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

I was given 24 hour notice that my Savor credit card with Capital One is being closed, despite staying within my provided credit limit and paying my statement balance on time. The explanation I was given via email was because your purchase activity has not been consistent with our expectations of how consumer accounts are used. Providing benefits and then closing customers cards for using them is fraudulent and should be dealt with accordingly.
Product: Debt collection

I was unaware of this collection on my credit until I checked my credit score one day and it was dropped a lot. I looked at my credit report and saw the account on there. I did not know who they were or what they were collecting for. I gave them a call and they told me what it was for and I have not been to XXXX XXXX XXXX. I have never even heard of XXXX XXXX. I would like to dispute this because this is not my debt.
Product: Checking or savings account

Several months ago my account was seized for adding money into it. ( Into a savings account ) This money came from my VA XXXX and apparently it's suspicious to add funds into an account. I received that money to help with my everyday life and to keep my bills paid. It have been over 5 months without the ability to get my money to pay my bills. They said " you must contact your bank account to get your money back 'XXXX XXXX  so let me just ask my bank for over {$12000.00} that a different bank, Ally has seized XXXX  that makes total sense. So once they realize they messed up they claim to have reinstated my account. GREAT! Now I can close my account and never have to deal with Ally again! Only to find out they have SUSPENDED ANY EXTERNAL TRANSFERS. So you mean to tell me, I get to have a very expensive savings account application that I just get to stare at while my bills remain unpaid? Great! I love it. This makes total sense.
Product: Mortgage

I first contacted Amerisave on XX/XX/2021 to refinance my home loan. I was put in contact with Loan Specialist XXXX XXXX. XX/XX/2021 I paid for the {$500.00} Application fee and asked them to include my girlfriend on the loan just like she is right now. XXXX told me that they would have to transfer the {$500.00} to a new loan and that he has to wait for a manager to do it. It is now XX/XX/2021 and the fee has not been transferred. I've emailed Amerisave over 16 times and probably called and left twice as many voicemails. I also have complained to XXXX XXXX at Amerisave, and still, no one has called me. This company has wasted my time and stole my money.
Product: Money transfer, virtual currency, or money service

After needing my roof replaced, XXXX a claim was submitted to my insurance XXXX  They settled the claim & all funds were disbursed to the contractor in full. 
There was, however a small amount of damage to interior bedrooms.XXXX sent money to cover repairing this damage to the mortgage co. PHH . Initially, I was to have a contractor repair this damage, after the roof was replaced, however he became ill & could not do this work. 
At this time I proceeded to repair all the damaged rooms myself, & informed PHH once it was completed so that they could have it inspected before releasing the remaining funds. They requested a document from the contractor explaining why he was unable to do the work. On multiple occasions I faxed PHH this information & was told the funds would be sent to me. 
After calling multiple times, I was told by different people in the resolution team that it was cleared for payment, after the management team okd it. I have spent many hours on the phone trying know what they need to finalize this matter but can not receive a return call All funds have been disbursed since end of XXXX & I need to finalize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Experian to furnish all documentation on how they were able to validate a bankruptcy that is listed on my file. I reached out to the bankruptcy court that informed they do not report public record to the bureaus. I have tried disputing with Experian multiple times that come back as verified but they never furnish any proof. I would like to see direct proof or have the bankruptcy removed immediately
Product: Debt collection

To whom it XXXX concern. Midland Funding LLC has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact XXXX XXXX XXXX XXXX XXXX, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of MIDLAND FUNDING llc XXXX OF XXXX XXXX XXXX, XXXX & gt ;
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 practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Payday loan, title loan, or personal loan

The company was not forthcoming with information that I had NSF fees due to them pulling and re pulling a payment. The company charged me every time that a payment was ran, while my bank shows that the only attempts made were successful. This cost me XXXX $ at the end of the line of credit. There was no notice on my account that anything was wrong. I was told that I could change the due date later, but as I showed each payment went through successfully I did not feel this was necessary. The way they charged these fees was very deceptive and they would only waive 45 %. This company is fraudulently charging NSF fees to make more money.
Product: Money transfer, virtual currency, or money service

I have {$1000.00} that was wired to my wallet on Coinbase. It is in cash, not virtual currency. Coinbase disabled my account. I called Coinbase and they tell me that they can not tell me why it was disabled, when I will have access to my funds, or whether I will regain access to my funds. They just tell me that I will need to wait. I ask them how long or why my account was disabled and they have no information. They claim only support staff knows that information and you are not allowed to speak to them.

Essentially Coinbase took {$1000.00} of my cash and disabled my account so that I can not get access to it and wont tell me why it was disabled or how to get it back. This is criminal theft as far as I can tell. These guys should be prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter dated XX/XX/XXXX, Online Information Services, a collection agency based in XXXX North Carolina, on behalf of XXXX XXXX XXXX XXXX XXXXXXXX, claimed that as of XX/XX/XXXX, someone with a similar spelling of my name owed {$330.00}. Because I had no familiarity with XXXX XXXX XXXX XXXX XXXX or knowledge of outstanding medical debt, I disputed the debt through the collection agency. I received a response on XX/XX/XXXX and shortly after, was provided via USPS, a collection agency report. The report, again, names a person with a different spelling of my first name, my last name, unknown XXXX XXXX, CA address, and a DOB that is not mine, along with general information about the provider and date of service ( XX/XX/XXXX ). I called the collection agency and spoke to two different people regarding the incorrect information. They assured me that if none of the identifying information pertained to me, then I had no reason to worry about it, especially if it has not appeared on my credit report. Less than a week after my phone call to the collection agency, the collection appeared on my credit report. I'm trying to understand how a collection agency can lodge this false collection/debt on my report when 1 ) It is not my debt ; 2 ) they do not have the correct spelling of my name ; 3 ) they do not have my correct DOB ; 4 ) I have never lived or received medical treatment in Long Beach and do not have record having received services from the named provider. I disputed the debt with the credit agency ( XXXX ) and they said they would look into it. Today, the dispute was supposedly settled and it is in the collection agency 's favor ( i.e., the collection debt will not be removed ). I am submitting this complaint because I'm reiterating that this is not my debt and both parties ( collection agency and credit agency ) need to do their due diligence.
Product: Credit card or prepaid card

From last three months American Express is playing games with me, American Express or Amex is rejecting all the disputes I am filing left and right. 

But I was shocked about the recent American express dispute I filed in the month of XXXX for {$430.00} of XXXX XXXX in XXXX XXXX, XXXX, the investigation took over a month and i was finally given a permanent credit on XX/XX/2021 of {$430.00} on XX/XX/2021. 

Now I received an email yesterday that again I will be charged {$430.00} in my Account. 

What happened to American express I want to ask? Their service has gone to the doldrums. 

My next step would be to go to court regarding this.
Product: Student loan

I have been receiving many calls per day from Navient, even though I had notified them that my loan is now nearing XXXX XXXX XXXX 
On XXXX XXXX, I received a message from XXXX XXXX, from a person that I did not know. It turns out that she is my neighbor from across the street, and I really have never met her. She started receiving calls from Navient, regarding MY ACCOUNT!!! This is a complete invasion of privacy, and unlawful. They gave her information that was personal, including my name, address, and that they were attempting to reach me regarding student loan debt.. I plan to pursue this through the legal system, as they have invaded my privacy, and broken privacy laws. Please give me information, as to an attorney that I can contact to pursue this. I have kept the messages that I received from the neighbor, as proof. 
Thank you,
Product: Money transfer, virtual currency, or money service

I was a victim of fraudulent wire transfer on XX/XX/2022. The funds were transferred from BofA ( personal account ) to a fraudulent XXXX XXXX  account. The following day ( XX/XX/2022 ), the fraudulent activity was realized and appropriate actions were taken to retrieve the funds from BofA. A fraud claim was submitted with BofA and BofA contacted XXXX XXXX  to recall the wire transfer shortly after. Since then, the update in regards to the case has been minimal at best. BofA Analyst that handled my claim has yet to contact me when request was made multiple times. I, then, requested a call from a BofA supervisor to contact me, and that has yet to happen either. I have contact XXXX XXXX  multiple times and they can not give me any information as well. I feel my case has been stagnant and minimal effort is being placed to retrieve my funds. When I call the BofA Fraud department, I am always told that a request has been made to XXXX XXXX  to retrieve the funds but no other update can be provided. This is very frustrating as my life is, in essence, put on hold until this can be resolved. I feel the customer service provided from BofA is poor, at best. Your assistance in motivating BofA to resolve this matter would be much appreciated.
Product: Debt collection

I am filling a complaint against XXXX XXXX XXXX I had a credit card With the XXXX XXXX XXXX was opened XX/XX/XXXX the last payment on this card was XXXX on XX/XX/XXXX. XXXX  XXXX XXXX researched there records when I filed a complaint case number XXXX with cfpb and said that they had nothing to do with the garnishment of my wages for this account because they charged this account off as a loss on XX/XX/XXXX with a balance of $ XXXX.The account was sold subsequently to XXXX XXXX onXX/XX/XXXX they said that they are sorry that I was unfairly treated and that I would have to get a hold of them because they no longer own or maintain this account as they charged it off 12 years ago. 
So this XXXX XXXX has a garnishment on my payroll at my place of employment for a card that was already charged off as a loss 12 years ago and this place has had it for 10 years claiming that they placed it with the judgement in XXXX XXXX court onXX/XX/XXXX again 8 years later then they placed it with the XXXX of XXXX XXXX XXXX in XX/XX/XXXX and had them send a letter to my work to receive {$2600.00} from me for a debt that still from the date of the City Court was 8 years later I spoke with my lawyer and he said the statute of limitations runs out after 6 years from the date that you made the last payment and that this company is not adhere to all fair lending laws and regulations he said he will give them a chance to make this right with this complaint I want this to stop coming out of my pay and I want the money that they have received from my pay in the amount that they have received so far XXXX not only have they embarrassed me at my job but they are not doing the right thing to people and they should make this right also when I called them regarding this matter they were rude and said if you want this out of your hands gives us the hole amount and we will remove it and that I don't know my laws its 20 years and that what I owe them in interest and thats to bad I should have payed it in XXXX. 

I feel that if they are doing this to me then they are doing this to many other people and they need to make this right am also filling a complaint with the XXXX office on this matter so they can see what these people are doing and how they need to get involved.
Product: Credit card

I want the copy to close the credit card and send me back my money to my credit bulider payout account
Product: Mortgage

About XX/XX/2002 we took out a Reverse mortgage thinking it would be of benefit to us. However since that time our loan has been passed from one financial institution to another, to another, to another, XXXX being one of them. These companies have charged us very high rates, and put enforced insurances on our property, to the point now where we have very little equity in our home. We need to downsize due to health problem and age but do not know if we can do it because we have been robbed, we feel. I think this Reverse mortgage thing is a big scam placed on older people. We had to retire early due to severe health problems and now are in dire circumstances. Is there anything that can be done? Or is there any way we can get out of this? Please help us if you can. Thank you. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SunTrust Bank ruined my credit by reporting me to a nationwide credit agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. SunTrust took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to SunTrust Bank they can not explain logically why SunTrust did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to SunTrust Bank actions. SunTrust has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received alerts on my XXXX XXXX app that several inquiries were reported to the credit bureaus indicating that someone was applying for credit in my name. I immediately contacted the three financial institutions involved and confirmed that someone was using my ID to obtain loans. Two of the banks took immediate action to end the loan process, Avant did nothing. One of the banks told me the email and phone number the applicant was using, and I confirmed that the information they had was false. Avant would not even allow me to talk to their fraud department nor would they confirm that they would stop the applicant from obtaining funds in my name. I filed a police report and included what evidence I had. 
Avant was extremely uncooperative while the other two banks were helpful and immediate in their response. I did not hear anything from Avant for months, and when I called they told me there was nobody I could talk to about my " case. '' In XX/XX/XXXX I received an email from Avant requesting that I fill out their " ID Theft '' affidavit which they sent in a PDF form. Upon reviewing the form I noted that Avant wants me to give them all of my personal identification information including my social security number, contact info, driver 's license, bank account information etc. I called Avant to discuss this and still they refused to allow me to talk to anyone in the fraud department.

I have no intention of giving all of my personal information to Avant and question why they would ask for such information when they have in their possession a fraudulent application for credit in my name. I decided to file a complaint with the CFPB. After that I received a second email from Avant, this time claiming that they have in fact funded the fraudulent application, even though they acknowledge that I had called in to stop the loan process. Again, they sent the " ID Theft '' affidavit and requested me to fill it out and include a photocopy of my driver 's license or passport, and to have the affidavit notarized.

Why in the world would I send any information to this company?! If they did fund the fraudulent application after I filed a complaint with them then I believe they have broken the law. I also believe it is, or should be illegal for this company to require in-depth personal information from me before they will send a request to the credit bureaus to delete their hard inquiry.

In their response to the first complaint filed with the CFPB, Avant claims that they had an internal problem that caused the 3 month delay in their initial response to my phone calls to them. I think this is unacceptable. To leave me hanging like they did, wondering if someone obtained funds in my name was stressful to say the least. I think Avant is a terrible company and they have put my credit at risk, and their only response is that they want all of my personal information which I absolutely refuse to give them.
Product: Credit reporting

I made a timely payment to XXXX Bank for my XXXX credit card payment beginning with XXXX. Due to an error on their end it was not processed and incorrectly reported to all credit bureaus. XXXX Bank agreed to notify all XXXX credit bureaus to remove the late reporting on my credit report and issued a letter on XXXX XXXX, 2015. I notified Experian on XXXX XXXX, 2015 and on XXXX XXXX, 2015 to remove this incorrect information from my report. I also called them and uploaded the letters from XXXX Bank on their website. Despite numerous requests they have not removed this information from my credit report. The other XXXX agencies XXXX and XXXX have removed this information as of XXXX weeks ago. These actions by Experian are in violation of the credit laws established as they have not adhered to the XXXX or XXXX day deadline from my XXXX/XXXX/15 notice. Please have them correct this immediately. 

XXXX XXXX
Product: Debt collection

Debt collector had been calling multiple times a day since the end of XXXX, beginning of XXXX. I have received zero information in regards to a debt, just that I need to contact them and its urgent. After asking them to stop calling and being ignored I then sent a cease desist letter to stop calls to myself and anyone related to me and my employer. I asked for a statement of a debt, and have received nothing in the mail, only nonstop phone calls that are so frequent its harassment. Multiple calls, every single day. When I called back two people were  talking to each other over me and yelling about how theyre not harassing me and they can keep calling if I owe a debt and wouldnt let me speak. I hung up, and immediately sent a cease and desist letter, with delivery verification and the collector, XXXX XXXX, has since violated that. The next day at XXXX he called again, I said again to stop calling and hung up.
Product: Credit reporting or other personal consumer reports

This is not a request for a reinvestigation. The following account has been repeatedly disputed with no resolution that is consistent with the FCRA. 

I reviewed my credit report for accuracy and asked Experian to investigate the XXXX Account # XXXX because the account has XXXX separate charge offs that were inserted with no payment history that would justify or explain the charge offs. In fact, the information provided to me by Experian clearly shows the account as being incomplete and inaccurate, because of missing data and a payment history not supported by facts. ( see attached from Experian ) XXXX Account XXXX The Fair Credit Reporting Act affords me the right to a complete and accurate report. The Act clearly outlines steps In Cases of Disputed Accuracy ( see attached, FCRA Sect 611 ) Experian claims they have verified this information without conducting the appropriate and legally required investigation. ( e-Oscar is not considered an independent investigation ) I disputed his account for inaccuracy, because of the unexplained charge offs. On XX/XX/XXXX, I received a dispute investigation result which explained that the account was verified as accurate. However, the account was not properly verified, nor was it updated. The last status update, according to Experian, was XX/XX/XXXX. How can this account be verified and updated in XX/XX/XXXX with the last status update XX/XX/XXXX. The account was not investigated and updated. 

Experian is reporting XXXX separate charge offs and ND, no data as a payment history for this account, which makes it inaccurate and eligible for deletion. This is a violation that needs fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year now my XXXX XXXX credit card trade line has not been on my Equifax credit report but was on my other credit bureaus reports so I called Equifax and was told the reason for this is that my credit card was removed from my credit file with XXXX so I filled a dispute to get it added back to my Equifax credit report. At the end of the dispute nothing was resolved and the reasoning for this was because XXXX XXXX was no reporting to them. After I received this information I submitted a dispute directly with XXXX XXXX in which it was resolved XX/XX/2021. XXXX XXXX has shown proof along with a AUD number stating that the trade line was added back and they are normally reporting to Equifax. Now 5 months later Equifax is telling me on the phone that they dont not see this and it may be due to a issue with their business department. This is beyond frustrating. It is preventing me from living my life.
Product: Credit reporting or other personal consumer reports

Please remove all the fraudulent accounts and misinformation from my credit report. I did not open these accounts myself and need these accounts completely removed from my credit. I placed freezes on my credit to try and prevent this from happening again. I believe my information was leaked in a data breach or stolen. Regardless of how this happened I should not be responsible for the debt attached to these accounts. I am trying to rebuild my credit but have been unable to do so because of the fraudulent accounts reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX