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

This company keeps reopening accounts in my name. XXXXXXXX XXXX XXXX, XXXX, simply referred to as XXXX XXXX XXXX, is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ]  As of 2017, XXXX XXXX XXXX services more than 7 million cardholders across the United States.
Product: Payday loan, title loan, or personal loan

Received a title loan which wasn't properly explained and I didn't understand the terms and now I owe much more and they call constantly to collect money with additional fees and interest that I didn't agree to. I would like to pay off the debt, but I am unemployed and looking for work. I will soon have a job and would like to keep my car for work purposes. I am willing to discuss payment arrangements.
Product: Mortgage

I tried to do a remodification loan with Wells Fargo and they turn it down 3 times I was dealing with a XXXX  about 5 or 6 years ago they sent me a check for about XXXX to XXXX I dont remember the exact amount I was in my home for 12 years I live on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and its been a lot of years between then and now and I dont have any of the paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has shared my social security number, credit report and confidential information there in without my consent to Convergent who illegally and without my consent have violated my privacy and are aware of where I live and have been given my phone number. 

I am requesting Convergent and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus. 

I have not signed an agreement with Convergent and associates  to contact me, nor have my confidential information nor report errors to all three credit bureaus. 

I'm requesting in writing the removal of the false reporting from all three credit bureaus. 

Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated. 

My husband 's XXXX XXXX and current hospitalization has had my family in crisis and now with Covid-19 I must have this inaccurate reporting removed immediately. 

The false reporting is negatively affecting my XXXX XXXX ' ability to receive COVID-19 disaster relief. 

Please remove now from all credit bureaus. 

Thank you.
Product: Checking or savings account

My DirectExpress statements are showing multiple duplicate charges and the bank is refusing to acknowledge them even though it shows on all of the statements that there are multiple duplicate charges and the money leaving my account.
Product: Checking or savings account

My phone was stolen in XXXX XXXX on XX/XX/year>, right away. When Chase Bank opened in the morning on XX/XX/XXXX, I asked them to read me the charges. 

I always keep less than {$500.00} in my checking account. At the time, it was {$170.00}. There were transfers from my savings account to my checking account of {$3500.00} and {$2500.00}, for a total of {$6000.00}. 

A zelle payment through Chase Bank was made by the thief of my phone of the amount {$1200.00}. The name of the person it was zelled to was XXXX XXXX. There was also a XXXX separate cash app payments made to the same person for {$250.00}, {$50.00} and, {$200.00}. Another zelle payment through Chase Bank was made to the same user for {$750.00}. Totaling {$2000.00} on XXXX and {$500.00} through cash app. 

I went directly to the police station to file a police report for my stolen phone and stolen money. My police report was submitted on XX/XX/year>. Case # XXXX. 

I submitted a fraud claim through Chase Bank immediately. I submitted my police report and had numerous phone calls with different representatives from Chase Bank explaining the situation. I was notified on XX/XX/XXXX that they deemed these chargers as authorized. 
They said that these chargers align with my account usage. This is not true. The person had the transfer money from my savings account to my checking account. This was done at XXXX am. This is NOT aligned with my account usage. I never transfer that large of amount of money, especially in the middle of the night. I also do not use XXXX or cash app often. I use zelle once a month to pay my rent and send it to the same person, my roommate, each month. 

On XX/XX/XXXX, I was informed my cash app payment was deemed authorized according to Chase bank. I do not use cash app.I have maybe used it a handful of times. Again, this does not match my account activity. 

I spent weeks on the phone with Chase Bank. They were completely disregarding my concerns and frustration for the lack of attention to this case. I had XXXX separate phone calls looping in my father, XXXX XXXX to have him try and get through to them. He shared his frustration as to why these charges were not flagged the night of the incident. Again, it does not remotely align with my previous transactions. I also had a call with my mother, XXXX XXXX. Again, we were completely let down by the lack of support. 

I am extremely frustrated and would appreciate support in this matter.
Product: Checking or savings account

Fraudulent Activity! 

I have called up Chase and got the run around on separate dates ; XX/XX/2021 XXXX ( STOLE ) {$5000.00} XX/XX/2021 XXXX ( STOLE ) {$400.00} XX/XX/2021 XXXX ( STOLE ) {$190.00} XX/XX/2021 XXXX ( STOLE ) {$1000.00} XX/XX/2021 XXXX ( STOLE ) {$1000.00} Totaling {$7500.00} After I saw these transaction, I called XXXX. No support service, just automated messages that didn't pertain to anything I needed. Set email after email ( I HAVE PROOF and PHOTOS of all these CLAIM # 's ) NO RESPONSE, Just automated messages that say go to the account. No one messaged me and there's no way to the account. 

As I tried, XXXX has my old phone number and it was impossible to receive SMS texts. I verified ( WITH PHOTOS INCLUDED ) my newest number. Yet nothing happened. I had to text my old phone number for the codes. ( HOW EMBARRASING with PHOTOS ) Once these codes were placed nothing happened. My {$7500.00} was wiped from my account. 

I contacted Chase and created a claim because my money was stolen from me, they just denied the claim because I did recent transactions in XXXX with them. AGAIN, THEY STOLE MONEY OUT OF MY ACCOUNT. Out of no where, I get a {$410.00} unauthorized credit to my Chase account. 

I AM STILL MISSING A STOLEN {$7000.00} CHASE denies any responsibility and I am left with no protection. I filed a Police Report, I filed to the XXXX 

I have no protection from my Bank. XXXX doesn't respond XXXX # XXXX
Product: Credit card or prepaid card

I am an XXXX XXXX military member, and am verified in the Military Lending Act database as an XXXX XXXX military member. I opened XXXX cards ( American Express XXXX, Gold, and Blue Cash Preferred ) under the pretext that I would be granted MLA benefits including waiving the annual fee for all three of these cards. Annually, the fee for the XXXX card was increased from {$550.00} to {$690.00}, the XXXX card is {$250.00}, and the XXXX XXXX XXXX card is {$95.00}. I am now being charged {$1000.00} annual for these cards while being eligible for these fees to be waived. 

An automatic inquiry is opened to determine SCRA/MLA benefits when the card is opened. That report came back stating I was ineligible for both. It is true that I am ineligible for SCRA benefits since I opened these cards while on XXXX XXXX, but I am eligible for MLA benefits. 

After learning I was denied, I submitted another dispute the same month that the cards were opened, XX/XX/XXXX. That came back saying I was denied again with no reasoning articulated. 

I called and talked to representatives. They told me to submit again. I did in XX/XX/XXXX and was denied again with no reasoning articulated. 

I repeated this process three or fouXXXX more times, with the latest being this month -- XX/XX/XXXX, and was denied again each time. 

I called American Express numerous times to try to resolve this. Most times I was told there was nothing they could do and it was an internal branch of the company with no direct contact with customers. I just wanted an explanation as to why I was denied. 

Once I worked with a representative who was convinced I was right in my claim that I was eligible for MLA benefits. She was so convinced that she herself refunded me one annual fee for the XXXX card through her supervisor and then sent up a complaint the the MLA team. She told me that they said that I was ineligible because the benefit wasn't applied to my account within 18 months of account opening, even though I have been trying to secure these benefits since the month that I opened them. She was still convinced I was eligible and promised to keep working with me and the MLA team to find a solution. We had email correspondence but eventually she completed stopped replying to my emails and I haven't heard from here in about a month. 

I want the MLA benefits that I am entitled to applied to my account, but the bureaucracy of the MLA team is getting in the way of finding a solution. I have tried numerous times over the course of two years to sort this out through American Express and have gotten absolutely nowhere. I am wrongfully being denied MLA benefits that I am entitled to as an XXXX XXXX service member.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress : for these violations. XXXX XXXX XXXX I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX  XXXX XXXX Account # XXXX is reporting on my Experian report. I bill that they mailed me is in violation of U.S.Code 1692 b 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and FDCPA Discussion. 

I am attaching a copy of the bill as proof, and furthermore I have already verified with the hospital that this is a billing error. They have made it clear that the patient was in fact covered at the time of this hospital visit. This error on my report has caused my business much harm and XXXX should know that if this item is not removed I will take legal action. A copy of the FCRA is also attached as you will find this error is also in violation of many codes listed.
Product: Credit reporting or other personal consumer reports

Dispute the inaccurate and wrongful reporting of two specific charge-offs related to my accounts with XXXX XXXX XXXX . I am requesting the immediate removal and deletion of these accounts from my credit report, as they contain erroneous information and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) ( A ). 
Upon investigation, XXXX XXXX XXXX  admitted to billing my accounts incorrectly with additional fees and erroneously charged off the accounts, which were then sent to collections in error. These actions occurred while I was awaiting the results of a prior investigation that I initiated with the XXXX XXXX XXXX fraud department regarding unrecognizable charges on my accounts. 
Attached to this letter are two written confirmations from XXXX XXXX XXXX, which acknowledge the errors they made : Letter dated XX/XX/XXXX2024, for the account ending in XXXX Letter dated XX/XX/XXXX2024, for the account ending in XXXX
Product: Money transfer, virtual currency, or money service

I was created a account on www.wise.com a few years ago and it was a business account all about was going well but recently XX/XX/XXXX my account was deactivated due to any violation but my funds was held on my wise account so I have applied to wise for refund but wise send this refund on wrong account I have all proofs
Product: Credit reporting

SafeRent CoreLogic AKA Corelogic XXXX XXXX XXXX is presently reporting false information on their consumer file relative to my rental history. They are falsely reporting a judgment in excess of {$16000.00} for XXXX XXXX XXXX in XXXX, Texas. I have attempted to contact them by both phone and mail to dispute this matter and I have received absolutely no response or resolve from them. I have also had my attorney to contact the court where the judgment was supposedly filed and the court 's response was that the XXXX XXXX XXXX attempted to file an erroneous eviction and judgment against me, but the case was dismissed and a judgment was never issued. How SafeRent CoreLogic AKA Corelogic XXXX obtained the false information is unknown. I am asking that the CFPB investigate them for negligence due to falsely reporting information regarding my consumer activities. I am unable to upload any copy of my consumer report because SafeRent CoreLogic AKA CoreLogic XXXX XXXX XXXX has not responded to my XXXX XXXX, 2016 request for a copy of the report.
Product: Checking or savings account

I received an email from Wells Fargo giving me information on how to access statements for an account I never opened. I DO NOT HAVE, AND NEVER HAD, ANY BANKING OR FINANCIAL BUSINESS WITH WELLS FARGO. 

The Wells Fargo " customer service '' will not do anything, even verify if they sent the email, without me giving them personal information. They would not even verify if the return email address belonged to them. I am supposed to go to one of their institutions to have someone look into it. 

I need to make sure I have NO accounts with Wells Fargo. 
I want any and all personal information they may have on me removed from their possession. They do NOT have my permission to have any information about me.
Product: Debt collection

The collection company is falsifying info on my credit report. On XXXX/XXXX/17 they flagged a collection on my credit report as in collection. The status date was listed as XXXX/XXXX/17. On XXXX/XXXX/17 they flagged a collection on my credit report as unpaid, and the status date is listed as XXXX/XXXX/17! They are also reporting to all XXXX credit Bearus under different names, but the same account number, and same balanced owed.
Product: Credit card or prepaid card

Hi, I was affected by COVID and reached out to BBVA after receiving a letter they were offering assistance on XX/XX/XXXX. I spent 59 minutes on the phone with them ( call log attached ) better understanding the terms of COVID relief and confirming that my 0 % balance transfer offer was extended through XXXX. I was transferred to 4 individuals who struggled to find the information but finally, the last one confirmed that XXXX was when my interest rate would increase for both of the balance transfer offers I had. I'm sure the recorded phone call would have that detail. 
As you can see in the attached statement, I started receiving finance charges on the account on XX/XX/XXXX. I made arrangements to pay the balance as soon as I could as I saw that I had incurred the charges, making a payment on XX/XX/XXXX. When I received the next statement I saw that the entire balance was being charged interest even though I'd been told that I had 0 % until XXXX. I called on XX/XX/XXXX and explained the above and was told that they could not reverse interest charges but would open a ticket and that I would receive an answer within 5 business days. Today is XX/XX/XXXX and I have yet to receive a response. I've paid off my entire balance and have been charged even more interest. 
Had I known I would've been charged this interest, I would've made arrangements to pay off the balance, even until financial distress. I'm reaching out because I can not get a call from customer service and feel that I've been taken advantage of under the pretense that they are helping me during COVID. I have attached a copy of my statement, call log and email confirming my COVID assistance on behalf of the company.
Product: Consumer Loan

Capital One discriminated against me by only offering interest rate on a loan way above that of what they offer other individuals for no reason. They were completely predatory in there unfair loan. The company does n't refinance existing loans, again discriminating against me by denying me services they will provide other people.
Product: Money transfer, virtual currency, or money service

I made a transaction on XX/XX/2019 through PayPal for tickets to a XXXX   game and we believe it is a scam. The transaction was for XXXX and we were in contact with the merchant until she told us we paid her in the wrong form the first time so we used another account. And after that we lost all contact with the merchant.
Product: Vehicle loan or lease

I purchased my car at XXXX XXXX XXXX in XXXX, AZ. in XX/XX/XXXX 2012. The salesman, who I knew, actually picked me up at my home in XXXX and drove me to the lot cause he knew I was looking for a car. He was an associate of mine. I was n't working but had over {$1500.00} in cash to put down on a car. The car they sold me was a XXXX XXXX XXXX, the most basic model. 5 speed, no auto windows and no speakers in the back. Somehow I was finagled into signing and getting approved, with no job, mind you. My payments were set a XXXX XXXX/month. I should n't have agreed, but I needed a car and was encourage by the salesman that it would n't be that difficult to pay it off. I made payments until I could n't afford to anymore. I was n't full-time employed and rent and food were more important, so my car payments ended up in default. Santander is the owner of the loan. They worked with me to half my payments for a bit, but that only worked for a few months. When I finally got a full time job, I made the payments before the billing cycle was overdue. I 've been very consistent the last year and a half in paying this off, however, when I called Santander about my balance, it had barely budged. Currently I owe {$15000.00} on the vehicle. When I pulled my credit report, I noticed that the majority of my payments never went towards the principal ( as you 'll see by the attached form ). I ca n't express how much this saddens me. I 've made extremely high payments for a vehicle that is now worth less than {$3000.00}. And no one at Santander ever reached out to help me knock this bill down. I ca n't refinance either. I 've paid more than what the car is worth at sticker and now I still owe {$15000.00}.
Product: Credit reporting

Equifax And XXXX XXXX Are Reporting Negative Information On My Credit Report That Is Over 10 Years Old And Closed Over 10 Years Ago. I Have Tried To No Avail To Get This Damaging Information Removed By Contacting Equifax And XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX XX/XX/2021. {$3200.00}
Product: Debt collection

They mail some photo copies of some bill statements and i have ask more then once for them to send any sign paperwork to show that i owe the debt or that they even have any sign agreement with any creditor i still have n't received anything yet in 30 days.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Accounts # XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I defaulted on a loan and it was sent to a collections company called XXXX XXXX XXXX. Once I got back on my feet, I called XXXX XXXX  XXXX and talked to XXXX XXXX and we negotiated a settlement for my debt. She assured me that the call was recorded for both my protection and her protection, but the company has not provided the recordings to me, though I have asked. We negotiated my debt down from {$11000.00} to {$7100.00} ( a difference of {$4700.00} ) as long as I paid by XX/XX/29. I called on Friday, XX/XX/29 and paid the {$7100.00}. If you listen to the conversation, it is clearly a settlement in full for the {$11000.00}. Now that I've paid it, SOFI has changed their reporting to say that I still owe the remaining balance and that I have just made a payment of {$7100.00}, even though I have a statement from XXXX XXXX  XXXX saying that the account is settled in full. This is extremely deceptive, as they are reporting as if the {$11000.00} was never discussed with their collections company and that I was just making a payment toward a balance, which is untrue. I was settling in full.
Product: Checking or savings account

My girlfriend and I purchased groceries on her girlfriend 's XXXX account on XXXX XXXX ising my Coinbase wallet debit card. The order total was XXXX but XXXX placed a hold for extra funds in case adjustments were made to the order for substituted items. The total hold amount was {$100.00}. So the difference was to be returned to me. Normally I receive these types of returned adjustments in minutes, or in some case no more than 3 to 5 business days in light if the allowed 1_10 day timeframe because it never and should never take that long after they have marked a transaction as completed. Coinbase marked the total amount t if {$100.00} authorized complete on the purchase date. They should not have marked this complete to the merchant not submitting that value as the final amount. I have since been waiting for these balances to be returned to my Coinbase card account in the amount if approximately {$25.00}. I believe the merchant and/ or the bank are handling these types of processes with little regard to the consumer once it reaches the point of just unnecessary delays. And it has been proven that the amount was finalized already. I can not get any type of update ipr help from Coinbase and in this regard, after further reviewing my account, I can see this transaction shows pending foe {$100.00}, however they also marked it as authorized completed. In addition to this issue I have discovered pending transactions that are over 1 year old from XXXX XXXX, XXXX  and also another from XXXX of XXXX. There have been at least 3 occasions whereas Coinbase has not properly reconciled my balance payments and ultimately kept monies from XXXX  purchases that they had on hold and never returned to me. Due to the confusing way that they delivered amd changed the transaction settlement dates, it makes it impossible for me to prove the overages so I ultimately end up taking the lose and just end up hoping rhat they will discover the overage upon their end of the year reports, but they did not. They owe me over {$75.00}, not including the current XXXX adjusted balance from the transaction on XXXX XXXX, for additional transactions in crypto purchases in the Coinbase app, and in store purchases using my Coinbase card. The transactions were either cancelled in some instances or placed on hold and never reconciled. At this point I am just frustrated and perhaps am leaning towards demanding an investigation into the handling of their customer account funds and banking transaction/activities.