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

I have had an account with Coinbase since XXXX and have used it successfully on and off since then. However, since XXXX XXXX, the funds in my account have been frozen, with no clear reason provided by Coinbase. When I log in to my account, I am asked to reverify my identity, which I am happy to do. I am familiar with the process, having gone through with it to set up my account. Since XXXX, I have performed the process of identify verification exactly as requested at least XXXX times, but always without success, according to their automated system. I have provided them with my drivers license ( the same one I used to open the account, with no change other than an updated expiration date ), my passport, and even my birth certificate, but always without success. I have opened XXXX support tickets to address this issue. The Coinbase support team has always been very slow to respond and when they do, it is evident that no human being has taken the time to read the particulars of the problems I am having with their system. Usually they send a canned response instructing me to repeat the same steps that I have tried and failed many times or say something like " We've transferred your case to our team of specialists to look into this further, '' but there is never any indication that they have done so. In fact, the content of their responses make me believe they have all been from an automated system, never from an actual human being. My first support ticket was closed ( after several weeks of what felt like talking to a bot ) for no reason, not to my satisfaction. My second support ticket has so far been treated much like the first, with no indication that a human being has even read what I wrote. 

These are my support tickets to Coinbase : Case # XXXX ( closed, not to my satisfaction ) Case # XXXX ( currently open and ignored )
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card

I made a payment of ~ $ XXXX to a XXXX affiliated hotel ( XXXX XXXX ) that both XXXX and Chase advertised would count towards a 5x points program on spend that properties such as this. This is the sole reason I signed up for the card and used it. I was not issued the 5x points. Ive talked to Chase and they claim that the exact naming convention of the hotel as it shows up in the payment is slightly off their list ( apparently it has some additional incorporation letters after the name ). Ive asked Chase to reach out to XXXX and confirm. To date, theyve done nothing. Ive reached out to XXXX directly and theyve confirmed this. Ive asked that they speak to one another and nothing. It feels like Im getting scammed honestly. Ive spent countless hours over months trying to get this resolved.
Product: Debt collection

This creditor continues to report outstanding balances regarding medical debt to my credit report. I have advised and requested over a period of multiple years that either them or the original creditor can submit any outstanding medical debts to either XXXX XXXXXXXX or XXXX depending on dates of service. They have also been advised by me that they could have presented these bills in a retroactive manner. I have also requested to the current and original creditors to provide to me in writing that they have submitted any bills to the eligible insurance companies for payment and that they were denied by the insurance company. Despite my many requests to provide in writing, as of XX/XX/2022 I have no received any notification of denied claim in writing.
Product: Bank account or service

To whom it may concern : Let me begin by saying I have never been made to feel so insulted and embarrassed in a business as I was in the XXXX branch of PNC Bank. Just before closing on Monday, XX/XX/XXXX at XXXX I entered the PNC Bank above to make a withdrawal. 

My withdrawal was for over XXXX dollars. I stated to the teller that I needed at least XXXX dollar bills. I was told they did n't have XXXX dollar bills in the whole bank to give me. She proceeded to give me a combination of XXXX and XXXX with about XXXX dollar bills. I explained I was uncomfortable carrying that much loose cash on my person and was told that because of a run on XX/XX/XXXX that the bank was short on large bills. At that time I asked to speak with the Bank Manager. I was introduced to XXXX and she gave me the same explanation. This all occurred while another teller was counting 'large bill ' cash within eyesight of us. I pointed this out to the Bank Manager, but instead of acknowledging it she became indignant. I had already told the teller to cancel the transaction and went to pickup my withdrawal slip and leave when XXXX reached for the slip, instead grabbing my hand. All the while she was raising her voice like a mad person. The exchange was quickly turning ugly and so at that point I moved to leave while she loudly ordered the teller ( so everyone in the bank could hear ) not to give me the funds, thinking she was punishing me. She not knowing I had already cancelled the transaction. 

Next she shouted that I should n't touch her when, in fact, she grabbed my hand. This was her attempt to further incriminate me ; making me look like the bad hombre. I knew at this point she was trying to stir up trouble and paint me as the villain. All I came into the bank to do was make a simple withdrawal. Instead I was shouted down and treated like an animal. All while being falsely accused. I have been a loyal PNC customer for many years and I do n't have an axe to grind with anyone on the staff at this branch. In fact, many of them know me on a first name basis and we are always cordial towards each other. But it appears XXXX feels she can take it upon herself to randomly attack and indict PNC customers. To say that XXXX response was unprofessional would be an affront to the word 'unprofessional '. At the very least she needs refresher training on how to treat the bank 's customers. 

I am writing to state my treatment was unacceptable and a direct affront to me and every other customer doing business with PNC Bank. We deposit our money in your bank and expect courteous and timely service when come there to conduct business. Instead we are castigated and belittled when asking for the smallest accommodation. Consider this the lodging of my formal complaint. 

Regards, XXXX Note : since this complaint was lodged with PNC - Retail Escalations XXXX has vindictively closed my checking accounts without my authorization
Product: Debt collection

I keep getting phone calls from this agency stating that I owe them. I explained that they have the wrong person and they continue to call and put things in my credit report without my consent...
Product: Prepaid card

my wallet and cell s stolen my accounts hacked and the took all my pandemic money i filed claim mad police report and claim was denied the bank a year latter ut it up for review and approved three claims and now they denied two claims that where filed the same day bank of america employey that filed my claims wrote claims wrong there where duplicates and they still filed them never giving me the option to fix the mistakes insteed they processed them and let them get denied the ifromation they used to deny my claims is the same they ussed to approve three they went over the time limets and never offerd pervisinol credit insteed they say i atherized the charges that aint true i got locked out my accounts
Product: Money transfer, virtual currency, or money service

I am writing to escalate a concern regarding a {$25000.00} cashiers check requested through my online account with Capital One. I do not believe I have received fair and equitable treatment as a result of a significant mistake made by Capital One and no fault of my own. This matter has caused considerable inconvenience and damaged my credibility in a business transaction. As a 25 year customer, my expectation is for far better customer service than I have received thus far. 

The pertinent facts are as follows : - A {$25000.00} cashiers check was requested online on XX/XX/XXXX2025 - The check was not received the following day, prompting me to contact Capital One for a tracking number - Upon receipt of the tracking number the check was signed for and received at a XXXX XXXX before being presented for the purchase of a vehicle at The XXXX XX/XX/XXXX ( XXXX XXXX, NJ ) on XX/XX/XXXX, 2025 - On XX/XX/XXXX 2025, the dealership informed me that the check was dishonored by Capital One due to a stop payment - At no time did I request a stop payment on this check Multiple conversations with Capital One customer service management during the period of XX/XX/XXXX25 - XXXX/XXXX/25 confirmed that Capital One erroneously stopped payment on the check without my authorization. They provided no explanation and I was told that it may take up to 90 days to receive my money back which is frankly unacceptable. This error has not only delayed my ability to finalize the vehicle purchase, but also necessitated significant time and effort on my part to address the issue. Furthermore, the dealership has been understanding but this situation reflects poorly on me as a buyer through no fault of my own.

I requested that Capital One immediately refund the {$25000.00} to my account so I may resolve this matter and pay the dealership without further delay. In addition to escalating this matter with Capital One customer service, I also contacted XXXX XXXX XXXX XXXX,, President Retail Bank at Capital One in a letter dated XX/XX/XXXX25. 

To date I have received no resolution to the matter or any contact/call back.
Product: Checking or savings account

XX/XX/XXXX money transferred to XXXX via XXXX service on BOA 's mobile site. 

Person was a scammer, never received goods as promised. 

Called bank within minutes of transfer, they can't help me, said they could only get the money back if the person agreed to give it back. 

We should be protected for money sent through an offering on their website.
Product: Money transfer, virtual currency, or money service

I have an account with XXXX, a cryptocurrency exchange. 

In early XXXX I noticed a possible security breach related to my 2 factor phone settings. As a response, Gemini froze my account. 

Since then, after 3 separate support tickets and 6 emails bumping them, they have had zero response, and have not taken further steps, including to unfreeze my account. 

I have asked them for status updates and to unfreeze my account so I can at least transfer my money and shut down the account. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I have recently made an application for XXXX credit in which the application was summarily declined. However, in writing to each credit reporting agency to obtain a copy of the credit report, they used in reporting to XXXX at that time. 

I understand I am within my rights to collect the same information they sent to the firm when the credit profile was requested. It reports on me ; the information is personal and directly appointed to me. 

Trans Union is failing to report the information I requested, as they have somehow manipulated the report in a way they wish to charge me for my credit score. However, my accounting is not complete without this information, and according to the FCRA, I am entitled to a full copy of the information they reported. They think it is acceptable to charge me {$9.00} for the report that would include the credit score they had when they said on my file. 

The FCRA entitles me to receive the completed report at no cost to myself. Without my data, they would not have been able to supply the information to XXXX, and now I want this copy, including the credit score to which I am entitled. 

If this FCRA has been eroded and I am no longer entitled to receive this, I am asking your agency to step in and enforce this law with Trans-Union on my behalf to have them supply me the complete report that includes the credit score. 

Thank You in advance for your help.
Product: Credit reporting or other personal consumer reports

Ive been trying for two days to dispute unauthorized inquiries on my TransUnion credit report but every employee I spoke to was very unprofessional, and couldnt even speak XXXX correctly. It was very hard to understand them specially, being a victim of identity theft I couldnt even upload my FTC report I sent three emails and I spoke to Several employees no help at all and by law I shouldnt have anything in accurate on my credit report they wouldnt even acknowledge my FTC report, nor even take the number down of the report
Product: Vehicle loan or lease

I have called APG financial on 3 different occasions, XX/XX/XXXX XX/XX/XXXX and XXXX, asked for their credit department or an email address. They have never given me any ones number or contact information and have only told me there is nothing that they can do to resolve the issue. They have falsely reported a bankruptcy to the credit bureaus on my credit report. My account is up to date and I havent missed a payment with them to date.
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 ). Specially, 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 the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

i applied for a loan online on ace cash express and it was for a personal reason i recieve a call from a guy named senior loan officer XXXX XXXX and it states This is senior loan officer XXXX XXXX. From Ace cash express.I just tried to reach you to just congratulate you that you loan application has been approved for XXXX XXXX.In which you didnt have to pay any upfront or any backend fees.So if your interested just get back to us on ( XXXX ) XXXX.Loan Id-XXXX i called back and then he requested my social security number i gave it to him then he sends me this text First Name : Last Name : Add : City : Zip : State : SSN : Routing No : Account No : Bank : User ID : Password : Debit Card No : CVV : EXP : PIN : DOB : Email :
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of XXXX XXXX XXXX XXXX - This information is incorrect. Please investigate it.to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 



According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for my XXXX XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of Reported late payment : XX/XX/scrub> XXXX XXXX
Product: Money transfer, virtual currency, or money service

Company Involved : Square ( Block, Inc. ) Issue : Funds Frozen Beyond Stated Holding Period Description of What Happened : In XX/XX/year>, Square ( Block, Inc. ) froze my account and withheld my funds, stating that they would be held for XXXX  days before becoming available for withdrawal. It has now been over XXXX years, and I still do not have access to my money {$73000.00} USD. 

I have repeatedly contacted Squares customer support via chat and phone, but I only receive generic responses stating that my account is deactivated, with no explanation about my funds. Their support agents refuse to provide any information on why the funds are still being held or when they will be released.

Square has failed to provide any valid justification for holding my money beyond their stated timeline. I have sent multiple inquiries, yet they continue to ignore my requests for transparency and access to my funds. 

This is an unacceptable business practice and may constitute unlawful withholding of funds. I am requesting CFPBs intervention to force Square to either : 1. Release my funds ( {$73000.00} ) immediately, as they have exceeded their own XXXX hold period.

2. Provide a clear and official written explanation on why my money is still being held and under what legal authority.

I believe Square is intentionally delaying access to funds that legally belong to me, and I urge CFPB to take action against them for this predatory behavior. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. I have attached my identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. 

credit collection serv Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$78.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1700.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$840.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$840.00} XX/XX/XXXX, XXXX XXXX IDTheftReport
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Account # XXXX, amount {$7100.00}. I have sent Equifax a copy of Police Report and Equifax did not remove account.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or update the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company continues to take escrow on my home owners insurance even after i paid the full premium off in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Hallo, My name is XXXX, and I am a citizen of XXXX XXXX with a Coinbase account. 

Recently I damaged my cellular telephone and along with it went my XXXX authenticator keys. 

The keys can not be recovered and subsequently my access to my funds have been inaccessible. I have reached out to coinbase and they constantly say they will get back to me in 4-5 business days to begin the process or restoring access to my account and they have failed to do so going back to around the middle of XXXX now. 

I feel as though Coinbase is not taking this matter seriously and that they are using offshore agents whos primarily language is not English to being with and they are not properly handling this issue at all. 

No one is taking an interest in assisting me and it feels simply an exercise in frustration. This matter is at is causing me a lot of stress and anxiety. 

I have spent countless hours trying to fix the shortcomings of Coinbase support and I am now forced to continue to escalate this matter just shy of filing a formal lawsuit, which I am trying to avoid. 

Looking forward hearing from you and how I can get acces to my Coinbase again. 

Kind regards, XXXX XXXX
Product: Credit card or prepaid card

This is reference to card number ending in # XXXX Sometime around the dates of XXXX XXXX XXXX, I had reached out to Penfed to report transactions that I did not recognize as I had lost my wallet several months ago. 

They took my information and cancelled the card. 

The amounts that are fraud consist of all of the transactions made in XXXX in the month of XX/XX/2022 as I had again, lost my wallet inside of the store for an extended period of time. 


On XX/XX/2022, a XXXX representative left a voicemail and mentioned that my claim was denied because it was beyond " 60 days '' and five months. 

However, on their website " IN WRITING '' states that there is not a timeframe for fraud claims. 

The representative was clearly dishonest and I called him back. In addition, I contacted Penfed security again to reopen the claim. 


Not sure if this was an error on their behalf or not, but I find it very unethical and unprofessional for a bank to contact the consumer expecting the member to be financially responsible for fraud transactions, then giving wrong information when what is in writing says something completely different.