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

The coinlist site blocked my account without any explanation. there was a certain amount of money on the account, which is already several times less for the day because of the exchange rate. also because of this blocking, my XXXX coins burned out without the right to recover. every time I wrote to support of this site, the robot answered me that my account is checking. I've been blocked there for 6 months since XXXX. I don't need this account as I have lost all trust in Coinlist.co, but I want at least my remaining money
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been making inquiries on my credit report and now there are 2 unauthorized hard inquiries on my credit report that I need removed. They are causing a lot of stress in my life and to my family as it if affecting my credit. One of the inquiries I was not even living in the country  at the time. 

Inquiry XXXX : XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Inquiry 2 : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

I am not disputing the amount of money i owe. Three ( 3 ) times i have set up a payment plan on their website. Each time they never took the funds. I am writing this complaint to get them to stop calling my grandmother who is hard of hearing and gets very agitated when being spoke to rudely on the phone. I have already asked them once to stop calling my grandmother, but they continue to do so. I just ask that they deal with me and stop harassing my XXXX old grandmother.
Product: Debt collection

I was contacted stating that I owed {$880.00} by Merchants credit guide for a medical bill and this is inaccurate because I have health insurance and my copay for an ER visit at the time were {$200.00}. I have had at least 3 collections for the same Hospital and I've paid them down and never received anything stating that I owed {$880.00}. Now this has been added to my credit, lowering my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Name
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a payment to a friend using the cashapp system in the amount of {$3000.00}. Minutes later, we decided to use a check instead, so, my friend refunded the {$3000.00} back to me using the same app. The app shows the refund was processed and returned to my bank card instead of the cashapp e-wallet. The problem is the funds were never credited to my bank card account either. On XX/XX/XXXX, I initiated my first support request with cashapp. XXXX with Cashapp support responded XX/XX/XXXX by email, asking me to dispute it with my bank. On XX/XX/XXXX cashapp closed my case due to lack of communication. So, on XX/XX/XXXX I contacted my bank ( XXXX XXXX XXXX ) to initiate a dispute through them. My bank opened a dispute but quickly closed it without further investigation or resolution because the source was cashapp. My bank refused to process a dispute through visa and told me to process my dispute through cashapp. XX/XX/XXXX I reinitiated my dispute with cashapp and began including my bank in the emails so that both cashapp and my bank could see that neither are taking steps to resolve my missing funds. Rather both cashapp and XXXX XXXX XXXX keep pointing the finger at each other and telling me to resolve this with the other entity. 

From that point on, XXXX XXXX XXXX assigned me one point of contact, XXXX. She has at least attempted to resolve this but her hands are tied because of XXXX XXXX XXXX policies involving disputes with internet transfers using e-wallet services. My complaint with XXXX XXXX XXXX has to do with their policy to take no action to dispute if an e-wallet service is involved. This policy needs to be looked at and corrected. A dispute should be initiated with VISA no matter what if a consumer is complaining. 

Cashapp on the other hand has grossly mishandled my dispute requests. No single point of contact has been assigned. I've had 5 different contacts with cashapp. XXXX, XXXX, XXXX, XXXX and XXXX. Each one sends one form letter email that repeats the same information of how they're taking over for the previous representative. They've reviewed my request, confirmed with Visa that my funds were returned and that I should dispute with my bank. Each time I respond back telling them my bank representative has been added to the email and I tell them my bank can not move further with their dispute. I ask for the visa proof each representative has cited. However, instead of providing the proof or escalating further, I then get another form reply email from a new cashapp representative that says the same thing the last representative wrote. It's like cashapp has hired robots that can't think or communicate. The only thing they can do is send the same email over and over and over and over and over again. 
Meanwhile my money is still in limbo. Neither cashapp nor XXXX XXXX XXXX is able refund it. 
Please help. I've copied this in order to make 2 identical complaints. One for Cashapp and one for XXXX XXXX XXXX. If you're reading this. Please process it under the appropriate company I've filed the complaint against.
Product: Credit card or prepaid card

Citi wrote a letter dated XX/XX/XXXX. In the letter Citi stated " We ask that you contact us at XXXX to have your account reviewed. Our representative will assist in determining if there are available programs that suit your needs. '' I have contacted Citi on XX/XX/XXXX and after waiting on hold for about five minutes while the agent supposedly searched for what programs where available the agent came back and told me there were no programs available for me at this time and that I can call back after the end of the billing cycle which is around XX/XX/XXXX and have the account reviewed again. I called again on XX/XX/XXXX and was immediately to that there were no programs available to me at this time. I have contacted Citi twice now to resolve this however Citi is unwilling to negotiate any type of settlement or honor any one of my request such as removing this account from my credit report with the credit bureaus and still expects me continue making payments and charging me 26.99 % interest on an account that I can no longer use. 
In regards to the credit reporting and removing this account from my credit report with the credit bureaus Citi claims " Please be advised that under applicable laws, creditors are obligated to retain identifying and credit information in connection with a credit card account for a certain period of time. Therefore, although your account is closed to additional purchases, we are unable to delete your account records as you have requested. '' Credit reporting is not mandatory. Citi 's own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' Citi should be more specific and site specific laws it is referring to. Citi is not mandated, required, or obligated by law or its own customer agreement to report the account to a credit bureau so asking Citi to delete or remove the account that Citi closed on it own and without my permission or request and that I can no longer use is not an unreasonable request.
Product: Money transfer, virtual currency, or money service

Fraudulent Wire Transfer Request for Investigation and Refund Amount Lost : {$9000.00} ( Partial Refund Received : {$360.00}, Remaining Amount Owed : {$8600.00} ) Complaint Details : I am filing a formal complaint against East West Bank regarding a fraudulent wire transfer that I made to a scammers account held at their bank. I wired {$9000.00} to what I believed was a legitimate account. However, I later discovered that the recipient was part of a fraud scheme, and the FBI has since arrested the scammers, confirming that this was a criminal operation. 

Despite this, East West Bank has refused to take responsibility for the fraudulent activity that took place within their banking system. Under federal banking regulations, financial institutions are required to monitor and report suspicious transactions under the Bank Secrecy Act ( BSA ) and Anti-Money Laundering ( AML ) regulations. If East West Bank failed to properly investigate and monitor this fraudulent account, they may have been negligent in their compliance obligations. 

Additionally, banks often have fraud protection and insurance policies to cover losses from scams like this. I believe East West Bank should take responsibility and file an insurance claim to reimburse me for my loss.
Product: Credit card or prepaid card

A Mattress Firm employee ( store location : XXXX XXXX XXXX XXXX, XXXX, KY XXXX ) on XX/XX/2020 asked if I was interested in applying for store financing to see what I could qualify for. I asked if this inquiry would be a soft or a hard credit pull. The associated replied that it was just a soft pull. She then asked that I write down my social security number and provide my license so she could confirm my name. I asked her to confirm why this information was needed. She said it was just to check eligibility for store finance options. She said I was approved for {$9400.00} in financing if I decided to purchase through them. 

At no point did I sign any document and there was no mention of a credit card application. I also did not end up purchasing products from this store so there was no need to even open this line of credit. This process was explained to me as a soft pull to check eligibility. 

On XX/XX/2020 I received a new credit card from Synchrony with a credit limit of {$9400.00} opened through Mattress Firm. I spoke with the store manager that same day and told him the issue. He apologized and said I was indeed misled by the store employee and stated corrective action in the way of re-training would be conducted. No further solutions were offered and when I told him this mistake has the potential to negatively affect my credit score he could only commiserate and offer platitudes. 

Additionally, my name is not correct on the card account so I'm not even sure how valid this line of credit is. My first name is spelled incorrectly and my last name is not present at all ( my middle name is present as my last name ). I don't understand how my identify was verified for a hard credit pull with bad information. I don't understand how this credit card was opened without properly informing me of what the employee was doing where the employee actively misled me about the process and did not obtain written consent.
Product: Credit reporting or other personal consumer reports

I opened my account with Citi Bank in XX/XX/XXXX and maintained on-time payments throughout the accounts history. Despite being in good standing, my account was randomly closed in XX/XX/XXXX without any explanation. 

In XX/XX/XXXX, I contacted Citi Bank to seek clarification on why my account was closed. I was transferred four times, and no representative could provide a reason for the closure. One associate stated they would submit a dispute on my behalf, but I never received any notification or verification that a dispute was actually filed. 

Under 15 U.S. Code 1666b, a creditor may not treat a payment as late if it was received within the required time frame. Additionally, 15 U.S. Code 1681s-2 ( a ) requires furnishers of credit information to report accurate and complete data to credit bureaus. Citi Banks failure to provide an explanation, its mishandling of my dispute request, and any negative impact on my credit report violate these consumer protection laws.
Product: Checking or savings account

My sister passed away in XX/XX/XXXX without a will. I went to XXXX  ( I live in XXXX  XXXX and gathered all of her documents ( I had a POA ) and went to the local Chase bank to inquire about some discrepancies on her account. They were extremely rude and told me to report any suspicious activity to the local police, which I did. Long story short, I finally got that resolved after months of making calls and basically being given the run around. I then decided to close her accounts but was told I needed an attorney to do so. I hired a XXXX  attorney who got me the necessary authorization which I took to the bank, along with her death certificate, but was told I needed to wait 5 months to closed her account in case Social Security had overpaid me. That XXXX months would have been in XX/XX/XXXX. I started contacting Chase in XXXX, who never returned my calls, the local branches were closed, and after numerous attempts, was put in touch with the decedent department. I was told I needed to send a letter requesting that the account be closed, which I did the same day. Allowing them time, I called back 30 days later and was told the letter was never received, that I needed to resend it. I asked to speak to a supervisor, who, after much delay, admitted they did have the letter, but needed more time to process it. Fast forward another 30 days, I called back and was told that I needed to send a copy of the death certificate and court documents. I asked why I wasn't told this the first five times I spoke with them, and they couldn't give me a straight answer. I then told them that the paperwork they required was given to Chase and I personally watched them scan it in at a local branch. Again, no record. Next call - same scenario - but this time told them how I had been treated and advised them I was making a complain against them. Suddenly, the paperwork was found and they advised they would expedite the processing. This was a week ago, No calls, no emails, nothing. I have never had such a frustrating experience with a bank, especially dealing with people who showed such disrespect and lack of compassion. It has now been over a year and half since I lost my sister, and I am still dealing with these clowns. I can not describe the grief they have caused me - this is just the latest. I could write a book about the discrepancies in charges and what I had to go through to get that resolved.
Product: Debt collection

I comsumer XXXX, XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX Bank in are around 2015. I used my credit card as defined under 15 USC 1602 ( l ). I've never conducted any business with this company PORTFOLIO RECOVERY. They have violated numerous consumer rights. I've sent them a consumer enforcement settlement order do to those violations, but haven't heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 days.I have not yet gotten a response. They failed to provide me with supporting document as proof. The FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.
Product: Credit card

When on XXXX XXXX I repeatedly tried to submit an online dispute on Citi 's Searscard website, it kept deleting the information XXXX TIMES. The seventh time it SEEMINGLY accepted my complaint. But, SearsCard has not recorded the complaint on my account, nor responded to me. Again, earlier today, I tried to resubmit my dispute, but XXXX times the bank 's website deleted my information. On the fifth try, it SEEMINGLY accepted it. But, still nothing shows up on my account. nor has the Bank acknowledged my dispute. I suspect that Cit SearsCard intentionally sets its software to reject disputes for a certain percentage of accounts. My dispute is " '' Missing XXXX items ( coffee mugs ) listed in the description ... .Basket has sharp edges.The merchant admitted that the shipment did not include the missing items. The merchant blames the mistake on its supplier in XXXX. The merchant keeps lying over each of the past four days, saying that a new shipment was sent, then saying that it was not sent, then saying that the XXXX supplier would contact me, then telling me to contact the XXXX supplier - I have no idea who the hell is the merchant 's supplier. The merchant promised to issue a full refund. Now, it wont. This is big FRAUD by SEARS. ". But, being blocked and or ignored by the bank, my dispute is not handled by the Bank. This is against the public interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be serious error and or illegal reporting that TransUnion is being apart of for the 5 accounts listed under Dept of Ed/XXXX . TransUnion has failed to reply to orginal Certified letter dated XX/XX/21 regarding inaccuracy in their reporting of the 5 previous mentioned accounts that have been paid in full and closed. I have also sent a follow up Certified letter dated XX/XX/XXXX Not only have they violated federal law by not responding in the specified time, but they also failed to provide me with any viable evidence showing the account is being reported accurately. Please understand I am making a final goodwill attempt to have this matter cleared up. The said accounts need to be deleted immediately from my file. My next complaint will filed with the Attorney General 's office
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a 30-Day Late fee on my account, but payment was made on time. I receive ( 2 ) Statements from the same loan, but different payment addresses every month. I would make a payment to XXXX, and the payment would be redirected to Chase. XXXX XXXX XXXX XXXX, I have sent in ( 4 ) Letters requesting to look at the 30 days late and verify the documentation from XXXX XXXX, which shows I was not late on any payment. No receipt was received or acknowledged. I hired XXXX and XXXX and a letter was sent on my behalf to the Credit Bureaus and Lender. I received a letter back from Chase, stating I could NOT use an attorney to represent me but had to write myself, which I had done in ( 4 ) letters. I contacted XXXX # XXXX and XXXX XXXX who also failed to acknowledge the problem and even review the documents. Chase has refused to allow me to counsel in this matter. Per XXXX has assigned the case to the Special Collections Department, which has been done on ( 3 ) separate incidents. XXXX can be contacted at XXXX Per XXXX, another review is 48-72 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Reference # XXXX, XXXX XXXX  XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

They did not tell me that my interest rate was going to be {$200.00} I didn't even know that that could be legal then charging so much money and it's like I pay and I pay and I pay and nothing ever comes off the the principal they're just taking money they're just stealing money from people like me and did I need it alone to get caught up with my bills and then to renew my contract my boyfriend would go in to give my money because I was sick with the XXXX  and she made him sign my contract and that wasn't even me he did it twice she told him that she needed it signed so he needed to sign it and last month l we're trying to make the payment and she said that I had to do it online so I try to make the payment online and the payment would not go through because it was telling me that my number was not good so until the next day we went up there they try to make us pay {$50.00} that we had to pay those {$50.00} late fee plus the 200.60 % of the payment it's still bad enough they're charging us that finance charge and it's so hard to pay and they don't understand they're not taking nothing out the principal it's been like this for months now and I would just like to see something done because I mean I don't have the money to be taken out you know and just paying them and paying them and nothing 's going off the principal nothing. In the company is TitleMax
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX closed my account in the amount of {$740.00}. They sent this information to the credit bureaus as a " Charge Off ''. Since then, they have not sent me a 1099-C form for a Cancellation of Debt for this item. I am requesting this be taken care off and delete this item from my credit report ASAP.