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

To Whom It May Concern, Please may I ask for your help? Due to my wife needing XXXX. I was forced to take a pay-day loan from a company in XXXX  XXXX, Wisconsin. Due to the COVID - 19 outbreak I have now lost my job of 12 years. The company is known as Advance America. The interest on this loan is 235 % annually. I called the company and inquired if due to the pandemic, the company was not allowing for interest to accrue. I was told there are no requirements for the company to abide by. This seems outrageous to me, as all regulated banking institutions are working out forbearance agreements with their customers. Why does not the State of Wisconsin allow for companies to operate such as this? 
Every other company that I am dealing with, is allowing for no accrued interest and no late fee penalties. The company takes the stance that they are here to help those in need, Really? If so, help now when the world is devastated. I sincerely want to get the organization paid in full as fast as possible but I need their cooperation. I sincerely can not pay interest in the hundreds of extra dollars This company also assured me that they do not do hard inquiries on credit reports, yet I have them on my credit report. This I feel is taking severe advantage of individuals that are in trouble financially. I needed a " fast '' loan that I had all good intentions of paying back within 2 months. Then the world fell apart and now I am stuck. May I please ask for your support in these difficult times, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account information : # XXXX, US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to convert my cryptocurrency holdings to USD on Coinbase. However, despite selecting USD, Coinbases user interface repeatedly defaulted my transactions to XXXX without my consent, within the span of 2 minutes. This resulted in multiple forced conversions and a financial loss of approximately {$1500.00} due to unexpected trading fees and market fluctuations. 

I immediately contacted Coinbase to correct the issue and request reimbursement, but they provided vague responses and failed to take accountability. They acknowledged that they were aware of the issue but refused to confirm whether they would refund my losses. After further escalation, Coinbase denied my claim, stating that XXXX was selected in my transactions, despite the fact that their UI repeatedly defaulted my selection. 

This was not an error on my partit was a UI issue that caused unintended conversions and financial loss. I believe Coinbases failure to honor my intended transactions and lack of transparency regarding this issue may be in violation of consumer protection regulations. I am requesting CFPB intervention to address this matter.
Product: Bank account or service

Wells Fargo Bank is refusing to honor a check used to open accounts for my trust account. They are claiming the check was altered. The issuer says that they write all their checks with the payee 's name hand written on the check while the rest of the check is typed. I feel that the bank is inferring that I submitted a fraudulent check to them. Can you please help me get this issued resolved. There XXXX accounts opened with this check. Both a checking and a savings account. The accounts were opened on XXXX/XXXX/2015. I am a veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the XXXX XXXX credit card Charge Off and balance for 2 years now with Experian and even shown evidence that it was paid in full back in 2020 through wage garnishment via XXXX. They haven't update or removed from my credit report even after the 10th dispute. This is impacting my FICO scores and under the fair credit reporting act, now illegal. Please help me resolve this matter.
Product: Debt collection

XX/XX/16 I sent certified letter to this company requesting validation of this debt and the letter was returned to me - no mail receptacle unable to forward
Product: Mortgage

The Company, Nationstar dba Mr Cooper, offered me a trial modification in XX/XX/XXXX. 

I accepted and made my first of three payments by phone of {$540.00} in XX/XX/XXXXeven though it wasn't due until XXXX. My second payment due in XXXX was paid on XX/XX/XXXX on-line. I have proof of the cashed check from my bank statement and it posted on XX/XX/XXXX. 

Mr. Cooper couldn't locate the payment when I called to make the third and final payment and told me the modification had been canceled. After several phone calls they said they still couldn't locate the XXXX payment and the house was in foreclosure. 

On XX/XX/XXXX, after speaking to the Resolutions Department I faxed the Research Dept. ( fax XXXX ) a copy of the bank statement that showed a payment was made in XXXX in the amount of {$650.00}. The amount is higher because that was the only payment the on-line system would take. 

Today is XX/XX/XXXXand I have still not heard from Mr. Cooper.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$31000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Checking or savings account

I opened an account with Citi on XX/XX/XXXX and I deposited {$15000.00} within 30 days of account opening and deposited additional {$1100.00} within 60 days of account opening. I was promised to receive {$500.00} bonus for opening a checking account however I didn't receiver any. 
I received an email on XX/XX/XXXX saying I didn't meet the requirements so I won't be receiving promised bonus. I reached out to the bank via instant chat app within the Citi 's online portal and got told to call a number. I did as suggested and I was told I would receive the said amount in XX/XX/XXXX. 
At the time of submission of this complaint, I haven't received promised bonus for opening an account with Citi. 
I reached out to the Citi via same channel ( using instant chat available in the online portal ) on XX/XX/XXXX and I got the same exact response from the representative. 
I don't want other people to get tricked into opening an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send my letter off in XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

According to the FRCA the term " investigate consumer report '' : means a consumer report or portion thereof in which information on the consumers character general reputation personal characteristics or motive living is obtained to personal interviews with neighbors friends or Associates of the consumer reported on or with others with home he is acquainted or who may have knowledge concerning any such items of information They stated my account was verified but how is that possible if they did not do a proper investigation? according to the law. also every piece of information on these is counts is still not reported a hundred percent accurate and according to the F RCA 15 USC 1681 everything has to be 100 % percent accurate or deleted.
Product: Credit reporting or other personal consumer reports

Im having problems of applying for my unlimited access of credit because my credit report is used improperly and inaccurate and my information is being shared with my consent
Product: Money transfer, virtual currency, or money service

over 2 years ago i started an account with an online brokerage firm called RobinHood.com fast forward to about 3 months ago and i get locked out of my account because they quit using email verification, so i contacted their customer support via email and fought with them for about 2 weeks over this issue to no avail, so i contacted another company called XXXX who sent me some account transfer paperwork which i filled out and sent back to XXXX who then sent it off to robinhood 's headquarters about 2 months ago, robinhood ignored the transfer and so XXXX sent a letter to them to follow up which was ignored and they sent a second letter which was ignored and now they are going to send a third letter which will probably be ignored. as a result i have called many lawyers who mostly tell me they dont know what to do and 1 that said i should contact your offices, the sec, and if that doesnt do anything then to contact the FBI and press charges on robinhood. also i went to robinhood 's website yesterday XX/XX/21 to email their customer support to let them know that XXXX was trying to get ahold of them, only to find out that they changed it so that you cant email them unless your logged into an account which im locked out of, as a result if i wanted to contact them i would have to go to their headquarters in California to do it, because i couldnt just send a letter it would be ignored. all i want is my money back.
Product: Checking or savings account

I deposited $ XXXX per bank terms, bank charges us $ XXXX  monthly service fee improperly causing funds became low and then continue charging {$30.00} fees which are fraudulent fees. 
Need full refund Also account was opened in response of Citi solicitation to deposit new funds of $ XXXX for reward of {$500.00}. 

Citibank is practicing bite and switch
Product: Credit card

I placed an order on XX/XX/year> with XXXX Fragrances and within an hour I sent the company an email canceling the order. On XXXX before the order was shipped I received an email from a XXXX trying to explain their pricing I informed her that I still wanted to cancel the order. That was the last communication we had. However, there website states in part, orders canceled prior to fulfillment are entitled to a full refund. I received my credit card statement from Discover and I was billed for the order. I contacted Discover and disputed the charge. I was informed that the disputed amount was valid. I informed them that I never received the merchandise and according to their website Im entitled to a full refund. However, Discover refused to credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two letters so far regarding accounts that were misleading and false reported on my credit report, which is a violation of FDCPA section 807. I still have not received any response from the bureau regarding this account. I also sent letters regarding unauthorized and old ( more than 2 years ) inquiries on my credit report. This is affecting my ability to obtain credit and move into a new home.
Product: Debt or credit management

I was having problem with cashapp not reflecting me my money I never could get in touch with no one from cashapp service
Product: Credit card or prepaid card

My Name is XXXX XXXX I receive government XXXX  XXXX  In XXXX, AL on a GO Program pre-paid card. On Saturday, XXXX, XXXX, 2020 there were five unauthorized purchases that were made on my account in XXXX, Georgia. I have my physical card and have never lost procession of it, so someone has skimmed my card to get the numbers. The purchases were at XXXX # XXXX for {$82.00}, XXXX  XXXX # XXXX for {$39.00}, and XXXX XXXX XXXX XXXX, GA for {$20.00}. Two were made to a " XXXX XXXX for {$4.00} and XXXX XXXX for {$7.00}, they were credited back to my account. I was successfully able to speak with someone on XX/XX/2020 when the initial charges were pending. I was told that they could not do anything until the charges posted. I then canceled and re-ordered a new card which I receive on XX/XX/2020. I have been trying to get someone on the phone so I could dispute the charges. The automated operator would not allow me to talk to a real person until I got the new card on today XX/XX/2020. I am now able to speak with a person but they have to transfer me to the fraud department which keeps me on hold for the longest 2hrs or 30min and then after that time the call disconnects. I am very angry with this process it should not be this hard just to talk to someone to dispute these charges this is very unprofessional. I am currently on hold as I am filing this complaint and it has now been 45 mins and counting. I have no money at this time for my child of which was waiting for this deposit to buy groceries and diapers. I really hope that you can help me recover the money that was lost. My Number is XXXX my e-mail address is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as wrong with different zip codes and wrong information
Product: Checking or savings account

Bi-weekly, I get paid from my employer, XXXX XXXX, and every Thursday morning I get my paycheck, scheduled for the next Friday. This week I did not receive it on the usual Thursday morning in my Capital One checking account, which is alright, I can wait until the next day, but the paycheck still has not been received by Capital One as of XXXX XXXX  MST, Friday the XXXX. I have bills to pay and have to rely on friends and family just to pay them. They have not issued any direct communications on when it will be available or what the problem is, I understand there is an outage but there is no update to when it will be available. Talking to their 'AI ' customer support chat on their website yields no information and nothing of use as to why I haven't received my paycheck.
Product: Bank account or service

To Whom It May Concern, I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles even after charging monthly maintenance fees on my bank account. Since there is not even a Citibank branch near my house or work, the bonus outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognized. I reviewed. my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated reflect that the account is disputed and therefore a second validation letter was sent out on this day. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureau 's until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continually reporting the account XXXX XXXX XXXX XXXX XXXX on my credit report as an accurate verified account. This is a fraudulent account, which Experian has received able legal documented documentation that this is a Fraudulent account and has relied on XXXX XXXX XXXX XXXX XXXX to verify its accuracy. Experian is also aware and has been put on formal notice in writing as well that legally when requested a creditor must disclose and provide a copy of application document with signature used to open the disputed account, or they must remove debt from affected party 's name and information, also their credit report. None of which has occurred. It's the law under the Fair Credit Reporting Act, and I'm asking that Experian at least adhere to the law. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit XXXX XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nt treat a payment on a credit card 427 account under an open end consumer credit plan as late for and purpose
Product: Checking or savings account

- Transferred my money from a joint bank account to XXXX XXXX after a divorce as we needed to close the account. 
- Closed the joint account after the divorce. 
- Opened a new bank account to transfer my money back to. 
- XXXX locks my account and restricts access to my funds. 
- 7x Calls to apple with different reasons. 
1 ) They can't verify my identity with my phone number and told me to call my carrier to see if my name was attached ( I did and they confirmed everything was correct ) 2 ) They mixed up my old credit account with my ex wife. 
3 ) They don't know. 
- They told me there is nothing they can do and the only thing I can do is wait despite offering any confirmation. 
- XXXX is the amount in total.
Product: Credit reporting or other personal consumer reports

Reporting agencies Transunion, XXXX and XXXX are in violation of the FCRA act. I have damages from this violation of them reporting information on my credit report from identity theft. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX It is illegal to report information on my credit report without my permission. Please remove the following accounts and inquiries that i did not authorize from my reports : 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 Please remove these accounts and inquires. I have already submitted a copy of my FTC Report and Police report to all 3 Bureaus numerous times and nothing is being done.
Product: Checking or savings account

I opened the citi bank account on  XX/XX/XXXX .  And I was qualified for the promotion of {$400.00} offered by citi then for account opening and deposit. But it had been almost 9 months since then. I still has n't received it yet.  <P/> In the past months, I submitted all documents citi required. But every time, they said it worked now. But every time when I checked with them again, they would found an excuse and mentioned I was not certified again.  <P/> For e.g, I went to citi bank branch to meet a personal banker directly and submit the documents they asked again  2 weeks ago. T he personal banker mentioned it  may  need around one week to process it but I still has n't received anything and even the personal banker did not respond to my email.  <P/> I am really angry on it.  Citi  is playing games with customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with JPMORGAN CHASE BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and JPMORGAN CHASE BANK with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.