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

on XXXX XXXX I tried to cash in some ETH ( ethereum ) from my coinbase wallet to my coinbase account. When sending the transaction the phone kept saying error. I looked up Coinbase transaction where they sent me ETH to my coinbase wallet and used that address. Well it sent the XXXX of ETH to Coinbase XXXX where they sent me some ETH prior. So it went through. The ETH went to Coinbase corporation instead of my coinbase account. They have several times changed their rules on taking out so much and limiting no more than XXXX. So now they have XXXX ETH in their Coinbase XXXX account and have ask them for it several times, like 4 times one verbal and three emails. They said their working on it and then XXXX XXXX i get an email they are closing the case. They did not return my email on not closing the case. So this is theft if they do not send me the ETH to my coinbase account.. Coinbase says they are not responsible for Coinbase wallet. and Coinbase wallet is not responsible for Coinbase. CASE # XXXX Started on XX/XX/XXXX to XXXX XXXX XXXX I have the screen shots on my phone but I do not know how to send them for a file. The Coinbase wallet address is XXXX from XXXX to XXXX ( coinbase XXXX ) they have possesion of that XXXX ETH and it is not theirs.
Product: Credit reporting or other personal consumer reports

Hello team, Am trying to solve this issue from more than 4 months ago, you are waiting my name and my financial future, am trying to build my financial future, am communicating with you XXXX and Tesla finance from approximately 4 months and nothing till now, zero results, I want my auto tesla loan to be effective on my credit reports on a monthly basis, I just get hard inquiry from tesla finance and 2 other finance companies, tesla finance sent my informations already to XXXX as they requested and I'll upload the email here, XXXX is not responding to tesla finance emails or my emails, I will upload also what XXXX applied with the last dispute here.
Product: Credit reporting

US department of education loans were taken over by XXXX and now they both appear on my transunion credit report, and the US department of ed XXXX appears under collection from 2011 even though I have been making the regular payments. XXXX and XXXX are not showing this. It 's impossible to speak to any representatives at Transunion because their phone system does n't recognize when you dial your choices. I have started an investigation online.
Product: Consumer Loan

I made two extra payments for {$2000.00} and {$2100.00} to my car loan ( # XXXX ) with Ally on XX/XX/XXXX and XX/XX/XXXX respectively. When the payments posted to my account Ally charged me interest for each one. 

On XX/XX/XXXX I contacted XXXX separate Ally representatives ( XXXX and XXXX ) via Ally 's account chat feature to request that the extra payments be applied to principal only. The reps said they would apply the total amounts to principal. The XXXX representatives stated that any future extra payments that I want to make to principal only can be accomplished if I make a request after the payment by phone or chat and then they would adjust the payment to apply to principal only ( chat sessions attached ). 

On XX/XX/XXXX I viewed my account to make sure Ally had applied the extra payments to principal but instead they had added XXXX confusing transactions to my account and I could not determine if the amounts were applied to principal. Furthermore, there is no itemization on my account which shows how each of the transactions affected the principal amount. 

On XX/XX/XXXX I telephoned Ally and spoke to XXXX ( refused last name ) and she avoided my question multiple times when I asked her to explain why they created the XXXX additional confusing transactions for just XXXX payment adjustments. The descriptions for the transaction types vary greatly and they make no sense considering I only asked for XXXX simple payment adjustments. They include " online payment reversal, '' " unpaid balance reduction, '' " payment for check reversed, '' and " insurance payment. '' I then noticed that one of the interest charges ( {$3.00} ), for one of the extra payments, was credited and debited 5 times but in the end it was not reversed. XXXX, contradicting what the other XXXX reps told me, said Ally only applies extra payments to future payments, applies daily interest to the extra payment, which pushes back my payment due date. XXXX said that even if I request the extra payments be applied as principal only, interest will still be charged despite what the other XXXX reps told me. 

All the above actions by Ally are just a tactic to optimize the interest they earn on car loans. Furthermore, for XXXX Ally representatives to say principal only payments can occur and a third that says they ca n't is very suspicious.
Product: Credit card or prepaid card

To Whom it May Concern, I am writing to express the DECEPTIVE and PREDATORY practices that HomeDepot implements on harding working XXXX families. 

I have recently been charged an interests rate of {$1000.00} on a promotion balance of {$2800.00} on my HomeDepot credit card. That is 37 %! 

I had paid the full balance before the due date but some of the amount paid was applied to the revolving balance versus my promotional balance and thus not listed in the promotional balance section of your credit card website. 

A similar situation happened back in XX/XX/XXXX where my payment was returned to me because of some technicality on behalf of HomeDepot website and I was charged the interest rate. Luckily, I was able to get the interest rate reverse. HomeDepot only allows one reversal every 12 months, so now I am being forced to pay {$1000.00} in interest because of HomeDepots DECEPTIVE and PREDATORY methods and not being transparent with their customers as to where their credit card payments are being allocated. 

When I called the HomeDepot credit card services on XX/XX/XXXX and talked to XXXX in the Client Advocacy Unit Team XXXX in your Idaho Office, he said nothing could be done to help me. This is EXTREMELY alarming and disheartening considering the fact that HomeDepot prides itself in superior customer service and supporting local communities but when time comes to put your money where your mouth is NOTHING. NO help. This is living proof that corporate XXXX DOES NOT care about the working class who are the consumers that keep your companies afloat with while making record profits.

When time comes to help a customer, who ALWAYS makes their monthly payments on time, and is constantly shopping at your stores over a technicality NOTHING can be done to help them. Thus proving, that once again the little man has to swallow their pride and face the consequences. This is a prime example of the LACK of humanity and understanding that corporations have towards the average consumer and their ability to flex their superiority because what leverage does the everyday XXXX have against a giant, untouchable, multi billion, dollar corporation? Not much beyond using my words to let other average XXXX and XXXX know about my experiences with the HomeDepot and convincing them that they have a choice to shop elsewhere. 

Being that average XXXX, I have everything to loose. Paying {$1000.00} in interest at a 37 % rate of the initial balance is A LOT of money and has HUGE financial implications for me. On the contrary, reversing this interest fee has minimal loss implications for the HomeDepot in comparison to daily profits the company makes.

I am writing ASKING, IMPLORING, BEGGING for you to help me and see if anything can be done to avoid me having to pay this fee and to bring this situation to your attention in order to help other customers avoid being caught in this vicious web of DECEITFUL, CRUEL, and PREDATORY practices. 

I would appreciate any assistance or help in this matter. 

You average everyday XXXX, XXXX XXXX
Product: Credit reporting

I have tried to go directly to the credit reporting agencies and they have simply ignored my request to correct all of the incorrect data. I am coming to you in hopes that you will be able to help me to get them to do what they should have done already. Please remove all incorrect information reporting on my credit report. The following accounts are reporting incorrect information : XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX : XXXXWhat are the credit limit and past due amounts?? I was not late XXXX 2015. You are reporting improperly. Delete. 

XXXX : XXXXYou are reporting this negatively but you are n't showing any lates. Either report correctly or delete. 

Dept Ed/XXXX : XXXXWhat is the monthly payment and credit limit?? You are showing that I was current but the very next month 90 days late. Where is the 30 and 60 day lates? Either way ... this is past the statute of limitations!!! 

XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. There are XXXX of these ... delete the duplicate immediately. 

I would like them to fix or remove these items right away. I appreciate all of your help. Thank you for everything you do.
Product: Debt collection

My bill is due on the XXXX  of each month. On the XXXX, they start calling me at least 4 or 5 times a day, every day.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2023, Portfolio Recovery Associates LLC sent hearsay statements on an alleged account that was not owed. PRA is failing to cooperate with me in providing the proper documentation I have asked for. As asked for with my original complaint here and with my complaint with the Tennessee Department Of Commerce and Insurance ( Collection Board ) They have failed to provide a contract with my signature consenting that I have allowed to conduct business with them, they have failed to provide an original purchase agreement with my signature on this alleged account, they have failed to provide a cardholder agreement signed on this alleged account, and failed to provide a sum certain showing how this alleged amount was arrived at. PRA has failed to show proper verification as " Verification '' is defined in XXXX XXXX XXXX ( XXXX XXXX ) as " Confirmation of correctness, truth or authenticity by affidavit, oath, or deposition ''. I demand this to be verified by an affidavit from a competent person. If PRA can not verify or provide the proper documentation on this alleged account I demand PRA to close this file within their office, cease collection activity, and do not report to ANY of the credit bureaus. I will not tolerate PRA unfair business practices and I will not engage in any business activity on an alleged account with PRA that I did not consent to.
Product: Credit card or prepaid card

I emailed the XXXX team in XXXX XXXX to ask about this XXXX XXXX XXXX Credit Card account, received the letter notifying me that a have a new credit card that I didnt approve. Awaiting their response before I start down the path of XXXX reporting for fraud and damages. Im not contacting or registering with Comenity as Im unsure if touching their website then confirms/acknowledges the unauthorized account. 

I have a copy of the email to XXXX that I can share.
Product: Credit card or prepaid card

1. I requested refund from Capital One Savor credit card for a flight tickets purchase of {$170.00} from XXXX to XXXX by XXXX XXXX due to covid19 that XXXX closed boarder to U.S. citizens and booked flight cancelled and we were put on a different flight 5 hours earlier. They offered one year time limit credit which is useless because the pandemic would not be over by then. So I insisted for a refund. 

2. On XX/XX/XXXX Capital One notified me the case # is XXXX and they needed more back document to continue the process. 

3. On XX/XX/XXXX, I submitted all the requested documents before the deadline of XX/XX/XXXX. 

4. I didn't hear any replies and I called on XX/XX/XXXX and I was told that no decision had been made yet and I should hear back from them very soon.

5. Up to today, two months have passed, I have not heard from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I deposited a insurance check into the checking account. Was advised when depositing the check that the funds will be available in two days. Upon going to the branch to withdraw the funds, I was told that the funds would not be available until the XXXX due to it being a new account. I was also told that this was available in the disclosures. I advised, the person at the bank that I received no disclosures via email as there are no disclosures available on their online account. I was also told that the check hold could be removed from a branch manager. The branch manager refused come into the bank to remove the hold, so I proceeded to call the customer service I spoke with the risk management management team. The risk management team locked my account. I have additional funds in the account alongside with the check for {$1100.00} as I advised them I will wait for the check to clear on the XXXX, but instead, they took the liberty of locking my account and not giving me any availability until the check clears which I have no availability to my funds. Also on the XXXX I may not even have access to the account so I will not have any access to my complete funds because the bank is doing a runaround I want my funds released.
Product: Checking or savings account

Hi my name is XXXX XXXX XX/XX/1957 XXXX I have been totally abused by this bank from my Character as a XXXX year old veteran of The United States Military first and far most but more importantly as a American Citizen of the USA I went through and still going through things to where my Health plays a very big part of my life my daughter died from XXXX and I'm raising my Grandchild and being the soul provider of my family working 6 days a week for me to be locked outta my account for a month and 2 weeks to being back in my account jus to be kick out 20 mins after Know I have one of your personal telling me I can't close my account because I refuse to lay down to this dramatic treatment is very ridiculous and I want stand for it hopefully someone hears me because some at this bank don't. Not mention you have maybe a great Manger at one of your banks as being at the job he does but when it comes to helping a customer he has NO RESPECT AT ALL I've fought and been XXXX twice in XXXX yrs for our country and he'd rather treat and discriminate me as a criminal but I want be terrified of anything on my own Soul he's rude and evey Military Base in the United States will hear bout this when I'm done I been fully verified by this bank I'm a XXXX yr old man who jus doesn't have the time or patience for this anymore I have a XXXX XXXX  with my NEICE whom is the XXXX XXXX  a XXXX XXXX I'll will have my day Thank you Sir.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to cfpb # XXXX. Experian is incompetent in handling my affairs. On XXXX XXXX a request for block and delete of information on my credit report was submitted to Experian via the cfpb. Experian has neglected my request. Experian response was Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, you have supplied through the CFPB portal and directly to Experian. In your dispute, you indicate that your credit report is showing inaccurate information. You are requesting to remove this information from your credit report. Upon further research and investigation, the listed inquiries are not appearing on your current Experian credit report. An updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For any remaining inquiry please note that by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. Requests for your credit history remain on the personal credit report for at least two years. Inquiries from credit grantors who request your credit information as part of your application for credit will display under the heading Inquiries shared with others on your personal credit report. These inquiries display on your credit report when it is accessed by others with a permissible purpose. These inquiries may affect your credit score. Other inquiries for your credit information are considered soft inquiries and do not affect your credit score. 

The FTC report and personal statement referenced ACCOUNTS on my consumer report not INQUIRES! XXXX you are not doing your job. You assumed this role of housing my consumer report. It is your duty to handle all request by the consumer correctly. You are reporting : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX You have XXXX XXXX to block, delete and make the reflections to my consumer report or you will be held liable in federal court for not properly handling my affairs. I will be seeking compensation for monetary damages!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, XXXX, XXXX, XXXX XXXX XXXX, and any other relevant creditors regarding inaccurate credit reporting information and unjust collection activities concerning an alleged debt attributed to my name. Despite my repeated attempts to resolve this matter directly with the involved parties, they have failed to provide adequate documentation to substantiate the validity of the debt in question. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. My direct contact number is XXXX. 

The specifics of my complaint are as follows : XXXX. **Inaccurate Debt Reporting** : Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX and other creditors have reported an outstanding debt associated with my name, yet they have failed to provide sufficient evidence validating the existence and accuracy of this debt. Despite my requests for documentation, including signed contracts or agreements pertaining to the alleged debt, the creditors have neglected to provide such evidence. 

XXXX. XXXXViolation of Fair Debt Collection Practices Act ( FDCPA ) XXXX : Under the FDCPA, creditors and debt collectors are required to provide accurate information regarding debts owed by consumers. Moreover, the FDCPA prohibits creditors and debt collectors from engaging in unfair or deceptive practices. Despite these regulations, the involved parties continue to pursue collection activities and report this alleged debt without providing the necessary documentation, thus violating my rights as a consumer. 

XXXX. XXXXDemand for ResolutionXXXX : I demand that Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX and any other relevant creditors take immediate action to provide documentation validating the existence and accuracy of the alleged debt. Furthermore, I request that they cease all reporting and collection activities related to this alleged debt until the requested documentation is provided. Additionally, I request the removal of any negative reporting related to this alleged debt from my credit reports until the debt 's validity is verified. 

Failure by the involved parties to comply with this demand will result in legal action. Any continued reporting of this debt and attempts to collect on it without providing the requested documentation will be considered a violation of the FDCPA. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian, XXXX, XXXX, XXXX XXXX XXXX, and any other relevant creditors for their failure to adhere to federal regulations governing credit reporting and debt collection practices. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this issue. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Direct : XXXX cc : Attorney XXXX XXXX XXXX.