23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block inc ) due to an inadequate customer service and unfair practices which violated the consumers financial protection act 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 and and regulation E. These actions have cost significant inconvenience and financial loss and I seek appropriate redress for this violation.
Product: Student loan

In 2017 I requested to have my cosigner removed from my loan. During my telephone conversation with the customer service rep, she advised I would need to make 12 consecutive on time payments in order to do so. This has been done but when I asked after the 12 months they informed me I will NOT be able to remove the cosigner
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; DEPTEDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/XXXX Federal Income Tax Refund taken from XXXX XXXX although I am in a Loan Rehabilitation Program with XXXX. 

I received a letter today, XX/XX/XXXX, supposedly from The US Department of Treasury/US Department of Education stating my Federal Income Tax was taken for unpaid Student Loans. When I called the number listed ( XXXX ) I was redirected to Coast Professional, a fraudulent Debt Collection Agency that does not answer their phones nor do they set up repayment plans. This year they are located in New York, last year they were located in California. 

My Income Tax Refund was taken last year from a similar fraudulent agency. I reported Coast Professional last year and nothing was done to correct the problem. Months ago, I signed on with XXXX for a Student Loan Rehabilitation Program since the were able to substantiate the debt and actually answered phone calls in addition to returning phone calls. Since then my account has been deducted monthly with a payment I can actually afford. 

Imagine my dismay and disgust when I received another letter from the US Department of Treasury/US Department of Education telling me my Income Tax Refund has been taken by a company that does not answer their phones and refused to return phone calls for repayment. Except this time, the same company - '' Coast Professional '' - is not based in California as it was last year, now it is based in New York. 

After another call to " Coast Professional '' that was sent directly to voice mail, I then recalled the number listed for our fraudulent US Department of Treasury/US Department of Education. After explaining the situation to " XXXX '', I was then transferred to " Supervisor XXXX '' that was extremely rude, disrespectful and told me " Managers do not take phone calls here. '' after I told him to let me speak with his superior. 

Supervisor " XXXX '' or more rightly named " XXXX '', did not want to understand that I was already in a Loan Rehab Program with another company, that " Coast Professional '' was a fraudulent agency and that I expected better from a supposed employee of our so-called government. 

XXXX did not like it when I told him his paycheck was paid for by tax-payers. He actually stated that was not true and then disconnected the call. If these are the kind of people in charge of my personal information and are allowed to take money from me and my children, then I will never file another tax return again since obviously the government is so inept and filthy they can not help themselves and are beyond redemption. 

This year was the last chance for the US Department or Treasury and the US Department of Education. They failed.
Product: Checking or savings account

good evening thank you for giving me the opportunity to justify myself I have sought the voices and means in vain. I explain to you I have a credit in the air caused by my own personal bank bank of america because it left a false check passed on my account under the pretext that I added a person on the account. I am not responsible for this act so I want to be reimbursed and compensate with interest that goes with it because the bank has proof that it is a person who is my wife. but it does not give him the right to the bank to let a check pass on my account without calling me I refuse to accept. because XXXX because of her I couldn't be paid on time but the only and only credit card I have with you I want a minimum compensation of {$350000.00}
Product: Credit card

I treated my family to a 4 night vacation in XXXX. We purchased 3 rooms from XXXX in XX/XX/2022. When we arrived to the hotel 6 month later on XX/XX/XXXX, we were told by the hotel that all 3 rooms were sold out. With no where to go or turn because we are now stranded at a hotel in XXXX, we were instead put in 3 single bed bedrooms for XXXX adults, including XXXX men, my brothers. Unsatisfied, we checked out early and spent double our vacation budget to move my family to another hotel in XXXX. 

I was instructed by XXXX to dispute the charge with my credit card provider BarClayUS because we ordered 3 queen bedrooms and were not given what we pre-booked 6 months before our vacation. When disputing the charge I provided the credit card company with the original receipt of the booking, the receipt of the second hotel we moved ( with assistance from XXXX ), photos of out early check-out forms, and photos of my brother sleeping on a cot. This was NOT the 4.5 star experience we paid for, and this was NOT what we ordered. 

However, my credit company will not budge. They are aware we did nothing wrong. They are aware we did not purchase the rooms we were put in. And they are aware that we checked out early. I have been fighting this case now going on 10 months this year. What are my rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX the account with sunrise credit services, has violated my rights. 
In the amount of {$780.00}, opened on XX/XX/2021. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$720.00} XXXX XXXXXXXX Balance : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXXXXXX XXXX XXXX XXXX XXXX and discovered that EQUIFAX at XXXX XXXX XXXX in XXXX, GA XXXX placed a fraud alert on my credit report without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX was sold in XX/XX/2024 and this account should not be listed on my credit file anymore. XXXX XXXX does not own this account no more and therefor account should be completely remove. I do not have a balance with XXXX XXXX XXXX XXXX XXXX XXXX. Please remove account from all the credit file ( XXXX, Equifax and XXXX ) immediately. The account is reporting inaccurate please remove asap.
Product: Debt collection

I paid this company {$290.00} for a {$200.00} loan already back in XXXX of XXXX, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in XXXX and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!
Product: Debt collection

My complaint is that the account is reported as {$760.00} dollars past due to XXXX and showing charge offs on XXXX  and XXXX when the account has been completely paid off. however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of this loan or debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past few years years and it has been hurting me and credit the entire time.
Product: Debt collection

If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all forms of communication.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against WAYPOINT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like only One name and address on my consumer reports
Product: Mortgage

COMPAINT AGAINST US BANK HOME MORTGAGE My name is XXXX XXXX XXXX. U.S. BANK is the holder of my mortgage. I bought my house in 2009. One year later I find out the house was not in compliance with the local township. I spent more tha {$20000.00} to repair violation which was overlook by the bank inspection. As a result, I fell behind on my mortgage. 
For over two years I have been trying to get a mortgage modification. U.S. bank has been IMPOSSIBLE to deal with. U.S. Bank Agent XXXX XXXX has been using all the XXXX tactic to delay and denied my modification. 
U.S. Bank Agent : XXXX XXXX # XXXX ext XXXX I need a modification. Please help XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my exes kept my belongings when i moved out and i ended up having to pay to order a new birth certificate and had to go get a new social security card. I noticed this account on my credit report for a car that ive never had. I dont even have a license to get a car in my name. I contacted the finance company and the document they have is a document that was signed electronically by someone and my name was signed. Ive disputed this and nothing has happened its listed as a charge off.
Product: Credit card or prepaid card

Citibank is making law-abiding gun owners, who have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups targets by denying them services simply for exercising their rights under the U.S. Constitution and laws. 

These efforts create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business because of their purchasing or using legal firearms dealers or suppliers for their personal use. 

Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. 

No American should be treated as a scapegoat for someone elses crimes by denying them credit or use of their credit to legally purchase firearms for which they are legally entitled.
Product: Credit card or prepaid card

The recent closure of my Capital One Spark Business Account for business XXXX XXXX XXXX, XXXX ( XXXX XXXX ) is unfair and unjust practice for a XXXX XXXX XXXX XXXX. 

I have had an business credit card with Capital One for almost or going on 10 years! I have a credit line of {$6000.00} and for an unknown reason the account has been close. The account has been paid in full or always paid on-time or in-full since the business account has been made available to XXXX XXXX XXXX ( c/o XXXX XXXX ). 

A recent new credit union account has been opened for XXXX XXXX and the XXXX XXXX XXXX XXXX failed to act accordingly in the best interest of the customer. In addition to XXXX XXXX, I have been a good standing customer with XXXX  XXXX XXXX. 

And between the three credit businesses all have been completely fair up to this point, but the occurrence has taken a turn by two of three mentioned businesses. The result has caused undue stress, misfortunate and unfair discriminatory business practices for XXXX XXXX XXXX XXXX! Now I have to spend time writing this report to document the unfair banking and credit card practice procedures. Both XXXX XXXX and Capital One has caused major causalities and left my business without proper credit representation for collateral. Also both have cost me hardship due to incorrect practices and contractual breach without evidence. 

I attempted to submit payment to Capital One using my XXXX XXXX XXXX XXXX account on two separate occasions XX/XX/XXXX and XX/XX/XXXX, see attached. The occasion of XX/XX/XXXX resulted in a returned payment according to Capital One ( see attached ) and funds were in my XXXX XXXX XXXX XXXX to complete payment. Please note on this return XXXX XXXX did not provide any notification to XXXX XXXX about the payment being rejected. The second occurrence was on XX/XX/XXXX resulted in returned payment as well. On the second occurrence XXXX XXXX provided documentation of why this happened. When this took place a call was made to XXXX XXXX asking for clarification and they said that the account is not ACH so a payment could not be made. 

On XX/XX/XXXX, Capital One restricted my account and today ( XXXX ) after my conversation with a representative my account has been closed! This is not fair and a total disregard for human life due to the worldly circumstances for both being a person of XXXX, a XXXX XXXX XXXX and a loyal customer to Capital One and XXXX XXXX XXXX XXXX. XXXX XXXX company is the frankestien of unfair business practices! 

I have submitted the payment I was seeking on XXXX in the returned balances using my XXXX   XXXX XXXX account ( see attached ). This account has been the primary account used to make payments until I opened the XXXX XXXX account. Unfortunately, XXXX XXXX has made this a huge mistake and I would like them to reach out to Capital One and I would like Capital One to reconsider their wrong doings. 

I am requesting both Capital One and XXXX XXXX work this situation out so that we do not have a SCAR! I would like a Supplier Corrective Action Report on how this will be resolved and how my accounts will continue to be in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX account # 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 can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened a Chase XXXX XXXX account on XX/XX/2021. I did this after I received an email to my college email account about the Chase {$100.00} XXXX XXXX XXXX. As attached below, I clicked on the open an account button which says in fine print under it coupon code applied when you click Open an account. I made my account using that button and I then completed 10 qualifying transactions which wouldve given me the {$100.00} bonus. I waited 15 days and nothing so today XXXX XX/XX/2021 ) I called Chase Customer service. They told me that the coupon code I had been given actually wasnt applied when I clicked on the open an account button and now because 21 days had passed the coupon code is now completely worthless. This is definitely at the fault of Chase, I clicked the link and my coupon code shouldve been applied but it was not.
Product: Payday loan, title loan, or personal loan

I got this email from Speedy Cash on XX/XX/2022 to my email address saying that I would be able to get a loan in the amount of {$5000.00} if I was approved and {$150.00} would be my payment that would be debited from account. So I called them inquiring because I was trying to get a loan so when I talked to the XXXX XXXX XXXX XXXX he asked me how much of a loan I was trying to get and I told him {$3000.00} and he told me that my payment would be {$91.00} a month and it would be debited from my account each month, so he sent over the application with the loan amount and how much would be debited from my account on the paperwork and asked me to sign the application and I did then he asked for my bank information and I gave it to him thinking this was a legitimate business and it turned out to be a scammer. Because he forged my name and deposited money into my account and into my mom 's account since we have a joint account, she is the rep payee for my account and now the bank think that I have defrauded them which I never did. The money was never in my hands and the bank have sent me papers in the mail saying that they put some checks on hold that was deposited into me and my mom 's account and then sent a check that this company sent to them made out to me in the amount of {$900.00} and my name is forged on the back. XXXX XXXX sent to my {$1500.00}, {$3000.00}, {$5000.00} and {$2500.00} and {$1500.00} and {$900.00} to my mom account I proof on my email of money that was sent to my bank account that was forged in my name that I never signed for. Speedy Cash needs to pay me for my hardship of having to go through this and losing my bank account and being accused of something I never did I think they need to pay me restitution and charges needs to be filed against the company.
Product: Checking or savings account

Dispute case number XXXX I told the bank I had issue with the merchant, I received wrong items and damaged item, the item I received and what I ordered is not the same, the bank failed to resolve this matter although I have sent them evidence I had with the merchant
Product: Checking or savings account

The app CashApp has allowed funds to be taken from my debit card without my authorization.
Product: Checking or savings account

On XX/XX/XXXX, I received a text from Citizens Bank ( XXXX ) stating " FROM CITIZENS BANK : For account ending in XXXX : Did you attempt a debit of {$250.00} at XXXX XXXX XXXX XX/XX/XXXX? REPLY YES/NO/HELP '' I responded " NO '', and immediately called Citizens Bank. I spoke to a representative, and was told I received the text by mistake. I requested to speak to a manager, and the manager told me the same. When I asked the manager how I could trust Citizens Bank when I was receiving the wrong texts related to fraudulent transactions, she put me on hold. When I was placed on hold, I received a call from Citizens Bank ( XXXX, badge XXXX ), who explained that the fraudulent transaction was, in fact, attempted, but blocked. He also found another fraudulent transaction in process. XXXX did a great job.

However, it should be noted and reviewed that the other representatives 1 ). did not know what they were doing, 2 ). told me that I received the text from Citizens bank by mistake, and 3 ). provided no useful information to resolve the issue. If I did not speak to XXXX, I would have had additional money stolen from my account due to their poor training and bad customer service. The calls are recorded, and should be reviewed.

Overall, the customer service of Citizens bank has declined. They are clearly not appropriately staffed to handle their clientele given the amount of time you need to wait to speak to a customer service representative ( the wait is normally never below 10 minutes ), and the staff is not properly trained.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Dept of Ed- Is reporting to XXXX  and Experian inaccurately with a {$3300.00} balance. This account is closed, and there is no balance owed.