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

I sold $ XXXX XXXX coin on XXXX. They transferred $ to Coinbase via their XXXX XXXX network. Coinbase wouldn't accept this and $ in the clouds/big hole. 
XXXX should never have used XXXX knowing it wouldn't be accepted. Coinbase should have refused it and returned to XXXX. I would have then transferred to my checking account. 
The consumer is totally unaware that these 2 major exchanges have this problem. They shouldn't be allowed to go unchecked. We don't know these transaction methods. XXXX encouraged their XXXX. Coinbase should have returned XXXX Both companies are unwilling to help. 
I'm not alone. 
PLEASE HELP.
Product: Credit card

I signed up for the XXXX XXXX credit card from Citibank about two years ago. At the time of enrollment, the card offered a free night certificate upon cardmember anniversary date, if I had spent {$10000.00} or more in that year on the card. Based on my spending during the past year, I qualified for the free night certificate when my anniversary date came up on XXXX XXXX. I did not receive the certificate, so I contacted Citibank. At first, they claimed that I did not qualify for the certificate since my spend had n't occurred in the period between the date when my annual fee hit ( which was in XX/XX/XXXX ) and the end of my cardmember year. I told them that I was told that the eligible period was in fact based on my card opening date, not the date when the annual fee hits. Otherwise, cardmembers would have less than a year to qualify for the benefit. 

I received a message from Citibank, via their secure message system, that I had indeed been given incorrect information and that I did qualify for the free night certificate. They informed me that the certificate should come directly from XXXX, so I contacted the hotel company. The hotel company reached out to Citibank, and was informed by Citibank that I did not qualify for the free night. 

Based on my spending, which is completely tracked by Citibank, and also the message I received from a senior account specialist at Citibank, I did qualify for the free night certificate. I 've reached out to Citibank about five times already to resolve this issue. Earlier this week, when I reached out yet again, I was told that an internal team would look into the secure message, and they would get back to me within 3 business days. That time period has lapsed, and I 've yet to hear anything from Citibank. 

My request is that Citibank honors the offer it advertised at the time of my account enrollment. It is unfair for them to expect their customers to put in all the effort to receive a bonus that they earned, and that Citibank should proactively award. My cardmember anniversary date occurred almost 3 months ago. It is unfathomable that it would take this long for me to receive my benefit. One could argue that Citibank is intentionally dragging this out so that I can not decide to close my account within their grace period for receiving a refund on their annual fee. I had no intention of closing my account - I simply want Citibank to honor its promise.
Product: Vehicle loan or lease

I purchased a XXXX model XXXX XXXX through the XXXX app. The vehicle price after incentives was roughly {$XXXX}. I have been dreaming of this car for years its something Ive always wanted and dreamed off. I currently work at the XXXX XXXX minutes away from home and need a vehicle to get back and forth to work. I applied for financing through my bank XXXX XXXX  they approved me for {$XXXX} so I was still short XXXX for my dream car. I contacted my XXXX advisor and let them know I was approved for {$XXXX} financing but short for the remaining. They told me that was okay to apply for the remaining amount through XXXX, in which I did & they approved me for {$XXXX}. XXXX weeks had gone by and I was ready to pick up my vehicle. I went to the XXXX dealership in XXXX, ny with my {$XXXX} financing check for the remaining amount since they approved me for the {$XXXX} and I signed all the paperwork. I arrived the sales rep took my check scanned it it uploaded in the phone and he took me I was all set. They released a {$XXXX} car to me!!!! A XXXX XXXX a few weeks after I purchased my vehicle stating they lost my check!!!! How do you lose a {$XXXX} check. They wanted me to contact my bank and receive a new one in the mail. A XXXX XXXX then reached out to me on XX/XX/XXXX stating to me I had to financing companies and that wasnt allowed that I needed to either pay {$XXXX} in cash and take the XXXX loan or pay the {$XXXX} cash and pay the XXXX XXXX  loan. Its the holidays and I have medical bills I dont have that kind of money lying around most people dont I reached out back to the XXXX that same day and never received anything back yet!!! Ive had the car in my possession for almost 45 days now. They knew before weeks prior to me picking up my vehicle I had XXXX finance companies. I wasnt aware that was a rule but they shouldve know that!!!!! Theyre a car dealership they should know the rules and never allowed it. They released a {$XXXX} car to me knowing I had XXXX fincance companies? This is their mistake not mine. I have the vehicle title with my name on it and XXXX financing on it for the XXXX. A {$XXXX} car is sitting in my driveway with my name on the title and they want me to reapply for financing???. I already had XXXX hard inquiries on my credit due to applying I might not even get approved again how can they repose me vehicle if I never defaulted on my loan????. This is their XXXX up not mine .. they knew about the multiple financing companies and allowed it!!! They released the vehicle too me and accepted my check knowing and allowed it! Ive had paid XXXX months of car insurance on the vehicle and a car payment. XXXX needs to have accountability and allow the multiple financing companies or take a loss on the vehicle. Ive been working XXXX  days a week XXXX hoursssss a day at my job while trying to deal with this. Ive been beyond stressed out, mentally and physically exhausted and drained trying to figure out answers and waiting for a response from XXXX. So one day Im supposed to just wake up and my vehicle be gone because of their mistake?. If the roles were reversed they would come at me so hard.
Product: Vehicle loan or lease

On XX/XX/XXXX I called and spoke with chase auto fiance Account number XXXX, I explained that I had called and requested a billing extension for one month which was granted ; but do to my health and being in and out of the hospital I would need another 3 month extension, I was told they could not do another extension, however they could change the due date from the XXXX of the month to the XXXX. I was also told that f that payment was not received or was returned that the original due date would revert back to the XXXX. Because I didnt receive any statements after s I was in the hospital. I called back and explained this to an agent, who because I hadnt received the statements informed me because it was a medical emergency do to a XXXX XXXX that she would submit XXXX late fees in the amount of {$30.00} each to be reviewed to be removed. I then spoke with a supervisor, her name was XXXX id XXXX making a payment at chase bank I called back and was told that the fees had not been credited back and the original due date had not been reinstated to the XXXX of the month, I again spoke to another supervisor XXXX after explain the situation to her again, she informed me once I brought my account current that the due date would be changed back to the XXXX of every month and because of the extenuating circumstances that she would approve the credits for the XXXX late fees {$30.00} each for a total of {$90.00} and that I would see the credit on my next statement. Once I got the account current by making a payment at chase bank I called back and spoke with another supervisor who informed me the credits had not been approved despite what I had already promised and the due date had not been changed back. Because I had already spoken with a supervisor, XXXX XXXX on XX/XX/XXXX and had been told the due date would be changed back to the XXXX of the month and that the XXXX late fees of {$30.00} each for a total of {$90.00} I am requesting that chase honor what there supervisor said she would do and credit back the {$90.00} in late fees as well as change the due date back to the XXXX of the month. The agent that had informed he had processed another extension that he had approved so my next payment should be on XXXX XXXX XXXX the agents name was XXXX  XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

So I applied for a payday loan through this company. The problem is their charging an insane 700 % interest on the {$850.00} loan so I'd owe {$4500.00} after all is said and done. They've insulated themselves pretty well claiming they're on tribal land and as such not subject to state laws. I remember seeing an article where your agency went after other similar companies for trying to illegally shield themselves against state usury laws. I'm not sure if the situation is the same here.
Product: Checking or savings account

I opened a self-directed online brokerage account with XXXX XXXX, called XXXX XXXX, in XX/XX/XXXX. Thereafter, I received marketing material from Bank of America ( " BofA '' ), promoting the benefits of opening checking and savings products with Bank of America. Of the benefits listed, BofA noted that an aggregate balance of above {$10000.00} would result in the waiver of maintenance fees. BofA specifically notes that the value of a XXXX XXXX account, combined with the value of all BofA accounts, will qualify a customer to receive this waiver. In XX/XX/XXXX, I set up a BofA checking count, and shortly thereafter successfully linked my BofA and XXXX XXXX accounts. I received verbal confirmation that this took place. In XX/XX/XXXX, the aggregate balance of my BofA and XXXX XXXX accounts surpassed {$10000.00}. For two pay periods until XX/XX/XXXX, BofA nonetheless charged a monthly maintenance fee to my checking account. Upon calling BofA in XX/XX/XXXX, they made an excuse that my accounts were not linked, which in fact they were. They apologized, credited my accounts immediately, and confirmed verbally that the accounts were in fact linked and that I qualified for the waiver. In XX/XX/XXXX, I discovered that my checking account continued to be charged a maintenance fee. Upon calling BofA, they again stated that my accounts were not linked, and instead blamed XXXX XXXX for the problem. My XXXX XXXX representative called BofA to resolve the problem, and BofA again claimed that the accounts were not linked. Further, they mislead the BofA representative, and claimed the accounts needed to be valued at above {$20000.00} to receive the fee waiver. Shortly after the call, and without my knowledge, BofA corrected an error to mask that the accounts were never in fact linked, and failed to notify me of this correction. This directly contradicted a year 's worth of service, during which they mislead me to believe that my accounts were linked. Upon calling BofA to speak to a supervisor, the supervisor acknowledged that they had corrected the error, finally, without my knowledge, and assured me they would document that they had acted without my knowledge. I believe BofA intentionally broke their promises to me. They failed on the several occasions noted above to fulfill their promised services. They further, surreptitiously, tried to cover up their failures. Then, when confronted, they apologized and made excuses as to their series of error and misconduct.
Product: Credit card or prepaid card

I am writing to dispute a transaction in the amount of [ {$410.00} ] on my account. The amount is inaccurate because the transaction was made on a card that was never delivered to me by mail and I never even activated that card. I was initially holding a Chase sapphire card ending in XXXX which I had misplaced. Hence I ordered a replacement card in XX/XX/2020 over the phone with Chase customer service. 

The customer service mentioned that a card ending in XXXX has been dispatched by mail to my address. However, I never received that card in my mail and I never activated the card since I didnt receive it in the first place. 

I noticed some unauthorized transactions on my account at XXXX amounting to {$410.00} on my account with a transaction date of XX/XX/2020. I promptly called the customer service on XX/XX/2020, upon noticing the transactions as I realized they were fraudulent as I never received that credit card ending in XXXX. The customer service rep assured me that the fraudulent charges would be reversed and I would not liable to pay charges for transactions on a card that I never received. 

On my latest statement in XX/XX/2020, I observed that I was being asked to pay for the fraudulent transaction of {$410.00} claiming that the first round of investigation was found to be against my claim. I called that chase fraud department promptly on XX/XX/2020, and they mentioned that they thought the card was cloned and didnt realize that I never received that card in the first place and they would investigate further. 

Again on XX/XX/2020, I received another notice in my account stating that they found the charges to be valid again and I should pay for those fraudulent charges of {$410.00} conducted from a chase sapphire card ending XXXX which I never received. 
I am disappointed that I am being asked to pay for charges time and again on a chase card which I never received. I hold a checking, saving, and three credit cards with Chase. I have referred multiple people to chase services over the past 2+ years of my relationship with Chase . It is basic common sense that I should not be held liable for charges that were made on a chase card ending XXXX which I never received and never activated it. 

I have called and explained this situation multiple times and by the look for the first discussion with the fraud department about cloning the card vs card being never received, it shows the investigation being made on non-factual investigation and makes me doubt the quality of investigation. 

As a consumer, harassing me for a charge that was never made by me on a card never received or never activated by me tantamount to fraud in itself. I request chase to provide me an acknowledgment of delivery and activation of the card ending in XXXX if it deems the transaction to be valid in the first place. 

I am requesting that the error be corrected, that any finance charges related to the disputed amount be credited to my account, and that I get an accurate statement. I dispute the transaction of {$410.00} at XXXX on XX/XX/2020, because of the reasons explained in this letter.
Product: Credit reporting or other personal consumer reports

USPS LETTER TRACKING NUMBER XXXX In a letter received by Experian on XX/XX/2024, Experian refused to investigate letter sent with notarized and valid documents such as ID, social, utility bill, and a notarized and signed affidavit document identifying myself as the send. 

provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. Validate Account XXXX Account XXXX : XXXX Please supply information on how you have verified this item. XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. XXXX. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. XXXX. Validate Account XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number XXXX Please supply information on how you have verified this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I called Experian credit reporting agency on XX/XX/2018 and spoke with a XXXX, regarding my some items on my credit report. I gave Ms. XXXX all the information she requested to verify who I was, she asked what I calling about and when I asked if it was right for them to still show late payments on accounts that were no longer open she became very nasty and rude this is not the first time I have encounter this Repensentive and she was the same way. I work with the public every day and that is no way to talk to someone when I never raised my voice or said anything to her that would cause her to speak to me in that matter. Thank you XXXX XXXX
Product: Mortgage

On XX/XX/2021, I paid my last VA loan mortgage payment and sold my house on XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted Amerihome on XX/XX/XXXX, in which the Agent stated it was applied and they can see that the mortgage was paid in full. I requested my escrow refund ( {$4100.00} ) to come to the home I'm staying at XXXX XXXX XXXX, XXXX TX XXXX- I never got it. I was told may take up to 14 days, so I called again on XX/XX/XXXX ; the Agent said it may be lost in the mail or take up to 30 days to arrive at my new home with my mail being that it was re-routed to Texas. I waited again until XXXX and nothing came. I called again on XX/XX/2021, to find out why my check never made it to my XXXX address and was told by the Agent that the address on file was still saved to the address where I sold the house ( XXXX XXXX XXXX ) I then told her to update my address to XXXX XXXX XXXX, XXXX, TX and she said that she would cut me a check and it would arrive with 7-10 business days. XX/XX/XXXX, I received an update on the address change confirmation letter but NO Refund check. On XX/XX/XXXX, I called Amerihome and spoke to an agent who stated that it would up to 14 days to look at my case from the date I called. I feel Im just getting the run-around to not give me a refund. Help!
Product: Debt collection

I started contacting companies on my credit a couple of years ago to fix my credit when I got out if the military. Consumer Adjustment was one of those company 's. I asked what debt I owed as I was unaware and the young man I spoke to was unsure. I asked if they would take a settlement for the XXXX original balance on the account he informed me that was not possible because that was what the debt had been bought for. I informed him I was currently in the process of applying for my VA XXXX and would apricate it if the company could please send me any type of paper work they had showing where the debt had came from. The company never sent me anything. I contacted the company again six months ago to ask if I could get the validation paperwork and they said that it had been sent to their legal department that the only thing I could do was pay off the debt, which I could not do because I live off my VA XXXX. I heard nothing Two months ago I began working with a XXXX XXXX to help resolve the last few credit issues remain after my divorce. This is when I again heard from someone at Consumer Adjustment. A woman Called me XX/XX/XXXX Asking me to identify myself when I asked who was speaking she insisted I confirm whom she was speaking to and that I was at my address. I informed her that if she was a debt collector she need to say so now or contact me via postal mail, She let me know that she was in deed with Consumer Adjustment and that if I did not pay my debt it would be reported to my debt. I then informed her that it had been reporting to my credit for several years and I would apricate it if she could tell me where the debt originated from. She, like the man I spoke to before, was unsure. I asked to be sent some sort of validation of debt as I had yet to receive any and was uncomfortable paying a debt I have no recollection of owing. She agreed to do so after doing so she tried to convince me it would be better for me to simply pay them XXXX dollars instead. I still have received no validation of this debt.
Product: Credit reporting or other personal consumer reports

I sent out disputes to XXXX, XXXX, and equifax. They keep updating the information instead of removing the inaccuracies.
Product: Credit card or prepaid card

PER THE LAST COMLIANT NO.XXXX, WHERE I FILED CLAIM ON XX/XX/2017 AND THOUGHT THE PROTECTION WOULD DISCHARGE SAID DEBT NOT BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX  credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my experian credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX XXXX.
Product: Debt collection

This complaint is against RECEIVABLES PERFORMANCE and XXXX. I keep getting collections notices for a name other then mine. The last name in question is spelled with a XXXX instead of a XXXX ; saying I owe XXXX {$420.00}. I have never had XXXX service and have been an XXXX XXXX XXXX customer for 20-Years. I have called XXXX several times and the Collections company ... with NO HELP. I have tried several times to remove this from my file and it was removed once and keeps coming back.
Product: Payday loan, title loan, or personal loan

Breach of signed contract. 
BHG " partnered '' with a seperate bank to mange our loan; did not inform us in writing that this transfer/partnership was occurring. Contract states that line of credit will not be reported to credit bureau ( s ). The partner bank reported to the credit bureau ( s ) breaching our contract signed with BHG. BHG readily admitted this was a breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

XXXX has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by XXXX. 

I will be uploading my Experian report clearly showing these negative inaccuracies. I believe that XXXX is violating the FCRA and FACTA. 

I called Experian XX/XX/XXXX to dispute this information, so I know that XXXX got my dispute and Experian provided a report showing that the information came back as verified ( which is clearly inaccurate )