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

So I have been trying to get a replacement card since XX/XX/2021 after changing my address they put a restriction i was told to submit documents for verification online I had to upload front and back of License and a selfie. Every time i call they tell me theres no update try submitting the information again so i do it again they give me the same response literally two weeks straight mon-Friday Im calling, so they give me a fax number i faxed information in they said they have not received it so I faxed info again then when I called to check the update I was told they do not accept fax from the supervisor. So I keep get different information from different supervisors. they gave me the mailing address and told me send license, SSC and proof of change of address so i expressed ship the information with a tracking number and still have not heard any information back after it said it was delivered to there company and I keep calling to speak to supervisor they telling me same information that customer service is telling me and i asked would they be able send a note to there offline team to check into the documents submitted and they say we cant communicate with them they just put notes in try submitting documents again which I keep doing and Im telling them. I keep submitting documents and u.s bank relia card dont have no updates its just stressful I been going through this everyday calling, sending info been over a month and theres no way i can send my information to them directly through email so I know they received it. Can you please help i been hearing other people are having the same problems I have {$7000.00} on my relia card. I have been sending documents in everyday and was told just keep calling back we are open 24/7. i ask is there another way y'all can view my documents is there a email or some type way i can use ID.me video call? They say no im sorry all I can tell you do is submit the documents again. The Company is I have submitted documents over 10 times Online, 4 different times faxed and 1 time through the mail.
Product: Payday loan, title loan, or personal loan

Last month in XXXX, I was searching for an installment payday loan. I was in contact with a company in XXXX, Ca., I needed to submit additional information, but I was at work and unable to send them the information. The next day, I discovered the money I was asking for in my bank account. I presumed it came from the company in XXXX, it was not. It was from a different company. They just put the {$1000.00} into my account. With that said, I did need the money, so I went on about my way. A month later, I decided to pay off the loan, only to discover I was RENTING the {$1000.00} for {$300.00} every two weeks. When I called the company and told them my story, they did not believe me. I do not remember agreeing to this account or the way payment was to be collected. I spoke to a man and he said, " You did not read your contract ''. When I continued to come to an agreement, he said I was threatening him, so I disconnected the call. I was told by a friend that their loaning process is illegal. I feel I was trapped because no one spoke to me over the phone nor did they have me sign a contract. Please assist me in this matter. This " company '' has already received {$600.00} on a {$1000.00} loan. I also believe this company got my information online and just acted. The company in XXXX actually had a live person to speak, whom I thought this loan came from. Thank you
Product: Credit reporting

This company has removed and reinserted previously deleted information. For several years, I have been monitoring my report. I noticed that this collection account was removed and told that it was due to problems with the previous managing company of the apartment complex. Several years later, the account was added back to my report. In XXXX XXXX, I did not have any collection accounts on my credit report. In XXXX XXXX, this company decided that after 6 years they would reinsert this alleged debt and substantially ruin my credit rating. I called to inquire about the debt and was told that during the 5 years, there were 2 attempts to call me and both times they did not speak with anyone. The two attempts to contact me was 5 years ago as this debt was opened in XXXX. During the initial conversation, I told the representative that this had been removed and added back to my report. I asked her to tell me the first removal date, and after a short pause, she placed me on a brief hold. After returning to the phone, she insisted that she " did know '' when or why it was removed, but that it was added back in XXXX XXXX as a new collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is one of the account that I report as identity theft. I have attach a police report to this ..please delete this account. If not I will be force to sue all credit reporting agency... 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account XXXX XXXX
Product: Debt collection

I have received a letter from Zwicker & Associates stating that I owe for an account that does not belong to me for {$5900.00}. This account does not belong to me. This is the second company trying to collect for this account but this time it is for a different amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an XXXX XXXX  # XXXX on our credit reports that one was closed and paid in XXXX of XXXX and two, is reporting twice on our credit reports! This duplicate reporting is also showing we were 60 days late within the past 12 months ( XX/XX/XXXX )! Again, we sold this home and paid off this mortgage in XX/XX/XXXX! This is now keeping us from using our VA benefits and purchasing a new home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( credit card {$20000.00} account & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$2000.00}. Please remove for they have 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 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: Credit card

SEE ATTACHED!! CapitalOne notoriously reporting high balance on cards I pay off every month also the programs I am in I supposed to get credit increases CapitaOne and my situation I had to open three lines of credit to get to the threshHold I need to be in {$3000.00} Capital has extended three lines of credit to me knowing the way the credit world math to monopolize the industry and me I have talked till I am blue in the face with them and my hands are tied not only as you see make plenty of money I retired Vet and think and hart wrenching that they treat a third XXXX or a middle XXXX more respectiviley and grant these individuals more lines of credit then a person AMERICAN that sweated his ass off and put my life on the line for a safer Country WHATS WRONG WITH MY PAYMENTS THERE ON TIME AND BALLANCE PAID EVERY MONTH CONSISTASNTLY May I Please Receive My XXXX  XXXX And Take Them High Carryovers to be incorrect
Product: Student loan

I applied for a parent plus loan to help my daughter who was going to college at   XXXX   XXXX   XXXX   in   XXXX   XXXX  , SD. I have had student loans myself so the paperwork and application process was not new to me. I also work in the financial industry and actually processed student loans as part of my banker/manager position. My daughter went to school the  XXXX  of  XXXX . She chose to take a break from school in  XXXX  of  XXXX . I contacted Navient to discuss options for the repayment plan for the loan. We were denied deferment or forbearance and was charged capitalized interest right away on  XX/XX/XXXX  for {$1000.00}. Payments began the following month on  XX/XX/XXXX and each month thereafter. So I 'm paying the capitalized interest of over {$1000.00} and also interest compounded on top of that. Something is wrong here! I am attaching the history of our payments, breakdown of interest, capitalized interest and what has been applied to principal. Please let us know if this is legal.
Thank you.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/XXXX 60 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Mortgage

In 2004 I took out a home loan with XXXX XXXX for {$310000.00}. It was given a XXXX number : XXXX with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX attn. of XXXX XXXX of the XXXX  XXXX XXXX XXXX , XXXX and ATTN : XXXX XXXX, CEO. According to XXXX  the alleged note was indorsed and transferred to XXXX, XXXX, XXXX, XXXX XXXX, and now CALIBER for servicing. The NOTE was transferred to XXXX XXXX under the US Government HAMP Program. It remains with XXXX XXXX and has not been indorsed over to any other lender. I have requested a copy of the original note from Caliber many times per Section 6 of RESPA and they have failed to provide it. I get the impression that this is all fraud and would like for the CFPB, the Attorney Generals involved, and the FBI to investigate and audit my account as soon as possible.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, our company XXXX XXXX sent 6 payments for electronic components to XXXX XXXX XXXX, XXXX CITIBANK N.A. 
XXXX XXXX blocked these transfers in accordance with U.S. sanctions. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX ( XXXX ) issued 5 licenses to perform the following actions : XXXX carefully reviewed the information provided and otherwise available to it in connection with this transfer and concluded that Citibank is authorized to return funds to the sender in an unblocked manner. a financial institution where the sender can confirm that they have an account. 
We have contacted Citibank at XXXX and we sent XXXX XXXX licenses, 5 payment orders, as well as our bank details for a refund. 
We have received an answer : Thank you for your email. 
Please note that you have subscribed to Citibank XXXX XXXX ( XXXX ). ( XXXX ) is not involved in this case. 
We have forwarded your request to the appropriate department and will no longer be able to provide any assistance from this mailbox. 

After that, no one contacted us. We don't know where to turn next. We don't understand why they don't answer us. 
We ask for your cooperation and assistance in making the payment.
Product: Credit reporting, credit repair services, 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. 

XXXX/DOFED Account Number XXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXXXXXX XXXX  Account 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 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: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I have been victim of an online breach of information. In result my identity has been stolen, there is incorrect debt being reported in my name, as well banks fraud in name now I am not able to open a bank accounts! for some reason with any large banks because their something reporting that is coming back causing me to get denied. as well as incorrect debt reported on my taxes. It has also affected me being able to file taxes. I was informed that I received XXXX on XXXX XXXX  when I tried to file one on my previous years and I have to pay taxes on money that I have never received or used for XXXX XXXX. Which I am now also banned from using by the way for some reason due to data breach criminals was able to get my information use it to open accounts, scam through XXXX XXXX now reporting Ive made money Ive never seen and more. that was not me so I am writing you guys know that My information was exposed in a date breach and you have to remove this immediately dont turn my dispute into a XXXX day dispute under section XXXX B. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the investigation of several inaccuracies and fraudulent activities on my credit report obtained from your bureau. After careful review of my credit report, I have identified the following discrepancies that require your immediate attention and resolution : 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 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 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 
The personal information listed here are inaccurate and seems does not belongs to me. I dispute the accuracy of the collection accounts listed above. I have no knowledge of these accounts, and I have not been contacted by any collection agency regarding this alleged debt. I request a thorough investigation into the validity of this debt and ask that it be removed from my credit report if found to be inaccurate. I have not authorized or initiated any credit applications with the companies or institutions mentioned above. These inquiries are fraudulent and unauthorized. I request that they be promptly removed from my credit report to prevent any further damage to my creditworthiness. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours ensure the accuracy of the information they report. Therefore, I kindly request that you promptly investigate these disputed items and make the necessary corrections to ensure the accuracy of my credit report. Enclosed, please find copies of supporting documents, such as identification documents and Proof of Address attached on my letter to assist in your investigation. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report once the removal have been made.
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 venerable 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 ( AFTA ) and regulation E. theses actions have caused significant inconvenience and financial loss and i see apprpriate redress for these violations
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my 2factor stopped working and it was trying to send a sms number to a phone number that does not belong. I called to suspend my account and they did. But little did I know that their support does not respond to tickets. I've read many posts where people have been trying to get their accounts back for months. It's like they are robbing people blind. I'm worried, I'll have the same issues. I've put in 5 tickets, I've emailed over and over asking for a status and I get automated replies like this one today. They do t get back to you in 4-5 days. I want to get my money out and close my account with them. Here are a few emails. I have more with the same jargon. 

From : Coinbase Support XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX  To : Subject : [ Reply ] Case # XXXX - hack Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref There help center is no help for those who are locked out From : Coinbase Support <help@coinbase.com> Sent : Friday, XX/XX/XXXX XXXX XXXX  Subject : Case # XXXX - Account Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. 

In the meantime, you can find answers to many of your questions by visiting our Help Center. 

Regards, Coinbase Support ref : XXXX : ref XXXX Coinbase www.coinbase.com | Help Center | User Agreement and Privacy Policy Sent : Friday, XX/XX/XXXX XXXX XXXX  To : Coinbase Support <help@coinbase.com> Subject : Re : [ Reply ] Case # XXXX - Hacked By chance is there an update regarding my account and when I can get back in to assess damages myself, if any? 

Thanks, XXXX From : XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : Coinbase Support <help@coinbase.com> Subject : Re : [ Reply ] Case # XXXX - Hacked Thank you From : Coinbase Support <help@coinbase.com> Sent : Monday, XX/XX/XXXX XXXX XXXX  Subject : [ Reply ] Case # XXXX - Hacked Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Kind regards, Coinbase Support ref : XXXX : ref
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, TransUnion XXXX XXXX and XXXX  XXXX XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.
Product: Debt collection

This number calls all times of the day. I answer and they tell me I owe them money unable to tell me what for. I ask them not to call back and they continue to do so. I have never heard of this company until they showed up on my credit report and started calling me.
Product: Checking or savings account

When I first arrived in the United States, the only bank where I could open cards for regular use was Bank of America. I also opened a so-called secured credit card with them and made a deposit of {$200.00}. Six months later, I tried several attempts to increase the credit limit, but the bank refused every time. The only successful attempt was to increase the credit limit by {$100.00}. In total, my credit limit was {$300.00}. Over the past six months, I began to actively use a credit card and made all payments on time. I was not satisfied with such a small credit limit, I applied in every possible way for an increase at my own expense, offering to write off a large amount from my Bank of America current account to increase the limit. I wanted to at least increase the limit to XXXX dollars. Even if I spent the entire limit on my credit card, I actually replenished the card balance within 1-2 days. As a result, one day I simply received a notification in XXXXXXXX XXXX that the card no longer worked. ( This was somewhere at the end of XX/XX/2024 ) On the same day I called the bank, to which no one could give me an answer. They told me to wait for the paper in the mail. I also went to XXXX or XXXX bank branches to find out the reason why my account was closed, where not a single specialist could give me an answer, although they called the credit department in front of me, where the employee also could not explain the reason. Everyone referred to the fact that I should receive a letter by mail indicating the reason for the closure. I waited about two weeks for this letter with a reason, upon receipt of it I still did not receive the exact reason for closing my account. ( Verbatim according to the banks policy ) Without proper notice, without really indicating the reason, they simply closed the account. After that, my credit rating collapsed. I really cant use any services due to my low credit rating. How can you do this to a person, for my own money ( my deposit ), they ruined my credit rating.