23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have a cash app card. I really don't use the card. However when i went to use the card it was locked. I did not lock the card. I tried unlocking the card but it will not unlock. I contacted cash app and I have not been given a reason as to why the card is locked and why they refuse to unlock it.

I get one message that the card is okay but it's a lie then i get another message asking me to screenshot the error and cash app is aware we are not allowed to screenshot the card. However this is frustrating because I did not lock the card. And I have not been told why the card is locked and why cash app won't unlock the card. 
Cash app was just in a lawsuit because they take people money off thier cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find screenshots of 15usc1681a I need all inquiries deleted permanently from my reports as well as any closed accounts and information that is not updated on all XXXX bureaus the same way This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXk XXXX And any other information that goes against the consumer me
Product: Credit card or prepaid card

I am trying to work out a repayment program for my Capital One XXXX credit card for the past 2 years. They have refused to help. I have XXXX other credit card and store credit card accounts that have given me repayment programs, and I am making excellent progress with all of them. Typically these programs reduce or eliminate interest fees and a fixed monthly payment is made until the balance is paid in full within 60 months. Capital One refuses to help me with this account. Finally last Fall, they told me if I contacted a credit counseling agency that they gave me the contact information for, they would work with them to create a program. I contacted XXXX XXXX XXXX of XXXX, the contact that Capital One had given me. XXXX XXXX XXXX said they could establish a program for me with Capital One. I paid the setup fee and began making monthly payments to them so they could pay Capital One on my behalf. But Capital One rejected XXXX consecutive months of proposals from XXXX XXXX XXXX to establish a repayment program for me. Finally XXXX XXXX XXXX set up a conference call with them, me, and Capital One. We talked to XXXX different Capital One agents in the course of about 90 minutes. However, all of them refused to establish a repayment program for me, even though I contacted the agency that Capital One had referred me to. At this point back in XXXX, I began filing a XXXX  complaint. A popup window told me that Capital One requested that customers filing a complaint contact them directly to try to resolve the problem. So I sent Capital One an email at the contact given. They have still refused to establish a repayment program, or to help in any way. I contacted the XXXX XXXX XXXX  and they contacted CapitalOne. CapitalOne offered to skip a payment, however this only compounds the problem as interest still accrues and is why my balance on this card is higher than it was 2 years ago in spite of my not making any new charges and making over {$1000.00} in payments. Please help! Thanks!
Product: Money transfer, virtual currency, or money service

I have had multiple XXXX transactions that I did not send as well as sent money to wrong account. I was not given the correct warnings that would prevent me from sending to wrong person. I attempted to call my bank and request assistance in which I was not given any assistance. Was told that money was sent and was nothing they can do. I used my two cell phones with the different numbers XXXX and XXXX.
Product: Checking or savings account

I am writing to file a formal complaint against JPMorgan Chase Bank and their XXXX payment processing service. I am the owner of XXXX XXXX, XXXX, and my company has been a Chase business banking customer since XXXX and has utilized XXXX without incident until recently. 

On Tuesday, XX/XX/XXXX, a client submitted a {$7500.00} payment to my business via a XXXX payment link. While the payment was initiated on XX/XX/XXXX, the funds were not deposited into my Chase business account. Upon inquiry, I was informed by Chase customer service that the funds were placed on hold for review due to the payment 's size, a process I was told could take up to three business days. 

From Wednesday, XX/XX/XXXX, through Friday, XX/XX/XXXX, I contacted Chase customer service daily for updates. Each time, I was informed that XXXX is a separate entity, contactable only via email, and that I would need to wait for them to contact me with further instructions or requests for information. I was told to expect an email, which I never received. 

On Wednesday, XX/XX/XXXX, I discovered that my XXXX account had been disabled. Upon contacting Chase customer service again, I was once more directed to contact XXXX via email to appeal the closure. Reviewing my emails, I found a single email from XXXX, dated Tuesday, XX/XX/XXXX, at XXXX XXXX, stating that my account had been closed due to suspected fraud and that my funds would be held for 120 days. Critically, this account closure occurred without any prior notification, investigation, or request for documentation from XXXX. 

I immediately submitted an appeal to XXXX. Despite this, they upheld the account closure and refused to provide any specific reason for their decision. This arbitrary action has severely impacted my business operations. I am unable to pay a contractor who is currently completing a project for me. As a direct result of this fund withholding, I am now at risk of legal action and significant damage to my business reputation. 

I want to emphasize the following points : Lack of Communication : Despite daily calls to Chase customer service, I was consistently denied information and direct contact with XXXX. No one from XXXX attempted to contact me before closing my account. 
Arbitrary Account Closure : My XXXX account was closed without warning or any opportunity to provide clarifying information. 
Unexplained Withholding of Funds : XXXX has refused to provide a legitimate justification for withholding my business funds. 
Timeline of Events : The payment was initiated on XX/XX/XXXX, the account was closed on XX/XX/XXXX ( without prior notice ), and the funds remain inaccessible as of the date of this complaint. 
I request the CFPB 's immediate intervention in this matter to ensure the release of my funds and a thorough investigation into XXXX 's practices. 


Company : XXXX XXXX, XXXX Owner : XXXX XXXX Account : Chase for business ( XXXX XXXX  Payment merchant service/XXXX )
Product: Credit reporting or other personal consumer reports

Around XXXX I opened a new credit card with chase for {$5500.00}. On XXXX they allowed my account to get almost to {$7000.00} and i was under the impression my limit was increased because i was able to make purchases without any declining. when i got my statement for that month i saw that i was over the limit and that i have to make a payment for all over the limit balance asap. i called them and they just told me that they allowed the transaction even though my limit wasn't increased and that i need to pay. i was so mad and i did not paid. then i start receiving letters and calls to my job to my cell phone to pay and my credit started to get bad and around XXXX i did an agreement with chase to pay in a monthly basis {$130.00}. in XXXX i paid instead the XXXX the XXXX and then i received an alert from the credit bureaus that the account has been charged off XX/XX/XXXX. 2 days after the due date of the payment. How they are going to charge off an account just 2 days after the due date without any notification and in top of that accept a payment when supposedly an account has been charge off? now they are reporting my account every month late since XXXX when they received every month the payment for {$130.00} as per agreement. now my credit will be jeopardy and I'm in risk of loosing all my good accounts when creditor see this bad remarks from XXXX. 
Please i need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act everything has to be XXXX  XXXX  accurate on my credit report. After reviewing my report on XX/XX/XXXX, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Date Opened- inaccurate 2. High Credit- inaccurate 3. Credit Limit- inaccurate 4. Payment Status inaccurate 5. Last reported inaccurate 6. Date of last activity- inaccurate 7. Date of Last Payment- inaccurate XXXX-year payment history shows XXXX and Equifax shows no history XXXX XXXX  day past due and XX/XX/XXXX shows XXXX days past due for XXXX. This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has XXXX violations.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires that all inaccurate accounts be removed from my credit report. Can you review the documents? Some accounts have incorrect reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Mortgage

My original loan amount was {$650000.00}. On XX/XX/XXXX, Freedom Mortgage received {$590000.00} plus {$250.00} recasting fee that I sent them. Freedom Mortgage did two things that I believe were wrong : 1 ) They still required that I pay the original mortgage payment amount ( based on {$650000.00} loan ) due XX/XX/XXXX. 
2 ) They continued to charge me for mortgage insurance. I was charged for mortgage insurance on XX/XX/XXXX. As I understand the Homeowners Protection Act of 1998, Freedom Mortgage should have automatically canceled my mortgage insurance when my my loan fell below 78 % of the home value ( mine was at 9 % on XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX has duplicate entries/accounts of my student loans on my TransUnion credit report, making my total debt nearly twice what it actually should be. 

I tried calling the company directly on XX/XX/XXXX to address the issue. I spoke with a representative and she transferred me to someone who handled credit reporting. After waiting on hold for 3 hours and 41 mins of total call/wait time, I hung up.
Product: Credit reporting or other personal consumer reports

I had a dispute with XXXX  for credit card fraud from identify theft where someone rented a vehicle in my husbands name and charged it to our credit card from XXXX XXXX. I opened a dispute with XXXX who told me the claim was denied despite this being identify theft and despite me letting them know I was in contact with XXXX who advised I must file the claim with them. I reached out on numerous occasions being escalated when asked to provide proof on how this is denied when this is 100 % fraud with no responses. They closed my account sending me my card to collections and never returning calls with information on their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to apply for a lease for a new vehicle and they told me they were only going to run my credit for their in house financing but they LIED!! they ended up running my credit to more than 10+ lenders WITHOUT MY PERMISSION! Very frustrating this has impacted my finances tremendously for me to only find out this is IDENTITY THEFT! These inquiries include : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I used a Debit Card and sent {$200.00} via Western Union to a relative in XXXX. The total amount was {$200.00} which included a {$5.00} fee. 
On XX/XX/XXXX relative went to pick-up money from Western Union in XXXX and was not able to get money. I called Western Union and was told that the transaction was denied because of a business decision. My complaint is since the transaction is being denied, I should get a refund immediately. However, Western Union stated that they will issue a refund within seven business days. If the transaction is denied, why is my money not returned upon denial. That is bad business practice. If denied, the refund should be returned to my account immediately not seven days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit card

Synchrony Customer Service XXXX XXXX XXXX XXXX XXXX, FL XXXX Attn : XXXX XXXX Dear sir XXXX Yesterday, on XX/XX/XXXX of XXXX, I have received the past month bill, which I have already paid last month and due was XX/XX/XXXX of XXXX. The cover letter suggested that I must have asked the customer service of your company to request this document or the bill, which I paid off, was returned by the XXXX XXXX. Since both cases are not possible due to the payment I did through my bank account, not online, I request to your company why you have determined to print out the bill of cycle of XX/XX/2024 without my recognition and official request. To make simple the matter, I requested the coming bill of XX/XX/2024 cycle, even though my account has been closed with the agreement of both sides and not sure whether you have still had the right to issue the bill. I have not already checked how much I owe you personally, since your company suggested the last letter. Since my account was officially closed with agreement, I do not expect there is an account of mine ; therefore, I am not sure whether I still have the online account itself. I will check around the middle of this month. If still I have the online account, at least I notice it. The issue is I do not have the intention to pay from that portal, and I want to pay as before through my banking account ; therefore, I request you will make it possible. Otherwise, I request you will send me the legal document, XXXX. Since I strongly feel the regret and anger over the issue of reward certificates, I will not open any credit card account of your company which I can not get any usable reward. 
Sincerely,
Product: Checking or savings account

I did my taxes on Cashapp  on XX/XX/2024 Cashapp said my refund would be paid into my account in 21 days. This did not happen, Cashapp is asking its customers to do their taxes using Cashapp. With promises of a refund within 21 days. It is now XX/XX/2024 and I still havent received my refund. Cashapp  needs to stop telling customers that their refund will get to them within 21 days, this is not a true statement but instead a scam.
Product: Debt collection

Sunrise credit services XXXX XXXX XXXX Latest attempt is XX/XX/2020 But has been going on for a year or so. 
Disputed this debt verbally with XXXX XXXX XXXX extensively. 
I XXXX XXXX had cosigned on an account for my daughter XXXX XXXX. Years ago. Approximately 12 years ago. She merged her XXXX XXXX XXXX account with her fiance about a year ago. +/- XXXX XXXX XXXX acknowledged this. But I started getting debt calls. Finally after hours and hours of hold time we got a manager to agree that the debt was transferred to the account and the old account was satisfied. A year later now I get a letter from sunrise credit services Inc. Claiming the same exact amount is owed.
Product: Student loan

Nelnet has stated that I may not access my accounts due to XXXX XXXX. Order of discharge was entered, and Nelnet still prevents me from accessing my account information necessary to review relevant details related to timescales, amounts, etc. 

As the trustee will no longer be making payments on my behalf I need access to my account to ensure I remain on schedule. Nelnet not granting me access prohibits me from ensuring my credit information and corresponding accounts remain current/ accurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address that should be listed on my credit file, should be : XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Remove any other address you have listed on my credit file as these addresses are not correct. The only address listed should be the one listed above. Any other addresses should be removed. The only name that should be listed on my credit file, should be : XXXX XXXX Remove any other name listed on my credit file as these names are not correct. The only name that should be listed on my credit file is listed above, please remove any other names you have listed on my credit file. 

I noticed there were two different socials connected to my credit file, these socials are incorrect and should be removed. The last 4 of my socials is XXXX Please remove the incorrect socials of XXXX & XXXX. 

Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, an UNKNOWN person went into a Bank of America location in NEW York and withdrew {$9600.00} and then went back and withdrew {$4800.00}. I live in XXXX TX and have not been to that location in NEW YORK. After alerting the bank of this discretion my accounts were frozen, and I have not been able to access the {$14000.00} that was STOLEN from my account. After alerting bank of America & they took over 3 months to " conduct an investigation '' it was determined that I would NOT receive the funds back because the unknown assailants knew my Pin and used my ID. This horrible misuse of my hard-earned money has caused me many late fees and undo stress. Every Monday for the last 3 months I have called Bank of America for an update and each time I have been told not to worry that this was under investigation. I have demanded bank of America to provide video or camera surveillance of the person who committed this crime, but I have not received any. I believe this may be an internal job by a bank of America staff member and I am asking for a full investigation to be looked into. Also, when I noticed the money was missing there was a suspicious phone number XXXX added to my account under the XXXX tab. THIS MAY BE the phone number of the person responsible. Bank of America needs to provide proof of the person that withdrew the money because it was not ME. I WAS NEVER IN NY at that time so it's clear that I didn't withdraw the money. I demand a full refund of my money and an official apology from Bank of America regarding this GROSS MISMANAGEMENT of my funds. I'm so distraught and just trying to survive while I keep fighting to clear my name. I have been struggling for 3 months waiting for an answer and they denied my claim. I CANT BELIEVE THEY ALLOWED AN UNKNOWN PERSON to withdraw my money and have treated me so badly all these months. I have been a customer of Bank of America for 23 year I feel so foolish. Please help! most importantly i was out of the country from Thursday XX/XX/year> to XX/XX/year>. I flew back from XXXX to XXXX arriving at XXXX. There is no way I then travel to NY to withdraw this money. I reported the activity instantly. I suspect my whereabouts were tracked viaXX/XX/XXXX, bank of america app etc and the criminals used this to STEAL. I will provide proof below.
Product: Mortgage

I contacted Chase to find out how to make a final payment on my home equity line of credit ( HELOC ) loan to pay it off. I was given mis-information ( told I could only get the info and complete the transaction via US postal mail or by going to a physical branch location - which XXXX, MA does not have ), was placed on hold for extended periods of time, spent literally hours on the phone with Chase personnel over the course of 4 days. All I wanted to to do was pay off my loan. It seemed that none of the " front line '' people could provide accurate, reliable information about how to do this. It also seemed to be a process purposefully designed to be inconvenient and difficult with the intent to dissuade people from paying off their loan. It turned out, once I complained more forcefully and mentioned contacting the Consumer Financial Protection Bureau, I was transferred to a supervisor and told that they can take payment via telephone ( with electronic transfer - as I have been making on a monthly basis for the last 10 years ).
Product: Debt collection

ADS COMENITY XXXX XXXX XXXX XXXX XXXX, OH. XXXX TO WHOM IT MAY CONCERN : I have no knowledge of this debt I was not provided any notification of any debt from this company. I have not had any chance to dispute this debt.
Product: Debt collection

I received a letter in XX/XX/XXXX from ERC dated XX/XX/XXXX seeking to recover a debt of {$800.00} on behalf of XXXX XXXX. The letter identified me as the debtor, but it was sent to a business XXXX XXXX that I do not receive personal mail at, nor which I use for personal billing purposes. On XX/XX/XXXX I responded with a certified letter demanding that ERC verify the debt. On XX/XX/XXXX, I received the " verification '' which appeared to be a service contract dated XX/XX/XXXX for a person with the same first and last name, but for service at a location in another state over 1,000 miles from my home. I've lived in my house over 15 years and I've worked very hard to achieve perfect credit. I don't know how to get these folks to stop trying to collect a debt that clearly isn't mine and I'm worried that it's going to show up on my credit report, hurt my score, or result in some sort of legal action.