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

I applied for a Wells Fargo Secured Credit Card on XX/XX/XXXX with the intention to establish a credit history and graduate to an unsecured WF credit card as soon as possible. When I applied for the Wells Fargo Secured Credit Card, neither the Account Agreement nor the Terms and Conditions specified any restrictions on the eligibility for an upgrade to an unsecured WF card. On XX/XX/XXXX, after almost three years with the card and multiple contacts with WF customer service confirming that nothing on the account speaks against an upgrade of the account and asking for more patience, WF still has not upgraded the account. This appears to be due to a clandestine addition of restrictions on upgrade eligibility to the Account Agreement and Terms and Conditions by Wells Fargo without informing customers of these restrictions. Specifically, WF added a clause rendering individuals who are not " U.S. Citizens or Permanent Resident Aliens '' ineligible for upgrades. 

The attached files are the Wells Fargo Secured Credit Card Account Agreement that WF provided to the CFPB which does not include any language on upgrade eligibility, the current Account Agreement provided on WF 's website as of XX/XX/XXXX which does list such restrictions, the Terms and Conditions at time of application for the account ( XX/XX/XXXX ),  and files that document the timing at which upgrade eligibility criteria where added to the Terms and Conditions ( XX/XX/XXXX ) and to the Account Agreement ( XX/XX/XXXX ).
Product: Money transfer, virtual currency, or money service

I am filing a complaints against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX courts as well as Portfolio Recovery Asso. LLC which is the debt collector was aware of how to located me. 

XX/XX/2022 the above company was aware that I was the XXXX XXXX XXXX attorney, And per 15 USCS 1692 ( c ) communication in connection with debt collection talked about after attorney is stated they must only talk with the attorney representing the debt collectee. 

The above company was well aware of how to communicate with me since XXXX XXXX XXXX XXXX. They chose not communicate with me directly and instead communicated with the previous known address. 

There are many more violations other than the ones I wrote about.
Product: Credit reporting or other personal consumer reports

Violation 15 U.S. Code 1681i - XXXX XXXX XXXX inaccurate information with malicious intent. You have been provide with identification for this field and have fails to update it on numerous occasions. You have prolonged the dispute process while not once running an accurate dispute or reviewing dispute information. Delete, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX funding have all been disputed correctly at XXXX and removed from my file as the do not belong to me XXXX violation, willingly ignoring CFPB information as further negligence toward file.
Product: Payday loan, title loan, or personal loan

Comenity Bank is intentionally delaying the posting of payments so they can charge late fees. This has happened 3 times now. Despite the fact that my bank account show my payments posted 10 DAYS prior to the due date, they continually will not post the payment on their end until the day AFTER the due date. Then they charge me a late fee. Getting them to reverse the late fee takes weeks and several phone calls. All the while, the balance on the account is grown because of the fee. 
This loan is on a specific term of 0 % interest. I believe they are intentionally doing this in hopes that I won't notice and that I'll miss the payoff in time, which would result in owing them a bunch of back interest. I can not see how they can't show my payments as posted when it shows being debited from my checking account 10 days earlier. This company is a complete fraud and trying to take advantage of people. 
Please review attachments.
Product: Debt collection

( XXXX ) XX/XX/XXXX There was a fraudulent account opened and was charged off with a balance of XXXX. 
( XXXX XXXX XXXX ) XX/XX/XXXX another fraudulent account with a balance of {$1200.00} ( XXXX XXXX ) XX/XX/XXXX another fraudulent account with a balance of XXXX ( XXXX XXXX ) XX/XX/XXXX another fraudulent account with a balance of {$500.00} ( Westlake Financial SVCS ) XX/XX/XXXX another fraudulent account with a balance of XXXX This is ridiculous my identity has been compromised. There also inquiries and addresses on my credit report that shouldnt be! 
I've reached out to all the Credit bureaus by phone, mail several dispute letters Certified mail, provided documentation and nothing has been done!
Product: Debt collection

On XXXX, XXXX | sent out proof of verification letters to XXXX, XXXX, and Experian, the account in question is " XXXX XXXX XXXX ''. I have not been updated on this process even though I have disputed this account that is not mines. The following tracking numbers for proof of delivery for this letters are : XXXX ( Experian ) XXXX ( XXXX ) XXXX ( XXXX )
Product: Checking or savings account

I have deposited several XXXX dollars into the chime account. Now I am looking to make a car purchase and would like to transfer those funds into my XXXX account so I can put a down payment. Chime does not allow me to make a purchase of more than {$1200.00} a day. I can only draw {$500.00} a day as well. This is why I would like to transfer these funds into another account, but I am unable to. When I go into their mobile application, it does not allow me to perform this act. When I call the helpline, they tell me there is a glitch. But the glitch is ongoing and never fixed.
Product: Money transfer, virtual currency, or money service

Virtual Currency ( BTC ) was sold for US Dollars ( USD ) using XXXX/Coinbase. Two separate bank wires for {$10000.00} ( USD ) each were requested ( 1. XX/XX/XXXX at XXXX PDT Reference #  XXXX 2. XX/XX/XXXX at XXXX PDT Reference # XXXX ) from XXXX/Coinbase to XXXX XXXX XXXX . Wires were supposed to arrive within 1 business day. Wires have still yet to arrive. Contacted Coinbase and submitted a ticket on XX/XX/XXXX ( XXXX # : XXXX ). Received no response until I again emailed them regarding the ticket on XX/XX/XXXX. Received Response on XX/XX/XXXX saying everything should be resolved now. Neither the wires have been received nor has my XXXX/Coinbase account been refunded. Problem is still not resolved. Tried to contact XXXX/Coinbase again on XX/XX/XXXX. Have received no response.
Product: Bank account or service

Wells Fargo has every right to impose a monthly service fee on their customers however, that fee is really only applied to their poorer customers who ca n't meet certain financial requirements and are told to pay the fee or forced to jump over many obstacles in order to avoid the fee. By legal definition that is considered class discrimination. ( All Wells Fargo accounts have monthly service fees but customers can avoid those fees if they meet certain financial requirements. However, if your become poor and fall short of the financial requirements then your account is charged a fee and if you want to avoid that fee you must jump over multiple obstacles ). So in other words Wells Fargo 's wealthier customers get to keep their money at Wells Fargo for free but the poorer customers must pay a fee. I have been dealing with this complaint for over 5 years and nothing has changed. I have written to and spoken with over XXXX employees about my concerns. From supervisors to managers to their executive office but instead of Wells Fargo understanding my concern and helping me they instead bully me and have ignored me. This needs to stop because Wells Fargo has become to big and thinks they no longer have to adhere to our laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtain my free annual credit report from XXXX XXXX and XXXX online. After answering questions from Experian, the website denied my report. Experian questions included entering a city I previously resided that included my current city. I check the current city and Experian declined my report. The ID check should not include trick questions.
Product: Mortgage

My mortgage company XXXX XXXX XXXX XXXX. has not paid my county taxes. I have placed 7 phone calls to them to address the issue. 
I have placed 7 phone calls to Community loan servicing to address the issue on non payment on my county taxes. They at first argued with me by not acknowledging that it was county taxes and they kept referring to town taxes. I explained I have school taxes and city taxes that have been paid but not the county tax. I have faxed the tax lien to them at their request on XX/XX/XXXX. They promised to expedite the payment and that they would call to confirm. No payment and no call. On XXXX I again called and again explained the problem and was told they would send it to the tax department to " look into '' and that it would take about 2 weeks to address. I again called on XXXX and spoke to XXXX XXXX XXXX who asked me to email him the tax bill. He replied in writing that he had received it and that he would expedite it .He also stated that he would call or email me that confirmation it would be paid by XXXX. By XX/XX/XXXX I had still not heard back so I called again and spoke to " XXXX '' who stated that she would make it a priority to get this paid and that she would confirm by then end of the day. No payment made and no call made to explain the situation. My mortgage is paid on time every month and i have never missed a payment. there is no reason for them to not make this tax payment as there is enough in escrow to cover it. My taxes are being threatened to be sent to a tax lien at this point and I am just getting the same structured general response every time I call where they promise to take care of this within 2 weeks. Its now been 3 months and no action and each time I call I have to have the same conversation.
Product: Credit reporting

I bought a manufactured home from XXXX XXXX XXXX.Veteran Housing Program : This Account was established in XXXX XXXX it was supposed to be a Veteran Housing Program, but I think it was just a scam to cash in on homeless veterans. Per our agreement, we were able to voluntarily surrender this manufactured home without negative consequences if for any reason I could n't make the payments. Now it 's showing 2 months passed due, but there was never an attempt to collect this debt. I spoke with XXXX in the Financing Dept. at XXXX XXXX XXXX ( XXXX ) XXXX and she stated that " this account should n't show a pass due balance and nothing is owed on this account '' and because of this I am being denied housing. I requested a letter regarding this fact and she declined stating that " we do n't give out letters like that '' If you look at my credit report you will notice that this account was not reported until I exercised my option to voluntarily surrender, this account should have been reported when we opened the account but was never reported until XX/XX/XXXX, I paid on time until the day I surrendered and I never received any credit for the payment history. Also if you notice my credit report does n't reflect the purchase of real estate ever! Please re-investigate and correct or remove this erroneous error and update my credit file.I surrendered the home because I cound n't get refinancing after 2 years, because of the land it was on. That is the only reason, I loved that house and put in about {$25000.00} into the landscaping and up keep. I also have the the original receipts for payments that reconciled the account, which brought me to current when I left the property. 
XXXX in the finance department and I discussed this at that time and agreed on a exit property date. I made that date and made the payments. I know that there are consequences when one does not fullfil a contractual agreement. It was like a double edged sword, it was also used as a 1 ) benefit and 2 ) sale leverage for purchasing power, that one of your top sales people offered. I understand that I was ignorant going into this deal but that 's no excuse. I really thought this was a XXXX American Veteran Housing Program, so I believed everything that was told to me. If you will please get someone to update my credit report to show current.
Product: Checking or savings account

On XX/XX/2020, fraudulent activity was discovered on my account. My card was locked at this point by my banking institution. I was unaware of the fraudulent activity and my card being locked when I discovered that I couldn't make purchases. So I called my bank ( Bank of America ) to discover what had happened. Apparently, my personal debit card had been compromised. According to the representative I spoke to XXXX XXXX or XXXX? I don't remember ) Between XX/XX/XXXX and the XXXX a number of transactions had taken place on my account from another state totaling over {$1400.00}. I did not catch it myself because I have a large sum of money in my account and I am guilty of not reconciling regularly. And the fraudster got so comfortable that they even set up reoccurring payments on my account for their bills. Bank of America only red flagged my account once the fraudster tried to set up a digital wallet all with using my debit card information. Upon Bank of America requesting the fraudster to verify my phone number that was attached to my account, they discovered that it could possibly be fraud. The fraudster used their own personal phone number. This is what I was told from Bank of America 's representative. I told them that it was fraud. I had no intentions of setting up a digital wallet. And I have not set up reoccurring payments in the state listed in the transactions. From there on I filed a fraud claim. On XX/XX/XXXX I received two alerts at XXXX XXXX from Bank of America that my fraud claim was denied. In the emails they state that I can request the documents used to determine the resolution you could find the email in the document I attached. When I contacted Bank of America to get this information I was denied. And was told that I need a subpoena to request the documents on my own account of why they chose not honor my blatant claim and the documentation that should be available upon request by the consumer and owner of the account. I've been banking with Bank of America for over 13 years. I am upset this is how I am being treated. I had confidence in Bank of America to handle this appropriately. I had confidence in they're fraud protection. I had confidence I would never have to go through something like this where I have to prove my own innocence on my own account and to have to be treated as if the account is not my own. My account has not been frozen. My debit card was just locked. I need assistance. I called Bank of America once again yesterday XX/XX/XXXX and was sent to another department to request to have my account reopened and escalate my claim. a new representative have reopened my claim but if I want any of the information for the denial I still need a subpoena. What are some steps I could do to get this information from Bank of America who refuse to honor their fraud protection guarantees. Who must I see to get a subpoena for my account information? This is insane. I also found out that Bank of America does not do the criminal investigation into the fraud that is blatant there so I will put in the police report myself today. Please assist. Any advice is welcomed.
Product: Credit reporting or other personal consumer reports

I sent a letter asking for proof of ownership of the account with XXXX XXXX  and they failed to do so. I disputed the ownership of the account with experian and they did not verify the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have BEEN SENDING LETTERS SINCE XXXX! I have reached out to you all ( THE CREDIT BUREAUS ) multiple times in regards to disputing inaccuracies on my credit report and I feel like no matter what I do, I am being overlooked. You're either accusing me of going through a third party or wanting me to take the difficult route of disputing online when I am able BY LAW to just send you a letter. It's easier for me to dispute through letters because I'm able to put it all together in one. I have learned so many things about this process and I'm applying it. I want to apply it without seeming as though my disputes are too advanced for me to have done it myself. It is simple to learn things, especially when it comes to your finances. ALL I WANT IS FOR YOU ALL TO THOROUGHLY REVIEW MY DISPUTES. I am not trying to dispute with laws. There are actual incorrect marks on my credit report that I want removed or updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TransUnion XXXX XXXX XXXX XX/XX/2016 XXXX $ - account closed in XX/XX/2016 for XXXX but it shows open not closed and it keeps showin late. 
XXXX XXXX ( fraud asked for signed documents plus proof its me. Never received any proof and its still on my credit
Product: Debt collection

This company that calls itself XXXX XXXX, called my husband, mother, father and step brother all on XX/XX/2019. To which this company proceeded to let them know that there was a warrant out for my arrest and a subpoena for debt owed. I called the number that was given to them XXXX and the case number : XXXX. I called and asked for company name and Info and was hung up on. Second call was told to verify the last 4 of my social ( they had my complete SS # and date of birth ) said I owed money to Ace Cash. I said well I havent received any written statements in the mail. If I get a mailing I will pay. They said no. We will not send anything out, you will be served or pay through the phone with a debit/credit card. I said no, is there a website to send payment and get more info? and once again got hung up on.
Product: Credit card or prepaid card

The credit card company closed my dispute without giving me an opportunity to respond to the merchants feedback on my dispute. 

I have also been attempting to open another dispute, and have been unable to reach anyone at Chase customer service for over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'Simply Surplus ' to my Goldman Sachs Apple Card . Upon receiving an unusual activity alert I immediately froze my account and called Apple Card. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped 200 points. I have called XXXX  to file a dispute with them to amend my credit report. 

Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, XXXX  XXXX XXXX, on XXXX. XXXX, XXXX, Syncb/XXXX and on XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I made an atm deposit on Sunday  XXXX   XXXX  for {$450.00}. {$100.00} cash and {$350.00} check. I also submitted credit card payments for processing on Monday  XXXX   XXXX . I was unaware that the deposited funds would not be available before the debit of the credit card payments came out of the Account. I was charged {$35.00}  three  separate times for a total of {$100.00} over draft fee which is outrageous. The account is always in good standing and never overdrawn.
Product: Credit card or prepaid card

Synchrony bank/care credit is one of the worst financial institutions that I've ever worked with. I ask them for months to provide me with a settlement and they refused saying that I would need a late payment for them to offer me a settlement. They then charged off my account and proceeded to report it wildly inaccurately to all three credit bureaus. I've asked that it be corrected or removed at least 10 times and they refuse to do so. In addition, they have charged large and unnecessary fees to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX ,   XXXX   and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.