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

Direct Express put a " freeze '' on my card on XX/XX/2023 because they said " fishy business '' had occurred with my card. 
They did not tell me what the " fishy business '' was and they did not call me to let me know that they were freezing my card. 
Later, they said if I could prove that no " fishy business '' had occurred with the card ; that they would " unfreeze '' it. 
I proved it and they still have not unfrozen my card. 
I have had my card on me this whole time. 
They hang up on me when I call about the situation and they put me on hold for over an hour at a time. 
SS does not affiliate with them. 
Thank you for your help. 

XXXX XXXX my Social Security, XXXX XXXX XXXX, and other federal benefits be safe? 
Yes, with the Direct Express card, your money is XXXX up to the maximum legal limit. In addition, the consumer protections required by Regulation E ( 12 CFR 1005 ) and XXXX XXXX XXXX ( exceptions may apply ), protects you against unauthorized use of your card. When promptly reported, this will apply to your debit card account. Finally, if your card is lost or stolen, it will be replaced upon request.
Product: Credit card or prepaid card

I have contacted citi bank in XX/XX/XXXX to initiate a dispute against the autobody shop. The body shop returned the car to me without providing any services and they never issued the refund for the amount they charged my Citi bank credit card. I tried to call them multiple times regarding my refund but they never answered my calls. So I decided to dispute the charge with my bank because the merchant never provided any services to me. On XX/XX/XXXX I received a mail from Citi bank which I have filled and signed as instructed. After that I have never received any communication from the bank. On XX/XX/XXXX I received a letter from Citi bank advising me that they REFUSE to intervene on my  behalf with the merchant and their bank and I would need to seek other means to resolve this dispute. 
This is shocking to me as bank did zero efforts and never contacted the merchant to help its customer in their dispute. I dont understand why the bank is refusing to file a chargeback with the merchant and request the merchant to provide documents and information for the amount they have charged. In this 2 month Citibank did nothing to help me to resolve this case and never contacted merchant or the merchants bank to find out for what their customer was charged for. I disputed the charge as the services never provided and citi bank never provided to me with any proof that the merchant provided any services to me. According to Fair Credit Billing Act and VISA and Mastercard regulations Citi bank is obligated to contact the merchant and their bank to receive a chargeback as the merchant never provided any services to me. Now Citi bank is not acting in good faith and is refusing to support their customer and refusing to follow their responabilities in this matter. I am going through this nightmare because citi bank does not want to do their job and contact the merchant to see for what reason my account is charged for XXXX  USD as the merchant provided no services to me. I have never received any other communication or help from citi bank besides the letter they sent to me on XX/XX/XXXX. 
I am attaching Fair Credit Billing Act to my complain too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : CHILD SUPPORT ACCOUNT NUMBER XXXX XXXX has violated my rights Account name : XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Bankruptcy Account number : XXXX has violated my rights 1

5 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Mortgage

I applied for assistance in saving my home from foreclosure. I hired an attorney who submitted my full complete financial information package to my lender Wells Fargo Home Mortgage on XXXX XXXX, XXXX. Wells Fargo refused to review me for assistance and since that date has refused to accept my application. Now they have filed a Notice of Default and I am in the process of being foreclosed. They have put my account with their re-entry team who said that there is no change in my circumstance and they will not officially review my application. I am told by my attorney that RESPA Regulation X requires my lender to review my full and complete financial application as long as it is received more than 37 days prior to a sale date. It was full and complete and no foreclosure was started at that date. My attorney asked Wells Fargo Home Mortgage for a denial letter stemming from my application submitted on XXXX XXXX, XXXX and they said there is no denial letter because there was no review. Today my attorney called Wells Fargo Home Mortgage and asked them what was the date of the last review done on my mortgage for assistance and they replied XXXX XXXX, XXXX. This is completely unfair and I believe illegal for Wells Fargo Home Mortgage to evade reviewing me for assistance. I was denied XX/XX/XXXX due to missing paperwork. ( See attached letter from last review ) My attorney worked very hard in XXXX XXXX to clear up all of that missing paperwork and Wells Fargo still simply refuses to actually review my case and issue me a finding like they did on XXXX XXXX, XXXX. My attorney states Wells Fargo is doing this because I now have some equity in my home and they simply want to foreclose me without giving me the chance to save my home. Wells Fargo Home Mortgage thinks they are above the law by creating the re-entry team who 's sole job is to evade reviewing home owners for assistance in saving their home. The re-entry team does not issue the 5 day letter confirming they have the financial application, they do not review it in the 30 days required by RESPA Reg X and they do not issue a decision. They simply verbally tell you they wo n't review the file. My attorney finally got Wells Fargo Home Mortgage to issue a letter stating this on XXXX XXXX, XXXX ( Attached ). However, other than that letter I have never recieved any correspondence from Wells Fargo Home Mortgage regaring my application which was submitted on XXXX/XXXX/XXXX and confirmed received by Wells Fargo Home Mortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my attorney spoke with Wells Fargo Home Mortgage and they verbally told them that they are refusing to review the application and no letters or findings will be issued in writing.
Product: Debt collection

This account was written off as a charged off. And I never received a 1099 c cancellation of debt form. And because of that this account is an accurate and has to be removed.
Product: Credit card

I received a debit card in the mail with a letter that said welcome to the Chime family. It had an activation code, a banking routing and account number listed. My name was listed as the account holder. I did not open an account with Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of rateGenius. I did not authorize rateGenius to pull my credit nor was there a formal application
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My medical bill is actually from federal workmens comp personal injury with XXXX XXXX

So the collector sued me and my husband but we never got the summon. I had to go down to clerk downtown and get copies of of declaration of service and funny they said we my husb and i accepted its XX/XX/2016 at XXXX XXXX.. a Monday.. well only the dogs are home at that time of day. also its my debt. For my personal injury. Why are they suing my husband. I have insurance with VA. And we also have his. I sign the paper that i will be responsible for the bill. Also, the same bill is Also being mitigated in superior court for XXXX.

It has been there for a while. So in the end the collectors will get 2 payments! They wont work with me either to pay it off.. and since i am XXXX XXXX XXXX cuz of my XXXX from the service. This XXXX started yelling at me and calling me rude and he said he will flag all my calls because i am just wasting their time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent the correct paperwork per the FCRA to fix my credit reports. The reporting agencies are not attaching these documents to my disputes and not filing the disputes properly per the FCRA. 

I am not getting copies of the verification process per the FCRA. 

These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Co
Product: Money transfer, virtual currency, or money service

COINBASE Authentication Failures : I have been unable to access my Coinbase account for nearly a month due to issues with their Two-Factor Authentication ( 2FA ) System. 

Prior to this, I had an active account for nearly two years and had no problems with conducting many transactions. Coinbase is now effectively holding my money, without authorization, and has provided no method for resolving the problem. 

I contacted Coinbase Customer Support on XX/XX/2018 and after 53 minutes on hold, I was connected to " XXXX ''. I was told that I had to use an automated system to reset my authentication. I explained many times why this could not work for me. I escalated to a Supervisor, " XXXX '', who after nearly 30 minutes of work agreed to escalate my issue in their queue. She provided no accountability, and all I have received so far is a copy of an internal e-mail that she sent to their escalation queue. I asked many times about how to contact them again to follow-up, as I was certain that this problem would not be resolved in a timely manner. I spent a total of 93 minutes on the phone, and was told that there was nothing else that they could do. It was clear that they expected me to give up on the issue entirely, though I refused to accept that as a " resolution ''. 

This problem is extremely widespread based on hundreds of posts online, and I have been informed that the current queue of lockout requests is in excess of 76,000 requests! I have no confidence that I will EVER be able to access my account, as this issue started nearly a month ago. I need the funds to cover expenses and consider this extremely urgent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX numerous times by mail to let them know that there was an inaccurate debt collection account on my credit file. I sent letters out on XX/XX/23 and XX/XX/23. 

They refuse to acknowledge my complaint with any correspondence or communication. 

The inaccurate collections account are fromXXXX XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX XXXX  Account Number XXXX. 

Please remove these accounts from my credit report they are not mine and inaccurately bring reported. Which is causing me harm while I'm currently trying to purchase a house.
Product: Debt collection

On several occasions I have tried to signed into PORTFOLIO RECOVERY ASSOCIATES , LLC. I have called and is given the run around and asked a lot of questions on how I am trying to login. On the website it looks quite easy, until you fill your info in, then you are rejected. I have never seen my acct. on the website due to the problem of logging in!! This is a debt I owed to a credit card and have paid consistanly and am about to pay it off. 
The XXXX of every month {$150.00} is taken from my acct. 
I would like to see the website WITH my acct.on it, saying what is going on with it.And am now concerned, if I pay it off. What will be the next thing ie. I want the poaperwork showing everything. And also this was given to be via sheriff dept. and I got right on it. Though I am concerned as to what will happened when payed off, when I can't even get into the website!
Product: Credit card or prepaid card

On XX/XX/XXXX I called Comenity Bank customer service, to explain that I've been having difficult situation, asking for a payment plan, the representative at any moment told me that my account was closed, back in XXXX ( which I didnt know ) she just said " I will transfer with a department can help, they transferred me, and answer a guy named " XXXX '', at any moment he identified as a collection company, he right away asked for a payment, he not even mentioned or stated the collector statement " he was attempting to collect a debt .... '', I explained my situation and he all the time was pretending be a bank representative, he told me to pay {$340.00} and he promising to waived all my late fees which was {$100.00}. and then my credit card would be in good standing. I accepted and made the payment, and not even at the end he mentioned that was a collection company. I called back next day ( XX/XX/XXXX ) to make sure if {$100.00} wasn't credited on my account ; obviously, same thing happen, customer services transfer me to " department can help '' without mentioned that they were transferring me to a collection department, I spoke to rep. named " XXXX '' and she transferred me to " XXXX '' and finally they transferred me to supervisor named " XXXX '', none of them identified themselves as collection company representatives, of course without mention the statement of intent to collect a debt. I found out that something wasn't right, and after several question from me they told me that they wasn't the bank, that they were a collection company, I was peace off, why lie to me just to collect a payment, I told XXXX that I was going to cancel the {$340.00} dollars on my bank, which I did it, immediately after hang out with them. it is an unethical practice use a collection company that lie just to get payment from customer, without follow the proper protocol collection companies must have. Also ; Im still receiving regular monthly statements, on paper and by email, the last one was received on XX/XX/XXXX ; ( attached on documentation ) with NO information that my account its been canceled and transferred to a collection company.
Product: Debt collection

Navy FederaXXXX XXXX took 80 % of my paycheck without court order leaving me with XXXX $ to pay rent. this happened on XX/XX/2023. I called to try to get the amount taken at least reduced and I was told to " be happy they didn't take it all. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XX/XX/2021 my account was being fraudulently charged via debit card nightly for a rental car from XXXX. I never rented a car from XXXX. I tried to resolve this matter with XXXX first. They told me I would have to contact my bank to get them to stop the charges. 

On XX/XX/2021 I called Navy federal credit union to explain the charge nightly to our debit card was unauthorized and asked them to stop the charges from coming thru as it was leaving us unable to keep money in our account for fear of it being debited fraudulently. 
After about 45 minutes on the phone, they ordered a new debit card told us it would be in the mail within a week. 

We thought the issue was resolved until we activated the new card a week later. Then we started receiving these declined transaction notifications every night again. 

We called the bank again as well as contacted XXXX in attempts to resolve this all the while unable to keep money in our account. Having to immediately withdraw any money being direct deposited into the account as the process to change direct deposits would have taken weeks and without pay during that time. 

On XX/XX/XXXX we had a successful debit of {$2800.00} come out of our account leaving our balance at - {$2400.00}. ( {$400.00} had just been direct deposited the same night and we hadn't had a chance to move it yet ) We called the bank again and they told us they would investigate it and in the meantime credited back the money. 

They then reversed the credit on XX/XX/2021 siding with XXXX originally. 

After escalating to the correct person we had the investigation reopened and on XX/XX/2021 they sent is a final determination letter letting us know they would not be reversing the newly paid credit and they were siding with us. 

Since that was resolved we have contacted the bank on 3 occasions to discuss the {$750.00} in returned item fees we were charged and paid during the period of XX/XX/2021 and XX/XX/2021. These fees only arose from their lack of action on our fraudulent transaction claim. 

The bank has since credit our account {$170.00} of the {$750.00} that were charged to us after we requested they stop authorizing these nightly charges. They refuse to take responsibility for their lack of action on XX/XX/2021 to protect our funds.