23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In the XXXX XXXX  I was looking to get XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Arizona to inquire about this treatment. They told me to get the XXXX XXXX I had to do a XXXX  consultation on XXXX. They gave me the phone number. I called and there was a lady on the call that told me to get a consultation I needed to fill out forms. I filled out the forms ( which I don't remember ), they asked me questions about my address and at that time she told me I needed to fill out my social security. The only thing I remember is that the lady next said I was approved to get XXXX XXXX 
I went in to go get my XXXX XXXX  ( to the facility at XXXX XXXX ) and I said do I pay here? They told me no, you pay through Alley through a link. 
From there I didn't understand how and what was happening. I got a link and it told me I needed to pay monthly instead of for every service I was receiving which is what I told them I wanted. After learning more about it and doing research I realized they signed me up for a monthly service payment plan. I couldn't even go in for monthly services because the treatment I was getting was only able to be done every 6 weeks. So I was asked to pay for something I was not receiving. I don't have a job or a reliable source of income and they signed me up to make payments for a plan of over {$4000.00}. I never agreed or would have agreed to sign up for something so egregious. The lady was very pushy on the phone saying that if I did not agree to this today I could not go in for a treatment in the next week. I don't even know what I agreed to until I got a bill saying I was in a contract. 

I called about 5 months later after talking to my parents and only receiving 2 treatments. They told me to call and cancel the service and when I called they told me that XXXXXXXX XXXX they told me I needed call Alley because they go through a separate company. When I called Alley they told me no I could not cancel. They said they would stop charging me interest ( which I had no idea about ). I have struggled to come up with the money to pay this {$2300.00} off. I call them and they ( Alley Lending ) are constantly charging me late fees after 1 year later they are not telling me accurate information. I know their calls are recorded and after my last payment in XXXX of XXXX- where my mom called and paid it off, I told them " this is my last payment please confirm that '', which the representative did. Then in XXXX they sent me another letter with another payment due of {$130.00}. 

One time I went in for a treatment and they said I filed a dispute and they couldn't give me a treatment until I removed the dispute. I called to ask them to cancel whatever they signed me up for and to allow me to get services for what I had paid for. 

This is a company that took advantage of a ignorant XXXX XXXX  who had no job and source of income. They signed me up for something I could not agreed to pay for and did so in a secretive way. They did not tell me I would have to make payments monthly for services I never received. I wanted to pay for services I received at the time I received them.
Product: Checking or savings account

Received email from Citi informing me debit card had been removed from XXXX XXXX, requested I call if I had not initiated transaction. Called number on email, no information provided after several minutes, provided another number ( incorrect ). Reached out to their fraud department ( was transferred twice ), and after nearly 60 minutes on the phone no one could provide any details. Still dont know if my card was compromised and clearly neither do they. Potential fraud on my card, no answer and no information provided. Service below par is an understatement. Had to block my card as Im unsure of what is compromised at this point, generating multiple payment issues with automatic payment set-ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for experian to remove all accounts on behalf and also {$1000.00} for each violation on my credit report! I was denied a mortgage due to late payments being published on my behalf and also the inaccuracies on my credit report! XXXX is furnishing late payments and also accounts that are fradulent! I did not give written consent by law it is illegal! Also XXXX is a debt collector that has no factual info of me opening this account! XXXX continues to violate my consumer rights! Also they have several addresses I asked for them to remove that they did not remove.
Product: Mortgage

On XXXX  closing date was set for XXXX XXXX XXXX XXXX XXXX we were informed that our Mortgage agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with The Huntington National Bank, failed to collect our VA inspection report. At last minute XXXX tried to get this report finalized. Due to her negligence we were unable to close, and XXXX was completely disorganized. Throughout the entire process XXXX changed numbers around to inaccurate amounts multiple times. We had to review all documents with a fine tooth comb because she kept adding additional hidden fees with every revision. The emotional and financial hardship this has put our family through is tremendous. We had no place to stay but inside of our moving truck. No home due to Huntingtons negligence, leading to our inability to close.
Product: Checking or savings account

My mother XXXX  in XX/XX/XXXX, leaving an IRA CD at Wells Fargo with 3 beneficiaries. It took Wells Fargo 9 months, many hours of phone calls and visits to the branch, and finally a complaint filed here for Wells Fargo to release the CDs to the beneficiaries. Wells Fargo split the CD into 2 CD accounts for each beneficiary. On XX/XX/XXXX, when I discovered that the CDs were transferred at an old interest rate with an maturity date of XXXX ( notice must have come to my mother while she was in the hospital, and since she didn't respond, Wells Fargo automatically renewed the CD at the old rate ), I called to see if I could get the CD combined back into one, and I was told that I could, that there would be no early withdrawal fee, and that the new interest rate would be XXXX  for a 7 month CD, with XXXX It would take 2-3 business days for me to see it online. It is now XX/XX/XXXX, and the CDs are still separated and at the original very low interest rate. After 1 hour and 11 minutes on the phone, I have been transferred to the 4th Wells Fargo agent, who can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is utterly ridiculous how Capital One takes advantage of consumers. There is no way a credit card company should be allowed to run hard inquires on a consumers report such as this. I have asked Capitol One to provide me proof I gave consent for these hard inquires to take place. They are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX and XXXX XXXX report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my authorization or a permissible purpose. 

1St Violation 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless. 
1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

2nd Consumer Violation under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

3rd Consumer Violation under15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect They must be stopped they are causing harm and damage to peoples livelihood and families. This is an unfair practice and abuse to a consumer report.
Product: Money transfer, virtual currency, or money service

I made my first purchase with coinbase on XX/XX/2020 for {$1000.00} and it took almost 2 months before it appeared in my wallet and I had to verify my identity about six times before it ever appeared in my wallet. So it took that long to get that one settled and now I had made a second purchase of {$1000.00} in coinbase on XX/XX/2020 and that one has yet to appear in my wallet or history or anywhere in my account. I have the bank statement that shows coinbase took the money from my account. I have emailed the complaint department several times with no results. I have verified my identity with them several times and it always comes back stating it will take up to 10 days for an answer and no results. I can't believe a company that works with millions of accounts can be so sloppy in their work. Can you help me? My email address is XXXX. 
Thank you for your time, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a tenant who paid rent via cashapp. He used cashapp in XX/XX/XXXXand cash app took the money. He again paid rent via cashapp in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX He has proof he paid, the problem is the money never was sent to me the landlord. He called a number for cashapp on line and the representative was most helpful in hacking into my bank accounts. When i contacted customer service at cash app, they only respond via email. I was told via email that my account was compromised, I needed to open a new account and the money would be transferred. That never happened. In fact cashapp wanted my bank account information and all corresponding passwords. I refused to share this information and was told the sender would receive a refund. That has not happened. 

I email cashapp weekly asking for assistance and my money and I don't get a response. 
I am talking about over {$4500.00} in missing cash.
Product: Debt collection

Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. 
A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. 
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. 
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your file disclosure ). 
You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : a person has taken adverse action against you because of information in your credit report ; you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistance ; you are unemployed but expect to apply for employment within 60 days. 
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. 
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumer report and all my personal information is wrong Correct Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion made a mistake on my credit report. They added a loan account from a company called XXXX XXXX XXXX XXXX. I have never opened a loan account with such a company. I disputed this account with Transunion multiple times. However, the result of their investigation was the following : TransUnion investigated your dispute, but the information was verified as accurate. Other information was also updated. 


There is 0 % chance that I had such a loan account because the account was opened on XX/XX/XXXX, and I had No SSN or any ability to have a loan or credit under my name then. This all started when I called Transunion trying to lift off the fraud alert I had put on my account in mid-XXXX XXXX. Transunion took all my information over the phone : name, date of birth, address, and XXXX. And they couldn't help me remove my fraud alert, so I kept it as it was. Two days later, I received a notification that there had been a change to your credit report. Once I opened my credit karma account to check, I noticed that my Transunion credit score dropped from XXXX to XXXX, an XXXX decrease. Moreover, I called them and explained that they made a mistake since it happened only when I contacted them. I then disputed the loan account put on my credit report. Now, I don't know how such a mistake could happen from a credit bureau. 

Additionally, I have been trying to contact XXXX XXXX XXXX XXXX, " the alleged lender, '' through mail, phone, and e-mail, but no one answered or got back to me. I believe that XXXX XXXX XXXX XXXX is a scam and should be investigated.
Product: Mortgage

Today I made a call to Carrington Mortgage. I spoke with XXXX. He spoke to me in a very harsh manner and told me that I qualified for only one month of forebearance, which I was never notified of, instead of the normal three months. Then he started to create a horrible scenario of evictions, foreclosures, and losing my home all within the same breath. How dare he create such a fearful situation for someone that he knows nothing about! Absolutely the WORST customer service! I believe my loan is a FHA loan and Im entitled to two extra three months of extensions of forebearance. This is a measure of assistance, not a situation of fear and control! Shame on you Carrington!
Product: Credit reporting or other personal consumer reports

Dear SANTANDER, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that SANTANDER has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for SANTANDER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SANTANDER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card or prepaid card

I submitted a claim for purchases not made by me to the company. The company never sent me a claim form for the claim. This year I received mail from the company, stated they will now help me with the claim. However they have not sent any information on the claims. I last spoke with them XX/XX/2021. This was with Bank of America.
Product: Checking or savings account

Starting roughly two weeks ago issued began with my credit karma spend account. Unauthorized access first, than card was cancelled and reissued to an address I have never so much as been affiliated with in California. Upon contacting the institution I was able to get the Mailing of the card shipped to my appropriate mailing address. Card arrived yesterday after a long wait, however about 20 minutes before the post office delivers the card the institution places locks on my account and provided me no explanation. I was asked to upload my identity card and a selfie with card to match faces and information, standard banking procedures I'm sure. Account remains locked and unable to use funds I've been waiting two weeks to access, contacted customer service several times, and get told nothing they can do, further told a " higher department " handles the sort of case, again no explanation as to what case type or any information on how to communicate with this higher department, other than told to continue waiting for them to email me. I asked well can't this be address over the phone for a faster solution and told this " higher department '' has no phone number and simply sorry for the inconveniences caused. First off the breach on my account falls to them for liability I told them to revoke any sort of authorization for some iphone they claimed had accessed my account when this all began. Just yesterday my personal XXXX was again changed However I activated the extra security so my device was able to get access and correct the unauthorized changes. 
Long and short of this is, credit karma is a multi functional financial entity, handling banking needs as well as credit monitoring and identity monitoring etc. At this time they are not protecting me in no sort of way as the breach yesterday occurred during this lock of my account, now I've provided the proof of my identity and have a right to my funds. Yet they are avoiding my efforts to get my access restored when they had no justification to lock me out in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with the following credit bureaus : Equifax, XXXX, XXXX  all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.
Product: Money transfer, virtual currency, or money service

XXXX  has frozen my account containing {$6300.00} in IRS refund funds without valid reason. I submitted my identification as requested, and they have now permanently closed my account, stating they will hold my money for up to 180 days with no explanation. This is an unlawful and fraudulent withholding of my legally owned funds, which were deposited as a government tax refund. 

I demand immediate access to my money. If this is not resolved, I will escalate this issue with my states Attorney General, the IRS Fraud Department, and financial regulators. This is an urgent matter, as I can not access my own money due to XXXX baseless account restriction.
Product: Vehicle loan or lease

XXXX XXXX is reporting a charge off on our credit when we returned the car at the end of our lease. We had the car new from the dealership and it had transmission problems. When we turned it in at the end they tried to charge us for those problems which they were to cover during the lease and the warranty.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my concern and dissatisfaction with the delayed opening of my account.

I understand that unforeseen circumstances may arise, causing delays in processing applications. However, the extended delay in opening my account has caused inconvenience and frustration on my part. I have been eagerly awaiting access to the services your institution provides, and this delay has adversely affected my financial planning.

Please expedite the process of opening my account and ensure its activation at the earliest convenience.

Improve communication regarding the status of my account opening. I request timely updates on the progress made and the expected timeline for completion.
Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the inconvenience experienced.

I believe in the importance of a strong customer-bank relationship and trust that your institution values customer satisfaction. I appreciate your immediate attention to this matter and a swift resolution. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXXXXXX Balance : {$960.00}.
Product: Money transfer, virtual currency, or money service

I had made 4 separate online transactions at {$20.00} each on XX/XX/year> using the balance in my CashApp account. The money was immediately deducted from my balance after every transaction. Over 24 hours later I get charged again for the same purchases and money was taken again from my account double charging me. I checked with the merchant and they did not double charge me so this is on CashApps end. CashApp support is zero help, and I have screenshots to prove that I was only charged once from merchant, but shows the money being taken out twice from CashApp.