23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have the Coinbase Visa debit card which is issued by XXXX. 

On XX/XX/2022, I had the following fraudulent transaction made on my debit card, which Coinbase has refused to refund : Merchant : XXXX Amount : {$490.00} Date & Time : XX/XX/2022 XXXX PM I saw the charge come through on my Coinbase app and I immediately called and notified Coinbase while the charge was pending. They told me that the charge was made in another country and that they couldn't do anything until after the charge went through and to call back and dispute the charge when that happened. The next day the charge switched from pending to completed and I called Coinbase support and initiated a fraud dispute. They opened a case and told me to check my email and it may take between 45-90 days to resolve. Coinbase replied back, via email on XX/XX/2022 with the following statement : " Thanks for contacting us. We acknowledge your concern that you want to dispute transactions on your Coinbase card. 

We have reviewed the transaction and on our end our attempt to initiate a chargeback was rejected by the network. 

Unfortunately, the chargeback was rejected by the network for the following reason Dispute is invalid under Dispute Condition 10.4 for a Visa Secure transaction. As a result, we will be closing your claim. '' Coinbase is refusing the refund this fraudulent charge or help me get my money returned. I have tried the following things so far with no results : 1. I called the Coinbase support hotline and they stated that they have no information about disputes and that the only thing I could do was try to reply to the dispute email. 

2. I replied to their email to enquire about additional information and steps necessary to get my money back. I have not received any response yet. 

3. I have messaged the CoinbaseSupport user on XXXX  to see if they can be of any assistance. I have not received any response yet. 

4. I opened a support case on the Coinbase website. I have not received any response yet, other than an automated email which states they will contact me shortly. 

If you can be of any assistance it would be greatly appreciated. I feel that I am entitled to a refund of the fraudulent charges made on my VISA debit card, but Coinbase seems to be just ignoring the problem. I also know there are others that have had very similar issues from reading posts on XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX
Product: Debt collection

Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.
Product: Debt collection

XXXX   XXXX , 2017 - - *   Rec eived letters from  XXXX  2nd/NEW Attorney (  *** ) -   Re  nt i s due on th e  XX/XX/XXXX  y et Attorney 's for the  XXXX  sent  3-day not ice with a debt collection notice attached as well. Attorney -   XXXX   XXXX   (  KTS )   XXXX   XXXX    2017-  - We sent certified letters to  XXXX  and  its at torney ( KTS ) to validate the debt and that we are disputing ALL portions of the alleged debt.       XXXX   XXXX    2017 -  - KTS filed unlawful detainer ( unbeknownst to tenants )   XXXX   XXXX    2017  - - Tenants received unlawful detainer    XXXX   XXXX  2017     - - Interrogatories personally delivered to Plaintiff Attorney of Record ( KTS ) .. Inspection demand personally delivered to Plaintiff Attorney of record ( KTS ) .. Notice of Motion-to-Quash, Judicial Notice  ,  personally delivered to Plaintiff Attorney of record ( KTS ) by server.       XXXX   XXXX   2017     - -   XXXX    XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   (  " Plaintiff '' ) authorized agents falsified documents and KTS is heavily relying on this information, which constitutes Civil Conspiracy.       XXXX   XXXX   XXXX     - - Counsel for KTS attempted to collect a debt without providing validation of the debt in violation of FDPCA, at court and in open court he attempted " Personal Delivery '' of the Summons and Complaint, even though we have disputed this alleged debt.     SUMMARY : The company is in violation of FDCPA, violations include but not limited to : - unlawful communication tactics -False statements and/or representation - Taking legal action on a fraudulent alleged debt.   - Malicious prosecution  - Harassment & Discrimination & Retaliation - I would l ike for this company and their process server to be investigated by this bureau, the California Attorney General, DOJ or FBI. Because if they are trying to pull this stuff on my wife and I am sure they have attempted this on other consumers and caused irreparable harm to individuals.     Law offices of Kimball , Tirey & St. John LLP  XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX , California  XXXX   Re  :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Vehicle loan or lease

Hello, On XX/XX/2020, I have taken a lease from GM financial and since the day 1 I am having trouble setup autopay. The error message keeps coming, saying invalid lease account number. I have called numerous times with GM, but they seem like they are not fixing it. As a result, every month, I have to pay with their external vendor XXXX XXXX and they are charging late fees with processing fees. Today, I Paid additional {$300.00} for late payments. This is absolutely unacceptable and they do not care to fix this issue on the website. Why should I pay extra {$300.00} late fees? I even tried to setup auto payment, which has been failed. I was told by the customer service, they are fixing it, but never happened. 

XXXX Account Number XXXX XXXX ID XXXX
Product: Debt collection

I have tried to pay my HOA fees and have been denied on numerous occasions and blocked from the website the community uses I have asked for a meeting with the board and never recieved a response. I have made numerous offers to pay down my fees to bring them current and I'm constantly denied but paperwork is being processed and I have yet to be summons to court for a hearing. I have also been in contact with XXXX XXXX i reached out a month ago with making a payment offer that he is going to see if the board will accept my offer to pay once again I'm waiting on a response but as of today XX/XX/23 I received a foreclosure letter out of no where when I've been waiting on response from the board with acceptance offer made a month a no one is giving me the fair chance to make payments snd actually explain what's going on or have I been able to be in a hearing to explain my hardship. All I would like to do is bring my assessments current and be caught up. The Hoa is using illegal practices against its home owners and using an attorney that doesn't identify himself as a debt collector.
Product: Debt collection

XXXX XXXX XXXX company is fraudulently attempting to collect a debt on behalf of Bank of America for a former debt that was charged off by Bank of America. 
This company uses illegal collection practices in addition to Bank of America. Both use illegal collection activities. Both Bank of America and XXXX use harassment techniques by phone to record false information instead of discuss the discharged closed account.
Product: Debt collection

I have just filed and had accepted my complaint with the DONOTCALL.GOV website. I will summarize this information for you here as I wish to also file a complaint with you for the actions taken by  PNC BANK  and its representatives.   Just as a point of information, I have NEVER EVER in my entire life done any business whatsoever under any name whatsoever with  PNC BANK  or its affiliates.   My phone number is   XXXX   XXXX   XXXX   XXXX  . I was given this phone number sometime around    XXXX   XXXX      when I moved to  XXXX , PA.   Shortly after I got this phone number, I began to get harassing phone calls from  PNC BANK  and  PNC BANK FINANC identifie d by a "  XXXX  '' area code. The caller is always looking for   XXXX   XXXX  .   I have repeatedly advised  PNC that I am not and never have be en  XXXX   XXXX . In my entire life I have never ever heard of  XXXX   XXXX .   I have also repeatedly aske d PNC to s top calling me looking for  XXXX   XXXX .   Despite all of my numerous effort s, PNC absolutely refuses to stop  calling me day after day after day, hour after hour after hour demanding to speak to  XXXX   XXXX . And they likewise refuse to accept that I am not and never ever have been  XXXX   XXXX . And  PNC adam antly refuses to accept that they are calling the wrong phone number.
Product: Money transfer, virtual currency, or money service

I 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 process 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 financial loss, and I seek appropriate redress For the these violations.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 

These inaccuracies are preventing me from buying a house for my family, purchasing a car so I can be mobile and have some independence.
Product: Mortgage

It is tax time. I need a copy of my XX/XX/XXXX and XX/XX/XXXX Form XXXX Mortgage Interest Statements. I asked and has been asking Bayview Servicing Co, my mortgage lender servicer for copies of the statements but to no avail. I started doing this since XX/XX/XXXX and their response is, they were already mailed. I always check my mail in search of the needed statements however, I don't find any. I am getting desperate. I will travel on XX/XX/XXXX for a month, I am scared I can not file my income tax return before I leave. 

I remember last year. I requested the XX/XX/XXXX XXXX form. They were not able to give me the form. They just gave me the amounts of interest I paid them enabling me to include the information in the XX/XX/XXXX tax return. 

I am thinking, what could be the reason why they don't give the form? It is very important for me because it gives me the deduction amount that I can make from the tax computation and it should tell me the balance of my mortgage debt. I am paying a lot for this mortgage and they owe me to give a correct report/statement on time.
Product: Debt collection

Actions taken by Receivables Performance violate the federal Fair Credit Reporting Act and have had negative impacts on my credit worthiness. I cancelled service with XXXX in XX/XX/2017, sent equipment back, but still received bills in large amounts with invalid billing. Issue has since been resolved with XXXX, invalid billing was credited by XXXX and I paid valid charges, attachment, proof of XXXX balance. I contacted Collection Agency, Receivables Performance, who were informed initially that this was not valid, but attempted to collect debt from me anyway and damaged my credit rating by adding to my credit report. I advised them of error, dispute and resolution with XXXX and I requested corrective actions be taken, in the form of zeroing out this balance in their systems and removing this invalid debt from all 3 of my credit reports. Receivables Performance indicated that I still owe {$700.00} and refused to remove from my credit report, despite resolution actions taken by XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX. XXXX contacted Equifax via certified mail on or around XX/XX/XXXX and XX/XX/XXXX that there were inaccuracies reporting on my credit profile to do with a late payment from XXXX which is a closed account and also a bankruptcy record that is reporting inaccurately. 

I submitted a dispute letter on XX/XX/XXXX to Equifax as follows : Dear Equifax : My name is XXXXXXXX XXXX XXXXXXXX. This is a letter to request the reinvestigation of the above confirmation number in reference to the Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record and according to the Equifax credit file dated XX/XX/XXXX, the Public Record information is verified and obtained through a third-party XXXX. 

The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still on my credit file from Equifax and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. 

This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( XXXX5 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance.

I personally signed and sent this letter. 

Sincerely, XXXX XXXX Equifax responded on XX/XX/XXXX that as a result of a reinvestigation that a discharged bankruptcy remains on the credit file and that the records are obtained through a third party vendor, XXXX. According to my Consumer Report from XXXX there is no bankruptcy reported in section 9 of my consumer records. I contacted Equifax to dispute the inaccuracy because in their letter they indicate that they verify the public records through XXXX of which there is nothing reported as far as a bankruptcy but Equifax is violating my rights as the information must be reported 100 % accurately and they are continuing to report this on my credit file. 

I have also disputed the late payment of XXXX which is a closed account and this is not being reported by XXXX or XXXX. My credit file is supposed to be reporting accurately across the board with XXXX late payments and Equifax refuses to correct this late payment status on my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX I made a balance transfer from XXXX XXXX XXXX XXXX and a check was mailed to Macy 's credit card in the amount of {$1100.00} to pay off my account with XXXX XXXX. The check was mailed on XX/XX/XXXX and was cashed by XXXX XXXX department store on XX/XX/XXXX. I called XXXXXXXX XXXX a few days later to ask why the money had not been credited to my account otherwise making another payment due to XXXX XXXX. I was assured that it would be credited within 3 days and I would not have to make another payment to my account. I thought everything would be credited and my balance would be XXXX after that.Then I received an email from XXXX XXXX  on XX/XX/XXXX, stating that a payment was due on my account. I called XXXXXXXX XXXX and learned that my account was never paid off and is in dispute ... .I was never informed that my account was in any dispute and the customer service person that I was taking to refused to give me any more information. I asked to speak to her supervisor and I was told the money was applied to another customers account and they could not figure out to whom they applied it to, so my account is in dispute. I was informed that XXXX XXXX asked for a copy of the check from XXXX on XX/XX/XXXX to verify that funds were sent to my account, but XXXXXXXX XXXX will still not release payment to my account. I contacted customer support at XXXX XX/XX/XXXX and the customer support person put all of us on a 3 way call XXXX was told the same thing. My account was put into another 21 day dispute by XXXXXXXX XXXX   starting on XX/XX/XXXX and now I am making another payment to XXXX XXXX. Since this time my XXXX credit card that I transferred the balance to is now due and I am making 2 payments for XXXX XXXX. I am unable to resolve this mater and would appreciate any help I can get.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing these accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over five years. 

But somehow, this fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents. 
Please dispute these accounts. This was opened with out my knowledge, authority or consent. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Student loan

In XX/XX/XXXX I contacted the Department of Education looking for loan documentation on XXXX Educational services/XXXX XXXX i was given the number to Navient. I have had several complaints to the CFPB. The last complaint I was sent loan document issued from XXXX educational services I believe XX/XX/XXXX I asked for proof of disbursement in the complaint that were not sent. Through Navient I was sent to XXXX another one of Navient 's companies. XXXX sent documentation of an investigation done by the ombudsman with the Department of Education indicating a transaction history of 1. a reimbursement by the Department XX/XX/XXXX, XXXX.and that would include disbursements ( canceled checks ) in proof tht loans existed. 
When I spoke with Navient in XX/XX/XXXX they said that I did not have federal loans I had private. Spoke with the private loan department and XXXX XXXX loans were on their system. So why is Navient looking at the NSLDS which are federal loans data system with those loans as private on their system.and why haven't they corrected the issue. I have two loans that were with National Education now with Navient why Navient? Because Navient services XXXX XXXX? XXXXXXXX XXXX loans. 
Now I asked for a total and permanent disability discharge that was processed through MInnesota life claims department I don't believe those loans are even owed they were canceled same as XXXX XXXX. Please note the corresposndence by XXXX ( Navient )
Product: Mortgage

I have a 30 year conventional loan with the company Planet Home Lending , LLC registered in XXXX, CT. I have been making monthly payments on time and do not owe any late payment. I called the company on XX/XX/year> to request a recast of the loan because I have some saving and want to make a lump sum toward my balance. But the customer service person told me that they can not process the request because my loan is about to be sold to XXXX XXXX  effective on XX/XX/XXXX. When I called again on XX/XX/XXXX to ask when I will be officially notified about the sales of my own and ways to make my next payment which will be due on XX/XX/XXXX, the customer service person was not able to provide an answer. I am wondering what rights I have as a consumer in this case? Was it legal for the company to reject my lumpsum payment requested more than a month before the sales of my mortgage? Is the company obligated to tell me the next steps and where to make my next payment after the sales? Who will be responsible for the extra interest I will pay because I wasn't able to make a lumpsum payment?
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accordance with The Fair credit reporting Act Public law 91-506 Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Vehicle loan or lease

I already submitted a complain about false late charges for my Hyundai Motor Finance loan. After those were removed I now have a bad mark on my credit report for being 30 days late on my XXXX payment. I made this payment on X/XX/17 and the documentation is attached. I have never been late on a payment on anything in my life and have a credit score of over XXXX, the amount of issues I have had simply making my car payment are ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX XXXX. They are furnishing false and inaccurate data to the Transunion, and XXXX. My dispute with XXXX on XX/XX/, 2018 resulted in the inaccurate, false reported information by XXXX XXXX XXXX XXXX being removed. However its still is being reported at XXXX and Transunion.