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

Coinbase closed my account immediately after only two transactions, claiming that I was using my account for purposes not sanctioned by their company 's bylaws. This company deals exclusively with virtual currencies, such as Bitcoin and Ethereum and charge additional fees on top of every transaction you perform and have been known to swindle customers out of vast amounts of money for no apparent reason whatsoever. These customers are only given the option to remove all virtual currencies from their accounts within 30 days or else they will permanently freeze your funds so that they can never be accessed again. In my specific e-mail I was told that I was using my account for purchases or transactions that were " illegal '' when I used my bitcoin to purchase a collectible decoration from overseas and using bitcoin was easier to use than to perform a wire transfer and cost less money to do so. Because I had a problem with the product I received, I could not refund the item because refunds had to be made to the same Bitcoin wallet address that funded the transaction and therefore I am now stuck with a broken product and no way of recouping expenses.
Product: Consumer Loan

we have a motor home account thru Santander Consumer USA. Our payment was due XXXX. I called their customer service on Monday XXXX and stated we had not recieved an statment/bill. They stated the statements are generated on the XXXX of the month. No date when they are really mailed. As a rule we recive the bill 1 week or less before it is due. There is no postmark on the envelope, so we can see when it is mailed. I believe there is a minimum time set by the government or banking industry to prevent this problem. Should n't a person have more time? Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX NJ XXXX all the other address that is showing on my credit report is Fraudulent and need to be removed with all the accounts that are reporting them
Product: Credit reporting or other personal consumer reports

For days now, I have been trying to access my credit report online to review and dispute incorrect information. Sometimes, my name and password would work. I would get so far as to hit the button for filing a dispute and it gives this error message with a number to call. 

" We're unable to complete your request online. 
Please try your request by phone or mail. 

What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or dispute by mail. '' I have called with no answer, just endless hold times. I have tried their chat feature with the same results. No response. I have tried log in help. I have tried to resign up only to be told I already have an account that I CAN'T ACCESS! 
My credit scores with XXXX and XXXX are over XXXX. They were easily accessed online, and disputes were entered. TransUnion has me at XXXX. I was told by a bank that there is a charge off on Transunion and that is why I was rejected. I want online access to my account so I can clean up the errors.
Product: Mortgage

See complaint XXXX. 
Citizens opened a windstorm policy for $ XXXX at $ XXXX. My mortgage is for only $ XXXX ( current balance is about $ XXXX ). Why did they open a policy for more than the loan and why did they back date it XXXX months? 

Please reopen this complaint! 
Thanks. 
XXXX XXXX
Product: Credit reporting

To whom it may concern : I am writing because there are some errors on my credit report and they belong to my sister and my mother. My name is XXXX XXXX, and I am continually linked to my mother, XXXX XXXX, and my sister XXXX XXXX. I can not change my address because whenever I have my mother and sister 's mail is redirected as well. I have realized that this is due to errors on my report. I have never lived in XXXX, MA. My sister, XXXX XXXX has. I have also never had a XXXX credit card, this account belongs to my sister, XXXX XXXX, and I need it to be removed from my financial record. We are XXXX different people, with similar names and addresses, until recently, but we do not share a social security number. I need my account separated from my mothers and sister 's as I plan on moving and purchasing a home. My sister had been dealing with the XXXX crediting companies for many years, trying to separate her financial record from my mothers, but I do not understand how this could be hurting me as well, since I do not share the same first name with my mother or sister. The XXXX crediting agencies have made these errors on my report and have not corrected them, thus I thought to report it once again before seeking legal action. I have attached copies of our XXXX different passports, in the hopes of showing XXXX different individuals, whom happen to be related, not the same person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights. 

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out my written instructions
Product: Credit card or prepaid card

In XX/XX/2022, I contacted Comenity CB ULTAMC to determine all amount, outstanding under the credit card issued by them and to close my account. I simply no longer wished to maintain unnecessary credit cards above and beyond my primary bank issued credit cards I had had for years. I advised Comenitys representative over the phone that I wish to be advised of all amounts incurred under my credit card, gave the representative my XXXX, routing and account numbers authorized Comenity to withdraw all amounts, incurred, whether or not due and requested that they close my account. They assured me that they had. Apparently, Comenity. failed to withdraw. {$0.00} incurred. That was their error as my XXXX account at all times relevant held in excess of. {$10000.00} and I had authorized them specifically to withdraw all amounts incurred, whether or not then due, prior to closing my account. I have contacted Comenity on numerous occasions since in response to attempts by Comenity to impose draconian penalties and fees on its {$0.00} error. As of their last correspondence, they have attempted to collect {$76.00} from me in order to settle this account and close it. Obviously that would represent an annual interest rate in the tens of thousands of percent. To say that this is unconscionable is an understatement. Moreover, this error has caused my XXXX score to decline nearly 100 points. I have contacted them by phone on at least a half dozen occasions, each time I have been transferred from department to department and in the aggregate, the experience has taken in excess of two hours, and resulted in me being cut off after such wait times.
Product: Credit reporting or other personal consumer reports

Self Lender No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). 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. ( FCRA, 15 U.S.C. 1681 ) .Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C . 1681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Product: Prepaid card

I had a cash app card for years an never violated any rules I used the card for bills and help from friends to help me with livelihood I do not understand why the cash app card company that I spoke to would not give me a reason on why I can not access a cash app anymore they got my personal information an have banned me for some reason I am very frustrated with this situation its been a hassle.
Product: Debt collection

Hello. I want to file a complaint against the City XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX  as they have mishandled my insurance claim or lack of submitting one. 

On XX/XX/XXXX, I unfortunately, had to call the XXXX  and was XXXX to the nearest XXXX ( XXXX  miles ) away. For this transport, I was sent a bill of {$1900.00}. As soon as I received, I called XXXX to provide my insurance information for them to submit a claim. 

Sadly, I had to follow-up several times with the XXXX Of XXXX as they were not capable of submitting a claim. I spoke to : XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX ( a manager ), XXXX. XXXX, XXXX. XXXX ( on XX/XX/XXXX who said that a claim was sent on XX/XX/XXXX via USPS, and again on XX/XX/XXXX ). 

To my dismay, I received a collection letter from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX that I now owe {$2200.00}. I also have tried to pay exactly what I owed which is the {$1900.00} but was denied and told I had to pay the fees on top AND had to pay before the 45 days to prevent my outstanding credit from being penalized. 

I did everything in my power to for what was owed after my medical insurance paid their part. 

I have spoken to many others about my experience and it seems this is similar to others experience with using ambulance services.
Product: Credit card or prepaid card

In early XX/XX/2019 I needed to make a major purchase, which I wanted to do with a balance transfer card. I called into American Express for help on opening this account, and expressly mentioned that I was attempting to transfer a balance between one American Express card and another. The representative I spoke to on the phone confirmed that this was possible, and helped me through the process of both approving my credit application for the new balance transfer account, as well as a credit increase on my existing account. 

Two weeks later, after I made my purchase on an American Express card, I was told by a different representative that I would not be able to transfer the balance between one Amex account and another. I told this new representative that I had been misled the first time around, at which point they directed me to a supervisor. This supervisor told me that a dispute had been opened on my behalf. 

Now in XX/XX/2019 I realize that my credit is being negatively impacted by the presence of an empty balance transfer account. I reached out to check on the progress of my dispute, and find that there is no record of a dispute on either of my American Express accounts. In fact, many of the documents associated with my account are completely unavailable online ( including the original cardholder agreement paperwork and any monthly statements more than 4 months old ). 

Upon realizing this, I reached out to Amex to close my account and try to open a dispute. After being promoted to a supervisor, I was able to get the supervisor to volunteer that I was given false information about my credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo 266 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, this has impacted me from purchasing a home and I need these negative items removed from my consumer report.
Product: Debt collection

CREDITORS DISCOUNT & AUD has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. This is a major HIPPA violation because I have never done business with CREDITORS DISCOUNT & AUD yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail.
Product: Credit reporting or other personal consumer reports

I have a bunch of inquiries on my credit report that I did not authorize. Please remove immediately also see attachment of listed items.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and ABSOLUTELY DID NOT open these accounts. I kindly ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Attached is my Federal Trade Commissions identity theft affidavit. Please remove these items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : 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/year>
Product: Checking or savings account

I have been using my account for withdrawals and purchases abroad, and suddenly my card was blocked, which has caused me problems since it is the only card I have whi

le Im XXXX. I have called customer service several times, but they have never been able to resolve this issue. I filed a complaint through the CFPB, but the response was vague and I still have the same issue.
Product: Debt collection

I switched from XXXX to XXXX  in XX/XX/XXXX. My account with XXXX was an annuity due, meaning that I paid in advance for my service. At the time I made the switch, I was not in default, and they actually owed me money for the days I paid for but did not use. I spoke with a customer service representative at the time who seemed disorganized and was trying to bill me for services I no longer had.

They eventually sold the bad debt to a collections company, Receivables Performance Management , LLC and they have violated the law in trying to defraud me. I sent them a debt validation letter on XX/XX/XXXX, and they ignored my letter, and have reported the fraudulent account to the credit bureaus. I will be happy to provide to your office a copy of the legal letter I sent them, demanding validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX placed a collection account in the amount of {$920.00} on my credit report, from a company, OLIPHANT USA LLC. There was no letter of notificaiton of the debt. Additionally, the " investigation '' did not provide the original document/promissary note, nor my signature that I agreed to pay this debt. No validation was suppled when disputed. I have never lived in, nor did business with any organization in Florida, nor with XXXX XXXX  in XXXX. XXXX XXXX states the debt is valid, but, no proof of the debt has been provided. 

I have written to the company for request for validation and it was ignored. 
XXXX - Dispute XXXX XXXX XXXX XXXX, PA XXXX
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 Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

Alleged Account number XXXX I do not recognize credit acceptance as any creditor of mines!!! When I noticed this alleged repossession claim I was the guarantor of an auto loan on my credit report I immediately sent them a letter stating there was a high chance this account was fraudulent and i need to see all the contracts, promissory notes, Notice of sale letters and most importantly the calculation of surplus and deficiency letter. They received my letter XX/XX/2021 and are yet to mail me any response. 

I informed that XXXX XXXX XXXX XXXX XXXX states that a secured creditor must send this notice within 14 days of a request by the debtor OR a record waiving the secured party 's right to a deficiency. 

I am yet to receive a response from this alleged creditor this alleged secured party 's right to this deficiency debt has been waived. This account is inaccurate and needs to be deleted from my credit report
Product: Credit reporting

Multiple attempts failed by varies means. Just today a lender accessed my file when I am supposed to have a credit security freeze in place. Evidently as meaningless as the fraud alert they lied to you about. I guess lies are ok. Also records posted by creditors incorrect impacting my ability to gain credit due to extremely low score.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, I had been conditionally approved for a mortgage that was closing XX/XX/XXXX with Semper Home Loans. The only two people I have ever spoken to from that company were XXXX XXXX and XXXX XXXX. They assured me that with an extension to XX/XX/XXXX, that would give them enough time to underwrite the file. On XX/XX/XXXX, they told me after I had already signed my closing disclosure, they had made an error doing the calculations for the taxes for the house and that I had to find a way to cut my homeowners insurance in half. TWO DAYS BEFORE CLOSING. I am an insurance agent, myself and I told them that was impossible. And they said let 's see if you pay off a student loan today and it gets cleared, then that should work. So I paid off my {$4200.00} student loan off. And I actually got letters from the student loan office saying that my loan had closed. And they said that was acceptable. Today, on the day of closing, they tell me it's no longer acceptable because it's still pending in your XXXX  XXXX account, something I can not control. I also told them worst case scenario that I would pay a higher down payment. They didn't even give me the option. They are nothing but liars. They constantly told me I was going to be clear to close. Over and over and over saying you're going to be clear. They lost me my house and {$10000.00} of earnest money.
Product: Credit card or prepaid card

XXXX Barclays Essential Reward Mastercard from Barclay Statement period from XXXX card ending XXXX. As soon as I noticed the card missing I reported it missing and also found out a fraud had been committed on XXXX XXXX  as I reported that as well in the XXXX. of XXXX. I spoke to XXXX in the fraud dept. I spoke several times about this to no avail. The credit showed up on my next statement on card ending in XXXX however was not deducted from the bill. It was deducted from the next bill which I never received in the mail nor was it deducted. I asked many times about this error on their part. No one could gin=ve me an answer as I went on line and not only did they never credit the amount but also chaged me a late fee on disputed amount.
Product: Credit card or prepaid card

I owed US Bank approximately {$600.00} on a closed account and approximately {$820.00} on another closed account. On XX/XX/21 I paid both these amounts in full over the phone, I used my current XXXX XXXX XXXX account. In the next few days they charged me twice on each amount leaving me with no money for rent, when I called they said it was my fault and I over paid, this was not true I only paid once while on the phone with them. They said my return could take weeks but they would issue me a check. Then I find out my wife 's account was charged {$600.00} as well, this means her money was stolen by US Bank, she filed a complaint with her Credit Union and said this was fraudulent because it is. That means they charged {$600.00} three times instead of once. Please help us. US Bank stole thousands from us leaving us with no money for Rent or food. The total they stole was {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XX/XX/XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XX/XX/XXXX approximately the XX/XX/XXXX of the month they also accepted my payment of {$27.00} in XX/XX/XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX  XXXX XXXX account. I then on XX/XX/XXXX through their automated system paid my remaining balance to XXXX with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XX/XX/XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XX/XX/XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XX/XX/XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me