23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lived in at this apartment on XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXXXXXX XXXX  ) from XXXX XXXX to XXXX XXXX XXXX on XXXX XXXX when I received my renewal, I didnt sign the renewal because the apartment price was too high, on XX/XX/XXXX, I gave them notice that I m living the apartment on XXXX XXXX which I did. I clean up the apartment, the carpet, sink, and bathroom. I paid all my bills my balance was XXXX when I left. I had {$99.00} deposit, even though I gave them my new address, they never ever contacted me about my deposit until today XX/XX/XXXX a collection company call me let me know they send my to credit report for the amount of {$370.00}. According to the agency they charge me {$170.00} for not give them notice, {$150.00} for left over and {$160.00} for utilities bill. I need help please because all these are lies and made up. They need to show me pictures of trash and mess in the apartment, receipt for the cleaning, which I did clean up the apartment, I gave 2 months notice why charge me? My phone number is XXXX
Product: Debt collection

XXXX XXXX continues to call our law firm asking about one of our clients. We do not talk to strangers about whether a person is a client at our firm or not. She tells us we are being recorded even though we say we do not consent to being recorded and as Florida is a state that requires consent they are breaking the law by doing this. We have asked them not to call but they continue to do so. They are very rude. I called the number back and asked them to stop calling and was met with rudeness there also, when I told them I would file a complaint they laughed. Receivable Management Services XXXX XXXX XXXX
Product: Checking or savings account

The account was closed on or about XX/XX/23. I received a statement for XXXX charging me {$10.00} for a low balance.
Product: Debt collection

When I pulled my consumer report, I seen that Enhanced Recovery Company reported an account for the amount of {$170.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never entered into a contract agreement with this organization and I challenge Enhanced Recovery Company to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.
Product: Credit reporting or other personal consumer reports

I currently have my direct deposit sent to XXXX XXXX  out of California I get government benefits I have have a checking account and a credit builder account chrime advertising this credit builder they reported 2 months and stop they said it the credit bureaus not reporting my payment XXXX XXXX tranunion not reporting I don't understand whst is going on I talk to all these companies and they giving me the run around and I dealing with major health issues XXXX XXXX  and other major issues and. Me tying to fix my credit is stressful
Product: Checking or savings account

Hoping that someone can help me get a resolution because all parties are pointing to each other as the " person '' who should help. 

In XX/XX/XXXX- a levy was placed on my Chase Bank account by the attorneys for XXXX XXXX. The account contained approximately {$390.00}. 

In XX/XX/XXXX- The debt was paid in full to the attorneys, In XX/XX/XXXX- the attorneys filed a Warrant of Satisfaction with the Courts. But the hold on the account was never released. The contacted the attorneys who said that the " ball '' was in the Court 's and Chase 's " court ''. 

In XX/XX/XXXX- I contacted XXXX XXXX, court officer, to explain the issue advising that the attorney told me that the court would need to send something to Chase letting them know that the debt was satisfied. Never heard back. 

I then suffered the loss of my husband and three family members due to XXXX and a near death experience requiring me to be hospitalized for several weeks. 

In XX/XX/XXXX, I contacted Chase and was told that the courts never sent them anything and that if I could get a copy of the warrant of satisfaction, my account would be released within two to three days. I contacted the court, got a copy of the warrant and faxed it over. I called a few times and was told once that it takes two to three days, and another time that it could take a few weeks. No one told me that the document was insufficient. 

In XX/XX/XXXX, I reached out again and was told that the Chase rep I spoke to in XX/XX/XXXX was mistaken and that the document I sent them was not enough to get the account released because it was not addressed specifically to Chase. They suggested that I contact the attorney. 

The attorney suggested I contact the court. The court said that what they supplied was enough and I should contact the bank. I filed a complaint with Chase and was told by letter that " they will require either a court order signed by the judge, or a release letter from the court officer to release the hold on the account. To try to reach an agreement or settlement to have the hold removed, you can contact the Court Officer XXXX XXXX... .. '' The letter then advised that the information I provided to them is addressed to the Clerk of the Court , which is why they can not accept it as a valid release. 

Meanwhile, my account has been charged with $ 12 monthly service fees for a situation that is not my fault. I just want the account closed at this point, but everyone is passing the buck. I'm not sure why I'm doing all the legwork- when no legwork was required from me when the lien was placed. 

I'm hoping that the CFPB can assist. If for no other reason, as a means to get Chase to review their policies and to better train their representatives on how to explain processes.
Product: Credit card or prepaid card

This is my 2nd or 3rd complaint regarding Capital One Card Services. Both my cards receive fees from the interest which I know that I have to pay there is no problem with that. The problem arises when it is reported as an over the limit fee. The fees that Capital One places on my cards makes my cards go over the limit. Then report the overlimit fees to XXXX, XXXX, and XXXX as if it were my fault that I used my card and it went over the limit. 

Not only that, but my credit score goes down. The first time XXXX points. The second time XXXX points because of this! I would like for Capital One card services to rectify the situation and restore my credit score to were it was with the XXXX points!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX  XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX  XXXX.
Product: Credit card or prepaid card

I enrolled for a payment plan with discover after they failed to inform me that my payment was returned by a bank account that was close. The automatic payment that discover set up was XXXX dollars and the payment was made on XX/XX/XXXX,  which was the due date. Discover failed to mention that this payment plan would not cover the full past due balance. On XX/XX/XXXX they reported a 30 day late payment. When I signed up for the payment plan they did not mention anywhere on the plan that the past due balance would not be cover and that I would have to make an additional payment. If i was aware of this I would have made the full payment on my own. I signed up for the automatic payment so I would not have to worry about being unware of a late payment again. 
I called discover explaining this to them and they said there was nothing they could do. I even said that I would make the missing portion of the automatic payment now and they stillsaid that there was nothing that could be done about the inaccurate reporting. I am reporting in hopes that you can remove the 30 days late as I was clearly unaware that the automatic payment would not cover the full past due balance. 

XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX NY XXXX social security XXXX
Product: Credit card or prepaid card

I bought a {$40.00} gift card with Vanilla Visa gift card. For my daughter 's up coming wedding. I bought it in XX/XX/2022. I try to check it yesterday and it wouldn't take my card number. So I left it til I could get it fixed, I went online, this time my number worked. Said I had a charge yesterday to a XXXX? Of XXXX leaving XXXX cents on my balance. It took me forever to get a hold of anyone to see what happened. I was told that it would take about 90 days for an investigation for fraud. I want this company to be reported for fraud. I believe it is on their side. I believe that they think that the amount of time it takes to refund the money if it proves fraudulent takes too long to get the refund back, customers will just let it go. I feel my card was compromised by the Vanilla gift card company because there are Several articles that have the very same thing with this company.
Product: Money transfer, virtual currency, or money service

Ive been using cashapp since 2020 Ive been trying to resolved all my monies issues through customer service but no luck with an solution after I reported monies hacks from my account unauthorized transaction etc and still no LIVE AGENT IS INSANE AND AGAINST THE LAW
Product: Money transfer, virtual currency, or money service

I am the treasurer of a 501 ( c ) 3 non-profit that has had a PayPal account for quite some time. They recently offered to lower our rates/fees since we are a non-profit organization, and so we submitted all of the information they requested, and on XX/XX/2023, they approved our " charity status '' and moved us to their charity rates. However, we recently realized that this actually significantly RAISED the fees that we are paying them ( nearly tripling! ). 

When we contacted them to go back to our old rates, they have refused. When we asked to escalate and speak to a manager or supervisor, they promised one would contact us, but then they have not. Our previous rate with them was 2.99 % plus XXXX cents per transaction. Our new " charity '' rate with them is 1.99 % plus XXXX cents per transaction. Our average transaction with them is {$7.00}, so our average fees have increased from around XXXX cents per transaction to nearly XXXX cents per transaction. 

We just want to go back to our prior rates ( 2.99 % plus XXXX cents ) but they refuse, and we're not sure why. They did offer to put us in a micropayment rate plan, but that would still be significantly more than we were paying. We also feel like they should refund the extra fees we have paid them since XX/XX/XXXX, since they misled us by telling us they were going to be lowering our fees, and instead nearly tripled them. 

PayPal is telling non-profits they are helping them by lowering fees, then tripling their rates. That can't be legal. Please help!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks.

Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Informed business where the account was opened that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : 1. Identity Theft Report ; 2. Proof of identity ; 3. CFPB 's Notice to Furnishers of Information [ PDF
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX of 2021 XXXX XXXX. 
While on my second XXXX page " XXXX '' I seen a sselle that goes by the name of XXXX that was advertising XXXX XXXX for sale " {$30.00} each shipped ''. 
I contacted a seller about purchasing 2 of the XXXX XXXX ( XXXX ) XXXX XXXX they claimed to have. 
The seller informed me of what forms of payment they accepted and I chose to use Zelle. The cost of my purchase was going to be {$60.00}. I sent the money and the confirmation of the sent money. 

The seller stated they received it. 

After that I did not hear anything back from the seller. So on Wednesday XX/XX/XXXX of 2021 @ XXXX XXXX I contacted the seller asking if they had sent the items we purchased. They said they had sent it & had the shipping information. I requested to receive the tracking information of the shipped items ( XXXX XXXX ( XXXX ) XXXX XXXX ). 
But they did not send any tracking information I sent 4 more messages requesting the tracking information or a refund for more times that same day. 

They still claimed to have the tracking information but did not provide it. 
I sent four more messages requesting it and have not heard back since. 

This is the information I've been able to retrieve on the seller : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I XXXX XXXX have been getting withdrawals and unexpectedly and unusually transactions out of my account that I didn't Authorize nor Make myself., However XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In varies Share Amounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of XXXX XXXX. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an alert that an unauthorized inquiry was placed on my report by XXXX XXXX. How is this possible when I placed a freeze preventing anyone from accessing it. I didnt authorize or lift the freeze on my report, nor did I give consent for anyone to check my credit. Please remove this unauthorized inquiry from my report and send me verification of the removal, thank you!
Product: Credit reporting or other personal consumer reports

Experian violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their last response was on XXXXXX/XX/year> where they stated everything was complete and accurate can you please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I needed my report unlocked. I lost my pin. Experian told me the charge was about {$23.00} to XXXX the paper to unlock. I paid it. Then they over night my credit report and charged me over {$30.00}. I never asked for a credit report. They charged me a second time for the paperwork to unfreeze my account. It took me over four months and over 100 hours on the phone to get my money back. To get it back I ended up filing a complaint with credit card company. Then Experian gave my money back. I filed a complaint with you ( XXXX ) in which I was told to call Experian. I had to work 90 hours plus a week and I am now getting back to this. I laughed at their response to call them. To placate the Federal Gov, I called and they said they would do nothing to help me with over 100 hours I spent on the phone to recover my money. Now I am coming back to the federal watch dog and asking why can a credit reporting agency quote me one cost, charge me more than they quoted, charge me again for the same thing I already paid for yet never received, them refuse to give me back my money until I start a complaint with the credit card company? Is all this agency will do is forward my complaint? Please do not accept have him get a hold of us because they will tell me nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

AR Resources is attempting to collect a debt for medical services that were either never rendered ( identity theft ), or should have been paid by insurance ( XXXX ). Ive been on state   insurance since 2016. 
AR is impossible to reason with or Id be able to say more. 

Thank You Very Much, XXXX XXXX
Product: Bank account or service

Last Thursday night I deposited my payroll check thru an ATM at the Bank of America branch located XXXX XXXX XXXX XXXX, XXXX, WA XXXX. At the time I was overdrawn on my accout but the check for {$1800.00} was more than what was needed to cover this. 

I received and email on XX/XX/XXXX saying the check was being held until XXXX XXXX because of poor image quality " {$1800.00} XXXX XXXX, XXXX by XXXX local time XXXX XXXX, XXXX {$1800.00} {$1800.00} Reason for hold Reasonable cause to doubt collectibility due to image quality. 
Monday XXXX XXXX I went to the branch were the deposit was made and the employee got me in touch with Customer service who checked with Risk Management. They said the image had the account number but only a partial routing number they could not release funds until XX/XX/XXXX. 

As I mentioned this is the same payroll check I have been depositing twice a month for as long as I have had the account. I am now having direct payments hit and not only are they not being covered, which I was told would be because the check is in pending status but I am receiving NSF charges. 
This seems extreme and completely unacceptable since the issue here is the ATM, not anything that was controllable by me. 

Can you help get this resolved
Product: Mortgage

First, I contacted AIMLoan to inform them of changes to autopay, they said, it was too late to change, then charged me {$20.00} for a bounced check fee, even though I proactively notified them about the issue. 

Second, they keep messing up XXXX analysis every year, send me refunds, then immediately ask for the money back. 

The insurance sends a similar quote ever year. I dont know why they cant seem to do this correctly. Also, charging a consumer for a bounced check ( which was out of my control ), when I contacted them in advance to resolve the issue, just seems wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a handwritten letter to Transunion for a dispute of 4 collections that were on my account. In that request I asked them to fully verify the disputed items within 30 days and send me an updated copy of my credit report once the investigation is finished. They only sent me and updated copy of my credit report and said that the accounts were verified with no actual proof of it. On XX/XX/2022, I sent in another letter to Transunion a for a dispute of the 4 collections that were on my account. In that request I asked if they can provide the original contracts for the items that I previously disputed for, fully verify the items, and to please deleted the account that they can't provide the original contracts for. Transunion sent me an updated credit report stating that they deleted an account but they didn't provide me with the contracts that " verified ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex and American Express has reported me as deceased without proper information. My credit score is XXXX and this effects everything as they keep marking my account as accurate and I am not deceased. How did they even report that? Where did they get that information from?
Product: Credit reporting or other personal consumer reports

CAP1/NEIMN Inquired on XX/XX/2023 Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This is an inquiry for which I do not authorize the reporting due to its inaccurate representation of my credit profile.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. When I checked my report as usual, I was surprised to find inconsistencies that hadnt been there before. Thinking it might be a temporary glitch, I refreshed my browser, but the errors remained. Since this issue persists, I request that the documents I have submitted be carefully reviewed to ensure I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made repeated attempts with Experian to remove two XXXX  XXXX XXXX accounts that were paid in full and closed in XXXX of 2014. Both of these accounts had late payments, with the last late payment in each recorded in XX/XX/2014. I live in New York State and the law is that any negative information must be deleted after 5 years. XXXX  automatically removed this info after 5 years but Experian refuses. They state that XXXX  XXXX XXXX will " not allow '' them to remove this info from my credit report. I have called XXXX  XXXX XXXX several times and they say this is simply not true. I don't know what Experian has to gain by breaking NYS law, but I would like people to know what they are doing. My guess is that they do things like this to compel consumers to purchase their services.
Product: Payday loan, title loan, or personal loan

When I opened an account with BECU, I opened a checking, savings and personal line of credit account. I deposited a substantial amount into the savings account and asked the clerk to link it to the checking account for overdraft protection. Three years later, I discovered after reviewing my statement carefully, that my overdraft protection was linked to a personal line of credit that over the years cost me ~ {$1300.00} in interest while I had a savings accounts with $ 20K+ under the same name in the same bank. BECU refused to refund the interest charged.