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

This is the first occurrence of this issue. It is a urgent issue. XXXX I received a new coinbase account and then waited for my self to be authorized and I was 5 days later. Later on I am back to being on review XXXX. Case # XXXX. I got my account locked because I had no choice but to call coinbase. I have an amount of money which is increasing because of a positive growth and I have not been able to do what I wish with my own money. I tried to email many times and never did it fix the issues. Once I was aware of the fact that coinbase is not a trusted company and they have been doing this to many longtime customers then I would like to get my money while Im still in profit and get out! When I sent a long email addressing the issue for the 5th time I said I would contact CFPB and they responded the next day and unlocked my account but did not confirm it is my account. I sent in my drivers license, passport, health card and my face. Thank you!
Product: Debt collection

I sent by certified mail a letter requesting verification of the debt Columbia Debt Collection or Genesis put on my credit report XX/XX/XXXX and gave them 30 days to respond. The company kept calling but never provided a verification of the debt at all. When I disputed the amount on XXXX and XXXX, they failed to provide me the information but provided the credit bureaus information that I owed debt. The debt is not mine, but is actually my brothers from what my brother has told me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I took out a XXXX XXXX XXXX  for {$500.00} at a XXXX Capital One XXXX. The check was destroyed by the person I sent it to so I had to obtain a new cashier 's check. I contacted Capital One over the phone a week or XXXX later and asked about next steps on how I would get my money back if the first check was destroyed. XXXX informed me I had to go to the physical branch for my inquiry. 

I walked to the physical branch and they informed me I had to wait XXXX days to get my money back because this was now treated as fraud. Once the XXXX day period was done I would receive the money back in my account. 

More than XXXX days passes and I never saw the money hit my account. I contact Capital One over the phone in XX/XX/year> and they informed me that I now have to submit a written notarized affidavit of lost, destroyed, or stolen cashier 's check, submit the affidavit to a branch, and then wait an additional XXXX  days for the funds to hit my account. The agent also knew my mailing/home address was in XXXXXXXX XXXX. This was never communicated to me by the branch teller back in XX/XX/year>. I submitted a complaint to the agent on the phone and highlighted the customer confusion and customer harm this process has created. The agents are misinformed and misstating rules and practices to their customers. 

On XX/XX/year>, I walk into a XXXX Capital One location and attempted to submit my notarized affidavit. The agent in the location told me there are XXXX branches in the XXXX. This again was never communicated to me by the agent back in XX/XX/year>. XXXX agent calls Capital One customer management and they tell him that I can only submit my affidavit in person at a branch. I pushed back and escalated on such guidance as this is an inconvenient and dead end suggestion. Was the expectation that I purchased a flight to a state with a branch? The XXXX agent called someone else and they told me I could fax or mail the letter. This was once again an experience where the Capital One agents are spreading misinformation to their customers which then causes customer harm and confusion. 

In terms of monetary harm, the {$500.00} that should already be in my account has now lost months of interest I could have accrued had my funds been sent to my account sooner or had I been given accurate information back in XX/XX/year>. 

I have not heard back on the status of my open complaint I submitted back in XXXX and we are nearing the XXXX day deadline period.
Product: Credit reporting or other personal consumer reports

I have not received 1099-C the LOC was closed and discharged profit and loss and sold to a 3rd party without my consent. Third party reached out via email demanding payment. BANKS play games. Customer doesnt know anything. Collections doesnt know anything.

9-318. NO INTEREST RETAINED IN RIGHT TO PAYMENT THAT IS SOLD ; RIGHTS AND TITLE OF SELLER OF ACCOUNT OR CHATTEL PAPER WITH RESPECT TO CREDITORS AND PURCHASERS.

LII Uniform Commercial Code 9-318. NO INTEREST RETAINED IN RIGHT TO PAYMENT THAT IS SOLD ; RIGHTS AND TITLE OF SELLER OF ACCOUNT OR CHATTEL PAPER WITH RESPECT TO CREDITORS AND PURCHASERS.

9-318. NO INTEREST RETAINED IN RIGHT TO PAYMENT THAT IS SOLD ; RIGHTS AND TITLE OF SELLER OF ACCOUNT OR CHATTEL PAPER WITH RESPECT TO CREDITORS AND PURCHASERS. 9-318. NO INTEREST RETAINED IN RIGHTS 5-108. Issuer 's Rights and Obligations LIIUniform Commercial Code 5-108. Issuer 's Rights and Obligations determined by the standard practice referred to in subsection ( e ), appears on its face strictly to comply with the terms and conditions of the letter of credit. Except as otherwise provided in Section 5-113 15 U.S. Code 1637 - Open end consumer credit plans he Uniform Consumer Credit Code ( UCCC ) is a draft law, adopted by 11 states, that governs consumer credit transactions. It establishes rules related to the issuance and use of all types of credit products from credit cards to mortgagesXXXX XXXX XXXX The Truth in Lending Act ( TILA ) and the CARD Act are the two major laws that govern credit cards. The Truth in Lending Act requires credit card companies to disclose the key terms of the credit card in the application. 

The Fair Credit Billing Act ( FCBA ) protects consumers against inaccurate or fraudulent credit card charges and other billing errors.XXXX XXXX XXXX No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.
Product: Debt collection

company is in clear violation of the law under 15 U.S. Code 1692c - Communication in connection with debt collection. 

The law clearly states that : IN GENERAL ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

This agency is in violation of 15 U.S. Code 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get my credit report, due to the credit bureus reporting incorrect personal information under my name and social security number. I have written to them to make this correction immediatly. Their should only be 1 name 1, social security number, and 1 address being reported on my personal credit report. I need them to fix and correct my report immediatley, so that I can access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX XXXX  illegally sold my medical information to XXXX XXXX XXXX in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX  and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to Paramount Recovery in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2023 I contacted the credit bureaus XXXX, Equifax, and XXXX, I, disputed several inaccurate accounts, It has been over 30 days and I have received no response to my disputes.
Product: Mortgage

HelloMy name is XXXX XXXX XXXX XXXX. I have submitted documentation to the BB @ T escrow dept XXXX to adjust my taxes and they still continue to refused to do so. 

The first time they wanted me to write a detail letter of why I was disable. ( this violate the health care privacy act ). When I told them I was n't going to give them this information they said they could not guarantee my form being processed. 
For the second time today I spoke with XXXX XXXX and I explained to her again that I was XXXX Total and Permanent and that I needed my taxes adjusted. SHE REFUSED TO DO SO.. 
BB @ T keeps asking for the same documentation that I have already sent them and then they say that it is n't sufficient. 
I spoke with the XXXX County Tax Collector Office and I was told that the document they provided me is what needed to make such adjustment. 
I was also told that the XXXX County Tax Collector 's Office that Banks in general were giving disable VETS a hard time in accepting this form that shows their tax information. 
I think someone should look at this issue. No Veterans should have to endure this kind of abuse from any institution. 

This is n't just for me but for every Veteran up there that has to deal with abuse and non sense daily. 

Included is the documentation that has been fax to them XXXX since XXXX with no positive result. 

Ps This directly violates Federal Law found in the Federal Registry Of Regulation. 

Please get the word out. I know I am not the only dealing with this abuse. 

Thank YouXXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against IQ Data XXXX  Failure to Validate Debt & Inaccurate Reporting To Whom It May Concern, I am submitting a complaint against IQ Data XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) and Maryland state regulations.

1. Failure to Validate Debt I disputed a debt reported by IQ Data XXXX  with the credit bureaus, but the account was marked as verified without any supporting documentation, such as a copy of the original contract or evidence proving the validity of the debt. This violates my right to debt validation. 
XXXX. Fraudulent Address Reporting The company is reporting an incorrect address as mine, preventing me from disputing this account. This deceptive practice keeps inaccurate information on my credit report and harms my financial standing.

3. Unlicensed Operations in Maryland After reviewing the NMLS Consumer Access Database and contacting t
he Maryland Board of Licensing, I found that IQ Data XXXX  does not have a license to operate in Maryland. If they are collecting debts without a proper license, they are in violation of state laws. 

I have already filed a complaint with the XXXX XXXX XXXX XXXX XXXX  ) and am seeking assistance through the CFPB to ensure this matter is fully addressed. 

Requested Resolution : Immediate removal of this inaccurate account from my credit report due to the lack of proper debt validation.

Correction of the fraudulent address reporting, which is obstructing my ability to dispute the account. 
Investigation into IQ Data XXXX  licensing status in Maryland to determine whether they are legally authorized to collect debts in the state. 
A response from IQ Data XXXX explaining why they failed to provide proper debt validation. 

If this issue is not resolved, I will escalate it to the Federal Trade Commission ( FTC ) and the Maryland Attorney Generals Office. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

Continued complaint # XXXX ... .this is the third request for payoff instructions : on XX/XX/2018, the payoff amount is per CSR is {$20000.00} up fromXX/XX/2018 of {$20000.00}. Payoff address XXXX XXXX XXXX XXXX XXXX, UT XXXX Attn : XXXX. The company is known to debit customers accounts w/o proper authorization, this information will be forward to our personal accounts provided to Prestige Financial prior to paying loan in full. The lender will be expected to transfer title properly and immediately upon receiving payoff in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act 15 U.S.C Section 609 states that credit reporting agencies do not have legal right to report Negative, Diverse or Delinquent accounts without signed document from me personally. I have not signed any such agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

XXXX I requested a loan application. I was approved only XXXX months ago, but did not feel comfortable with the terms of the loan. I was told to reapply again after 30 days. Now I am being denied. I have another loan with this company I have never missed payment, and I have a solid credit score, and I have income, but they do not offer me any options only deny my credit and do not even look at the whole picture. I feel that I was not give a fair approval and opportunity. How can I be approved XXXX months before, now have a better score and now be denied. Plus I have a loan with them already where I have never missed any payments. Does that not count for anything. I have made my payments all my accounts are settled and in good standing but they will not even offer my anything. Why would they approve XXXX loan that does not provide fair terms, and they deny when I try to request another to see if I can get better terms. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : 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 account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting 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 then 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Balance XXXX 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 an 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.

This company is a collection company but has this account listed as " open '' based on the FCRA a collection is not legally an " open '' account. I have requested documents from this company asking for validation that I have a signed contract with XXXX XXXX XXXX, and they failed. The account inaccurate shows me as a " cosigner '' but has failed to send accurate and verified documentation. This company is based in South Carolina and not authorized to legally collect debt in my state of residence.
Product: Credit card or prepaid card

The company, Capital One, reported to you that the issue had been resolved in my complaint, that is not true. They told me a refund would be issued for interest fees and over charges. Complaint # XXXX initial complaint.. I trusted they would do what they said, but have spoken to XXXX XXXX several times now and have been given every excuse in the book as to why I have not received my money. I don't get interest on the money that they owe me, but they sure found a way to charge me. Am playing the waiting game for my funds, if it were me doing this to them I would be in collections already. I just want MY MONEY RETURNED and to be done with this company and the way they do business. My opinion, they need to be investigated to see how many others are put through this when wanting to close an account. I have cut up and returned both credit cards and should no longer receive a statement from Capital One. It truly can't be this hard to issue a refund in form of a check mailed to me. 
PLEASE HELP ME WITH THIS COMPANY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a fraudulent bank account that was opened in my name. I have spoke to a security officer in which the account was supposed to be deleted from chexsystems, which it is still showing. I have  contacted my lawyer as well with this information to come to a resolution
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX  XXXX Balance : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, all has violated my rights. 

15 U.S.C 1681 section 602A.States I have the right to privacy.

15 U.S.C 1681 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: Student loan

XX/XX/XXXX I was disbursed XXXX XXXX XXXX XXXX by XXXX XXXX . In XXXX, I requested a loan repayment plan to begin the XXXX XXXX XXXX XXXX process. I was informed that my loan type did not qualify and instead the company consolidated the loan into a private loan type. Given the recent updates to the XXXX and the temporary waiver put in place, I learned that my original loan type did qualify and that the lender lied to me in order to get me into a high interest private loan product.
Product: Mortgage

I have had a very difficult time with Caliber. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Caliber always seemed to lose my paperwork, which I constantly had to re-fax. Once Caliber receives the documents, it takes them 5-7 business days to confirm they have received them. I now have a sale date of XX/X/2017, and Caliber is stating they can not review the modification because of the sale date. If Caliber was not so dysfunctional they could have reviewed the modification 30 days ago. I feel like Caliber is being fraudulent and lying to me. All in an effort to foreclose on me.
Product: Credit card

On XX/XX/2017 I visited XXXX and saw an advertisement for the Wells Fargo Cash Wise Visa Card. There was an online only promotion for new applicants to earn {$150.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. With this offer in mind, I applied for the card online. My application was approved and I immediately received an e-mail confirming my application from the online customer service team. My card was set to arrive within 5-7 business days. On XX/XX/2017 I received the Wells Fargo Cash Wise Visa Card with no information about the {$150.00} cash rewards bonus. I contacted customer service who directed my call to the rewards department. Upon checking the system, the representative was unable to determine why the cash back bonus was not applied to my new account opened online. I was informed that an internal investigation would take place. This is completely false advertisement on Wells Fargo 's behalf. I visited the website today on XX/XX/2017 and again am able to view the advertisement for {$150.00} online only promotion. I have applied for the card to be able to take advantage of this offer ; however I was not able to take advantage of this offer because it was never applied to my account as promised.
Product: Credit card or prepaid card

On XX/XX/2019 my Direct Express Card was reported fraud use, we have reported the card twice and they said we have a new card on the way. XX/XX/XXXX the card they supposedly closed there was another fraud charge. This is my SSI benefits, I am a veteran I depend on this every month. The Direct Express Customer Service say 's we are working on it. I told them I don't live in California and the charges are from XXXX XXXX XXXX and a College in California. I lost {$700.00} this month and if this continues this will build up. People are complaining about this Company. The hold times are over two hours and at times they will hang up the phone. This is really effecting my way of life I can't depend on this company to handle my Government issued card. I am contacting the Social Security in XXXX, GA to try to get this Government Direct deposit changed. There is a lot of people not receiving there money back. I hope this doesn't happen to me. XXXX try calling you will be on hold for two hours and your problem will never get addressed. I don't understand why the government is not looking into this matter if you could help. We also tried to close the account and they said they have to send paperwork to me meanwhile my card is being charged. I have not be able to get this resolved.