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

This account is showing in error. I dont have any debt dated with that balance im asking for a removal of this account asap. As this is a form of identity theft.
Product: Money transfer, virtual currency, or money service

The Coinbase website says that ACH transfers are free for deposits, but does not state whether there is a fee for withdrawals. They do state that for wire transfer deposits there is a {$10.00} incoming fee, and a {$25.00} fee for outgoing wire transfers. I believe this is a deceptive marketing practice, because they either charge {$25.00} for outgoing ACH transfers, or default you into a more expensive {$25.00} wire transfer fee. A second deceptive marketing practice by the company is that when you place a withdrawal in the XXXX app, they show you a confirmation screen for a withdrawal of the full amount, but then hours later send you an email with a small disclosure that you are being assessed a " {$25.00} Banking Fee ''. The fee is not described as a wire transfer fee, or a bank specific fee, it is just a generic " {$25.00} Banking Fee ''. I believe this is deceptive because if the XXXX application shows a screen that makes you think the full amount you requested is being sent to your bank, but then hours later tell you that you will be getting less money via email, if you do not read the email, you will not know you are being assessed this fee. On X/XX/2017, I made a withdrawal from my Coinbase account for {$290.00}, and they showed me an app confirmation screen for a withdrawal of {$290.00}, but later sent me an email for stating that my withdrawal amount was {$260.00} because of a {$25.00} banking fee. I checked the Fees and Disclosure page but no " {$25.00} banking fee '' was listed, and they claimed that ACH transfers were free. I also did not opt or request a wire transfer, and so I do not know why I was assessed the fee. In summary, I believe Coinbase is violating multiple Federal laws. I believe that they are violating FTC Truth in Advertising Laws, since they deceptively advertise their fee structure. I also believe that they are violating SEC laws as my fiduciary. If virtual currency is treated as property for Federal Tax purposes, than Coinbase has a fiduciary duty to do what is in my best interest. By charging  excessive and undisclosed fees, I believe that they are in violation of the law, since it is not in my best interest to be assessed those fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring with XXXX XXXX XXXX and XXXX XXXX and was made aware of application and account with XXXX XXXX on my Transunion credit report. I have filed a Police report indicating account is fraud and sent necessary information to XXXX XXXX fraud Dept. We have called XXXX XXXX to verify they have received all documents needed and closed account as fraud. I have never been associated with XXXX XXXX and want this erroneous information removed from my file.
Product: Credit card

Looking at my PayPal Mastercard Statements for XXXX and XXXX, I noticed two charges for XXXX XXXX XXXXXXXX. One on XX/XX/XXXX, for {$8.00}, and one on XX/XX/XXXX, for {$34.00}. I had never heard of XXXX XXXX, so I XXXX  and discovered it is an " optional purchase '' that can " cover your minimum monthly payments or entire balance. '' I never made this optional purchase, but the fees for this payment security have been added to my credit card 's balance. Upon further searching, I discovered that this is common with PayPal 's credit card and that many users have been enrolled in this optional payment security and have had charges added to their credit card balance without their knowledge or consent. 

Just this week, I had to call PayPal credit card customer support several times because they added the payment I sent for my bill to my balance and said I still owed the minimum due. I also noticed they had charged me a late fee twice for the same late payment. After much hassle and emotional stress, the returned the late fee that was the second charge and marked my minimum payment as paid. I am still concerned that they are going to tell me I owe the same month 's payment again. 

I called the number at the bottom of the XXXX XXXX charge that said it was a XXXX number. Even though it was the number at the bottom of the charge I was calling about, they could not help me with the fact that I'd had two charges added to my balance without my knowledge or consent. I was given another phone number to a department that is already closed and told to call on Monday. I informed the representative that I was talking to to make a note that I would be filing a complaint with the Consumer Financial Protection Bureau and that I hoped the department on Monday did the right thing and removed the charges from my balance and did not add any further charges, and that I hoped the report would keep them from doing this to anyone else, since this seems to be a common act of fraud with this credit card company. 

PayPal 's Mastercard, which is provided through Synchrony Bank, needs to be investigated for fraud. If I had done a single search before applying for this credit card I would have realized that they are frequently giving consumers hassle over their payments not being applied correctly, that people have closed their account only to discover that XXXX XXXX fees are creating a balance on the account they thought they closed, and people have a hard time getting any help because the customer service representatives don't seem to be trained at all. Enrolling a customer in an " optional '' program without their consent and adding charges to their balance without their consent is theft and fraud. 

Something needs to be done about this bank and PayPal needs to find a new bank to provide their customers with credit cards.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I received an email saying my payment was due for {$27.00} on XX/XX/XXXX On XX/XX/XXXX I received an email saying my payment was 1 day past due for {$27.00} On XX/XX/XXXX I received an email saying my account is 15 days past due for {$27.00} On XX/XX/XXXX I paid the balance in full and closed the account How do I get a 30 day late payment for something paid 15 days past the due date, at most it is a late payment fee. This should not have impacted my credit I have reached out to this company before about reporting wrong and not updating balances and they froze my account. They took almost 3 months to respond and haven't responded to my message I sent over a week ago, not even a " we received your message '' respond either I have attached all proof emails from this company
Product: Debt collection

I will try to be brief ... On XX/XX/2017 around XXXX. I received a phone call from my girlfriend stating that an investigator was trying to reach me. She told me that he needed to talk to me about a matter that will be held downtown in court tomorrow. While on the phone with her, I received another call on the other line from a man who claimed to be a " Fraud Investigator '' for XXXX. He insisted that a fraud case was coming up the next day in court and that I needed to be present .. This was a lie and I found out that he was an employee for Devon Financial a XXXX. I then related to him that any XXXX i had was discharged with my bankruptcy. I also explained that I was a retired XXXX XXXX and what he was saying wasnt true. He became irate with that and proceded to call me a " XXXX! '' My immediate response was " What Did You Just Call Me? '' To which he responded, " You Heard Me! '' I then told him I will be making a complaint and hung up. Now this type of conduct is very unacceptable, unprofessional and above all " XXXX '' and needs immediate attention and more screening of your employees. I really look forward to hearing from your office regarding this matter. I thank you in advance. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX On XX/XX/2024 I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.
Product: Checking or savings account

PNC changed the order of transactions to allow a pending charge of $ XXXX XX/XX/XXXX to pull from the avail account balance before two charges {$2.00} & {$1.00} that were pending 1-2 days prior to the {$20.00} charge and have already posted to the account. Therefore causing two unnecessary overdraft fees of {$36.00} each to be charged to my account on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

I am writing to express my extreme disappointment in XXXX policies and procedures on handling disputes with regards to and in light of the recent CFPB lawsuit highlighting significant misuse of the platform. Chase and XXXX have failed to investigate my claims adequately despite my ongoing use of XXXX and reporting discrepancies. They informed me that tracking and returning lost funds was impossible and unfeasible when in fact CFPB findings indicate that XXXX has NOT protected its consumers but also allowed for repeat offenders to access and exploit viable information and leaving users vulnerable to scams! The neglect of proper procedure, the misuse of privacy, the lack of accountability and lack of transparency, are all unacceptable! This is an extreme concern of mine and other consumers because its raises questions about my entire consumer safety! On top of this financial institutions charge you to maintain and host a business account which is what I have! So this entire time they were/are charging me to attend to my business account you were really making me pay for lack of coverage and lack of due diligence and responsibility and making me pay for them selling or exposing my vital information! I am so disheartened!
Product: Money transfer, virtual currency, or money service

I was trying to XXXX someone in XXXX  and I XXXX  the wrong wrong number I called Wells Fargo and they told me me it was nothing they can do about it, they expressed to me that I would have to get my money back from that person. I never received the money because I never could get in touch with that person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB in XX/XX/XXXX - your report # XXXX I heard nothing else from this company until I got a notice early this year on my credit report saying it was 120 days past due which made a big difference in my credit score This account was written off by the company and when doing that they decided to file this negative past due payment information So everything they say is not true. They have not been able to prove to me that this was a joint account by providing my original paperwork that I signed in XX/XX/XXXX They have not sent me any of these 120 days notice of late payments by mail or email
Product: Debt collection

I continue to dispute the debt and the payments I am making to the extortionists There was no balloon payment to XXXX XXXX  loan paid off in XXXX. 
The balance was paid off by the XXXX loan paid off in XXXX. 

The XXXX card was a fraudulent lien on a mortgage I assumed in XXXX I did not refinance. 

No one gave me any money. I did not borrow any money I paid {$75000.00} to the escrow account for less This is the {$27000.00} XXXX card. 
1. It is unsecured 2. Discharged in bankruptcy 3. It was prepaid 4. I used {$19000.00} with Interest 5. I paid back {$16000.00}.

6. I did not owe {$3000.00} interest. 

I owe them {$0.00}. 


They owe me {$27000.00} + XXXX they were just paid. 

They did not pay my taxes and insurance I already paid in my house
Product: Debt collection

This happen in XXXX, 2018 not sure what day but I got charged {$260.00} on my debit card, dont know who did it but I called XXXX they couldnt help me so I called my bank and tried cancelled the payment and I replaced my debit card for security reasons, chase refunded me the money but now the 3rd party is trying to charge me ...
Product: Credit card

In XXXX XXXX XXXX  I arranged my wife a trip to XXXX for my wife and myself. I booked XXXX  tickets on XXXX XXXX  ( The XXXX XXXX. We reserved tickets forXXXX XXXX XXXX flying from XXXX XXXX to XXXX and returning on XXXX XXXX. Shortly after XX/XX/XXXX, I saw in the news that XXXX  was a strike on the last week in XXXX and XXXX canceled more than XXXX flight, including my flight to XXXX. 
I called and spoke with a reservations agent who confirmed the cancelation. I asked for a refund for both flights and was told no problem, but they only refunded {$100.00}XXXX XXXX of the {$360.00}. Many calls and correspondence ensued and they claimed because I cancelled the XXXX  flight, I could only get a partial refund. They expected me to fly back from XXXX even though they were not going to fly me there. 

Things got more complicated when the strike was called off and all flights flew as scheduled. By that time I had re-booked with another airline as I had reservations for hotels, cars and museums that could not be changed. 

I can include some correspondence from XXXX  and CapitalOne, the credit card company who refused to accept the documentation I can send you. Also included are news stories about the strike and the cancellation. 

My complaint is with both XXXX  and CapitalOne. I would like the rest of my refund of {$260.00} from XXXX. If not, then I want CapitalOne to accept. And review the documentation so they can dispute with XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax credit report, I discovered inaccurate information and fraudulent accounts, which leads me to believe that Equifax is in violation of my rights under 15 USC 1681e ( b ). 
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 XXXXXX/XX/XXXX Under 15 USC 1681s-2 , furnishers are obligated to provide accurate data to the credit bureaus, yet these inaccuracies have remained unresolved despite my efforts to dispute them directly with the furnishers. 
These errors are having a negative impact on my life, including limiting my ability to access credit, hindering financial opportunities, and causing unnecessary stress. Furthermore, the presence of inaccurate information heightens the risk of identity theft, as incorrect or unresolved disputes can leave my personal and financial data vulnerable to misuse. Despite filing a dispute, Equifax has failed to conduct a proper reinvestigation, as required under 15 USC 1681i-5.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I filed a complaint with you and the Office of Comptroller gave my Appeal and evidence but Experian still reporting negative results after giving them evidence to show I was never late with my XXXX payment because my payment are due on the XXXX of every month I paid Lending Club XXXX dollars plus XXXX and made the mistake of sending them a check through XXXX bank in the amount of XXXX they were supposed to refund my money back to me but still have not done it yet. I have given everybody evidence to show my truth and I feel my XXXX rights are being violated by not taking my evidence seriously and causing harm to my credit report. Please investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Equifax is letting 3 party collection agencies Fraudulently put fraudulent remarks on my credit report, version closed years ago due to bad service and defective product, XXXX XXXX who owes me money for a bad car and down payment, XXXX XXXX XXXX XXXX Which account was closed at a zero balance As I disputed a rental lease scam and breach of contract and credit was provided as I did not recieve any letters for weeks and moved out Of that place cause it was so bad, company did not call my to tell me where to fax what hey neeeded in time and months later harassed Me with false claims, and there is a medical I know nothing about that keep fraudulently piping up when I had my own coverage for decades
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I discovered that my PayPal account had been charged for a cloud camera subscription I never signed up for. I had used the service under a one time charge in the past and there was no disclosure from the company that this was an annual subscription. 

PayPal gave access to the subscription signup to the company without my knowledge or consent. I filed a claim with PayPal and they denied it saying it was an authorized charge. The company actually agreed to refund money but never did. 
.
Product: Checking or savings account

Capital One experienced an apparent issue with a third party vendor. Capital One failed to notify customers of the issue in what would be considered a timely manner. At XXXX XXXX  on XX/XX/XXXX I received notice that an issue was taking place affecting deposits, which was already apparent due to delayed receipt of expected Payroll Funds. This email included expected resolution by Friday morning. 

It is currently Friday, XX/XX/XXXX, and XXXX XXXX  est. Funds are still not available, I have payments coming out of my account that my payroll is intended to cover, and Capital One is unreachable and has not offered any further assistance. 

I believe this lack of attention by to customers and the issue at hand may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This also raises questions about consumer protection laws, and I request your assistance in investigating the manner.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report on the date of XX/XX/year> that reports an inaccurate negative accounts. This has not only damaged my right to extend credit, but it has made me lose hope and trust within the banking system. I have been denied housing because of this and my character has not only been defamed but my mental and physical health have suffered greatly, and I have documentary evidence to prove this. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant to 15 USC1681 ( a ) ( 3 ). Also, after numerous attempts to dispute the information, your company continuously failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ). If there is a promotional block and extended fraud alert on my credit file disclosure why is it not reflecting and why have you been sharing my non public personal in formation with non affiliated third parties without my explicit written consent. They have no permissible purpose and are UNAUTHORIZED.
Product: Checking or savings account

As conservator for a family member, I was never allowed access to a checking account at Bank of America. This account had a POA and I was not allowed to remove the POA even after I was appointed by the court. The letters of conservatorship included an order from the judge to remove any and all existing POA. 

Bank of America refused to honor the court order. The account has now been closed. There is a court order requesting an accounting of the account which I have not been able to complete due blocked access from Bank of America. In addition, the previous POA was mismanaging the account and an accounting of several transactions is required.
Product: Debt collection

om my credit report immediately. Thank you for your assistance in addressing this matter anTo Whom It May Concern, I am submitting this complaint regarding XXXX 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The inaccurate accounts in question are as follows : XXXX. XXXX XXXX XXXX, XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, XXXX has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. I am requesting the following actions from XXXX through the CFPB : XXXX. Conduct a proper and thorough investigation into the accounts l 've disputed. 
XXXX. Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 
XXXX. Remove any inaccurate or unverifiable information frd ensuring that XXXX complies with federal laws to protect consumers like me. 
Sincerely, XXXX XXXX