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

I have been receiving unemployment from Texas XXXX XXXX through a reliacard account since XXXX. I haven't had any problems aside from one instance of unauthorized charges which was resolved without issue. A few weeks ago, I lost my card and requested a new one. I had this new card sent to my home address, where previously I had used my PO box . I got the card, but when I went to activate it, I ran into problems. The system kept telling me my info was incorrect. I called customer service and they informed me my account was locked because if the change of address, and they needed me to send in photos of my license, social security card, and proof of address to unlock my account. About 3 weeks ago, I faxed in all the requested documents. I waited 5 days and ... nothing. So I faxed again. 5 days later ... nothing. I called in and they claim they have not received any documents from me. Now i do a little research and find out this is suddenly a VERY common issue with them and ppl are reporting being given the run around and having their benefits kept from them for WEEKS. I can not do this. As it is now, 6 weeks of benefits have already built up in my account and I can't access them. Seems you guys are the key, so im trying to get a jump on things before I wind up on the street. I understand their position but they are IMPOSSIBLE to get through to & I desperately need access to my money. Its so frustrating to call in and hear you have a {$1200.00} balance and have the card but can not use it. Please help. I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all 2020. 

The 1st done on XX/XX/2020 is from XXXX? 
2nd XXXX XX/XX/2020 3rd XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.
Product: Credit reporting or other personal consumer reports

Delete old address from my reports and all remarks from my credit profile
Product: Credit card or prepaid card

I had a trip to XXXX XXXX for vacation with my wife. We sat outside a XXXX XXXX  and had a few drinks. We had our card on file as we had to do that to have an open tab. We left the XXXX  and the next day noticed charges that were not ours but from some random group that was sitting next to us. The merchant charged us for their drinks. We disputed the charge multiple times and were told it was a legitimate charge and it was denied. I asked it to be reconsidered multiple times which I had to write a letter and fax it in as the would not do any reconsideration over the phone or email. I believe this is a tactic to cause so much time and frustration most people drop it. I asked Chase more than 10 times now for evidence that I signed for transaction but they will not provide it. I have asked Chase more than 10 times for arbitration as the contract says I have to arbitrate it. I reviewed this with a lawyer and he says I could file small claims or a direct arbitration but both of which are multiple times more than the dispute. I have found multiple articles about this fraud on our local XXXX news that Chase did the same thing to many others. I want to join a class action or other ability to get Chase to stop denying these legitimate claims and uphold their contract which they are in breach. Please help. 
Chase dispute claim # XXXX XX/XX/22 XXXX XXXX XXXX XXXX {$170.00}
Product: Checking or savings account

On XX/XX/2022 an unauthorize XXXX transfer to an unknown person of {$500.00} from my checking account. I immediately went to the Chase bank and asked to stop the transaction. Unfortunately they weren't able to, and they freezed my account at the moment. The banker told me it will be refunded to me after they done investigation. However, when I called the customer service, they told me that there were no fraudulent activities shown on my account, and they refused to provide me further information. This is not fair for a value customer of the bank. They should refund me the unauthorized transaction of {$500.00} as this is fraudulent activities.
Product: Money transfer, virtual currency, or money service

Hello Sir/Mam I would like to bring your attention to an issue I have with Coinbase payments that first took place on the XXXX of XXXX 2021. I have been victimized by a multilayered scam operation. The funds were transferred utilizing Coinbase 's services in the total amount of over 10,300 euros. I would also like to point out that on the XXXX of XXXX 2021. I filed a dispute with Coinbase. They did not alert me to a potential scam or fraud, exhibiting that there was no issue with the recipient hence, Coinbase went ahead - and transferred the funds. Knowing that all the checks and confirmations are taking place before every transaction is being carried, these seems to be simply non efficient at all. If Coinbase would have performed a simple online search on scammers, they would have seen all the warnings, bad reviews, and alerts. Due to the fact that there are growing strong warnings against scammers and cybercrimes worldwide, I believe that Coinbase failed with their duty of care at this stage. I expect Coinbase to take full responsibility for my lost funds.
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, 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. 

I've asked for the companies to investigate the information and have received no response.
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 violat the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent address fraud on their platform, leaving account vulnerable and unprotected.

Furthermore, their dispute resolution pro was unfair and deceptive, as they did no comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences, a financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

This is about a previous complaint to the bureau. I was told that I would have to refile, because the AMEX, went back on their resolution promise. That complaint number, is XXXX. This was about a dispute, that was mishandled by AMEX. After telling you, that they had resolved this, they AMEX undid what they did. They took back, Most of the credit given. They gave the merchant, numerous and too many chances, to defend this. As previously stated in the prior complaint, AMEX had to resolve this in 20 days, not 30, because in this case, they are the bank, and the card issuer. After many extensions, disregarding my rights, and not crediting this account, I filed the previous complaint. They credited {$1500.00}. They charged back the {$1500.00}, and issued a credit of {$260.00}. This is a difference, of {$1300.00}. This is not right. They are stating that because the merchant finally responded, with some sort of excuse. The merchant was out of time, and AMEX knew this, but they went ahead and dis-regarded the credit laws, and my rights. Therefore, since AMEX has done this, I want for you to order them to first stand by what they promised you, that they did, meaning credit the full amount, and because they have blatantly disregarded what is right and fair, I want {$10000.00} in monetary compensation paid to me, in addition to the proper crediting of this account. Our ( mine and the primary cardholder ) credit scores, haven been negatively affected by their actions, because the account is over the credit line. I even reached out to the CEO of this company, and he had a corporate associate reach out to me, and all she did was argue the point. She was rude, and argumentative. I have checked and this company has thousands of complaints filed against them, on numerous government websites. It is a disgrace.. Something must be done about them. I am asking for you, the government, to insist on what is right and fair.
Product: Credit card

Capital One has associated my phone number with someone else 's delinquent account. They are calling me every XXXX hours and will not remove my number from the other persons account.
Product: Vehicle loan or lease

I opened an auto lo an wit h BBVA Compass Bank i n  XX/XX/XXXX of this  year. My first payment of {$770.00} was applied without issue.  <P/> However, my payment due o n  XX/XX/XXXX  ne ver cleared the  BBVA backen d and the loan went unpaid. On   XX/XX/XXXX ,  BBVA assessed a {$38.00} late fee on the account. After numerous phone calls and online messages, I approached  a manager at a BBVA B ranch office in  XXXX , AZ. I was informed that the payment processing system was " experiencing technical difficulties '' and that is why my payment did not clear. I resubmitted my payment at th e Branch teller window via debit for {$770.00} which posted to my account within 24 hours. I was also informed th at the {$38.00} fee would be reversed.  <P/>  On XX/XX/XXXX , I scheduled my payment ( {$770.00} ) t hrough my online account. As of   XX/XX/XXXX  a t  XXXX  Arizona local time, that payment has yet to be posted to my checking account at  XXXX , no record of the payment exists on    XXXX   XXXX    end. Also, as of the same date and time, the {$38.00} fee has still yet to be reversed.  <P/> I am concerned that  BBVA 's r epeated inability to process payments in a timely fashion ( if at all ) will result in negative reports being published to my credit report, and my account falling into a delinquent status ( neither of which I have EVER had happen ). This would tarnish an impeccable credit report over an issue that is out of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXXBalance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXXXXXX XXXX XXXXXXXX XXXXBalance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I C SYSTEM is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reports shows I lived at an address I never lived at and was reported on XX/XX/XXXX by ACS/XXXX  XXXX XXXX and/or creditor it was sold to-XXXX XXXX XXXX on XX/XX/XXXX. 
ACS/XXXX XXXX XXXX XXXX Account opened on XX/XX/XXXX. It also reports on XX/XX/XXXX I was 90 days late and on XX/XX/XXXX 60 days late. I have sent in copies of divorce decree showing ex husband is responsible several times over the years with no update. The loan is closed as of XX/XX/XXXX. He received the bill while he was living in Virginia while account still open and was making payments as of XX/XX/XXXX and I did not receive a bill as I lived in Pennsylvania. It shows he paid XX/XX/XXXX and then suddenly was 60 days late the next month of XX/XX/XXXX and then suddenly 90 days late on XX/XX/XXXX. How is that possible? I was not aware of this bill and have asked several times that this delinquency be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX, I spoke with a representative who informed me that my account qualified for a 1099C-cancellation of debt. I explained my financial hardship, and she confirmed my eligibility. However, I have not received any communication from XXXX. Additionally, I sent a letter in XX/XX/XXXX to the address provided : XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, NY XXXX Now they have sent it to XXXX XXXX  XXXX XXXX XXXX XXXX for collection as XXXX did not fulfill their promise. Unfortunately, I am unable to make any type of payment at this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX Was Deleted From My Credit Report in 2022 and now have been reinserted back on Credit Report .I am not Liable for this Debt and have not signed any Contract with XXXX XXXX XXXX XXXX..I demand this Account be removed once again I was Not notified of this reinsertion of this previously deleted item. 
By Law I Demand you delete reinserted items from my credit report
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/2023 regarding a credit card account that was mistakenly added to my credit report. After their investigation, on XX/XX/2023, they retained the card account, which I do not recognize, with the claim that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Now, the financial behavior associated with this credit account, which belongs to someone else, has significantly impacted my credit score in a negative manner.
Product: Credit reporting or other personal consumer reports

Received collections from Jefferson Capital regarding phone purchase i did not make or do not have services with
Product: Mortgage

for a year noiw been having alot of troubles with phh mortgage since they took over the loan klast XXXX from ocwin ... this is the third time im contacting you for assistANCE ITS THE 3 DIFERENT PROBLEM IVE HAD WITH THEM THEY CONTINUALLY TAKE MONEY FOR ESCROW ACT BUT DONT PAY ANYTHING AND I END UP PAYING FOR THE TAXDS AND INSURANCE ... THEY WONT DEPOSIT THE MONEY BACK TO ME OF {$790.00} THEY SENT ME A CHECK IN XXXX THAT I GOT AND I WENT TO XXXX XXXX XXXX  AND DEPOSITED IT THEY IMMEDIATELY BOUNCED IT ON ME IT WAS WRITEN TO ME AND DEPOSITED INTO MY ACCOUNT AT XXXX   XXXX XXXX  COSTING ME {$12.00} IN THE CANCELED CHECK THEY PUT ON IT ... NO REASON DID THEY EVER GIVE ME FOR DOING THIS TO ME ... THEY SENT ME ANOTHER ONE AND I RIPPED IT UP AS NO WAY I COULD TRUST THEM TO DEPOSIT THIS CHECK AND GET IT BOUNCE AGAIN ON ME AND ANOTHER XXXX BUCKS I SENT IT BACK TO THEM TELLING THEM THIS ... WHAT DO THEY DO SEND ME ANOTHER AND I RETURNED THAT TO ... AGAIN STATEING YOU TAKE MY MONEY AUTOMATICALLY OUT OF MY BANK ONLY WAY I SEE YOU GETTING IT ACK TO ME IS ELECTROCALLY DOING THIS AFTER A YEAR OF SOLID MULTIPLE PROBLEMS TENDING FROM NO 1040 FORM FOR TAXES WHEN THERE WERE TWO OF THEM LAST YEARS AND NOT LETTING ME INTO MY ACCOUNT AND FREEZING IT ON ME TRICE ONCE IN XXXX NEXT IN XXXX AND XXXX..WHICH I HAD TO COMPLAIN TO YOU HERE TO BEABLE TO LOG IN ... I DONT GET A BILL FROM THEM ITS ONLINE ONLY TO THEY WONT TALK TO ME ON THE PHONE MULTIPLE TIMES HANGING UP ON ME IN XXXX XXXX XXXX XXXX XXXX AND XX/XX/2020 ... .I DONT TRUST THEM AT ALL ... .THEY BOUCE THE CHECK THEY WROTE TO ME I TRIED TO PUT INTO MY ACCOUNT AT MY BANK THEY NOW CLAIM CAUSE OF FRAUD WHAT FRAUD IT S MY ACCOUNT WRITEN TO ME ... AT MY BANK!!!!!!!!!!! ... .THEY KEEP PLAYING GAMES SINCE XXXX NOT RETURNING MY MOMEY CALLED AND THRETEN ME ABOUT NOT HAVING HOME INSURANCE IN XXXX BUT SENT ME A LETTER A MONTH TO LATE LIKE I SAY INCREDIABLE MULTIPLE DIFFICULTIES AS HOW CAN I TRUST THEY WONT BOUNCE ANOTHER CHECK ON ME IT HAS TO GO DIRECTLY IN ... OR PUT IT ALL TOWARDS MY TAXES AND STOP TAKEING MONEY OUT FOR IT ... .HAS TO BE A MONEY ORDER SOMETHING THEY WONT BOUNCE ON ME ... ONLY WAY I SEE IS DIRECT DEPOSIT TO ME ... PLEASE HELP WITH THIS HORABLE COMPANY PHH MORTGAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED THE BANKRUPTCY COURT AND THEY STATED THEY DO NOT REPORT TO THE CREDIT BUREAUS. AND THE INFORMATION IS STILL REPORTING ON MY CREDIT REPORT
Product: Debt collection

I have attempted to get XXXX XXXX XXXX to remove this account from my credit files on multiple occassions. I have requested to relieve the original application and copy of my drivers license. I have been told by them that they do not have that information. That I would have to contact XXXX XXXX directly. They are aware that when I try to contact XXXX XXXX their automated system transfers me to XXXX XXXX there 's is no way for me to contact XXXX XXXX directly to request the information. I contend that XXXX XXXX never verified my identity before opening a credit card account. It was XXXX XXXX XXXX responsibility to verify my identity before opening an account. Because they did not verify my identity when they opened the account, the account is void and must be removed from all of my credit files. Every time I request this basic information from capital one I am sent a fraud affidavit, or a copy of a billing statement, they refuse to send me the information I am requesting. I am requesting that they send me the original application and copy of my drivers license that they have to keep in file, if they can not provide me with this information request, then the account is void and must be removed from my credit file.
Product: Debt collection

I made an arrangement and paid the debt in full to the original creditor XXXX  One week later in XX/XX/2020 this debt was reported by Receivables Performance Management to all three credit bureaus. I have not entered into an agreement or contract with Receivables Performance Management. I have called multiple times to request this derogatory account be removed from my credit report. The representatives at this agency refused this request in violation of the FCRA. I did not give written or oral permission to authorize Receivables Performance management to furnish any information on my credit report. I'm exercising my right under the FCRA to dispute this account in its entirety.
Product: Debt collection

On XX/XX/XXXX, I contacted BSI financial when I noticed that my XX/XX/XXXX was not applied to my account. I then contacted BSI by phone requesting this be investigated. The representative, XXXX XXXX was suppose to escalate my request to be reviewed and promised an update by XX/XX/XXXX. After I heard nothing, I contacted him back by email and the information he provided had nothing to do with the XXXX payment. I sent them bank proof that XXXX payment was paid in the month of XX/XX/XXXX. When I asked to speak to management, specifically XXXX XXXX, the call is being intercepted because he does not want to speak to me. I also have a problem with XXXX XXXX which is the Loss Mitigator. Does not explain anything to the consumer correctly, ignores emails and is simply bad customer service all the way around. 

In my last case, BSI had illegally took fees from me during a bankruptcy and said it was a mistake. As a result of the complaint I noticed the fees were applied and now they are reversing it. No one has given me an explanation. 

I am victim of predatory lending. This organization takes out fees from consumers not providing any documentation once so ever. I have yet to receive information about my mortgage or fees. I look for the day to get away for this collector. I am also going to write to the Attorney General. These people need to be stopped.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please block/remove these files. 
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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX XXXX XXXX bal. {$520.00} XXXX bal. {$330.00} XXXX XXXX XXXX  bal. {$23000.00} XXXX bal. {$31.00} XXXX XXXX bal. {$1000.00} XXXX XXXX bal. {$470.00}
Product: Mortgage

I am very upset for the reason I have tried to work directly with my new mortgage company Wells Fargo.However they do not want to review my loan for a modification, I provided my income and my sons contribution for proof of income. However ; Wells Fargo executive office did not helped me they just turn me down. At this point I am doing all I can to safe my home, my home is severely under water. With the income I have I am confident I can keep up with an affordable mortgage payment. But Wells Fargo is just prolonging my loan making me fall behind more, the executive department advice me that even with the increased of income my loan is not eligible. This is not acceptable because I was told by an agent from Wells Fargo if there is a change of income I can always re-applied. Therefore I have and nothing is been done. For the record my intentions were not to fall behind but due to my divorce and extreme loss of income it was impossible to keep up with my mortgage payments. I have my rights as a home owner and I know my loan is not been review fairly. For the reason that I summited a complete modification packet on XX/XX/2016. Then is was denied XX/XX/2016. Wells Fargo just took six business days to review my documents how is this a fair review. Please help me I do not want to loss my home. My monthly income is {$2600.00} this includes my son contribution, and my monthly expenses are {$2300.00} this includes my current mortgage payment also I have a surplus of {$320.00} at the end of the month. I do have enough for an affordable payment, they keep changing my information. Due to all of this I believe that Wells Fargo is engaging in fraudulent and deceptive practices, they are basing most of their information on assumption, even though I have provided all the necessary documentation. I need assistance and I hope a solution is found to this ongoing issue.