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

on XX/XX/XXXX, I purchased 5 suitcases and one laptop bag from a vendor in XXXX. one payment went through on XX/XX/XXXX for {$1000.00}, and then another on XX/XX/XXXX for {$650.00}. I have been going back and forth with this seller since. He messaged me on XXXX saying that the packages were stopped going through customs, in which I paid thru XXXX XXXX  which was also a scam, {$600.00}, to get them released. he then tells me that the money was never received and to try paying again even though the money was already taken out of my account. at that point, I filed a claim through paypal. it was denied. I appealed and that was also denied. I paid for products I never received and I should be refunded that money. it should be taken out of the seller 's account and put back into min. I have proof of all of it, the tracking, him giving me the tracking, everything. I hope this can get resolved.
Product: Credit reporting or other personal consumer reports

I had a debt with XXXX XXXXXXXX  that was, Im assuming, sold to XXXX XXXX who uses a collection company called XXXX to collect debt payments. Ive emailed a paid in full notice and a final payment confirmation to both Experian and XXXX and every time my dispute comes back as verified so this negative mark remains on my credit report when ive shown them that the balance is paid off
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 p Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX, has violated my rights under 15 USC 1681 Section 602 A, which states, I have the Right to Privacy 15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681 c ( a ) ( 5 ) 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 antedate the report by more than seven years 15 USC 1681 s-2 ( A ) ( 1 ) states that 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: Debt collection

Receivables Management is attempting to collect money and interest on a account that I do not have Patient Responsibility for the medical billing error. They have recipes the Explanation of Benefits prior to this account becoming a collection. On XX/XX/XXXX I received an EOB that I am not responsible for dates of service at XXXX XXXX XX/XX/XXXX and XX/XX/XXXX for my son XXXX XXXX. XXXX XXXX had this information and still sent it to collections, and its illegal for a collection company to charge you interest on medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : 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 -- -- Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX  on or around the time I contracted XXXX XXXX and my job was affected. In XX/XX/XXXX I spoke with XXXX different supervisors on a recorded line about the billing error and was told that if I made consistent on time payments for 6 months, they would remove my late payments. My credit report has been adversely affected by my lost of employment due to the worldwide XXXX pandemic. After being assured by the management at XXXX that the erroneous late payments would be removed, I've been caught up and consistent an entire year since finding stable employment. I called XXXX today XX/XX/XXXX and The representative refused to submit my dispute for the erroneous late payments and refused to transfer me to a supervisor. ThIs information on my credit report is preventing me from purchasing a home. I would have never been in this position if i wasnt assured that the late payments would not affect me after keeping consistent payments. I feel like this is some form of extortion. If i would have known that XXXX would be this shady, i would have went to another finance company.
Product: Credit reporting

I made a payment using an automated system and the system used the phone number for my bank checking account number now I have a late payment on my credit report it was for {$10.00} I made the payment soon as found out about it
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX many emails and as you see they stopped responding. 

I CANT WITHDRAW.I HAVE TRIED ON 4 OCCASIONS AND THEY SEND ME THE SAME MSG. COINBASE FORCES ME TO UPLOAD AN ID, ( WHICH I CANT DO BECAUSE MY ACCOUNT IS CLOSED KEEP THAT IMPORTANT FACT IN MIND. ) SO HOW AM I SUPPOSED TO GET MY FUNDS. IM TRAPPED IN THAT LOOP????????????????????????????????????? THEY SAY I CAN WITHDRAW BUT I CANT WITHOUT AN ID ON FILE. SOOOOOOO????. IVE BEEN TRYING TO EXPLAIN THIS FOR 3 WEEKS BUT THEY WONT LISTEN. I DONT NEED DETAILS ABOUT THE CLOSURE I DONT CARE. WHAT I WANT IS TO KNOW IS HOW IM SUPPOSED TO WITHDRAW MY COIN IF IM TRAPPED IN A LOOP TELLING ME I HAVE TO UPLOAD AN ID ( WHICH I CANT DO BEING LOCKED OUT ) I DONT WANT TO AN EXPLANATION.I JUST WANT MY COIN. THIS SEEMS LIKE A VERY VERY FLAWED PRACTICE THAT NEEDS TO BE FIXED.
Product: Prepaid card

On XX/XX/scrub>XXXX XXXX XXXX  i received confirmation from the DISPUTE RESOLUTION TEAM for a Vanilla gift card that my dispute packet was received. i submitted the dispute because of an unauthorized transaction on the card. 

on XX/XX/XXXX they emailed me : This is InComm contacting you about your gift card issue, XXXX. We have reviewed your claim and we require documents to complete your request. Please provide your documents at your earliest convenience. The documents we are requesting are as follows : Front of the gift card and a copy of your receipt. Please follow this format on the subject line of your email : First Name Last Name Case ( Insert Case Number ). We are sorry for the inconvenience. This is a do not reply email box. If you have more questions or concerns, please contact us at our customer service department, XXXX. If you are a XXXX XXXX XXXX customer, please contact XXXX. 

and i submitted the appropriate documents. on XX/XX/XXXX, i was sent : XXXX XXXX XXXX, This is InComm contacting you about your gift card ( XXXX ) issue, XXXX. Your card is being replaced via FedEx and will arrive in XXXX business days. We are sorry for the inconvenience. This is a do not reply email box. If you have more questions or concerns please contact us at our customer service department, XXXX. 

Activation Issue Fax Number : XXXX Activation Issue Email Address : XXXX Fraud Department Incomm Payments i have still not received a replacement card, and have reached out via phone, and email multiple times without any response.
Product: Money transfer, virtual currency, or money service

I transferred XXXX Graph Tokens  from my XXXX  wallet to my Coinbase Pro wallet on XX/XX/2020 XXXX XXXX  +UTC. I checked on XXXX and it clearly states the transfer was successfully but the tokens did not reflect on my Coinbase account. I made several attempts to contact Coinbase customer service on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have even tried to contact Coinbase support on their XXXX page and there has been no response. 

Any help would be greatly appreciated. 


Transaction Hash : XXXX Case # XXXX Case # XXXX XXXX # XXXX
Product: Checking or savings account

First of all Wells Fargo is an excellent financial institution. I have been banking there for at least XXXX years I thinK. On XX/XX/XXXX or XXXX I received notice that the bank " found inaccurate info and or missing info required to comply with federal anti-laundering laws to protect your account from fraud and other criminal activity. '' Wells Fargo is asking me to come to a nerby branch in order to provide proof of address verification. What prompted their action is my change of address from my brothers house to a mail service organization called Traveling Mailbox. Prior to that my brother was handling my mail for almost XXXX years while I was living in the XXXX. ( His address is XXXX -- -- XXXX XXXX My brother is XXXX year older however his wife has major XXXX XXXX so I no longer wanted to burden him with my stuff and so I opt for this service after watching many XXXX channels related to these issues. Because I had planned to move to XXXX in late XXXX due to the higher cost of living in the XXXX. I opted for this service and while visiting a friend in XXXX i purchased a phone in order to receive authorization codes so my phone number changed which was my brothers. I needed to take him out of the loop. I went through XXXX and the phone worked while in USA but since arriving in XXXX it is XXXX so Now the bank is asking me to come back to the USA to clarify my status Which I will have a Rental agreement here in XXXX but the expense of that rather then sending a copy seems more reasoable. You can look at all my financiial affairs. I am not hiding anything. I would be living on the streeets if I was back in the great USA. I love my country so why would they want to have another burden. I don't take XXXX and I am not a burden to my country. Why would the federal goverment treat me as a threat or jerk. I am not stealing or robbing to eat... I havent hurt anyone. Why treat your good citizen like criminals. I am sorry for my rambling but this is what old men do. All I want is peace. I may not deserve it. There are many that has it much worst than myself both in the USA, and XXXX and the XXXX. If I have to fly can it be solved in a california Wells Fargo. I dont do well in traveling but I really want my account with Wells Fargo to remain open, They have provided excellent service so why rock the boat. I have trouble remembering new stuff so its important mentally for me to stick to what works. i am sorry, I didn't know about these rules. I did not intentionally try to deceive the bank. It was an honest mistake. Please forgive me. OKAY... I was just thinkng, just call me " The Rambling Man '' ... funny ..Respectfully XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase auto finance has violated my consumer rights by failing to comply with federal laws that protect consumers. Specifically, they have violated 15 USC 1666B, which requires lenders to provide notice of changes to account terms at least 21 days before the effective date of the change. Despite this requirement, I have never received any notice from Chase auto finance within the required timeframe. I am now requesting verification that they sent out a letter within 21 days certified mail so that I would have received it on time.

Additionally, Chase auto finance has violated 15 USC 1681a, which defines consumer reports and sets rules for their construction. According to this law, consumer reports do not include reports that contain information about a consumer 's transactions or experiences with a particular creditor. However, it appears that Chase auto finance has included such information in my credit report, which has had a negative impact on my ability to obtain credit.

Despite my efforts to resolve this matter with Chase auto finance, they have refused to address the issue and have been in willful noncompliance with the law. As a result, their actions have injured me by hindering my ability to live in the working world through increased interest rates, and by defaming my character and making it difficult for me to acquire credit cards and other loans.
Product: Credit card

Navy federal closed my credit card account due to delinquent payment, I am XXXX XXXX XXXX  since XX/XX/XXXX, I am protected under scra. Navy federal stated they are only required to offer XXXX  % interest rate. Which isnt true.
Product: Mortgage

I was dealing with Veterans United Home Loans XXXX, MO XXXX to pay off a reverse mortgage with another firm, and that was completed. It was understood that I wanted the loan paid off and I would need an extra {$6000.00} to replace an AC system in a separate check at the closing. Prior to the closing procedure I was ask to send them a check for {$500.00} to cover a home value inspection and {$250.00} for a termite inspection and I would get this money back at the closing. When the closing was finished I received a check for {$6000.00} and no check to reimburse me for the {$750.00} I laid out. 
I was told by the loan officer XXXX XXXX it was part the check for {$6000.00} and this of course was wrong I am out {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, I received a phone call from a collections agency and they told me that I owed XXXX XXXX XXXX {$46000.00}. They tried to get me to disclose my method of payment over the phone for the amount owed. I had no clue on what they were talking about and wasn't sure if it was a scammer trying to take money from me. After speaking to the agent for quite some time, I quickly realized that the XXXX XXXX released {$50000.00} to someone identifying themselves as being me. Still unconvinced, I ended up signing up for XXXX ( that my wife previously added me to but I never received the email invite ), and I saw that my credit score went from being an XXXX down to a XXXX. To my disbelief, I also ended up seeing other loans that were taken out around the same time, {$40000.00} from XXXX XXXX XXXX, and {$26000.00} ( 3 different loans- {$4000.00}, {$2500.00}, {$20000.00} ). From that day forward, the debt collection calls started coming in by the volumes. I did get ahold of XXXX and they walked me through the dispute process against all of these accounts. I also submitted for a credit freeze for a year with all three credit bureaus. If you look at my credit reports for the past 26 years, you can see that I have always been responsible with my finances. I have plenty of loans that I've taken out and every single one has an excellent pay back history. I understand that these loans were taken out during/after the pandemic/recession times, but I never took a paycheck cut or anything to even need any funding of any type. My credit utilization is 0 % with 0 credit cards and one military charge card. It's not fair to me to have to suffer the wrongdoings of another person, and on top that, when I would request information on the full application to include the identity validation ( verification phone call ), they can't give me supporting evidence. The representative at XXXX told me she couldn't even find me in the system after with my SSN or address. I think that if they had followed a strict process prior to disbursing funds, then this could've all been avoided. Fast forward from XX/XX/XXXX to XX/XX/XXXX, I received notification that XXXX chose to sue me for the amount owed knowing that I was a victim of identity fraud. To make matter worse, the lawsuit paperwork was drafted in XXXX and by the time I received it, my 21 day deadline to respond was already busted. Since these events, I have a 7-yr credit freeze on all the credit bureaus, I've filled out the Identity Theft Report through the FTC and police, and now am waiting for my identity theft passport application to come back from the Attorney General.
Product: Debt collection

Earlier this year, a collection appeared on my report from Aldous and Associates for {$100.00}. Unaware of the source, I called the company inquiring about the source to which they informed me that the debt was from XXXX XXXX, a membership I had opened almost a year ago. I informed the collection agency that I cancelled my gym membership, to which they responded that according to XXXX I had not. I attempted to call the corporate office only to find out that they either do not have a direct line or it is extremely obscure. I continued to inform the collection agency that I cancelled my membership a month after my service there but they claimed the manner in which I cancelled it was not correct therefore nullifying my Cancellation. I then asked them to remove it from my credit report to which they responded that they had previously tried to reach me numerous times at an address I didnt even live at. The email they sent to me was never seen because it went straight to spam ( most likely because people report their emails as such ) With no way to reach youfit and no resolution with Aldous & Associates, I went ahead and paid the {$100.00}. Now the account has finally been zerod out but I have a collection on my report for 7 years that should not have been there in the first place. I feel railroaded and youfit has no number I can find to rectify this. Theyve taken money from me that I know I dont owe and now Im on a 7 year journey with this only report. Im not asking for my money back, Im simply asking for the collection report to be removed from my report before Im forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX AND XXXX XXXX XXXX XXXX ACCOUNT # 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
Product: Mortgage

My HELOC is interest only monthly payment loan. Shellpoint has taken over my account on XX/XX/XXXX and since doing so my payment from XXXX and XXXX have not been applied correctly. 

XX/XX/XXXX Interest/Payment due {$650.00} paid XX/XX/XXXXXXXX XXXX XXXX {$41.00} was never applied to my principle XX/XX/XXXX Interest/Payment due {$690.00} paid XX/XX/XXXXXXXX XXXX XXXXXXXX {$150.00} was never applied to my principle XX/XX/XXXX Interest/Payment due {$690.00} they are making me pay interest on a balance that should be from my prior payments {$190.00} lower I called the bank on XX/XX/XXXX and they stated the change will be correct in 10 days. I have called weekly since and now being told they don't know when this will be corrected. They will not change the amount do in XXXX yet demanding I pay the interest that is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

my car was totaled by an accident on XXXX XXXX 18. 
my insurance company paid honda. honda sent me a letter not to continue to pay the lease. then they sent me late notices. i called them they said i had to pay the lease for a car that was paid off by my insurance company. then i get a letter from honda that the car is paid off. the issue is that my credit is wrecked and i annot get it repaired because of this.
Product: Vehicle loan or lease

I purchased my vehicle in XX/XX/XXXX under my business. I told them at the time I was the only member of my business and that my tax ID number was simply my social security number. I contacted them a few months ago ( XXXX ) because while my accountant was looking over my IRS  paperwork, he discovered that my business vehicle was NOT titled under my social security number but a made up number by the company. They have n't had my business vehicle titled correctly since I purchased it, meaning the tax deductions through my business are actually invalid. I have sold the business and I want them to switch this from a business to a personal loan and refinance it. They are telling me that I cant. I am very close to getting a lawyer and suing them to get out of this contracted loan. I either want them to take the car back and let me out of my loan, or remove the ridiculously high interest off of it and title it in MY name. 

Every-time I call they ask to speak to my husband, not me. My husband has nothing to do with my business whatsoever. I am absolutely SICK over this and nobody seems to be able to help me so I guess legal action is necessary. 

I dont feel like I should jump through hoops so that I can have this done correctly for them, they screwed up, not me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My car payment is up to date. I pay my car note ( $ XXXX  monthly ). 

Navy Federal is claiming that my payment history is correct. Im stating that it is not. Because of this my credit has taken a dramatic score. I need this rectified. ASAP!