23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Where as Scottrade in XXXX XXXX, NV did close my checking account without my being notified in any manner or form as to policy changes. This account is a typical brokerage account where funds are deposited and or swept into by sale of securities. On XX/XX/2013, I deposited a check from my Scottrade account into my local Bank checking account for personal reasons. These accounts are in good standing with more than adequate available funds. As a long term customer with both institutions, I am presently without reason being falsely accused and charged for this check and the incurred fees. I resent the rude manner in which I am being treated by Scottrade and demand the resolution of this issue.
Product: Mortgage

We did a refinance earlier this year ( 2021 ). Our original loan was with Homeside Financial and we were refinancing with Homeside Financial. So, it should have been as simple as any transaction could have been. After four scheduled closings and a series of corrected CDs we did sign closing papers with numbers that did match what we were told and expected. What we didnt expect is that Homeside decided to keep a large portion of our escrow balance. I was told prior to closing that the numbers were based on us getting our whole escrow balance refunded. Then after the closing I have spent hours and hours trying to get an explanation. The closest thing to an explanation that I have gotten is that Homeside was off by {$790.00} on the closing papers and they decided to make up the difference by keeping our escrow money.
Product: Debt collection

On XX/XX/2018, I called to Financial Credit Network collection company to address a collection account from XXXX XXXX   XXXX XXXX. 

So in the first contact, a representative said they will be able to remove the collection account from my credit report once the I pay the balance in full. 

So in a second call in the same day, I spoke with a different person and before making the payment she advised me they won't remove the collection account from my credit report because they tried to contact me in the pass in different times, I asked the reason why the company changed mind if in my first call the representative told me they will be able to remove it. I asked for more information about the account because that is not a fair tactic to collect a debt, I asked the date when the company sent an initial written notification about this debt because I never had the chance to dispute the account, and the representative recognized they sent an initial notice but, the USPS returned in different times. 

After all, I asked for a debt settlement, and they won't make a settlement they just want to collect the full balance used an abusive language just because I asked for a settlement.
Product: Credit reporting or other personal consumer reports

For several months, I have been attempting to communicate with TransUnion, Experian, and Equifax regarding ongoing issues. Despite spending over {$60.00} on postage alone, I have yet to receive any response. When I try calling, I am met with an automated system that provides no resolution or direct access to a representative. At this point, I am considering legal action to address this lack of responsiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to provide false score on my report. The didn't exercise grave responsibility, have been unfair, partial, and didn't respect my rights to privacy. Lastly, they didn't have my consent to report anything. I demand that all negative items be deleted from my equifax report.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : Account # XXXX XXXX After your investigation the account still is reporting late for XX/XX/year>. However I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XX/XX/year>. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.
Product: Money transfer, virtual currency, or money service

Hello CFPB, I am XXXX XXXX and I am writing this complaint against " PayPal Inc '' since they permanently limited my PayPal account without any further notice. I have my PayPal account registered under : XXXX I remember having a temporary limitation on my PayPal account back then and I was being asked to submit info to have the limitation resolve but when I speak to one of the Support Agents from PayPal, he deliberately said that the document I submitted is invalid, and I was left speechless as I was not able to prove my identity as I was on the other side of the call. 

Coming today, I was being placed with a Permanent Limitation stating that I can no longer do business with PayPal as there are potential risks involved, and to be honest I dont know what sort of risks are involved. However, Since I am also a human being and mistakes always happens from human being, it was never my intention to do something that is against the policies of PayPal and I can assure them this will never happen again! 

I am attaching my " Passport '' for better understanding of PayPal and to review the limitation again for me and I will be more than appreciatable to have this limitation uplifted for me as there is amounted balance in my PayPal. 

Thanks!
Product: Credit reporting

Personal loan that was removed was converted fraudulently to educational loan so they reinserted it onto my credit report. The dates, amounts and historical info are wrong
Product: Credit card or prepaid card

I have a few accounts with Synchrony and my Walmart card, amazon card, 76 cars and a few other accounts without notice have had my credit limit decreased for no resin at all. I have made my payments on my accounts and they did this. 
I 'm dealing with my husband since he is severely sick with XXXX XXXX XXXX computer and this has put additional stress on me when I have tried my hardest to keep all my accounts current.
Product: Debt collection

account numberXXXX account balance : {$190.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Capital one credit card company. I have multiple fraudulent charges on this account. I have already submitted a fraud complaint with the company and I have only had this account open for three months with multiple fraudulent charges and first report to my credit report was a late payment. This is very similar to my XXXX  XXXX account. Also the mailing address for the payment receipt is addressed somewhere that is not listed by capital one. Also more XXXX charges and duplicate charges. Most recently is a XXXX dollar XXXX charge on XX/XX/XXXX for an auto payment. This was wrong amount on the wrong day. XXXX XXXX has no record of this charge and are investigating as well.
Product: Credit reporting or other personal consumer reports

Someone tried to open an account in my name at synchrony back Sams credit card. So now I have a hard inquiry on my credit report
Product: Money transfer, virtual currency, or money service

At the midnight of XX/XX/2023. My two accounts, both Chase and XXXX initiated XXXX payments of {$2000.00} and {$1500.00} respectively to a person named XXXX XXXX. I did not authorize this transaction and I asked the bank to reverse both transactions for me. Chase told me they conducted research and found the transaction was valid and therefore refused my claim. I do not agree with the conclusion and I want to fight for myself.
Product: Checking or savings account

On XX/XX/year>, I discovered that Truist Bank had frozen my account containing {$78000.00} without prior notice or explanation. I immediately contacted customer service to inquire about the freeze, but they did not provide a clear reason or timeline for when my funds would be available. 

On XX/XX/year>, I called Truist customer service again and was told I could visit the branch at XXXX XXXX XXXX, XXXX, TX XXXX, to pick up a check for my full balance. However, when I arrived at the branch, Truist representatives denied making that statement, accused me of lying, and stated that I may not receive my money for months.

I have repeatedly requested a written explanation from Truist regarding the account freeze, but they have refused to provide any documentation. This lack of transparency has caused significant financial hardship, as I can not access my own funds.

I am requesting : Immediate release of my {$78000.00} or a clear, written explanation from Truist regarding the freeze.

A specific timeline for when my funds will be available. 
Truists handling of this matter is unfair and deceptive, and I am filing this complaint to ensure my funds are returned promptly.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX GOLDKEY CRED  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLDKEY CRED  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

This company ERC has repeatedly violated my rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial and XXXX XXXX. For starters, they're reporting erroneous & unverifiable collection account to all credit bureaus in which I've asked for proof of claim and they continue to send me bills. This negative was deleted off of my credit report last year and it reappeared this XX/XX/2019. I am aware of the many complaints against this company thus far and yet they're still in business.
Product: Debt collection

Accounts Receivable ( XXXX ) has sent me communication regarding a debt that is not owed to XXXX ( XXXX ). I retained legal representation and the creditor ( XXXX ) and Accounts Receivable were sent a cease and desist from Attorney XXXX. I want Accounts Receivable to no longer contact me by any and/or ALL communication tactics. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was transferred from XXXX XXXX to SPS in XXXX XXXX. Due to unforeseen circumstances, I requested a deferral for the months of XXXX - XX/XX/XXXX, with the first payment set for XX/XX/XXXX on automatic draft. This request was fulfilled and I was informed by the agent that I would not have a late fee reported for the months of XXXX, but yet I had a late fee reported to the credit bureau. This late report with a new mortgage company is impacting my ability to refinance my primary mortgage and consolidate my loans/bills. It is also impacting my FICO credit score of which I am working diligently to improve. 

I would like the report removed and a letter in writing from the company so that I can continue to repair my credit and improve my score.
Product: Payday loan, title loan, or personal loan

Pretty there is someone out there using capital 1 to scam people that have applied for personal loans. I got a text that started like this. 

Dear customer We are happy to inform you that CapitalOne has approved your loan. 

Loan Approval ID - XXXX Loan upto {$8000.00} Period upto 48 months If youre still looking for loan so reply YES or CALL on ( XXXX ) XXXX Thanks & Regards, XXXX XXXX Loan Manager. 


They would proceed to send 900 to my bank. Then asked for it back in target gift card to confirm my bank. Then I sent them the gift cards and 2 days later the amount that went into my bank bounced. They would proceed to apologize and say that was in error by accounting. Deposit a larger amount and ask me to send them the difference. I knew something was up then and had my bank stop all transactions and they are looking into it. This is the persons phone # ( XXXX ) XXXX and they will pose as a loan person from capital one every time they pick up. I asked for a contact manager and they said it was XXXX XXXX phone # ( XXXX ) XXXX. XXXX in accounting department in finance. Email is XXXX. I called that number and that person picks up stating they are a capital one manager. Please investigate this or if there have been other reports like this and let me know. If you need my bank to get copies of the payment that went in or the target gift card details I would be more than happy to provide.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and living on a fixed income of my monthly social security benefits. My wife passed away last year and I contacted Kohls in XXXX of 2022 to ask to lower my interest rate on my outstanding Kohls card balance. They would not lower my interest rate and I've been making the minimum monthly payment of {$42.00} per month but with the 30.74 % interest rate the monthly interest charge is {$30.00}. At this rate I have been unable to lower my principal balance at all and I will never be able to pay off this balance.I have been paying this minimum monthly balance for many years so the company has made significant money from my interest payments. 

I called Kohls again on Saturday XX/XX/XXXX and asked to have my interest rate lowered so I could keep paying on this account. Now that my wife passed away and I don't not have her social security payments my only option is to defualt on this account if I can not get an interest free arrangement. I feel this is financial elder abuse and I have tried to resolve it myself and I need help!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of a late payment by this creditor to TransUnion. Their records incorrectly show a payment as late, even though it was made on time. This false information remains on my credit report, unfairly damaging my credit score and financial standing.
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 finucuql protection act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the electronic fraud transfers act and regulation E. There acts have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Money transfers

I made a wire transfer from a US Bank of America account to a XXXX account for my son and daughter in law. The amount of the US dollar transfer was {$18000.00} ( which is a lot of money to them ). The amount that was credited to their account was {$16000.00}. 
I went to my local branch at BofA and spoke to the manager regarding the transfer. I was told that I made the transfer in XXXX ... the exchange rate was COMPLETELY unfair {$1.00} = XXXX I was unaware that this exchange rate was well below the typical rate in XXXX {$1.00} = XXXX ... XXXX ( I found this out afterwards ) This transaction of exchange cost over {$1300.00} and the overall charges exceeded 7 % of the total sent. 
This seems to be sooooooo unfair and in all honesty taking advantage of a naive consumer. It really gives banks a bad name. Where did that money go? 
I am hoping that you can help rectify this situation as my hands are tied. 
Please review my case and advise if their is any hope that we can receive some money back? 
I will be happy to give any additional information needed. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
. Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX I request XXXX XXXX XXXX XXXX supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Product: Credit reporting or other personal consumer reports

XXXX is on my credit report due to identity theft they also exposed my identity and information in a security breach
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express settled this account and agreed to remove all negative information. 
I believe its over 7 years old and XXXX still shows negative history and can't seem to update their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WRITTEN EQUIFAX AND I HAVE WRITTEN XXXX, NO HELP WHAT SO EVER.. ITS SAD BUT THE BUREAU 'S AND THE BANKS HAVE TOO MUCH POWER,, WAY TO HARD TO CORRECT REPORTING MY WIFE AND I ONLY WANT TO BUY A SMALL HOUSE FOR THE FAMILY
Product: Debt collection

Today XX/XX/18, I received the attached notice ( Wage Garnishment Notice ) letter from the Law Firm ( XXXX XXXX XXXXXXXX XXXX ) representing a Collection Agency ( XXXX XXXX ) regarding a debt owed to one of my creditor ( XXXX XXXX ) for an erroneous amount of {$2800.00}. 
On XX/XX/18, I contacted the Law Firm- XXXX XXXX XXXX and spoke with a Mr. XXXX XXXX XXXX XXXX, and explained that I did not owe the requested amount of {$2400.00} ( at that time ) to XXXX XXXX and please provide documentation to support the charges. I was told by Mr. XXXX, that the Law Firm would return the debt to the Collection Agency for  validation and to call back in a week. On XX/XX/18, I called back but was not able to speak with Mr. XXXX, so I left a voice mail message asking to return my call at XXXX, regarding the current dispute with Midland on behalf of XXXX XXXX. I never heard from MrXXXX XXXX at that time. 
On XX/XX/18, I called again and spoke with Mr. XXXX and asked him why didn't he return my call, because I would really like to settle this debt. I was told that he had a note in the file that say " do not call me '' and was honoring that agreement. I said, but when we last spoke and you asked if you could call me back and I gave you my number. He then preceded to tell me he had not heard back from the Midland/XXXX XXXX, give it a couple more weeks. Wow! 
On XX/XX/18 ( Four months later ), I received this notice to garnished my wages. How is this possible, when I have repeatedly disputed this debt with with this Law firm? 

Please help stop this kind of Injustice, to the consumer. I have been trying to work with all my creditors a and have been successful, unless they are like thisLaw Firm. 

I would like them to cease and desist collection matters on this account!