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

Someone has fraudulently used my credit card number to charge approximately {$8000.00} worth of goods and services. Although I have repeatedly brought this to the bank/credit card company 's attention as far back as XXXX of 2021 they have repeatedly stalled doing anything about it. Finally they told in XXXX of this month that this was not their problem and that it was up to me to resolve. Meanwhile I am paying {$300.00} a month on charges i DID NOT MAKE and to add insult to injury they are charging me {$100.00} a month interest on these fraudulent charges. Additionally these charges should have never been allowed by them as I have had this credit card for over 15 years and had never charged my card anywhere near the extent that this thief did! I left my automatic pay of {$300.00} a month on as I did not want it to negatively impact my credit. Finally I almost always paid my account down to XXXX as I generally didn't charge that much and I didn't want any interest charges. Although the bank/credit card company claims they " investigated '' these charges that is impossible to believe since they never talked with with me about those charges, the charges were made by a person who lives in OK and I live in NC, and the thief that made those charges paid of utility bills, daycare costs ( I have no children at home ), and their bills..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;
Product: Payday loan, title loan, or personal loan

I started a loan with a company called Springleaf Financial LLC over here in XXXX, NM. That company is now Onemain Financial. The loan was for around {$10000.00} and was meant as a consolidation to my credit cards. I was mislead into believing an account worth {$1200.00} was consolidated in the amount by the associate who had me signing the papers. I asked her why I didnt receive a check for that company, and I was told that it would come after 3 months of on time payments. So after 3 months of on time payments I call to see what is going on and I was told that they could look into refinancing but that the terms of my loan did not include that account. They specifically then told me I should have read it closer. I insisted that the representative even talked to her manager and came back to tell me that information. I then signed the contract and took the checks they offered me. If I had known that it wouldnt have included that account, I wouldnt have consolidated, and it ended up putting me in a rough financial spot. I had asked for a supervisor to call me back, but I never got a return call. I didnt know about UDAAP until recently when I realized I was mislead and could take action against them. I obtained the loan in XXXX but the earliest statement their website lets me access is from XX/XX/XXXX which I have uploaded. I will work towards finding the entire agreement so I may send it in ; however, Im sure based on my statement you will be able to find the account this is in reference to and the signatures of the Springleaf representative and manager that mislead me. In addition, when they called to collect their payment on XX/XX/XXXX I wasnt informed there was a return payment or return payment fee on my account, nor did she give me the option of paying it. Im very concerned about this company and have no trust in them anymore.
Product: Vehicle loan or lease

My payments to XXXX XXXX have not been applied correctly. I received a letter from XXXX around XX/XX/2018 stating {$1200.00} due by XX/XX/2018. I had made a payment as of around XX/XX/2018, have been making payments on time monthly since my last complaint back in XX/XX/2018. I am totally confused as to why a {$1200.00} payment was due & now, per XXXX, I am 6 months behind on payments. I called XXXX several times before and after XX/XX/XXXX to find out what was going on. I did not make XX/XX/2018 payment due to XXXX rep, finally letting me know 'no one could talk to me until they got clearance '. A call was received from XXXX as of XX/XX/18 while I was at work, a recorded message left to call back. I called back at XXXXXXXX XXXX this same date & spoke w/ XXXX , who states the car is set for repo at this time, that I am 6 months behind as of XX/XX/2018 in payments. I asked XXXX to explain to me how this was so & I had been consistently making on time payments. XXXX states there is a repo set what would I like to do. I did not have any response as I was not willing to make any payments & XXXX keeps sending me letters that I am behind. If I were really 6 months behind then the letter received for {$1200.00} would be incorrect. My payments are {$330.00} a month x 's 6 would be {$2000.00}. So I am completely confused as to why I received this letter in XXXX & XXXX states I was 6 months behind as of XXXX. The requested amount due does not even add up. XXXX did not even offer any other options, just repo set. I do not feel this is fair due to the fact that I have been consistently making on time proper payments. XXXX stated during this phone call that he would send my payment history by email & it has still yet to be received.
Product: Money transfer, virtual currency, or money service

Coinbase.com, in the words of a member of their support staff, " is designed for retail customers, and focuses on providing the easiest possible buying experience. '' Coinbase.com differs from Coinbase Pro, which, again in the words of that same member of their support staff, " targets more sophisticated traders, who we hope will bring volume to the exchange. '' Coinbase.com markets itself to retail customers who are often new to cryptocurrency trading. On their website they state that " Coinbase is the easiest and most trusted place to buy, sell, and manage your digital currency. '' However, when buying cryptocurrency on Coinbase.com, customers incur substantial fees. Granted, their fee policies and rates are disclosed, however what is NOT disclosed is that customers can trade on Coinbase Pro, an alternative platform owned by the same company, for 0 % fees for certain types of trades. As a new cryptocurrency investor, I was misled by Coinbase, advertising itself as the " easiest and most trusted place '' that I could use to begin investing in the space. Before incurring over {$450.00} of transaction fees, I was NOT notified that I could place my orders on Coinbase Pro for {$0.00} in fees for limit orders. It is unfair that the same trading options are not provided on Coinbase, which trading options retail investors could use to avoid incurring substantial fees. There is no significant level of sophistication required to understand the difference between a transaction that incurs fees and one that does not. As such, retail customers should be made aware of all options, through both Coinbase and Coinbase Pro, when signing up for a Coinbase account. Coinbase appears to be preying on the ignorance of new investors by steering them into a more expensive trading platform that does not add any value to the customer. Coinbase has rejected my request for a refund of these fees, so I wish to file this complaint in order to promote increased and more transparent disclosure policies so that other new investors are not similarly misled.
Product: Credit reporting or other personal consumer reports

Hyundai Motor Finance is incorrectly reporting the last year of my payments as late, when I was never late and have paid the account in full.
Product: Credit reporting or other personal consumer reports

I have filed disputes with XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite listing the accounts and notifying them of the violations on my consumer report, I have not received any response from them after over 30 days. Attached below are copies of all the letters sent.

The company in question has violated FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such.

Additionally, there is a violation of 605 ( c ) as the reporting period has been exceeded. The date of last activity on this account is being reported inaccurately, failing to reflect the actual last date a payment was made.

Furthermore, there has been continuous failure to validate the collection account, constituting a violation of FDCPA 809b, as per the opinion of the FTC.
Product: Credit card

Went to pay my Citi credit card, teller said that they needed my Social Security Number and Occupation. I ask why, and pressed the issue they said it was corporate policy.
Product: Payday loan, title loan, or personal loan

I called the company several times in XXXX to try and make a payment but without knowledge they closed my case and wouldn't allow me to make a payment and now it's affecting my credit report tremendously. I didnt receive payments from unemployment till then and had kept them informed since I lost my job in XXXX because of pandemic.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper investigation to remove errors within the 30-day period ( 15 U.S.C 1681e ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX   LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX  and XXXX They are violating my rights with XXXX XXXX  reporting to my Credit report an account that doesnt belong to me it belongs to someone else
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed an inaccurate account being reported which is damaging my credit report. I have sent written request previously as evidenced by the attached letter however there has been no response. It has been over 60 days which is in violation of the FCRA.
Product: Credit card

I contacted XXXX around XX/XX/2017 concerning my spending ability increase. XXXX XXXX stated that my spending ability is set to {$5000.00}. I just checked my account today and that not the case.
Product: Checking or savings account

In 2018 my stepdaughters made some checks from my check book forged my signature and took XXXX from my account. Bank refused to reimburse the money even after I made a police report. Later she was arrested and did some time for the crime
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please accurately including every notation, date, and balance whether reported or not. 
[ XXXX XXXX XXXX ] [ Comenity Bank ] I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. 

You are in Direct violation of the fair credit reporting act has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I've contacted the company numerous times since XX/XX/2017 pertaining to a collection from XXXX that's reported on my credit report. I've requested that they send documentation validation the collection but they've failed to send me any documentation upon my request.
Product: Debt collection

At XXXX EST on Friday, XX/XX/2021, I missed a call on my cell phone from what appeared to be a local number XXXX ( XXXX XXXX XXXX. I called that number back on XX/XX/2021 at XXXX and asked if someone had called me. A woman asked my name I said this is XXXX, did you call me? She said yes, this is Capital Management Services and asked for my last name. I said you called me and Im not familiar with this company why are you calling. She said are you XXXX XXXX I stated that was my name, but its not now, can you tell me why youre calling, I dont think we have ever done business. I felt it was a scam. I XXXX  the name and it appears it may be collections, only I dont have anything that would have gone to collections. She said I cant tell you without your name, birthdate, or last 4 of your social. I said Im not giving you my info over the phone unless you identify what yorur company does. She proceeded to try to get my info. Birthdate and last four of social. I finally gave month and day of birth and she told me there was a discrepancy in the date she had versus what I provided ( stupidly I gave her the correct date ) so she wouldnt be able tell me anything without the last 4 of my social. I said I dont ever give my social to anyone over the phone ... nice try ... and hung up. Any legitimate company would tell you who they are and why they are calling and Im pretty sure collections has to identify themselves. I want to report them for fraud, misrepresentation, illegal, and unethical behavior. I found many consumer reports regarding similar tactics. I also read they try to collect debts that have already been paid or charged off. I dont understand how they can continue to get away with this.
Product: Credit card or prepaid card

I submitted my payment to Capital One a month ago for the full balance of the bill, which was around {$2000.00} dollars. I'm accustom to paying large payment dollar amounts on my credit card bills to keep my debt ratio low as possible. I deposited my pay check into XXXX XXXX XXXX two days prier so I could pay my bills on time, XXXX XXXX XXXX, while deposited my check, coded my check incorrectly and the check didn't go into my account on time to pay my bills. n the mine time I received an email from Capital One stating that they received payment, so I started using my card again. I wasn't aware that my check was improperly deposited in the bank by the teller that waited on me that day. I only found out when Capital One placed a thirty day late payment onto my credit file. I've had this account now for about six months with no thirty day late payments on it. I pride myself on having good credit. I work very hard at it. It's not my fault XXXX XXXX XXXX screwed up my payment.
Product: Credit card or prepaid card

the debt is hurting me make progress with becoming a homeowner. I have no awareness of this account. I've asked for a copy of the contract with my wet signature. I asked for the method of verification they used before reporting any information to a credit reporting agency with out my permission.
Product: Money transfer, virtual currency, or money service

I am willing to formally express my concerns regarding XXXX 's handling of disputes. partially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Checking or savings account

The email address of the company ( XXXX ) that I was interacting with to send a XXXX land investment was spoofed I received fraudulent wiring instructions to a XXXX XXXX  on XX/XX/XXXX from XXXX XXXX XXXX email. I acted in good faith, sending 2 wires each of XXXX on XX/XX/XXXX and XXXX thinking the info was legit. 

ACH/Wire Instructions of Fraudulent/Incorrect Stable Account that the wires were sent to : Business Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Bank Details XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX # XXXX Account # XXXX On XX/XX/XXXX, I was informed by XXXX XXXX that the above bank details is not XXXXXXXX XXXX XXXX The reason is XXXX has informed me that XXXX XXXX is not their account and that their emails were likely spoofed. I also attached report from an independent 3rd party that XXXX 's website/email settings are not protected against email spoofing.To that end, I initiated a wire recall claim with Chase Bank. 

I filed a Wire Recall and Fraud claims with my bank Chase on XX/XX/XXXX. These are the claim numbers XXXX and XXXX. This is the case number with the XXXX Police Department XXXX XXXX : XXXX. I also filed an internet crimes report with FBI ( Report Attached ). 

Chase denied my claim because they determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

GM Financial repossessed my XXXX XXXX XXXX and never gave me a chance to correct/continue with the retail installment contract, when asked about the loan and the balance and reinstatement the process went south and they responded with making full payment of the loan which was less than XXXX  months old, they then put an amount of $ XXXX dollars in past due payments and it has been a year and they have it listed as a collection/chargeoff? Why is it there, they sold the vehicle at auction and I never recovered the car and its preventing me from getting a new loan, please come to my aid and help resolve this stain on my credit. I appreciate your prompt attention to this matter.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Bankruptcy Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined for a Credit Card, which is fine. My problem is that one of the reasons given was the on my report for the XXXX, the one used for this application, I was told a reason for the denial is not enough accounts Current. I have never had a late payment, and every account is current. 

I was told to check with XXXX. I did. No account was anything other than current. 

I asked to see the report that you used on XX/XX/28, as is my right under the Fair credit reporting act. I was told Id get a letter in the mail, which would not contain the details of the report used. So I am still left without answers as to what you saw that was not current. I have referred to the credit bureau as directed and pulled my report also, and there is nothing. 

I have a legal right to the information you used to make this determination. I would like the report you pulled mailed to me. I believe you are completely mistaken and there was never anything not Current.
Product: Debt collection

Upon a detailed review of my current credit report, I identified multiple fraudulent accounts that were added without my authorization.