23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I immediately reported a charge on my debit card back in XX/XX/year> for the rental of an RV, which I was fine with. I noticed 2 additional charges for INSURANCE, which I was never told, asked or agreed to. I have XXXX XXXX  that would have covered me if I warranted a claim. The policy they charged me for was over {$200.00} DAILY, which is absurd. I rented the RV to evacuate from my home in XXXX XXXX during hurricane Milton. We were ordered to evacuate and my daughter had a XXXX XXXX XXXX XXXX. It was the easiest way for the family to leave. We had hours to do this as you can imagine the stress and XXXX  involved. We returned @ XX/XX/year>. The RV was returned XX/XX/year>. The bank charge appeared on my statement the following week and I immediately called. I refuse to be charged for something I did NOT sign for or agreed to. The final decision was XX/XX/year>, mot in my favor. I moved forward closing out my credit cards, paying the balances off and making the decision after at least 10 years of banking with them to leave. I am not going to be charged for something I never agreed to. Furthermore, I wasnt even told about this insurance I was paying for. It was slipped in and it makes me furious. I have attempted to close this account for good and decided they need to be reported. Its a sad day when honest, hard working people pay for the dishonest ones, but thats whats happening here. They absolutely need to be investigated properly. Not by a person that is outsourced by the bank itself.
Product: Debt collection

The listed companies on the attached files that were also mailed out to the 3 credit bureaus exemplify the abuse that I endured. Contacting third parties, such as my employer or friends and family, about the debt. Falsely representing the amount of the debt or the legal consequence of non-payment. Making misleading or deceptive statements. 

These actions have caused me undue stress and emotional distress. I request that the CFPB investigate these allegations and take appropriate action against the companies listed on the attachment to stop the harassment and ensure they comply with the FDCPA.
Product: Credit reporting or other personal consumer reports

Recently I went to XXXX XXXX  to open an account and was notified of this adverse report listed in my file. I was unable to open the account furthermore I've never done business with this company. They've refused to remove the debt or prove the legitimacy. I've attempted to resolve it amicably and would like you to bring it forward on this platform. The debt needs to be removed as it is not mine.
Product: Debt collection

I have blocked the number in my XXXX  several months ago and continue to get several calls and voicemails a month, sometimes several in one day.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I received notice that {$2000.00} was sent from my Western Union account to someone who was in my contacts and then the receivers name was somehow changed to a name I did not recognize. I MOST EMPHATICALLY DENY authorizing this transfer. I notified Western Union immediately telling them this. I also then cancelled my Western Union membership. 

I filed a dispute with my bank ( XXXX ) and sometime soon after the money was temporarily credited back to my checking account, where it remained until XX/XX/XXXX, when it was taken out again with no notice. 

Since this transfer was CLEARLY fraudulent and made without my authorization, I need my hard -earned money back permanently and without delay or hinderance on the part of Western Union XXXX
Product: Credit reporting

I 've sent numerous disputes to Equifax and each time it 's the same old thing " We find that the information is correct '' or " the information has been update '' showing nothing more than an 'I ' dotted or a 'T ' crossed. These are judgements that are ruining my credit and Equifax feels they do n't need to verify which they really do n't anyway. They check with what XXXX XXXX has and goes off of that even though XXXX XXXX has incorrect information XXXX times over. When someone has had enough they are n't going to be taking XXXX XXXX to court, it 's going to be Equifax. None of these judgements are recorded judgements. I 've gone to the courthouse many times ( small town ) and these judgements were never recorded and do not show up as recorded judgements. The number on the credit reports for the courthouse are not even working phone numbers and I was told by court employees that they have never spoken to, let alone verified, anything with the credit bureaus so I would like the name of the person you spoke to, the address and phone number so that I can enforce legal action for reporting false information about me. XXXX and XXXX deleted so I 'm really interested in what Equifax knows over XXXX and XXXX that they can verify unverifiable information. One of the judgements has my name as XXXX. I 'm a lot of things, but I 'm no XXXX. Last XXXX of accounts : ... XXXX, ... XXXX, ... XXXX, ... XXXX, ... XXXX. I 'm just so tired of fighting something Equifax does n't even bother investigating.
Product: Mortgage

A modification was completed on the first and second mortgages on my property in XX/XX/XXXX. My theory is that when servicing of my loan occurred in XX/XX/XXXX/XX/XX/XXXX, my new terms were not applied and my payments were not reduced. The previous servicer was XXXX XXXX, Attn : Mod-Imaging - CA XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I also filed for bankrutpcy around that same time. 

Every time I tried to speak to someone I would be told that I was calling the wrong place. I do n't speak English fluently and these banks are taking advantage of this.

In XX/XX/XXXX, I sent in another mortgage assistance application to Ocwen and they called me to tell me they received my application but that they only do refinancing and that I sent it to the wrong place. Please assist me in getting the assistance to keep my home.
Product: Money transfer, virtual currency, or money service

Hello, i have use Coinbase as a virtual currency wallet until the day i have lost my phone. I have contacted them on XX/XX/2017 to solve my problem but the answer was not helpful to me : " XX/XX/2017 XXXX XXXX PDT XXXX replied : Hi there, Sorry about this. 
We arent able to manually verify an ID. 
If you arent able to complete this on a webcam, I recommend using a mobile phone in bright window light. ( Download the app. Then click the hamburger menu > Settings > Identity verification. ) https : XXXX? XXXX XXXX XXXX XXXX XXXX.coinbase.XXXX If you are able to access a web cam, you can also try this direct link. It will work for GDAX too : https : //www.coinbase.com/XXXX Sorry again about this. Good news is youre almost there! 
Thanks, GDAX Support Team Best, XXXX " After some time reading on the internet from others with similar problems i have found out that there are a lots of people who need help like me.

i have decided to contact Coinbase again on XX/XX/2017PDT i have replied : I am stil unable to verify my identity. O own a laptop with webcam and it say unsupported country, I live in XXXX. Practically it is impossible for me to take that account back? " no answer, and i have writhe another mail : " Hello, I have lost my phone number, tried everything to get that number back but i can`t. 
The response on my last support ticket was to verify with a webcam my passport and myself, i have done that but it did not help because my passport is a XXXX one and i live in XXXX. 
Can someone please explain me what and how to get that account back? i can provide photos of me, my passport, driving licence bills, last password, last phone number and so on. And when it is not possible just tell me that directly please because i am tired of waiting. " And finaly i have an answer : " XX/XX/2017 | XXXX PDT XXXX replied : Hi, thank you for contacting Coinbase. 
Residents on our list of Supported Countries can access GDAX. 
First please upload your passport at this address : https : //www.coinbase.com/XXXX You may see a country does not match error, which is fine and expected. 
Second, please send us a recent utility bill, lease or mortgage document showing your legal name and residential address. For security purposes, we request that these files are uploaded at this secure page : https : //coinbase.XXXX Please reply here once you have uploaded the documents, then I can review your change. 
Thank you. 
Best, XXXX " Need to mention that i have uploaded every document they asked for and even more and i have replied 2 times with 0 success. 
This is the point where people get stuck with Coinbase. They wait for us to give up and let our money there, but that does not work with me. I don`t have so much money on my wallet blocked on this moment from me, but they are mine and because so many people have the same problem as me, i am really focused on getting whats is mine back. i want to apologize myself for writhing defects, English is not my mother language. 

Wish you the best of luck!
Product: Debt or credit management

okay I purchased something at XXXX and I guess they had a scamming machine or something like that because after I purchase something there few hours later money ended up missing out of my account and it was XXXX. missing out of my account and let alone this race track is in XXXX Florida and the money was withdrawn from a XXXX XXXX XXXX in XXXX Florida and the weird thing is about it. is that looking at my XXXX XXXX showing the transactions information? it shows XXXX with the store number XXXX and where the money was withdrawn the XXXX there. the stores name is XXXX with the same ending XXXX same number. so I'm guessing that somebody at XXXX XXXX had a scamming machine or something like that because it's weird that after I did that transactional XXXX XXXX money ended up missing out of my account that I ain't authorized and I told my bank about it that it wasn't me and I even showed them proof of my location. they still telling me that is no error that basically I did the transaction because there's no way of they took out money without my my card at a XXXX when they did do it without my card and I'm fighting to get it back but they still don't want to help me give him my money back and they're telling me that it's not error
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint response was not satisfactory. Please see attached document.
Product: Debt collection

I have noticed on my monitoring service an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC multiple times due to multiple accounts being reported a debt of {$66.00} and another for {$91.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible as this these accounts are effecting my personal file.
Product: Credit reporting

For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across Experian, XXXX, that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all XXXX did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.
Product: Vehicle loan or lease

JP Morgan Chase erroneously charged me for end of lease. Even more I traded my XXXX XXXX XXXX XXXX in on a pull ahead program with XXXX XXXX at the dealer. No one at the dealer advised me of damage or the opportunity to have a pre inspection. Therefore I disputed this transaction immediately after receiving a XXXX statement. I heard nothing from them until XX/XX/XXXX which was a reduced bill for lease liability. I then sent another lease dispute letter for I wanted pictures and when I made a lease deal for my new XXXX   XXXX XXXX XXXX, the dealer stated this was a total deal and I took advantage of the manufacturer 's Pull Ahead Program. 

The monthly payments were to be absorbed and the excess wear and tear was not documented. Once again, I asked for pictures and did not receive them and on top of that I was told by XXXX XXXX that this was a clean all inclusive transaction. This is very shady. 

However, the most damaging thing is that it has been reported to my credit as I attempted to pre-qualify for a home. This is insane! 

I was on the phone with Chase and spoke to two reps and the credit counselor there and they said there is nothing I can do. They can not remove the credit ding even if I paid in full although I know I don't owe the money. 

I asked for a letter to show to the Mortgage company from Chase to show that this is in dispute and it has been reduced and still they won't help me. They said that I had to pay it in full to stay off my credit! What a hoax and an awful way to treat a current customer. 

Please aid me in this and I know Chase has had complaints. They provide no remedy or supervisor to speak to. Meanwhile I can not get a loan. 

Thank You! 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX and XXXX XXXX, account # 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 a account without my written instructions
Product: Student loan

I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( AES ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX & XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I was purchasing a refrigerator over the phone through LOWES XXXX XXXX  using my LOWES credit card. I have possessed a credit card with LOWES for approximately 8 years and have never been late making a payment and many times paying my full balance off. I have an exemplary credit file with no late payments ever made. 

Although I had adequate credit available to make the purchase, the purchase was declined and I contacted LOWES at XXXX to investigate why. I was given an obscure excuse that the credit bureau is making them verify my identity. They completed the two-step authentification process by sending me a link via my phone number which has been on file, and to scan my driver 's license front and back which I did. I read the code back to the male representative upon completion of the process. The phone number XXXX is what LOWES used in this process. 

They went a step further and scanned my face with artificial intelligence without any disclosure or consent on my credit contract to such acts. The purchase was still denied and my account was closed. It appears to be an act of XXXX profiling because the two-step authentification process was sufficient to validate my identity. 

I am further concerned about what are they doing with my facial profile with third parties or selling my facial profile. 

Please investigate accordingly.
Product: Checking or savings account

I have recently heard about the over draft fee lawsuit against navy federal and I can guarantee I have been a victim of this problem. I have had my account since 2020 and they have charged me numerous of times for an overdraft fees which I always questioned why it wasnt the exact overcharge and always excessive. Recently I actually had a very upsetting phone call with them about the same problem I used XXXX through there banking to send money and they took the {$50.00} I sent and over-drafted me for money they took when I called to complain they blamed XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wayfair XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account as of XX/XX/XXXX Company named above claims I have a unpaid balance charge off. Allegedly claiming that I owe {$900.00}. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$900.00} dollars in XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 
7. Wayfair must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number. 

8. FURTHERMORE, XXXX   has revealed the exact scope of the massive breach that exposed sensitive data about millions of Americans including confirmation that thousands of passports and driver 's licenses were compromised along with the Social Security numbers of nearly all of the more than XXXX XXXX affected consumers. Thus, Wafair, may have inaccurate information and have fraudulent information regarding this account accusing me of owing monies I do not owe. XX/XX/XXXX was the security breach date.
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 redress for these violations.