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

I have had the reliacard since XX/XX/XXXX XX/XX/XXXX..when i received it and try to activate it the card had a block on it before i could use it. I have called reliacard throughout XXXX and XXXX trying to activate my card. When i received my card it had XXXX on it now XXXX there is XXXX on my card and reliacard refuses to give me access to my money. I have sent in faxes with peoof of identity i have talked to over 20 reps who are no help at all. I received a message from reliacard on XX/XX/2020 telling me to upload a selfie and id i did this twice and card is still locked. Ive called countless times just to have them say oh upload it again! My bills are swamped im stressed out. I just want my money and reliacard is basically holding my money without fair reason ive done everything they have asked and still no help 2 months later this is ridiculous
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Hello, I sent in a check to Navient to pay off one of the my loans in full. I included a letter with the check and indicated on the check which loan the monies should be applied to. Navient did not apply the monies to the correct loan. The loan does not show it is paid in full. Instead they arbitrarily spread the monies through all ( XXXX ) loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing on the falsified claim that American Express makes against me, its manipulation of the service relationship, and its efforts to obtain unfair advantages and infringe on my consumer 's rights of honest service. 

On XX/XX/XXXX, American Express made the claim that " our attempts to send you an email about your XX/XX/XXXX Billing Statement were unsuccessful ''. The claim was totally fabricated. Ive been receiving countless emails from the company on various dates, before and after XX/XX/XXXX. There had been NO unsuccessful email attempts. American Express representatives confirmed that there was no record of unsuccessful attempts at all ( see attached document : Amex XX/XX/XXXX ). The company could not provide the bounced email message or other proof to support its claim. 

In making the false claim against me, American Express tries to manipulate its service relationship with me and gain unfair advantages at the cost of my consumer rights. The company threatened to unilaterally alter the billing if I do not follow their instructions within ten days ( see attached document : Amex XX/XX/XXXX XXXX. 

And the damage was not just limited to the alternation of billing. On XX/XX/XXXX, I also received message in the American Express online account that my credit limit was lowered because the company unilaterally determined to change it based on my income. I faithfully disclosed my income, and Amex initialized the credit line last year. I have full proof that my numbers were actual and authentic, and my income has increased since last year. Yet, the company determined to arbitrarily alter the service. Its ungrounded and derogatory action caused damage to my credit rating. 

Based on the above, American Express is communicating falsified information to its consumer and tries to gain advantage over its client through fraudulent practices. Such practices, conducted via mail and/or email, constitute a deprivation of honest service. I request investigations into such potential frauds.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to XXXX to send {$530.00} to citi bank to pay my secured credit card bill. It takes 2 days to go to my card. So on XX/XX/XXXX I checked and see if it went on the card. It didnt. So I called citi to find out what's the problem. They saying it's under investigation. So it will be available to you on XX/XX/XXXX. So today is XX/XX/XXXX and I checked. My {$530.00} is not in my account. So I called this morning and now they telling me XX/XX/XXXX. I told them why it's taking so long. They said that's when it's going to be available. I said you told me that the first time and it wasn't. I said if I wait until XX/XX/XXXX what happens if on XX/XX/XXXX you tell me another date. It makes no sense. It's a secured card so that means it's my money not citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived. 
Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c XXXX the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from XXXX XXXX, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by XXXX XXXX, and not only, since 2019!
Product: Debt collection

I ask the company to provide me with original purchase agreement! 
Account # XXXX as shown on XXXX! 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to a complaint I previously filed with Sage Stream LLC. It has nearly been a month and I have not received the copy of the credit report promised to me in the mail.
Product: Debt collection

I checked my credit report on XX/XX/XXXX and there is nothing reported from this company. I recently checked my credit report again, XX/XX/XXXX and now there is something from CKS Prime Investments for XXXX XXXX, showing opened XX/XX/XXXX, past due for {$4000.00} and past due on both my XXXX, and XXXX credit reports. I disputed with both XXXX   and XXXX ; however, I do not know the results yet. I have no idea what this is for, never received anything in the mail regarding this debt and it being placed on my credit, and do not believe this is for me. This company is reporting to my credit something that is not mine and should not be reported.
Product: Credit card or prepaid card

For some reason my account was out of no where placed inactive whenever I call it gives my available balance nothing else I've called and spent days on the phone to get no answers Why is this happening how do i fix it why wasn't I warned or asked if additional info was needed im.confused and noone will help me. 

At least send my balance in check im over this
Product: Debt collection

The complaint is to Wells Fargo Bank I am a XXXX woman and live in low income housing. I receive a monthly social security check but basic expenses exceed the amount by about {$500.00} a month. I freelance by editing documents to meet expenses. I am always struggling to make ends meet. 

I am being sued by Wells Fargo Bank for non-payment of credit card expenses following my being scammed for {$3500.00} on XX/XX/XXXX. The amount I'm being sued for is {$5600.00}. 

On XX/XX/XXXX I received a voicemail saying there was trouble with my XXXX account. I called the number and a man told me that he was with XXXX. He had hacked into my computer and was talking to me and writing me notes. He said I had to go buy an XXXX card for {$500.00}, not to tell anyone, then take a picture of the receipt, etc. He said I'd get the money back. For some reason, I did what he said. In the end, I went to several different stores, was in contact with him for XXXX hours and bought XXXX cards adding up to {$3500.00}. He said my account still wasn't working and we would continue the next. The next day I woke and realized that I had been scammed. 

I went to Wells Fargo on XX/XX/XXXX and told my story and asked if they'd waive the charges for {$3500.00}. They responded on XXXX XXXX saying they would not. 

I reported the scam to a lawyer for senior citizens who told me to file a police report with the XXXX XXXX, which I did. My case number was # XXXX. I was told to file a report with the FBI which I did. 

I was served on XX/XX/XXXX and told to appear in court on XX/XX/XXXX. I filled out all the proper forms. I contacted the collection agency representing Wells Fargo and said I could pay XXXX  XXXX. The agency said that Wells Fargo wanted XXXX XXXX or XXXX payments of {$1500.00}. I said I could pay XXXX XXXXXXXX and was told that Wells Fargo would probably have a counter offer and to contact the agency in a week. 

Thank you for your attention.
Product: Debt collection

XXXX keep sending me a {$10000.00} bill and I do not owe this debt.
Product: Money transfer, virtual currency, or money service

Certainly! Heres the text typed out for you : -- - 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 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: Debt collection

I have a debt for {$2000.00} that is held by XXXX XXXX XXXX ( ERC ).  They called my mother on Friday, XX/XX/XXXX, around XXXX XXXX pacific time. They asked if there was other contact information for me, which they are allowed to do, but then XXXX XXXX left a message with my mother to be forwarded to me, asking for me to call them back at XXXX, using reference number XXXX, saying I needed to call back within the next two hours because XXXX would be gone after two hours. Then, on Saturday, around XXXX XXXX, XXXX called my mother, again, asking to speak with me. My mother told her that she had relayed the message and there was nothing more she could do, but my mother should not have even had to be bothered with relaying a message that sounded like it was urgent, nor should she have been harassed with a second call. My debt is my issue, not my family 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX PL XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im tired of sending letters disputing the inaccurate information in my credit report to Equifax Is Equifax is violating my right with inaccurate information on my credit report I sent my ID and Address and I dispute to remove all the inaccurate names, addresses form my credit report and Equifax didnt remove this inaccurate information from my credit report even I sent the proves and documents Equifax even have a company in my credit report that I dont even work for Equifax is affecting my F. Credit with all this inaccurate information Im tired of sending letters to this F. Of Equifax and they are ignoring my disputes and violating the law No matter how many times I sent letters Equifax dont want to comply with the law Is an abuser company having inaccurate information that isnt accurate This F company is F my all credit report is ignoring me over and over No matter how many times I sent a dispute with proof I dont work in the XXXX XXXX XXXX  The only name That must have to be on my credit report is XXXX XXXX and XXXX current adresss Stop XXXX my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Debt Collections Practices Act ( FDCPPA ), I have the right to request and receive validation of the debt. However, I never received proof that I am the party they are asking to pay the debt, or the date of the alleged medical service, or proof of any contractual obligation which is binding me to the debt. 

In addition, I never received a copy of any alleged agreement with my signature that I agreed to pay this creditor or a copy of a HIPAA authorization, since this is a medical account. 

The name of the company that has been taking actions against me is Wakefield & Associates. It shows on my credit report that the date it was opened was XX/XX/2021. The balance is showing as {$1000.00}. 

I have tried disputing this information with the credit bureaus multiple times and they are refusing to delete the information, despite it being a violation of my rights to be held responsible for a debt that has not been verified or proved to be mine and that is a clear breach of security.
Product: Checking or savings account

I applied for a bank of hawaii personal account on XX/XX/2020. In the next two days, I was fully operating normally and was about to transfer money to the account. I just entered the wrong password once, and found that bank of hawaii closed my account without giving it. specific reason. I am very angry. I have not violated the user agreement and other rules and regulations that you made, so I am preparing to complain. Their behavior makes me angry too. 

my userid : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this XXXX Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my experian because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract. 

They never stated who the original creditor was the Contract shows multiple names but never mentions XXXX it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly. 


The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account
Product: Debt collection

The salesperson for XXXX XXXX XXXX said their company would buy out my existing security system contract. They did not. I was approached at my home by two salesmen from XXXX XXXX XXXX on Saturday, XX/XX/XXXX. I told them I had a security system ( XXXX ) and my contract was in effect until XXXX, XXXX. The main salesman assured me that XXXX would take care of the switch/buy-out my contract, etc., with XXXX and that I need do nothing. I agreed to switch companies, signed a digital copy ( no paper contract was received ), they installed the equipment, and a few days later, the monthly fee was deducted from my bank account. It wasn't until a couple of weeks later, when the XXXX monthly fee was deducted did I realize there was a problem. I contacted XXXX and they knew nothing of the switch. XXXX also claimed I had made a verbal agreement with them in XX/XX/XXXX to extend my contract. ( I had no recollection of this, but that is another story. ) A XXXX technician came to my home to uninstall the XXXX XXXX equipment, which I still possess, and install new XXXX equipment. After multiple conversations with both companies over several weeks, I forwarded the buy-out statement and new contract with XXXX to XXXX XXXX. XXXX XXXX contended I still owed them money and on XX/XX/XXXX, I received a letter, dated XX/XX/XXXX, from a collection agency representing Fluent Home, stating that I owe them {$2600.00}. I called the called the agency and was given the offer to settle for {$1700.00}. I was also told that since XXXX salespeople work on commission, they can tell the customer anything to get them to sign up, and the company has no obligation to stand by the salesperson 's word because it is not in the contract. I did not receive a paper copy until I requested one from the company weeks later. I offered to pay 40 % of the amount they are requesting, mainly because I was too trusting and completely foolish, however, they provided me with only three weeks service, which I paid for. I consider what they are doing to be extortion and they need to be stopped.
Product: Credit reporting or other personal consumer reports

receivables MGMT CORP account # XXXX Dear Sir/Madam, I am writing to you in response to your letter dated XX/XX/2024, referencing the above-mentioned account. Please be advised that I dispute the validity of this alleged debt and request validation and proof of claim in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, and the Fair Credit Billing Act, 15 USC 1666, along with other relevant statutes. First and foremost, I want to clarify that it is not my intention to evade any lawful obligation. However, before proceeding with any payment, I require proper validation of this debt. Therefore, I am requesting that you provide the following information : 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor 3. Alleged Account Number 4. Amount of Alleged Debt 5. Date That This Alleged Debt Became/Becomes Payable 6. Date of Original Charge Off or Delinquency 7. Amount Paid if Debt Was Purchased 8. Copy of Any Signed Agreement Alleged Debtor/Claimant Has Made with Debt Collector 9. Copy of the Original Promissory Note/Agreement 10. Account and General Ledger Statement Showing the Full Accounting of the Alleged Obligation 11. Identification of All Parties Having an Interest in Legal Proceedings Regarding the Alleged Debt 12. Name ( s ) of Person ( s ) Assigned as Trustee to Handle Corporations Affairs 13. Verification That You Have Not Purchased Evidence of the Alleged Debt 14. Verification That Certain Clauses in a Contract of Adhesion Are Enforceable 15. Verification From the Stated Creditor That You Are Authorized to Act for Them I am also requesting my Truth in Lending Disclosures as required under 15 USC 1635 ( a ) and the disclosures necessary to opt out of having my information reported to nonaffiliated third parties under 15 U.S. Code 6802. Furthermore, I am exercising my right under 15 USC 1692c ( c ) to request that all communication regarding this debt be conducted through the United States Postal Service. Please note that if proper validation and proof of claim are not provided within 30 days of your receipt of this letter, I will consider the alleged debt to be invalid, and you must cease all collection activities and remove all references to this account from any credit reporting agencies. Failure to comply with these requests may result in legal action being taken against your company for violations of the FDCPA, defamation of character, and other applicable laws. Thank you for your attention to this matter. I expect a prompt response within the specified timeframe. Sincerely, XXXX XXXX
Product: Credit card

This Discovery credit card is not mine. maybe fraud, {$3700.00} Reported balance, opened XX/XX/year> 2022
Product: Checking or savings account

On Saturday, XX/XX/2024, my BMO checking account had two unauthorized transactions pending, one at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$20.00} plus an additional {$0.00} foreign transaction fee, and another at XXXX XXXX XXXX XXXX XXXX XXXX plus an additional {$1.00} foreign transaction fee. 

Both of these companies are in the XXXX and I was in the XXXX the entire time. 

This rendered my account negative, despite the fact that I have no overdraft protection and the charges should have been rejected if there was insufficient funds in the account. 

I immediately contacted my bank, who stated that the charges needed to post in order for me to dispute them. I formally disputed them the next business day, XX/XX/2024. The bank opened an investigation and also stated that since the charges were attempted with my debit card several times, the bank authorized them. My debit card is rarely used and was in my possession the entire time. I canceled the debit cards immediately as well. 

Note that the BMO complaint form includes charges for {$20.00} and {$43.00}, respectively, which do not match the fraudulent charges exactly with the foreign transaction fees. 

The companies in question apparently have no website or phone numbers listed and were not easily contacted. 

Today, XXXX XXXX XXXX BMO stated that " No action will be taken '' upon review of my claim, despite the fact that I contacted them immediately when the charges were pending, the charges were for XXXX companies even though I was in the XXXX, my debit card was still in my possession and rarely used.