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

We them on XX/XX/2018 at aprox 3 pm and I RECORDERD the call even though they said to stop, but they kept there recorder going so that works one way only for them. They embarrassed me in front of XXXX XXXX I am a XXXX and entrusted them with my funds my card is paid every month with a low debit. SO WHY are the lieing to me about XXXX and my funds? They cut me off when I had {$900.00} to spend why I called THEM TO LET THEM KNOW IT WAS ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the negative information shown on my report again and again. 
Since XX/XX/XXXX and every time they the information and the negative accounts belong to me and they verified it as accurate. 

I requested them to send me method of verification that they have used, name of peple/company they have contacted and their phone numbers, I also requested what are documents that justify the negative accounts shown on my report are accurate within 15 days from the receipt of the letter. It was requested on XXXX XXXX and its been 15 days already and I have recently received letters from them saying, I need to contact the creditors directly.
Product: Credit card

I utilized a 12-month, 0 % interest promotion from XXXX XXXX XXXX for a {$5100.00} purchase, making consistent payments for 10 months. As each payment was made, the reminder to pay off the total by the 12-month deadline was clear. There were additional charges, including a {$100.00} on the revolving debit not part of the promotional purchase in the 10th month. Eventually, my total balance hit {$7300.00}, which I fully cleared, believing this would cover the promotional purchase as well as the purchase of {$5100.00} was paid down to {$4900.00} via monthly payments. 

However, the company deviously applied my payments to the non-promotional items first, cunningly leaving a balance on the promotional purchase. This sneaky move resulted in a staggering {$1500.00} in deferred interest charges in addition to incurring interest charges on that dollar amount. When I brought this up to management, their response was cold and unhelpful. They bluntly stated there was nothing they could do, despite me having paid {$7300.00} on a {$4900.00} promotional amount. This is not only unethical but feels like daylight robbery. I've wasted countless hours trying to sort this out, only to be met with robotic, indifferent responses from Comenity Bank. Their lack of accountability and predatory practices are infuriating and deeply unfair.
Product: Checking or savings account

Last XXXX XXXX week 2018, I tried to use my Santander account in XXXX. One of the reasons I had originally opened the account was because I was told that it was an international bank. Much to my surprise, it was not, and I was informed that Santander in XXXX has no connection to Santander in the US. While on the phone, I requested that my account be closed and my funds be returned to me, as I had been lied to. This did not occur. Instead, I had to pull out all of the funds myself. The account sat dormant until they let a charge that was not supposed to go to that account ( it had been set up to charge a XXXX account ), slip through. Because the account was never closed, they continued to charge me fees, etc. The account should have been closed a year ago.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

Self took money from my account on several occasions. Their bank is XXXX XXXX XXXX  XXXX. They took {$90.00} out of my account immediately. After that they keep making withdrawals for different amounts from my bank account. 
There was no savings like they said they just took my money and I canceled the account and they were supposed to return my money but instead they have a balance due to them on my account and put failed on all of the payments they took from my account. You can not get through to them and when you do they hang up. They have provided no service at all and they are still trying to make withdrawals from my account. Why cant they be stopped?
Product: Debt collection

XXXX Account was frozen, billed at {$10.00} per month until XX/XX/2020 XXXX Billed Full amount of $ XXXX ( should be {$10.00} ) Got a doctors note stating that I still can not exercise, Account should remain frozen. I have a receipt that for the payment of this. 
XXXX Billed full amount of {$90.00} ( Covid-Gyms were closed- Should not be billed ) XXXX Bill Full amount of {$90.00} ( COVID- Gyms were still Closed-Should not be billed ) XXXX gym reopened XXXX Reached out to the business to let them know I have a doctor 's note that my account should be frozen, business would not accept my doctor 's note XXXX Billed full amount of {$90.00} ( account should be frozen {$10.00} ) Late Fees : {$38.00} As you can see for the month of XXXX there should be no bill due, gyms were closed due COVID government mandate. The business would not accept my doctor 's note, I explained to them that due to COVID everything was shut down and the doctor 's note did not arrive quickly and they mentioned they can not backdate anything. 

Incorrect Billing Amount : {$390.00} I paid for the month of XX/XX/2020, have a receipt for documentation.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for financing through XXXX XXXX  ( XXXX XXXX XXXX XXXX ) in XX/XX/2023 and received conditional approval on XX/XX/2023. 
I applied for and received final approval for XXXX/FortiFi funding for wind-resistant windows and doors on XX/XX/2023. 
The contractor was XXXX, XXXX. 
I was notified by the contractor ( not FortiFi ) at the end of XX/XX/2023 that financing had failed. 
I emailed FortiFi to ask the reason. FortiFi replied on XX/XX/2023 that there was a dispute between XXXX XXXXXXXX and XXXX XXXX where the property is located. 
I was recently served with a summons from XXXX XXXX, XXXX threatening to sue me for up to {$50000.00} despite never receiving the windows or doors. 
The dispute between XXXX XXXX and XXXX  XXXX is a long-standing issue. While the litigation has evolved, it is still ongoing. 
My complaint is this : FortiFi took my application knowing XXXX XXXX was only taking XXXX funding for commercial enterprises and that funding was certain to fail.
Product: Credit card

Reported a factual error to XXXX, XXXX and XXXX credit bureaus. 
Capital One Bank USA NA XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX They filed a hard inquiry without my consent or request for credit from them or any of their affiliates. This was a fraudulent attempt to access my credit records. As well as fraud from the credit requestor and reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS REPORTING A REPO. ON MY CREDIT REPORT, I HAVE NEVER HAD A AUTO ACCOUNT WITH XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IS EFFECTING MY ABILITY TO PURCHASE A AUTOMOBILE ALSO KEEPING MY CREDIT SCORE BELOW XXXX
Product: Credit card or prepaid card

At about XXXX XXXX I noticed I was missing my Bank of America XXXX Merrill Lynch XXXX credit card. I checked the B of A app and noticed XXXX fraudulent charge. 

I tried to use the Bank of America app to lock my card, and report lost, cancel it, report the charge and get a replacement. But this was nearly impossible to do in the app. I spent so much time trying to XXXX and figure out how to use your all. 


I looked up the XXXX number for the fraud department. I was waiting and still trying to use the app. The app is needlessly confusing forcing me to use XXXX, a digital assistant, rather than just giving me the options like anyone else. 

It took me so long to figure it out, the person was able to successfully make ANOTHER purchase for almost {$200.00}. If your app was only easier to use, or phone wait times shorter, I could have blocked the card before that charge occurred. 

Meanwhile, it took MORE THAN 45 MINUTES to get through to your Fraud department. The person created a claim, refunded the charges, and issued a replacement card. The agent, XXXX, told me the DIRECT line to your Fraud department was XXXX. She told me to call back with the police report number. 

I called XXXX, the direct line as XXXX told me, and again waited 45+ minutes on hold. 

A guy comes on the line and says there's nothing he can do. He's not the right department. But wait! This is " the direct line '' to Fraud according to your previous representative...?! 

I'm again transfered and AGAIN wait on hold. After another agonizing 20+ minutes a woman comes on the line to take some the police report. But wait! Your systems are down for maintenance, and there's nothing she can do. She could take down a note, set a reminder, create a callback. Nothing. So infuriating. I was told this was the direct line, and after all that wait, we can't even get the memos on the case! 

Ridiculous customer service as always from B of A.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, altcoin $ XXXX collapsed more than two thirds of its value during the day, resulting in the margin lending pool incurring a more than {$13.00} XXXX USD loss. Poloniex took 16  % of lenders ' BTC to cover the loss to the lending pool. 
XXXX has been a dead project since 2016. Somehow A REGULATED EXCHANGE not only kept listing it but allowed margin trading to the tune of XXXX BTC of exposure. After the loss they try to persuade lenders like " ... this was a risky transaction and you should have known you could lose your money ... " by writing blog posts, but this wasn't clear before their failure. 
The loss is only because of Poloniex 's system bug and they have to pay back customers ' money.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with Experian, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted Experian, XXXX and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and XXXX Credit Bureau 's requests. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX, CO XXXX ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; Original Creditor : XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions
Product: Credit reporting or other personal consumer reports

I was denied credit by XXXX XXXXXXXX XXXX due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked Equifax, XXXX, and XXXX to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to Equifax, XXXX, and XXXX 's reckless and negligent actions. I have also repeatedly asked for Equifax, XXXX, and XXXX to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to Equifax, XXXX, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as Equifax, XXXX, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of Equifax, XXXX, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

It has been led to my attention that after several times of disputing information on my credit report with Experian, I feel that Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law.
Product: Money transfer, virtual currency, or money service

Once again American Express enables international criminals, fraudsters, thieves against American small business by allowing these people to steal trade secrets, intellectual property, goods and services using their American Express credit card, and then once they have benefitted from this, allowing their " cardmembers '' to file frivolous fraudulent credit charge backs wherein they steal ( in our case {$10000.00} ) in the blink of an eye from our law firm bank account, abruptly & without warning, causing our checks, employee paychecks, rent checks, insurance checks to bounce and otherwise create chaos in our balanced checkbook and small business life. We have provided these thieving dishonest idiots at American Express signed retainer agreement contracts, detailed billing invoices, proof of delivery of goods/services/legal work product & other evidence from our former client XXXX XXXX XXXX, but they still back up/support their criminal cardholders in their theft of services/grand larceny by trick.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE WITH CREDIT BUREAUS AND THEY ARE IGNORING MY REQUEST. I ALSO SUBMITTED A POLICE REPORT TO THE CREDIT BUREAS AS WELL FOR THE IDENTITY THEFT THAT WAS OCCURED.
Product: Money transfer, virtual currency, or money service

Coinbase locked my account around four months ago they send task after task to complete when I do there is never no new updates just that there waiting to hear from the compliance team when I ask to speak with them they apparently don't have a direct number I have spent multiple days on the phone when you can get ahold of someone one witch was four hours typically get more hoops to jump through a few days later also noticed money missing out of my account with no record of it leaving no transaction history in the account after spending two days on hold yes 2 days they took the money without my permission and no notification they then redeposit it back kind of sketchy still don't have access to my money as of writing this thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a report from all XXXX credit bureaus stating SENSIBLE AUTO placed my account into Collections. 
On XX/XX/2023 I Disputed with all three Credit bureaus regarding XXXX XXXX. For starters XXXX XXXX illegally sent my account to collections months before the legal requirement of 180 days. As well as filed and sent me a copy of Form 1099C Cancellation of debt under code [ G ] signifying that all debt has been paid In Full. I sent this evidence to all XXXX Credit Bureau and they only changed the status from Collection to Paid In Full/After Charge off. 
I also noticed that the new reportings from the bureaus all had different last payment dates. 
XX/XX/2023 I Disputed again that this account should be closed and Paid in full and not a charge off or collection, and this time the reports status said Open and comments read late on no more then two payments past due. And the last payment made disappeared. 
I then contacted the bureaus and expressed to them that this is a form of Tax fraud from XXXX XXXX because they tried to charge off the car after filing a 1099c to cancel 100 percent of the debt and then try to send me to a collection agency to get more money out of me on top of trying to illegally repossessing my car. I have alerted the IRS of this matter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Credit reporting

According to all XXXX credit report they have XXXX XXXX XXXX MA XXXX associated with my credit report and in 44 years I have never lived in MA. Therefore I like it investigated and also on XXXX and XXXX Reports they say there is a mortgage in my name associated with this address and I have never opened a mortgage.
Product: Payday loan, title loan, or personal loan

Lending tree llc messaged me and informed me my loan was approved to just esign thebpaperwork and they would expedite the process. They the. Called me and wanted me to buy insurance or send them.an ebay card for XXXX bucks. Then theybqoukd sendbthe money I called the bank that they said were my lenders and they informed me this was not the case they are scammers. They are fraudulently using XXXX XXXX   XXXX XXXX.
Product: Mortgage

Back in XXXX of XXXX I attempted to get a loan remediation and foreclosure relief, and Wells Fargo blocked me every step of the way. I actually had to hire a loan specialist from a competing bank to ask for the proper paperwork and assist me with filling it out *AND* join in the conference calls in order to basically force them through the remediation process. 

Also, as part of that remediation, I attempted to get my ex-wife, XXXX XXXX, removed from the loan, as we were divorced. I was awarded the house ( and associated debts ) prior to the remediation, and had a quit-claim deed already signed by her, all of which has been submitted to Wells Fargo ( several times ). 

At that time, they reversed and reapplied a bunch of payments as part of the mediation and I informed them at that time that those numbers were not adding up, and they assured me it was correct on their end, and the discrepancies were simply " display errors. '' Now, 11 years later, I have received checks in the amount of {$2300.00} ( XX/XX/XXXX ) and {$1700.00} ( XX/XX/XXXX ), made out both to myself and my ex-wife " XXXX XXXX XXXX. '' Me and XXXX were divorced several years before the remediation ( and documentation provided ). It is not possible for me to even create an account with both our names on it because " XXXX XXXX XXXX '' literally does not exist anymore. We haven't spoken in 15 years, and her whereabouts are unknown. 

I called Wells Fargo on XX/XX/XXXX regarding the {$2300.00} check and they asked for my divorce decree ( again ), to be sent to XXXX I had to PAY the court to release my old divorce decree, sent it in, got verbal confirmation over the phone, and said I would get my new, reissued check in 2-4 weeks. 

Four weeks later, I received the XXXX check for {$1700.00}, again made out to myself and XXXX. I never received the 1st check. Now they are telling me it could take up to 45 days to receive my reissued checks, and they CAN NOT reissue any checks without written permission from my ex-wife despite the existence of my divorce decree ( pre-dating the remediation ) and the quit claim deed. 

I have attempted, several times over the course of this mortgage, to get my ex-wife removed from this loan, and sent in my paperwork multiple times to Wells Fargo, including when I did my remediation, and Wells Fargo has refused to update my loan and title. I eventually had to refinance with a different bank to remove my ex-wife from my property, and now, 15 years later, I am still being defrauded by Wells Fargo and I demand immediate resolution.