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

I have been trying since XX/XX/2021 to regain access back into my crypto.com account to check my invesents and build progress to raise investments and have been halted by crypto.com. 
I have verified my identification at least XXXX times to be told that a piece of my elbow didn't show or not enough of my chest is in the picture. Things that have no significance when my picture and identification match as well as I am telling them the information they require to verify me. 
Other times I try and think I've gotten somewhere to find they have given the wrong solution like adding my phone number that needed changed to on the original account but not saying that being the phone number was on the dummy account I had to create in order to get to customer support, means they would need thrifty days to have an account close and let me in the original one where my money was invested. 
Today, it has been XXXX months, and I'm stillocked out and still told XXXX due to the phone number on XXXX accounts and would be XXXX days ..and I would need to go through verification again. 
Enough is enough, I feel they are hiding that they no longer have my money. They should not be able to keep you locked out of your own account for almost XXXX months.
Product: Debt collection

I.C SYSTEM is in violation of my federally protected rights they using unfair and deceptive debt collection practices and invading my individual privacy which is a violation of 15 usc 1692a. Never had I did or give them consent to have my personally information which is identity theft which make them civilly liable and criminal liable.
Product: Debt collection

I started receiving calls from Ad Astra on XX/XX/2018. My cell phone logged 17 calls and 3 letters. I spoke to them and wrote to them explaining I am on XXXX which makes my income exempt from collections. The company that sold them the debt knew that and they should go after them for selling them an uncollectible debt. They then placed it on my credit report in XXXX and so far haven't removed it after I asked them to. I have no assets that they can seize so they are wasting their time.
Product: Credit reporting

Equifax kept me on the phone for 2 hours to get my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont want my account closed. These banks are ingnoring me. and the credit bureau report anything on your credit report. Im suffering. Im a hard working american I need my credit worthy as I work hard to maintain it. Thiese companies are designed to keep XXXX people down. Its a comspiricy. I can buy a home or get the job I need to care fro my family. I work hard to pay on time. Please work hard for me. Dont shut me down. I cant be left alone.. I filed 1000 ftc. My last resort is to hire a lawyer. XXXX  XXXX isnt my accont I explained and they forced me to pay something that wasnt mines. They told me that there's nothing I could do and If i dont pay they will continue to ruin my credit. I found this weird and unethical. Who can help someone when they go through issue like this? 
XXXX XXXX I WAS NEVER EVER LATE ITS REPORTING ONLY ON TRANSUNION AND I DEMAND ON FCRA THAT THEY DELETE LATES ON MY ACCOUNT. I INCLUDED A COPY OF MY REPORT. TRANSUNION IS THE ONLY ONE REMORTING LATE. I NEVER WAS LATE. THIS IS MUST BE UPDATED remove lates from XXXX I was on defeeerent remove late from XXXX XXXX they said they woul updtae my credit sevral inquiries and lates due to covid19 someone was trying to get a car in my name. please delet all these inquiries. This is horrible. 

delete these inquires they are not mines. is this legal? Who is here to protect me. 
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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices which violates 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: Checking or savings account

This is my fourth complaint regarding a fraudulent practice of Citi Bank. The Company has yet to provide a satisfactory response and has refused to compensate for the financial loss that they caused. Please refer to my previous complaints for more details : XXXX XXXX XXXX Long story short, the bank froze my family savings account for undetermined period under pretense of my account being reviewed by the " back office '' of Fraud department. They provided no means whatsoever for me to resolve the issue and unfreeze the money. After submitting multiple complaints to XXXX  and CFPB, they then decided to close my account for unknown reason. 

After 63 days, they finally closed the account and returned my money. But no explanation was given even after multiple request to provide an explanation. 

Anyway during those 63 days, I lost hundreds of dollars because I needed to take a loan ( because my money was being used by Citi ). I lost another hundreds of dollars of not putting it in my other account that earnings MUCH higher interests. 

From my perspective, Citi stole my money for 63 days because they STILL failed to provide me an explanation of : ( 1 ) why the account was frozen, and ( 2 ) why my account was closed. 

Those 63 days may mean nothing for the company, but it meant lost of hundreds of dollars for my family and the Company is not owning responsibility for it. 

I made a conclusion that I might have been a victim of fraud and discrimination by Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing XXXX correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXXXXXX 
The reasons that I hold this belief are : XXXX. In XXXX, the address that XXXX had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that XXXX had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that XXXX is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and XXXX claimed that I owed differed. This difference indicates that the loan that XXXX is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, XXXX asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that XXXX is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by XXXX to me that relate to my former XXXX address.
Product: Debt collection

Collections agency has called a few times and let the phone ring 1x then hang up there has been a time or 2 for which i was at work and recieved the call. They were not understanding that i live in TX so the law to collect is 4 years for which this debt is past that time and I have contested the infomation on my my credit report but they keep saying that it FIRST FED CREDIT CONTROL Last reported XX/XX/XXXX {$1500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

NationStar Mortgage increased our monthly mortgage payment without notifying us. When I called, I was told that the payment increased in XXXX, 2016. We have been making the same payment each month and now have a past due amount showing on our statement. Their customer service representative could not explain anything she had no idea what she was talking about, just kept saying " payment increased in XX/XX/XXXX ''. I asked to speak to a manager and was put on hold for 45 minutes at which time I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand this collection be removed from my credit report or I will file for litigation due to stress you have caused all this time.
Product: Credit card

Bank of America refuses to honor the Power of Attorney I submitted so that I can manage my Aunt XXXX financial affairs. They refuse to remove an unauthorized {$25.00} annual membership charge by XXXX XXXX XXXX from her {$0.00} balance account and refuse to close the account. If they had closed the account when I asked them too, XXXX XXXX XXXX would not have been able to perform their little money harvesting operation. 
I have called BOA repeatedly. Supposedly, they filed a complaint for me in-house and were going to call me back when someone had a response for me, but nothing ever happened. I got one ridiculous phone call from some poor call center person in a fake executive issues office ( every large corp has these and they are WORTHLESS ) who tried to tell me that I could n't do anything on my Aunt 's behalf. 
XXXX XXXX *My Aunt is XXXX that her Medicare assigned doctor did not test her for when asked to do so. This happened because my Aunt XXXX is " just a Medicare patient '' and this doctor does not treat the patients assigned to her by Medicare. I learned this from a whistleblower in her office. ( A formal complaint has been filed with the XXXX, but they are also a chronically corrupt organization with a 15 year record of failed investigations and legislative oversight boards that accomplish nothing. No wonder people riot XXXX XXXX. 
* * *Anyway, if I remember correctly, there will be a place at the end of this process to attach supporting documents. I have one file to attach with XXXX pages containing the POA and it 's proof of delivery by certified mail, the insulting correspondence from BOA, the last XXXX invoices for the BOA XXXX that I have asked them to close after removing the unauthorized charge. 
* * *I have also been communicating with a gentleman at Aunt XXXX XXXX BOA bank branch. At the commercial banking level, I have been able to function, remove debit cards and manage my Aunt 's checking account. XXXX XXXX has been very helpful thus far, but he was unable to help me with this aspect of BOA 's operation. 
* * *Please do not do what you did last time. Please do not just send all of this to BOA and ask for a response. That does NOT work. BOA is a monolithic organization that is too big to live. It is a nightmare of consumer abuse. The last time the CFPB did this, all I got was a response that was completely unrelated to the issue and nearly impossible to access on the website. Worst of all, the offending organization actually stated in their response that the case was closed. And I never could get anyone at the CFPB, even escalating to the Ombudsman, to follow through and make sure that the problem was solved. 
NOTE : In the drop down below there is no selection for Power of Attorney issues. I have talked to MANY people who are caring for the elderly who have been treated like XXXX by banks and other organizations - but mostly the banks. Please add this to the drop down. 

Please do better this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that I was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX 's account. I contacted XXXX 's and they state it is Equifax that is reporting wrong information. I filed a dispute for XXXX 's through Equifax and attached documentation that validated I have no late payments, but the disputes was completed and results stataed late payments were verified. For XXXX 's I then filed a complaint through Consumer Financial Protection Bureau and it was verified that I have NO late payment and Equifax is reporting the wrong information. Please see below the Company 's ( XXXX 's ) complaint response through Consumer Financial Protection Bureau verifying I have NO late payments. 

Compliant number XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX XXXX ) appreciates the opportunity to respond to the concerns you have regarding account ( XXXX ) XXXX. We have a more than 130-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located on your retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, you may contact XXXX regarding questions about your purchase by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with explanation. : 1. You paid the account balance in full in XX/XX/XXXX ; 2. There was a delay in closing the account ; and 3. XXXX  processed a manual AUD on XX/XX/XXXX to correct the credit reporting. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$120.00} due on the XXXX of each month. You made your final payment on XX/XX/XXXX ; however, there was a delay in closing the account. XXXX  closed the account on XX/XX/XXXX. XXXX  processed a manual AUD on XX/XX/XXXX to correct the delinquent credit marks that were assessed on the account due to the delayed closing. XXXX processed a bullseye report on XX/XX/XXXX and confirmed that no delinquent credit marks are being reported on the account. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention.
Product: Credit card or prepaid card

Receivede-mailthatcreditcardhadbeenclosedaweekearlier.Nowarningwasgiven.WhencallingCapitalone,agent(XXXX)statedIshouldhaveexpecteditfromtermsofserviceIreceivedayearago.Agenttriedtostatethatallbankswillcloseforinactivity,butCapitalonewillgivenowarningaheadoftimeasapolicyandwillonlytellyouafterthefact.Atacertainpoint,agent'stonemadeitapparenttheywantedmetohangupbutIstatedIwouldliketocontinueallwhileItrytofindothercasesofthisoccurringandhowtheywerehandled.Agentbegantoclaimtheycouldnothearmeanddisconnectedcall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A, Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I am beyond disapointed by Bank of America they are nothing but liars and they have not helped me at all during this past month. A couple months ago I found out my account was closed, I called them and advised them that I currently wasnt working, but I would be soon be moving and getting settled with a new job and I would be able to settle my debts. I then asked the reprasentive the big question. Once my debts were settled would I be able to open a new account. The representative convinced me that if I paid off my balance, I would be able to open up a new account by the end of that week. So I pay the XXXX to make it right with my overdraft fee and the XXXX on my credit card with them. The week comes and goes and once I notice that the funds are out of my account I go back to the branch all I excited that things are comming along. I then get told that bank of america will never open an account with me again. Of course after that statement I was confused. Not only did the woman I spoke to earlier in the week say once I paid I could re open she never mentioned that my account also had supposebly a fradulent check that tried to be deposited. During that time of my life I was jobless and didnt have money comming in and Im not sure how it happned but my card was stolen. They told me to write a statement and my name would be removed from the XXXX XXXX   and XXXX XXXX. I also dared them to check out the survelliance for who ever diposted a check into my account because it was never me. It was theft. A month has came and gone and stilll no answers despite the fact I am constantly calling to make inquiries. I have no desire to ever have an bank account with tyrants ( BOA ). But the fact is I am a victim, I paid all my debts and still everyday I been getting nothing but the run around. If Bank of America is not willing to let me open another account, good riddance but dont mess with my livlihood, lie, give me the run around. Keep ur paid debts and give me back my XXXX name, Take my name off XXXX XXXX and XXXX so I can move on with my life, Bank of America is a self serving entity and I suggest you never choose them to be your home bank. 



-XXXX XXXX.
Product: Debt collection

I sent a letter on XX/XX/18 and again on XX/XX/18 asking for Debt Validation as I don't know what this debt is for. As of today, XX/XX/XXXX, I have not received ANY documents stating that it is a valid debt.
Product: Credit card

On XX/XX/year>, I made a payment to my Business Credit card account in the amount of {$15000.00}. Somehow I inadvertently made two payments of {$15000.00} and both payments were deducted from my XXXX XXXX XXXX account on XXXX XXXX. I contacted Bank of America on XX/XX/year> and spoke with XXXX who informed that they until XX/XX/year> to return the funds. I received a letter from BOA dated XX/XX/year>, stating per my request they had transferred {$15000.00} from the {$15000.00} payment back to the originating source CASE NUMBER : XXXX. On XX/XX/year>, I contacted BOA and spoke with XXXX who requested a refund research that could take up to 5-7 business days, claim number for research was XXXX. After waiting the 5-7 business days I called BOA and spoke to XXXX on XX/XX/year>, and unfortunately she was unable to resolve my concerns, she then transferred me to a Supervisor name XXXX in South Carolina XXXX XXXX XXXX informed me that I had to wait 30 days from XX/XX/year> to receive my money due to the amount which would be XX/XX/year>. On XX/XX/year> I contacted BOA again and spoke with XXXX who stated I had to wait 1-2 billing cycles to receive my refund, at this point I was beyond frustrated this was now the 5th representative of BOA I had spoken to and received five different responses. I then requested to speak with another Supervisor and was transferred to XXXX who stated she had spoken with the XXXX XXXX department at BOA and because I had waited the 30 days to please give them to the end of business day to have my funds in my account. I did not receive the funds on XX/XX/XXXX as promised and the following day was a holiday. Today XX/XX/year>, I called the Bill Pay number giving to me by XXXX XXXX and after a XXXX minute XXXX from XXXX  answered and informed I had the wrong department he then transferred me to XXXX in XXXX who spent over forty-five minutes trying to assist going back and forth with her Supervisor that remains nameless. She then put me on hold a final time to say she was still working my case and to my surprise she transferred me to XXXX XXXX XXXX XXXX, who now states I'm in the incorrect department once again. At this point I decided this was NEVER going to be resolved after spending so much wasted time to get no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX XXXX XXXX. They rectified the situation by sending out a 1099-C Debt Cancellation notice : 1099-c under 26 U.S.C. 108 - U.S. Code - Income from discharge of indebtedness.

That Discharges the debt and counts it as income. XXXX  and XXXX  has removed it from my credit report according to XXXX ( service I pay for ) as well as XXXX XXXX. However, Experian continues to report it as factual and gives me continuous lates and derogatory status. 

Also, XXXX  XXXX XXXX XXXX originally used this account number to report the debt and it was deleted : XXXX Now, XXXX XXXX  XXXX XXXX refiled THE SAME DEBT under a new account number : XXXX Clearly showing they are purposely misrepresenting the facts that is clearly illegal. 

I have included the letter I sent out to Experian since XX/XX/2020. Since the shutdown, I gave everyone the benefit of the doubt to rectify the situation. It is only getting worse.
Product: Checking or savings account

I have opened the checking account with Eastern bank on XXXX as per promotion incentive to get {$600.00} if I do combine {$15000.00} direct deposits, which I did already a month back. I should get the incentive in 30 days after qualification as per the term they advertised clearly as below. 
" Account must be open and have a positive balance. Incentives for qualified accounts will be deposited into customers account no later than 30 calendar days after confirmation that the account has met all the requirements. '' However, I called twice and also email to banking officer where I opened this account got all misleading information. Banking officer replied I am not qualified. The customer service said I have to wait till XXXX as it will be paid after 120 days which is a clear cut deviation of the terms mentioned by them while opening.