23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I processed a transaction using my clients card for a substantial job, one that marked a significant milestone for my small concrete delivery business. This client, with whom I have been conducting concrete business transactions for several months, has been a consistent and trusted partner. XXXX successfully processed transactions ranging from {$5000.00} to {$10000.00} over this period. 

On that specific day, I ran his card for a transaction totaling {$20000.00}, representing a substantial and exciting project for my business. However, despite our established transaction history, on XX/XX/XXXX, my business checking account was abruptly closed without any explanation. {$20000.00} in funds related to this specific transaction has been placed on hold for 120 days. 

I would like to highlight that WePay, also known as XXXX, in association with JP Morgan, is responsible for closing my account. The lack of clarity regarding the reasons behind the account closure and the extended hold on funds is causing significant disruption to my small concrete delivery business operations. This had led me to send an Appeal to open my account to Wepay. 

After sending all the requested information via email with a response time that created difficulty for me to stay informed about the ongoing situation, eventually, I received the following message : We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2024. Because of the proprietary nature of our review, we are unable to share more information regarding this decision. 

This situation is impacting my small concrete delivery business negatively, especially considering the importance of the transaction. It is worth noting that I have consistently processed transactions with the same client, using the same card, and all of a sudden, my account has been closed. This closure prevents me from using XXXX, and the hold on my {$20000.00} for 120 days is a severe hindrance for a business of my nature. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$370.00} open balance, XX/XX/2019, XXXX XXXX. 

I have no idea who either of these companies are.
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 caused significant incontinence and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being XXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help
Product: Vehicle loan or lease

I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.
Product: Credit card

Made pay-in-full payment 1 day late. Discussed with Amex customer service; was told that with our XXXX year history of paying balance in full every month, they would offer XXXX courtesy correction on XX/XX/XXXX. They did not indicate any interest charge during that call. XXXX month later, noted on bill that XXXX set of charges {$540.00} interest covers remaining statement balance from XXXX statement closing date up to XX/XX/XXXX due date ; then XXXX set of interest charges of {$280.00} interest is from XX/XX/XXXX due date up to XX/XX/XXXX pay in full date. The concern is that the Amex representative did not disclose that we were incurring any interest following the one-time courtesy correction. It was then hidden from our view, paying the amount in full at that time ( i.e., they charged us for interest over a XXXX  day period for payment that was rec 'd in full XXXX day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to correct a complaint I recently filed against XXXX XXXX on behalf of XXXX XXXX XXXX. I reported the wrong collection agency by mistake The account is actually held by XXXX XXXX on behlf of XXXX XXXX XXXX not XXXX XXXX. 

However, the rest of my complain is valid and is as follows : This debt is reported as " educational '' but it was for rent at the XXXX  apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but XXXX XXXX has since purchased the debt, inflated it by thousands of dollars and reaged it.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that the balance reported on this account is incorrect. According to my records, the account is already paid off. 

I request that you investigate this matter and correct the balance on my credit report accordingly.
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX and 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 XXXX 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: Credit card or prepaid card

Pnc banking the statement XXXX amount for XX/XX/2023 I made a payment on the XX/XX/2023 XX/XX/2023 they charged me a late on the account
Product: Checking or savings account

XXXX  account was opened XX/XX/2023. Without any notice or reasoning Citibank blocked access to my account and funds on XX/XX/2023. Account was closed without reason or explanation on XX/XX/2023, at which time a check was mailed with the remaining funds totaling {$55000.00}. 

Several attempts were made to access funds, transfer funds both online and in person. Offered to show additional identification to assist with everything but was still denied access to my cash funds. Citibank made me late and delayed on several bills and altered my lifestyle by not giving access to the only funds that I had at that time, forcing me to take out loans and pay for things via credit were allowed, to stay current on obligations.
Product: Debt collection

XXXX XXXX has illegally reported to Experian a derogatory account after I filed a complaint with the CFPB XXXX back on XX/XX/2020 against them stating my notice of dispute of validity of the information provided. I REQUESTED The debt to be sent back to the original creditor there is identity theft and fraud related to this matter. They have have sent the derogatory information anyways to my credit report violating my rights under the FDCPA. The information was disputed within the 30 days of validity and requested to send back to the original creditor due to identity theft and fraud. Your breaking the law reporting to the credit reporting agencies anyways. I will seek litigation if this isnt removed immediately.
Product: Credit card

We paid a closed Home Depot credit card instead of our active Home Depot card. Citibank took the payment but never applied to the correct account. They then got a judgment against us with the incorrect balance and we never ever aware of the judgment being served in 2011. And now Citibank has a debt collecting attorney trying to apply a wage execution based on a false balance judgment. This is absolutely awful behavior or Citibank and we need CFPB to contact them so their debt collectors XXXX XXXX XXXX XXXX stop the application for wage execution.
Product: Student loan

I had a loan from XXXX. I paid them in full. My check from work gets garnished and they wont send me a reimbursement. XXXX is blaming The Department of Education. The Department of Education is blaming XXXX. Nothing is being solved. Im getting the run around by both companies. And nobody wants to point me in the direction to get help or a reimbursement. My wage was garnished {$470.00} and I feel its unfair to me because i paid my loans off in FULL.
Product: Debt collection

I have reached out to the company on multiple occasions to verify the debt. They will not be send anything to verify but threaten and harass me with phone calls after contacting them. They call several times a day, back to back but will not verify the debt.
Product: Debt collection

XXXX paid for the debt and the money that they are collecting is more. In addition, the original debtor is trying to collect the difference not paid by XXXX
Product: Debt collection

this debt is over XXXX or XXXX XXXX XXXX and does not belong to me and is harming my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have gap insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$150.00} XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was paid off XX/XX/2022 and the XXXX was release XX/XX/2022. On multiple credit bureaus show the account is still opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION TO CONSUMER FCRA AND METRO 2 CXXXX 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 XXXXXXXX
Product: Mortgage

Chase bank recently used faulty information to extort over {$3000.00} from me and my wife. XXXX they raised the escrow amount for our monthly mortgage by less than {$200.00}. We pay our mortgage automatically and I forgot to shift to the new, higher payment. Starting in XX/XX/XXXX, we received several threatening letters from Chase 's collection agency claiming we owed them over $ 3K. We raised the funds overnight and sent it to them. We did not owe them over $ 3K, though. We owed them less than {$300.00}. When I called them, I learned that : ( 1 ) Even though they deposited the checks I mailed them in XXXX and XXXX, and even though I no longer had access to those funds, they did not count them towards the mortgage payment because they were not the full amount. 
( 2 ) Because of that, their system generated an automatic letter to me claiming I owed over *Ten times the amount I owed* ( 3 ) When I then asked what would happen with the extra money I had given them over what I owed, they told me they had automatically applied it to the principle on my mortgage without ever asking me, and that in order to get it fixed, I would need to give Chase an addition {$140.00}. 
In short, they took money from me, did not apply it to my loan, threatened me unless I gave them over $ 3K and then used my money without asking me. Not only did their mistaken letter cause serious cash flow headaches for my household, but the icing on the cake is that in order to get them to do the right thing and use the extra funds the way I want them used, I have to pay them even more money. The situation is galling, and if it 's not illegal, it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive Report number : XXXX for XX/XX/20 but the problem I saw too many account opened in my name : XXXX  XXXX XXXX Account ( 2 ) and - XXXX XXXX  ( 2 ) XXXX  XXXX XXXX ( 4 ) XXXX/ XXXX XXXX XXXX  ( 2 ) wrong social security year of birth wrong phone number wrong honestly disaster my concern I want to clean my record and fix all issues
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all violated my rights.

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Comes forth YOUR PETITIONER offers this statement Portfolio Recovery Bought three accounts that were statements were never received prior. These accounts had open disputes and were never addressed. I was waiting on XXXX XXXX to call me back when I found out Portfolio purchased it. XXXX XXXX said these accounts would be deleted with dispute CBR date of XX/XX/2020 but they are still on my credit reports. They have changed the reporting so much I dont believe them. its still there and this has caused me many damages. I have attached the voice conversation as proof! Please help them remove this immediately from my credit report and send me {$6000.00} for damages as settlement Why if they are really deleting it to make me go through this whole call and harass me for it? Why am do I have to ask all these questions. I hope this isnt happening to so many others right now during these times. This has caused me many many damages. I am a XXXX veteran drawing veterans benefits for living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company to let them know. I never signed a contract. That stated, this account has my authorization to be sold to a collection company. Also I told them in writing and on the phone. I seen they sent my account to AD ADSTRA Collection Company. And they are reporting on all three Credit reporting Agencies. The debt as well. Under Speedy Cash with a past due balance. Per the XXXX, it is illegal to report a debt for payment. When the debt was either written off or sold to collections.Im not suppose to be charged for such debt XXXX. Ive been reporting this illegal act for several months, now. Only to be told this was okay and legal by Speedy Cash. I feel violated and taken advantage of by Speedy Cash. Im XXXX and live on a set amount of benefits. I am willing to XXXX Speedy cash. For pain and suffering from this XXXX being put on me illegally. I have tried and tried to dispute this account on XXXX especially. However, Ive reported on all three XXXX XXXX reports. Ive sent Validations letters to all XXXX Reporting Agencies, with no response. If this illegal account is removed from all three reporting agencies. It would be a great XXXX  of my being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several inaccurate items to the credit bureaus but they haven't neither answered me nor fixed my credit report.
Product: Student loan

I have been enrolled in the public service loan forgiveness since 2007 when the program started. I have held XXXX XXXX  that meet the criteria and submitted the Public Service Loan forgiveness certification form yearly. I was in the middle of loan consolidation as recommended to receive the highest payment counts. One day after my loans were consolidated, my PSLF took place and my remaining balance on direct loan were forgiven, except one. I waited and thought it was timing- after all the most current loans I had were forgiven but the oldest ones were not. They were consolidated into a new loan - I resubmitted my employment certifications from 2007. My payment account is listed as 3 on the new consolidated loans- meaning all the prior payments I made were lost in the consolidation. I am not getting anything from federal student loan- no reply 's to emails, long hold times on the phone. My payment numbers havent been updated. I have been waiting for this program to finally come together since I completed my first ten years in the public health care field. I am going on waiting for this for 15 years now- the way this program is sloppy and with no regard to us that work in public service for this loan program. I am really beyond frustrated that only half of the loans were forgiven- when I have meet all the requirements. When in fact on the new loan they consolidated all my past payments were wiped out- when they consolidated and only forgave half of the loans -- and the most current loans at that! Please help me!! I feel like I am getting no where with FedLoan.
Product: Payday loan

I borrowed {$600.00} from Castle pay day and they specifaclly told me that my pay off balance will be {$750.00} ithis compamy have collected more that twice the amount i borrowed from withdrawing from my account only for them to tell me i still owe {$750.00} and some more finance charges.How can this be legal in the united states.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX in XX/XX/XXXX. I paid the loan off in XX/XX/XXXX. XXXX issued a voluntary recall of the product for a full refund. My return was processed via Affirm, since I financed my purchase through Affirm. The refund was received by Affirm on XX/XX/XXXX, per their online system. They issued a partial refund but there is a remaining balance of {$4000.00} that hasnt been returned to me. Attempts to get the rest of my refund havent been successful. Affirm states that refunds via check will take 21 business days. There is nothing on their site that says it will take 21 business days to receive a refund.
Product: Debt collection

Jefferson Capital llc I have notified them that per us law 15USC1692c that I refuse to pay this debt and they still are trying to contact me Total balance {$940.00}
Product: Credit card

I believe that Wells Fargo engaged in unfair, deceptive or abusive acts and practices ( UDAAP ) resulting in me suffering financial injury. I contacted Wells Fargo in XXXX 2015, as an existing Wells Fargo customer to inquire whether they would be able to offer me a 0 % purchase rate on a credit card. I called the customer contact center and explained to the representative that I required a credit card with 0 % interest on purchases and that I was less interested in 0 % rates on balance transfers. I did not intent to transfer a balance. I was pleased to be informed that Wells Fargo would extend an offer of 0 % interest on all purchases made using the card for 12 months and 0 % on balance transfers for 12 months. The offer could be applied to my existing Wells Fargo credit card, which, at that time, had a balance of {$0.00}. The customer representative advised me that in order to activate the 0 % interest rate on purchases, I would be require to transfer a minimum of {$100.00} to the credit card account. I thought this was an odd practice and sought clarification and I also asked the customer representative more than once to confirm that I would receive a 0 % interest rate on purchases for 12 months. He indicated that this was correct. At the direction of the customer representative, I duly transferred {$100.00} to the account and repaid the amount plus a {$5.00} balance transfer fee. I then began using my card for purchases believing that I was benefiting from a 0 % interest rate. I soon found out that this was n't the case. I was being charged an interest rate of 21.15 % apr on each purchase I had made. I contacted Wells Fargo on several occasions and found that they were unwilling to discuss the matter in detail. The initial phone calls I made when I signed up to the offer were recorded and I have been informed that these calls have been listened to twice and that " no banker error '' was identified, I spoke with a supervisor this evening who was dismissive and informed me that 50 % of the misunderstanding lay with Wells Fargo and the other 50 % lay with me. It is my understanding that the Trust in Lending Act requires lenders to explain the terms of their credit agreements in a standardized way so that consumer can make informed choices. I believe that the opposite happened here. I believe that information which would have influenced my decision was not disclosed by Wells Fargo. I also believe that my interpretation of this agreement was reasonable in these circumstances. Ultimately, I believe that I was misled by Wells Fargo.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR INACCURATE ACCOUNT WITH XXXX
Product: Debt collection

Vehicle payment is past due. XXXX was contracted by lender, Ally Financial, to repossess the vehicle. Unable to locate the vehicle for repossession, " investigator XXXX '', an agent of XXXX, identified himself as law enforcement, made false statements about imprisonment and crimial charges to myself, my husband, and to elderly third parties at my home address. " Investigator XXXX '' also called the elderly family members on their personal cell phone and made additional threats of imprisonment and XXXX. XXXX working for Ally Financial have threatened imprisonment, have harrassed myself and family members at home, telephone harrassment, and impersonated law enforcement. Ally Financial and XXXX have violated The Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( CCPA ).