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

I have made several attempts to contact someone in card services. I have been blocked from making many of the charges that are very serious and important to me. This charge was made by me in an attempt to see if my card was still blocked. As of XXXX XX/XX/2020 I was only permitted to make only 4 ATM withdrawals from my account. No one has been available to speak with me about this issue. The last time I spoke with someone was on XX/XX/2020. Who gave me no explanation as to why the hold was put on my account. 
I think it very seriously inconvenient for you to, without even an explanation, place a hold on my account. I never exceeded the limit on withdrawals, POS purchases, or teller withdrawals. 
I will be forwarding this email to every media and government, state office I can until I have received an explanation for the apparent lack of concern for me and my family 's well-being. 
I was just relieved of the stress this pandemic has placed on myself and the whole U.S, I expected much better treatment from the government than this. 

Sincerely, XXXX XXXX United States Citizen This is correspondence that I had with XXXX a Supervisor at card service representative of US Bank ReliaCard, on XX/XX/2020. After months without having the needed income to support my family. I finally received relief only to be again treated with disrespect. I was demeened and spoke to very harshly for no reason. When I advised the Supervisor that their procedures were unwarranted. He advised me that, ReliaCard had the right at their discretion to place blocks and hold on card accounts if and when they felt it was being abused by the cardholder. And they didn't have to give reason or explanation. 
I thought this to be very poor business practices and even worse customer service or support. At this time of poor economy in the world, why would someone have to be treated this way. I feel distraught over this situation and have very little hope in the future of the businesses.
Product: Credit card or prepaid card

I was taken advantage of by XXXX XXXX XXXX. I file a tax deferral form with XXXX XXXX and I usually file with them for free. Unfortunately, I couldnt find the free option and was heavily marketed to take a paid feature and I feel duped because I never received adequate customer service. In fact, I received better customer service for previous years that I used turbo tax free. I got the extension on XX/XX/XXXX, XXXX and paid XXXX XXXX XXXX {$240.00} for the price of filing and a deluxe package that included court legal dispute representation. The problem happened when I tried to execute my final filing for XXXX in both XXXX and XXXX of XXXX and XXXX XXXX XXXX had lost my filing info when I couldnt access it online or through dialing customer service. The card that I used was a debit card issued by Bethpage Federal Credit Union. I filled a complaint with them in XXXX of XXXX and was provisionally credited and that credit was rescinded after a formal investigation which resulted in a letter stating I asked for the credit over sixty days past my statement for XX/XX/XXXX from Bethpage FCU. My contention is that I didnt realize how unsuccessful this filing was until being denied the ability to complete said filing in both XXXX and XXXX of XXXX. XXXX XXXX was under FCC and FTC XXXX for fraudulent practices regarding pricing schemes and as a consumer I am requesting a total refund of the {$240.00} and I will file with a not for profit tax filing institution instead. I had a rough end of my year with XXXX XXXX so I have been reading my statements and pursuing rectification of any charges in my Bethpage FCU accounts. The charge was made on XX/XX/XXXX using my XXXX XXXX, and I think the card number is XXXX XXXX XXXX XXXX. I can provide proof of my Covid-19 infection from XXXX which left me with some foggy Covid-19 Post XXXX XXXX syndrome. In addition, I would like {$60.00} which represents XXXX transaction processing fees while my account was low on cash in both XXXX and XXXX of XXXX. Due to Covid-19 Foggy Brain syndrome, I mismanaged some of my bills and I think in this horrible pandemic Bethpage Federal Credit Union can assist me better. It is a great banking institution for someone with low income like myself. The debit card used was under my name which is XXXX XXXX XXXX XXXX and my cell phone number is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I previously made a request ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX  for removal of a tradeline from my XXXX report XXXX Well, I recently found that the tradeline still remains on my Experian and XXXX. This credit line was opened fraudulently, and needs to be fully removed from ALL credit bureaus. The lines are showing a delinquency which affects my credit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX,2020 XXXX XXXX Peroutka, Klima, & Peters, PA has filed suit against me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. 

XXXXXXXX XXXX XXXX with account # XXXX was deleted from my file. 
now it is being listed under SECURITY CREDIT SERVIC with an account # of XXXX. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. 

They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Product: Money transfer, virtual currency, or money service

I have had cash app for a long time. And I would get random charges that werent mine and every time I needed to file a complaint there was not actual person to talk to then when there was finally people available they were asking my social number and driver license and email pictures of my license and everything to verify I was a real person and it was my account. And when I deposit a check I wouldnt get the full amount or it would takes 4 days like no!
Product: Debt collection

I disputed this account under identity theft before. It was removed yet now reappears on my XXXX  report. Collections is dated XX/XX/2017 and now has damaged my credit score twice. This is against the Fair Crediting Act laws. I'm also a veteran and utilize the VA system as to avoid medical bills outside their jurisdiction. This is not my account as I also have a police report from XXXX Police Dept in XXXX, CO. Of a women using my personal identifiers after being arrested. She used my previous last name of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act .the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681 XXXX XXXX XXXX XXXXXXXX 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

XXXX XXXX, am a victim of XXXX XXXX, request removal and deletion of the listed fraudulent Inquiries on my credit report. XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> XXXX XXXX, Subject : Request for Investigation and Removal of Incorrect Information Dear XXXX XXXX, I am writing to dispute incorrect information on my credit report, as permitted by the Fair Credit Reporting Act ( FCRA ). The following items are inaccurate and are negatively affecting my credit score : XXXX  XXXX Late Payments {$1000.00} Account Number : last 4 digits XXXX / XXXX Reason : I request that the balance be removed because I informed them that I wasn't working due to health-related I had contacted them after XXXX I missed a payment, and they closed my account. When I was in the hospital recovering from major XXXX. I had never been late up to the date after having XXXX. 
XXXX XXXX XXXX Synchrony Bank : Hard Inquiries XXXX InquiryReason I had sent over the doctor information regarding my XXXX they still decided to close my account without having the information from my medical provider Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by the FCRA. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Vehicle loan or lease

I had an auto loan with XXXX XXXX XXXX  in XXXX. My mother was co signer on the loan. She died in XXXX. XXXX XXXX refused to send the car title at the end of the loan, saying that I owed numerous late fees in the amount of {$1000.00}. I disputed this. I dont know when, but XXXX XXXX was acquired by Wells Fargo XXXX I just found that out today. The whereabouts of the vehicle were always known to XXXX XXXX, I have maintained insurance on the car since Ive had it. They could have repossessed it at any time. The debt was charged off and sold to XXXX XXXX. The amount due is now {$3100.00}. I have tried to reason with XXXX in an effort to resolve this issue but they are insistent on trying to get the XXXX that I do not have. I have asked them to come and get the vehicle, I even volunteered to have it towed to them. They refused. I can not sell this car as I have no title. The jump from erroneous late fees of XXXX to XXXX is ridiculous and I am seeking a resolution to this problem. Can you help me?
Product: Money transfer, virtual currency, or money service

I would like to say is that this company wasted my time. I initiated a transfer on Monday and had to verify my identity through their third-party verification company. Then I received a confirmation/receipt that my transfer has been initiated. 

A few hours later I received an email stating my account is under review and that I have to upload my identity. I emailed them and told them that I have already uploaded my identity and I thought that everything was good to go. Even when I tried to log in to upload more documents the message states " We are checking your documents ''. 

The next day I received a call from a rep and she asked why I am sending the transfer to myself. I told her that I live in the XXXX also and need to send money to myself from my US account. The upload page was working now so I reuploaded my passport. 

Today, I woke up to an email saying my account and transaction is canceled. Wow! What a waste of time. They have already debited the funds from my bank account. They should have at least got my account approved before debiting my account. Now I have to wait to get my money back. 

I think they are earning interest on my money. Stay away from XXXX. They discriminate.
Product: Mortgage

Sun Trust Bank has placed forced flood insurance on my home. I already have flood insurance. The bank claims that my house is in flood zone AE and my insurance company says I am in zone X. I've been fighting with them for months and the took {$4400.00} out of my line of credit to buy insurance that I don't require. I talked to all of my neighbors and they only pay between {$800.00} to {$900.00} a year. This seems like a scam to me and I can't seem to get anywhere with them. I also filed a complaint with the FDIC about this matter, but have yet to hear back from them. I flied that complaint on XXXX XXXX, XXXX. 

Thank You XXXX XXXX XXXX
Product: Debt collection

LVNV is garnishing my wages and stated that I had been served on XX/XX/XXXX and that judgement on the account was on XX/XX/XXXX. My complaint ... oh there are many as this is NOT being handled well AT ALL. They are still not reporting payments made but I will not get into that at this time. In my previous complaint I had concern over the huge difference in amount and being charged interest ... their reply stated that the judgment stated they could charge 10 % from the date of judgment until the judgment was paid in full. So this tiny little balance of an alleged debt they can not show proof by contract or signature for has grown to almost {$1200.00} which has been paid via garnishment in XXXX through my pay. Why if judgement was made on XX/XX/XXXX did they wait until XXXX of XXXX to start garnishing my wages if not to just grow this 10 % interest. I checked my credit reports and my employer information has always been reported, there has never been any question as to where I worked. I also know they were aware of my last employer because they kept calling me AT WORK and threatening me with jail time and garnishment if I did not pay them in full right then and there which I did not believe and told them as much because again ... I NEVER GOT SERVED for this alleged debt. Oh I would have shown up and requested exactly what I have been all along ... proof and validation of debt by contract and my signature which they have not been able to provide. Now I have been told that my employer has to call them to get a pay off amount next week. Even they said in their 30 years of all sorts of garnishments coming out of paychecks, they have never had to call to get a pay off ... they have only ever had to pay the amount provided on the writ provided from the court. So again ... why is this different. I also have never been answered why they demanded my employer provide hem with my personal bank account name, routing and account number? This is very personal private information that was provided to someone I did not authorize. As a victim of identity theft already and still fighting my way through t all I am very protective of my personal information so this makes me very uncomfortable and do not understand why they would have the right to require this information or even need it since my employer is the one garnishing my wages and sending the money in check form.
Product: Checking or savings account

Citibank continues to hold my funds XXXX since XXXX. They are double charging my account for each debit card purchased and incorrectly managing my balance. I went into the branch on XX/XX/24 to speak with a manager located on XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to advise her that my account has been double charged for every debit transaction, there were XXXX separate transactions from different companies, {$9.00}, {$11.00}, {$24.00}, {$550.00}, that were being charged twice causing my account to be in the negative over a {$1000.00}. Also, that staring on XX/XX/24 my account balance has been wrong. I had a total balance of $ XXXX on XX/XX/24 then a check cleared for {$1200.00} on XX/XX/24 and my balance went negative from {$1700.00} to - {$13.00}. She called citibank services and advised them of the double billing and citibank said it was the merchants that are double charging. The branch manager said that it was not possible that every single merchant, that serval merchants and companies are incorrectly double charging my debit card that it had to be a mistake on citibanks end, that it wasn't XXXX transaction or XXXX company but several transactions from several different companies. Every debit transaction from different companies is still being double charge against my account/ even after notifying them of the mistakes and my account is still in the negative to this day XX/XX/24
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my Drivers History report, under the Fair Credit Reporting Act. I am requesting a copy of my Drivers History report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. 

Equifax is governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Not long ago they were giving out fake credit scores, and its been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. 

According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Equifax or any other agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. 

According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. 

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX- Act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX 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: Credit card or prepaid card

Hello, Basically I have two credit cards I got while in XXXX XXXX in order to pay for a living, and I recently just graduated from college and both credit cards are maxed out and no matter how many payments I make the principal never goes down. Now, I assume Capital One and XXXX borrowed the {$4500.00} ish from the federal reserve at about 2 % interest, well I pay well over 20 % interest every month. I honestly have no clue what goods or services I even bought using my credit cards, but most of the money I spend goes right back into Capital One and XXXX. If my interest rate was capped at 10 % I think I would be able to pay them off. 

I also signed up for these cards before I was legally allowed to buy alcohol. So the government knows a XXXX year old is too irresponsible to not XXXX and XXXX. However, an XXXX year old is responsible enough to sign up for a credit card with 20+ % interest in order to " build credit. ''
Product: Credit reporting or other personal consumer reports

I was contacted stating that my information was exposed during a data breach from the Credit Reporting Agencies. I begin to monitor my credit report. I recently noticed a list of credit inquiries I did not authorize nor did I request. Furnishing information to my credit profile without my written consent is in violation of 15 USC 1681B. I have not authorized any of these creditors access to my credit profile. The creditors include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not familiar with these companies.
Product: Debt collection

Meade Recovery Services LLC is trying to collect a debt that I believe I do not owe. 
They claimed I owed about {$150.00} and have not provided any proof of the debt. I have explained to them that I had dental insurance and the provider verified it would be paid 100 percent by the dental insurance carrier. 

They have retained at attorney and trying to force me into paying more than {$750.00}. I am not responsible for their attorney fees and I can not simply afford to pay {$750.00} for a medical bill
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've sent several requests to verify a debt that Americollect is trying to collect from me. I've requested specific information regarding the accounts they state are owed. In their last response to me, dated XX/XX/20, they state that they have provided a response to my request for validation of what they are reporting is in fact accurate and does belong to me. They also claim that my dispute was deemed " frivilous '' because there was not substantial change in information provided. This is an inaccurate statement, which I have attached copies of all letters sent as of today. As you can see in my letters, each one was different and requested different information based on different laws that are afforded to me as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Several accounts were deleted but XXXX  XXXX  just came back on my Experian credit report and also the inquires are still showing. I didnt not authorize or give anyone permission to open these accounts or apply for credit. This is affecting my ability to get a good job and take care of my family
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair act reporting act XXXX  account # XXXX. Has violated my rights. 

15 USC 1881 section 602 state I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also Stares a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Debt collection

I contacted the company to get information pertaining to the alleged debt. They sent me a debt validation which shows I owe a balance of {$150.00} to the school when I had student loans and financial aid. The debt is not owed. The first time the lady hung up on me. I called back and they do n't tell you there name and the person said they will not remove the debt and will still on my credit she does n't care what I say or do. Then she rudely hung up on me. I then went to the Indian a Secy of State to check them out and found they are not licensed or registered in the State of Indiana.