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

I opened a Coinbase.com account and I was able to buy some coins but they put {$15000.00} of my money in a default Portfolio and every time I try to buy coins even if its {$10.00} it says " Insufficient funds '' I am XXXX years old, a senior citizen, and have already asked them to help with this but no answer. This have been going on for some time now. 

My email is XXXX Please get involved because I have read online that the same thing is happening to others I thank you XXXX XXXX
Product: Credit card

I received a Capital One Credit card in the mail that I never applied for. In XXXX of 2023, I reported this to capital one and the account was never closed. I did not apply for a credit card through capital one. Another inquiry has been made though capital one to open another account in XX/XX/2023. This was also without my knowledge. I have disputed these through expirian and flagged my account. I believe someone has stolen my identity.
Product: Bank account or service

- i opened an checking and savings account with citibank about 9 years ago and the accounts had no fees associated with it.i moved my family to XXXX Tn about 6 years ago and citibank has no branch in the area. For the past 9 months citi has refused to send me my bank statement. I called them today today to find out why.Coming to find out, Citibank has changed the disclosures without my consent and secretly been deducting $ XXXX/ month from my account without my knowledge. I 'm suspecting that they unethically and secretly remove the protections on my account and changed the disclosures etc. To cover up their unethical steal of my hard earned money, the refused to mail me my bank statements, so that i could not see them steal my moneyThey have been stealing my money secretly. i
Product: Credit card

My account with Self was closed XXXX years ago. They used my prepaid deposit, closed it, and I assumed my account went collections, which is what they typically do. NOT SO. I recently learned they have closed my account but continued to charge me " LATE '' fees. They will not close my account, which means I am subjected to these late fees until I die. That's if they leave my family alone. This is an unacceptable practice. Their should be limitations on their ability to levy fees, should there not? 

This is a very aggressive and unfair practice and needs rectified. Please assist.
Product: Checking or savings account

Since initiating direct deposit falls XXXX  there have been four different unauthorized charges if {$30.00} XXXX. I hav we also had a large increase in spam calls. I went from getting XXXX or less spam calls to XXXX plus day. Considering the fact that I am on the national transplant list, I can not ignore calls and miss the appointments sssociated with them or i lose my place on the list. 
I've also had problems with mobile deposits being held longer than need be. The last mobile deposit of {$180.00} XXXX th American XXXX Fund was transferred in on XX/XX/year>. XX/XX/year>, half of my deposit was available ( {$92.00} ). I have been keeping an eye on my account wat c hing gor the remaining portion but as of today it has not been released. Each day I have contacted customer service regarding my deposit and when it would release. I have been given inaccurate information ststing that would have my deposit available the following day. This has yet to happen. I have experienced inappropriate Ianguage toward me and have been hung up on in two separate occasions. 
Having major health issues, I have to keep up my health insurance policy which was due XX/XX/year>. I have explained this to each representative ive spoken with and have been promised escalation of the situation, but when I call again nobody seems to know about it.
Product: Credit card or prepaid card

I am a Bank of America client and I enrolled in the XXXX XXXX Rewards Program in XX/XX/2022 as I met thee qualifying criteria. The main reason I joined was because of the 75 % cash back bonus on purchases with my Bank of America cash rewards credit card. I did several purchasesas during the month of XXXX for which I did receive the cash back bonus. In XX/XX/2022, some days after I made other large purchases for a total of XXXX {$33000.00}, I loged into my online banking system and I noticed that I was being invited to enroll again in the XXXX XXXX Rewards Program. This was very surprising to me because in my mind I was already enrolled in the program and I proceeded to check if my purchases of the past few days had accrued the bonus and they had not. I should have accrued XXXX {$240.00}. I immediately reenrolled in the program because I was going to do other purchases for which I wanted to receive the rewards and I figured this would easily get sorted out later. 

It turns out that for some reason that I am not aware of I got unenrolled and I did not receive any notification whatsoever. Since then, I have been continuously calling Bank of America to file a complaint and get the rewards credited to my account. However, I have been told several times that the process is ongoing, that they are recognizing their mistake and that they will credit them back to me shortly, that they will come with my next statement, etc. But it has been nearly three months and I have not seen then and no one at Bank of America really seems to know what is going on, which is why I am filing this complaint now. 

I am very tired of wasting my time calling Bank of America again and again and getting inconclusive responses and no action whatsoever to address this oroblem and credit my bonus rewards back to me. It seems to me that Bank of America gets you to enroll in this program, motivate you to spend more using the Bank of America credit card to get these rewards, then they remove you from the program without notifying you so that they don't pay the bonus rewards whilst you continue purchasing with their products and not with their competitor 's credit cards which actually pay off the promised rewards. 

I am attaching a screenshot from my online banking portal showing that my purchases in the month of XXXX did not receive the bonus until I reenrolled and that the ones I made in XXXX and XXXX did receive the bonus.
Product: Money transfer, virtual currency, or money service

I was day trading and added XXXX to my robing hood off my debit card made some profit tried to withdraw and my account was restricted on the XXXX told me review will be done the the XXXX now that its the XXXX there telling me they dont know how long its gon na take and they cant provide further information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against US Department of Education for Reporting Inaccurate Late Payments on XXXX XXXX To Whom It May Concern, This complaint is filed in regard to the unlawful and inaccurate reporting practices by the US Department of Education ( US DEPT ED ) on my consumer credit report, specifically involving my XXXX XXXX accounts. Despite my initial dispute filed on XXXX, the inaccuracies remain unresolved, causing continued harm and distress. 
The following violations have occurred in relation to this reporting : 1. Inaccurate Reporting of Late Payments : The XXXX XXXX accounts were incorrectly reported with late payments during a period when the accounts were in deferment status, as documented and verified by the US Department of Education ( documentation available upon request ). The accounts should reflect a current status with no late payments. Specifically, the following dates have been inaccurately reported as late payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of Privacy and Unauthorized Reporting Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting these accounts with incorrect late payments without my consent constitutes a violation of my rights.

3. Failure to Maintain Accurate Reporting Under 15 USC 1681e ( b ), credit reporting agencies are required to maintain accurate and complete consumer files. By continuing to report these inaccuracies after my first dispute, the credit bureaus have failed in their obligations.

Summary of Errors and Discrepancies : The errors include late payments being reported for months when the accounts were in deferment. Specifically, there are instances of 90- and 120-day late payments listed on my credit reports for XXXX and Experian XXXX despite the loans being in deferment as verified by the US Department of Education . These discrepancies have severely impacted my credit score and financial reputation.

Requested Action : Given the severity of these violations and the documented deferment status of my loans, I am formally requesting the immediate correction of these accounts from my consumer reports within 10 calendar days from the receipt of this complaint. The requested corrections include removing all late payments and ensuring the accounts reflect a current status with no delinquencies. Failure to resolve this matter will result in further escalation. 
These inaccuracies have caused significant emotional distress and damage to my creditworthiness. I demand immediate corrective action to prevent further harm. I am prepared to provide additional documentation if needed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with all three of the credit bureaus. All but Experian refuse to investigate and fix the account. I have sent them 4 different request to verify the account and provide me with proof of the verification and to correct the 23 charge offs that are showing for one account. 
Since I started these disputes in XXXX not only is the school XXXX University reporting monthly that the account is a charge-off to make it appear I have a lot more than it actually is. There is now another collection company reporting on the same account ( showing on all 3 credit bureaus ) and stating it is also 120 days late with them and I have never received one letter from this company. To top it all off this account is paid.
Product: Credit card or prepaid card

Our company, XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to the nature of our business model and the typically larger size of our goods, clients are required to pay cancellation and restocking fees if they decide to cancel an order late ( for instance when it has already been shipped out ) as is the case for the client I will describe below. This fact is made clear in cancellation section of our terms and conditions page which I will link here : XXXX XXXX XXXX # cancellation Regarding the client in this case, the made a purchase ( XXXX XXXX ) through our website on XX/XX/2022 and paid by American Express. The order was shipped out on XX/XX/2022 and delivered on XX/XX/2022. However, upon the delivery by XXXX, which we do have tracking for, the client refused the shipment and it was, therefore, sent back to the warehouse of our supplier. At that point, XXXX incurred shipment and re-stocking fees from the supplier. 

Then, on XX/XX/2022, the client filed a chargeback against XXXX for the full {$2100.00} order amount. On XX/XX/2022, XXXX requested a reversal but was denied. XXXX has also tried to contact the customer in this case to resolve this issue amicably to no avail. 

Our company 's concerns with this process, and specifically with the actions taken by American Express, are the following. 

1. How is it not a conflict of interest to have a consumer and their credit card provider deciding whether or not they should be able to take money out of the account of a 3rd party/business? Of course American Express is going to side with their client. 

2. We provided tracking documents by XXXX as well as our cancellation policies to the chargeback center who communicates with American Express on behalf of customers and merchants and, American Express apparently did not even consider this information. 

3. In this matter and similar matters, a credit card holder can, apparently, dispute the transaction time and time again in case they lose but, after a client wins the first round of a dispute, the matter is closed and the merchant needs to pursue other avenues of resolution. Why is this so one-sided? 

In conclusion, I will attach the supporting documents which we provided to American Express by way of the chargeback center ( as American Express and all of these credit card providers refuse to actually talk with anyone themselves ).
Product: Debt collection

My name is XXXX XXXX, I reside at XXXXXXXX XXXX XXXXXXXX, XXXX, IN. Ive been contacted by Velocity Investments LLC Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, OH XXXX XXXX ) XXXX XXXX Fax ( XXXX ) XXXX I have not borrowed any money from this company nor do I have any credit card debt from this company at any time. I have no agreement with this company of any kind. Ive received a letter from them, threatening to garnish my wages. I believe that they are trying to collect an old debt between myself and ( XXXX  ) from 2018 which is more than XXXX years old. if this is the case, I have not agreed to XXXX  to sell my debt between them and myself to any third-party. I would like to have this matter resolved as soon as possible. and I do not agree to any debt that I didnt borrow from this company directly. 
Thank you for your time please contact me at ( XXXX ) XXXX for any questions
Product: Credit card or prepaid card

I have been a customer for 2+ years with American Express and have had a perfect payment history, and as of today my credit score is close to XXXX. I'm having a issue getting a credit line increase which makes no sense. The only customer support you can get is via a rep in XXXX, I would like a US agent to deal with this because it's not making any sense what's so ever why with a a close to XXXX credit score and a perfect payment history why am I having a hard time getting a credit line increase. I want a US based review of my account instead of when I call I get people not in this coutry who I can barely understand and it makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Debt collection

XXXX. CFPB XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall cease and desist all communications with the consumer, through all mediums of communication including the credit report. Also, do not engage in any conduct or communication to harass, oppress, or to abuse me, the consumer. 

Acc CFPB 12 CFR 1006.34, I am requesting validation of this debt. I am also requesting all the information in the 12 CFR 1006.34 Notice of Validation section. Please provide me with the debt collector communication disclosure which is clear and conspicuous. 

You are using false and deceptive practices, and abusing, harassing and oppressing me to collect on an assumed debt.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

My mother died on XX/XX/XXXX. She had a Living Trust account at Comerica Bank, originally set up at the XXXX XXXX, XXXX, MI branch. After extensive and repeated efforts to try and close the account, and get the several XXXX dollars back, I finally was successful, almost 2 years later, on XX/XX/XXXX. On this date, I received a check for the total amount in the account with a letter stating the following, " Dear Mrs. XXXX, Enclosed please find the check for closing the reference account ending in XXXX. Per the instructions of our legal department, the cashier check is payable to XXXX XXXX XXXX Living Trust. Sincerely, XXXX XXXX. 

Much to my shock and dismay, on XX/XX/XXXX, I received a letter from the Comerica Bank stating that my mother 's account was overdrawn and must be immediately returned to a positive balance. I was charged {$48.00} with a date of XX/XX/XXXX ( more than a month after I received the check and the letter letting me know that the account was closed ). 

I made several attempts to contact Comerica Bank, with no success. My objective in filing this complaint is to make sure that the record is clear that the account is closed and that no fee is charged and in no way should this reflect on my credit as I am trustee of my mother 's estate. Furthermore, Comerica should work on its process and consumer engagement, as this was a very unsatisfactory experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification of an account with XXXX XXXXXX/XX/XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful account.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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 the account is accurate, without providing any evidence of a ihorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

The documentation the company sent to verify the debt was not acceptable ; and did not validate the debt as being mine. The documentation did not include any signature but instead my name was typed on the documentation.
Product: Debt collection

I just received the response from the company ARS and they are once again not sending me any signed documents stating this debt belongs to me nor any information pertaining to show that this debt ARS is claiming is mine. Any information they have sent is just showing my name and charges received. It is still not confirming by any signature of documents or anything specific to show the debt from them is my debt. It could have been possible identity fraud due to my social security card, birth certificate, and passport were all lost together so Im trying to validate in anyway to see if this is my debt by a signature, photo in the building etc. I 've already reported my items lost and once again ARS is refusing to show me what signed documents or any information from the hospital they are collecting from that I was the one to agree to any charges. They are not even showing me the original agreement only sending a paper saying the debt is validated from another party and assuming I am the one who agreed to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was XXXX and Naive I financed a car from XXXX XXXX, They told me nothing about credit I got a XXXX ended up not being able to drive, couldnt work so it got repoed, now this is stuck on my credit even though it is paid and closed Im XXXX with still short credit history I cant open anything to improve my credit due to the repo, Computers detect a repo automatically denied for everything, They even sent me a check after the repo I assumed everything was okay, they did not tell me I had a debt issue And on the XXXX  XXXX XXXX site it lists my wrong address
Product: Student loan

My Private Wells Fargo loan is literally theft. I have been unable to have a balance budget with a {$250.00} monthly payment along with all my other debts, bills, and living expenses. My city 's living expenses are going up, making it difficult on a bi-weekly basis to have money to eat. Also, making difficult to save money to pursue my passion of music, as it was reason for me to pursue a college degree and required this loan. Spoke with the Loans Consolidation department and the Loan Modification department to lower my payments, to only discover that I can not, because " I have enough income to pay their monthly cost ''. This is due to the fact that they do n't consider a few of my other debts as a recognizable problem ( e.g. XXXX XXXX loans ). I am in need to remove my co-signer, lower monthly payments and interest rates, so I may have more money for living expenses and money to support my music career. This way, I have the means to create a secondary income to further make it possible to take care of debts. This private loan is theft and the standards are too high, in order require to consolidate/refinance or lower monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : Onemain XX/XX/2018 Please investigate to ensure there is no fraudulent activity