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

On XX/XX/2021, I purchased an XXXX series XXXX for XXXX from Sam 's club online. On XX/XX/XXXX, XXXX  claim they delivered the package but I was totally unaware because the driver didn't ring my doorbell or knock on the door to let me know I have a delivery. 
The box was left unattended on my porch all night and apparently someone stole the package. 
Now the credit card company is being uncooperative and basically accusing me of lying. At this point, I don't know who to turn to for help in resolving this issue. I don't have the money to pay over four hundred dollars for merchandise I never received.
Product: Mortgage

In XX/XX/XXXX, my employer announced a reduced work schedule beginning mid XX/XX/XXXX. I contacted Citizens One ( mortgage loan servicing company ) that I need forbearance assistance. The application was granted. I am deeply grateful for this gesture. 

In XXXX of XXXX, my employer announced an end to the reduced work schedule starting XX/XX/XXXX. The change would be reflected in employee paycheck on XX/XX/XXXX. I contacted Citizens One to inform them that I would be able to pay my mortgage starting in XXXX. See Attachment 1 I uploaded a copy of the letter XXXX XX/XX/XXXX XXXX stating the reduced work schedule is ending in XX/XX/XXXX to the XXXX provided by Citizens One. In addition, I uploaded copies of three pay stub to show income. See Attachment 3. 

I have done everything requested by Citizens One to ensure my account returns to a " current status '' but everytime I call the customer service would inform me that they are still working on a " work out '' for my account. I made some payments during this period even though I keep getting conflict information. See attachment titled XXXX  activity. 

This non-action continued till the end of XXXX until in XX/XX/XXXX when I insisted ( streaming and yelling XXXX my account be updated and made current. I was told its done and that I should not pay in XX/XX/XXXX. See attachment titled XXXX letter. According to the Citizens One representative, my account has been configured to go current in XX/XX/XXXX. I insisted I could pay for XX/XX/XXXX but was told not to. 

On XX/XX/XXXX I got notified that Citizens One had filed a delinquency report against my account. My wife and I filed a dispute with Citizens One and at the 3 credit reporting agencies. The report was corrected without an apology for the impact of that report on our credit. Two of my credit cards were closed because of the delinquency report. See attachment titled XXXX  report dispute. 

Then we got another letter in XX/XX/XXXX stating that we requested foreclosure assistance which we never did. I called Citizens One again and was told to disregard the letter that it was auto generated. This probably happened because they lied to me that my account has been resolved. They are still keeping my account in forbearance. See XXXX assistance. 

I though our account would be made current after we completed XX/XX/XXXX mortgage payment but alas we got another letter stating that our account has been returned to forbearance for another 3 months. See attachment titled XXXX XXXX. I thought this was a mistake. I called was told they needed to put me on forbearance again while they make my account current. 

Right now I am afraid someone is playing a dirty game to take my house! Why are they trying desperately to keep my account in forbearance forever? Why are they sending me foreclosure assistance when i never requested one? Why did they tell me not to pay in XX/XX/XXXX only to file a delinquency report again our account? Are they trying to prevent us from refinance to a lower rate?
Product: Money transfer, virtual currency, or money service

I have experienced problems with Coinbase , Inc . 

The problem I am experiencing is that the net invested amount ( showing on the Coinbase website and the Coinbase application ) is not matching the amount that I have invested according to my transaction report ( from Coinbase ) and the transaction history from my personal bank. This difference is not explained by any fluctuations in the asset value, since the net invested amount is supposed to show how much money I have invested on the Coinbase platform, regardless of the fluctuations in any asset. According to the transaction report, I have invested XXXX USD in different assets on Coinbase ( this is the amount invested after all fees ), while the net invested amount on the website and the app has shown lower amounts than this. The amount that has been shown as the net invested amount ( on the Coinbase website and app ) has varied from XXXX USD up to 1952 USD. This was the case when I first filed the complaint on XXXX. However, it is no longer possible for me to view the net invested amount. This according to the support team is due to my location being XXXX, but since I have been located in XXXX ever since I set the account up with Coinbase, this explanation is not sufficient. 

I have had email contact with the Coinbase support team ever since XXXX. I have had to open new cases twice ( but with the same topic ) due to them being closed even though my issue has not been resolved. I have had to consistently reach out after waiting 10-14 days for a response. The answers I have gotten have mainly consisted of troubleshooting measures that I have completed multiple times without any success, and then not receiving any answers dedicated to answering my very serious inquiry of fund imbalance on my Coinbase account. 

In sum, my problem is that I have less funds in my Coinbase account than what the transaction report ( from Coinbase ) and the transaction history from my personal bank are showing. This problem has been dealt with very poorly by the Coinbase support team as I have had to wait long periods for responses ( sometimes even having to reach out myself ) and the few answers I have gotten have been insufficient in dealing with my specific problem.
Product: Checking or savings account

Deposit a cashier check into checking account on XXXX XX/XX/2023. After 10 day waiting period when to bank to withdraw some money that was when I was told my account was frozen and had to get in touch with the fraud department. I checked my voice messages and a XXXX XXXX had left a message the day before.So I returned his call at which time XXXX told me that the person who send me the cashier check had to go to the bank in her area with two forms of identity to say she did send the cashier check her bank verified that the cashier check was good.But XXXX wanted to know why I was getting such a large cashier check from the lady. She told him why but he still wanted to know from/for what business. I had to submit my paperwork from the State of Ohio that I do have a business register. That's when XXXX started accusing me of being scammed to being involved in a scam to being involved in a fraud money laundering. Now XXXX want paperwork that I had given the lady money to invest for me and XXXX is now saying the money belongs to a third party but he wouldn't give me the name of that person. XXXX has been rude disrespectful toward me and even hung up on me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Date opened XX/XX/XXXX ( Late Payment ) XXXX XXXX XXXX Balance XXXX Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$3800.00} Balance updated XX/XX/XXXX Original balance {$8100.00} Account info Account number XXXX Open/closed Closed XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i checked my credit report for first time in while and i lots unauthorized, fraudulent, unrecognized hard inquries on my TransUnion credit profile. i demand these be investigated and removed off of my credit profile because i have never gave any consent to those creditors and i have tried to reach out to each company directly and i have not gotten any response in the past 90 days. below i will list each hard inquiry that i would like to be investigated and removed off of my credit report that TransUnion made an error and stated on there which has severely affected my score .please and thank you XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. 
FMC-OMAHA SERVICE CT XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> I am writing to file a formal complaint against XXXX XXXX, Experian and XXXX XXXX their XXXX of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. 2. Date of Discovery : XXXX, XXXX XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken XXXX. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX. 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
XXXX. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with XXXX XXXX, Experian and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days. 
I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy.

Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o.

The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry.

2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing. 
XXXX. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Product: Student loan

XX/XX/2020 XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, LA XXXX Re : Closed School Loan Discharge Application and Request for Forbearance Dear Sir or Madam : I am formally applying for a closed school discharge of my student loans. With this letter, I have enclosed my completed closed school student loan discharge application and supporting documents. If there is any additional information that is required, or if any information is missing, please contact me immediately using my contact information below. 
Additionally, while my discharge application is pending, I request that you put my federal loans into forbearance. In other words, I request that the Department and any contractors or loan servicers it hires to collect on my loans cease all collection efforts while my discharge application is pending. Please confirm that you have received my application and that my loans will be placed in forbearance while my loan discharge application is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Business card is reporting on my personal credit report. A dispute has been active for months but still remains on report. Capital One states they are reporting correctly but your agency is reporting it wrong. Capital One initiated the original dispute. Below is my credit report for said account. It shows as an individual personal account. This account is for business purposes only and should never appear on my personal credit report. REMOVE THIS ACCOUNT IMMEDIATELY!

Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$12000.00} Owner INDIVIDUAL Credit Limit {$15000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration XXXX Balance {$9000.00} Date Opened XX/XX/2018 Amount Past Due Date Reported XX/XX/2018 Actual Payment Amount Date of Last Payment XX/XX/2018 Date of Last Activity Scheduled Payment Amount $ XXXX  Months Reviewed 4 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Date Closed Date of First Delinquency Comments Consumer disputes this account information Contact CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit and found an account on my credit file that I did not open. The account was opened fraudulently on XX/XX/2021 and was sent to collections. XXXX Bank ( XXXX ) sold the account to Portfolio Recovery who is now trying to collect a debt for XXXX XXXX, that does not belong to me. I have never opened a line of credit with XXXX. I do not have an active XXXX account. I filed a complaint with IdentityTheft.gov and put freezes on all of my accounts.
Product: Credit reporting or other personal consumer reports

I received results from my dispute. I do not agree with the investigation on XXXX XXXX account # XXXX. The balance was changed to a higher amount after its already been charged off. It has hurt my credit report significantly. 


The dates of account was verified and updated but its still showing inaccurate information. I also by law have a right to documents proving the updated information. XXXX XXXX must send me proven documents to support the updated information. 

The account was reaged and it still in accurate. This is a violation to my credit reporting rights.
Product: Credit card

XXXX - Received email stating my Sams Club Mastercard had been reported lost/stolen from Synchrony Bank . I did not report it stolen and I physically had all cards. I contacted customer service via phone call several times on between XXXX XXXX : Call # 1 : Informed rep that I received the email and stated I didn't request it so please undo the request. She replied that was not possible. I asked who reported my card was stolen. She said an " unknown caller '' earlier on XXXX. I asked how they verified it was a legitimate request and she had no legitimate answer. I asked what would prevent me from calling in to report someone else 's card stolen without a verification on their end. No response. I asked to be forwarded to a supervisor. Was told I could speak with fraud department. 

Call # 2 : Forwarded to the fraud department and was hung up on. 

Call # 3 : Contactedfraud department again. They could not share details but mentioned that it was because of some charges I disputed ... .these charges were over 3 months old and their response was conflicting with the " unknown caller '' described in Call # 1. 

Call # 4 : Contacted normal customer service rep again. Spoke to a new rep. She requested full verification of my information to confirm identity before speaking to me. This is the first time in any call where my identity/data was fully verified before share details with me. She also had no answers but seemed surprised that none of the other calls had verified me. 

XXXX - I typed a letter describing the above and expressed my concerns that they had shared my data with an unknown caller and were reporting as lost/stolen to cover their failed processes. I demanded they execute investigation and provide me with a response on the root cause and how they were going to prevent the problem in the future. 

XXXX - VM follow up saying they received my correspondence and they'll review as soon as possible. I have not received additional reply since. 

In unrelated issue I had disputed charge in XX/XX/year> and then later noticed it had not been addressed. I messaged customer service and submitted another dispute form. They stated they had error in logging the dispute. 

All of these things add up to failed business practices and protections for consumer data and information.
Product: Consumer Loan

Ally 's auto loan settlementAlly 's markup policy resulted in XXXX, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX borrowers. 

Ally charged late fees when they agree to put payments at the end of the term without late fees, they have charged a total of {$760.00} after I made last payment online and Ally took the XXXX XXXX payment option off their pay web site in XX/XX/XXXX and could not make anymore payments. Ally charge late fees on XXXX XX/XX/XXXX XXXX of {$1600.00}
Product: Debt collection

I was enrolled and signed a rehabilitation agreement with the collections agency hired by the Dept Of Education Collection Technology Inc XXXX. I went with a rehabilitation instead of consolidation because I was told collection cost would be removed and the negative trade lines from the Department of Education would be deleted. After loosing employment, I continued to make the XXXX payments on the account for the 9 months we agreed to verbally and in writing. Only after making my last payment was I told that I was not able to rehabilitate my loan, after being out over XXXX. Now I have to consolidate anyway and my payments arr projected to be around XXXX a month when it 's completed. Without the credit line deletion and collection cost being removed I feel that the payments I made under the rehab program should be either refunded or applied to my interest and principle not collection cost.
Product: Debt collection

This company purchased a rental property in the middle of a lease and think they can charge me for 10+years old carpet that was due to be replaced at no expense to me by the previous owner. Under no circumstance am I responsible for this debt. It should be removed asap. The collections agency calls all hours of the day interrupting my sleep because I work nights and when I answer their is seldom someone on the line
Product: Student loan

I have been harassed by Sallie Mae with unstopping phone calls and they have gone so far as contacting people outside of my immediate family.
Product: Credit card

Note : warning all US consumers about Capital One and their lack of customer service through an extremely stressful process : I made one purchase on one date with a restaurant in XXXX ( XXXX XXXX ) for four drinks, signed our credit card and then left for the night to go home. The charge was on XX/XX/XXXX for XXXX {$90.00} USD. 

When I returned home from our trip I noticed on my Capital One online statement that I had been double charged. When I called capital one the first time, they suggested I go straight to the merchant. I opened up a chat with them online where they confirmed the charge was only made once on their end and suggested I wait a few days to see if the charge was removed. A week later it was not. I then called Capital One and they reversed the charge ( temporarily, as a month later they re-charged me for the duplicate charge ). 

When I called Capital One about charging me again for the duplicate charge, I spent 45+ minutes on the phone ( the first individual I spoke with wasnt comprehending that there wasnt proof from the merchant for two charges, only proof for one ) and ended up being escalated and thus, having to supply additional documentation to get the credit reversed which Ive included in this complaint of the merchant confirming there was only one charge. However, after supplying proof that the merchant confirmed they had only charged me ONCE, Capital One deemed that inadequate as proof and kept the charge on my card. 

I have never experienced as poor customer service as I have with Capital One, and this isnt the first time there was something fraudulent that I have had to dispute and its always been much more difficult than it needs to be. I just want to warn others of Capital One and their reluctance to put the customer first. For me, it isnt about the charge anymore as I am fortunate in the sense that I can financially afford to eat this cost and be done with it, however many are not and this would be a large dollar amount coming out of their weekly earnings and make a large impact on their well-being. I will be closing my card after this payment posts and never returning to Capital One, as well as ensuring my husband does the same. XXXX  has a much better customer service line and much better rewards- good luck to all who bank and do business with Capital One. 

I will also add - I have been a customer of Capital One since 2009, and this is not something that comes up often for me. My credit score is excellent ranging at 780-800+ and I have always made payments on time. However, I am an XXXX  and watch my statements carefully which maybe Capital One doesnt like.
Product: Mortgage

Freedom Mortgage Corporation on XX/XX/2022 I called Freedom Mortgage at phone number ( XXXX ) XXXX, to opt-out of sharing of privacy information. The call center requested a lot of personal information outside of the mortgage, including a credit card number, expiration date, my birthdate, in addition to, exhaustive list of other authentication data such as my address and phone number. No matter what information I provided, they continued to ask for more information. The customer service rep and their supervision insisted on credit card information, including the CCV number and expiration month and year. They refused to allow me to opt-out unless I provided this information. 

This gives the appearance to be a scam, as any credit card info is not part of this mortgage, and should not required in order to opt out of the sharing of my privacy data. 

Thank you.