23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Care LLC purchased my loan in XX/XX/XXXX, I never received proper payment info, or where to send payment to until XX/XX/XXXX. I had gotten the address for the new loan company and send payment check was cleared XX/XX/XXXX, unfortunately was applied to wrong account. since I have contacted Loan care LLC multiple times to resolve issue, they told me the funds would be transferred to correct account by XX/XX/XXXX. I made regular payment for the month of XXXX check cleared on XX/XX/XXXX. now I 'am receiving threating letters about foreclosure on my home, I have sent them another payment that they will receive electronically on XX/XX/XXXX. I have now made three mortgage payments in the matter of weeks, as well as made phone calls and emails to try and resolve this issue. they have done nothing but apply my money to the wrong account and send me threating letters about foreclosing my home. even after they told me they would apply the money to the correct account, they are charging me late fees. I have never made a late payment on my loan, or been delinquent on my mortgage ever. at this point of my loan I have been forced to over pay to fix their mistake.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) Zelle failed to protect from widespread fraud on their platform, leaving my account, vulnerable and unprotected. they did not comply with fair resolution requirements under the electronic fund transfer act ( EFTA ), and Regulation E. These actions have caused significant inconvenience and financial loss and I think appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX my wife and I got married and purchased a {$3000.00} XXXX voucher for a honeymoon trip to XXXX. Shortly after, COVID-19 was just starting to takeover things in the US. We had not booked anything and thought it was too risky, and we contacted XXXX to cancel the vacation on XX/XX/XXXX. 

They promised a full refund ( provided we hadn't booked anything yet which we had not and never have ) but never delivered. 

After going back & forth with XXXX  and them lying about promising a refund, we opened a dispute with Citi cards on the credit card we used to pay for the honeymoon. 

This has been an ongoing process with Citi that is STILL on going. It feels like no one is on our side. All the rules are favored towards the merchant ( XXXX ). I'm still fighting this dispute with Citi. I have no intentions of ever paying {$3000.00} for a trip that we were never able to take. 

XXXX 's contention is that they never promised a refund to our card, but instead for XXXX credit. This is a blatant lie. I've attached our saved conversations with XXXX where they make this lie even after a rep. explicitly promised us a refund to our credit card. 

I don't know why Citi has not closed this. It seems like its a never ending process. I dispute the charge, then XXXX gets a chance to " respond '', then the process starts all over again? 

I don't know when we started the dispute with Citi but it was in either late XXXX or early XXXX of XXXX. Again, its still on going.
Product: Money transfer, virtual currency, or money service

I have been calling coinbase for the last XXXX to XXXX months, trying to get my account from being restricted so I can access and sell my XXXX. Each time I call and be able to get someone on the line they tell me to send my photo ID and a selfish with the words coinbase and that date. I have done this @ least 4 times and each time I send it they tell me my account will be available to me in 3 days. The XXXX days never come however I have to keep calling and being placed on hold literally for hours XXXX someone answer. On XX/XX/XXXX I wanted to sell my XXXX XXXX coin because my account was up to XXXX and I was able to access my account to sell the coin. Now my account for XXXX XXXX is down to about XXXX because I wasn't able to access my account and sell and I'm still not able to access my account. I am looking into seeking and Attorney to file a law suit because of the money I have lost do to the fact that I am not able to access my account for months.
Product: Money transfer, virtual currency, or money service

I received {$1000.00} on XX/XX/XXXX via PayPal, however, they would only let me transfer out a portion of the money to my bank account. They are holding {$170.00} stating that it is on hold because I am only allowed to transfer {$800.00} a month out of my account. This is absurd that they are holding my money hostage!
Product: Credit reporting or other personal consumer reports

CREDIT REPORT/FILE IS NOT BEING INVESTIGATED PROPERLY AS REQUIRED UNDER THE FCRA AND 15 UNITED STATES CODE . I have provided all the documents required on my end and these accounts are still being reported inaccuratly with fraudulent charges attached.
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT HAS SEVERAL ACCOUNTS THAT ARE REPORTING INACCURATE INFORMATION IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMENT HISTORY. ALL OF THESE ACCOUNTS ARE SHOWING DIIFERENT INORTION FOR EACH ACCOUT BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THIS A VIOLATION OF THE FCRA, THEREFORE THESE ACCOUNTS MUST BE DELETED IMMEDIATELY. 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  YOUR COMPANY IS REPORTING SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE LATE. THIS IS INACCURATE. THSES ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE AND THE PAYMENT HISTORY IS INACCURATE. ALL OF THESES INACCURACIES ARE ON EACH ACCOUNT BETWEEN XXXX, XXXX, TRANSUNION. THESE ACCOUNTS NEED TO BE UPDATED TO PAID ON TIME, PAID AS AGREED, NEVER LATEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Am Trying to Open a Credit Card Account With M & T BANK And For Some Reason My Credit Card Application Was Place On HOLD And Additional Information Needs to Be Verify There where 3 Inquiry On My XXXX and XXXX and XXXX And My Credit Card Application Is Still On HOLD And Every time I Contact : XXXX I Give My Credit Refrence Number : XXXX to the Agent at the XXXX and They Tell Me that My Application is Being Handle By a Person For Further Review and this Person Who is Reviewing My Credit Card Application Has Not Call Me or Contact me Plus a Message was Given to the Agent and the Person Who is In Charge of My Account From M & T BANK HAS NOT CALL ME YET And I want to know if I was Approved or not For The Credit Card and What Happen..
Product: Debt collection

Multiple calls in a row from Hunter Warfield. They also called my job and references from my lease application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on XXXX and experian is not adhering to my rights as a consumer to remove inaccuracies of my name and address
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 u fair 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: Credit reporting or other personal consumer reports

I am certain you are aware that threatening legal action without the intention to follow through is illegal. Thus, be informed that I am resolutely serious about pursuing legal action against your company. I have sent numerous letters requesting that you investigate and remove all inaccurate information reported on my credit profile, yet you persistently fail to comply. It is my understanding of the law that you are obligated to honor each request to investigate incorrect information, which you have evidently ignored. This blatant disregard is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides individuals the right to take legal action against consumer reporting agencies and furnishers of information for non-compliance, including penalties and liabilities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

This wretched company does not want XXXX  for clients and places impediments in their path to discourage them from being customers. I have paid EVERY bill on time without fail for the past 7 years. But Barclays keeps changing the term of my credit card without warning. Now in this latest piece of malfeasance they are stalling. I am in XXXX and they lowered my credit limit by {$800.00} without warning making severe problems for me. I filed a complaint on XXXX XXXX and the company took a week to respond. I sent an email to them explaining their treachery but no response. On the XXXX the company supposedly responded by saying they are looking into it. This is not rocket science. This is DISCRIMINATION against XXXX. We know that the federal government in naturally on the corporation side which is why they are dilly dallying. If the CFPB was serious it would look at this clear pattern of XXXX  and do something about it.
Product: Student loan

MOHELA is telling me that my payments are due to resume again XX/XX/XXXX. federal student aid is telling me that my payments are set to resume in XX/XX/XXXX ; both can not be accurate, and MOHELA is certainly not accurate because i applied for a consolidation loan and asked to be placed on the SAVE plan back in XXXX ; everything went through except getting on the SAVE plan due to the federal injunction. 

MOHELA currently has me on the standard repayment plan. i had been placed on a processing forbearance back in XXXX and in XXXX, i was placed on a general forebearance because of the SAVE injunction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX NV ) XXXX XXXX XXXX {$2900.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX ) XXXX Balance : {$900.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account was paid off and company agreed to delete upon payment. Account is still on my credit file. 
2. ) XXXX XXXX XXXX Account number XXXX Date last active and date last reported is different and I ask for it to be removed due to its inaccuracy. 
3. ) Inaccurate credit inquiries which I did not request and do not have and account. I have previously requested them inquires to be removed, however, the credit companies have ignored my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I ask them for original copy of the debt for validation but never received it
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1500.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXX XXXX
Product: Checking or savings account

In XXXX I called to have OD fees refunded. I was told I was not eligible, but I have not had fees refunded ever, I am pretty sure. I was told the fees are system based per Reg XXXX. 
XXXX  XXXX XXXX US Bank XXXX XXXX XXXX and brought up how their OD fees were charged. When a purchase was made, the funds were held. If other items posted and caused a negative balance because of held funds, OD fees were charged. 
Also, if I am opted out, and a reoccuring, preauthorized charge posts to my account, I am still charged an OD fee. The bank states reoccurring charges are not covered by opt in/opt out, but they are, and I should not be being charged a fee.
Product: Debt collection

I received notification that two collections had been added to my experian credit report, vance and huffman on behalf of XXXX XXXX, woman at collection agency refused to mail me validation of debt letter and claimed they sent collection notice to email address i havent used for anything besides XXXX in XXXX XXXX, checked old email address, did not see any emails from vance and huffman or XXXX XXXX. This is not my debt, and in addition the practices by the collection agency are illegal, she read me the last 4 of my ssn instead of asking to verfiy it, i could be anybody calling, who would now know my name and the last 4 of my ssn. 

in addition why would one lender or whoever XXXX XXXX  is sell debt of one person to one collection agency and split it into two accounts and amounts, to gain additional interest and pressure on me to pay because of the extra damage this collection that is not mine will cause my credit score is my assumption.
Product: Checking or savings account

For more than XXXX ( XXXX ) years I have been receiving email notifications about my mother-in-law 's account at Bank of America. These emails include information about account balances, checks, and financial transfers from XXXX account to another. I am not and have never been a signer nor an authorized user on this account. My mother-in-law, husband, and I have all contacted BoA by phone and email on numerous occasions to stop the emails, but to no avail. In the last XXXX hours, I have received XXXX more emails providing information that my mother-in-law does not want me or anyone to know. 

I have called at least XXXX times and emailed XXXX times. I would conservatively estimate that between my husband, mother-in-law, and myself collectively, we have spent at least XXXX hours on this.
Product: Credit card or prepaid card

On my credit report, it shows that an American Express card was opened under my name and with my social security #. I have spoken to AMEX several times and also had an XXXX report done and was told this issue was confirmed as identity theft and that the cause would be resolved. Please help me remove this from my credit report immediately and permanently.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the necessity to erase any erroneous accounts from my credit report. Could you please examine the paperwork? Some of the recorded accounts are inaccurate, which is unsettling for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just found out tonight that I have a social security variation on my Experian credit file. I called Experian and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
Product: Credit card or prepaid card

I have called and am now writing Nordstrom regarding a charge for an item I returned that has not been credited. I purchased 6 bras on XX/XX/2021, online at Nordstrom.com. The items were sent in 3 packages of 2 each. The first package which said it was delivered ( I get notices in my email ) did not arrive. The second and third package arrived within a day of each other. I returned the remaining 4 items on XX/XX/2021 using their Nordstrom label which I obtained from their website online following their protocol. 

I called them on XX/XX/2021, regarding the package that did not arrive and they credited my account for those 2 items. I then received a bill from them for some of the items due XX/XX/2021 so I called the credit department to check on receipt of the package I mailed but they did not receive it. They told me to pay the minimum due and wait. I paid {$38.00} on the XXXX. I then proceeded to call them on XX/XX/2021, where I got a case number and XXXX of the remaining 4 items were indeed credited in a timely manner. I called back on XX/XX/2021, when I realized that one item was not credited. I was told it would be in 3 days. I called XX/XX/2021, and was told the charge got auto denied and she would try to override it. I requested that someone contact me when this was done. I called back on XX/XX/2021 to make sure that my interest charge was reimbursed and to once again check the status of the return. The interest charge was credited but not the item. I was told it was sent to the correct department but it took 5 days from the date sent to this department to be recorded something the previous supervisor did not tell me instead assuring it would be done in 3 days. I doubt she knew of this 5 day time frame. This time I was again reassured I would be credited on Friday XX/XX/2021 by XXXX XXXX. I wasn't. 

It is XX/XX/2021 and my credit card once again is due on XX/XX/2021 with the remaining balance for this charge. I am not paying it ( it is under {$50.00} ) and I am sending them a letter of dispute to go along with my phone calls. I will be mailing it via certified mail. I am requesting your help in resolving this issue. 

The surprising thing about this is XXXX had a stellar reputation or so I thought. I am quite disappointed in their inability to get this done and their continued statement of another 3 or 5 days. XXXX on the other hand credits me without documentation and only my word. I buy a lot from them but still I believe that is their policy and probably why people purchase from them. They credit once they receive information from the carrier that the package was sent. Why can't other companies learn from this practice? They have great customer service. Nordstrom not so much and their reputation has not only a blemish but a huge spot on their record and it would take a lot for me to order from them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an XXXX XXXX from Experian on XX/XX/2023 claiming that my dispute was done and ready for review. 
The problem had not been fixed, AGAIN. 
The user name is still XXXX which belongs to XXXX XXXX who has stolen my identity. I still unable to get into account. I was told they whole account would be deleted and it hasn't because they used it to send me an email. This is the type of Incompetence from a company that has the power to ruin a consumers life! This has been going on 2 and half yrs. This is ridiculous! Is this being done on purpose.
Product: Debt collection

I have below the invoice that will be sent off to XXXX XXXX XXXX I want the account updated and removed, as well as all personal history, details, all addresses on file, basically I want my private information out of this and other companies hands immediately!