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

Envelope received in XXXX for pre-paid Reward Card from employer. Reported as income via W2. Put envelope aside for use during XXXX XXXX weekend, when my family has a huge BBQ. Envelope simply stated name of employer and card value in window. Nothing related to time sensitivity or open now etc. No expiration date on exterior of envelope. On XX/XX/19, I opened the envelope and I called to activate the card. I was informed the card was closed. All funds were relinquished to Bank of America per the representative. No recourse offered. Simply stated card is expired. Given that the card was neither activated nor used, I never entered into Bank of Americas Prepaid Reward Card Agreement which governs its use. The agreement states that by accepting and using the Card, you agree to be bound by this Agreement. 

Given the card was not accepted and used, the Agreement in my eyes is invalidated. Bank of America should replace the card with one that is in date and has full funds of {$100.00}. Alternatively, if that is not feasible, they should provide me with the Fair Market Value of {$100.00} in Bank of America shares, as their business practices of confiscating earned income ( reported on a W2 ) less than 9 months post-receipt of a prepaid card surely would make the equity a great bet for the next 5-10 years.
Product: Mortgage

I have only been with NEW REZ for a couple months ( not by choice ). My loan was sold off. I went online to pay my mortgage ( never getting proper notice in the mail of any issues ) and my payment was increased by {$90.00} a month ( almost 1100 for the year ). Now I am a XXXX XXXX that does A LOT of business so I am very familiar with what can and cant take place. I called and requested someone to re look at it on the XXXX of XXXX That woman said my summer taxes increased by almost {$800.00} for the year ( untrue ). In the meantime, I went to my city and my taxes had extremely small increases and should have never made a difference since I paid an extra {$20.00} in my escrow 4 or 5 times and this company received my loan with a cushion. I called today again to get an update and was told the company decided I didn't need to have a second look. I thought that was extremely unprofessional especially by a company that never notified me with options. The first woman I spoke to was rude and wouldn't give me my next step ( actually told me to go back down to the city and send them the info as if that is MY JOB. I asked to speak to a supervisor who tried telling me that my summer taxes were 2700 something which is a BIG jump from last years XXXX ( she was comparing summer to winter ) and when I corrected her she started to back track. She then stated that NEW REZ has a different requirement for escrow cushions. I said " well we are now on reason 3 that doesn't make sense to an experienced XXXX  so can I have someone call me, I really think this needs a second look. {$1100.00} for the year is ALOT of money to be short on a loan I just refinanced 12 months ago with the proper info. No sale or purchase has been made. She decided to become rude as well. I am now looking into refinancing just because my impression of the people in charge of the roof over my head isn't starting off as a good one. I do not trust this wont happen again and if I cant even get the correct answers or clarification than I feel sorry for the customers that do not have a XXXX or XXXX XXXX   background. Something not right is going on here and I need to know what that is right away. I will make sure I no longer do business with ANY mortgage lender that allows NEW REZ to purchase loans and I absolutely will not have XXXX XXXX do business with NEW REZ.
Product: Mortgage

I am attempting to pay off my mortgage by transferring my escrow balance to my mortgage balance. Calls to customer service result in very extended hold times. I have averaged at least an XXXX on hold with them each time I call. The different departments do n't talk to each other and are obviously not cross trained or even trained at all. I have been trying to pay this loan off for going on XXXX weeks now and no one can even tell me why it has not already happened. One dept transfers you to another instead of trying to fix your problem. Absolute worst customer service ever. Now they are trying to add on late fees and fax fees as well as doing collections calls. And the entire balance of my loan is sitting in escrow waiting to pay the balance off.
Product: Debt collection

Please refer to my prior complaint : XXXX My loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX at one point. Initially, I complained and they claimed they could " neither confirm nor deny '' that I had any loans with them. Finally, after several phone calls they were able to give me a phone number to the new student loan servicer which is XXXX XXXX, XXXX. 

I was able to contact someone there and they said that they were now servicing the loan and that it would take time for them to input my data into their system. I provided them with my updated information and they said that for now, I should pay my student loans by telephone. I have been making monthly payments over the phone in the amount of {$700.00} since XX/XX/2021. I have not received a statement nor is it clear if they even have information on the original loan. At this point, I'm not even sure if the loan is valid and I'm simply paying because they simply think I'll continue to pay without question. We've asked for login information and gotten nothing. Now, six month later I'm still paying telephonically and there's no way for me to track who actually has my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the XXXX online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Product: Checking or savings account

I am writing to request your urgent assistance in resolving an ongoing dispute with Chime Financial , Inc. concerning unauthorized transactions on my account. I believe that Chime has mishandled my case, leading to significant inconvenience and financial distress. Below, I outline the situation and my request for a fair resolution.Summary of Issue : On XX/XX/year>, I discovered several unauthorized transactions on my Chime account totaling {$1100.00}. I reported these transactions as unauthorized and formally disputed them with Chime on XX/XX/year>. Despite providing all necessary documentation and information, Chime has failed to adequately address my concerns. The details of the disputed transactions are as follows : Disputed Transactions : XXXX XXXX : {$880.00} ( Denied ) XXXX Subscription : {$20.00} ( Denied ) XXXX XXXX XXXX Acct : {$12.00} ( Approved ) XXXX XXXX : {$140.00} ( Denied ) XXXX Subscription : {$20.00} ( Denied ) XXXX XXXX XXXX Acct : {$10.00} ( Approved ) XXXX XXXX XXXX XXXX : {$80.00} ( Denied ) Additional Unauthorized Transaction : During the dispute process, my new Chime card was hacked again and used at XXXX, indicating that someone is still using my account and personal information.Split Decision by Chime : On XX/XX/year>, Chime reached what they referred to as a " split decision '' regarding my dispute. They honored the unauthorized XXXX  charges but denied the rest of my claim. This inconsistent handling of similar transactions raises concerns about the fairness and transparency of their investigation process.Violations of Consumer Protection Laws : Electronic Fund Transfer Act ( EFTA ) Violations:15 U.S.C. 1693f ( a ) : Chime is required to conduct a thorough and accurate investigation of alleged errors. The inconsistent handling of my transactions suggests a failure to comply with this requirement.15 U.S.C. 1693f ( c ) : If a financial institution takes longer than 10 business days to investigate an error, it must provisionally recredit the consumer 's account for the amount in dispute. Chime exceeded the 10-day investigation period and did not issue provisional credit before denying my claim, thereby violating this provision.Fair Credit Billing Act ( FCBA ) Violations:15 U.S.C. 1666 : This section provides consumers the right to dispute billing errors, including unauthorized transactions. Chime 's partial approval of my claim and denial of the remaining transactions, without adequate explanation and within the mandated time frames, indicates a violation of my rights under the FCBA.Failure to Provide Clear and Consistent Communication : Chime 's responses to my dispute have been inconsistent and lacked clarity, which is contrary to the principles of fair and transparent communication required by consumer protection laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been Filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX ) that you, the EQUIFAX credit reporting agency , shall block information appearing on my consumer credit report that is the result of identity theft and fraud and remove these accounts within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bank loan XXXX XXXX XXXX, balance {$1200.00}, on XX/XX/XXXX acct # XXXX. 
an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, balance {$2700.00} under the account # XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX, balance of {$3400.00}, account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

At XXXX on XXXX I started receiving SMS verification codes from Coinbase. I woke up around XXXX due to constant pinging of my cell phone and saw all these texts and instantly knew something was wrong. I got multiple other texts saying withdrawals have been delayed for security purposes. I didnt do or authorize any of these. I jumped out of bed and instantly disabled my account online with Coinbase. I used their online submission form to disable. Since CB has no live agents to chat with I emailed them to ensure they knew these withdrawals were fraud. Since my account was XXXX I could not sign in to cancel these withdrawals. Ive emailed CB multiple times to inquire if they stopped these withdrawals that they put a delay on. I have heard nothing from CB on resolving this issue. On XXXX I started the account recovery process so had to send them pics of my drivers license and a selfie of me. They state it will be 4 days to recover my account. Since no communication from CB I dont know if they stopped these withdrawals or not. I have emailed 3-4 times with no response. 36 hours later and with 6 figures in my account before the hack I have no idea if I have any money left. Crazy that they cant assist me quicker and a multi billion dollar company has no live agents to help people immediately for these issues.
Product: Prepaid card

XXXX / XXXX XXXX XXXX reporting is inaccurate : My history with the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for!. Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 DID YOU FILE A 1099 c?
Product: Debt collection

This company is posing as a debt collector and phishing for personal information. They called and asked me for my address and last XXXX digits of my social. When I refused and asked them who they are, they hung up on me. If it was a legitimate debt collector they would have that information or would be willing to answer my questions. 

CCI Contract Callers Inc. 
XXXX, GA XXXX
Product: Debt collection

This company continues to Report a " medical bill '' to the bureaus after they have been provided the police report and all documentation several times. They are dogmatic and threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX ... Balance : {$450.00}
Product: Debt collection

XXXX XXXX XXXX had been sending fraud damages claim on tenant and not fixing it ... Collection Bureau of Fort Walton Beach keeping saying they are third party .They are not investigating the situation before ruining somebody credits..owner of this company know them for 30 years and they trust them..They been frauding for 30 years. One bedroom one bath they say I owe almost {$9000.00}
Product: Credit card or prepaid card

After being the victim of identity theft, a police investigation determined that much of the damaged that occurred was due to " exceptionally negligent actions by Citibank and a refusal to temporarily freeze account. This allowed the perpetrator to commit transactions exceeding far beyond the credit limit. '' These words were taken right from the police report which Citibank received but refuses to acknowledge it was received. My attorney has proof. 

I have a letter from Citibank stating it was an error on their part, they waited months to address this, and were removing fraudulent charges from the account, opening the account, and restoring all privileges including XXXX pay etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself to address the imprecision on my Experian report. I am unaware that my courthouse has the ability or manpower to call Experian and provide them with information for each consumers civil claims or judgments. If they did, I can guarantee you the unemployment rate in the nation would be eradicated with all the positions they would be filling. So please, provide me with the name and number of the actual third party that provided you with the details for the following : Bankruptcy XXXX XXXX Reference # : XXXX
Product: Debt collection

On or about XX/XX/XXXX or XX/XX/XXXX I called Kohls to discussed a closed account and possible getting a settlement offer with the ability to make monthly payments. The agent that I spoke to was able to provide me with a settled offer of {$190.00} making 6 monthly payments of {$32.00} which I accepted as it was what I could afford. The amount of the acct was {$380.00}. The agent then advise me that I would need to make a payment of {$32.00} by XX/XX/XXXX which I did. I even asked him if I could make the payment in the store that Friday evening which he advise he is not certain but I can try. I then tried but the acct was not in store so I ended up sending a money order. On XX/XX/XXXX I got a email advising that my account was changed so I was confused as to what was happening so I called the number provided in the email only for the agent to tell me that I settled for {$230.00} and would only be allowed to make 2 separate payments. I then told her that I already set up arrangement on this account only for her to tell me that they have no notes of this ever happening and that I did not call to do so and I will have to pay the {$230.00} no matter what. Is this even legal to go back on your word and if your calls are even being recorded why would this changed with no explanation of why and then make it looks like I am lying and did not make contact with the office? I then asked to speak with a supervisor and at this point was transfer to some collection agency called XXXX XXXX apparently after they saw my settlement with the agent they went ahead and wrote it off and send it to the collection agency which this is not fair or even ethically right. the account was transferred almost a whole 10 days later. I know these calls are recorded can we have them listen to the calls as I know I spoke to someone at the Kohls office. I never had any interaction with this XXXX XXXX office until XX/XX/XXXX so of course when they look into their notes they would not see any communication. I was asked to send a letter requesting investigation but how can I send a request to investigate when I did not spoke to anyone in XXXX until XX/XX/XXXX? I am writing this as I need help in resolving this with Kohls. it is not fair to offer something and then said whoops sorry you have to deal with the collection agency as our offer apparently is not valid or we did not record it so it is not considered legal. I don't know what you can do but any help is appreciated.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there was inaccurate late payments showing on my credit report that I was never late for. The consumer reporting agency has assumed a viral role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the payments for the account that I have included, a screenshot inside this complaint on dates of [ month/year ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided l demand, these late payments be updated to paid as agreed on time as they should be due to the fact, I was never late. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is nothing short of predatory behavior where consumers are taken advantage of and there is no recourse. 
I retired last XXXX and is trying to pay off my loans and mortgage. Each time I do something positive my credit score is lowered. This low number is then exchanged with my insurance companies who in turn increase my premiums goes up. It feels more like a scam which needs to be corrected. 

For example : On XX/XX/2023 I received this message from Experian. 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness.

Reason - Nice job paying off your loanyour account was last reported as having a Loan Outstanding, but now it's showing as paid with a zero balance. 

On XX/XX/2023 I received this message from Experian. 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness.

Reason - Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 
I paid my Home and Auto insurance and my Current Balance on my credit card was {$1600.00}. My credit card is paid off every month and there was never a late charge. 

This credit score number is a scam and should be properly regulated of eliminated. 
Thank you XXXX
Product: Checking or savings account

Company : Chase Date : XX/XX/XXXX Amount : over {$70000.00} I have been a Chase customer for years. They just mailed me a letter to notify that they have decided to closed all my accounts ( including checking, saving and credit cards ) in Chase without telling me a specific reason. Chase didn't contact me before and they told me this is a final decision and they didn't accept any appeal too. 

This decision not only hurts my feeling but also causes a lot of inconvenience to me. It will take extra time for me to transfer my money to another financial institution and will cause a pause of financial services for a period of time. Moreover, it will have negative impact to my credit score.
Product: Debt collection

Relative was served by sheriff today that I was being sued by XXXX XXXX for a debt that was sold by Citibank to this agency. ( File XXXX ) I no longer reside at XXXX XXXX XXXX XXXX, property sold to relative XXXX. We reside in XXXX XXXX Florida. Documents were served to relative ; were not sealed and read by relative ; clearly violating confidentiality laws and my rights. In further checking they also contacted and shared personal info with my son XXXX. This caused embarrassment to my family, neighbors and children were present, when served. XXXX had no right to serve improperly or to share my financial info. 

I attempted to negotiate with Citibank a 5 year payment plan after a rental property was badly damaged by Hurricane Sandy. They passed debt to an Illinois agency prior to selling/factoring this receivable to XXXX XXXX. I was never called or notified that XXXXwas filing suit. Never heard of these people.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( BLOCK .INC. ) due to inadequate customer service and unfair practice.which violate the customer 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 has caused significant inconvenience and financial loss and I seek appropriate redress for this violation