23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

https : //www.coinbase.com/borrow Coinbase Borrow offers an individual the opportunity to borrow money using bitcoin as collateral. It doesn't work, at least not for me. It tied up my bitcoin as collateral and provided nothing in return. Coinbase has been unresponsive and hasn't returned my bitcoin despit me informing them that I no longer want a line of credit. There was an error at the end of the Coinbase borrow process. There was no loan confirmed. It simply said error. Afterward I noticed my XXXX was locked up as collateral. However, I never received anything in return. I didn't receive anything ( loan, a line of credit, cash, etc. ). I've told Coinbase I no longer want the loan and I've asked them to return my XXXX and unlock it as collateral as I never received anything in the first place. Support has been unhelpful. There has been no word around my complaints. Coinbase shouldn't be offering loans using XXXX as collateral given the service doesn't work properly and due to the fact that they are tying up user assets without giving them anything in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, I filed a dispute with this bureau about the unverified account : XXXX, XXXXAccount # : XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Consumer Loan

I took out a title loan with Titlemax. they told me there interest was 8 %. I all I wanted was {$2500.00}. By the time they got through with me I walkout with {$5100.00}. I gave them back {$2400.00}. My math and there math do n't add up. I will be paying back right at {$10.00} only pennies goes to the principal. I all attach a summery of my payment. This is raping me. I am a XXXX income family. I can not continue to just give money to this company. I have paid them a little over {$7000.00}. It does not have a end. They want me to drive 2 hour to make a payment at times and almost refuse to take a payment over the phone. In those situation they make me make a double payment. That does not seem right. Can you help me. I am XXXX years old and work for a living but I also have medical issue that need to be taken care of. It is almost impossible to do with this issue hang over me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX XXXX ACCOUNT NO. ENDING IN XXXX I am writing to dispute the above-referenced debt which I do not owe. All charges of interests, fees, and debts on the Account referenced were automatically charged by XXXX XXXX XXXX to the XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX has accepted the liability for the charges of such interests, fees, and debts ( See XXXX XXXX XXXX communications attached ). 
This debt is in fact the debt of XXXX XXXX XXXX as indicated on the attached Statement. All charges to this XXXX XXXX XXXX Account were generated for the establishment of the XXXX XXXX XXXX down payment and monthly dues. ( See XXXX XXXX XXXX communications Attached ). XXXX XXXX XXXX was partnered with the XXXX XXXX XXXX in establishing this account and automatically charged Monthly Fees to this account ; they share the same Letterhead on the billing notices. Although I was assured by XXXX XXXX XXXX  that the Account had been rescinded and the down payment, Monthly Dues and Fees were taken off of the charge card, XXXX XXXX XXXX and XXXX XXXX left a balance of these fees on the Credit Card and commenced to charge interest fees on that amount. Additionally, XXXX XXXX XXXX and XXXX XXXX have jointly reported to each of the Credit Bureaus that I am delinquent each month on this Account which has severely damaged my Credit Score. 
I sent letters complaining of this process to both XXXX XXXX XXXX  and XXXX XXXX ( XX/XX/2020 ) to no avail ; the debt has increased each month and has been reported to each Credit Bureau as being a " delinquent account '' ( one credit bureau reflects last 5 payments on time with delinquent balance. ) I sent letters to the Credit Bureaus P.O. Boxes ; however, each was returned to sender. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

This is a request to remove the following late payment from the account # XXXX ; XX/XX/year>. During these times, I was going through a tough time mentally, financially and socially due to the state of emergency around the world. I have now recovered and would like to get back on track with the terms per our Agreement. I am in the home buying process for my family and would truly appreciate your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened in my Name with Zales. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as Comenity Bank/Zales along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where XXXX were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time. 

This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with. 

At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, XXXX, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court. 

A XXXX shipment containing legal documents including my social security card, passport and XXXX was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery. 

A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization. 

Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports. 

Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, with TransUnion and XXXX. TransUnion neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer. Transunion can't keep ignoring evidence showing other bureaus deleted the same account they aren't even investigating properly.
Product: Credit card

In the Chase Banking app, they offer credit back promotions ( often referred to as Chase Offers ) in partnership with merchants. One of the offers that I saw tonight, which is offered with XXXX  website, is deceptive as it offers 15 % cash back or 30 % if you spend $ XXXX ; however, the offer stipulates the maximum cash back is {$16.00}. 

{$16.00}, the maximum one can earn, is 15 % of {$110.00}, which means the advertising gives a false impression that an increased cash back % is available at a higher spend.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card

I received what appeared to be a letter from chase about a recent credit card application being denied for potential fraud. I called the number on letter and Input my social in automated system. Lady confirmed my address and name and said she would send text to my phone. Claimed wasnt working and shed call me back. She did not so it is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item with JPMCB through the CFPB ( consumer financial protection bureau ) in XXXX XXXX, and the company stated the investigation was closed and the company stated the results would remain. I am providing documentation to support my claim.
Product: Credit reporting or other personal consumer reports

I Want All of these inquiries deleted immediately because I did not authorize these companies to Run my Credit that is Fraudulent!!
Product: Mortgage

in XX/XX/20 during pandemic my mortgage loan fell behind and I was given forbearance plan. My husband and were both on unemployment income and were not able to pay the mortgage, once we returned to work, I asked Mr. Cooper who was my lender at the time, for a loan modification, and was denied, then I asked for repayment plan and during this time, the loan transferred to Rightpath Servicing, the clock started over and they reviewed my account for loan modification and was denied again, their reason was that the monthly payment would be higher than it is, I kept saying I can afford higher payments, but I was still denied, then I have saved up {$70000.00} towards the past due amount and offered that but again, was denied. I am turning to you for help, I have {$70000.00}, my past due amount is {$130000.00} and I have asked for a XXXX  month payment plan for the remaining balance, I was denied, they said either all the past due or they will foreclose. I have a XXXX son and I am XXXX XXXX survivor and are unable to move in this bad economy. Please help me save my home.
Product: Debt collection

I request that Experian investigate these accounts and block or remove them from my credit report as they do not accurately reflect my credit history. I have attached supporting documents for your review. 
I appreciate your prompt attention to this matter and request that you provide me with an investigation results and an updated copy of my credit report once the accounts have been resolved. 
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 My information was sold and bought illegally because I was a victim of the + XXXXdata breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach
Product: Credit card

I received promotional materials advertising a credit card claiming 0 % introductory APR for purchases and 0 % introductory APR for balance transfers. In a separate table below, it indicated Transaction Fees for the Balance Transfer at either {$5.00} or 3 %, whichever is greater. The way the information is organized intentionally misleads consumers to believe that there will be no fee associated with the balance transfer.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress
Product: Student loan

I am writing to complain about how interest is calculated to my student loan which isn't how I understood it would be charged when I started repaying. For XXXX I paid {$3800.00} to my loan provider. The interest that was collected for the year is {$2300.00}. which means {$1500.00} went to the principal amount which is currently {$51000.00}. My loan interest rate is 4.5 %. This means that I paid more in interest to the lender than what was applied to my loan. If you do the math, 60.8 % of what I paid for XXXX went to interest. This is far, far more than 4.5 % interest. By the time I finish paying off my loan balance I will have paid almost two times the amount that I borrowed which is not 4.5 %. This is just wrong. Students are misled when it comes to the methods lenders use to collect the absolute maximum amount of interest they can while making it sound like a fair agreement where you pay just 4.5 %. 

Another complaint I have is that I defaulted on my loan thanks to the recession in XXXX where I was unable to find work. When I found employment and was able to start paying again I had to enter into a loan rehabilitation plan in order to start paying back my loan and was charged 18 % of my principle balance just to be able to start paying back my loan. This is just wrong also. 

My last complaint has to do with the school that deceived me also. I was told they were an accredited college and that my credits would transfer to the other colleges and universities. It was my plan to attend college after getting my associated degree to get my engineering degree. When I enrolled I was informed that my credits from XXXX would not transfer to the state XXXX college I was enrolling in and that I would have to take all the classes over again. Not only that, but the school I attended was shut down because of deceptive tactics and other dishonorable methods. 

I feel like I have been totally robbed. It baffles me how young adults are taken advantage of and misled by our educational and lending institutions. This is so wrong and so unfair, and it needs to be correct. If we have to mislead people in order to make huge profits then we are selling a product or a service that has no business being sold. 

When it's all said and done, I will have paid over {$80000.00} for an associates degree from a school that was shut down because they were corrupt. I am truly disappointed with this system and how the people who are keeping this country and economy running competitively are so frequently violated. 

Regretfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments report on XXXX  XXXX. The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card or prepaid card

On XX/XX/2022 XXXX applied for a American Express card. Card promotional materials as well as Card review sites that were sponsored by company advertised that card had instant account access via XXXX XXXX and a Virtual number. This was not the case after signing up for the card. None of this information was available and when calling customer support they said this was contingent on pre-approval for feature. This is despite the card itself being advertised as an instant cash card with instant use. Customer service hung up on me after I confronted them on this and refused to cancel card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only problem I have had is with XXXX Credit. 

XX/XX/XXXX I signed up for a card at the store - never received the card or any statement from XXXX. After a few weeks I contacted XXXX and the resent card and I subsequently finally received a statement showing late fee. I complained to XXXX and they removed the late fee but never removed the credit report of a late fee.XXXX remains the only adverse account on my report. My credit score dropped 45 points in XXXX as a result. 

I filed a complaint with Trans Union on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In all cases investigation showed Trans union simply accepted XXXX XXXX version disclaiming any responsibility. 

I had a previous issue with XXXX website regarding the failure of their alert system in the billing website. After having that card for 15 years I cancelled the card and did not re-apply until XXXX, XXXX. I have now cancelled the most recent card from XXXX as well. 

I have a significant net worth and have no issues with any other lender but XXXX.
Product: Checking or savings account

PNC Bank will not allow me to link my accounts to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an old debt, from when we had XXXX for internet. We switched from XXXX XXXX XXXX XXXX XXXX for internet, and XXXX continued to bill us for XXXX  months. They stated we never requested cancellation. I gave up fighting it, and accepted the collections status. 

The debt is from a few years ago, and has been sold at least twice that I know of to different reporting companies. It was just sold again, and they are currently reporting it as an OPEN account that was opened on XXXX of XXXX. 

This is NOT accurate. We last paid them in XXXX or XXXX of XXXX. This is XXXX year old debt, and should reflect that. 

The current report shows a balance {$160.00} from XXXX ( both are probably correct ) The date opened shows as XX/XX/XXXX ( VERY incorrect - Opened XXXX, XXXX and ended XXXX ) It also shows this as an 'OPEN ' account, when it has been through the hands of multiple collections agencies. 

The re-addition of this 'new ' date and status has tanked a credit score that I have been working very hard to rebuild. 

I have tried to dispute this with XXXX, but they said that they confirmed the information was valid. It is very much NOT. 

Please help.
Product: Credit reporting or other personal consumer reports

XXXX account missing from credit report on XXXX and Experian,, Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner - Account Type XXXX  Creditor Classification - Loan Type XXXX Original Creditor Name - Months Reviewed XXXX Activity Designator - Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$1100.00} Credit Limit {$15000.00} High Credit {$2100.00} Available Credit {$13000.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency - Comments and Contact For questions regarding this account please contact : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Debt collection

Yes hello, I have a bad debt charge off from XXXX XXXX Swiss Colony from back in XXXX they have continually tried to hurt my credit since then and have successfully. I filed a complaint withXX/XX/XXXX credit reporting a few days ago and they/XX/XX/XXXXXXXX intentionally put a charge off on my account again as of the XX/XX/XXXXof XX/XX/XXXX the next day from my complaint to hurt my credit again, and my credit report dropped 25 points because of the complaint. This is a outright intentional doing on their part to hurt my credit again and this is not fair and not right to hurt the consumer just because they try to get the credit report redacted or taken off of their credit. 
This is illegal and I am not about to stand down because of a simple debt charge off from this company, attempting to hurt me and my credits intentionally on purpose because of a simple complaint to get it taken off and redacted this is ridiculous and on purpose this should not be allowed to hurt the consumer over such a simple thing from years ago. This is ILLEGAL and irresponsible on their part to intentionally hurt me the consumer on purpose this is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed XXXX as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for XXXX XXXX, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. 
I m disappointed! I dont know how to delete it from my name I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for it