23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is displaying i have a late on payment on my XXXX XXXX account when it was fixed by the credit about 5 months ago. Experian did their investigation and removed the late payment 4 months ago out of no where they reinserted the deleted information again on my credit report which dropped my credit score drastically. i was denied for credit because of their mistake to add this negative delinquency on my report.
Product: Money transfer, virtual currency, or money service

Make a purchase of an XXXX XXXX XXXX XXXX XXXX in Offer Up and pay for it through cash app, today I received the package, inside came an empty box. The person I pay through the cash app is called XXXX XXXX. I have your account.
Product: Credit card or prepaid card

****Discover case # XXXX Opened a credit card with Discover and initiated a balance transfer in the amount of {$1300.00} under a promotional offer of 18mos 0 % int on balance transfers. 

Discover sent the check to XXXX XXXX ( That is the name printed on the front of my card ) however the check was rejected because XXXX only accepts checks made out specifically to XXXX, XXXX. Notified Discover that the check was rejected and that the check was mailed back to me at my home address. I am in possession of the {$1300.00} check issued by Discover proving that it was never cashed. I offered to send the check to Discover and they said it wasn't necessary however they still posted the {$1300.00} balance to my card. I now have the same {$1300.00} on my XXXX card AND my Discover card. I do not understand how Discover can post a balance to my account for a balance transfer when the balance transfer check was never cashed. It has be over 7 business days since I notified Discover of the problem. Still has not been resolved, called several times, I have also not received any updates. I does not appear that either XXXX or Discover have any intentions of resolving this in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXXXXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with Equifax, XXXX XXXX and XXXX regarding verification on an inaccurate account on my credit report. I would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter promptly and accurately. I have been correcting information on my credit report from Equifax, XXXX XXXX and XXXX. I discovered two account that has been inaccurately reported. The account in question belongs to XXXX XXXX XXXX XXXX  and XXXX XXXX, and it is listed as incorrect balance as a charge-off in the amount {$300.00} and the {$670.00}. I sent letters to the furnisher to request verification on the account and was unsuccessful on this situation. 

I sent a letters requesting the furnisher to verify my information on the account since I have been a victim of Identity theft in the past. Neither of the furnisher has supplied me information on this account as a consumer. In additionally, I have submitted a dispute letters with Equifax, XXXX XXXX and XXXX, with supporting documentation of inaccurate account removed from my credit report. I have attached documentation on relevant dispute. I have not received any documentation from Equifax in regards to this inaccurate information on my credit file. This adversely affects my credit score and ability to secure credit when needed. I am concerned that this inaccurate information may continue to harm my financial standing if not addressed promptly.
Product: Credit reporting or other personal consumer reports

I have identified several discrepancies in how the following accounts are being reported on my credit report across multiple credit bureaus. These discrepancies violate fair credit reporting practices as outlined by the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : There was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ), which requires a notice of dispute to be communicated when an account is disputed by the consumer.

The payment history is inconsistent across the three credit bureaus, violating FCRA Section 607 ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported.

The account has been re-aged, with inconsistent late payment dates across XXXX, TransUnion, and XXXX, violating FCRA Section 605 ( c ), which sets limits on the re-aging of accounts and the time frame in which negative information can be reported. 
For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The account has been re-aged, violating FCRA Section 605 ( c ), which restricts the re-aging of accounts.

There are inconsistencies in the payment history across the credit bureaus, violating FCRA Section 607 ( b ). 
The credit limit and high credit amounts reported vary across XXXX, TransUnion, and XXXX, also violating FCRA Section 607 ( b ) regarding accuracy of information. 
For XXXX XXXX XXXX XXXX XXXX XXXX : There was no notice of dispute for TransUnion and XXXX, in violation of FCRA Section 623 ( a ) ( 3 ).

I request that the CFPB investigate these reporting discrepancies and work with the credit bureaus and furnishers to correct the inaccuracies. I also ask for re-investigation of the accounts, proper notification of disputes to all three credit bureaus, and an update of the payment history, credit limit, and high credit balance to accurately reflect my account history. 

Please find attached copies of my credit reports from XXXX, TransUnion, and XXXX highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Sent Verification letter XX/XX/XXXX Sent another verification letter XX/XX/XXXX Sent XXXX verification letter XX/XX/XXXX Sent another verification letter XXXX another verification letter XX/XX/XXXX Sent another verification letter XX/XX/XXXX I Sent a complaint to CFPB and XXXX and am resending letters to get the address removed from my credit report. I can not receive mail at the address I want the address removed and XXXX dollars for the violation
Product: Credit card

Received a denial letter in the mail for a card I NEVER applied for.
Product: Checking or savings account

My wallet was stolen on XX/XX/XXXX at a undistinguished time and procedingly unauthorized transactions and withdrawls were made on my account totaling in a amount of XXXX I contacted my Bank a few days later and canceled my card and at the same time tried to make my claim but could not because I had to wait for the pending transactions to clear so I waited a few more days which is now XX/XX/XXXX I called and reported the claim and today XX/XX/2020 I received in the mail my claim was denied they did not deem my transaction unauthorized
Product: Credit reporting or other personal consumer reports

My address is XXXX XXXX XXXX XXXX IL XXXX. All other addresses should be deleted because they are connected to fraudulent activity and domestic XXXX. 

Please delete XXXX XXXX Pl XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX People use these addresses to commit identity theft in my name.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - I made two withdrawals with Coinbase, one for {$90000.00} ( Transfer ID : XXXX ) and another for {$10000.00} ( Transfer ID : XXXX ). Coinbase quotes me that the estimated payout for the withdrawals will hit my bank account XX/XX/XXXX. 

XX/XX/XXXX - I submit a support request asking them to investigate, recover, and transfer my funds to me. The support case # is XXXX. 

XX/XX/XXXX - Coinbase reaches out to me and acknowledges the problem and says they will work with a specialist to address it properly. They provide no concrete answers as to what happened or when it will be resolved.
Product: Student loan

I have contacted Aidvantage several times in regards to my discharge that has been completed by The Department of Education since XX/XX/year>. Aidvantage has given me the run around about why they havent discharged them although I am apart of the borrowers defense discharge. My loans have been completely zeroed out per the FSA website and my credit report. I have reached out to The DOE and made sure my discharge has been processed and they told me they were 100 % discharged. I only owed {$1900.00} of a remaining balance for those student loans and the only reason thats owed is because they returned the money back during covid. Now Aidvantage is stalling for time on zeroing out those loans and issuing my refund that I paid into those loans. I have submitted several complaints with them and XXXX which have gotten me nowhere. I did speak to an advocate from XXXX but haven't heard anything back. That was earlier in the month. Aidvantage told me to reach out to XXXX XXXX XXXX XXXX about them sending approval then they directed me back to my servicer. I was specifically told to submit a complaint with an ombudsman because they are giving me the run around and not going to resolve the issue. I feel as if they are trying to hold my refund owed from XXXX XXXX because XXXX XXXX XXXX XXXX and XXXX XXXX XXXX but they aren't outstanding as I am XXXX XXXX XXXX XXXX. Everyone is having a hard time and this is suppose to bring relief to borrowers but its actually very stressful especially when you know you are owed money but cant get to it. I deserve my refund as everyone else who attended XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, there were 5 unauthorized charges made to my bank account XXXX M & T Bank ) in the amounts of {$1100.00}, XXXX, XXXX, XXXX and XXXX. My bank only sent notification for the {$50.00} charge, which is what prompted me to log into my bank account. and I discovered the other 4. The last charge I received notification for was immediately reversed. In dispute are the remaining 4 charges.

I immediately called my bank to report those charges. The information they gave me was that the charges were made at XXXX 's XXXX and XXXX, in a different state that I have never been to. I was assured they would look into it. I was credited those amounts back. On the XXXX, I got notice that my account was about {$1500.00} in the red, because the bank had pulled back the credited amounts and denied the claim. 

I called the bank 's fraud department, and I spent more than an hour being transferred from department to department. I wanted information on why the claim was denied. I also asked them to look at my bank account. I have banked with them for over 7 years, and I do not make purchases with my debit card. A review of my bank account shows that the transactions were unusual in amount, location, and vendor. 

Each person I spoke to told me the same things - while it is evident and clear that the charges were unauthorized and unusual, their official procedure was to call the merchant who said the transaction was processed properly, and that was that. They closed the case and can not reopen it. I was told to investigate on my own by calling the merchants myself or pursuing the case criminally, and if it yields anything, pursue it civilly. Essentially, their investigation started and stopped with calling the merchant, and I was left on my own. 

I did call the merchants, who told me to go to the bank, as the proper procedure was for the merchants and the bank to sort things out. But my bank asked me to essentially deal with it myself. It baffles me that in this day and age, there is no protection or recourse for consumers whose bank accounts have been defrauded. Per the bank, calling the merchants is all they are capable of doing. There has got to be more than that.
Product: Credit card

I made a transaction at a rental car company for a XXXX rental for XXXX $ when visiting XXXX XXXX XXXX XXXX, 2023, Later that day I was not satisfied with the service because the car condition was not as promised and there was an insane mileage estimation ( and later I realized it's more like a scam ) in the contract so I returned the vehicle on the XXXX. The company used the signature policy as an excuse and refused to refund. 

I called Chase Customer Services on the XXXX  and submitted a dispute. It took them 2-3 months to investigate the dispute with the same excuse ( signature ) and told me that they thought the charge was valid. I think it's really absurd since the merchant intentionally cheated on me in the first place and my signature shouldn't be used as proof to refuse the refund and Chase Bank should know that very well. I tried to reopen the dispute by sending a letter, but they didn't respond anything until I called again. They told me they saw the request/letter but couldn't process it due to a lack of a handwritten signature, not just a printed version. But they never call or email or mail me anything to notify me of this issue. The laziness is really astonishing. After submitting the letter with a handwritten signature, Chase remains the same result within only 10 days. I suspect they didn't make any further investigation but just repeating themself. I called once again and sent a mail to reopen the dispute claim for the second time to the po box of the Chase Customer Department in XXXX, Ohio. After a short time, they still gave me the same resolution without any meaningful explanation rather than routine replies. 

The other unprofessional action is that I submitted a dispute first under the category of 'not satisfied with the service '. But soon i realized the nature of this transaction is more like a fraud/scam. But Chase Bank refused to change the dispute type and made me insist on this claim by repeatedly submitting the reopen request. During the process, they even use the excuse that the claim was posted a while ago to persuade me to give up on the dispute request so they can hide the slack in their work. 

So far, I haven't heard anything from them and this claim has been opened and reopened for more than 4 months since XX/XX/XXXX. The statues on the mobile app or website for dispute tracking are always duplicated and not updated on time. 

There must be something wrong in their organizational structure and Standard protocols that makes " disputing such obvious case '' difficult and torturing.
Product: Credit card or prepaid card

On XX/XX/2023 my Cash App was charged for two purchases one within minutes of the other, from a company called XXXX XXXX for an amount of {$120.00} and the second charge of XXXX. I immediately went on line and cancelled my cash app card and filed a dispute for the fraudulent charges. Approximately one week later I was issued a temporary credit for both charges in question. 

For the record, I have never given my card or the card number to anyone to use and have NO idea how my card was even compromised. 

Approximately one month later I received an email stating that the dispute was denied after their so called investigation. However, I tried looking up the company name XXXX XXXX and although there are variations of that name there is no company I found that is actually that name. Therefore, I found their so called investigation to be lacking the evidence needed to dismiss my claim. 

I then began trying to contact the support team via chat after I was never able to get thugroh on the so called XXXX # and holding for literally hours at a time. to have there decision appealed. I have asked Cash app to follow up as I found NO company with that name, I asked where the items were shipped if purchased on line. I know they can't tell me the address but what state or city did the merchandise go to, etc. I have gone on line and chatted with support twice in two weeks and keep getting the same robotic response saying their specialty team will reach out to me and asking for my email which I have given twice and still no one has contacted me back about the issue I want to appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with this issue going on 3 months now. And have not gotten a solution. I'm in the process of purchasing a home and this is hindering me. 
There's an ( Charged off ) account on my credit report from XXXX. XXXX sold this account to Gotham Collections. I have paid and satisfied the account with Gotham. Gotham wrote me a letter stating that the account is satisfied and requesting it be removed from my report. Gotham also stats that they can't report themselves because XXXX is the original creditor and they are the company reporting to the bureaus. However, XXXX stats that they can't report because they sold the account. Both companies are saying they can't report. How can the issue be resolved. I've disputed this account multiple times. Each time it's come back as transferred by XXXX. The credit bureaus are stating that they can't do anything about it because the only company who can report is XXXX because that's who's on my report. I really need a solution asap. Im in the process of purchasing a home and this is the only issue.
Product: Credit reporting

Transunion credit reporting agency is reporting addresses that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

I have an account with coinbase, com from earlier this year ( 2017 ) I have been buying and selling cryptocurrency through their site until recently when i tried to buy bitcoin ( BTC ) through my bank account which had too few funds in it which was a mistake i made. 
Since then i see that when i log into the account my account is set to restricted access and can not buy or sell. Effectively freezing my money deposited in there. 
I have tried to email support, and call the number for help and so far had no reply by either methods. There is now no way I can access them and unfreeze the account. 
I did get through their phone system once - earlier today, and hit '2 ' for a call back. I was called back ( the mans voice was the same as the voice on their 'Please hold ' message. He asked me to hold the line, and the line went dead. He never called me back. Since then I have tried repeatedly to call to no avail. 
Please help. 
I have etherium ( ETH ) coins purchased ( currently valued at around {$4000.00} )
Product: Credit reporting or other personal consumer reports

Debt Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ( XXXX ) XXXX XXXX XX/XX/year> AARGON AGENCY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Account Number : XXXX Original Creditor : spire Energy Alleged Amount Owed : {$250.00} To Whom It May Concern : I am writing regarding the above-referenced account that you claim I owe. I dispute this debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC XXXXg. 
Additionally, in accordance with 15 USC XXXXc ( c ), I am formally requesting that you cease all communication with me except for the purposes explicitly permitted by the statute. As you are aware, 15 USC XXXXc ( c ) states that after receiving written notification from a consumer to cease further communication, a debt collector may only contact the consumer : XXXX. To advise that collection efforts are being terminated ; XXXX. To notify the consumer that the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector ; or XXXX. To notify the consumer that the debt collector intends to invoke a specified remedy. 
Furthermore, I am requesting complete verification of this debt including : XXXX. Proof that you are licensed to collect debts in my state XXXX. Proof of your ownership of this debt and right to collect XXXX. Complete account and transaction history showing how the amount was calculated XXXX. The original signed agreement between myself and the original creditor XXXX. Documentation showing the chain of ownership if this debt has been sold XXXX. Verification that this debt is within the statute of limitations for collection in my state Until you provide this information, I request that you : Mark this debt as disputed with all credit reporting agencies Refrain from reporting this debt to any credit reporting agencies Cease all collection activities as mandated by the FDCPA If you can not provide complete verification as requested, I demand that you : XXXX. Remove all references to this debt from my credit reports XXXX. Cease all collection attempts permanently XXXX. Provide written confirmation that this matter has been closed I am aware of my rights under the FDCPA and will not hesitate to file a complaint with the Consumer Financial Protection Bureau and your state licensing board if you fail to comply with this request. 
This letter is not an acknowledgment that I owe this debt and does not restart the statute of limitations. 
I expect your response within XXXX days as required by law. 
Sincerely, XXXX XXXX
Product: Credit card

XXXX bank says I have a credit card big lots I have no knowledge of this card I don't know what address was used
Product: Prepaid card

My in laws purchased a Vanilla Visa gift card in the amount of {$50.00} at a XXXX XXXX in Florida on XX/XX/2023. They mailed it to me for my birthday. When I tried to use the card in a grocery store, it was declined. I tried several times to find out information online at the Vanilla card website, and each time it would only give me an error message when I tried to look up the card balance. Finally I was able to reach someone on the phone at Vanilla, and was told that the card had already been activated and used by someone else. As the card was sealed inside of its package when I received it, and I still had it in my possession, I couldn't understand how this was possible. Vanilla said I could open a claim by sending them the picture of the front and back of the card, the receipt, and a copy of my driver 's license. They also asked me for my birthdate and address. I provided them all of that except a copy of my driver license as I do not trust them. That was on XX/XX/XXXX. They had me email the information to XXXX. A few days later I received a response from XXXX, asking me again for a picture of the front of the card and the receipt, and so I sent those to them a 2nd time. I have not heard anything from the company since then.