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

Hello, Chase closed all my credit card accounts both personal and my 1 business card. When I called them after have my card declined, they said your account is closed when I asked why they said they cant see anything further and they will transfer me to a supervisor who may be able to help. The supervisor got on the phone, after explaining the reason of my call, she pulled up my account and said chase doesnt take closing customer accounts lightly, youll receive a letter in the mail in the next 10 business days describing why your accounts where closed. I asked if she can tell me over the phone, she said she doesnt have that information and it will be provided in the letter. I got the letter for my personal cards, and the letter said my accounts were closed due to unexpected activity. This response left me puzzled. Ive been a loyal chase customer since Id say 2012 or so, never had a late payment, never missed any due dates and used chase as my primary credit card. After I received this letter I called 3 different times to see if I can appeal this decision and each time I callIed they told me my information was no longer in the system and they couldnt not pull up my account. Not to mention, the closed my one business card as well 3 weeks later. For this card, there was no letter, no explanation, no nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act XXXX account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Dispute with my bank has been past XXXX business days & I have not received credit to my account
Product: Money transfer, virtual currency, or money service

I am 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.
Product: Credit reporting or other personal consumer reports

I was using a third party to pay my debts the 3rd party made a settlement agreement with the company and the payments were paid as agreed. The last payment was made in XXXX of 2019. It has been reported late and owing ever since. The third party Debt settlement company has for the payment completion letter, they have ignored the request. This has caused harm to my credit report. Each time I dispute it and then they state the info is incorrect it tanks my credit anywhere between XXXX points. I have had credit taken away when the last dispute came back as the information was correct.
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, right to privacy and confidentiality 15 usc 1681 XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED XXXX DATE CLOSED XXXX DATE REPORTED XXXX XXXX XXXX XXXX 115 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 instruction 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 be 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: Money transfer, virtual currency, or money service

My Coinbase account was hacked on XX/XX/XXXX and alt coins were converted to bitcoin, I immediately attempted to freeze my account. Coinbase sent me a form letter email indicating which steps to take to re-instate my account. The Coinbase processes prevented me from completing those steps to even see what funds were stolen or if in fact they were moved out of my account. Coinbase sent another form letter email stating their customer service was escalating the issue to a specialist. Days later, coinbase did not respond. Again I contacted customer service, and received another form letter stating someone would get back to me in 4 to 5 days. On XX/XX/XXXX, I submitted a complaint within coinbase regarding their customer service and that form letter response said they would be in contact within 15 days. To date, I have not received any assistance from Coinbase. I can not get into my account or determine what funds have been stolen. Its been 33 days. I had 0.3 bitcoin, 7 or 8 alt coins, all totaling roughly $ XXXX $ XXXX at the time. 

This is business malpractice. There are no email addresses, no phone numbers to call, and I'm begging for your help.
Product: Credit card or prepaid card

I wanted to create a credit card ( prepaid / debit ) from crypto.com and they have this process where you have to stake their own cryptocurrency for a period of 6 months. Since that period is somewhat long, I wanted to make sure that I will receive the card so that at least my staking is worth it. 

I live in XXXX XXXX and I wanted to make sure that crypto.com supports XXXX XXXX and I will receive my card. So I spoke to the customer support via live chat and asked them the exact same question that if I will be able to receive my card in XXXX XXXX or not. 

I was told by the customer support team that I will in fact be able to get my card and that XXXX XXXX is supported. Based on that I went ahead and staked {$400.00} worth of their crypto currency to apply for the card. 

Upon completing the staking process, I got a message saying " Thank you for your interest and support. We are working hard to bring Crypto.com XXXX XXXX to your market. We will notify you when there is a status update. '' So I contacted the customer service again where I was told that XXXX XXXX is not supported and they were sorry for the misinformation from their team member. 

When I asked them to unstake my amount and refund me the money, I was told that its not possible and I will be only able to get that after the 6 months staking period. 

I don't understand why when I asked I was lied to, then why can't I receive my money back when the company can't deliver on what they promised ( even after taking their confirmation before proceeding ) Upon searching online, I found out that there are many poor people who are stuck in my exact position with some even paying {$40000.00} ( based on card tiers, from {$400.00} - XXXX ) I have attached the screenshots of the chat history as evidence for this complaint.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am seeking professional assistance either from TransUnion or from Consumer Financial Protection Bureau as relating to a credit inquiry which I do not recognize and I assert I hadn't consented to. I filed a credit dispute by postal mail on two occasions, both times TransUnion failed to acknowledge my statement nor do anything about it with specificity. TransUnion sent me a reply by mail to indicate that a credit inquiry may be voided in circumstances as to opening an account fraudulently ( does not apply here ) or in circumstances where TransUnion receives a claim from the aggrieved person that the inquiry is not related to me. I have said several times that this inquiry does not relate to my giving consent nor of pursuing a loan from XXXX. Additionally documentary evidence is settled fact that I am aggrieved person because my personal information has been compromised due to data breaches which are out of my control. In XXXX I suffered from an attempt to compromise my person credit reporting information. In XXXX I suffered from two more attempts to compromise my person credit reporting information. I have no reason to contact XXXX directly because no actual account has been opened therefore this responsibility remains at TransUnion for them to act like a human being to acknowledge my statement I did not give consent to apply for XXXX loans. Thank you.
Product: Checking or savings account

My credit card was stolen and I filed a dispute on a transaction that was placed by someone who stole my card the store that my stolen card was used at had been XXXX, I contacted them they helped as much as they could because I had to eventually file a dispute with my card company. So I did I filed it twice and both times were denied and no one can give me reasoning on the decision of the dispute either times. They have stolen money from me numerous of times I can prove it. There even charging me {$36.00} a month for subscription which was an hidden fee didnt know it would take {$36.00} from my stimulus check that I received from President Donald Trump.  Please help!
Product: Debt collection

I recently pulled a copy of my credit report and noticed two medical collections accounts being reported from Wakefield so I send them a letter certified. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY
Product: Payday loan, title loan, or personal loan

XXXX/alliance Data, continues to wrongfully report the loan to be a charge off, initially it was reporting as a charge off with an unpaid balance, I contacted them with the XXXX  and mentioned to them that this is not a charge and there is no balance due on this loan account, to which they went ahead and updated the loan as paid but still left it with a remark as a charge off to which is infringe on my credit report negatively when this loans was fully paid satisfactory and should be reported. As such or and fully and dully remove. This wrongful reporting is severely affecting my ability to obtain a house mortgage. I will attach proof of what it was and how it was change and how it's reporting today.
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 Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Checking or savings account

Ive been trying to help apply for XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX and they just restricted my account I asked for the requirement I know what I need to
Product: Mortgage

We have a balloon mortgage with BMO. The mortgage was due in full XX/XX/XXXX. We have made a good faith effort to refinance our property and pay off the loan. We have been denied this opportunity by BMO as we applied for a mortgage to refinance the balloon mortgage with BMO and not only never completed the transaction, we were never notified either of the status of the loan, the appraised value, and whether or not we were approved for the mortgage. When we had no success with BMO, we applied for a mortgage and were approved, but then BMO foreclosed on us and we could not refinance. 

Here is a timeline in our attempt to refinance with BMO : XX/XX/XXXX- Met with XXXX with BMO Harris . XXXX told us what was needed to refinance. 

XX/XX/XXXX- Met with BMO XXXX employee, they referred us to have a realtor come out to the house to appraise it. Not sure why they had a real estate agent come to our property rather than running an automated appraisal. 

XX/XX/XXXX-XXXX came out to our property. 

XX/XX/XXXX- Sent the refinance financials and application papers to BMO XX/XX/XXXX- Received a letter of Approval, still needing information Approx. XX/XX/XXXX-XX/XX/XXXX-house of appraised twice. The appraisal was never sent to us. Not sure why it took months to get an appraisal done. 

XX/XX/XXXX-Received letter from a XXXX at BMO needing some additional information to get to the loan approved, we sent this on XX/XX/XXXX. 

XX/XX/XXXX-We attempted to make a payment on our current loan but BMO denied our mortgage payment and would not accept the funds when we went to the bank to pay. When I went to the bank, they told us to call another person named XXXX XXXX. We faxed the paperwork to XXXX at BMO. XXXX said not to worry about paying the mortgage right now, it will all be settled in the new loan and that it will be included in our new payment. Since that time, we have heard nothing about our loan with BMO and never received a rejection or a clear to close on the loan. 

XX/XX/XXXX-Since we could not refinance, we XXXX XXXX XXXX XXXX since BMO did not make a decision. XXXX was in the process of funding a loan on my parents ' ( XXXX and XXXX XXXX ) house to pay off the BMO balloon mortgage when BMO served us with foreclosure papers. This makes it impossible to refinance. 

BMO has clearly violated a host of lending requirements and has impeded our good faith effort to
Product: Credit card or prepaid card

This account has been in dispute since the day it was placed into negative status and eventually into collection and subsequently sold to a third-party collection agency. As with millions of other Americans, when the plandemic hit our country in early 2020, I entered the ranks of the unemployed. I applied for every available avenue of unemployment but was denied every single time. Therefore, I had zero income and was forced to rely on any savings I managed to accumulate. 
During the time of my financial struggle, I was in constant contact with this credit card issuer advising them of such. I continued to make small payments although those did not even amount to the required minimum on the debt. To make matters worse, this shady credit card issuer, Citibank, took my existing balance and although my credit limit was very much higher than my balance, my limit was lowered to far under my existing balance causing the card to appear as if I was over limit, which I was not. This is a very unscrupulous, shady and consumer fraudulent tactic to enble credit card issuers to sell cards off for a loss. This is what I am filing a lawsuit and complaint with the FTC for against this institution.I am looking for this credit card debt to be dismissed as I was denied the time I requested to make payments and then eventually pay it off. As you can see by pulling my credit report, my credit prior to this isolated incident was perfect. That they used an underhanded tactic to claim credit card customers were over their limit when in fact they were not, should be grounds for severe penalties and sanctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on an automobile loan account under anopen and consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal Credit union has been reporting for almost 2 years the following account : XXXX, {$500.00} credit limit, {$270.00} Delinquent Balance, open XX/XX/2013. I'm listed as an authorize user, on my XXXX  Credit report. It has been verified as my account for about a year, when I finally contacted Navy fcu, on XX/XX/XXXX, and spoke to XXXX. The had difficulty locating the account ( I do not have any open accounts ), and ask me quite a bit of my personal information which I didn't feel comfortable giving. They informed me its not my account, I'm listed as authorize user, and that I had to submit a fraud Claim with them to get it remove from XXXX. XXXX informed me they would contact me after they complete a 90 day investigation. No correspondence whatsoever, and they continue to verify it when I dispute it. Even worse in XX/XX/XXXX or XX/XX/XXXX of this year, they made the late payment history more extensive, by literally adding an extra year of late payments which cause my score to drop a 100 points. They are directly responsible for me not being able to use my credit, and only getting approved for {$1000.00} limit credit card. This is abuse of reporting at its finest, and worst of all XXXX  constantly refused to delete this item, even when I clearly showed them it was not mine and what they did.
Product: Mortgage

Carrington mortgage is forcing me to use fee-based ways to send them my monthly mortgage payment. They are refusing to accept my payment by check. If I send them a check they send it back to me uncashed saying I must pay only by using certified funds. They have blocked me from paying online and their representatives refuse to allow me to pay over the phone. I have been told by one representative you are on punishment for 6 months or until we feel that we can trust you again. The punishment they refer to is forcing me to pay fees through XXXX XXXX or XXXX XXXX to pay my mortgage. 

The amounts I have to pay are different depending on where I look. When calling on the phone it has been XXXX, on the XXXX XXXXXXXX, on the mailed statement XXXX, when speaking to a representative XXXX ; the actual contractual payment is XXXX. I have had to stop a payment in the recent past because of finding out they had added fees and I would be short by paying the contractual amount thereby putting payments in suspense mode refusing to apply it to the mortgage and saying I am late paying my mortgage. On my last statement for the XX/XX/XXXX payment they added NSF fees ( 3 ) as well as a late fee from XX/XX/2023. 

They also send advance notice of late fee letters before any payment is due. On there they tell you you can pay by phone, check thru mail or on their website but then block you from being able to do that. 

There is document evidence of all of this attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.
Product: Checking or savings account

{$3000.00} was fraudulently withdrawn from my Comerica bank account using a withdrawal slip from its branch in XXXX on XX/XX/XXXX. 
We found out on XX/XX/XXXX, ( this is an auto payment in and auto payment out type of account, we do not monitor it daily/weekly ) called Comerica branch immediately. 
They called back on XX/XX/XXXX and gave us 800 number to call. Called that number, and it was their fraud investigation department. They emailed an affidavit form. I filled it out and emailed them back on same morning. 
Last night I received a letter from Comerica bank that says I did not report it within 30 days hence " I waive right to contest payment of any item '', no refund will be given. 
I am amazed, that much of an amount can be withdrawn using a withdrawal slip ( withdrawal slips are available in bank lobbies to anybody ), and bank issues payment without checking ID of the withdrawer.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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.