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

I have applied for American Express Delta SkyMiles Credit Card on XX/XX/2017, and got a mail directly to my home a week later, say that I got approved and the card should arrive within 7-10 business days.
However, I did n't received that after 4 weeks. On XX/XX/2017. I chatted online with one of the representative online, and they claimed the card was lost and promised a replacement will arrive on XX/XX/2017. I still did n't get that on that day and I had to contact them again. This time they kept dodging my questions and did n't admit the card was lost. They said the card would finally arrive on XX/XX/2017, exactly a month after the application and the card was sent an address different from my home. I believe there must be something in their system since I chose to let them send the card to my home address, which was always my billing address and I can not get approved if the address is wrong.
I applied for that card because I want to use that to buy fly tickets for my trip starting on XX/XX/XXXX and now I am unable to use any benefit of that. Moreover, the flight ticket has risen by about {$100.00} during my visiting. I have contacted their customer service and they can not provide a satisfactory solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had settled an account with XXXX XXXX on XX/XX/2018 in the amount of {$100.00} for an outstanding balance with XXXX totaling {$260.00}. Had I known that this third party collection agency had no authority, other than to report weekly the information that my account is cleared with them, to remove this pestering collection away from my credit file. I had been transferred 5 times total, to be told to call XXXX and then to call XXXX XXXX again to finally become informed of that there is nothing else they are able to do. XXXX has its own collection policy that I was unaware of and to my understanding I should no longer owe another {$160.00} if the collection agency only settled for the {$100.00}. To add, I do not plan to EVER reinstate services with XXXX in neither the near nor far future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated. 

Account Name : Account Number : Amount : XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX {$580.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX $ XXXXAccount Name : Account Number : Amount : XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXXXXXXXXXXX**** {$3200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$580.00}
Product: Student loan

I am the cosigner on a Wells Fargo student loan that was taken out by my niece to finance her XXXX degree. At the time of the application, I wanted to be sure I was n't signing up for a long term commitment. I was told before any documents were signed that after two years, I could apply to have my name taken off the loan, so long as there was a history of on-time payments. I felt that was a bit excessive, since in most cases a cosigner can be removed after one year, but I wanted to get the loans consolidated with a lower interest rate. Silly me. 
At this time, it has been over four years and I am still being held hostage as a cosigner, even though the payment requirement has been fulfilled for longer than required. Additionally, although I am held responsible for the loan, Wells Fargo will not provide me with any information regarding disposition of the loan, everything must be channelled through my niece. She is also the one who must apply to have my name taken off the loan, which is not the way it was presented to me. It apppears Wells Fargo has stacked the deck so that I will never be removed as a cosigner, though that is n't the way it was presented in the beginning. 
The loan is serviced through payroll deductions, so it 's not as though a payment will be forgotten or missed. If a borrower has a record of repayment this long, I would say it 's a pretty safe bet that the necessity of having a cosigner is a moot point, and Wells Fargo should honor their promise to remove my name from the loan.
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX, I contacted Capital One and advised them of two transactions {$280.00} and {$510.00} mistakenly taken out of my credit card balance by XXXX XXXX XXXX. I specifically requested that I be capable of keeping my credit card ending in XXXX. The customer service representative advised me that she had not requested a replacement card. However, when I called back later during the day I was advised that my credit card ending in XXXX had been cancelled against my request. I then requested to speak with a manager who then indicated that the cancellation could not be reversed. I had planned to use my credit card on Monday and Tuesday of this week. Now that my credit card has been cancelled I will now have to wait until I receive the new card in the mail which has caused me extreme inconvenience. Since XXXX, I have been harassed by the FBI who is consistently using Section 702 to perform a warrantless search and seizure of my personal communications. Apparently, the FBI who has involved the City of XXXX in the unlawful surveillance is capable of monitoring and intercepting all personal call, text, emails etc. They have been intercepting my phone calls and impersonating individuals who work in companies in order to deprive me of my constitutional rights. As previously stated, I never requested or authorized the cancellation of my card ending in XXXX. I specifically advised the customer service representative to avoid cancelling my card by telephone on XX/XX/XXXX. I know that the cancellation was done by the FBI as they have all of my information and have and continue to interfere with my constitutional rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to refinance my mortgage ; however, my current mortgage servicer, Planet Home Landing, reported that I was delinquent with a late payment in XX/XX/2021, but that payment was in fact made and drafted from my bank. I have the bank statement referencing that the payment was made. Because of this alleged " late payment '', I am unable to qualify for any refinancing options and it is affecting my credit standing. I am experiencing severe financial hardship and every attempt I make to refinance the mortgage is not successful because of this.
Product: Mortgage

I apply for a loan modification with Bank of America on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a letter that I do n't qualify because they are unable to verify ownership or occupancy of the property and also unable to verify identity. 
on XXXX/XXXX/2016 I send an appeal because I live on the property and I do not understand why they sad that cant verify identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion today, XX/XX/XXXX, and spoke with a representative who said they could not take these unknown inquiries off my account. The inquiries are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate and fraudulent public records has been reporting under my name, this is a 100 % inaccurate information reporting under my name, i will be attaching my documents such as police report and the FTC report provided to both XXXX and the experian credit reporting agency. please you are my last hope in order to have these inaccurate information be removed from my credit file. i need to rent a place and because of this inaccuracy no one is helping me, the customer service for both has been disaster and none helpful. please i need you r help in this matter thanks
Product: Money transfer, virtual currency, or money service

Coinbase allowed a USD withdrawal to an unauthorized bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a dispute about the information on my credit report. 
I can not access the results of the report or my existing account, as I have been locked out of my account. 
I have 3 different phone numbers to call : XXXX ; XXXX ; XXXX NONE allow me to speak to a human. 
I need to update both phone and email addresses, I CANT DO ONLINE, IVE BEEN LOCKED OUT OF MY ACCOUNT. 

My only other choice is snail mail. 
This is utterly and completely ridiculous. 
Sincerely, Please, help!
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 

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

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXXXX/XX/XXXXAccount Number : XXXX Amount : {$0.00} Date of Account : XX/XX/year>
Product: Debt collection

They violated my hippa rights and put it on my credit without knowledge of payment
Product: Mortgage

On XX/XX/19, I e-signed an Intent to Proceed notice with TD Bank for a mortgage loan. The closing date for this transaction was scheduled for XX/XX/19. My attempts to communicate with the loan officer and loan processor since signing the Intent to Proceed have been largely unsuccessful resulting in missed deadlines and a failure to meet the original closing date. Between XX/XX/19 and XX/XX/19, I sent 6 emails to my loan officer and/or loan processor and not a single one was replied to. Over the same approximate 1-month period, I left 11 voicemail phone messages ( no phone calls were ever answered immediately ). Only three of my calls were returned. I received a conditional approval on XX/XX/19 from the lender. I submitted the required documentation to the best of my ability with minimal to no guidance provided by the lender. Due to lender 's failure to respond to my attempted outreach, at no time was I aware if the submitted documentation would be acceptable. 

The conditional loan approval correctly stated the closing date XX/XX/19. An initial closing disclosure is required by XX/XX/19 in order to close by XX/XX/19. TD Bank did not meet the XX/XX/19 deadline for the closing disclosure. I was informed via email onXX/XX/19( the first email response I received since XX/XX/19 ) that the lender has not performed an employment verification. I was informed by TD Bank that a written verification request was sent to my employer on XX/XX/19, the day the closing disclosure was due. During one of the few successful phone calls on XX/XX/19, I asked the loan processor if any documentation was needed for employment verification. I was informed TD Bank would independently obtain the verification. As of XX/XX/19, to my knowledge the only item which is required to complete underwriting is the written employment verification. However, I can not confirm this is the only requirement for underwriting due to the lack of communication. As of the filing of this complaint, I have not received the completed appraisal, the initial closing disclosure, or even a proposed revised closing date. 

TD Bank has failed to display any good-faith efforts indicating that they attempted to close this loan on-time. Outreaches to the TD Bank loan officer and processor have been almost nonexistent. Outreach to TD Banks customer service line has been successful, however, the amount of assistance they can provide me in limited to what is recorded in the system by the loan officer or processor. As a result of the failure to meet the disclosure deadlines and closing date, I now face potential consequences of monetary damages and a cancellation of sale through no fault of my own.
Product: Credit card or prepaid card

I made a payment on my Discover Credit Card in XXXX on XX/XX/XXXX of {$110.00} through their automatic payment over the phone, but Discovery Card said they were unable to locate the bank, and the Bank XXXX XXXX XXXX  had not record of being contacted by Discovery Card for any payment Originally after I made the payment for {$110.00}, Discover Card sent me by email a confirmation stating that the payment had been scheduled. 
However, later they informed me when I called to make sure the payment was processed that it did not go through. When I spoke to them about this on XX/XX/XXXX, we determine that their automatic system had recorded the wrong routing number. 
However, a supervisor named XXXX told me that they had to access me a fee for the payment not going through even though it was their automated phone system that did not work properly. Later he said the fee was taken off but for some strange reason my minimum amount due for XX/XX/2020, was {$120.00} instead of {$62.00} as it was in XXXX of XX/XX/XXXX. i do not understand how this happen? 
I want you to investigate how they did not get the correct routing number when I first attempted to pay {$110.00} on XX/XX/XXXX or near that date through their automated phone system. When I paid the {$120.00} on XX/XX/XXXX to an actual live person over the phone that payment went through and was processed! 

On XX/XX/XXXX, I made a payment of {$120.00} twice the amount of the minimum payment, so the minimum payment for XX/XX/XXXX should have been {$62.00}, but XXXX the supervisor I spoke to said the minimum payment had went up to {$120.00} because the attempted payment of {$110.00} did not go through as a result of their automated phone system not recording the correct routing number for my bank XXXX XXXX XXXX. 
This did not make sense, and needs to be investigated!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may c oncern : Statebridge Company made a major error on my account ( see attachment ). This error caused m y credit score  to plunge  XXXX  Points.  Statebridge cl aimed that I have been 60 day late when in fact I 've never been 60 days. I was 1 day late for the month o f  XX/XX/XXXX   because  XX/XX/XXXX  was on a Monday when we attempted to pay on Friday   XX/XX/XXXX .  They need to contact both major credit reporting agencies immediately and have this corrected. I 'm applying for a home loan and this bad information will cost me a ton as a result of interest rate or being disapproved. I 'll need to hear back them soon I will file a complaint with the OCC and the  Consumer Protection Bureau an d sue for any damages. -  XXXX   XXXX
Product: Checking or savings account

BBVA USA acquired Simple bank and absorbed its customers on XX/XX/2021. Effective XX/XX/XXXX at XXXX, Simple customers like myself no longer had access to their accounts and were told to setup accounts with BBVA XXXX Saturday, XXXX. 

Upon attempting to setup accounts, the process fails. BBVA 's customer service phone numbers were disconnected all day XXXX. After 12 hours of online complaints via XXXX, they issued a statement that they would open customer service for Simple Customers for special hours on Sunday XXXX, XXXX - XXXX XXXX XXXX. Currently as of this writing, either calls to that line XXXX are either disconnected, or when a representative answers they can not hear the callers. I have attempted to call from multiple devices. This is now approaching 48 hours of being fully locked out of my own bank account when BBVA had MONTHS to prepare for this transition. I can not review my transactions, statements, manage payments, or check my balance. I have no clue when this will be resolved. 

They have also engaged in a practice of hiding customer replies to their XXXX to obfuscate the situation further. Example - https : XXXX? XXXX Additional XXXX Documentation - https : XXXX? XXXX https : XXXX? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get pre- approved for a home loan and there are three address listed as my residence that I have never lived at and do not even know where they are. They are listed as XXXX XXXX XXXX, XXXX, NC ; XXXX XXXX XXXX XXXX XXXX, XXXX, NC ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC. I have never lived here and need these removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned the serious possibility that you have not followed permissible purpose provision ofa the Federal fcra. A credit account for you Capital One was place on my credit report XXXX, XXXX  and XXXX. The Act specify that you must document the reason for requesting my credit report and when in error remove acconts as well including inquiries. I am depending on Capital One to follow the statue : either provided documents that the law was followed by researching the matter at once or remove this offending accounts and inquiries as soon as possible yours truly XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2020. {$2400.00} Something but the Principal amount is only {$1500.00}. I already made a payment of {$1000.00}. I want to make a settlement and lower the amount balance and I want to pay it off soon without any additional charges. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax isnt updating correct information on all my accounts. XXXX and XXXX  has the correct balances. Since Equifax isnt updating my credit score is way lower than the other two. Equifax has numerous inquiries listed on my credit report that arent authorized by me. What is going on? Having negative information on my Equifax report is making it hard for me to figure out why its not updating on their end. Where all these inquiries coming from.
Product: Credit card or prepaid card

Experian offered to obtain a XXXX XXXX XXXX card with no annual fee for the first year. I applied and was accepted. The day I activated the card XXXX XXXX charged me {$95.00}. I complained to experian. My complaint was handled by an offshore contractor who refused to connect me with someone actually with experian. I also complained to XXXX XXXX who insisted my complaint was with Experian. Isnt this fraud?
Product: Debt collection

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation gatherer hasn't given confirmation that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient verification and a duplicate of a printout bill isn't confirmation this is influencing my capacity to get another home. I don't have the foggiest idea why I'm being dealt with this way.
Product: Money transfer, virtual currency, or money service

I am filling 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in XXXXIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting or other personal consumer reports

Have put in dispute with all XXXX of the credit bureaus about these hard inquiries that I have don't have any knowledge about and the XXXX credit bureaus still are refusing to remove these Hard inquiries off of my credits report even after explaining that I was a victim of fraudulent activity.I submitted a copy of my Identity Theft Report showing the alerts.They still are saying that it is being verified as accurate.How is that so I know nothing about these inquiries and demand they be removed from my credit report under the15Usc-1681 Consumer Reporting Act the information must be proven an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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Product: Debt collection

I am getting phone calls several times throughout the day starting at XXXX every single day. They only leave one message per day but I get 3-5 calls every day. 

Im also curious to know if its legal for them to continue to call once the debt has been sent to collections.