23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Could n't use card with my payroll on it to pay my bills and buy things that was needed for home, i had late fees to pay and my phone was disconnected because of rushcard
Product: Credit card or prepaid card

I applied for a Wells Fargo credit card no interest for 18 months on line. I received a email explaining that I should receive or be denied with in 7 days. After not hearing from them in 7 days I called and spoke to a live representative. She informed me that I couldn't be identified by my phone number. So I gave her my house number in which she said I could be identified by this number. However, I was on the road and could not get to the number so I suggested going into a branch. She said that for me to take two identification to a banker at one of the branches. I went into a branch in XXXX XXXX explained the issues gave my XXXX cdl license, US passports, and my Social Security card. However, this was not enough even though I had two previous account with them. I explained that these unnecessary procedures was due to my racial heritage. I have applied on line for credit cards before and due to my credit 99 % I was approved as soon as I submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Credit reporting, credit repair services, or other personal consumer reports

loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXXthat there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to remove the bankruptcy on this account and all the other account associated with it. This is a violation of Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). I am requesting the information be removed. XXXX a sup from Experian states by law they are allowed to gather information without my consent. I am demanding this to be removed.
Product: Credit card

Our lender is requesting an updated barclays statement with account number and balance ( not an uncommon request ). I called on XXXX and was told that their systems are down and it would take up to XXXX hours to complete. XXXX hours later the request was not completed. I called again on XXXX and they said they would email it by XXXX. They did n't. I called at XXXX on the very same day and they said it would happen by XXXX. It did n't. I called again at XXXX and they told me that the person I spoke to on Tuesday did n't create a case number. This is unacceptable as our financial future hangs in the balance. How is is that every other major credit card company was able to comply with a very common request within minutes, but barclay 's was unable to. This does n't seem fair or right that I will incur financial loss from their incompetency. Also, how is it possible that a financial institution has no backup plan for when systems are down. They keep saying their fax is down. In 2015, really?
Product: Checking or savings account

on XX/XX/XXXX, i attempted to make a withdraw from my account in the amount of {$500.00} at a XXXX XXXX XXXX XXXX ATM. When making the withdraw from my Navy Federal Credit Union account using my ATM/Debit card the ATM only disbursed {$250.00}, XXXX - {$10.00} bills. Which equates to {$250.00}. After contacting both banks about this error neither bank will accept the irreputable proof based off of their own ATM transaction log.
Product: Mortgage

Late last year I submitted a complaint regarding primary residential mortgage company. I had made an arrangement to pay my mortgage current. Before this day even arrived they had mailed a letter to me regarding my mortgage being in default. They sent also sent someone to my home to hand deliver a letter with the same information. This man who delivered the letter, then stood in my drive way taking pictures of my home. My children were home and upset that this person was on our property taking pictures. I submitted a complaint regarding this matter and the mortgage company answered stating that they were justified. This in my opinion is harassment. This is my home. This is embarrassing and on the mortgage company 's part, very unprofessional. I may have had issues meeting my payment but my family and I still deserve privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts.
Product: Checking or savings account

Ive been a satisfied Capital One customer for more than 40 years, transitioning from XXXX XXXX post-acquisition. Regrettably, I can not exaggerate my disappointment in your decision to transition from an electronic bill-pay application which I believe was industry-leading from a customer perspective to one which is demonstrably worse. While there are several onerous process requirements which had not previously existed, one change is particularly egregious and conjures up visions of the business practices of XXXX XXXX Bank, a comparison which any bank ought to find embarrassing. 

For many years with the Capital One bill-pay application when I selected a creditor to whom I wanted funds transferred the latency was a single business day. No reasonable person would ask for something timelier. What this clearly illustrates is that technology and standards make doing so achievable. I strive to meet my financial obligations as close to on-time as possible. Doing otherwise is economically disadvantageous to me. With the new bill-pay application Im forced to meet my obligations seven days in advance of the vendor due-date. Its a benign change to the vendor but economically disadvantageous to me ; however, it is economically advantageous to another party, presumably Capital One, in a significant way. 

My family has approximately {$4000.00} in recurring monthly obligations to various creditors which we meet using Capital One accounts in our name and its electronic bill-pay application. With the new application, Capital One debits my account on day N but reserves the right to delay transfer of those funds until day XXXX. Some families transfer more while some transfer less than {$4000.00}. Using {$3000.00} as an average, the math says that {$3000.00} x XXXX customers of Capital One places {$1.00} XXXX dollars somewhere, but not in your customers account and not in the vendors account. Where is that money for those seven days, what is it earning, and in whos account are those earnings deposited? ( These numbers are fictitious and intended to indicate scale. ) Recall that with paper checks, my account is debited when, and only when, my creditor cashes a paper check sent to him/her. Ironically, technology imposes up to a seven-day latency during which the funds are neither in my account ( earning interest, however modest, to which I am entitled ) nor in the account of my creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections on my credit report inwhich I have no knowledge of, the following accounts has been disputed, however, I was never provided any physical verification as promised by the FCRA. According to the FCRA if the disputed items is not backed up with physical verification then them accounts shall be removed. The following accounts are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )
Product: Credit card or prepaid card

I previously expressed to the Discover Executive Office that the payment was too high considering the balance is cut in half. So then I proceeded to log into Discover and make a request for XXXX XXXX  on XX/XX/XXXX. Never got a response to that request whatsoever. 

Today is XX/XX/XXXX and I logged in again to see if there was any response and there was nothing. So I clicked on message an agent and expressed the issue. My message : I sent a credit assistance request on XX/XX/XXXX ( it is still in my sent folder in the Discover messages ) and no one has replied at all. The Reply message : One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. My Message : It looks like someone is typing. Are you there? The Reply Message : Hi, this is XXXX in XXXX XXXX XXXX, I appreciate you reaching out about this. I'm sorry to hear that you have not received a response. To make sure I best assist can you please clarify what type of assistance you are needing? My Message : the payment I can not do this month. I also realize that since I closed the account the deposit was applied to the balance so the payment minimum will be far lower next month ( 3 minutes go by ) My Message : Still there? The Reply Message : Thank you for reaching out to us! Our representatives are currently out of office. We are available Mon-Fri XXXX ET, Saturday XXXX XXXX, and Sunday XXXX ET or call us at XXXX. My messages : What happened to 24/7 customer service? I guess I will have to file a complaint with the Consumer Financial Protection Bureau since the previous agent simply ended the chat. Hello? That is extremely rude to not even respond directly! 

No one ever responded to me directly nor came back on the chat. First it said there is 24 hour US based customer service and then I am simply ignored after that with some generic message posted. The point of accessing the chat is because no one responded to my initial email through the discover website. NO, I can not call in so email and chats are my only option.
Product: Debt collection

I been receiving harassing, abusive, threatening phone calls repetitively from Hunter Warfield , Inc . Call Center Debt Collection Representatives for a collection account that is not my account and is the result of identity theft. Hunter Warfield representatives has been harassing me, using abusive and obscene language and making threats of violence and death against me for a collection account thats fraudulent, not my account and is the result of identity theft. The following collection account is fraudulent and not my account : Hunter Warfield , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2019, {$6200.00}. Hunter Warfield , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

Cap One letter XXXX dated XX/XX/XXXX Why is still XXXX chargeback credit still pending? {$33.00} other 3 have been credited (! ) I do not understand XX/XX/XXXX letter, do you need any other info paragraph 2 says '' decision remains unchanged '', what decision are you referring to? XXXX {$33.00} no credit afforded, if so why? 
Do you need more info? 
XXXX had State of Emergency and cancelled all domestic flights. My XXXX flight to get there was refunded by Capital One Expalin, please
Product: Debt collection

A debt owned by my husband in a non-community property state has been reported on my XXXX XXXX credit report, damaging my credit score from a 620+ to now XXXX or lower. When contacting H & R accounts in XXXX, IL they repeat themselves saying it is my financial responsibility when it is not, and refuse to help saying I will have to take legal action instead. 
I've had success in removing the debt from XXXX, but since then they've placed the collections on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX  and they stated to me I was never late on my mortgage and sent me a statement showing I was never late. But the XXXX XXXX XXXX is showing late payment even after sending the statement to them.
Product: Money transfer, virtual currency, or money service

I sent a XXXX Deposit to Coinbase on the XXXX XXXX of XXXX. 

They say that a XXXX Deposit will be available in your Coinbase wallet after 3-5working days. 

It still is not available. 

I have tried emailing and calling everyday and I am get no information. 

Customer services do n't appear to care and I 'm worried that I will never see my money again. 

Please help me put pressure on them. 

My account is : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance with a persistent issue regarding unauthorized hard inquiries on my Equifax credit report, which I have been unable to resolve despite multiple attempts. I am concerned that these inaccuracies are a result of data breaches I have been a victim of over the past two years, involving companies such as XXXX, XXXX, and XXXX, among others. 

Details of the Issue : Unauthorized Hard Inquiries : The following hard inquiries, which I did not authorize, are reported on my credit report : 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  Actions Taken : I initially requested information from Equifax regarding these inquiries starting in XX/XX/XXXX. I followed up on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. Despite these efforts, Equifax has informed me that they do not have documentation to validate these inquiries but has refused to remove them from my credit report. 

Relevant Legal Framework : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain and report accurate information. 15 U.S.C. 1681i provides consumers with the right to dispute inaccurate or incomplete information and requires credit bureaus to investigate and correct errors.

Consumer Protection : The FCRA mandates that any inaccurate or unauthorized information, including hard inquiries, be investigated and corrected. Failure to provide proper documentation to validate such inquiries and refusing to remove them violates these protections.

Identity Theft Protections : Given the context of known data breaches affecting my personal information, the Identity Theft Act ( part of the FCRA amendments ) provides additional protections against fraudulent activities and unauthorized inquiries resulting from such breaches.
Product: Credit reporting or other personal consumer reports

the amount of my balance sheet for the month of XXXX XX/XX/year> is XXXX XXXX and the one reflected in my credit report is XXXX $ to XX/XX/year>. which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ACCT # XXXX CHARGE OFF BALANCE This was a secured credit card. The account has been CHARGED off but a balance remains reported on my credit report. I have requested several times for an investigation into the continued reporting violation and haven't gotten any results. They continue to VERIFY as accurate. This has been done without any changes being made, not even an update to this balance.The credit bureaus continue to allow this although it is a clear violation to continue reporting inaccuracies. This account should be DELETED.
Product: Debt collection

I received an YET ANOTHER alert today on my XXXX  account about a payday loan from XXXX and it's now XXXX. I filed a identify theft report when I found out in XXXX and it was removed and now 7 years later they are doing it again. I called directly to MidWest Recovery and was placed on hold several times and when I did get someone he was rude and acted as if he was doing me a favor. The practice of reporting old debts especially ones obtained falsely puts enough difficulty on the consumer on TOP of getting it rectified. There is no reason for these poor business practices and horrible service. I keep files of everything and I shouldn't HAVE TO when I did what I was supposed to years ago. MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXXI called that # several times and the the manager by the name of XXXX had the audacity to lie to me and say they are ALLOWED TO CHANGED the date of the collection and it doesn't change anything. It is ILLEGAL to report a old debt as new UNDER ANY CIRCUMSTANCES. It clearly says opened XX/XX/XXXX. This debt would have been removed yet again due to 7 year mark alone! I have complained SEVERAL TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2021, I contacted TransUnion & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX XXXX I informed them & provided documents stating that this account needed to be removed as XXXX XXXX XXXX is committing several FCRA violations. Thus far, TransUnion has refused to remove that account. At the same time that I contacted TransUnion, I also contacted XXXX XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX XXXX  via mail dated XX/XX/2021, that this account does not exist. Therefore TransUnion immediately needs to delete / remove this fraudulent account from my consumer report within their database.
Product: Payday loan, title loan, or personal loan

Wells fargo ( brazen ) abuse of clients, as well as lack of respect for the finical sector, to which such brazen criminal activities, gives this sector a bad name. I Have been having this problem with wells fargo, but it became blatant when I got injured on the job and was placed on XXXX since XXXX. Whenever i pay cash, this money would disappear and they literally tell you the money disappeared and was not applied to my principal. Wells fargo has been trying to take my car from me even though, they have been paid. Here is how brazen, shameless, dishonest, they are : So if on XX/XX/XXXX they stated that amount due to pay off entire loan, was $ XXXX.and payment due date is XX/XX/XXXX. Here they made no mention of payment received on XX/XX/XXXX in the amount of {$360.00} which was paid on XX/XX/XXXX. AT which time the overall balance owed to them, they stated was {$850.00} to pay off /or satisfy total amount due for car loan. 
The XXXX XX/XX/XXXX payment of {$360.00}, should have been subtracted from the total owed of {$850.00}, but was not. Even that {$850.00} is questionable due to their history of dishonesty. Since the XX/XX/XXXX statement of a balance of {$850.00} : The Following payment has been paid by me. 


1. On XX/XX/XXXX : a payment of {$360.00} was made to wellfargo so $ XXXX {$360.00} = {$480.00} 2. On XX/XX/XXXX : A payment of {$300.00} was made to wellfargo So $ XXXX {$300.00} = {$180.00} 3. On XX/XX/XXXX : A Payment of {$400.00} was made to wells fargo So {$180.00} owed, and i paid {$400.00} $ XXXX XXXX [ overpaid by me ] 4. On XXXX XXXX : A payment of {$300.00} was made to Wells Fargo . 
So XXXX = {$510.00} so a total of {$510.00} was overpaid by me unknowingly to wellfargo. I didnt realize I was overpaying because of their dishonesty, Yet they keep coming at me for more money, and if they had there way they would take my car. This is shameful. wells fargo needs to do the right thing. 
stop harassing me and return my {$510.00} .00 I overpaid Send me the necessary paperwork stating my car is fully paid for. 
pay me for the stress they put me though over the years [ well this will nt be worked out here, this part will be dealt with by the right entity. 
Stop!!!! stop sending me harassing statements that i owe them money. 
develop some conscience and integrity
Product: Checking or savings account

Since XXXX XXXX, Chase Bank has neglected legal requirements to make my sister and me account holders on our deceased mother 's XXXX business checking accounts. Each of the XXXX business accounts currently has XXXX account holders : the name of the business and the name of my deceased mother. My sister and I are legally entitled to be account holders on XXXX legal grounds. First, my sister and I are now the only co-owners and only co-managers of the businesses. Second, my sister and I are the only XXXX heirs of my mother 's estate. Third, I am the personal representative ( a.k.a. " executor '' ) of my mother 's estate and have the legal power to manage the estate 's affairs to carry out the intent of my mother 's will. I have submitted all the legal documents that XXXX claims that it requires. However, XXXX has not made us account holders and has not offered a reason. This puts hardship on my and my sister 's abilities to run the businesses.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Coinbase for unjustly locking my account, withholding my funds, and blocking my withdrawal, totaling {$35000.00}. I am not able to withdraw my money for over 6+ months without a clear explanation. Despite my multiple attempts to resolve the issue by providing them all the required information, Coinbases online customer support has been unhelpful and has repeatedly cited " security reasons for restricting my account '' without providing any further details and resolution. 

Timeline of Events : XX/XX/XXXX : Coinbase restricted my account, preventing transactions, withdrawals, or deposits. 

XX/XX/XXXX : Customer support instructed me to complete ID verification, which I did, including submitting a photo of myself and my government issued ID. I was told to wait for an email to confirm verification. But no verification email was received. 

XX/XX/XXXX : When I attempted to withdraw my funds, Coinbase blocked the transaction. Customer support again stated my account was locked for " security reasons '' but refused to provide specifics. They ultimately ended the conversation without resolution. 

My funds, consisting of cash ( {$34000.00} in XXXX ), and the remaining {$1200.00} in Crypto assets ( XXXX, XXXX, XXXX, etc ), have been locked in Coinbases platform since XX/XX/XXXX, and I have been unable to access and withdraw them. Coinbases irresponsible failure to provide transparency and a resolution has caused undue financial harm. 

I request immediate assistance in retrieving my funds from Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

i file a dispute with these two company XX/XX/2020 and i still have yet received anything from them.