23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an 83 point credit drop for no apparent reason.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, PayPal permanently limited my close to 10 year old business account, my wife 's personal account and my personal account for non-fraudulent violations of their Acceptable Use Policy.

Furthermore, they stated that they would be holding my entire balance of {$29000.00} for 180 days to cover refunds and potential chargebacks. This effectively leaves me with {$0.00} in operating capital, savings and/or living expenses.

I wrote the company immediately, and they replied that they would not consider an appeal.

Phone representatives allowed me to speak with a supervisor, who stated the same thing.

One supervisor stated that I could write the corporate office, but didn't give me a contact person. They only gave me a general address to the PayPal office in XXXX XXXX.

I wrote again on XX/XX/XXXX stating that I didn't want my account any more but that all I wanted was to have access to the money in the account that it took years to accumulate.

For the entire calendar year of XX/XX/XXXX, I had a total of {$500.00} in refunds. I had {$0.00} in chargebacks ( see the attached report from my PayPal account ).

The company replied two days later with the same language, that they had to keep {$29000.00} to cover refunds and chargebacks.

On Friday, XX/XX/XXXX, I wrote an email to Senior Executives and the Appeals Department again requesting that they give me the balance of the money less {$560.00}, a reasonable amount to cover potential chargebacks and refunds. I stated that they didn't have to give me use of their product, but that I wanted to have access to my capital.

No one has responded by phone or email as of XX/XX/XXXX.
Product: Vehicle loan or lease

Hi it's me again. So when looking at all the documents you sent me when you settled my judgement. I have set down went over them and yalls math does not math. So u have XXXX percent interest rate on a XXXX dollar car. Ok cool so that would be XXXX. However my finance charges were XXXX which is actually closer to XXXX percent which would give you the finance charge of XXXX. That's very deceptive. If I had of made all my payments I would have paid XXXX not including the XXXX I put down. For a total of XXXX for a 2015 XXXX. So if you go by what the interest rate says of 22.99 % the total would have been XXXX plus the XXXX down it would have been XXXX. Which it XXXX dollars less than what yall charged. I should hope that you all eventually quit screwing people. It's not fair for you to hide hidden interest rates. I will provide the copy of what u sent. Also when I would make payments you all would credit the XXXX dollars then reverse the credit for XXXX and add on XXXX to the balance with every payment. This company is shady and should change the way you do things. You prey on people that don't have a choice at the time. Then come after them when you know your hiding fees. It's not right. No I'm not just statified with you canceling the judgement against me because, I was taken advantage of and it's clear in black and white in the paper work. Just a little math and research goes a long way. At the time of the loan I wasn't in a position to math the whole equation out. I was a single mom doing the best I could with XXXX babies to make ends meet and needed away to get back and forth to work to provide for them. Please I beg you to stop preying on people. Please all pages included in the packet. 
Because I would have never even known you were literally screwing me had you not sent that response.
Product: Credit card

Pursuant to Comenity 's response letter to my earlier CFPB complaint # XXXX ( please see response letter attached ). 

Contrary to the information provided in Comenity 's response letter, as of XX/XX/2024 I have not received any letters whatsoever from Comenity requesting documentation. 

I have contacted Comenity Bank today, spoke with XXXX on their Account Protection team, and was told that I need to provide copies of : my Driver License, front and back of my Social Security Card, and a recent Utility Bill.

Per XXXX XXXX advice, I have e-mailed all requested documents to XXXX, and have received an automated e-mail response advising me that the documentation has been received and will be reviewed within 30 days. For further verification, I am attaching here copies of the documents that were provided to Comenity today via e-mail. 

Meanwhile, my account remains on hold, and I'm not able to use my card to make any new purchases with it, while waiting for the documents to be reviewed. All of this simply for attempting to add my card to XXXX XXXX, and for seeking Comenity 's assistance with the same after not being able to add it on my own.
Product: Credit card

I was a victim of identity thief. The credit card company called me and told me they stole my credit card number, and they were doing illegal charges. The credit card company told me to file a complain for all the illegal charges, and I did. Since that incident, I did n't use the credit card, and three months later I still had a balance on the card and fees for charges that I did n't do. It is affecting my Fico score just because the company does n't want to do the job. The customer service has been a nightmare. We called at least XXXX times, and they still did n't fix the problem. Should I sue the credit card company for damage?
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company contacted myself and four family members last evening around XXXX. They would not identify what type of company they were calling from and all they said is they needed to know my " location ''. They not once stated that they were attempting to collect a debt they just repeated the name of their company and would not answer what type of company this was to ensure my safety before advising my " location ''. Collectors should be calling to attempt to " contact '' a consumer, never to LOCATE them. I just left an abusive relationship involving a restraining order and the fact that this company called late at night and ALL of my family asking for my location made us contact authorities thinking it was related to this domestic assault situation. Even when I called today and stated it was me, they would NOT tell me what their company does or why they were looking for me ( again IE if they were attempting to collect a debt ) unless I told them my DOB and home address. Of course they were nasty on top of it, absolutely no customer service on their part which caused EXTREME distress and frustration on my end. They stated their script of stating they are looking for a consumers " location '' and calling multiple family members was provided by the CFPB so it was legal. This tactic is scary and inappropriate for the consumer, as you never know what a consumer 's situation is, just like my situation explained about above. I hope this never happens to another consumer or their family again.
Product: Money transfer, virtual currency, or money service

I was scammed for a puppy for my children. I did the transcation via XXXX. Bank of America messed up my claim numerous times. 
On XX/XX/2020 I made three transactions via XXXX for a puppy, not realizing that I was being scammed. Turns out I was scammed. I called BOA to tell them. The claim was done incorrectly. I called Monday, Tuesday, Wednesday, and Thursday and each representative filed my claim for scam incorrectly. Finally Friday a supervisor " escalated it. '' I called back the next day and was told the claim was done incorrectly and that they did it correctly. The next day another representative told me they were escalating and that the past two complaints were done wrong. I've called everyday this week and finally got it fixed, but it is too little too late. I was told if the scammers closed the account which is likely, I won't see a XXXX back. Had this been done correctly the first time, I may have had a chance to see some money back. Now its 5 days, and scammers are smart and the accounts are probably closed. I offered all sorts of documentation and BOA denied it all. Because of the negligence of Bank of America 's part, I am holding them responsible for the funds. I am demanding an account credit. Had your employees done their job correctly the first time, second, time or even fourth time I could have had my money back. I've been a loyal Bank of America customer for over 11 years and this is appalling. Each time I spoke to an agent the entire week, I offered entire conversations between me and the scammer to prove the scam. BOA agents declined. Friday XX/XX/2020 the supervisor finally gave me an email to send the entire conversations to them to expedite the process. This is a direct violation of UDAAP regulation. 
I want Bank of America to make right on what their employees messed up on. I was scammed, and each representative did the claims incorrectly which is causing me not to get the money back from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX i noticed i had a bunch of inquiries that i did not authorize or know about and i had a credit card that had been maxed out that i did not authorize or know about. 
So on XX/XX/XXXX i filed a police report for identity theft. Since then I've disputed these accounts XXXX or 4 times but Equifax keeps telling me the accounts have been verified..? How? Because i sure didn't. And it behooves me because Ive sent in the police report with the dispute explaining identity theft. And they seem to just dismiss this fact
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error res ution reiuirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I purchased a home XXXX 2017 and tried to register online to make my first payment for XXXX 2017. The company has no record of my loan information and can not give me online access to my own account. This is preventing me from making my first time payment and I am asked to use a coupon split with the information offered to me at closing. I live my life by having excellent credit and can not afford for my score to be lowered by a mistake made at the Banking level. I have my loan information and when I call and offer my ssn # the answer is no records found. I have a 30 year fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payment from this account : XXXX XXXX XXXX
Product: Credit card or prepaid card

[ 1 ] On XX/XX/XXXX, I purchased airline tickets using a Chase credit card, paying {$3800.00} in total, with {$3000.00} charged on the card and {$830.00} paid with XXXX Chase Ultimate Rewards points ( Exhibit # 1 ).

[ 2 ] Subsequently, the flights were cancelled, and on XX/XX/XXXX, I received a notice from Chase stating that I will get a refund for the flights in the amount of {$3000.00} and XXXX points ( Exhibit # 2 ).

[ 3 ] On or around XX/XX/XXXX, I received a check from Chase in the amount of {$550.00} that seemed to be intended for a refund for the portion originally paid with Chase Ultimate Points ( Exhibit # 3 ). I deposited the check upon receipt.

[ 4 ] Since then, I have contacted Chase customer service more than a few times requesting the refund of : a ) {$3000.00} that was originally charged on the credit card and a refund for which was promised in the notice from Chase mentioned above. 
b ) {$270.00}, the difference between the value originally paid with Chase Ultimate Rewards ( {$830.00} ) and the amount of check that I received in XXXX ( {$550.00} ) that is mentioned above. 
However, by XX/XX/XXXX, I have not received such refunds.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear AMSHER COLL, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that AMSHER COLL has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for AMSHER COLL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that AMSHER COLL immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring AMSHER COLL into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices.

This notice is given in good faith with the expectation that AMSHER COLL will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letter from capital accounts under account XXXX on XX/XX/XXXX for creditor XXXX XXXX for pay balance of {$320.00}. 
I went to get one XXXX XXXX on XX/XX/XXXX. I and my insurance paid them full admissible account of XXXX XXXX. 
After year end, they send my balance {$290.00} showing that they also XXXX  XXXX XXXX during this procedure of XXXX XXXX which was rejected by my insurance that XXXX XXXX is only done when XXXX XXXX. I was also in strong anesthesia and do not know if they XXXX XXXX. I questioned XXXX office that why no approval was obtained from me nor admissible, they simply replied sorry. 
I called and send numerous request to Capital accounts that XXXX XXXX is not done by any XXXX when we go to XXXX XXXX. Verbally they always agree with my submission but looks as part of their paid service they send this debt to credit records. It will not be out of place to mention that this XXXX has mostly been overcharging than admissible amount allowed by my insurance which was brought to the attention of Capital accounts. In nut shell XXXX has been charging me by unfair means. 
Kindly arrange to help as no XXXX XXXX is done by any XXXX  at his own when any customer goes to XXXX XXXX. 
With kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX my wife needed medical assistance. The billing company was XXXX, XXXX XXXX XXXX XXXX. I paid the invoice in XX/XX/XXXX. But to today it shows as a deleterious mark on my credit. I asked TransUnion to remove a few months ago but it 's still there. I tried to dispute the entry again this evening and TransUnion 's page would not allow me to do so. Here is the original creditor 's contact information. Please help me resolve this. 
XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did a pre-qualified app with XXXX on XX/XX/2023 which was advertised as a soft pull only, but took XXXX points off my credit report as a hard pull. I never followed thru with application. I was pre-approved but never pulled the trigger to get the credit card.
Product: Credit card

We signed up for Chase Visa through Southwest Airlines for a special promotion of XXXX reward points if you spend a certain amount of money over 3 months. the problem is they decided now that we signed up for a promotion that only gives you XXXX reward points. they do n't have a record to what you signed up for and never sent us an email stating what reward program we signed up for.
Product: Checking or savings account

On XX/XX/XXXX, I was scammed by a guy who we thought worked for XXXX. The purpose for calling XXXX was to reverse some charges to my bank account. The result of the scam I was defrauded out of {$6400.00} out both checking accounts. I contacted PNC immediately on XX/XX/XXXX, trying to stop or freeze all those tractions that were made and was told that they couldn't do anything until after the charges left pending and then I could file a dispute. Once those charges left pending on XX/XX/XXXX, I filed a dispute of which was determined as valid transaction therefore my dispute was denied on XX/XX/XXXX. I am now trying recover what monies that I lost and I feel that if PNC had stop or froze those transaction I could have recovered the money that I was defrauded out of.
Product: Debt collection

I former partner of mine I believe opened an account under my name for XXXX XXXX using my information. I was unaware of this account because I have several accounts with this bank already and thought it was for one of my authorized accounts.
Product: Debt collection

A debt collector sue me because i owe discover bank an amount of XXXX $ and they send me a citaion on XX/XX/2022 with amount of XXXX $ and i called then to discus the payment options, i told that i can make a monthly payment of XXXX $ monthly and they refused that amount even if i said that all what i can afford because i have another bills i need to pay too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$100.00} o XXXX XXXX XXXX Balance XXXX {$4500.00}
Product: Debt collection

1ST Franklin Financial Corporation and/or its representatives did on or about XX/XX/XXXX use or allowed to be used my nonpublic personal information, to wit ; my Social Security Number, Name, Address, Phone number and other personal identifiable information to obtain financial benefits ( Loan ) in my name via the use of fraudulent Security Instruments while requiring me to repay said fraudulently obtained financial benefit under the guise of an otherwise legitimate Agreement used to deceive me into believing that the financial benefit ( Loan ) originated from their corporate extension of credit when in reality the financial benefit ( Loan ) origination resulted from the fraudulent used of my SSN and other personal identifiable information used to identify me. ( see, uploaded Doc ) Moreover, said fraudulently obtained financial benefit is being fraudulently reported on my consumer report ( XXXX XXXX, XXXX, XXXX ) under the pretense of a legitimate loan, despite my XX/XX/XXXX letter to 1ST Franklin Financial Corporation OPTING OUT of the sharing of my Non-public personal information in violation of the Privacy Act of XXXX et. al ...