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

Payment details : Auth. ID : XXXX Retrieval Reference Number : XXXX Originally reached out to company on the XXXX of XX/XX/2023 to report transaction as unauth/fradulent posted by XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX. I did not engage in business or facilitate a business transaction with that company on that particular day, full stop. This purchase hit my account though the prepaid, reloadable debit card they provided me. 

Received a LOT of pushback from Bank basically stating that since I've done a **miniscule** amount of business with XXXX XXXX in the past, and on that basis alone, that they couldn't start a review and advised me to reach out to merchant. 

I explained that I already reached out to merchant and that they told me to call the bank ( crypto.com ), that I did NOT authorize this transaction, and insisted they move forward with the request. So they reluctantly proceeded forward with the claim. 

Here 's my problem with the way they handle it. My debit card is immediately frozen as it should be, but they also effectively freeze the provisional credit ( ref. reg E ) disallowing any balance held in my " card account '' to be moved to any other account. They won't send me a new card because I will not send them selfies holding various signs/identifying documents to " update '' my address which hasn't changed. 

Here are some messages from them in response to me asking for them to just move the " card account '' money ( XXXX dollars consisting of their " provisional credit '' ) into my USD wallet so I can, you know, actually access the credit. 

" The process may take up to 45 calendar days from the time of your notice. I am sorry, but our team would need to finish their review so we can be able to proceed to transfer the funds afterward '' How, exactly, is this a " provisional '' credit when their policies prevent you from moving money, which is another way of spending it. I'm pretty sure there are reg violations here since we're way past the 10 mark. 
.
Product: Debt collection

i try to contact london & london about a debt that i had no knowledge and try to explain that i didn't know about this debt or even the judgment for this debt that i got the judgment back in XX/XX/XXXX XX/XX/XXXX i didn't know really and when i try to ask london & london to show proof of the original contract with my signature on it and more information about this debt not just a copy of the judgment note of XX/XX/XXXX i live in XXXX  ct for any court dates it should of been in XXXX  ct and im cleaning out my credit report for the first time and to me this debt that i had no idea looks old debt i would say 9 years and i want this to be remove from my credit reports or show big proof with my signature
Product: Debt collection

After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of XXXX XXXX in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The NY Supreme Court took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was X/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.
Product: Credit card or prepaid card

I charged XXXX on a purchase, it was done in 3 transactions. After making the transaction I paid the balance on my credit card. the merchant refunded my purchase as we did not go through with the purchase, this called a negative balance on my credit card. I have had to call Capital one more than once to try and get this money refunded to me. I called on the XXXX and had to call again on the XXXX to get them to refund my money. The " said '' they would refund my money but it would take almost 2 weeks to receive it back. They refuse to get it done any sooner as this was their mistake it was not done on the first phone call. 

this is the 2nd time in a year I have had issues with capital one getting credits on my account. 

I want my XXXX returned to me asap
Product: Credit card or prepaid card

I have e-mailed XXXX and have called XXXX about adjusting my APR under XXXX XXXX XXXX XXXX XXXX ( XXXX ). They have repeatedly told me each time Ive called that their computer system cant change the APR rate. Ive tried asking for a supervisor and each time they have told me their supervisor is not in today. Then Ive tried asking for any manager. The employee on the line proceeded to tell me to stop wasting their time and I can hang up. More recently XXXX XXXX I called asking to be transferred to the American office. The employee told me he cant and doesnt have a way to reach an American counterpart. 

When I tried to email them asking to talk to someone about SCRA, I received this response back : Thank you for reaching out regarding the Oportun Visa Credit Card. Your question is very important.If you have any questions about your application, please call XXXX, from XXXX XXXX - XXXX XXXX XXXXXXXX Mon - Fri or XXXX XXXX - XXXX XXXX XXXX Sat Sun.If you have any questions about your account, please call XXXX, from XXXX XXXX - XXXX XXXX XXXX Mon - Fri or XXXX XXXX  - XXXX XXXX  XXXX Sat Sun. 
You can visit Oportun.com/creditcards at any time to login and view recent transactions, statements, set-up account alerts, or to review your account information. 
Also you can visit our web chat Credit Card service in our website www.oportun.comSincerely, Oportun General CC SP. 

I tried calling the XXXX as another line and the employee said he couldnt find me and I needed to provide a credit card to verify my identity. I tried to give the Oportun account credit card but he said he couldnt use it and to stop wasting his time and I could hang up if I wasnt going to give him a valid credit card number.
Product: Vehicle loan or lease

Hello, My name is XXXX XXXX XXXX and I recently had to return a leased vehicle. 
The vehicle a Volkswagen CC R Line, had only 20 miles and gorgeous car. I was pushed to lease the car when I really wanted to buy a car. I was also told that the more money down the less monthly payment, so I paid XXXX out of my 401k right up front. In XXXX we received a letter about the XXXX airbag recall and that our vehicle was being recalled. 
On XXXX XXXX XXXX I returned the vehicle to XXXX XXXX in XXXX, KY. They were more than rude because we were not extending or buying the vehicle. I asked if we could have some kind of price reduction and review on the monthly payments since the vehicle had depreciated so much and I was forced to literally drive a ticking time bomb with a defective airbag for the whole term of the lease, even if the recall of the vehicle was not disclosed until later. I drove a vehicle that was not worth the price it sold for or leased for. 
VWCredit did not care to even waive the return fee of XXXX nor the property tax remaining of XXXX. 
There has to be some kind of refund on the original price.
Product: Credit reporting or other personal consumer reports

I am writing to refile my complaint to CAPITAL ONE regarding the unresolved fraudulent account still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report XXXX : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within XXXX  days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent accounts listed in my prior disputes, as they violate my rights under the FCRA. 
Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.
Product: Credit reporting or other personal consumer reports

This account is not mine. I opened no new accounts in this time frame as I was cleaning my credit up. It is feaud
Product: Credit reporting

I had XXXX XXXX account deleted last month and just two days ago it was re-added back to my account. I have disputed this account provided the correct paperwork and Equifax keeps adding accounts not mines or deleted accounts. 

I have also added my ID since they do n't have a copy of it.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After

reviewing my credit reports, I noticed some account that i am not familiar with. I have asked the credit reporting agencies for validation of dept, however the information has not been provided. Due to my information being exposed, i have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint,
a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of dept letter.
Product: Bank account or service

Capital One Bank has been charging {$35.00} NSF fees excessively even after we requested they deny payments. We have spoken numerous times with account managers and supervisors in trying to resolve the issue and stop these charges from occurring. Their business practice is unethical and they manipulate the transactions in order to allow the account to go negative and incur further charges through the month. The conversations I have had with account managers have led to many changes in the account, all to the benefit of the bank and further charges to the account. The total number of {$35.00} fees to date has been almost {$2000.00} as you can see in the statement and Capital One " account specialists '' continue to create an unfair advantage over our very small business causing further fees.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/year> : XXXX XXXX XXXXXX/XX/year> : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

I have called Mr Cooper a dozen times & can never get a representative on the phone. Each time I have to go through at least 10 minutes of unnecessary recorded messages before I can get to a menu option that is supposed to connect me to a representative. Their system supposedly transfers me to a wait queue then keeps me on hold another 5 minutes all the while telling me someone will answer shortly then it hangs up on me. My mortgage was with XXXX XXXX & it was not my choice to have my mortgage with this sham Mr cooper company & at this point I dont believe anyone works there. Please shut this scam company down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting derogatory on my credit report, for a XXXX  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Product: Debt collection

During the month of XXXX XXXX i purchased XXXX prepaid sim cads for XXXX telephone lines from XXXX. XXXX for me and other XXXX for my wife and XXXX daughters who was supposed to come to USA in XXXX XXXX. Since only my wife and XXXX daughter came Subsequently I spoke to XXXX and got XXXX line cancelled. Since i found the XXXX was very expensive in month of XXXX I spoke to XXXX and got other XXXX lines also cancelled .Their after in XXXX of XXXX XXXX i received the final bill from XXXX. Before I make the final payment of {$60.00} I contacted XXXX and inquire about the final bill ask is their any money that that I owe to XXXX the representative confirmed that {$60.00} is only amount due. I made this Inquired in the past too some years before I had same type of claim of claim from XXXX which I paid in vain.I paid the final bill by cheque and sent under certified mail.The final payment cheque has been realized from my bank a/c Their after later part of the year the XXXX credit reporting company inform me that my personal information provided to XXXX has been hacked. 
In XXXX XXXX XXXX i received a bill from XXXX for an {$240.00} as amount due to them. I immediately contacted XXXX and informd the hall story. The Representative confirm that its a hacking story story is true and its frodulant matter and she will forwrad case to the special comeete set up for and that they will contact me. Since they did not contacted me I contacted XXXX XXXX dyes XXXX XXXX and XXXX/XXXX/XXXX both days they informed me that they will contact me but they never. 
XXXX/XXXX/XXXX I received a letter from collecting XXXX named south west credit demanding me to pay & XXXX.I contacted XXXX again on XXXX/XXXX/XXXX they said that they need to open my a/c wanted my pin no. Which i could not remember, They said they will send me a temporary pin still I have not received yet. The collecting ajancey contacted me several times and demanding the payments.
Product: Bank account or service

We are business and private customer at Bank of America since 2008 in good standing. About a month ago we have received a phone call and were requested to provide personal sensitive information like our social security numbers, etc. over the phone in order to update our customer profile. We denied to give out this information by phone but called Bank of America immediately to take care of this update. Our information had not changed, but we received the information by phone that the update was taken care off. On XX/XX/XXXX we received 5 different letters from Bank of Amerika : XXXX of our credit cards had been closed, XXXX of our checking/saving account would be restricted due to missing personal information. We called Bank of America again, provided more information, until everything was supposedly resolved. When we tried today to pay our Credit Card Statement we learned that our business credit cards were closed. Today we lost 5 hours talking to different agents at Bank of America who were all very friendly but who could not do anything else than apologize and telling us that these are all compliance reasons. Why can we get a letter by mail that our accounts are closed but not a letter that there are still certain points that have to be clarified before the account is closed? At this point we are really upset and not feeling treated as " VALUED ' customers ( like Bank of America always tells us ). We want to make sure that this matter is taken care for all our accounts now before our other accounts are blocked / closed also. We are really disappointed that Bank of America is " playing around '' with our accounts just to get information and not considering in one single moments that they are affecting our business and private banking in a very negative way.
Product: Debt collection

Hello, I owe {$130.00} to XXXX. I told the collection company that I don't have the money because I am on XXXX leave. They call me numerous times a day, and if I was on leave in the XXXX why would I have the money in the XXXX. They are harassing me, and I have told them numerous times that I would pay when I could. I have the list of calls they make all hours of the day and I find it so unnecessary. They are very rude! I have the log in my phone of all the calls they make daily. If I had the money, I would pay it just to get them to leave me alone, but I don't go back to work until XX/XX/XXXX. The company is called EOS CCA.
Product: Debt collection

I owe about XXXX in debt to the Military Star Exchange Program which is under the Army & Airforce Exchange Services, they turn the debt over to XXXX XXXX XXXX XXXX they are saying I have to pay them XXXX extra dollars on the debt because they turn it over to them, at a rate of XXXX Interest until I pay off the debt. They sent me a letter saying that if I don't satisfy this debt that they will began taking payments out of my Social Security benefit payments, I also told them that I could pay them XXXX a month on the debt, and they said it would take me 30 years to pay off the debt at XXXX percent interest, they told me I would have to pay a minimum of XXXX a month for 36 months, I also called the Military Star Exchange and told them that I could pay on the card they gave me, but they said they turned the account over to collections and they would not be able to accept no payments from me on the card,
Product: Prepaid card

Went to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and used card at the pump. They took a {$75.00} hold. Several weeks have gone by and I have not received my funds back from that purchase. I contacted the card company XXXX times, the third time on XX/XX/XXXX I was told that the issue was escalated, but when I requested a condo number, I was told that it was internal, and it would take XXXX hrs for the funds to be back into the account. It is closing in at XXXX weeks and I stilll have not received my money back, and am being left on hold with card company.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and I found a 30 day late payment from XX/XX/2019. I am not sure how this happened. I believe I made my payment to you when I received my statements. My only thought is that my statement did not get to me.
Product: Bank account or service

I entered into a transaction EBAYXXXX. on account ending XXXX on account XXXX XXXX The transaction was completed as per the agreement and terms of service on Ebay and Paypal. The receiver, after signing for receipt of the goods turned around the same day and reported that they did not in fact receive the goods. Paypal took {$210.00} from me with out merit, without recourse and without right of appeal. I thought it was illegal to charge back an item as not received. In GA it is termed " theft by taking '' I would like Paypal, Ebay , Inc and XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Investigated Proof of Delivery with signature confirmation XXXX XXXX XXXX