23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX separate occasions I have been given misinformation about the payment plan I have set up I received the loan in XXXX of XXXX. I signed a contract with the company for automatic payment to be deducted from my payment account. This is the same account the money was disbursed into. I provided bank statements to set up this payment plan. 

In XXXX of XXXX I checked my account to see that my payments had not beed debited and that I had accrued late fee penalties and had a balance over XXXX dollars. 

I spoke with a customer service rep over the phone who confirmed I had a payment plan.I asked her why it was not being debited she said " I do not know. '' I asked her if attempts were made and she said she could not do that. I cross referenced the date with my bank statements and saw no charges from NC Financial were attempted on the withdraw dates. I confirmed the bank account number verbally and she verbally read it back to me. I was told that the issue was resolved and if the issue occurred again I would be contacted. I paid the past due balance and late fees. 

In XXXX of XXXX I checked my account and saw that again my account wasn't being charged again. I called and spoke with another rep who told me she doent know why either. She confirmed I have a payment plan. I then read her the number. she said that the number was incorrect and off by one digit. I was then disconnected while attempting to set up a new payment plan. 

I spoke with another rep who helped me set up a payment plan. I asked why I didn't receive a phone call. She said that I wouldn't have unless the payment plan is invalid. I told her that it must have been invalid for months if the numbers were wrong. she said " oh yea ''. I then asked to speak with a supervisor about the late fees. This was on XX/XX/XXXX. She said I would receive a call in XXXX hours. I have reached out 4 times since over the phone and via email and they refuse to speak with me. 

I have been given contradictory statements and misinformation. My account number was confirmed as correct, then confirmed as wrong. It should be impossible for my bank account number to be inputed incorrectly given the fact that in order to disperse the initial loan I had to provide bank statements. The loan was dispersed to my account so they must of had the number correct. 

I was told I would receive calls about late payments, told this wasn't a company practice only emails, then told that they call if a payment plan isn't correct. This is predatory lending practices.
Product: Credit card or prepaid card

I have a capital one platinum card and recently found fraudulent transactions on the account. The rep i spoke with closed the account and I'm having to wait 7-10 days for a decision to have it reopened. I was not told the account was going to be closed or did I receive an notification that this had happened until i looked at my bill again and noticed additional fraudulent charges and call back. Please help me to get my account reopened
Product: Credit card

I have been trying for over a year to cancel a product service called XXXX XXXX. They span you to enroll then make it impossible to unenroll from denying all 2 step verification with the exception of email verification that's not even an option. They have links that say that you can use 2 step verification by authorizing s new phone number, that doesn't work either. They won't let you change phone numbers! There are numerous system errors occurring presently and the reps on the phone c9uld neither update my phone number and VERBALLY CLAIM to have canceled the XXXX XXXX enrollment yet refused to send any type of confirmation via any method. She did however provide her employee ID supposedly at XXXX XXXX pm today XX/XX/XXXX. However she said the enrollment is slated for deletion and it takes 3-5 business days however, no confirmation is sent by the company that a consumer has Ben unenrolled XXXX I fell that they have not done so and will continue to have access to my credit file. Furthermore, their verification system is down and they had me send a copy of my front and back image of my drivers license prior to my speaking with that supervisor who claims to have accomplished the enrollment. I do not feel that this company is handling consumers personal information properly and it may lead to identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an error on my credit report. I recently reviewed my credit report and noticed that there is a bankruptcy item listed that is not accurate. I have never filed for bankruptcy, and this item is negatively impacting my credit score and my ability to obtain credit. 

I contacted the credit reporting agency to dispute this error, but they have failed to correct it within the XXXX timeframe required by law. I have provided them with documentation showing that I have never filed for bankruptcy, but they have not taken any action to remove the erroneous item from my credit report. 

I am frustrated and concerned about the impact that this error is having on my credit score and my ability to obtain credit. I am requesting that the credit reporting agency immediately remove the bankruptcy item from my credit report and take steps to ensure that this type of error does not happen again in the future. 

Thank you for your attention to this matter.
Product: Debt collection

Portfolio Recov calls me daily from a different number. I have no outstanding debt and an extremely high credit score. This has been going on for over a month. Each day I block a new number and each day they use a different one.
Product: Checking or savings account

XX/XX/22 my Citibank debit card was declined. I tried to check my balance at a bank ATM, and was unable to log on and was given a number to call and a code to refer to. I called the number and could not get any information about why my account was down, but after three separate individuals failed to get any information was given a number and option to use for answers.

Since that point I have tried many times to reach this department. The wait time is always stated as " over thirty minutes '', and every call has been disconnected at around 15-20 minutes. I have tried speaking with supervisors over the phone. Attempts to use the Citibank website to contact anyone have failed as no information or contact is available unless you log on, and my logon has ALSO been locked. 

I finally found contact emails through third party websites. This morning ( XXXX ) I spoke with an individual who confirmed that a ) yes, my account is locked, b ) they can't give me any info about why or whether I am at further risk, c ) they have literally no other way to find out than to call the same number and option that I am using, and d ) because THEIR time is valuable they can't wait the half hour plus to find out. 

I am locked out of my account. One rep slipped up and said that this is usually because of " fraud ''. I have tried everything short of going directly to the bank branch that started my account, and even though I have been told over the phone this will not do anything I'm going to try it anyway. This is insane.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX  emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

CFPB CASE # XXXX Thank you for trying to help me. Capital One does not have anyone to discuss this issue, They reply on their computer to answer which they have. They sent me a computer mumbo-jumbo. They do acknowledge the account is closed and they have received the XXXX payment. They say there is a balance of XXXX. Those charges where placed after the account was closed. I have asked them for a statement of all the charges as well as my authorized acceptance of the charges.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed fraudulent accounts on my Transunion report. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is no document proof that these accounts belong to me. Please delete these accounts from my Transunion report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Dear paypal, on my email i received a notificacion about my account. 
We need some information regarding your PayPal account. ( Ref ID - XXXX ) After a few hour i received another email about my account is permanent limited and i never has a chance to send my document. 

I never has this problem before i will apreciate to get help to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan process was fairly easy. Didn't have any issues until I was notified that I could refinance. Called and stated I am interested in refinancing and XXXX the Branch Manager stated she would get the loan paper work started so i could come in a few days later and sign paperwork. When I came in, nothing was started per the other associate sitting in the office. They also stated i need proof of address and a paycheck. No biggie but, would have been nice to know prior to showing up. Come back with the required documents & specifically ask twice in two different ways whether and hard inquiry would be placed again on my credit from refinancing my loan. Answer was no. Next day, I received an alert stating a hard hit on my credit from XXXX XXXX. Called XXXX XXXX & the lady that answers, stated they shouldn't have ran credit within a year. XXXX calls back and says, " I said there would be an inquiry ''. If that was the case, I wouldn't have done it and told her that. Hook & bait. I was very clear when I asked the question & was told there wouldn't be an inquiry. UNAUTHORIZED INQUIRY needs to be removed from my credit reports.
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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

On XXXX XXXX XXXX  I opened a purchase dispute for an XXXX purchase in the amount of XXXX. I ordered a Laptop but XXXX sent an empty box ( full of packaging and heavy box material but no laptop ). This is a well known XXXX scam. I contacted XXXX to report the issue, via phone and the rep told me I could file a return but to get a refund XXXX would expect a laptop. Since it was impossible to send XXXX something they did not originally send me ( effectively refusing the return ) I filed a purchase dispute with Citi. 
As of XXXX Citi claims they have " completed an investigation '' in favor of XXXX Citi has violated my rights under the FCRA multiple times detailed below : 1 ) Citi never sent any acknowledgement of the initial dispute 2 ) Citi never attempted to contact me to get any additional information in regards to this dispute. How can you claim to do a reasonable, unbiased investigation if you do not even talk to the party that has been damaged and needs a dispute resolution? 
3 ) Citi never provided me with the response from XXXX or allowed me to respond they just closed the dispute in XXXX favor with no communication to me. How can you do an investigation in good faith if you are not transparent and allow your customers to respond. 
4 ) Citi missed every major communication required under my FCRA in regards to this dispute 5 ) Citi has clearly a bias in favor of XXXX in this instance. This item was either taken out of the box before it was stocked at XXXX or taken in transit and the package was stuffed with enough material to offset the weight difference. The box was heavy enough from the packaging to not alert me to an issue until I opened the package to realize no laptop was present. I would be interested as to how XXXX could provide " proof '' that the laptop was actually delivered to satisfy an investigation when I just received an empty box. Nothing about this investigation was done thoroughly, above board, or in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to purchase a car since XX/XX/XXXX. The finance company can not retrieve my Equifax score. I find out from Equfax that they won't release it because the information Equifax has on file is an address I lived at a DECADE ago and they have my maiden name on file which is also from a decade ago. At some point Equifax changed my information back to these which are incorrect. I bought a car last year in XXXX of XXXX with this same dealership and my credit was run without incident. Somehow, it was changed within Equifax 's system without my knowledge or consent. This has caused me to miss work as I have been unable to qualify for my car loan even though I got one JUST LAST YEAR. This is absurd.
Product: Checking or savings account

Truist is currently advertising an offer on both XXXX and XXXX for a {$400.00} bonus when a new customer opens a new checking account. Looking at the fine print of the offer it very clearly states The offer is only valid to customers who have had a direct communication from Truist. A XXXX or XXXX ad is NOT a direct communication and therefore anyone who opens a new account through this advertisement would automatically be disqualified from the account opening bonus. I have reached out to Truist with my concerns via XXXX comment, XXXX message and XXXX message. I only had one response which stated that I could look at the fine print on the website to determine my eligibility. This seems like an attempt to intentionally avoid addressing the point I have raised and the whole advertisement appears to be an attempt to mislead customers into opening a new account and then withholding the advertised bonus. 

Here is a link to the ad on XXXX ( I will also attach a screenshot ) XXXX XXXX XXXXXXXX? XXXX Here is a link to their offer site which shows the fine print. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been promptly paying my charges. To date, XX/XX/2021 I have made a total amount of charges for {$530.00}. To date, I have made a total amount of payments in the sum of {$560.00}. This being a secure credit card, for which I deposited {$200.00}. So, I should show an available credit balance of {$230.00}. But my available credit balance shows as {$0.00}.
Product: Consumer Loan

I have XXXX auto loans with Santander Consumer USA with a 24 % interest rate.I 've been a customer since 2012 and my payments mostly go towards interest.I 've requested a modification to decrease the interest rate and payment but Santander refuses to offer any assistance.I was unemployed for five years.Both vehicles have over XXXX miles and the payoff for both vehicles is over {$19000.00} each including interest.It started out as a {$15000.00} loan.Santander needs to offer better assistance for customers who were laid off their jobs, because adding high interest does n't resolve the situation it make matters worse because the vehicle is not worth whatever the payoff amount is.
Product: Debt collection

Additional information after receiving feedback- CFPB complaint # XXXX XXXXA supervisor hasnt called me. I will provide a copy of my phone record. I request this account to be removed from my credit report until document of debt is received from company. My phone number is XXXX I advised XXXX the phone number she gave wasnt my phone number. I agree I asked XXXX only about a pay to delete because of the tone of the call and XXXX implying that I was argumentative. No where in my initial complaint did I say I discussed removal from credit report. This complaint is to request removal from my credit report until I receive correspondence about the debt. I wasnt given the opportunity to resolve debt because the only correspondence was conveniently sent to the wrong address and when the company obtained the correct address no attempt was made to collect the debt. I am requesting the collection process to be reaged to allow the company to reissue the letter and allow me to resolve the account within the 45 days offered in the initial letter. XXXX informed me debtors have 45 days to take action before credit reporting after the letter is sent. Had the company reissued the letter after the correct address was found 1 day after they obtained acct this matter wouldve gotten resolved. This appears to violate FDCPA. I wasnt given a 30day opportunity to resolve or dispute the debt and the company states they updated to my correct address within 24 hours of of obtaining account. XXXX stated the got my correct address from skip tracing, and nothing was returned to sender from the incorrect address. A simple XXXX  search of my name and previous city gives my phone number and agent said they tried to call me and I advised number on file not my phone number ; since a skip trace was conducted 1 day after the company obtained account my new phone number was also found and no attempt was made to call. Considering the timeframe between the company receiving account from XXXX and them obtaining my correct information via skip trace, I am asking the creditor to reage the debt to the original 45 days from notification as per the terms of the original letter to allow adequate time for resolution. It appears unethical and intentional that no effort was made to use correct information was gained via skip trace, especially considering the purpose of skip tracing is to locate, notify, and collect debt ; especially suspicious if my credit profile was accessed through skip trace. If my credit profile has been accessed by this debtor it would appear that debtor avoided using contact information to create urgency for payment because I have a 100 % payment history.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with Zelles handling of disputes because of the new CFPB lawsuit highlighting significant issues with the platform. I have used Zelle many times in my life and no matter the times I have had to report issues with money sent or recieved Zelle failed to investigate further to fix my problems
Product: Checking or savings account

Every time I call every time I try to access the online accounts every time I email or every time I say something to someone they act like they don't know what I'm talking about numbers seem like they're not the right numbers my apps or not showing the right funds that shows online I'm being blocked from being able to send money I'm blocking able to receive money I'm being blocked from being able to access different assets I'm being blocked from everything all kind of ways because of different hush codes and different codes and stuff that are implicated to block blink pages and blank statements and all kind of someone is trying to make sure that I don't access funds or be able to get things even if I try to do an invoice is being blocked anytime I try to go home the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all kind of things every time I try to access the accounts it's being blocked or is acting like they don't know who I am
Product: Debt collection

In XX/XX/XXXX and XX/XX/XXXX XXXX charged me for an item I never received ( a hot spot, now called mobile data device ). I communicated with the XXXX representative, XXXX, and he acknowledged that it was an error by the company ( see attached letter ). However, the charge was never removed by the company. XXXX eventually referred the case to a debt collector Convergent, which has negative impacted my credit score. Even after my attorney sent them a cease and desist order, they continue to dun me for an item I never received or used.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were established without my authorization, likely due to a data breach. Pursuant to my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX