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

I've been locked out of my unemployment funds that are paid through US Bank Reliacard. A month ago, they said there was fraudulent activity on my card. So, they issued me a new card.

The 1st problem, in a very long list, is two of the cards would not activate, so I had to wait for a third card. It usually takes 5-7 business  days for the card to arrive. XX/XX/XXXX the 3rd card arrived and I activated it. It was active for one day, and then declined at the grocery store.

After a week of numerous phone calls and waiting on hold for 4-5 hours at a time, I was informed there had been a freeze put on my card because they were auditing my account. I was told I needed to fax in a copy of my driver 's license, rental agreement, and SSN card, and it would take 3 days. I faxed these documents on the XXXX of XXXX, and called 3 days later. 
The first customer service rep I spoke with said it could take up to 120 days for them to do the audit. I insisted on speaking to a manager and was hung up on. I called back, pretended I didn't hear the 120-day thing, nor did I ask. I was told they could not find my documents and that I just needed to keep checking back. 
On XX/XX/XXXX I would not accept their response of call back, and I demanded something be done. They asked me if when I faxed my documents, I increased the photocopy size on driver 's license by 200 %, because if I hadn't my fax papers were tossed. 
So, on Friday XX/XX/XXXX, I went back to the UPS store to fax the documents with the NEW instructions only to have the XXXX store try 12 times to fax my documents and the fax would not go through.  XXXX said the machine is responding like it's off the hook or unplugged on Reliacards end.

I came home called Reliacard and was literally told hmm, that doesn't sound right, but maybe try back on Monday. 
As of today, XX/XX/XXXX I have not been able to send the fax with my documents. That means my account is sitting there locked and I have no way to correct this. 
I feel like I am on the verge of a XXXX  XXXX, and US Bank couldn't care less. I have almost {$3000.00} on my card that I can not access because EVERY TIME I get the run around and new hoops to jump through. 
My utilities and rent are late, and there are late fees adding up. The burden upon me is great as I am raising my grandchildren. I have NO groceries, or gas in my car to get them to school. We set out walking an hour before school starts as it is over a mile away. I had to borrow money from a neighbor just to send the fax. I am desperate for someone to guide me on how to resolve this and be granted access to the unemployment I am entitled to.
Product: Credit reporting or other personal consumer reports

Reprise Financial XXXX XXXX XXXX XXXX, TX XXXX RE : Inaccurate Reporting on Credit Reports ( Account No. [ Account XXXX ] ) Dear Reprise Financial, I am writing to dispute inaccurate information you have reported to the credit bureaus regarding the above account. Despite my payment of [ state amount and date ], you continue to report an incorrect balance and/or collection status, which violates the Fair Credit Reporting Act ( FCRA ). 

Specifically, under : - 15 U.S. Code 1681e ( b ) : The information reported must be accurate.

- 15 U.S. Code 1681s-2 ( a ) : You are required to update account statuses accurately.

I request you investigate this matter and provide documentation verifying the current balance and payment status. Additionally, please update the credit bureaus to reflect the accurate information or delete the account entirely if verification can not be provided.

Failure to comply with federal laws may result in further action.
Product: Debt collection

Cancellation of Debt Form XXXX for {$30000.00} was sent to IRS for XXXX. The property involved was discharged in XXXX. I have enclosed copies of my Chapter XXXX Bankruptcy.
Product: Money transfer, virtual currency, or money service

I purchased 4 money orders from Western Union XX/XX/XXXX at a XXXX grocery store in Oregon. I then mailed these 4 money orders to the IRS for payment on my 2018 taxes. All 4 of these money orders were rejected by IRS with a 2287 tax form " refer to Maker ''. The money orders were rejected for non sufficient funds I was told when I contacted the IRS. I then called Western Union and was told that I would need to fill out a money order customer request and they would see if they needed to reissue new money orders. In the mean time I have penalties with the IRS for the NSF money orders that Western Union will not pay.
Product: Credit card or prepaid card

I submitted a statement the amount is {$290.00} for the transaction. I called XXXX  to dispute the fee and let them know there were supposed to be no charges and the item should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person a human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. They have violated my rights numberous times. I demand the inquiries listed below be removed because according to 15 USC I have the right to privacy and I did not give Equifax written permission to furnish these inquiries nor do I recognize any of these. 

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

Companies involved : Wells Fargo and XXXX XXXX XXXX of North Carolina I signed a contract to have gutter protection installed on my home on XX/XX/XXXX. There was 0 % interest available for 2-3 years. It was through Wells Fargo. After giving it more thought I decided to cancel the contract within my 3 day grace period which I did by calling on XX/XX/XXXX and speaking with XXXX. I followed up the call with a letter. 
I received a CREDIT CARD in the mail for {$5500.00} more than I thought I was financing. No one ever mentioned a credit card. I called WF on XX/XX/XXXX talking with XXXX. She said she would cancel the card. I followed it up by calling again on XX/XX/XXXX. XXXX advised me that the account had been closed but she would file a dispute to show I had never opened it. I filed a dispute in my own interests with XXXX on XX/XX/XXXX stating that this account should never had been opened and that it was issued for {$5500.00} more than even requested. 
Yesterday, XX/XX/XXXX, I got an email from XXXX XXXX to let me know that there was a closed account and comments they thought I should check. So I called XXXX speaking with XXXX. He told that the drop of XXXX point in my credit score was a result of comments by WF that I had filed a dispute against them and closed the account. He said this would continue to effect my scores as it would be reported to anyone requesting info on me. He also said that he would remove the comments for me and the dispute I had filed would not be done until 20 days.
Product: Vehicle loan or lease

Vehicle lease with Ally Bank ended on XX/XX/XXXX. I wanted to finance the buy out of {$41000.00} through my bank. Ally refused to accept a third party check for the buy out. Ally stated it must be my funds with my name on the check or I must use them ( Ally ) to finance the vehicle buy out. After I finance through them for the buy out, I could then refinance through my own bank. Allys interest rate is 10 % and my bank is 7.2 %. Ally is forcing consumers to buy out through them or to use your own personal funds to buy out. If I were to finance through Ally then refi through my own bank for the lower interest rate, this creates more fees and two credit report inquiries. I ended up using my own savings for the XXXX buy out and once I receive title, I will finance the vehicle through my own bank to pay back my savings account. Ally is creating an obstacle for consumers forcing their financing at a higher interest rate to pay off a leased vehicle. I am now sitting at 23 days and still waiting for my title and they claim they are backed up and will send it when they get to my file.
Product: Credit card or prepaid card

My complaint is with Synchrony Bank. In the Fall of last year, we contracted with XXXX XXXX XXXX of XXXX XXXX, NY to install a new hardwood floor in our home. They offered 12 month same as cash financing through Synchrony Bank. The floor was installed on XX/XX/XXXX, but we noticed several problems afterwards. The floor was scratched by the installers when they moved the refrigerator. In addition, one of the boards developed a separation in plywood layers, causing the board to protrude and create a trip hazard. In addition, another board contained a large visible crack in it approximately 12 inches long. We immediately notified XXXX XXXX XXXX about the problems and they did not seem in any hurry to respond. It took several attempts to get any type of response from them. 
We then sent a letter of dispute to Synchrony Bank advising that we would be withholding payments until the problems were resolved. Synchrony initially responded and acknowledged our letter, but it appears that they never charged the amount back to XXXX XXXX XXXX. It has been 7 months now and XXXX XXXX XXXX still has not fixed the issues, and Synchrony Bank has notified us that they feel that XXXX XXXX XXXX has made a good faith effort to revolve the problems. We received a letter from them dated XX/XX/19 advising that they consider the dispute closed, and the amount is now subject to interest charges. In addition, I received a statement from them showing a payment in the amount of {$190.00} is due on XX/XX/19. We sent another letter to Synchrony on XX/XX/19, continuing to dispute the amount, but they have not responded or acknowledged our letter. 
Please help us to resolve
Product: Student loan

In 2009 I lost my job and was unable to make the payments on my private student loan which caused them to go into default. I am now currently employed and want to rehab my credit. These private loans are hurting my future plans. I contacted the servicer Navient which is the new servicer on my loans and they will not help with any repayment options on my defaulted loans. I want to know how can I get back in goodstanding and show that I want to get these loans out of default.
Product: Student loan

XXXX XXXX XXXX CA. 
I believe I have a Genesis loans from XXXX colleges and would like to know if I was included in the CFPB settlement. 
My Story below!! 
I have a loan with Genesis XXXX. My loan was part of the closing of XXXX college. 
I was one of the many student 's with XXXX college of XXXX Ca when they closed their doors and filed bankruptcy. 
Leaving all of us stranded with with no where to go. I was taking classes XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing Genesis Lending money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out XXXX. 
We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on XXXX my accounts along with my mom who is the co borrow. Thank You
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amount with XXXX $ limit Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card

This complaint goes with the previous complaint I filed with you. This all started in XX/XX/2022. My identity was stolen and my Chase account was hacked and ran the account up over {$6000.00} in charges.They even made fake payments on the account to continue with fraudulent charges which this made the account over drawn from the balance on the card. I have been working with a consumer lawyer to help with this. They have had this account removed from my credit report. Then this week I received another letter from Chase as the account is valid and I am responsible for the {$6000.00}. I am no paying for charges that are not mine. Chase has been awful towards me and has done nothing to help me and I was a loyal card holder with them. They never called me back, I sent in the police report and other documents. They answers were we are still reviewing this and its so annoying and frustrating the way they have treated me.
Product: Debt collection

This company is violating my rights they have not provided validation information Under CFR 1006.34 ( b ) ( 5 ) they have recently placed a collection on my Consumer reports.. 
I have made attempts to fix this issue with HARRIS & HARRIS LTD. HARRIS & HARRIS continues to violate my rights I am entitled to a {$1000.00} for every violation listed, they either pay the violations or delete these accounts from my credit profiles ASAP!!!!
Product: Checking or savings account

On XX/XX/2020 a claim was done in the bank by a teller for {$1900.00} from XXXX  XXXX XXXX  which they disputed transactions from a hotel that had a lot of billing errors from two  of my checking accounts {$530.00} with capital one bank. The Dispute department canceled the claim the first time and did not issue all funds due for my accounts as well as they did not handle the dispute in the proper manner as charge back and did not get information from the merchant treating me very unfairly as by law and a loyal customer. When going back to the bank they then reopened the claim of {$1500.00} and XXXX . They then again did the same and canceled the claim as of last week before it was even properly looked into and have my accounts in the negative due to there incorrect handlings by law as I have consumer rights and now threatening to close out my accounts that I've had for years that they have a lot of errors in to cover up there wrongdoings. I ask that these matters please be looked into ASAP for this has created a greater financial burden on me as well as my XXXX year old child in the middle of a crisis as this pandemic and we are in need of help. Please see that these matters are corrected as you can pull all recordings from the dispute departments recordings. To many discrepancies
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 XXXX times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  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 XXXX i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I can not open checking accounts, says that I am in the XXXX XXXX XXXX XXXX XXXX XXXX. I do not own multiple bank accounts, I have frozen my credit and yet I'm told I am in the XXXXXXXX XXXX XXXX XXXX. I have asked for proof, and I even disputed this with the credit bureau 's ( XXXX, XXXX, etc ) and the information just remains as valid when it is not
Product: Mortgage

I want to start off in saying I have had nothing but issues with this company since my loan was bought out by them. On XX/XX/22 I called Mr Cooper and advised them that the escrow statement I received from them was incorrect. There was no way I was over {$1100.00} in the negative when I had been making my payments on time every other week. The representative looked at the account and stated she had seen where 2 payments were taken out of my escrow account and paid to XXXX XXXX. I asked why that was because I only had 1 policy with them for {$740.00}. He stated she would have to transfer me to a different department but it " should be easily fixed ''. After a very lengthy hold I got another representative on the phone that looked again at my account and stated she saw a fax attached to my account requesting {$1300.00}. I asked if my name or account # was on the fax and she said no, the account # is different. I said then it needs to be fixed on your end. She asked if I would call XXXX and 3rd party her in so she could see where the money went. I advised her that I was not going to do that because I already talked to them and they told me they only received the {$740.00} on my account. They had no idea where the {$1300.00} amount was. She said her system would not allow her to call them. I advised her it was their responsibility to fix the problem. She said there was nothing she could do. At that point I requested a manager. I was placed on hold for approx 25 mins because " no supervisor was available. '' When the team lead from the Insurance Processing Dept ( XXXX ) got on the phone, I explained the entire situation to her and she placed me on hold to check the account yet again. She got back on the phone and advised that she saw the issue but it would need to be reviewed before anything was fixed and that would take 5 business days. I asked why it would take that long to fix their mistake. She stated that was just the process. I told her they really need to rethink their customer service as it is very poor. I took her name and # and told her I would be calling if it wasnt fixed by Monday XX/XX/XXXX. She told me she would call me once it was fixed. I called again on Friday and was told by another representative that the adjustment would take 7-14 days. It is now the 5th business day and my loan is not fixed. I just had my bi-weekly payment get pulled that was supposed to be for {$330.00} and was pulled for {$350.00} and it is higher than my normal payment because of this screw up. I have been more than patient about this. I have gotten a different answer every time I call and at this point feel that I am just being told whatever to get me off the phone. I called again on Monday XX/XX/XXXX and got told it would be 3 more business days.
Product: Checking or savings account

I have several unauthorized charges on my account and filed a dispute. Chime bank denied it yet fail to give me evidence as to how and why they arrive at the denial decision. I thought my money was safe banking with chime but apparently not. 
I did not make the disputed transactions and yet I am force to accept it and lose the funds.
Product: Credit card or prepaid card

In XX/XX/XXXX contacted Wells Fargo to setup payment plan arrangements with them for my current ( not past due ) closed XXXX  XXXX card that was closed in XX/XX/XXXX while I was having technical and other issues and was locked out of my account. 
A week later my oldest XXXX  credit card was closed because I made payment arrangements with these people, which makes absolutely no sense. That account was also current and not past due. 
This will reduce my overall available credit and adversely affect my credit score and I absolutely did nothing to deserve this outcome! I was being a responsible and diligent customer and they close another account. HOW XXXX  IS THAT!?

Even more atrocious is the fact that they didn't even put the outstanding balance of the newly closed credit card account on a payment plan since it was closed due to the payment plan arrangements I made for the other card. This is some of the most backward and almost malicious thinking and practices that I have ever heard of! 
WHY WOULD THEY DO THAT!?!? 

They are refusing to open the account citing the false excuse that it was not closed due to bank error when it absolutely was because they didn't state what the logic of doing so was and both accounts were in current and good standing. This was absolutely a bank error! 

XXXX  card XXXX Unrelated illogically closed card XXXX
Product: Mortgage

We are trying to refinance and Dovenmuehle has been uncooperative. They refuse to provide proof of your payment history and even lied that we were never in forbearance. I have attached supporting documentation and our records show we paid in full and reinstatement should be issued. However we were never in forbearance as described in the letter. 
This is a high Point interest rate and that they are trying to block our refinance. 

I have requested multiple times a payment history of up to 24 months as required by our under writer. They refuse to fax over the correct information and provide the information in a timely manner. We need to close on this refinance today and their inability to cooperate is costing and denying us financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX