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

I invested XXXX and had profits in there late XX/XX/2021. I went in to change my password and on XXXX I was locked out of my account and you Have NO ONE you can REACH or call and TALK to at the company! So frustrating. On XXXX I finally get an email I can back in and all the money is gone except XXXX!! There is a potential Class action law suit someone started from XXXX with many saying the same thing they are locked out and money is gone! 
Feel free to go to XXXX and Type in Coinbase Class Action law suit. Lots of allegations on this company. All I know I want my money back and profits and an explanation!
Product: Checking or savings account

XXXX was stolen from my bank but wont retrieve my money or I was victim of identity theft!
Product: Credit reporting or other personal consumer reports

I WAS HAVING DIFFICULTIES ACCESSING MY CREDIT REPORT SO I CONTACTED CUSTOMER SERVICE. I WAS ABLE TO GAIN ACCESS TO MY REPORTS WHEN I REALIZED THERE WERE FRAUDULENT ACCOUNTS AND PERSONAL INFORMATION BEING REPORTED. I WAS TOLD BY THE REPRESENTATIVE THAT I NEED TO SEND IN MY REPORT AND PROOF OF IDENTITY. THERE WAS ALSO TWO DIFFERENT SOCIAL SECURITY NUMBERS REPORTING AND ADDRESSES. THE ACCOUNT WAS REMOVED AFTER DISPUTING IT THEN IT REAPPEARED ON MY CREDIT REPORT AGAIN I CONTACTED THE BUREAUS AND THEY REFUSED TO REMOVE THE ACCOUNT STATING THAT THE CREDITOR SENT THEM INFORMATION THAT THE ACCOUNT WAS MINE. I ASKED THEM TO PROVIDE ME WITH THE INFORMATION ALSO THE CONTACT INFORMATION FOR THE CREDITOR AND THE REPRESENTATIVE SAID THAT THE CREDITOR HAS NO NUMBER TO REACH THEM AND THAT I SHOULD FIND IT ON XXXX. I ASKED FOR THE FULL ACCOUNT NUMBER AND HE STATED THAT HE DID NOT HAVE THE FULL ACCOUNT NUMBER AS WELL. HE GAVE ME ACCT NUMBER XXXX FOR XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year> AND XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have been trying to log into my online Equifax account to my unfreeze my credit report so that I can start internet service at my new home. The internet provider requires all three credit bureaus to be unfrozen. I was able to do so within minutes of accessing XXXX 's and XXXX 's online portals. Equifax 's online portal, however, refused me access, despite me providing information exactly as it appears on my credit report. Equifax told me to call. When I called, the automated service put me through the same hoops as the online service, only to give me the same error about being unable to access my account. I tried online again, and the system said they would mail me a verification code. That verification code was either never mailed, or mailed to an old address to which I have no access. I have not been able to speak with a human being to confirm. I have been trying since I moved into this apartment 10 days ago to lift this credit freeze with Equifax. When it comes time to set up the rest of my utilities ( in the middle of winter, mind you ), I will need this report unfrozen so that *I* will not freeze. This is an absolutely insane lack of concern for customers timely access to the important task of unfreezing a credit report. XXXX and XXXX have it figured out ; why can't Equifax get it sorted?
Product: Credit reporting or other personal consumer reports

I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Student loan

My issue is related to the CARES Act payment pause. I have a series of federal student loans, which were under the XXXX plan. I decided to make voluntary payments ( one as a direct transfer on XX/XX/XXXX and the other as a private student loan refinance on XX/XX/XXXX ) i during the pause. However, my financial situation has changed. I have requested a refund of those payments, as allowed by the CARES Act and regulations, so that I can return to my XXXX repayment plan with reinstatement of my federal loans prior to these payments. MOHELA has started the process on the payment made directly on XX/XX/XXXX ( based on a phone conversation with them on XX/XX/XXXX ), but they have provided confusing and mixed advice about the payment made on my behalf by the private student loan folks. I have attached their email messages for review. The first ( XX/XX/XXXX ) said that they thought it was handled already ( which it was not ). The second message ( XX/XX/XXXX ) said that private loans are not eligible for a refund. I agree with this part. However, the payment pause is a different and unique situation. The private student loan refinance payment was a payment made on my behalf during the payment pause, and I am asking for the refund of that payment and reinstatement of my federal loan package. As soon as I receive this refund, then I can pay off the private loan with the proceeds. The third message ( XX/XX/XXXX ) then stated that I'm not eligible for a refund of that payment because it was made before a consolidation/refinance. " If you consolidated your loans, you can't get refunds on payments you made before consolidating. '' However, this guidance applies to loans that were consolidated on a federal basis ( see attached reference ). Analysis from outside student loan advocacy groups suggests that payments made on behalf of borrowers are eligible for refund of payments during the pause ( see attached reference ).
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX have accounts on my credit profile that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education XXXX XXXX XXXX These are not my accounts
Product: Credit reporting or other personal consumer reports

I applied for a checking account from my spouse member number and I got a denial so I called because my credit is good and I wasn't sure why I was denied. They told me I had a car loan with them before that wasn't paid. I had no idea what the representative meant because I never had any loan with XXXX XXXX so I asked for an investigation they provided me with a fraud document to fill out and return to them at the office. I provided the information, and they then told me it should take 15 days and they would send me the decision by mail. After a month went by I then called again to follow up they stated it should sometimes take up to 60 days to complete and they would then send me the decision by mail. 4 months went by I then asked to speak to someone in charge so I could file a complaint then they sent me a letter just saying the information appeared correct. I asked for verification and it was never provided. I have never had a load with this bank and this needs to be deleted.
Product: Debt collection

I keep getting emails and phone calls from this company for some sort of scammy loan that I supposedly applied for. I have no idea how they got my email or phone number, but this is fraud. I have never applied for, been approved, or received funding from this company.
Product: Vehicle loan or lease

So this is the owner I am the owner XXXX XXXX or XXXX XXXX XXXX XXXX I am the owner of the XXXX XXXX falsely illegally impounded by XXXX XXXX XXXX XXXX Police department XXXX XXXX  and another entity called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The VIN number to my vehicle is XXXX XXXX lobel financial account number in XXXX. I put down {$4000.00} And I made my first payment on the vehicle and today I made my second payment on the vehicle this vehicle was impounded at a parking gym properties while I was staying near and I paid for the valet services on my stay also I had over {$500.00} on my account in positives sitting for reserves at the time of my state not only did they attempt to erase my state at XXXX say that they told my car to be valid towing and it was in a fires on there's no video or footage of these alligator stories all I want in the general is for my vehicle to be released from XXXX  XXXX XXXX and brought to me or immediately released I went down there today to move my vehicle with all my ownership information I even contact my financial company about the vehicle multiple times Park reported the vehicle stolen I reported his stolen the night of XX/XX/2022 I was staying in room XXXX I attempted to go to all measures to retrieve my vehicle and all legal possible methods in all very message I reported the XXXX XXXX which was connected to me through XXXX that was told to stop when the car was initiated for when they were still in the car I reported this to all entities reported this too but XXXX who continued to hang up the phone on me I don't want the vehicle because the vehicle was used or taken and was out of my supervision with underneath to me with no valid justification for towing it so some suspicious activities to occur I just told them to bring me my vehicle I went today and retrieve it they had other stories talking about they need to run it through whatever there is nothing that I had going on anywhere i proved owner ship
Product: Mortgage

When I refinanced my home with Quicken Loans I made it clear that I was trying to not have PMI because there was a large amount of equity in the home already. At the time the loan was for {$120000.00} with a value of {$140000.00} meaning when I paid down to about {$110000.00} the PMI would no longer be needed. I still have PMI of {$15.00} per month even though my home loan has a balance of {$110000.00} or 76.69 %. They also state that it comes off automatically when you reach 78 % which is not true because I am still paying it. 

I was instructed on XXXX that I would need to pay to have my home reappraised to have it removed or wait until XX/XX/2020. 

I am now being told that this is a requirement of XXXX XXXX. Reviewing my closing documents it does not state that an appraisal is required.
Product: Money transfer, virtual currency, or money service

I am filing a compliant 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

I discovered XXXX XXXX/XXXX/16 that a charge of {$850.00} was charged to my Debit Account. I contacted Santander immediately while the charge was still pending. They told me then that there was nothing that they could do while it was still pending however they overdraft my account. The next day I call and they said they could not return my money for 10 plus business days, even though I had notified them when the charge was still pending. I have not charged over {$250.00} to this account and the charge for {$850.00} was made in XXXX and I live in XXXX. I strongly question if they have a fraud department because this charge would have been a red flag for most.
Product: Credit card or prepaid card

I had submitted 2 postal money orders in the same envelope to Capital One. One for {$1000.00} and one for {$200.00}. The envelope was delivered and only the {$200.00} was cashed. The {$1000.00} went missing ; yet these were both in the same envelope. I believe they only did the {$200.00} because the {$1000.00} would give me lesser interest. I dont understand how a check goes missing while the other check was fine when theyre both in the same sealed envelope. I have to wait 90 days before I get a refund.
Product: Debt collection

Enhanced Recovery Company at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A  debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$7100.00} XXXX  Account # XXXX Amount {$230.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

First merchants XXXX XXXX. There were XXXX occurrences they totaled up to over {$2000.00} dollars in fees. I had set up a low money warning on their web site but they redid the web site and the new website did not have any of the those features available. I had an issue with discover card auto deducting the payment from my account. I was not aware they did it. Instead of declining the card or sending text notice or email they sent a letter in the mail. I had no idea and no warning. It was through the holidays and I was having health issues. It was very distressing. After it happened a second time I figured out what was going on. However not before they charged me over {$2000.00} in NSF fees. 

I understand that I made an error, but to have removed the safe guards that were in place and not have other options then allow it to go no without declining the card no electronic notice, while snail mail was being delivered seems like a deliberate and deceptive practice. The web portals have always been really bad and the mobile app is unusable. I did an online search and saw that this bank also had issues with Redlining litigation. I've been with this bank for 10 years and it has always been subpar, I'm ready to move on, put I feel I was set up to fail in this situation. Llike it was deliberate.
Product: Credit card or prepaid card

Bank notified me of suspicious activity on my account Fifth Third Bank credit card. 
. XXXX charges popped up in a few minutes. XXXX were paid out before the bank stopped the transactions. and the next XXXX charges were pended and not paid. 
Fifth Third Bank, XXXX, XXXX Date of Charges - XXXX XXXX of Charges : XXXX XXXX XXXX {$640.00} Get Your Guide Operations {$260.00} Total of XXXX charges - {$900.00} I immediately called the bank on XXXX and they said yes they were fraud and made over the internet by someone who must have gotten my acct number. 
Fifth Third Bank cancelled the credit card on XXXX and said they would forward the {$900.00} charges on to the Fraud unit of Fifth Third Bank. 
I called 3 weeks later to find out the Fifth Third Bank employee did not forward to fraud unit. They again told me they would forward it to the fraud unit. 
I have called every week since XXXX. I have been on hold and passed around each time I call and told that they are behind and would get to it soon. It has been 4 months since the fraud event. I also called branch bank XXXX miles away, on XX/XX/XXXX, and got the Branch Mgr involved who said he would get it fixed. He has not gotten it fixed. They state they are behind, well, They did not pend these charges they stated were fraudulent, and Fifth Third is billing me interest each month on the {$900.00}. Every other company pends these fraudulent charges, and Fifth Third is the one that told me about the fraud charges. After XXXX  months they have not even started looking into the fraud, and they are not pending the charges on my bill.
Product: Debt collection

On XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX contacted my brother and left a voicemail instructing him to forward the voicemail with urgency since it was a second attempt to contact me regarding a mitigation. I have had the same phone number since XXXX, and I have no missed calls from this office. My brother forwarded the voicemail, and I was alarmed, as the voicemail contained a reference number and a threat to proceed without my participation if they did not receive a response from me that day. I called XXXX. The receptionist matched my reference number and informed me that a case manager at extension XXXX hd been assigned to my case. The case manager informed me that their client contacted me about breach of contract regarding a loan with Citibank serviced in XXXX. I was given an opportunity to voluntarily resolve the matter by paying approximately $ XXXX. If I didnt wish to pay that amount, the client had the right to pursue over {$29000.00}. I went from alarmed to upset, as the case manager had somehow obtained my full social security number and birthdate, and indicated to me that written notices were sent to me at an address I havent lived at for over 16 years, and also to my current address. I did not verbally confirm either address with the case manager, but I noted that I had received no such notification. I am on high alert now, as Ive never had a loan with Citibank. I have had store credit cards issued by Citibank ( all paid as agreed and closed for years ), with limits well below the amount that this client of XXXX XXXX XXXX XXXX  was attempting to collect. I believe that if my identity was not already compromised to originate this loan, it now certainly is.
Product: Debt collection

XXXX XXXX XXXX XXXX has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from XXXX XXXX XXXX and Abbott Osborn & Jacobs both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that the account was a Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose XXXX XXXX XXXX XXXX business practice.
Product: Credit card or prepaid card

I recieved a Prepaid Debit MasterCard in the mail from All-Access Netspend Bank. They included an account number and routing number along with a deposit agreement and Overdraft protection information.

I did not request this card and don't know who they are.

I called the number on the back and the only options I was given was to activate the card by text message or enter my SSN so they could activate it that way. There was no way to talk to a representative. 

I called their sponsoring bank, XXXX, who automatically transfered me to NetSpend which gave me the same options as before. 

I had to call their rewards program to get ahold of a customer service agent who had to transfer me to XXXX who had to transfer me to NetSpend to have them tell me that it was a promotion and that they opened a bank account in my name and sent me a debit card as a promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know XXXX - XXXX company nor ever did business with this company. You have failed to provide me with a copy of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Upon challenging this account XXXX deleted this account based on the lack of ability to properly verify all reported information being accurate and verified. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are you not practicing Metro 2 Compliance? If such documents can not be produced please DELETE this account from my credit report immediately! Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX - to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized dacument does not constitute verification.
Product: Mortgage

I am writing to you regarding my loan for hardship for the second time. In XX/XX/XXXX I filled a complaint against my bank who in return told you they would work with me. It was not true once you close the complaint they ask me to fill out a hardship letter for the third time so I did. I faxed it on XX/XX/XXXX & XX/XX/XXXX to  the bank. On XX/XX/XXXX I received a foreclosure notice on my house, and yet still today I have not received a denial letter from the bank. I am XXXX years old and have had my house for over 15 years. I would love to keep my house so I hope the bank will help me.