23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Capital One Auto Finance and Credit card service been supplying XXXX XXXX, XXXX, XXXX and XXXX with harmful and negative information on me for over three years. These event are choosing me to loose sleep, develop XXXX hair loose, XXXX XXXX XXXX, waking up with night sweats, est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX  instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.
Product: Credit card

I have been a discover card member since XXXX without issue. 

On XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made on my card at XXXX XXXX XXXX XXXX XXXX XXXX. I have never purchased anything from XXXX XXXX XXXX. I noticed these on XX/XX/XXXX and called Discover right away to alert them to the fraud. The day after I alerted discover ( XX/XX/XXXX ), 4 more fraudulent charges came in from XXXX XXXX XXXX. The following day ( XX/XX/XXXX ), 4 more fraudulent charges came in ( again! ) from XXXX XXXX XXXX. I called discover again on XX/XX/XXXX inquiring why they are continuing to allow these charges to come in. They said that they made an error processing the original fraud alert. I requested to speak to a supervisor. They indicated a supervisor would call back within 24-48 hours. A supervisor never returned my call. I called back on XX/XX/XXXX to speak to a supervisor again. Again I was told 24-48 hours. Nobody returned my call. I called back on XX/XX/XXXX. Again, I was told 24-48 hours. Again, nobody returned my call. 

It appears that Discover has still not opened an investigation into this matter. Nobody returns my calls and I have no way of knowing what is going on with my account. To prevent further fraudulent charges from XXXX XXXX XXXX, I was forced to close my discover card on XX/XX/XXXX. 

I am very disheartened to see that discover does not investigate fraudulent purchases.
Product: Credit card

I purchased several cases of XXXX XXXX XXXX XXXX XXXX for my bathroom from lowes and after 60 days my contractor was finally able to install it however the planks kept coming apart on the long way and splitting so after the second case, and consulting with a second contractor, we attempted to return the unopened boxes to Lowes who then refused to return them ( well within return window ) I eventually called Synchrony bank but was given the run around and was refused multiple times to file a dispute. Eventually when I was granted the ability to file a dispute, I was told it would take 60 business days to render a decision and I would not get credit before that time. I agreed because my card was paid in full anyway, but at the conclusion I was told it was not found in my favor because I didnt return the merchandise. I asked to speak to an escalation agent because I had attempted numerous times to return the merchandise but lowes refused each time the agent then stated she would contact me within 10 days to let me know the outcome. I received a call from Syncrony approximately 9 days later stating that the dispute had been found in my favor and since I had no balance I would be receiving a refund check for XXXX it took me a week to cash it because I had just had XXXX, but was thrilled, until a month later when I got a alert on my credit monitoring stating I had a new charge of XXXX and 95 % credit usage on my Synchrony card. I called and disputed it, and it dropped to {$0.00} but then right back up it went. I still have the photo of the check and have the copy of the stub attached to it saying refund however now Synchrony has been forcing me to make payments monthly or ruin my credit
Product: Money transfer, virtual currency, or money service

Coinbase transfer to a FRAUD SCAM Brokers - XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX XXXX! 
I would also like to point out that on XXXX XXXX - I filed a dispute with Coinbase.
Product: Mortgage

I had a mortgage with wells Fargo but they foreclosed.. they wouldn't help me modify my with my mortgage.to save my home... .i wan na make sure they don't owe me money in damages...
Product: Credit card or prepaid card

Instead of working with me to help when I have been struggling they not only contacted friends of mine but also filed a lawsuit against me. Now they are trying to scare me into settling.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years these bureaus have automatically placed extended fraud alerts on my credit file each time I am advised the alert or consumer statement is added i call and write in to have it removed. They all remove it and within 45days its re-entered the main issue I have with alert it always have a phone number I have never provided or have access to. Overtime they have system glitch issue the alert and incorrect phone number and numerous inquires are added onto report without my doing or knowledge. From time to time good accounts that are mine paid onetime are removed, blocked stopping the creditors ability to report. And late payments on accounts that creditors have sent in letters to have late reporting removed.
Product: Mortgage

Loan is on my credit for a mortgage with PHH mortgage Service for {$450.00}
Product: Credit card

I called Wells fargo Financial credit card services about the late payments reported on my credit report to see if it was correct. The customer service told me " its a bank error because they set it up to come out my account on the wrong date of the month ''. I asked them, so what do I need to do to fix the problem. They told me to fax their dispute department a letter saying " customer service informed me that the whole time they was withdrawing money out of my account. It was set to the wrong date ''. I also had to fax them a copy of my credit report showing the late payments from XXXX XXXX to XXXX XXXX. That was last month sometime when I did that, I called wells fargo XXXX other times trying to get some help. But all they do is tell me to dispute it saying its a bank error and the dispute department will fix it. The XXXX time i called I asked them if they can just notate my account saying its a bank error since thats what they been telling me to put, and they say I have to do this on my own time they can not do it for me. So I have to find a way to fix it even though I do n't have access to what they have. I do n't understand why the XXXX departments do n't communicate between each other to make there customers happy. Now I ca n't apply for a house because the late payments on my credit, I have to wait for a yr.
Product: Debt collection

On XX/XX/2022 an account was opened in my name without my consent for a card from XXXX XXXX XXXX XXXX XXXX I have not applied for this card. Also on XX/XX/2022 another card from XXXXXXXX XXXX without my consent
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Credit reporting or other personal consumer reports

XXXX {$1500.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit card

I signed up for a new XXXX XXXX citi card. I did not receive the card, and couldn't set up online payments, on my original call they said they couldn't take over the phone payments at the time because the card wasn't activated. I received a new card, but due to technical issue on the site I can't activate or sign up and can't pay the card online. Due to this my I received a delinquent mark on my credit history. This is causing me issues with my banking institution
Product: Checking or savings account

My debit card is locked and they are refusing to give me a code to unlock my card without going physically to a bank. Most of the Bank of America 's are closed due to covid. They are withholding my funds that I need access to for food. 
This has been an ongoing issue that hasn't been resolved for 2 days and now it's Friday. I want something done.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint through Cfbp 's portal alerting Experian of the fraudulent items on my credit report and also attached proof of IDENITY in the complaint. It's now been over 38 days and Experian hasn't deleted all of the unverified, incomplete, inaccurate, or fraudulent items even though by law under 15 U.S. Code 1681c- they should have blocked this information in 4 days. I have done everything Experian has asked now I'm requesting an Experian employee sign a letter under penalty and perjury that the accounts in question are mine. This is defamation of my character. I'm stressed so bad. Please black this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am undergoing a shortsale for the sale of my home with my mortgage holder ( Bank ) and have a negotiator working on my behalf to get a settlement. The Bank offer me a {$30000.00} promissory note settlement and I countered with {$10000.00} no interest. They then countered for {$10000.00} with 6.625 % interest and I accepted, and now the Bank is refusing to accept this arrangement and threatened that if I dont accept {$15000.00} promissory note that they will foreclose on my home. How are they able to change their last offer ( which I accepted ) and try to back me into a corner? I have their offer in writing. Please help ...
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I made a payment to release a package I had to pay to customs. The total was $XXXX with the fee and everything the total was $XXXX. It was a transaction I made through Paypal and I was supposed to be paid a total of $XXXX. However I didn’t received anything and ended up losing $XXXX that I paid and the device that i sent.
Product: Checking or savings account

Fifth XXXX bank is offering a promotion for new users, allowing them to gain {$350.00} after completing a direct deposit of a certain amount. I completed everything that was required and still my credit was not honored they never redeemed the bonus into my account. The only reason I made the account was to take advantage of the offer. They are telling me the code was never added to my account. This is false.They keep running me in circles never expected anything like this from a big branch, especially over a {$350.00}.
Product: Bank account or service

Wells Fargo & Company is violating the Federal Fair Debt Collection Practices Act by aggressively threatening to sue myself and my mother ( co-signer ) of a student loan when Wells Fargo & Company is well aware that I have served Wells Fargo & Company with a cease and desist letter AND according to the consumer contract ( which Wells Fargo & Company refused to provide to me ) the contract forbids court cases and requires all cases be brought via Arbitration. 

Wells Fargo & Company is violating the Fair Debt Collection Practices by making false threats that the allege debt will go to court even though Wells Fargo & Company is well aware that bypassing the Arbitration agreement would be illegal and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card account was removed from credit file back in XXXX of 2019 in error. XXXX XXXX has reinserted the account to all three credit bureaus XXXX, XXXX, and Equifax is the only credit file that my account is not reporting to. This continues to go back and forth XXXX  XXXX says contact Equifax, Equifax says contact XXXX  XXXX credit card services this makes no since I am the consumer I have been paying a bill for a credit card account that does not reflect my credit that is in good standing. I need assistance with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous credit score from all three credit bureaus, impacting ability to obtain credit, etc.
Product: Credit card or prepaid card

Bank of America won't give me the {$1100.00} remaining on my deceased daughter 's EDD card. ( I am her heir. ) They received all the required paperwork last XXXX 2020, and the required authorization from EDD, and have told me the disbursement team will send me the check, but even after getting my state Senator 's office involved... nothing! 

The beginning of XXXX I was told I'd receive the check. The end of XXXX I was told I'd receive a call back telling me when the check would be sent... nothing! 

No calls, no follow ups, no check! 

Even after the Senator 's office gave me an email with the authorization she received from the EDD, it took me two phone calls, talking to multiple people, to get them to say they'll send me the money, but still... nothing!!! 

My Bank of America case # XXXX
Product: Credit reporting or other personal consumer reports

I initially reported this on XXXX XXXX and nothing has changed. XXXX XXXX is reporting duplicate information on my credit report. the credit information is reporting on Experian and XXXX credit bureaus. I submitted a credit report to them showing the error and I submitted a dispute trying to correct it. Both the credit bureaus and XXXX XXXX  have ignored my request. I am a minority single female who is feeling discriminated against by XXXX XXXX. I have submitted multiple requests and I have been ignored on them all .. Experian sees the accounts are duplicates but still ignores them .. its in plain sight. The account number only differ by XXXX in front .. every thing else is the same. They are deliberately not trying to correct error.
Product: Mortgage

On XX/XX/XXXX I contacted mr. Cooper also known as Nationstar bank to apply for a refinance cash outloan. I talked with the lender and submitted all required documentation the lender. They inquired as to my reason for money to cash out on my property I indicated that I was going to be doing some update repairs or Renovations paying off past that with the funds. I was then emailed a quote which showed the amount that I would be receiving at closing in the fees associated with taking out this kind of loan the lender then indicated to me that because other borrowers defaulted on a refinance loan it would be difficult to get my loan approved. I was also required to send over pictures of my home and was also told that I would have to prove that I live in this home. I then contacted the lender again for specific reasons as too why my loan was being denied and was simply told oh we don't do those types of loans. on XX/XX/XXXX, I emailed the lender again asking for specific reasons as to why my loan was denied and they refused to respond or sent out any denial letters.
Product: Mortgage

We are refinancing a loan. Wells Fargo is the current lender. They can not send us a payoff amount for the loan. We are trying to close on XX/XX/2018 or XX/XX/2018 and they have said they can not get us a payoff for at least one week.
Product: Credit reporting or other personal consumer reports

Furthermore, I would like to draw attention to the continued presence of outdated information on my credit reports. Despite the passage of time, certain details, such as addresses, names, and other personal information, have not been appropriately updated. This perpetuation of outdated information is not only inaccurate but also hinders an accurate representation of my current creditworthiness. 

Under the FCRA, consumer reporting agencies are obligated to ensure the accuracy of the information they report. The inclusion of obsolete data violates the spirit of this requirement and may mislead those who rely on these reports for accurate assessments. 

Therefore, I request the immediate removal of any outdated information that no longer accurately reflects my current circumstances. This includes, but is not limited to, previous addresses, names, and other personal details that are no longer applicable. 

I trust that, in accordance with the FCRA, the credit reporting agencies will conduct a thorough investigation into this matter and promptly rectify any inaccuracies, ensuring that my credit reports accurately reflect my current and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find the XX/XX/2019 results of TransUnion. They DID NOT validate or verify the four XXXX XXXX accounts that should have been removed a long time ago from my report. You will see letters from XXXX XXXX stating they don't have a copy of original contract, signature, video or phone of me asking for a line of credit and asking ME for more information. So how is it that TransUnion can validate or verify the accuracy of their reporting? In addition, I have attached proof that a judge signed off and this is NOT allowed to be on my credit report. Under the FCRA/623, " if the reporting is not 100 % accurate, it has to be removed ''. In addition, I am entitled to {$1000.00} per wrong information reported on my report. And furthermore, under the FCRA, these accounts can not be reported with a BALANCE, which should read {$0.00}, and for this reason alone all accounts HAVE TO BE REMOVED IMMEDIATELY. 

This is not a duplicate report and needs to be fixed. I have been pursing the removal of these account since going in front of judge XXXX XXXX. Trans Union is the ONLY company who refuses to remove these accounts. XXXX and XXXX have removed them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated account that has surfaced on my credit report. After thorough examination, I have identified an installment account that does not accurately reflect my current financial status. This discrepancy spans my entire credit profile, including inaccuracies in Account Numbers and the covert concealment of certain account details, which contravenes legal statutes. 
XXXX XXXX XXXX XXXXXXXXDept of ED Loan Amount XXXX {$4500.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment. These disparities have been meticulously documented across all credit bureaus and will serve as vital evidence as I endeavor to rectify the inaccuracies within my credit report. 
Additionally, it's crucial to note that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' may constitute violations of consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). 
The outdated account I am disputing are as follows : I appreciate your prompt attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA regulations, I insist on receiving a response within 30 days from the date of this correspondence. Failure to address and rectify these inaccuracies within the stipulated timeframe will leave me with no alternative but to pursue further legal action against the credit bureau.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a business banking account with XXXX XXXX. I was denied based on information provided by XXXX XXXX XXXX. I requested a report from XXXX XXXX XXXX and proof of information reported. 

I received a report online and disputed the information on the report as it was found to be incorrect. 

No proof was ever sent to justify reporting incorrect banking information. 

I am requesting all information to be removed as the information proof has not been provided to me per request. 

This is preventing me from opening accounts and also can result in closing accounts
Product: Vehicle loan or lease

I have been making my payments on time for the entirety of my loan so far. I recently fell into a financial hardship due to the on going pandemic. I contacted my Loan provider Capital One today ( XX/XX/22 ) and requested an extension on this month payment ( XXXX ). I was then told I did not qualify to have the payment extension. No explanation was given. Capital one website states they are here to help customers who are in an hardship, but yet I was not accept. Now I will have to lose my car since they are unwilling to help me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which 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 platform 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 inconveniences and and financial loss and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which 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 unf
air 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!