23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My mother financed a car with XXXX XXXX in XXXX in XXXX. The finance company is Overland Bond. My mother has paid her car note every month on time. Now, in XX/XX/XXXX a young girl hit her car which caused a car accident. In the police report, it stated my mother is not at fauly but the young girl was. The young girl`s car insurance refused to fix my mom`s car and put it down as a total loss which is wasn`t. Now my mom doesn`t have a car now. Overland Bond contacted me yesterday XX/XX/XXXX threatening to garnish my wages, put this balance on my credit because I am the co-signer for my mom`s car. I was not refusing to pay but the way the supervisor called and threatened me not knowing the insurance was supposed to cover the loss. They are stating my mom owes {$10000.00} which is incorrect. On me and my mom`s XXXX credit report, it shows my mom owes a balance of {$12000.00}. The insurance company agreed to pay {$6300.00} to Overland & Bond which actually leaves her a balance of {$6600.00}. Now, Overland Bond is stating the vehicle in total is {$16000.00} which is impossible because that is not a document of paperwork me or my mother signed. They won`t work out a payment plan with us. They are just now calling me yesterday XX/XX/XXXX stating the account is 25 days past due. How is that possible and I asked Overland Bond in regards to why are you guys contacting me 25 days later stating the account is past due! This is wrong and illegal and I want to file an action of suit against this horrible finance company and whatever arrangement we can make to not affect me and my mom`s credit would be great.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am reaching out to formally submit a complaint regarding my Coinbase account, which has been blocked for approximately one year. 

Over the past year, Coinbase 's Compliance/XXXX  team requested various documents related to my residency and the origin of the funds I transferred to their platform. I diligently provided all requested information, including bank statements, tax documents, and proof of residence, in a timely manner. 

However, this morning, I received an email from Coinbase stating that my account is no longer active, can not be reactivated, and that my balance is {$0.00}. This is highly concerning, as I believe I still had approximately XXXX XXXX  in my account, which, at current market rates, would be worth over {$35000.00} USD. 

After seeking clarification, the Compliance team informed me that Coinbase does not provide services to XXXX XXXX, where I reside. They advised me to contact Coinbase Support for further resolution. However, when I attempted to do so, I found that the support page only provides access to a generic FAQ, which does not address my issue. Additionally, on my account support page, there is an open inquiry requesting that I verify my identity, but when I attempt to complete the verification, I am redirected to a page stating that my account is blocked.

As a result, I am caught in a frustrating loop where I am unable to reach a representative who can assist me. I have no access to my funds and have not received a clear explanation for the account closure or the disappearance of my balance.

I would appreciate your assistance in investigating this matter and ensuring that Coinbase provides a transparent resolution. 

Thank you for your time and support. 

Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern :  I c ontinue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning ; How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts all my student loans accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX   student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Credit card or prepaid card

I have been a customer of the Capital One Union Plus card since XX/XX/XXXX. Since I opened this card, I have submitted all payments through autopayment directly from my bank account and have not had any late payments. 

In XX/XX/XXXX, I was notified by XXXX that my credit score had dropped significantly by 69 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called Capital One customer service and they mentioned that they had done a system upgrade on their website and that the autopayment did not carry over which caused a late payment and a reporting to the credit bureau. I was asked to re-enroll on the new website and reset up the autopayment. 

I do not recall receiving notification of the system upgrade and the need to enroll to reset my information. I just checked the website on https : //unionplus.capitalone.com/ and it states that customers should reenroll to access their accounts, but specifically states that " Payment settings will transfer.Your existing AutoPay information will carry over to the new website. '' This clearly did not happen. I told the customer service agent that I did not receive this information and requested to remove the late payment from my credit report since it was due to a system upgrade that didnt transfer my autopayment details, but they told me that that would not be possible. 

I have been working very hard to build my credit score back up and the 69 point drop seriously impacts my ability to access credit and improve my financial situation.
Product: Checking or savings account

This morning, I received an email that a Bank of America account had been opened with my credentials. After thoroughly researching the email address, content, and cross checking with BOA, I was indeed able to confirm that it was legit. I immediately notified the fraud department there that supposedly shut everything down, and informed me that there were no charges or activity. ( It was only about XXXX hours before I had caught it and shut it down. ) The worst part, is that I have had a long term freeze on all of my credit reports/accounts, yet somehow, the BOA platform allowed and approved an online creation without any form of photo or personal verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The trans union company continues to report this inaccurate account in my credit file. I have done everything under the law to prove this account was open in a fraudulent matter with no response from the creditors and the trans union company. I've taken the extra step to attach my FTC and Police report in another attempt to clear my name.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a XXXX XXXX flight ticket from XXXX. Later on XXXX claimed the flight was cancelled. Normally I should expect a refund going to my credit card. But XXXX forced me to accept as airline credits, which I had never wanted. This transaction was made through my US Bank Credit card ending XXXX. Therefore I tried many times to get my money back through the bank online dispute, but the they did not proceed to a dispute claim. To be forced to accept airline credits apparently has formed extra credit card debt to me. Therefore, I hope to get my money {$540.00} back to my card as soon as possible. I attached the credit card statement to indicate this transaction under merchant name as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Mortgage

During the course of our Chapter XXXX repayment plan our lender failed to credit our account appropriately for XXXX payments. We have contacted them on several occasions over many years, but they have yet to credit our account properly. In each of our disputes, we provided the lender with the proof showing the payments have n't been properly applied and they still wo n't correct these accounting errors. They are as follows : 1. XXXX - Payment never applied, shows received on XXXX, principal balance is {$170000.00} before payment is received and remains that amount until XXXX. Payment shows in unapplied funds column of the payment history as provided by the lender. 
2. XXXX - Payment never applied because of reversal errors in accounting. The principal amount of our loan after the XXXX payment was {$160000.00}. A payment was made on XXXX. The lender applied the payment twice, then reversed the payment twice, then reapplied a payment, then reversed the payment. This left the balance at the end of XXXX after making a payment still showing {$160000.00}. 
3. XXXX - Payment never applied because of reversal accounting error. The principal balance at the beginning of the month was {$150000.00}. A payment was received on XXXX. It appears the payment posted twice but it only XXXX payment affected the balance. On XXXX, the payment was reversed causing the principal amount to go from {$150000.00} back to {>= $1,000,000}. Our payment for XXXX was received on XXXX and the lender contends that is the reapplication of the funds. However, we have shown proof, the XXXX payment was a new payment and not the reapplication. 
4. XXXX - Payment never applied because of Lender reversed it in XXXX. The payment shows being received on XXXX but not applied to the account until XXXX. This payment is inexplicably reversed on XXXX.
Product: Credit card or prepaid card

Capital One should consolidate all their pulls on my credit into 1 pull instead of pulling my credit so many times & damaging my credit score & denying me. & Capital One should approve my credit cards because I have good credit.
Product: Credit card or prepaid card

XXXX XXXX card claimed they would give me a XXXX welcome bonus after I spent {$4000.00} in 3 months. I have already completed it in XXXX and have n't received their rewards up to now. I made several calls to their customer service, but still no updates, which they promised would give me a feedback on XXXX XXXX. I made another call today, they say they can do nothing to help and do not want to give me a timeframe of when they can fix it. I do n't think they really want to pay the rewards. If they do n't give the deadline, they can even pay it after 10 years.