I check my balance the next day and I'm hit with {$74.00} in interest. I contacted XXXX and we went back and forth and they apparently apply the payment differently between promotional and non-promotional purchases. I'm attaching the statement I was sent, but I feel like after reviewing the statement I was sent, it looks pretty deceptive ( visually and in wording ) in their showing of what needed to be paid in order to avoid deferred interest.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered a cell phone from XXXX for {$990.00} + tax with my World Mastercard from Chase. 

I received the cell phone a few days later as promised from XXXX. 

Order number XXXX On XX/XX/XXXX, I saw an ad where XXXX lowered the price of the same cell phone by {$150.00}. 

On XX/XX/XXXX, I opened a claim with Chase Benefits asking for Price Protection for this event ( Page 21 of their Guide to Benefits ). The Chase Benefits representative has accepted the claim, confirmed my card had the stated benefits and told me it would be a few days and Chase Benefits would contact me. 

Contact with me was made as promised and they asked for another 5 days. 
This request for more time has repeated itself again, without any explanation of why they need this length of time to verify a straight forward claim. 

I have copies of the orignial price, new price, credit card statements and Guide to Benefits.
Product: Mortgage

I have had my mortgage loan {$330000.00} balance since XX/XX/XXXX. City National Bank acquired the loan and is now who I make payments to. I have always paid on time and always pay more than my minimum payment which is only {$2200.00}. I have paid $ 2600- {$2800.00} every month on time and have the payment coupons to prove it. I always walk my payment in to the branch to ensure I get a copy of the payment coupon. On XX/XX/XXXX I received a phone call from XXXX XXXX at City National Bank requesting I make some necessary repairs to my property. I told her I was out of town and would handle it right away. By XX/XX/XXXX I had already done the repairs they requested that totaled over {$10000.00}. I then send an email to City National Bank with my receipts and photos of the work completed within 30 days of the call. City National then send an inspector within the next few weeks to see the property. A few weeks later, City National Bank send me a new list of more repairs they requested. I had just finished spending $ 10,000+ on the property. They are now asking me to do some unnecessary upgrades. Meanwhile, they start reporting my mortgage as being late and start sending me letters that my payments are behind and I am not sending enough to cover the payments. I continue to pay almost $ 400-600 more than my minimum payments required. They continue to report on my credit as late. My credit has been ruined now. I am stressed and don't know what to do to get them to stop. I can provide copies of my email chain communication. PLEASE HELP!
Product: Student loan

I was being over charged on my loans for years. After finding out i did n't know what. Else to do. Come to find out Navient was the blame. So I 've been trying to find away to pay this back. I 've been unemployed so it 's been very difficult for me. I need help with my next step. Now i ca n't apply for anything else because of it going into default. I went to Itt-tech here in XXXX North Carolina. Just recently. Found out about the situation. I really need help on what to do next because I 'm trying for school Now and having a very difficult time with Navient on my student loans. I dont think it 's right for a company to get over and crush peoples dreams pr careers that they are trying to pursue.. My loans we 're over XXXX dollars and i am lost on the next step that needs to be taken ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Product: Money transfer, virtual currency, or money service

Good day Sir/Madam, I'm writing this letter with so much anger in my heart, regarding the discontentment with PayPal 's services, regarding my account with the associated Email : XXXX PAYPAL PERMANENT LIMITATION REFERENCE ID : XXXX As a new PayPal user, I never expected to be treated in such unprofessional, lackadaisical, inadmissible and unacceptable way. I created my PayPal account, on the XXXX of XX/XX/2020, and prior to this, I never ever liked PayPal, due to the horrible and horrendous stories perpetuated by most of my entrepreneurial friends. But on the other hand, some of my customers kept demanding I used PayPal on my store, as it's easier for them to pay with it. 

Sounded like something worth trying. By the way, I make around {$1500.00} to {$2000.00} every day on my store, with the use of other payment processors like XXXX and XXXX. 

I created my PayPal account on the XXXX of XXXX, and the creation process was seamless, I'll give them a +1 on that. After which, I added the account to my XXXX  store, received some payments, and in 24 hours. I was told I'm not allowed to withdraw the money, and my account has been temporary limited, till I submit some documents to lift the limit. 

I called customer care to complain about this, if I should just refund all my customers, and just know that PayPal doesn't want me, or should I go ahead in fulfilling the orders, with the hopes that PayPal will lift the limit, and I was told that everything will be fine if I provided the required documents. 

I submitted every single one of the required documents. Every single one of them!! I even went as far as fulfilling 40 of my customers ' orders with XXXX XXXX, so they get it quickly in 7-14 days, as stated on my store XXXX. Only for me to wake up on Monday, and get a very distasteful message saying that PayPal will hold on to my funds for 180 days????? With no solid reason whatsoever?? 

Right now, it's a good thing that my business is an LLC in the USA, so I have the right of suing PayPal to court. And I'm pretty sure, they'll pay more, for the damages caused and the inconvenience caused. 

I've gone through PayPal 's User Agreement, 8 times now, carefully, and can't still find where I went wrong. I've sent the link of their user agreement, to my lawyer, to prepare the court case. 

Right now, I'm writing to you, the Consumer Financial Protection Bureau, stating the subtle and crafty way of PayPal, in scamming small businesses of their hard-earned money, for 180 days, for no solid reason at all! 

I'm also pleading, that you help me pursue this case, so I'm able to get my money out as quickly as possible. 

Regards, XXXX. 
Account ID : XXXX XXXX
Product: Student loan

In XXXX of XXXX I cosigned a student loan for my brother to go to the XXXX XXXX XXXXXXXX. In XXXX of XXXX my brother passed away, still owing {$100000.00} on the loan. On XX/XX/XXXX I contacted Firstmark Services to inform them of my brother 's passing. On XX/XX/XXXX I paid Firstmark Services {$1700.00}. On XX/XX/XXXX Firstmark forgave the loan. On XX/XX/XXXX Firstmark returned my check for {$1700.00} stating the loan was paid. On XX/XX/XXXX Firstmark removed the loan from my online account. On XX/XX/XXXX I called Firstmark to get the check made out in my name instead of the estate of XXXX XXXX. On XX/XX/XXXX I called Firstmark and spoke with XXXX, there was no update on the check re-issue. On XX/XX/XXXX I called Firstmark and spoke with XXXX, check re-issue under review. On XX/XX/XXXX I called Firstmark and spoke with XXXX, check re-issue was approved and would be sent XX/XX/XXXX. XX/XX/XXXX Received a call from XXXX XXXX XXXX who stated that he was the Assistant Attorney General. He stated that Firstmark did not have the authority to forgive the loan and I needed to make arraignments with him to repay the loan. XX/XX/XXXX Firstmark put the loan back on my online account. XX/XX/XXXX Firstmark cancelled the check and applied it to the loan. On XX/XX/XXXX I contacted Firstmark asking to be released from the loan. They replied no on XX/XX/XXXX. At the time I cosigned the loan I was able to pay it back. I'm now XXXX XXXX XXXX, with medical issues that don't allow me to do the work I was able to do 20 years ago. My brother was making {$120000.00} a year, I currently make {$30000.00} a year. After speaking to XXXX, he said they would settle on the loan if I paid 75 %. For me to pay that I would have to use most of my retirement savings, leaving me nothing to live on for the rest of my life. My other option is to pay the loan for the rest of my life.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I had {$470.00} in XXXX transactions stolen from my cash app account and when I tried to tell the cash app support team about the transactions not being authorized by myself they told me that I authorized the transactions and they were not going to return my money. That was my rent and my food for myself and my wife who is XXXX XXXX
Product: Credit card

Ordered a product from a company with my American Express card. The account was closed about a month or 2 later. About 6 months later the product stopped working and the company issued me a refund to the original card. Called American Express and they said they had the credit. They were holding it. And when I had asked they said they would issue a check. It has been almost 4 weeks and still no check. I called them, they said they mailed it. Said they would send another one, but I asked them to send it via a method that was trackable and they would not. They are holding my money hostage and will not release the funds.
Product: Debt collection

I never received any legal requests for a court hearing and never given the option to dispute. I was notified when my employer handed me garnishment papers. I setup a court date to mainly find out what I was being garnished XXXX for, when it didnt line up with anything on my current report.Also to claim head of household cause I support my spouse and the only source of income. I was told you have to have kids to claim even if the garnishment stated you had to be the provider for a family member. So 25 % hurts big time. Then I was told I can not dispute anything at that point. There still has been no documentation provided and Ive provided my mailing address. I also question if one of these debts was outside the limitation for legal action. Im glad its cleaning up my credit and its half paid but it just feels wrong and unjust. I had no time to even get legal council, the time from getting the garnishment to the day of court was maybe 2 weeks. One of the collections ins on a bank loan that has been closed and charged off. Its also still on my report as the original creditor so thats confusing as well. So am I paying an actual debt or just padding pockets. Where is the proof.
Product: Credit card or prepaid card

On XX/XX/21 I placed an online order with XXXX XXXX  for medication costing {$160.00} and a doctor consultation for a {$25.00} fee. On XX/XX/21 and XX/XX/21 I emailed them requesting the consultation before they mailed the medication as I wanted to discuss my medical XXXX before they mailed the medication. They never responded. 
On XX/XX/21 I received a confirmation email that my order was on the way. 
On XX/XX/21 I emailed XXXX XXXX that I paid for, but never received the consultation, and to cancel the order. 
On XX/XX/21 I disputed the charge with Chase, who advised they would temporarily remove the charge and send me further instructions. 

I received a letter from Chase dated XX/XX/21 ( I do not recall the date I received it ) stating they temporarily removed the charge and to " save all documentation and receipts related to my dispute. '' On XX/XX/21 I received an email from XXXX XXXX  stating they were behind on the customer inquiries and that the order was shipped, which I received that day. 
On XX/XX/21 I emailed them that I had filed a dispute with my credit card company. 
On XX/XX/21 I " refused and returned to sender '' the unopened medication. 
On XX/XX/21 I received a call from XXXX from XXXX XXXX in XXXX, FL. I asked her to credit my account, and she agreed. 

On XX/XX/21 I received a letter from Chase dated XX/XX/21 requesting all my documentation by XX/XX/21. I immediately called Chase to advise my documents would never reach them by XX/XX/21. XXXX at Chase advised she would mark the file that I received their letter on XX/XX/21. 

On XX/XX/21 I mailed all my documents to Chase with a Certificate of Mailing. 

On XX/XX/21 I received a letter from Chase stating they decided in favor of XXXX XXXX. I called to inquire how they arrived at this decision and was told my documents reached them too late. They were not interested in my explanation that I received their request too late and spoke to XXXX who advised she would mark the file that I received their request too late to arrive by XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter to XXXX, XXXX and Transition credit bureaus asking for a description of the procedures used to determine the accuracy and completeness of and entry on my credit reports for XXXX XXXX XXXX, Account # XXXX. I asked them to provide the name, address and telephone number of each person contacted regarding the alleged account. I also asked for a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the amount claimed. 

This is a clear violation of my rights under the Fair Credit Reporting Act 611 ( 6 ) ( b ) ( iii ). 
and they also have 15 days to report to me the results I requested which they have not. I demand that this entry of XXXX XXXX XXXX be immediately removed from my report of all 3 credit bureaus as its is hurting my chances of obtaining credit. 

Failure of the credit bureaus to delete this entry from my reports, will result in me filing a lawsuit demanding {$1000.00} per violation for the following : 1 ) Defamationm 2 ) Negligent enablement of Identity Theft 3 ) Violation of then Fair Credit Reporting Act. 

The Credit bureaus have violated my rights under the FCRA as they did not provide the information that I am obligated to receive upon my request. All they did was again say that the Item was verified that it belongs to me. I did not ask that in my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : U.S. DEPARTMENT OF EDUCATION -This still shows multiple instances and only one closed.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Just like what happend with XXXX ( complaint XXXX ), when I checked my Equifax account on XX/XX/XXXX, I found that someone - the same person that perpetrated the fraud at XXXX - had used the same technique to get access to my credit report account at Equifax. All they had to do was register for a new account and then used my basic information, and it ripped my account from me and handed the account over to the fraudster without having to use my password. 

This type of unauthorized use of a person 's credit account is quite easy through both XXXX and Equifax 's website and the onus is on the person being impacted by the illegal activity to keep track of their account and NOT have XXXXEquifax hand it over to a fraudster. 

The attachment shows XXXX- which is NOT my email address. And the agent was able to tell me the person 's phone number, ( XXXX ) XXXX.
Product: Prepaid card

I purchased a prepaid XXXX ( XXXX for local colleges and universities ) issued by U.S. Bank National Association from a XXXX store for {$240.00}, plus {$5.00} XXXX fee on XX/XX/year>. When I attempted to validate the card online to make a purchase, I received a message that the card number was invalid. When I called the number on back of the card ( XXXX ), I was told that there had been activity on the card in XXXX, XXXX. I was directed to upload proof of purchase documents through the online portal ; and received a confirmation number ( XXXX ). When I called to check the status of my reimbursement, I was told that the documents I submitted were declared incomplete and destroyed. I have submitted and resubmitted documents 3 times via fax at a XXXX  Store ( costing $ XXXX {$8.00} ) which included photo ID, front and back of the prepaid gift card, 2 proofs of mailing address to the postal box ; and each time I call to check the status, I am told that the documents have been illegible or deficient ; and that the Offline Team destroyed the fax. I have filed a complaint with a supervisor about the reimbursement process, but received no follow up within 3 business days as promised. I have called and asked a supervisor to escalate my complaint, but have yet to hear from anyone regarding my claim. I hope that my complaint will help other consumers who may have experienced similar problems with prepaid gift cards.
Product: Debt collection

On or around XX/XX/2021 I was informed that my information was at risk of a data breach and or black web. When checking the accuracy of my credit file. I noticed that there were in fact wrong and unauthorized information reporting on my XXXX  XXXX and XXXX. I did report to the Bureau along with the reporting agency which was I.C systems Inc. With the original creditor XXXX XXXX XXXX XXXX After opening up an ongoing investigation with the XXXX county sheriff 's office . I sent over the incident report number, along with a notarized fraud affidavit informing them that I had indeed been a victim of identity theft. I sent over a copy of my social security card, identification card, and proof of my current address I've lived in the last 3 years. I faxed, emailed, and sent a certified letter to the above mentioned agency and have yet to hear back from the agency in whom are still reporting fraudulently to the Credit Bureau. I'm asking to have this creditor remove and delete this account immediately for fraud and identity theft in that this is not my debt nor have I had or have knowledge about entering into any commitment of debt or payment of any kind.
Product: Checking or savings account

I received a settlement of $ XXXX and went to US Bank to open an account with them, I deposited $ XXXX into the account and when I was opening this account I clarified with the banker that if it was okay for me to use a different address from whats on my ID. ( I felt unsafe having any of this mail being sent to the address on my ID ), He said it was fine and used the given address, the problem that came is that I waited for the card and when I tried to pay my bills it was declining, I was denied withdrawals and when I called they said it was a fraud block on my account for address verification. I told this to XXXX different facilities and each one has said that this is unusual since this usually comes up with people who move out of state. Both addresses were in the state I reside in. 

I have submitted documentation to the bank ( gov issued ID which is XXXX of the accepted items and my credit card statement ) and waited the allotted time and theyve denied me access to my funds. I can not afford to feed myself, I can not pay my bills, and on the verge of being evicted due to the fact that this man ( the worker who set my account up ) said it would be fine and the bank not trying to give me access to my accounts. I dont trust them now to even send me a check of my money due to how theyve handled this so far so I have tried to verify again but I am running out of time, I am who I say I am why are they trying to hold my money from me? I have been dealing with this and having no access to my money going on XXXX weeks.