23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

During mid XXXX in between XXXX XXXX me and my fiance were robbed at knife/gunpoint by several masked indivuduals they took our wallets, keys, and phones ( which were not password protected ). Following this incident me and my fiance filled a police report that same night ( case number : XXXX ). However, i did not know which cards i had on my persons so I was not sure until i saw the charges. On XX/XX/XXXX I opened my navy federal account and noticed there were several transactions on my account that totaled XXXX XXXX As soon as I noticed this I called navy federal and explained everything and filled a claim. On XX/XX/XXXX I received a letter from navy fed saying that the charges were authorized and that they would not be giving me my money back. Keep in mind I researched and found the merchants and physically went to every single one of them and none of them had seen my face or my partners face. One store was a XXXX store i spoke with the employees and they stated that a purchase someone made matched the last 4 digits of my card and they also attempted mobile purchases from my mobile device that they stole as well. I asked them what they bought and they told me it was against the law for them to tell me exactly what was bought but they did tell me it was a firearm. Keep in mind that XXXX  bought in my state ( Virginia ) have to be registered to a social security number in order to complete the purchase. You can run my social security and my partners social security and there are NO REGISTERED XXXX  in our names. Also, keep in mind me or my partner do not own guns we are heavily against weapons. That charge alone was around XXXX XXXX We do not have any XXXXs registered to our names this clearly shows that the purchase was not made by us
Product: Debt collection

I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, XXXX XXXX turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store manager, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was returned. A year later, an {$800.00} collection appeared on my credit report from XXXX XXXX 's debt collector credence resource management. I have disputed the account multiple times but received no response, and it has not been investigated, removed, or resolved. My children and I are deeply affected by this situation, and I need this account removed from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. I do not owe XXXX XXXX any money. If this doesn't get resolved, I intend to sue for further damages.
Product: Credit reporting or other personal consumer reports

RE : Report # XXXX - Inacurate Information To whom it may concern : I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute. This dispute is NOT being submitted by a third party. 

The delinquent payments on my XXXX consumer report on the accounts provided below must be updated. 

XXXX XXXX XXXX XXXX Account # XXXX. 
Dates associated with the item being disputed : XXXX, XXXX These items are inaccurate. It occurred during the economic hardship forbearance period due to XXXX. The XXXX XXXX, which was signed into law on XX/XX/XXXX, for the period beginning XX/XX/XXXX and ending XX/XX/XXXX, amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. The XXXX XXXX protects consumers who were affected during the XXXX pandemic. It is also reporting inaccurately compared to this exact item on my consumer credit report through XXXX and XXXX which shows OK- PAID AS AGREED ( This error violates XXXX XXXX XXXX ). 


Respectfully, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was approached by a man acting like a girl on the app XXXX. This poser then proceeded to tell me that they had dirt on me and that they would expose me to all my family and friends unless I gave them {$300.00}. Which I just got to college so I was scared and complied. After doing so I realized I shouldve never had listened and sent the money. I paid {$200.00} of that {$300.00} through zelle and after this I reported the transaction and reported it as a scam. I called and filed their reports numerous times and they told me there was nothing they could do to get my money back which is why im sending a report in now to you.
Product: Debt collection

I just spoke with Recovery Management Services and inform them that XXXX University XXXX did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment
Product: Vehicle loan or lease

A letter, Certified Mail No. XXXX, has been sent to your office and addressed to CFPB Director, Kathy Kraninger. The letter was delivered at XXXX XXXX  on XX/XX/2020. The company at fault is AMERICAN CREDIT ACCEPTANCE, and all other pertinent information is within the letter. AMERICAN CREDIT ACCEPTANCE needs to acknowledge the loan has been paid in full and release the title to me immediately.
Product: Payday loan, title loan, or personal loan

i was called from a gentleman who claimed he was with a lending company called speedy cash ( legit company i found out but the gentleman who called me was not from that company ) he in dicated that he needed to put into my checking account a mobile check to which i returned the same amount of money ) i new about paper checks but not mobile : I guess when these predators catch u in a vunerable time, anything can happy the person kept answering my questions with hesitation. When i called after finding out the check was bogus and i was out the money, everytime i called i got " XXXX XXXX '' and he kept telling me he would contact the bank ( lies ) and the last time he even had the audacty to ask me to open a new account with a XXXX XXXX and i cut him off immediately. I have filed a police report and the account at XXXX XXXX  has been frozen
Product: Money transfer, virtual currency, or money service

Everybody : Read this and complain about coinbase at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and here : Report possible securities fraud to the SEC. Call OIEA  at XXXX, ask a question using this online form, or email us at Help@SEC.gov. 

This is a public company and they can't pull this BS anymore. 

Edit : I posted a draft of this : Hi, One XX/XX/XXXX, I had purchased a cryptocurrency from the public company Coinbase. Upon purchasing the cryptocurrency, I was allowed to withdraw it like any other coin on the coinbase platform. The abbreviation for the cryptocurrency purchased was called XXXX  XXXX. 

Basically, I wanted to withdraw the currency, and was able to as well. When I was submitting my withdrawal request, coinbase gave me an estimated time of " instant '' processing time ( Can submit photo evidence ). 

However, it has already been 8 hours and I have still been unable to withdraw it. I have contacted their support and there is no response through email during market hours. Moreover, they ask for a transaction ID when contacting their specific team of support and I am not even given one. This means that the error is purely from their end and their support for other problems are not even responding. Morever, I am unable to sell or exchange that currency back to anything else. 

You could imagine, that Coinbase gave me an estimated time of being instant but I am now stuck with the option of waiting over a day without the option to cancel the transaction. For all we know, the price of the cryptocurrency might go to XXXX  and I would still be stuck holding the coin waiting for coinbase 's transaction to go through. 

This is just ridiculous and should almost be fraud in some sense. Who would be responsible for these financial losses? I want to report coinbase for fraud and deceiving lies, which should not be tolerated for a publicly operated company where users deposit their money with a platform. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 They are listing a bankruptcy on my report when I asked the method of verification to list that they stated the courts. I contacted the bankruptcy court they replied they do not provide bankruptcy information to credit bureaus. Ive asked for the documentation showing the verification and they have produced no such thing. Ive recently provided them with a copy of the courts letter stating they do not provide credit bureaus with such information. They still said it was verified.
Product: Credit card or prepaid card

I noticed a fraudulent charge on my account for {$30.00} from XXXX XXXX XXXX. I notified Barclays via mail that the charge was fraudulent. Barclays refused to remove the charge. I then noticed another charge for {$30.00} from XXXX XXXX XXXX. I notified Barclays again via mail, and requested the account be closed. Barclays closed the account but refused to remove the fraudulent charge. 

Due to a XXXX I do not communicate effectively via phone. I have requested that Barclays contact me via mail, or email, only regarding this matter. However, Barclays has not responded to this accommodation request.
Product: Credit card

Back in XXXX I applied for a credit card with Chase called Chase Freedom Unlimited. I specifically chose to apply with them because of the promotion they had to get {$200.00} cash back after spending {$500.00} in the first 3 months of having the credit card. 

I was able to meet that requirement probably within the first month of the card opening. I noticed however that they did not apply the promotion to my account even after the fact. 

I initially called them about a month ago to inquire and I was told that it was a mistake and that they were going to send an escalation. I then receive a letter about a week or so later saying that they are not able to apply the promotion. 

I called a second time and this time, the representative stated that the first representative didn't do the escalation properly and that I shouldn't worry about having to call about the same issue again. It will be taken care of. 

This week ( XXXX XXXX, 2024 ) ; I received another letter and this time saying that the promotion was never in the account to begin with. So I called and talked to a supervisor who told me the same. They also asked me for proof of application which realistically nobody does when applying for a credit card. 

My question is why was that never mentioned in the beginning when I first got approved. It wasn't mentioned the first or the second time I called and brought this to their attention. Yet they expect me to have proof that I had the promotion when I applied. 

I asked them to provide the writing where it said I wasn't getting the promotion when I first got approved. They are not able to provide that either. 

I feel like it was a click bait and I was mislead with multiple different information. I didn't have this issue with any credit cards in the past. So I feel like it was a dirty tactic to get people to apply but not honor the promotion.
Product: Credit card or prepaid card

ABOUT ON XX/XX/2022 I REPORTED TO CAPITAL ONE AND A REPORT WAS TAKEN AND I WAS OWED XXXX NOW CAPITAL ONE TOOK BACK MY CREDIT MONEY THAT I PAID THEM I WAS ISSUE A NEW CARD I CALL ASKING ABOUT MY BMONEY AND NEVER COULD GET A STRAIGHT ANSWER I FEEL LIKE UNFAIR PRACTRICE WAS CLEAR IN THIS CASE, EVERYONE WHO I TALK TO TELL ME DIFFERENT THINGS ABOUT MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Debt collection

CREDIT CONTROL LLC has failed to validate debt on XX/XX/2022 I sent CREDIT CONTROLL a debt validation letter and in response they sent billing statements which is not sufficient evidence of indebtedness. I will send a 2ND and FINAL request for proper debt validation which is to include but not limited to a written itemization of the finance charge, the OFFICIAL initial contract bearing consumers signature, a written itemization of the amount financed and the amount owed; also I demand an audit trail for the account/debt in question
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a validation letter to portfolio recovery about an account they have listed on my credit report. This was to include a valid ink signature not a copy of a copy or a copy of a statement. They only have sent me a statement and said it was valid. They refused to adequately validate the account and refused to remove it from my credit report. On XX/XX/18 I received yet again another letter from them stating it was valid with a copy of a copy of a statement. This item needs to be removed as they can not legally validate the account they are trying to keep on my credit report.
Product: Debt collection

According to the National Consumer Assistance Plan, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. Thank you!
Product: Credit card

On XX/XX/year> - I attempted to make a payment to the XXXX Credit card, owned by Goldman Sachs. The primary ( maybe only way ) to make a payment to this account is through the iphone wallet application. I attempted to make my payment via this wallet app for about XXXX minutes prior to the payment deadline on XX/XX/year> @ XXXX. This effort failed as the application was down. I immediately called in to the Goldman Sachs XXXX  card number - prior to the payment deadline. Apparently - I was not the only XXXX having this issue- as the phone lines were overloaded I waited on hold for XXXX minutes and as soon as I got ahold of a representative, I was able to make my payment in full. 

I recall I inquired of the representative whether or not I would be charged a fee for this and she said no. However, I come to learn I was charge approximately {$60.00} of interest. I have since called in to request the back dating of this payment- for the reasons stated above- with no success. 

Goldman Sachs admits that I called in prior to the payment deadline, however, Goldman Sachs did not credit my payment until XXXX - over XXXX hours after I called in. It appears that XXXX 's systems were having an issue that day ( I am not sure how widespread ) as there was an extended hold time- which seems odd slightly before midnight. It seems to me that Goldman Sachs is abusing their customers by not having enough people to answer the phones to process payments when the system is down for the purpose of charging their customers more interest. And completely ignoring their customers when they call in to have situation corrected. 

I raised all these concerns with the representative- who was tasked with investigating these issues. It became clear that this agent had no authority to provide any relief over {$25.00}. The XXXX  representative suggested I kept calling back in to find someone who could assist me. The XXXX  representative said that they don't have the authority to provide any relief over {$25.00} - and that I should actually file a complaint with the BBB and CFPB which I am doing here- as the people who receive these complaints of more authority. 

The agents I spoke with essentially agreed with me and my issues but said they didn't have the authority to fix this. XXXX of the agents even suggested I come here to file a complaint as the people who review these complaints have more authority then they did. 

I am requested this payment be backdated to XX/XX/year> - so all interest is reversed. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account are accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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. These are the accounts Ive marked as inaccurate : XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative account on my credit report for {$34.00} in regards to some kind of medical treatment if anyone checks and researches my medical history they will see that I have medical insurance for the past ten plus years so I 'm not understanding how I can have a medical bill that is legal enough to put on my credit report how can a company charge you for services not rendered then hold you responsible for whatever they choose to put it on your credit report
Product: Money transfer, virtual currency, or money service

Late in the evening on XX/XX/XXXX and first thing in the morning on the XX/XX/XXXX I am still unable to make purchases through Coinbase. It says my account is XXXX and I was making purchases earlier this week without any issues. How convenient that the system was down when the price was down and how convenient the system was down when the price was up
Product: Credit card

On XX/XX/XXXX, I used my card to purchase a tailored suit in XXXX. The service wasn't good because it was delayed, they were not proactive in telling me that the suit would be delayed and even asked me to pay for shipping because I live in a different city. I got the suit and the suit was so bad, there was a hole inside the jacket, the tailored button shirt wasn't made for me because I was struggling to put in the button, too tight, and so many thread ends. They asked me if they could fix the suit for me but I can't because I need the suit to bring back to the US for events and they can't fix it before that. I told them I could send it back and get a refund but they rejected it. I called my bank to dispute the charge on XX/XX/XXXX. On XX/XX/XXXX, one of the employees texted me saying they were willing to get the suit back and refund me, I didn't get the message because I was not in XXXX anymore. On XX/XX/XXXX, I checked and saw the message and we both agreed that the solution was still available. I got an email from my bank saying they gave them some support evidence and I don't mind it because we all agreed that I send the suit back and get my money back. After all, I thought they told the bank our deal. On XX/XX/XXXX, my brother sent it back to them and they received it the same day. The lady texted me on the XXXX saying they received it already and would process the money back. I've been waiting and the lady keeps saying waiting for the accountant ... and then they just ghost me at this point. I called the bank and they said nothing they can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

not my account I have not has a account dated XXXX XXXX 2019 with this company for XXXX
Product: Credit reporting or other personal consumer reports

I never went to a school that I had to pay for especially a college in Georgia I live in Louisiana and have no idea why theres a student loan on my report
Product: Vehicle loan or lease

Im 2013 my car was vandalized and my insurance paid over XXXX for the repairs. I was told to sign it and mail to the lien holder and then they would pay for the repairs to XXXX. They never did and for over XXXX years I paid for a car payment of XXXX. I was unable to drive and was under non operational vehicle with DMV. Capital one told me for over two years they didnt know where my money was and finally I got a call from a man who investigated it. I then w got my car painted with a XXXX check and it appears to look grey and not silver. Capital One offered me to get a new car but the dealership would not take it as a trade in as the damages would be too costly and it t was of no value due to them not having it painted correctly from the repairs insurance money. The car is not in great condition and its have already spent over XXXX on the car and Capital One is still insistent on me paying XXXX which most of is interest and late fees. Im not paying anything as they ignored me since 2013 and I made my payments faithfully even though I could not drive it. Thats over {$7000.00}. All I asked them is to write it off and give me my title but they would never get back to me. I would call but no resolution.
Product: Credit reporting or other personal consumer reports

Experian I tried to delete the names on my credit report but ran in to a snag your online stated they could not verify me these names with these numbers need to be removed and any accounts associated with then from my credit report XXXX, XXXX, XXXX, XXXX, XXXX, XXXX there should only be one name on file
Product: Credit reporting or other personal consumer reports

I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/2023 ; Eastern Account Systems for the amount of {$62.00}, XX/XX/2023 ; XXXX XXXX XXXX for {$10000.00}, XX/XX/2023 ; XXXXXXXX XXXX  for {$12000.00}, and XX/XX/2023 ; XXXX  XXXX for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.