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

I have been having issues using my new XXXX credit card through Continental FinancXXXX when it comes to purchases made through XXXX grocery. I first placed an order with XXXX grocery on XX/XX/XXXX of this year. The original charge amount was {$44.00}. It is not unusual for the actual charge to be a different amount than the initial pending charge, which was the case here. A few days after I picked up the order it was processed through for {$44.00}. However, the amount of {$44.00} remained on my recent activity list and took up available credit. I only had {$1.00} available. I contacted the company about this, and was told the pending would be taken off. I contacted them on, or shortly after XX/XX/XXXX, because I had just made a second purchase through XXXX grocery, not knowing that this was going to be an issue. 

The {$44.00} remained on my account for at least another week. When I checked my online account last evening, XX/XX/XXXX, that amount had been removed, and I had {$70.00} in available credit. I made two charges in the amounts of {$7.00}, and {$18.00}. 

When I checked this morning my second XXXX grocery order had processed through. As before with my first order, the original holding charge of {$66.00} is still there, as well as the adjusted charge of {$59.00}. My available credit is now negative {$14.00}. 

I called them this afternoon, XX/XX/XXXX, to ask if they could remove the pending {$66.00}, as it is basically the same charge as the second {$59.00}, and I need the available credit that pending charge is taking up. 

My call was forwarded to an account manager who, no matter what I said told me that {$66.00} had been taken off of my account, and my account being over the limit was because of the two small charges I had made that were still pending. I had {$70.00} available credit with the {$66.00} charge on my account, and of course {$59.00} is a lesser amount by {$10.00}. So basically this account manager was swearing up and down that {$7.00} and {$18.00} pending was taking up about {$94.00} worth of available credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 8 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under XXXX U.S. XXXX XXXX ( protection of personally identifiable information ) and XXXX U.S. XXXX XXXX ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had a late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy i have never been late on payments for the account XXXX XXXX XXXXXXXX Please investigate and and provide proof with statements showing that these payment were late, If proof cant be provided i demand these payment be updated to on time as they should be as i was NEVER late. Thank you in advanced. 
15 U.S Code 1681 e- Compliance procedures b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently opened an account with Citi and completed the required steps to verify my personal information. I also provided my contact information, including my telephone number ( XXXX ) and email address ( XXXX ). After opening the account, I deposited checks via mobile check deposit, waited for them to clear, and then used XXXX to transfer money to my wifes account since I have not yet received a debit card and there are no Citi branches in my area. 

Initially, there were no issues with these transactions. However, after receiving a XXXX payment of {$650.00}, I sent {$310.00} from that amount to cover a bill. While Citi shows the transaction as completed, the funds never arrived in my wifes account. As I tried to resolve this issue, I suddenly lost access to my online account and was instructed to call the fraud department. 

When I contacted the fraud department, I experienced extremely poor customer service. Representatives were dismissive, unhelpful, and even mocking. Despite my ability to verify my Social Security number, drivers license number, and other personal information, I was unable to verify my debit card number because I have not yet received it. This is precisely why I had been relying on XXXX for transfers, all within the allowable limits. 

Additionally, Citi informed me that they could not verify my phone number, even though it is registered in my name through XXXX XXXX XXXX and was the number I used to sign up for the account. They also claimed my email address couldnt be verified, despite the fact that I received fraud alerts at this same email and used it when opening the account. 

As a result, I was told that I would have to wait up to XXXX business days to receive a code in the mail to regain access to my account. This delay is unacceptable, as I urgently need access to my funds. The situation has caused significant financial hardship and disrupted my ability to manage essential expenses. 

Throughout this ordeal, Ive faced repeated challenges : Customer service representatives have been rude, refused to provide their names or employee IDs, and hung up on me multiple times. 
Ive been told on at least XXXX calls that the system is down, and the call ends abruptly. 
Attempts to escalate the matter to supervisors have been consistently denied. 

I have made every effort to cooperate and offered to verify my identity through other means, but the resolution Citi has proposed ( sending a code via mail ) is not viable given the circumstances. I need immediate access to my account and my funds to avoid further financial and personal hardship. 

I urge Citi to address this matter promptly and fairly.
Product: Debt collection

just got another letter from FIRST NATIONAL COLLECTION BUREAU , INC . 
I called once before that i have never apply or have gotten a credit card from XXXX XXXX XXXX XXXXnd they told me that I did they argue with me about this account and i have never gotten any credit card from this place i don't know what to do so they can take this out of my record please help
Product: Credit reporting or other personal consumer reports

I've been trying to get an updated Credit Report, but haven't received one
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this with both parties and have yet to get a response other than it was verified. My attorney told me to make a CFPB complaint and upload this PDF so he can get this into our state courts to get fixed.
Product: Money transfer, virtual currency, or money service

I used PayPal to make a payment and the people I sent through PayPal were scams, but PayPal did not help me out to recover the amount paid. PayPal should not include scams people on the platform and using way for identification as I got hocked for {$4000.00}. 

The transaction was made are : *XXXX XXXX XXXX sent to XXXX XXXX XXXX XXXX XXXX of {$1000.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) *XXXX XXXX XXXX, sent to XXXX XXXX XXXX XXXX XXXX of {$500.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) *XXXX XXXX XXXX, sent to XXXX ( XXXX XXXX XXXX ) of {$500.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) Thank you so much for all your help and for protecting us from frauds and scams.
Product: Mortgage

We started the refinance application process in XXXX XXXX 2015 through XXXX XXXX /Bank of Oklahoma XXXX . All moved along with positive feedback and we were told that the mortgage should be approved without an issue the week after everything that was required was received and reviewed. The following week, last week of XXXX, we were informed that the underwriters do not believe the appraisal that they set up because it was a high value in the state of Florida. We asked to borrow not even half of the appraised value. We are informed that the reason that our mortgage is not approved is because they did not believe the appraisal. We feel that XXXX XXXX / Bank of Oklahoma XXXX has nothing to base this rejection on and they are discriminating against Florida residents. We wasted time and money going through this process all because the companies underwriters do not believe their own appraisal. We do not understand the risk involved and nobody can explain it to us, the unapproved loan on an amount less than 50 % of value does not make sense. Not one person has been able to explain the risk involved for the loan amount requested on this property. We were only told that the appraisal is too high and they will not approve it. We must start the entire process over with another Mortgage Lender. If they have an issue with Florida they should be up front and disclose their Florida State paranoia and have us go to a mortgage lender who does not discriminate against residents of the state of Florida.
Product: Checking or savings account

I am filing this complaint against Cash App ( Block , Inc. ) due to the sudden and unjustified closure of my account on XXXX XXXXXX/XX/year>, without prior notification. As a result, I am unable to transfer my XXXX  and stock holdings to another brokerage, effectively forcing me to sell my assets and realize a taxable event against my wishes. 

Details of the Issue : On XX/XX/year>, I discovered that Cash App had closed my account without any prior warning or explanation. Following the closure, I attempted to transfer my XXXX ( XXXX ) and stock holdings to another brokerage, but Cash App has blocked all outbound transfers. I contacted Cash App support multiple times, requesting an explanation and the ability to transfer my funds to an external brokerage. They have only responded with generic, automated responses stating that I violated their Terms of Service but refuse to specify which terms I allegedly violated. 

After I submitted an appeal, Cash App sent a boilerplate response that included instructions on how to transfer my fundsdespite the fact that my closed account does not allow transfers. This demonstrates either gross negligence or a complete failure to review my account status before responding. 

I am deeply concerned that Cash App may delete my account entirely and attempt to confiscate my funds. 

Attempts to Resolve : I have made multiple attempts to work with Cash Apps support team, but they continue to dodge my inquiries, provide vague responses, and refuse to allow me access to my own funds. 

I have also escalated my complaint to the XXXX XXXX XXXX XXXX XXXX XXXX and FINRA, but Cash App has yet to provide any clear justification for their actions.
Product: Debt collection

I have never heard of nor had any contact with Premium Asset Services,  LLC . Someon e, n one  behalf of this company left court papers at my place of employment with the receptionist ( who is not a permanent employee ) who then informed her supervisor, who then informed my supervisor, who then informed me. This 'company/business ' has filed paperwork with the courts for a judgement of over {$2000.00} and never once notified me of ANY 'debt ' that I supposedly owe to them. I have never heard of a debt collector not informing you of a 'debt ' before filing paperwork with the courts.     Premium Asset Services, LLC  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit card or prepaid card

Promotional Balances on  Lowes Consume r Credit Card  Promotional b alances ( same as cash as long as paid within promotional payment period ) are being paid first before normal purchase balances. I have complained about this numerous times. I do not have the dates of the complaints. On each occasion I was informed that there was an error on their part and that an adjustment would be made and the amount would be applied to normal purchases instead of the promotional balance. This has been on going for many months. I have been told that it is a system error each time however even after I call none of my balances have been adjusted as they said they would be. When I call back and they tell me it could take as much as two to  three  billing cycles. It has been far more than that and still no resolution. This seems like a predatory way for the credit card company to charge finance charges to unsuspecting clients. If  one  is not monitoring how the payment is being applied then it is sure to cause unnecessary finance charges to appear on their bill.
Product: Mortgage

TruHome Solutions services my mortgage from XXXX XXXX XXXX XXXX. Last month they added {$200.00} to my mortgage payment for homeowner 's insurance. I have and always have had my own homeowner 's insurance. I and my insurance company have emailed them the proof that I have homeowner 's insurance, several times times. I have been told on the phone and by email that they would remove this forced and unnecessary insurance. Last month, so my payment would not be late, I went ahead and paid my mortgage plus the {$200.00}. This month, my mortgage payment is due and it still has the {$200.00} escrow fee on my account. 
I will attach/upload the email I received, saying that the lender placed insurance policy will be removed and a copy of my homeowner 's insurance that I have had and will continue to have. 
Desired Settlement :
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent my ID, SS card, utility bill, FTC Report, and a police report to Experian and XXXX to remove several inquiries that were created fraudulently. Both companies removed a few items but failed to follow the law and remove all of them. 

Experian failed to remove : XXXX XXXX - XXXX XXXX failed to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has made it impossible for me to freeze my credit. I created a new account, but when I log in I simply see a message that says " Identity Verification Failed : Failed safety check. '' TransUnion 's website provides no information about how to correct this problem. TransUnion 's website didn't ask me to do anything to verify my identity, so the issue must be due to some kind of automated check TransUnion runs out of site.

I have a right to a credit freeze, so TransUnion has an obligation to let me set one.
Product: Checking or savings account

Complaint number : XXXX. 
I am reopening my last complaint ( above ) against BofA. I am not satisfied with BofA 's response. 

CFPB closed my complaint just on the basis of BofA 's first response! CFPB never bothered to confirm with me if BofA actually resolved my complaint or not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Experian. I have previously complained of Experian 's illegal conduct under ID # XXXX XXXX ; XXXX ; and XXXX. This is my 3rd attempt to get Experian to publish my consumer report in accordance with federal laws. Experian has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. Experian has fraudulently reported on my consumer report without either my authorization or validation. Experian is in violation of my rights as a federally protected consumer.
Product: Bank account or service

I was expected to received a payment XXXX which was deposited on XXXX XXXX in which the funds were immediately available. I withdrew the funds and on XXXX XXXX the checks deposited began to bounce. I then found out there was a counter credit for XXXX {$1000.00}, XXXX XXXX checks with my name and fake signature attachted. The funds are no longer in my possession and I can not believe Bank Of America let the checks be deposited without checking signatures or placing any type of holds.
Product: Debt collection

Received a letter from XXXX XXXX XXXX, trying to collect an alleged debt. I have never heard of XXXX XXXX XXXX XXXX . I don't owe any alleged debt that they are trying to collect. In addition, their communication tactics are in flagrant violation of the Fair Debt Collection Practices Act, deceitful, hostile, and harassing.
Product: Vehicle loan or lease

I had a previous loan with Wells Fargo and I want to see if I qualify for the recent settlement
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I noticed potential fraudulent activity on my PayPal Account # XXXX. I believe the initial red flag was seeing a payment dispute that came in. I had not used the account in a while so it was odd to see a dispute. 

I notified PayPal immediately by chat and by calling them. I followed the steps given. Change my password and update security information. However, PayPal had already transferred money from my account. 

I then noticed an unauthorized withdrawal on XX/XX/XXXX to an unknown bank account. Information below. 

Funding Type : Bank Account Funding Source : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Funding Type : PayPal balance Funding Source : - {$330.00} USD - PayPal Account I reported the transaction to the community federal savings bank and requested they return the funds. I have not received those funds as of today XX/XX/XXXX. 

After this initial report to PayPal I continued to receive disputes and requests for refunds. PayPal began to charge me {$15.00} per dispute. I spoke with a representative on the phone that saw the communication history from me to PayPal. The representative then waived the dispute fees. However, the disputes and fees continued to come in. I reported again to PayPal and requested several times that my account be frozen or deleted to avoid any future issues. I was told the account could not be closed as there was an existing negative balance due to the ongoing {$15.00} per dispute being filed. Again, the disputes were due to a hacked account that I had notified PayPal of maybe a dozen times if not more. 

In XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX is a debt collector Reference # XXXX RE : PayPal Account XXXX attempting to collect the amount of {$400.00}. 

While compiling information for this report, I discovered an email on XX/XX/XXXX in my email account that was associated with PayPal at the time. The email says a trusted device was added to my PayPal account. This was not me or any authorized activity. Following after are a few emails requesting to verify small deposits made to XXXX XXXX XXXX XXXX ending in XXXX. I assume this was the unauthorized user gaining approval to link the bank account. What's odd, is these emails came in after the {$330.00} was already sent to XXXX XXXX XXXX XXXX ending in XXXX on XX/XX/XXXX. The email for amount verification came in on XX/XX/XXXX and then a reminder on XX/XX/XXXX. 

I'm hoping to catch the collections before it hits my credit report and regain lost funds.
Product: Credit reporting or other personal consumer reports

I sent a letter out in regards to the XXXX XXXX XXXX things I saw reporting on my credit report. Almost XXXX days later I still have not received a response and this is my XXXX attempt! This is causing me a great deal of XXXX & I feel like Im being taken advantage of. In Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives reason to immediately remove items from my credit report. I demand that these accounts are deleted immediately as I feel forced to file XXXX for the XXXX XXXX XXXX that this matter has caused me.
Product: Mortgage

XX/XX/XXXX, we submitted a loan modification to ditech only to get the run around for a year, I would call a least 6 times a month to get any updates, I was always told my modification was under review and or they need more information which I did provide. in XX/XX/XXXX I was told to resubmit a new modification which I did, how ever before I faxed the information I recieved a letter from them saying our modification was in review. Again I called every week to get the same answers it's under review. Finally in XX/XX/XXXX I received a denial letter. I called them and was told to do another modification because they where using out dated information, so I did only to find out they never did anything with my new information .Again was told to resubmit a modification in XX/XX/XXXX. I did again. I feel we are getting the short end of the stick with them .ditech send a reinstatement letter which I asked for on XX/XX/XXXX only to receive it on XX/XX/XXXX which only gave me 15 days. I need help with this. I have all documents that support this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries that are appearing on my Experian credit reprt and they have not been removed. I have filed an identity theft report, which I attached a copy here. After filing an Identity theft report, and placing a fraud alert on my credit reports, I am trying to have all fraudulent and erroneous information removed. I would like Experian to remove the following inquiries : -XXXX   on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX of XXXX  on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX XXXX XXXX on XX/XX/XXXX I would also like an updated copy of my credit report sent to my address on file once this information is removed.