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

Hello my name is XXXX XXXX I had a prepaid card with the card. Com I request a refund balance on my now close card of {$30.00} which I close due to the request I asked them to mail me a new card to my new mailing address they told me I need to provide valid identification to get my balance I told them my license is expired. They don't want to send the balance to my new mail address but they send a bunch of paper to file a claim to my mailing address all I want is my money be sent my mailing address they can kept their card I am XXXX I do not afford a license for a XXXX dollars to get XXXX dollars back my license is expired I have already explain this to them it was XXXX dollars that was on my card due
Product: Credit reporting or other personal consumer reports

I have several closed accounts on my 3 credit bureaus and I would like them to be removed from my credit report.
Product: Checking or savings account

I use the atm machine locate at XXXX XXXX XXXX. XXXX XXXX, Ca XXXX. 

I made a cash deposit of XXXX. The machine show me a error message while my money was already deposit in machine. While processing it told show me a message money received or deposit. 
These I press print reciept. The machine printed out a blank receipt I called the bank and filed a claim they told the would credit my account within 1-3 business days This bank has Racial profile me and has not made a credit to my account Im being discriminated against because of gender race, color. 

I also asked for them to look at my bank records showing the history of deposit made. 

I would like to file a lawsuit or I just would like my money that I deposit in the account XXXX XXXX Email : XXXX XXXX
Product: Mortgage

In XX/XX/XXXX 2017, I received a letter from US Bank Home Mortgage concerning the cancellation of PMI on my primary residence. The loan-to-ratio value on my property was 76 %. According to the letter I received, I was required to get an appraisal on my home. I finally ordered the appraisal at the end of XX/XX/XXXX 2017.  The appraiser ( chosen by US Bank ) subsequently appraised my home for well under the purchase price, adjusting my loan-to-value ratio to a mere 86 % and thus the PMI was not cancelled. However, according to the Homeowners Protection Act of 1998, under AUTOMATIC TERMINATION, I quote " A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both 1 ) The principal balance of the mortgage is first scheduled to reach 78 percent ( my loan was at 76 % ) of the ORIGINAL VALUE of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan regardless of outstanding balance ) and 2 ) The borrower is current on mortgage payments. ( Which I am. ) There is also a clause one paragraph dow in the Act that states : There is no provision in the automatic-termination section of the act, as there is in the borrower-requested PMI cancellation section, that protects the lender against DECLINES IN PROPERTY VALUE or subordinate liens. My PMI should have  automatically been terminated in XX/XX/XXXX when the LTV reached 76 % which is below the 78 % Federal Law requirement. I should have never even been required to get an appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company XXXX XXXX XXXX XX/XX/2023 account number XXXX balance {$930.00} Company XXXX  XXXX XX/XX/2023 account XXXX balance {$280.00} Company XXXX XXXX XX/XX/2023 account XXXX balance {$380.00} Company XXXX XXXX  XXXX XX/XX/2023 account XXXX balance {$260.00} Company XXXX  XXXX XXXX  XXXX  XX/XX/2023 account XXXX balance {$280.00} Company XXXX XXXX XXXX XXXX XX/XX/2023 account XXXX balance {$14000.00} 15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account whiteout my written instructions. 15U.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 record 's of convictions of crime 's which antedates the report by More than seven years. 15U.S.C 1681 S-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 accurate.
Product: Payday loan, title loan, personal loan, or advance loan

I called Reprise twice about this issue on XX/XX/XXXX. The first person hung up on me after she could not explain why my current balance is XXXX. My balance on XX/XX/XXXX was XXXX after I made a principal only payment of XXXX. 

The second person tried to explain it but failed miserably. I understand this is a simple interest loan and therefore interest is added on a daily basis. First, he told me that interest was charged since my XXXX statement balance because I made a principal only payment. Then he told me that I made a payment on XX/XX/XXXX and the funds were not available from my bank. This was incorrect. The automatic payment was made from my checking account. The following day I received an email from Reprise that said since my account was paid ahead, I could apply the XX/XX/XXXX payment as a principal only payment. So I called and did that to reduce my principal balance. 

Their website has so much conflicting information about balances I just don't know what to believe.
Product: Checking or savings account

There is a company name XXXX  which provides tv services and internet services on the XXXX XXXX i live in Arizona and have lived there for XXXX  years. My internet and TV provider is XXXX. I advissd Chase Bank on several occasions that i did not authorize any transactions to XXXX. Their reply was that the transactions went through months ago. I tried to dispute all charges to them but was told that i can only dispute 3 months in which I did and after trying my hardest to get all charges reversed to no avail Ive become fed up and frustrated at this point. I have even paid {$30.00} to place a stop payment with this company. I also called XXXX and they agree they have no business with me. I am beyond frustrated and need resolution immediately. I am a truck driver and had almost a a {$100000.00} in the bank so some transactions may have gone unnoticed. Please help me I am beyond livid and as soon as i can i will close this Chase account and never do business with them again
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I have been using money to XXXX to send money to family members as well as to use daily with my bills. Today I got an email stating they will be terminated my account with the balance of {$580.00} in it and after I keep emailing them that this was my rent money I tried to transfer to my wife. No one has replied there is not way I can contact anyone by phone and I just would like my funds. I am very upset because I can not 180 days for my money as this is an inconvience to my life. The person whom sent me the reply and is now non responsive is XXXX. Customer service cant help at all when they freeze your account this has been the worst experience ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND Equifax are both reporting completely different filing dates, closing dates and court names for XXXX XXXX bankruptcy on my credit report. I have called to both of these companies to report this issue, but it has not been successful. They told me that the information was accurate and the information came from the courts, which I know my rights and know thats a lie. The courts DO NOT report or confirm these public records with the credit bureaus. I have asked for this public record to be removed from both bureaus due to the inaccuracies, but it has not yet been removed. These are inaccurate, in addition to, damaging my credit score further. These are the inaccuracies as follows : Filing date : XXXX XX/XX/XXXX Equifax- XX/XX/XXXX Closing date XXXX XXXX XX/XX/XXXX Equifax- Court name XXXX XXXX- US BKPT CT XXXX XXXX Equifax- FEDERAL 15 usc 1681n Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would love to see this issue resolved immediately please and thank you so very much.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account : XXXX XXXX XXXX, as per Report ID : XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraud inquiries, fraud account and account with fraud charges reporting late payments on my credit report and I have tried to work this out with Equifax for the past 2 years now and have provided them with a police report and all the other information they requested and per The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) inaccurate information is reporting on my credit report and Equifax has not taken action to correct those issues. 









Dispute Confirmation # : XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX XXXX/XXXX This is a fraudulent account, account opened by someone who stole my identity.
Account XXXX XXXX XXXX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) ( to ( equal 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 XXXX XXXX untair an deceptive, as they XXXX hor '' ) comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated.
Product: Debt collection

I submitted an debt validation request to XXXX XXXX XXXX on this debt in XX/XX/XXXX that was never answered. 

Instead, they have been contacting my relatives constantly over the past few months to get ahold of me, when they already have my contact information and know how to contact me. 

I spoke to XXXX XXXX on XX/XX/2020 and attempted to work out a Debt Payoff agreement. He said the client would only be willing to work with me if I provided the name of my employer, monthly household income, among other personal, irrelevant information. 

He also classified my account as pre-legal which he essentially characterized as them getting ready to sue me. 

I am trying to get more information on the nature of the debt which was never answered and hope to work with them to settle out what I owe, if anything. This agency harassing my family and asking for irrelevant personal information as a requisite to a payoff agreement is absolutely absurd and puts already vulnerable people at their mercy.
Product: Checking or savings account

My issue is with XXXX that since XXXX I have requested my records and noted verified that yes the account/ debtvdoes belong to me. However, my dispute is with XXXX that it as been 5 years as of XX/XX/XXXX that that you are still reporting Bank of America that was last reported XX/XX/XXXX. My question and complaint is why is it that XXXX not remove this record that is past the statue and if I'm not able to not send an explanation?
Product: Debt collection

I want to counterlaw suit this company called Midland credit.com Company in XXXX FL. Don't provided people with the right tools instead threatened with lawsuit and I don't like this company at all their attitudes XXXX
Product: Checking or savings account

Bank of america illegally opened an account in my name. I was a victim of identity theft from a large scale corporation. There was no way the account could have been opened other than the bank because none of the proper email authorizations were made by me.
Product: Credit card or prepaid card

On XX/XX/2020, I have received a prepaid debit card called the " XXXX Way2Go Prepaid Debit Card '' from the State of Florida due to applying for Reemployment Assistance funding. I did not like the nature of the prepaid debit card, so in the UI portal, I changed the direct deposit funding source from the prepaid card, to my credit union checking account. However, this merely redirected funding to the checking account. I have tried to close my prepaid debit card through calling the card provider using the phone number provided, but unintentionally incurred three balance inquiry charges between XX/XX/XXXX and XX/XX/2020 

I have tried to close my account through the online portal provided at " https : //www.goprogram.com '' only to not succeed. The phone number provided only provides me only automated service with no access to a customer service human representative. 

The entity at fault would be XXXX XX/XX/XXXX who is acting as the steward for the Way2Go card funds.
Product: Debt collection

I am formally submitting a complaint regarding incorrect billing for my procedure on XX/XX/year>. 

Upon reviewing my invoices, I noticed the cost of the XXXX XXXX XXXX XXXX XXXX procedure increased from {$4800.00} to {$5500.00}. Additionally, I was charged a {$250.00} deposit for the XXXX, when it should have been an add-on to the XXXX  package, not a separate charge. I had informed your team that I wanted both the XXXX  and XXXX, which should have been included as part of a combined package. 

Given these issues, I am requesting a refund of {$4500.00}, which includes {$3700.00} for the XXXX package and {$720.00} for the overcharge on the XXXX  procedure ( {$5500.00} - {$4800.00} ). 

Additionally, I spoke with XXXX from the billing department on XX/XX/year>, but she hung up when I requested written proof and a detailed billing statement. I have also sent a text to her at ( XXXX ) XXXX, but have received no response. I have not received any further communication via email or mail. 

I submitted a written letter in early XXXX, but have not received a resolution
Product: Credit reporting or other personal consumer reports

I reported that a collection agency, XXXX XXXX XXXX was reporting my information that was over 12 years. I dont recognize the values since it was closed nearly 12 years ago but under fair reporting, this should not even be listed.
Product: Checking or savings account

My XXXX XXXX ( via XXXX XXXX  ) has sent a {$600.00} payment to XXXXXXXX XXXX ( TCF Bank ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. XXXX XXXX has contacted TCF Bank several times and TCF claims no funds are being withheld. I have paid the {$600.00} to XXXX XXXX in my XXXX billing cycle. I have contacted XXXX XXXX  numerous times in which they claim the {$600.00} has been sent. Attached are two letters. One from XXXX XXXX stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.
Product: Checking or savings account

I have opened dispute with Chase regarding being scammed on XXXX. They did not ask me any proof although I repeatedly offered to provide it. They called me once at XXXX XXXX  knowing I'm on XXXX XXXX and did not leave any information I called back and the rep was unprofessional and had no idea what I received call about because " the other rep did not leave notes in the file '' and then few days later my claims were denied. I had no chance to provide proofs of being scammed over {$400.00} and chase provided zero service to recover and did not even try. This is absolutely absurd. Unfortunately this isn't even a first time. Not one claim I ever opened with them was approved.
Product: Credit card

Company : Citi ( Macys Store Card ) Product : Credit card Issue : Charged late fees endlessly when the company made it impossible to pay What happened : I got a Macys Store Card, which is issued by Citi Bank. In last XXXX, I purchased a product for around {$20.00}. I received an email reminder to pay the bill, and I logged into my account to pay it off. 

However, I tried many times over the next few months to make the payment through their website, and it never worked. After several attempts over the last few months, I realized it wasnt a technical glitch there was simply no option or button on their website that allowed me to pay. This issue continued for months. 

Even though I kept trying to pay, the company kept adding late fees every month. Now they are asking me to pay around {$170.00} in late fees, even though the only reason I couldnt pay was because their website wouldnt let me. 

This is absolutely unacceptable. Who gives them the right to keep charging customers extra money for something that was clearly their own fault?
Product: Debt collection

A company named Procollect contacted me about an electric bill to XXXX XXXX back in 2009. Not only was I not living in the state in 2009, I contacted XXXX XXXX and they have no record of me doing business with them in their system. This sounds like a fradulent debt to me. The debt even was placed on my credit report. I disputed the charges and the credit company promptly removed the charges from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried everything to resolve the issue from writing XXXX XXXX a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the XXXX at XXXX XXXX laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly XXXX to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way
Product: Credit reporting or other personal consumer reports

There are two hard inquiries on my credit report from Comenital Capital Bank. One from Ulta on XX/XX/XXXX and one from XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX, XXXX, I received a letter from SUNTRUST Bank that my repossessed car was going to auction in mid-XXXX. there are two problems with this : # 1 My car is not repossessed, and # 2 all my payments since opening the account with Suntrust have been paid ON TIME. I called Suntrust : the agent was very confused by this due to the outstanding status of my payment record. Finally, a supervisor stepped in, apologized, and informed me that someone had transposed the VIN # incorrectly and they would take care of it. 
On Sunday, XXXX XXXX, I was alerted via email that my EXCELLENT credit score was down 79 points due to the closure of my Suntrust Auto Loan account due to repossession! 
I called Suntrust again : again they were confused, and gave me a CASE # in order to resolve the devastating situation. 
As if all that is not bad enough, I went to my own bank to refinance the car as I want nothing more to do with Suntrust, and, although they approved the loan, the interest rate was higher due to the credit report of repossession. 

It needs to be noted that my credit report also shows the same auto load account OPEN in good standing! 
Suntrust has singlehandedly ruined my EXCELLENT credit score due to THEIR errors!
Product: Debt collection

15 U.S. Code 1681b-Permissible purposes of consumer reports. I never gave XXXX XXXX, XXXX, or XXXX any written consent to add this on my credit report. 
Jefferson Capital System # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$940.00} Jefferson Capital System # XXXX {$10000.00}
Product: Student loan

I applied for the XXXX program in XXXX, 2024. The application was canceled in error by Mohela. I noticed it and called, they resubmitted my application. I called 3 times over the next few months asking about the status, continually being told that it would be put as a priority to be processed. During this time, I also had to continually call and ask for my loans to be put into forbearance as they kept charging me for loans that were not the correct amount as my application had still not been processed. They told me that after 90 business days if it not being processed, I could follow another route to have it completed. Then the federal government put a halt on those applications being processed. I have continually needed to call to have payments taken off as not all my loans were properly put into forbearance. I currently still have interest accruing and I should not
Product: Credit reporting or other personal consumer reports

In XXXX I claimed a XXXX XXXX bankruptcy, Ive maintained my mortgage payment and even paid extra money towards principal payments. This loan was owned by XXXX XXXX who than sold to Midfirst Bank/ Midland Mortgage . Ive not missed any payments. My credit report is stating loan closed. Ive written letters and called countless time la to have this corrected. 
When I dispute through credit they say its correct? When I call the mortgage company they state they are reporting all payments.
Product: Credit card or prepaid card

I have been going back and forth with this company pertaining to a deposit of XXXX they blocked me from using my card and now suspended the card I asked can they send the funds back to the sender so I can have it sent to a different card they told me they would do it and havent done it yet and its been a whole year I showed proof of who I was I sent my business credentials I have not received any phone calls or email pertaining to this matter they basically kept my money suspended me from using the card and been giving my run around