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

On XX/XX/2024 A credit card payoff was made on my behalf to Barclays Card US in the amount of {$11000.00}. By XX/XX/2024 The payment had not been posted. I contacted Barclay customer service and was informed the payment was never received. I then contacted XXXX XXXX, the party responsible for making the payment ( after a cashback refinance ) and after a little research learned the check had cleared on XXXX and was given a copy of the cancelled check. I called Barclays again with this new information, furnished them with the checks routing number, account number, and check number. I was informed that Barclays assigned a case number to my claim and would investigate but it would take anywhere from 10-30 days for resolution. In follow up messages to Barclays, they now claim it coild be 2-3 billing cycles before this issue could be resolved. This is totally unacceptable in light of the evidence presented to them directly which totally substantiates the claim of the payoff made
Product: Student loan

XX/XX/XXXX  - Scheduled payment to pay {$100.00} to Nelnet to pay my loans for the month. I had sufficient funds so I was not worried that the payment would not go through. 

XX/XX/2023 - My billing statement becomes available so I check my account to pay it early for an additional {$100.00} for the month only to figure out that XXXX 's payment did not go through. I schedule to pay XXXX and XXXX ( approximately $ XXXX {$210.00} ) off in one shot with sufficient funds for this and wait until XXXX. I then attempted to contact them through their portal with my information and issue using https : //nelnet.com/nelnetforms/emailus. 

XX/XX/XXXX   - In the morning, it was found on Nelnet that my payment went through and it says my next payment is due on XX/XX/! The amount seems as though it was not applied to the loan though. I went to check my XXXX  XXXX XXXX checking account to see if the funds have been pulled, but no hold and no funds have been pulled yet. I assume it would take a little bit to reflect in both the loan and checking account until the evening. 

XX/XX/2023 - At XXXX, I check my bank account to see if anything had happened yet, but nothing. I then look to see if my scheduled payment is there and the scheduled payment is gone and there's nothing proving I even had a scheduled payment except for confirmation emails of when I scheduled them. Now my loan reverted and says my next payment is due on XX/XX/XXXX  again. 

Today is XX/XX/, and still no response to my email or what is going on. I guess a huge issue is that the scheduled payment is being cancelled and Nelnet sends me emails regarding scheduled payment confirmations, billing statements, and everything EXCEPT the fact that my payment got cancelled which led to me being delinquent on a payment. How come everything comes through email except such an important thing? It seems like predatory practice as it seems I am not the only one having this issue per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act FRANKLIN Collections SV 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

I received an NFT in my Coinbase wallet. The NFT invited me to register in an XXXX to receive {$50000.00} that I have apparently won. After clicking the registration link, the funds in my account were transferred out of the wallet roughly XXXX XXXX This is the link : XXXX XXXX XXXX  The attachment has all details with screenshots and addresses to where my crypto was shifted. 

I complained to Coinbase as they should be responsible on any fraud or phishing scams published to their customers on their wallet as part of basic security. They refused to take accountability or help recover the funds.
Product: Credit reporting or other personal consumer reports

I have a late payment entry on my credit report for the XXXX XXXX  loan accounts [ XXXX ]. The entry in question reflects a XXXX late payment for the month of [ XXXX ]. I believe this to be an error, as my previous month 's payment ( for [ Previous XXXX ] ) was reported as " current, '' .As of XX/XX/year>, I was fully up to date on my payments. It is unclear to me how the 90-day late status has been assigned to my account without the appropriate 30 or 60-day late statuses reflecting the same delay. A 90-day late payment is a significant issue and does not accurately reflect my payment history.
Product: Debt collection

XXXX sent an account to collections. Then the account went to a collection agency. I called XXXX to settle the account and XXXX told me to call the collection agency- XXXX   XXXX. I called XXXX XXXX and a representative told me that they no longer had the account and to call XXXX back. I then called XXXX to verify address. I mailed a settlement letter to XXXX on XX/XX/XXXX, in which XXXX accepted the {$550.00} & terms on XX/XX/XXXX. I have the letter and the cashed check from XXXX. The new collection agency is Diversified. Since XXXX accepted the terms in the Settlement letter - I no longer owe XXXX or any collection agency any money. If XXXX did not accept the terms of the settlement then they should not have cashed my check.
Product: Money transfer, virtual currency, or money service

A seller contacted me to sell me tickets on XXXX for a concert, provided me with proof of purchase, an email confirmation of the tickets. I purchased tickets for a XXXX XXXX concert in XXXX, New York on XX/XX/XXXX for {$200.00}. I sent the recipient money to his girlfriend 's account through XXXX Zelle through my XXXX XXXX. The seller said he was sending me the tickets and then blocked me on XXXX and I lost all contact with the seller, never receiving the tickets. I called XXXX XXXX and they told me that there was nothing they could do since the money had already been delivered, however, it was still pending in my account.
Product: Credit card or prepaid card

From XX/XX/2019 til the present Capital One has been charging me fees and interest for purchases as a cash advance. I have spoken to two supervisors and each has conflicting answers and solutions. My credit limit if {$1400.00} and in that amount there is a cash advance allowed for {$400.00}. If I try to exceed the limit I get a denied transaction. SO I do I end up with a {$1400.00} cash advance on my credit card when I haven't gotten that much. I have purchased items from merchants and these transaction have been converted to cash advances instead of credit card purchase transactions. I was told today by a supervisor that merchants can send in code if they so choose to and change purchases to cash advances and I have to pay as such. No way! A purchase is a purchase and cash advance is a cash advance that is why they have different penalties and fees attached to them. The supervisor said that it was up to me to contact these merchants and tell them to bill correctly. Whaaat. Are you kidding me. I have attempt to do a credit card companies job in merchant regulations on billing criteria. I asked again today please go back and separate my purchases and cash advances, which are obvious on my statements transaction history. They say ATM and the others transactions list stores that I bought actual items from and did not receive money back in those purchases. If get denied for over the limit attempts how in the world was a merchant able to override my cash advance limit upto {$1000.00} over.
Product: Credit card

I signed up for the Capital One XXXX XXXX back in XX/XX/XXXX because I had a trip coming up in XXXX and wanted to take advantage of this credit. My only condition when browsing through credit cards was for it to have a 0 % APR intro offer of 12 months or more. After carefully reviewing multiple cards, I decide to go with the venture one card since they were offering a nice sign up bonus along with 0 % XXXX for the first 15 months & I already had and have been a loyal capital one customer for some time. I did not use the card much on the first months since I wanted to utilize it for my trip. I came back and was charged an interest rate of {$140.00} for XXXX which I thought was very strange considering I shouldn't have any interest until XX/XX/XXXX. 

I called Capital One to try and get it resolved but both the customer representative and manager I spoke to were very rude and unwilling to help. XXXX ( XXXX ) XXXX XXXX  ( XXXX ). I was told that they did not have my signed contract and could not retrieve it but that the terms for my card state a 19 % APR. I have a screenshot of when I signed up for the card showing I would receive the intro offer of 0 % APR and they did not care and continued to tell me it isn't the terms. I even logged in to their website and that same card still has that offer. 

I am not sure what happened but I do know that when I applied for the credit card I was offered 0 % interest for 15 months and now months later after using the card, that promo offer is " magically '' gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was the victim of a data breach on XX/XX/XXXX. On XX/XX/XXXX, it was reported to the general public. Equifax reported that my information, including my Social Security number, birth date, prior addresses and drivers license number, was likely stolen on their website. They are obligated to protect my information from improper use and should not be divulging my information without consent. I feel that Equifax has used my report and personal information improperly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Equifax credit report and identified these unauthorized credit inquiries. I contacted each of these financial institutions and they were not able to provide me any information in regards to where the inquiries came from or who submitted them and directed me to contact equifax. I contacted equifax and they told me that I would need to contact the CFPB in regards to these inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I used to have credit card with XXXX XXXX XXXX.but the interest was very hight and I filed for bankrupt, but they said their dept was not included, I started to pay them, but any time I made a payment, the amount did not reduce, I called them they said the money goes to the interest. Then I stopped.
Product: Credit reporting or other personal consumer reports

I received an alert that I was put into collections. Upon further review and investigation, I realized that I was a victim of Identity Theft. Someone applied for an apartment in Texas under my name. I have lived in New Jersey for my entire life and never have done any transactions in Texas. According to Genesis, the application was put in at XXXX XXXX XXXX.
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. 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 c
onsumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following Fraudulent hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

I then got a notice that PayPal is requesting for my verification details I gladly provided the files required and all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned, I feel this was not fair on my
part as I can not have control over how other people use their PayPal accounts I just really want my account back
Product: Credit reporting or other personal consumer reports

I discovered that I was a victim of identity theft, multiple credit cards and loans were taken out in my name by changing my personal information and utilizing my social security number. I noticed Sofi bank visa card account showing on my credit report, it does not belong to me so I immediately filed a report on identiytheft.gov and sent a copy of the report to the credit reporting agencies and the original creditor. The card account came off my credit report for over a year, it recently showed up again. I contacted the credit agencies and Sofi bank directly, they have not responded to my requests and have not removed the incorrect information.
Product: Student loan

I am currently on the XXXX XXXX, and I am in forbearance. Under this plan I should not be accruing interest in forebearance ; however Aidvantage keeps charging me interest. As of XX/XX/year> they have charged {$1900.00} to my account. I need to get that interest removed but Aidvantage refuses to provide help or information due to the situation in the courts. What can I do to get the interest removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

is not responsible for any medical bills have had medicaide since 2008!
Product: Debt collection

I did a loan from a company call koalafi I took out a loan alone had a term for six months which I had to pay or they would make me pay extra {$6000.00} on a loan that was for {$2000.00}. When I tried to pay I couldn't access my portal to make payments, they would do this attempt to stall me so I couldn't pay off And then they charge me extra. I reported them to the XXXX XXXX XXXX  They stop sending me notices and then they started again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT /ACCOUNTS SUBMITTED/OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Product: Credit card or prepaid card

I purchased an item from Neiman Marcus online back in XX/XX/XXXX. The item was over {$100.00} and was scheduled to be delivered via XXXX. Unfortunately, the item was lost and I contacted the company, telling them the problem. They investigated and determine the item was lost and refunded the item I was charged ( available in my billing statement ). Now, looking over my statement ( XX/XX/XXXX ), the charge that was refunded to me back in XXXX was charged on my account again. An item I didn't receive and was determined lost by Neiman Marcus. I called the company and they gave a story on how they refunded me an item that I was never charged, which is false because I have a statement showing that I was charged for the purchase, but refunded due to it being lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX and XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting

Equifax has an item listed on my account from XXXX. They are saying I owe XXXX XXXX money. This is not true. I have not lived at XXXX XXXX for almost a year. When I lived there, I always paid my rent on time. I stayed through the term of my lease, and gave notice I was moving out. I do not owe them any money, and they never refunded my security deposit. I want this item removed from my credit report, and I want my security deposit refunded.
Product: Credit card

Capital one credit opened Account number - XX/XX/XXXX Credit of XXXX $ was found fraudelant and I was not help accountable XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXX/XX/XXXX Ss # XXXX Account XXXX Case number XXXX
Product: Mortgage

Truist has a bi-weekly payment schedule option. They inappropriately hold the funds in a suspense account until the end of the month before applying the payments to the mortgage. When contacted, they were unhelpful and refused to apply the payments upon receipt. 

This process adds years on to the mortgage and overcharges mortgage holders with them.
Product: Checking or savings account

on the XX/XX/2018. I deposited a check from my employer " XXXX XXXX XXXX XXXX '' for the amount of {$700.00}. there was a hold placed on my check for a period that exceeded 5 business days. i was negative in my account when i initialize the deposited in my account. so i had no funds to continue this new job i started. and the end result to that check was a much greater negative balance, and loosing my employer due to funds for transportation. so since i lost my employer and cant pay my bills an they added fees for insufficient funds i want to file a complaint.
Product: Debt collection

From the proof that was sent back it was false, also states a {$3300.00} termination fee. On that same paper it states that notice was given XX/XX/year>. {$1500.00} is being charged for XX/XX/year>. But lease was over and tenant was moved out. 

This is false documents 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|
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Debt collection

Portfolio Recovery Associates has been reporting the account as Unpaid up to the date with an open balance of {$490.00}, I created disputes thru XXXX and XXXX on XX/XX/XXXX, both disputes were declined and marked as completed saying the unpaid balance is accurate, I was advised to contact the company, which I did on XX/XX/XXXX and XX/XX/XXXX, I was told by the agents that my account was not being report to the Credit Entities and the original creditor might be reporting it ( XXXX XXXX XXXX XXXX XXXX XXXX, they also provided me with the letter about my account being already settled and showing a {$0.00} balance thru email, because the physical letter was sent to me in XXXX, I also inquired with XXXX about the reporting entity, they confirmed the reporting part was Portfolio recovery associates. the debt was settled and paid on XX/XX/XXXX, the letter about the settlement being paid is dated as XX/XX/XXXX but in XXXX, the copy sent to my email in XXXX is dated as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with XXXX XXXX in the amount of {$2100.00} which was 40 % of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted XXXX XXXX and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can NOT furnish a account without my written instructions