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

I am writing in regard to my Bluebird Account ( s ). I originally opened a card for my daughter who is in a program called New Directions for Young Adults in XXXX XXXX, Florida. The Bluebird card was recommended by them. I opened the account under my name. 

After months of trying to find an easier way to load money to the card ( other than my only option of going to XXXX with cash ). I called Bluebird, the representative was unhelpful and put me on hold until the call eventually hung up on me. There was approximately {$260.00} on the card at that time. 

XXXX recommended that I open the Bluebird American Express instead. I was able to open a Bluebird Amex and put {$100.00} to start. But when I tried to open a subaccount for my daughter, I kept getting an error message that an account already existed. I called Bluebird to ask how to fix this. Their representative said I had to cancel my daughter 's current subaccount and set up a new account. I asked how I would get the money off the current card and he said I could transfer the funds remaining once she had her new subaccount. He then put me on hold and after waiting 15 minutes the call was cut off. 

After cancelling my daughter 's first account and opening another subaccount for her I was able to order a card to be delivered to her. I went online to transfer the funds from my 1st card to the new account. I was unable to do so. Just kept getting error messages. I then tried to transfer the money to my daughters subaccount and was also denied. 

I tried to call Bluebird to ask for help and I got a message that my account was permanently suspended for fraudulent activity and the call hung up on me. Then I received an email from Bluebird saying my account was permanently suspended. Despite numerous calls I was never able to speak with a representative, I would just get the permanently suspended message and the call would be cut off. 

I have never had a worse experience with a company. It is especially frustrating as we are long time American Express XXXX card holders. I would like my funds remaining ( {$360.00} from both accounts ) sent to me by check immediately.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

( Before reading all of this, I will specify that we used Zelle for the money transfer. ) On XX/XX/XXXX, XX/XX/22, me and my family were looking for puppies to adopt. We posted a post on XXXX online, and someone commented under our post and said theyll sell the puppy for {$900.00}. We thought that was pretty cheap and a pretty good deal, but it was way too good to be true. The scammer also messaged us about the puppy and said its for {$900.00} because shes about to travel to XXXX and shes leaving in about a week. Which seemed reasonable and explains why she would want to get rid of the family. At first she was saying that she wanted to rehome the puppy and shed want the family or the person thats going to take care of it will be in good hands. She also put a fake address after she said that, so we thought she was legit and honest. We also called on messenger and we were negotiating the price, we were saying about {$500.00} or {$600.00} would be a better price for that money, since it was for my daughters birthday. And I also said that Ill pay half right now and Ill send the rest later. The scammer agreed to it and I did as well. I also asked the scammer for more pictures and videos of the dog and she sent me nothing and her excuse was My camera is broken, which seemed reasonable at first. And we also asked for a XXXX and she said Im at work but my camera is broken and I cant, and I live alone so nobody can XXXX for me. We didnt suspect a thing due to how low-priced the dog was. And then she said shell XXXX the dog right away and give us the things the dog needs, such as its cage, food/treats, toys, clothes, leash and collar etc,. Which seemed really okay with us at first because we needed those things so we said okay. And we used the company Zelle to money transfer her, we sent {$200.00} and then sent the screenshot of the money amount transferred to her, and then she blocked me on XXXX. But luckily, she sent us the number so we could Zelle her, but it turns out that the number was her friends number, and her friend was collecting the money for her. We called her friend and asked her to send the money back, she said no. And then the next day, XX/XX/22, her husband texted me on her phone and he was sending us threats and saying that they are not teaming up with the scammer nor do they know the scammer and that they arent friends at all. But how is that possible when the scammer gave us their number and also their real name, both of the contacts were right, and we also confirmed with the scammer if the details were right and she said yes. So please, help us get our {$200.00} back. This is very frustrating and we have already tried to get in contact with them but they have already blocked us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX
Product: Debt collection

On XX/XX/XXXX a rep from XXXX XXXX XXXX XXXX called my job, my parents and my sister threating to come to my job and deliver some type of litigation document. Once I got them on the phone and spoke to a woman named XXXX which I now see is the name of the so-called firm. She claims I owed {$880.00} for a Master card I had back in XX/XX/XXXX or XX/XX/XXXX. Since her tone and her abrasive language and calling me a liar she told me I kept asking her how to get in touch with the creditor. She told me they were no longer in charge of the debt they were, but she insisted she was not a debt collecter but agreed to settle the debt with monthly installments. She would not give me an address or a direct number so I agreed and was sent a docu sign statement that included their address and phone number. I then sent a cease and desist letter on XX/XX/XXXX by certified mail. The ups tracing claims the letter can not be delivered. After researching online the address given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX is a donut shop. their number is XXXX. I did my research and the CC they are referencing was charged off in XX/XX/XXXX and the account was closed.
Product: Checking or savings account

Back in 2013 I opened a bank account with JP Morgan Chase when I was a college student. I used the account for a year and got a notice in the mail that they would close my bank account within 4 weeks. They didnt provide a reason. This also happened to 4 of my friends, including my roommate at that time who were also XXXX. After contacting JP Morgan Chase, they told me that I could never be a Chase customer again and they refused to disclose why. They told me they dont need to disclose why I am not allowed to be a customer. This baffled me and since the past 10 years I have been unable to open a checking account with JP Morgan Chase. I have excellent credit score and have opened bank accounts with various companies since then including XXXX XXXX, XXXX and XXXX XXXX. However, JP Morgan refuses to do business with me and I strongly believe this is discrimination, especially since my friends of the same ethnicity have encountered this situation around the same time as me. I highly urge you to investigate this complaint because no matter how many times I attempted to reach out to their executive offices, they continued to give me the same response that they dont need to disclose why my account has been closed. Ironically, they also closed my wifes bank account a couple years ago and its because she is related to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

The reason that I am writing, is I bought a car at a 30 % interest rate because I could pay large amounts and because the dealer assures me that I could refinance within 6 to 12 months. Santander Consumer Bank, the lender, doesn't give you the proper information to make an educated decision as a consumer. Case in point, I owed XXXX, and I paid {$1000.00}, that left me a balance of XXXX but that balance was disclosed the next day. So that same next day I sent in a payment of {$100.00}, only to find out the following day that {$8.00} had already been assessed in interest, leaving me with a balance of {$10000.00}, when I was expecting a balance of {$9900.00} or so. The problem here is that when you make a payment, the bank doesn't communicate upfront what goes to principal, and what goes to interest, so I was deprived of making a sound decision, ( sending {$1100.00} to begin with ) because the bank controls the information related to the amount of money that they are charging me and when, and delays responses in order to accumulate more interest. If you compound this with the dealer giving me completely inaccurate information regarding refinancing within the time frames communicated, it is evident that something is very wrong here. I am fortunate that I can produce an amortization table, so I can see the numbers and what is going on, but imagine those who cant. I never expected that I would have to produce my own to keep the bank honest because I thought they had a fiduciary duty to the borrower.
Product: Checking or savings account

XXXX XXXX XXXX is one of the only banks that will allow XXXX personnel to open and maintain sterling accounts first thing when you come to XXXX. In fact they market to all of the newcomers. When you sign up they force you to open both a sterling and a dollar account. You can not get a debit card for the sterling account that works anywhere other than their atm. In order to set up rent payments you have to set up direct payments. As of XXXX they are no longer offering that service for direct payments. This directly affects how Many XXXX members pay their rent and other services. I feel the bank has been misleading customers and are not complying with best practices. Also the mobile AP hasnt worked for months. And the fees for changing dollars to sterling can fluctuate while youre waiting for the transaction. It tends to go in their favor on paydays.
Product: Mortgage

On the end of XX/XX/XXXX I e-mailed XXXX XXXX XXXX company that the payment date is incorrect and would they up date it. I receive a note by e-mail saying they would check on it. 
In the end of XXXX it was still not corrected, XXXX XXXX  XXXX said they were having computer problems then and they would check on this. 
To THIS date and several e-mails to them again almost begging I have asked them to update the payment date. It shows " last payment made XX/XX/XXXX '' as of today 's date, XX/XX/XXXX. 
One lady said they can't do this, the credit agencies have to, when all three agencies said the mortgage company has to report last payment, that they were not allowed to change any dates without the mortgage company requesting this. 
XXXX XXXX XXXX company refuses to update my credit report all all three credit agencies, it is hurting my credit score. 
To ME, it is simple, but for some reason XXXX XXXX  XXXX won't do anything, can you help me?
Product: Mortgage

Hi This is regarding mortgage # XXXX I refinanced with Amerisave mortgage company in XX/XX/XXXX. 
I had an insurance policy in effect XX/XX/XXXX - XX/XX/XXXX That policy included named wind/storm coverage with 1 % = {$2800.00} deductible. 
That was written clearly and I highlighted that in red. 
I changed the insurance company and had new policy effective XX/XX/XXXX - XX/XX/XXXX, which is currently in effect. 
I pay mortgage payments monthly in time. 
Late XXXX ( after the policy expired and had the new one in place ) Amerisave emailed me that the expired policy didnt have wind/storm coverage, I called and emailed and mailed them copies showing that it had coverage, no one wanted to understands or tried to understand, they reacted like machines. 
I called the previous insurance company to explain that the policy had that coverage, they told me that the policy was already expired and they didnt have it, since I moved to another insurance company. 
In XX/XX/XXXX Amerisave told me that they are going to pay {$1100.00} for coverage from the refinance date XX/XX/XXXX till the newer policy effective date XX/XX/XXXX Still I pay my regular mortgage payments in time as usual. 
Now, how come to pay for insurance that expired the year before? 
Insurance is paid as every one knows, in advance, How come they discovered that the OLD EXPIRED policy had no coverage after expiration. 
Either their employees dont want to listen, read and understand, or the company wants to steel my money. 
If what they claim was right, they should have fixed that during the refinance process not a year later, right
Product: Credit reporting, credit repair services, or other personal consumer reports

some one is running my credit for credit card I didn't apply for anything
Product: Mortgage

This is a copy of yet another complaint I've had to file against Ocwen Loan Servicing, a criminal enterprise. 

Thank you for using the XXXX XXXX XXXX 's Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/2019 Filed by : XXXX XXXX Filed against : Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Complaint Description : Ocwen is trying to charge my account with a late fee. AGAIN! Every month I send my mortgage payment Express Mail with a tracking number because Ocwen consistently holds my payment for several days before it's posted to my account. Ocwen received my XX/XX/XXXX payment on the XXXX and charged my account a late fee on the XXXX. Ocwen received my XX/XX/XXXX payment on the XXXX and charged my account a late fee on the XXXX. I made another complaint to XXXX # XXXX in response Ocwen said that the charge had been removed. That was a lie. My actual mortgage is {$1100.00} every month I pay {$1100.00} a difference of XXXX. My XX/XX/XXXX statement shows " past due fees and other charges '' of {$51.00} with no explanation of the charge. Ocwen charges a late of {$52.00}. If you subtract the {$1.00} I overpaid in XX/XX/XXXX and January from the {$52.00} late charge you get {$51.00}. I never owed a late charge and Ocwen is misappropriating my funds. Any monies I pay over and above my scheduled payment should be credited to the principle not to a bogus late charge. This is criminal. 

Your Desired Resolution : I have made numerous complaints, nothing changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
XXXX  XXXX EXPERIAN I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 XXXX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 XXXX ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 EXPERIAN ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )
Product: Debt collection

I made several attempts to clear up this matter, every time I think its cleared up, its gets passed to another collection agency, who in turns reports it as a new account with incorrect dates.
Product: Student loan

I was systematically and illegally mislead at every stage of repayment options of several student loans given to me by navient while i was unemployed. It's mathematically impossible for me to pay these several loans back in this lifetime. It has ruined my credit and life since XX/XX/2009. I tried to Income based pay back just to help my credit for 5 years and my debt has gone up. I was just paying interest they said. Please Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a dispute to all 3 credit bureaus XXXX, Transunion, XXXX in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Checking or savings account

On XX/XX/2019, XXXX debited from my account {$170.00} usd for a fraud to my XXXX card, that day an adviser from XXXX XXXX XXXX asked me for my card to pay for something I had not used. 

That same XX/XX/2019 in the afternoon, debited from my account {$1000.00} usd without authorization and impersonating my Bank of America card, this money was fraudulently taken from my account, Bank of America was informed on XX/XX/2019 by phone and I reimbursed the {$1000.00} usd to my account, informing me that they would do the respective investigation reviewing the videos and the signature of whoever used the card including the police for the report of theft. 

Three months later, on XX/XX/2019, the Bank of America debited my account of XXXX XXXXUSD and {$130.00} usd of charges, informing me that the investigation made by them had been ruled against me. 

The Bank of America has not given me the documents with which I carry out the investigation, nor does it want to inform me why they made that decision, if it was not me who used the card and if a thief did it. 

I appreciate your intervention for the bank to return my money and charges and inform me why you have tried to damage my credit and my name also by law the bank of america must give me a copy of the investigation.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.