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

Hello, the problem I have is that the Coinbase ( Coinbase Inc. - XXXX XXXX XXXX. ) company has blocked my account for no apparent reason, I have been trying to unblock my account for almost 6 months, and constantly the application asks me to send my ID, I sent it but the account after verifying the document and accept it, automatically, it is locked again. I have written more than 50 emails and tickets and there is no way they will respond to me. It is an account with a lot of money, about XXXX USD, I deposited a smaller amount but the rise of cryptocurrencies made me have more capital, which I want to withdraw but it is IMPOSSIBLE, they do not let me do anything with the account, or withdraw my cryptocurrencies, or exchange them, nothing. My account is XXXX and I have been a user since 2019 or even earlier.
Product: Student loan

I spoke with Navient three week ago l had received a letter stating l needed to make payments. I Express that l had received statement that we did not have to make payments during the Corono Virus Pandimic. Lady then stated she wanted to send me some papers to sign so l would not have to pay my loan for one year, l would have to sign these papers every year. As long as l was on Social Security and l did not get enough to pay my loan. I sign the papers Navient sends me, a letter today with three different amounts. XXXX, another XXXX, another XXXX. This is incorrect, inaccurate, and misleading. Several years ago l made my student loan payments. Navient continued to add interest while l made payments. 
The lady l spoke with stated she was sending me papers to sign so that l would not have to make payments for one year. She lied to me. I sign the papers then l receive these papers with these amounts. I am contacting The U. S. Consumer Financial Protection Bureau,. I would appreciate your assistance.
Product: Debt collection

I received two separate calls from Fifth Third Bank on XX/XX/XXXX about a missed payment on my Equity Line of Credit account. I made the payment on XX/XX/XXXX using their online bill payment system. The payment was due XX/XX/XXXX. The bank was unable to confirm this but was able to take my payment during the course of the first call. Several hours later, I received another call asking to collect the debt again. The employees refused to provide any unique identifying information, and failed to disclose that the call was an attempt to collect a debt. They also refused to provide the NMLS number for Fifth Third Bank or themselves when requested. The first caller only identified themselves as XXXX. The second said his name was XXXX. This predatory collections activity is surprising to me from such a well-known institution.
Product: Checking or savings account

On XX/XX/year> I transferred over {$71000.00} from Marcus ( Goldman Sachs XXXX ) to a brokerage account held by XXXX XXXX. I approved the transaction. The money went through the next day. However, on Goldman Sachs reversed the transaction and froze my account. When I called to unfreeze it, they noted that they couldn't unfreeze it because it was " under review. '' When I asked for a timeline they were unable to give me one because the review was still taking place. I NEED THIS MONEY ; it's not theirs. This just seems like an unfair and deceptive trade practice to try to force me to leave my money in their account. It is financially burdening me and I really need this money. I've called every day for last 5 days and they refused to give me an answer or timeline. Please unfreeze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance {$31000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00}.
Product: Credit reporting or other personal consumer reports

I appeared in court against XXXX XXXX XXXX XXXX XXXX to address the unpaid rents due as the property was not in living conditions. XXXX XXXX  were to bring the home to tenant right standards and did not so the city condemned the property and we had to move immediately.
Product: Checking or savings account

XXXX payroll/accounting firm authorized a fraudulent payment ( payroll deduction ) of {$4900.00} from my business checking bank account at Wells Fargo on XX/XX/2022. 

I saw a payroll being processed which was my normal amount and did not think it was unusual. After a couple of days, it had not appeared in my account. I notified XXXX and learned someone requested payment from me with a W9 from a fraudulent email. 

I asked them to stop payment and it was not me who requested this. They replied they could not and it was now up to Wells Fargo to reimburse me for the funds. 

I contacted Wells Fargo and filed a fraud report which was declined because it was past 24hrs to report it. Also filed a complaint about that reason. 

I spoke with the AG in Nevada. On XX/XX/XXXX, they gave me this website to file a complaint here.
Product: Money transfer, virtual currency, or money service

I am filing against a cashapp " Block Inc, '' due to inadequate customer service protection and unfair practices.Which violates the consumer financial act " cfpa '', expecially failed to take timely and effecive measures, to prevent address fraud on their platform.Which left my account vulunrable and unprotected.Furthermore, there are few resolved process was unfair and deciptive, did not comply with electric fund transfer act ' EFTA ' regulation.These actions have caused sifigcant and financial loss, I seek appropriate redress for these violations.
Product: Checking or savings account

My business " XXXX XXXX XXXX XXXX '' has had a checking account with Chase for 16 years. They illegally changed policies that I didnt agree to when I signed up for the account and now charge my checking account {$15.00} per month to keep the account. This is not legal as I never agreed to these terms.
Product: Credit card

Phillips & Cohen Associates , Ltd / XXXX XXXX XXXX has consistently reported erroneous Acct. # XXXX for the amount of {$860.00} on my credit profile for a credit card debt I do not owe. They must delete it from my credit profile with deliberate speed. 

Thank you!
Product: Debt collection

I opened a XXXX  Mastercard by XXXX XXXX  on XX/XX/XXXX.The account was closed by XXXX XXXX in XX/XX/XXXX sinceI started in a debt relief program : XXXX XXXX XXXX  XXXX. I remembered I paid in full my account ; however I received a debt collector letter from Dynamic Recovery Solutions , LLC : XXXX XXXX XXXX, XXXX SC, XXXX. This collection DRS Reference Number was XXXX.The outstanding amount is {$7300.00}. 

I am trying to get the information that I paid in full the XXXX Master Card  so I searched my credit report to verify when this credit card was closed but I do not see any information of this credit card opened with a balance or closed. 

I had called XXXX Mastercard to get information twice ( XXXX ) regarding this credit card and they said that the account was closed and paid in full but they do not give any letter verifying this information so I can send it to Dynamic Recovery Solutions , LLC and closed this debt collection. 

I am submitting this dispute to be able to find out why is this XXXX Master Card appearing has a debt collection when it was already paid in full in XX/XX/XXXX.
Product: Mortgage

I have a mortgage and home equity loan with Bank of America. I make all payments on line. I have been with them now for 18 years. I did try to solve this issue directly with Bank of America and was completely ignored. One month I must I paid a partial payment on my home equity and Bank of America never once called me or sent a letter to give me a reminder like the mortgage department as done even when it was only getting to the 16th day to pay the mortgage. I don't think it is fair to a consumer that they failed to notify their customer that a payment was due and to report it as late to the credit bureaus and to have a negative affect on my credit score. This would have been 1x in my entire relationship with Bank of America that I was late.
Product: Debt collection

ALTHOUGH I already summit many complaints against XXXX XXXX XXXX and XXXX XXXX true the CFPB portal, these 2 companies went ahead and report on my credit report as a negative item. 

I requested many times signed and dated documentation between me and the above mention companies that shows that I have any business with and till this date they are not willing to provide me with any legal documentations. 

XXXX, Transunion and XXXX allowed these 2 company to report on my credit report with out the proper and legal documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : I called XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( XXXX ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.
Product: Debt collection

XXXX XXXX XXXXXXXX/ XXXX / {$0.00} XXXX XXXXXXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

Debt collections are texting me to get payments from me. Also, I gave them XXXX information during the visit, so don't owe them anything. 

By law under the The Telephone Consumer Protection Act of 1991 47 U.S.C 227. I did not give the company permission to use my number the contact me.
Product: Credit card

Ive contacted XXXXXXXX XXXX several times over a year and was told my account had a status code issue preventing a customer service agent to reissue a card. Ive been told many occasions my issue was escalated to a supervisor and I should receive a card within XXXX days or XXXX days. Ive received letters stating my card cant be issued for the supposed account status issue. The special department that handles this type of issue has yet to resolve lifting the status code issue on my account and issuing a new card that I can use. I keep getting told I have no other issues with my account which is not true. Ive tried to use my account in the actual retail store and had cashiers call XXXX XXXX Bank customer service line to obtain my account number using my ID that has ALL MY CORRECT INFORMATION on the account which still declines my transaction. Ive been unable to use my credit line since theyve had a system switch last year 2022. No one has further information other than I can make a formal complaint with the special department directly in writing which doesnt make sense when this is the same department that supposedly is working on my issue for 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXXXXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and XXXX havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I applied to see my credit card offer but denied the card and decided I did not want it because the APR was too high. Capital One opened the card in my name anyways.
Product: Checking or savings account

American Express baited and switched me on a welcome offer for opening up a business checking account. 

I am am American Express ( Amex ) credit card holder, holding many personal and business credit cards, and have been a customer with Amex for over XXXX years. 

In XX/XX/year>, when I was logged into my Amex credit card account, there was a targetted offer ( attached ) that said if I applied for a business checking account and met deposit/transaction requirements, I would receive XXXX Amex reward points ( worth ~ {$1400.00} based on Internet valuation ). See proof XXXX file. 

I applied through the link, got approved for an account and made the requisite deposits/transactions. See proof XXXX file. 

However, when I noticed shortly after that the Amex business checking website indicated I had welcome offer of only XXXX, with lower requirements ( so less than half of what was promised ). See proof XXXX. 

I reached out to Amex multiple times to try to resolve it, and they claimed that I was never eligible for the XXXX bonus, despite my sending them the screenshot, and indicate there is nothing they can do. 

Given I have documented the welcome offer, their unwillingness to rectify or even address whatever glitched caused the issue, is very concerning. They indicated a complaint was submitted on my behalf for what is at worst bait and switch and at best a system glitch on their part, and they said there would be no follow-up to me.
Product: Mortgage

I have been double billed for my mortage insurance payment for the 2012. When brought to the attention of Wells fargo, my calls kept getting g dropped, the would not remove the extra MIP from my mortgage payment despite their error. I have asked them multiple times to correct my mortgage payment to reflect the MIP off which I was told last week it was buthe it is still there. I am unable to make any other payment than the mortgage payment with the MIP added. Ivery been paying the MIP in my mortgage payment and a separate payment every month has been taken fromantic my escrow account. The MIP is money that the mortgage company gains and dies not go towards me paying off my home loan. I believe this to be an act of Fraud by Wells Fargo Home Mortgage Company. I know they have been in the news many times for fraudulent activities yet I would have never thought this to happen to me and then to be treated with such unprofessionalism after the fact. To be honest I belive they know they been caught ad want to do damage control prior to addressing get my issue which brings me to believe that this is a scam and many unknowingly other home owner may be the victim of this financial fraud.
Product: Credit card or prepaid card

Either Rooms to Go has been hacked or the company has a glitch in its system. I have had a Rooms to Go Store Card for about five years and has not used it for over a year. I can not log into my account nor can anyone at Rooms to Go assist with the problem. After speaking with Synchrony Bank and an update in address, I was able to make two purchases online about a week and a half, but Rooms to Go has no record of the purchases. However, Synchrony Bank has a record stating that one purchase is pending in which customer service placed a dispute to suspend the purchase. When I try to contact ( 1 hr hold time ) Rooms to Go, I am met with great rudeness and unprofessionalism, specifically, when requesting to speak with a supervisor. When I try to log into my account the transaction spins in outer space. No one seems to know how to fix the problem at Rooms to Go, and this non-action is preventing access to my {$1000.00} line of credit. No one knows what happened to the second purchase where I had to pay {$88.00} upfront due to credit limit with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 I received an email from XXXX XXXX saying that TransUnion had dropped my credit score by XXXX points because of an inquiry. When I looked into who had made a credit inquiry it showed a company called " SyncB ''. I have no idea who XXXX is and I had NOT authorized ANYONE to check into my credit! 

Then I contacted TransUnion twice today and was on the telephone with the first helper for XXXX minutes before the phones didn't communicate anymore. So, I called back right away and was told by the second customer service person ( which in his case is oxymoronic ) that I needed to contact YOU to issue a report for TransUnion to even begin the dispute. 

Then after contacting YOU, I hear on the recordings that I need to contact the credit reporting agency first to have them do an inquiry ; but, TransUnion says I have to contact you people first to get a report BEFORE they will even check into things. I believe this is ridiculous in as much as I am the victim and I have to jump through more hoops to get something straightened out on my credit report instead of TransUnion simply doing their job to HELP the consumer- not pile things up for us!
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX Mortgage XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX Mortgage XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!