23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I've now opened up over XXXX CFPB complaints against XXXX. The CFPB really needs to take action because XXXX, being the WORST of the XXXX credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, policeXXXX FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my XXXX credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at XXXX because they took off this XXXX credit card that has been repeatedly asked to be added back on for almost 4 years now by both XXXX and XXXX. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, Transunion removed the XXXX card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking Transunion, XXXX, and XXXX to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.
Product: Debt collection

My financial institution sent me a letter regarding my XXXX loan debt. 

15 USC 1692b section 5 Acquisition of location information I have a right to Privacy. 
Any language or symbol on the outside of an envelope or inside on the statement is a clear violation of the law. 

You have violated me pursuant to the FDCPA 15 USC 1692b section 5. 
You sent me a letter and/or envelope that contains language on the envelope and the statement that identified you as being in the process of collecting a debt from me. This is a violation. 

Now the mail delivery XXXX is asking me questions about XXXX XXXXXXXX.
Product: Mortgage

On the morning of XX/XX/21 my mortgage company Mr Cooper over withdrew my checking and savings account {$5500.00}. They took three months of mortgage payments in a row. Ive never been late, Im not on auto payment and had already made my XXXX payment. In the morning of XX/XX/XXXX I woke up to my bank accounts drained and had no money. Im lucky I have credit cards to get me through the day before the funds were replaced 12 hours later. I also bank with XXXX and it seemed to be an error on both parties Mr Cooper and XXXX for this unacceptable error according to social media. After an hour on hold with Mr Cooper I was offered no explanation but there was an issue with payment processing and XXXX after an hour on the phone with them could only route me to the claims department but did not give me funds to use for the day. I want to know what exactly happened and what compensation the company is going to award their customers for there inconvenience and breech of trust/law/ethics
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I borrowed XXXX from Uprova I will admit I did not read the fine print and once they deposited my {$1000.00} loan I was hit with owing {$4000.00}. My finance charge is XXXX. My annual percentage is 676.77 %. With 15 bi-weekly payments of {$260.00}. When I saw this contract I immediately contacted them to give the money back and they refused saying the contract was already signed and they will proceed to take the funds bi-weekly starting XXXX XXXX XXXX
Product: Checking or savings account

I deposited a bank note check from XXXX ( I sold them my vehicle ) into my account on XXXX-19 for {$3000.00}. According to the CFPB checks over {$200.00} but less than {$5000.00} should clear in 2 business days. I was advised by Bank of America that the funds would not be released until XXXX-19, which is 8 business days. I believe that they are holding my funds and gaining interest on my money for extra days rather than releasing the money into my account. Can you please investigate and advise if this is an illegal practice.
Product: Student loan

I had called into customer service in XX/XX/XXXX because my grace period was over and applied for the income based repayment plan. I was told that I should consolidate my loans together so that I would have better option of paying off. This customer service agent did NOT educate me on what that meant and had me consolidate. When I called in again to apply for public service loan forgiveness a different represantative told me that had I NOT consolidated that my loans could've been forgiven as I had worked in a qualifying employer since XXXX. I wasn't told that once I consolidated none of that was possible. I have called in numerous times since then and customer service agents all tell me something different. I am very frustrated and just want to know why I can't get my loans forgiven when I qualified for them, instead they want me to start all over from XX/XX/XXXX on.
Product: Credit card or prepaid card

I been customer with Bank of America for years they been scammed me with overdraft fees hidden fees you name it one time they charged me {$35.00} three time total of {$100.00} for one day regardless if you covered your account in the same day With my credit card story at one point I decided to closed my account and I have balance on it even though I closed it they still charged me late fees for months with no mercy I hope you can study my case and see how they abused me and crumble my life thanks
Product: Debt collection

This company consumer XXXX co Just put something on my credit out of the blue I have no idea who this company is. Ive never done any business with them or received any documentatikn from them in the mail. I never entered into any agreement with them in his collection accounts negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a certified letter on   X/XX/2017  as well as a fax on  X/XX/2017  regarding updating the accuracy of my address, telephone number and employment. They have refused to make the changes. I submitted a copy of my drivers license, social security number and a bank statement, with my current address ( which has been my address over the last five y ears ). Even Experian has corresponded with me through my updated address.
Product: Credit card or prepaid card

I have been trying to transfer my American Express membership rewards to airlines for 2 weeks ( from XX/XX/11 ), but the system keeps showing " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I tried to security message customer support who wanted me to call their Membership Rewards team and the MR team said they can't do anything about that and won't tell me the reason why my account is under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid my account in full with XXXX  XXXX  and exeter finance. i would like for those XXXX companies to have the credit bureaus delete the account information from my credit report. for some reason on XXXX and i believe on XXXX, the accounts are still showing on there after i paid them off.
Product: Checking or savings account

This agency Chex Systems refuse to follow the laws and release updating correct info on my credit file with their agency. Chex systems continues to discriminate against me on a personal matter from me having a XXXX XXXX XXXX acct. that was paid off some years ago. XXXX said they contact Chex systems years ago asking them to update that my debit was paid in full with XXXX XXXX XXXX. 
I have been in great not good ... GREAT! stranding with XXXX XXXX XXXX since XX/XX/2015. I do not know what chex system problem is but I need this discrimination against me to stop! 
XXXX XXXX XXXX tries to open me a checking acct and saw that these idiots chex systems still has a block on me nationally so I can not open any checking acct anywhere. I am so sick of this agency not having current update info. 








Chex Systems, Inc.Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Transunion received XX/XX/XXXX on validating there data furnisher for this erroneous unverified invalidate bankruptcy being reported on my credit report. XXXX responded XX/XX/XXXX that the bankruptcy was verified as accurate by the data furnisher XXXX XXXX XXXX XXXX. I responded with a letter stating there method of validation was invalid and to please correct there error, letter received by XXXX XX/XX/XXXX and responded with file # XXXX dated XX/XX/XXXX once again the data furnisher is the bankruptcy courts. I sent XXXX  another letter to advised they are in violation of 15 US code 1681 for invalidated inaccurate credit information letter received XX/XX/XXXX. XXXX responded letter dated XX/XX/XXXX data furnisher is the bankruptcy court. I have enclosed 2 letters to verify XXXX falsely stated an erroneous bankruptcy on my credit report and have yet to remove it. The letters was received from the court dated XX/XX/XXXX and again XX/XX/XXXX. The Bankruptcy letter from the court states " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Transunion has obviously violated FCRA rules and my consumer rights.
Product: Credit card

I recently checked my bank account and seen an unauthorized transaction from a company called Acima leasing I reached out to them they told me an account has been opened in my name, which I did not authorize. I recently lost my phone in a public place, and despite my efforts to locate it, I was unable to recover the device. My phone was not fully secured, allowing unauthorized individuals to access my personal details, including login credentials and sensitive data. As a result, someone used my information to commit fraudulent activities through bank accounts and acima leasing. I am working with the authorities to resolve the issue and protect my identity moving forward.
Product: Checking or savings account

I ordered from an online merchant using PayPal in XXXX for {$600.00}. The order required a signature from me upon delivery XX/XX/XXXX. I received an email notification that it was delivered at my residence while at work. I never received my package and with further investigation via XXXX, the package was delivered to the wrong address and they let a thief sign for my package. I have all the supporting documents stating the wrong address it was delivered to and the person ( thief ) who signed for it. I have exhausted all channels to get this matter resolved ; the merchant ( XXXX ), PayPal, XXXX, XXXXXXXX XXXX, in addition to calling the police outside the residence of the thief 's building in order to file a police report. The police did not file a report and told me to resolve the situation with my bank. I also filed complaints with the XXXX XXXX XXXX and The Attorney General 's Office. There is no accountability being taken and I don't have the merchandise nor my money reimbursed. If this is not resolved I will have to file a lawsuit against the merchant ( XXXX ), PayPal, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX  companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 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  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I notices in XX/XX/XXXX of XXXX, a two transactions in one of my accounts of Bank of America, one for the amount of {$850.00} and the other one for the amount of {$350.00}, immediately I proceeded to call them and the customer service representative help me to discover that they are been taking little amounts of money since XX/XX/XXXX through XXXX merchant from IL, NY, CA. We proceeded to cancel that debit card and sent me a new one and The bank opened a claim a return the amount in my account until they concluded the investigation. Last week XX/XX/XXXX they took all the money bank and they statement is that according to the merchant they probed with a email that doesnt belong to me and an old address that they transactions belong to us. That email never belong to my husband or my person, and I dont leave in that address more than 3 years ago of course they stole personal information and identity. My account is not been related to XXXX since XXXX of XXXX. I have many business and personal accounts with this bank and this personal account wasnt checked by us daily but I noticed it when I saw my balance reduced one day for more than {$1000.00} dollars in one day. I can provide you with anything you need to probe that this is a fraud against us through identity theft and debit are fraud for more than {$2800.00} dollars since XX/XX/XXXX. to XX/XX/XXXX, I really need the bank to solve this matter to a loyal customer instead a company that provide false information.
Product: Credit card or prepaid card

I accepted a promotional offer from Well Fargo. At the time they did disclose that payments would be applied to the highest interest rate above the minimum payment. However, what they did not disclose was that you have no method to pay off particular portion or charges leaving zero options to avoid paying interest except paying off the card in full. My under standing was that their was an up front fee. Their was no disclosure that my actual interest rates would be higher because of Wells Fargo conceived limitations to how a creditor can pay off balances in a payment system. 

Furthermore, I was told their was no disclosure about the payment limitation nor one about the fact that some of your " Balances are Subject to Interest Rates '' when I agreed to the offer. 

In review. Instead of being charge the disclosed flat rate ( 4-5 % ) I'm actually paying 5 % plus 21.99 % variable rate on 10 % of my account balance. I have no idea how they came to that figure because I paid off the card prior to accepting the offer and they refused to disclose it and/or mail me anything once I questioned them. Even if I wanted to pay off those " Balances Subject to Interest Rates '' I can not do so because Wells Fargo 's designed/programmed the to do just the payment system to be able to collect additional fees not disclosed. 

I find that to deceptive business practices.
Product: Credit card or prepaid card

In late XXXX, I found an offer online for XXXX Hilton Honors points for opening a new credit card account. The only reason I applied was to get those points. I never received any of the points. I have called customer service three times about this one particular, specific issue and was promised that the situation would be resolved to my satisfaction three times. I have never received those points. 
I met all criterion to qualify for those points. I spent {$1000.00} using the card within three months and have paid all bills in full each month. 
During my last call I demanded to speak with a supervisor. That customer service supervisor told that because I had closed a previous AMEX Hilton Honors card, that I was not qualified for the points. That information never appeared on the website, in the confirmation email, and was never communication to me in multiple phone calls I had with XXXX beginning the first day I applied for the card. 
This is a fraudulent offer, very deceptive and I am closing my account and intend to sue them in Small Claims court if it is not resolved immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream had been refusing to send my fcra report! 

For a very long time! 

SageStream was hiding behind the excuse that they allegedly needed certain things re-sent by fax from me! 


Me & another person - we fixed a fax machine! 
We sent the fax that SageStream said to send! 

We got an error message saying that the fax machine on the other end - that is - SageStream 's fax machine - was turned off! 

Apparently - SageStream turned off their fax machine! 

Now - SageStream will - probably - use that as an excuse to still not send the fcra report that they were legally required to send!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payment late year XXXX
Product: Debt collection

I sent out a Cease and Desist letter to have Advance America stop all collections efforts. They sent out a letter in the mail which I consider a scare tactic.
Product: Debt collection

1. Portfolio Recovery has not provided any competent evidence that I have any legal obligation to pay on the account in question. 

2. Portfolio Recovery did not validate the account before reporting collection to the XXXX credit bureaus 3. Portfolio Recovery falsely reported new account activity on my credit report that has resulted in a damaging credit rating and inability to open credit. 

4.Portfolio Recovery has not provided any written agreements in place between its firm and the client they allegedly represent
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX Someone went into to XXXX and filled out application in my name without proper identification or social security number. When I contacted XXXX they said that it was an attempt to commit fraud using my name. 

There are XXXX inquiries on my credit history that did not provide any services for me. These mortgage companies ran my credit workout my knowledge or permission. I want these inquiries removed from my credit report immediately. Thank you. 

Plus this one that I couldn't add before because there were not enough drop boxes to add it. 

CORELOGIC CREDCO XXXXXX/XX/XXXX
Product: Credit card

One of the Bank of America cards was in my possession and my name in XXXX in XXXX. Their fraud dept. said that I was the only card holder. I recognized two purchases that I actually made. I was living in XXXX and my husband, at the time, was living in my home in XXXX. Therefore, all the other charges are fraudulent and likely all done on the internet through a 3rd party processing company likely XXXX, XXXX etc... 
I have contacted B of A MULTIPLE times and they have done nothing!! Every time I call the number they provide ( no answer but I leave a message ) and I send a followup email, they say they attempted to contact me but it is completely false. No phone calls or emails addressing the situation. This has been going on since XXXX For the one card in question, the charges are on average $ XXXX.
Product: Money transfer, virtual currency, or money service

( 1 ) In the month of XXXX, I made 9 conversions between one digital currency and another. During that conversion, there was no disclosure of any fee for the transaction. It actually says that the Coinbase Fee for the transaction is XXXX ( see example image ) as stated on the order preview for the conversation. 

Post conversion, I realized that the post conversation dollar amount was far less than the pre conversation dollar amount. 

Upon complaining to Coinbase, I received the following. Note, I am an expert on these types of derivative transactions and this is an entirely false claim -- if there are funds reserved for liquidity or volatility risk mitigation, those funds need to be returned to the beneficial owner and not retained by Coinbase. Also, I have gone back to them several times for clarification and asking for the exact mechanics of the swap/conversion. They have refused to address after several attempts. 

" Hello xxxx, I'd like to explain what happened and why the fiat value of the funds you received is not the exact same as the value you were expecting. Depending on the volume and prices of orders on the order book at the time when a conversion is created, the conversion may fill  at a price less favorable than the most recent trade price, in some cases significantly so. This is commonly referred to as 'slippage '. This can cause an order to produce results that are more favorable, equal to or less favorable than original expectations. 

Per our Pricing and Fees Disclosure ( https : //help.coinbase.com/en/coinbase/trading-and-funding/pricing-and-fees/fees.html ) : Coinbase applies a Spread of two percent ( 2.00 % ) for Digital Currency Conversions. However, the actual Spread may be higher or lower due to market fluctuations in the price of Digital Currencies on Coinbase Pro between the time we quote a price and the time when the order executes. We do not charge a separate Coinbase Fee for Digital Currency Conversions. 

I hope this information helps! 

Regards, '' ( 2 ) Many days, even weeks after transferring money ( and the money being fully debited from my arround ), it is still often unavailable to transfer out of Coinbase. This is likely because they are using the funds internally to generate revenue.