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

On XX/XX/2022, I made a bitcoin ( of XXXX unit ) purchase on Coinbase XXXX using the majority of my cash balance of {$20000.00} at noon. However, the transaction didn't seem to go through as the purchase wasn't shown in the portfolio balance but the cash balance dropped by the amount purchased. So I reached out to Coinbase and asked for a resolution. The technician didn't know the issue and planned to seek his colleague for help. Around XXXX I got a call from XXXX XXXX who claimed to work for Coinbase to help me with my issue. He said the transaction didn't go through due to the need for my ID verification. He then sent me an email asking for my driver 's license and then sent all my bitcoin balance of ( {$48000.00} for XXXX units of Bitcoin + XXXX cash balance ) at Coinbase XXXX to an unknown blockchain address. He then hung up the phone. I contacted Coinbase customer service and they said they can not revert the transaction and they don't have a strict regulation on bitcoin transfers to any external address. Also, they don't provide FDIC insurance of any amount either. 

I would like for CFPB to contact Coinbase to investigate the poor customer service they had in terms of providing security and protection to its customers.
Product: Credit card or prepaid card

This is a follow up to my original complaint and a response to the correspondence from Comenity Capital Bank. 



Dear XXXX XXXX, Thank you very much for your response to my complaint filed with the Consumer Protection Finance Bureau, I appreciate it.

However to truly address my concerns you would have to take note that the situation happened as a result of the misleading information that was given to me by your representative. I was falsely informed that the {$40.00} turned {$54.00} late fee due to XXXX XXXX XXXXXXXX was going to be waived by your bank that was taking over the XXXX credit card. 
I stupidly trusted what I was told and did nothing, sadly that resulted in me accruing {$120.00} late fees, a late payment notice to the credit bureaus affecting my credit score, and my request to close the account being ignored for almost four months until filing this complaint. 

I appreciate you waving the {$5.00}, however to get the resolve that I believe I'm owed would mean you investigating my account further, realizing I made one charge on the XXXX XXXX account and paid it in full ( though my check went in the mail late ), which resulted in the excess fees from your bank. I'm totally fine paying the original {$40.00} late fee that was owed to XXXX but would like ALL of the additional fees that you charged me resulting from the misleading information given by your representative reversed, and a check mailed to me. 



Thank you very much in advance for your consideration.
Product: Credit card or prepaid card

I purchased a house on XX/XX/XXXX and had my credit report ran previous to that date. My credit cards were sitting higher on the balance side, due to purchasing the home ( buying products/paying for things to get out of a home lease ). So, my balances were a tad bit high but within ' the credit limits. 

Citibank terminates my cards prior to today XX/XX/XXXX. 
Their reasons were defined : " revolving balances are at or near credit limits ''. This is absolutely absurd. I have a credit limit for a reason. I am not over my limit, I am not exceeding. I am AT or NEAR the limit. 

This is completely discriminatory. This company approved my credit limits and are now cancelling me because I am *NEAR* the balances and they decide to cascade the information to me and leverage their poor " Fair Credit Reporting Act '' legalities and their absurd policies. This is not appropriate and is a horrible experience. Considering the 3 cards I had with Citi, only one was near the credit limit. The other two were fine. 

My revolving credit is generally LOW. 
I have LOW credit limits - purposely.
Product: Money transfer, virtual currency, or money service

one of my last 2 biggest transactions have been sent to the wrong person and it was sent to the wrong person although the number was registered to another account
Product: Credit card or prepaid card

I had a similar problem a couple years ago with PayPal/Synchrony where my payments would not go through even though I had the funds available and PayPal had my banking information. I was just informed by the Office of the President of Synchrony that PayPal has taken over all transactions, and that in XX/XX/2022 they disenrolled me from automatic payments for my XXXX. I have been paying my PayPal credit account via check since the first issues, but the XXXX payment was able to be paid via automatic payments. Now none of my bank accounts are available on the PayPal website and I am unable to add them. I have tried unsuccessfully on multiple occasions. When I call, they refuse to help me. This problem has been aggravating and detrimental to my credit. I have had the bank accounts linked to PayPal for at least 20 years without any problems until they became associated with Synchrony. Now Synchrony states they don't have the ability to link bank accounts to a credit card they fund and PayPal indicates they can't and won't help. I want all late funds reimbursed and payments due held without fees or delinquency until they have properly linked the bank accounts. I have spoken with PayPal and Synchrony on the following dates. XXXX XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. 1681 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 account without my written instructions.
Product: Credit card or prepaid card

I made a purchase on XXXX at XXXX in XXXX XXXX XXXX XXXXXXXX Illinois for new Counter Tops as well as other home improvement items. The purchase amount was for {$3900.00}. Synchrony ( Through Lowes ) was offering promotional APR of 5.99 % for 84 months with a fixed payment which would ensure the purchase would be paid off within 84 months. In reviewing my statement this month I identified that due to an error by either the Lowes store or Synchrony Bank this promotional APR was not applied to my account and Synchrony has been charging my account interest on the purchase at an APR of 24.99 %. To date they have over billed me in excess of {$1000.00} in interest charges. I contacted Synchrony to ask that they remedy the situation by crediting my account for the over charged interest and move the remaining balance to the correct interest rate for the remaining life of the promotion. The agent I spoke with acknowledged that there was likely an error by Lowes when ringing up the purchase and also acknowledged that I had taken advantage of this promotion previously on another purchase which seemed to corroborate my explanation that I should have received the 5.99 % promotion. After speaking with an agent and her supervisor they both refused to honor the promotion. They informed me that I needed to reach out to Lowes and get a copy of the original receipt and have the store re-ring the purchase so they could make the adjustments. I expressed my dissatisfaction with this because it should not be my responsibility to fix a mistake caused by Synchrony or Lowes ( Their 3rd Party Provider ) and  require me to drive 30 minutes from home to a store to do so. But regardless, I reached out to Lowes.  They have not sent me the requested receipt and the phone agent from Lowes indicated that even with it the store would not be able to do what the Synchrony Reps suggested. At this point I am still looking for Synchrony to honor the terms offered to me which I accepted.
Product: Vehicle loan or lease

I've been paying my auto loan in advance and from my understanding from the person that I spoke with there are no penalties for paying early. 
But yet I am being charged outrageous interest by at least XXXX of the total monthly note. I called previously to their office and was told by the manager, that they charge interest daily, as well I can except the fact of a base interest amount. But I'm being charged as if I'm late and just allowing the interest to pile up this is the XXXX time this has happened. To give context, my car note isn't due until XX/XX/year> I paid {$420.00} with a {$5.00} fee on XX/XX/year> and the amount that XXXX XXXX XXXX pocketed was {$270.00} in interest, mind you the bill isn't due until XX/XX/year>. Help me understand how they were able to calculate and collect on a bill that's not due.
Product: Credit reporting, credit repair services, or other personal consumer reports

we contacted the XXXX  XXXX  company in regards to the balance we paid off last year and they still haven't reported the paid off on the account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate The consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements Under electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress For these violations.
Product: Money transfer, virtual currency, or money service

I bought a pair of leggings for my wife on a website on XX/XX/XXXX and after several weeks I didnt receive any shipping information from the seller. I contacted the seller via email and requested that my order be cancelled and money returned. The seller stated they would contact me to resolve but they never did. I filed a dispute with PayPal and advised the. That I never received the products that I bought. PayPal looked into this and magically the seller sends PayPal a tracking number for USPS. Keep in mind it has been several weeks since my order and I never received this tracking number. When I look up the tracking number it said it was delivered by usps on XX/XX/XXXX. I absolutely never received this package. After further research into this company I found numerous websites stating that the company was a scam and that they will never send you what you bought. This was shared with PayPal but they did not listen to me. They said that since the tracking number said it was delivered there was nothing I could do. I dont believe that PayPal really researched this issue and if they did that did a half XXXX job. They were next to impossible to contact and no help at all.
Product: Prepaid card

XXXX unauthorized purchases were charged to my cashapp card I requested a refund and it got denied I called customer service they have yet to fix it it was a charge of {$20.00} and then {$30.00} this was on the XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings my name is XXXX XXXX  My Only Social Security number is XXXX My Address is XXXX XXXX XXXX XXXX XXXX VA XXXX. 
I am self-employed, I have a driving school. I train people how to drive. My credit is like around XXXX or it should be around XXXX or more with the 3 Credit beurres, XXXX, XXXX, and XXXX. But for some reasons each time there is information that is lowering on my credit appears not mind. it lowers my credit report for home buying. 
It refuses me credit most of the time. I got denied for credit cards and auto loans and home buying. I do not know what to do. it is a complication I have it is keeping me behind and not so much of credit I disserve more credit. please help with this matte email Guide me. 
thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. 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 XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2016 Balance {$33000.00}
Product: Money transfer, virtual currency, or money service

Zelle failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Debt collection

Fair Collections and outsourcing agency have sent letter to me attempting to collect a debt that is not owned by me. I have notified them and let them know they are a third party attempting to collect a fraudulent debt. I have sent them a copy of FTC report. I am by no means going to tolerate them bullying me into taking responsibility of debt that is not owed by me. I have told them to seise all communication and attempts to collect debt not owned or I will take legal action against them. This collection agency is in complete violation of Fair Debt Collection Practices Act.
Product: Mortgage

My husband would like to be clear about escrow account because we have been trying to pay more of the escrow but we still see that the escrow account is still growing and growing up too fast and we are scare that the monthly payment of the our home continue get rising more and more every year and the explanation of the mortgage is that they make an estimate of the rising of the taxes and insurance and thats the reason we have to pay {$300.00} more of the original monthly payment {$1400.00}. Additional from our monthly payment they took XXXX XXXX monthly from our mortgage payment to the escrow plus this year we pay to the escrow our home taxes for XXXX. We have paid for the escrow {$8100.00} and stool have a balance of {$5200.00} and the problem is that they are not enough clear of the quantity that we have to pay to the escrow versus the quantity we have been paying.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX a.m on XX/XX/2018 I received a dispute alert from Experian with a report no XXXX. I reviewed the results, XXXX XXXX still remains and address was changed to XXXX XXXX XXXX, Md XXXX with an address id XXXX. On Experian it has became common practice for creditors to intentionally report errors to personal information to avoid the main dispute. Experian has not resolved dispute instead they offer consumers products to avoid errors etc that I find they participate in. 

I went to the section to dispute items it says XXXX XXXX dispute still under investigation. Experian alleges they are not the one to  update consumer address. Experian allows creditors to put anything they want on consumer file without verification but show bias in disputes.
Product: Student loan

Mohela is claiming I owe $ XXXX in loans on my credit reports when in reality my balance is paid off and the balance is {$0.00}. The loan was forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX whose information I believe is pulling on my report including inquiries. We have same dob and similar names
Product: Checking or savings account

On XXXX, I used the Bank of America app to make a transfer of funds from my checking account to my credit card. The balance on the card was XXXX. I typed in XXXX which was my desired amount to pay. When I reviewed the scheduled payment amount, I saw that the app took XXXX out of my account instead of XXXX. After checking to see if there was an edit or cancel option ( which there was not ) I immediately called Bank of America and told the person on the telephone line about the mistake. She told me I would have to wait until the next day to correct it as the item was processing. I called the next morning and had great difficulty getting through to a live person. I was disconnected several times because the issue I was calling about was not on any of the menu choices. When I finally got through I made a complaint about the app not having the ability to cancel the transaction, as well as requesting a refund for the overcharge ( a simple general ledger correction. ) The call took XXXX minutes, and I was told that the refund would take XXXX days. 

I checked my account and the refund was not issued. On the XXXX day I called again ( XX/XX/XXXX ). This time I was on the phone for XXXX minutes. I was told by XXXX that when she called the credit card services they only found the record from XXXX. The agent told me that a mistake was made and they refunded me an overcharge of XXXX, so a refund of XXXX was requested. I asked for the call to be escalated and spoke with XXXX who identified herself as a supervisor. She was not helpful except to inform me that there was an investigation into the matter and it would take an additional XXXX days to resolve. I said I was unhappy with all of this. I had requested the XXXX dollars since XXXX and if the amount wasnt refunded I would file a complaint stating that Bank of America would not give me my money that I requested. Here we are on XX/XX/2022. There is nothing posted to my checking account. There is no consideration for how this is affecting the management of my funds. Bank of America now has had my money interest-free since XX/XX/XXXX because of a glitch in their software.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFB ) the document needed and a letter from an advocacy group helping me due to human XXXX  debt XXXX, which falls under XXXX  according to XXXX-debt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair Credit reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information XXXX. please delte the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank provides different level of service to consumers who prefer not to communicate via telephone. 

On XX/XX/XXXX, I received a voice mail from Citibank. The message was transcribed by my assistant as follows : " Hi, this message is for XXXX XXXX. My name is XXXX calling from citicards executive office regarding some feedback that we received two complaints a my typical hours when she is manager XXXX, I'm typically email to report a sorry XXXX to XXXX Eastern Time Monday through Friday. I am going to be out of the office this afternoon, and we'll try to reach you at another time. If you have time and can call me back. My phone number is XXXX. '' The same day I logged into my Citicards account online, started a chat session into which I pasted the message above and informed Citigroup that XXXX of Citicards executive office should be informed about my communication preferences since I prefer not to communicate via the telephone and would like to receive communications from Citigroup in writing ( electronic messaging system would be fine ). 

The next day, Friday XX/XX/XXXX around XXXX XXXX I received another voicemail from Citigroup that was transcribed by my assistant as follows : " Hi, this message is for XXXX. My name is XXXX calling from citicards executive office regarding feedback that's received from the cfpb rezoning about a complaint filed with that. My phone number is XXXX. Call me at your convenience. '' It seems to me that Citigroup representative with whom I chatted online on XX/XX/XXXX for more than 1 ( one ) hour, failed to inform Citigroup 's executive offices about my communication preferences.