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

My mother passed away on XX/XX/2022. I caught XXXX after. All of my incoming funds were going towards helping bury my mom and cover my expenses since I was not working. Capital One contacted me and set up an arrangement due to my circumstances to help me catch up. They then closed my account and reported it negatively to my credit. Their employees are lying and misleading consumers when they are at their lowest points. This is a hit when I am already struggling to get my credit back. I needed help not to be lied to. They called me pretending to help me when Im fact they had already closed my account. Very underhanded
Product: Credit card or prepaid card

I had previously gotten a response from US Bank on XX/XX/XXXX that it is actively trying to resolve my issue and recover my money from 2 fraudulent gift cards. It is not XX/XX/XXXX and I haven't received my gift cards. My original complaint is below and I am attaching US Bank 's response to my first CFPB complaint. 

On XX/XX/XXXX, I purchased 2 Mastercard gift cards issued by U.S. Bank worth {$200.00} each from XXXX in XXXX, XXXX. I attempted to use them on XX/XX/XXXX, but found one gift card had a fraudulent charge of {$180.00} at XXXX XXXX XXXX in XXXX XXXX, XXXX   on XX/XX/XXXX. The other gift card had a fraudulent charge of {$190.00} also at XXXX XXXX XXXX   in XXXX XXXX, XXXX  on XX/XX/XXXX. The cards were in my possession in XXXX at the time ( and I still have the cards ). After calling the customer service phone number on the card, I wrote and faxed a dispute letter and filed a stolen card claim on XX/XX/XXXX to the U.S. Bank dispute department at XXXX. I received a response letter and a new card on XX/XX/XXXX. After returning the information, U.S. Bank claimed I did not dispute the charge within a 4-month timeframe despite already acknowledging the dispute on XX/XX/XXXX ( 3 months after the XX/XX/XXXX charge ). It is now claiming it can not help me despite my complying with all of their requests in a timely manner. It seems like this is a widespread issue with U.S. Bank Mastercards, which is more concerning.
Product: Credit card

Citibank is incorrectly reporting a 30 day late payment when the payment in question was received only 8 days past the due date. The payment was not received within their billing cycles, which is why they see it as being appropriate to report 30 days late. 

I have included the original dispute letters sent via certified mail to Citi 's dispute center along with payment and statement history. I am working hard to improve my credit and this was an undeserved set-back. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Barclays to notify them of an unauthorized transaction that reflected on my credit card statement. I spoke with XXXX in Customer Service at XXXX PM who stated I needed to be transferred to the Security Department and I was placed on hold for almost an hour. I was unable to continue to hold so I called again on XX/XX/XXXX and spoke to XXXX in Customer Service at XXXX PM who stated that a fraud claim was opened the previous day and that a credit will take 7-10 business days to apply to my account. I then called back on XX/XX/XXXX at XXXX AM and spoke with XXXX in the Fraud Department who stated that he would need to transfer me to Fraud Investigations. At XXXX AM I spoke with Ina in Fraud Investigations who stated that I would need to be transferred to Customer Service. I was transferred to XXXX in Customer Care at XXXX AM who stated that she needed to open a fraud case because it was never opened. She stated that she would prioritize the claim and provided me with Case Number : XXXX. She advised me to call back if I do not hear from them. On XX/XX/XXXX I still had not heard from anyone, so I contacted Customer Care again and spoke with XXXX at XXXX PM who transferred me to Fraud. XXXX in Customer Security took my call at XXXX PM and stated that he needed to research this case. He informed me that the account was closed on XX/XX/XXXX and that he can not reopen the account. I explained that I did not want to reopen the account I was inquiring about my fraud claim. He advised me that he couldnt find my claim. He provided me with Case Number : XXXX and when I asked to speak to a supervisor, he refused to transfer me to one. The call then disconnected. I called back on XX/XX/XXXX and spoke with XXXX in Fraud Investigations who stated that she can not see any credit card statements from before XXXX of XXXX. She stated that it can take up to 90 days for the claim and that there is a scheduled call back from a manager within 10-15 days. Since then, I have heard nothing from Barclays. I feel that I am being treated unfairly by Barclays. I feel that Barclays is not providing me with an investigation into my fraud claim.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS FAIL TO FULLFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION OF DESPUTED INFORMAYION ON MY DREDIT REPORT LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANICAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN ALLEGING SYSTEMIC ISSUSE SUCH AS FAILING TO FOWARD CONSUMER -PROVIDED EVIDENCE TO FURNISHERS. ACCEPTING UNRELIABLE RESPONSES AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH MY EXPERIENCE. WHERE EXPERIAN HAS NEITHER CORRECTEDNOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED CAUSING ONGOING HARM TO MY CREADIT STANDING I AM REQUESTING IMMEDIATE CORRECTION ACTION TO REMOVE OR AMEND THE DISPUTE ACCOUNTS AS EXPERIAN 'S INACTIONVIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER
Product: Debt collection

Paragon Revenue Group has stated that I owe {$110.00} for medical bills that were not paid. However, I know I have never missed a medical bill payment. They told me to contact the medical practice that issued the debt, so I did and they said they have no record of sending a debt to collections. I called Paragon back and asked for them to provide a Debt Validation letter they said they already sent one to my address and it came back undeliverable. The agent then said to call the post office to find the letter that he just said was returned undeliverable. I asked him to send the Debt Validation letter again and he refused and then hung up on me.
Product: Credit card

On behalf of case # XXXX. I was denied credit for certain reasons. The reason for my denial was because of inaccurate information on my consumer credit report from XXXX XXXX . I disputed the inaccurate information. I was denied because of to many inquiries. My updated consumer report shows my accurate up to date information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

In accordance with the Fair Credit Reporting act XXXXXXXX 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: Vehicle loan or lease

On XX/XX/XXXX my car was repossessed out of my driveway at XXXX am. 

I immediately tried to call and find out any information I could. They told me I had to wait a week to receive something in the mail I never did. 

I then called a week a some days later again to finally be told what the price was. I paid everything on XX/XX/XXXX and then was told I had to wait until XX/XX/XXXX to receive my car back. I go to pick up my car and immediately notice all the physical damages that they had caused to my car. 

My right side backseat door frame is damaged and had white paint still on it from whatever they hit my car with, I had minor scratches in multiple places all over my car, my trunk cover was ripped off the hinges and broken, my back seat had a hanger jammed in between and wouldnt close. On top of all that my back drive tire was now half flat, and my brakes were squeaky. 

When I got the car they had already stared it for me so I immediately drove to work from the lot since I hadnt been able to work due to not having a car. When I got out of work at XXXX my car would not start, it said the parking brake was malfunctioning, the airbags were now faulty. This is a 2017 car that has not had any issues besides regular maintenance and tires in the past. 
I was able to get a jump started that lasted my drive home, when home I turned the car off and in the morning car now wouldnt start at all. I replaced the battery a {$300.00} expense, the battery was drained due to the other damages but it wasnt the battery. I have now not had a working car in a month and Ally Auto will not give me any answers. My first claim was closed with no response and my second claim is being completely ignored until I go away. Every time I call they waste an hour plus of my life having me talk to multiple people and then telling me I have to go through that email that wont reply to me. 

Ive XXXX XXXX XXXX because I cant make it to work, Im about to XXXX XXXX XXXX  as well. This has been so emotionally exhausting and draining I cant even eat or sleep anymore.
Product: Credit reporting or other personal consumer reports

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged. Make payments on my credit report. Under federal law, they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible. Fair Credit Reporting Act this creditor has violated my rights under 15 year C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 and also states a consumer reporting agency. They're not functioning in the car without my written instructions under 15 USC 1666 BA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is one of many times we have addressed this situation over. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate
Product: Debt collection

Fay Servicing , LLC will not provide information as to policies and procedures for deferment or forbearance relating to mortgages. 

On XX/XX/2020, fay servicing was contacted so that we could obtain policies and procedures as to deferment/forbearance because of the effect of the covid 19 lockdown. 

we were sent an email with questions as to why we needed the deferment/forbearance. 
the questions were answered and forwarded to 4 representatives of Fay Servicing. 

It has now been three weeks, and we have gotten no information as to deferment or forbearance.
Product: Money transfer, virtual currency, or money service

I am unable to withdraw funds from my paypal account. I have funds available to withdraw. I attempt to withdraw those funds and PayPal gave me a fairly generic message saying they couldn't complete my request and to try again. So I tried again and again and it never worked. I then waited approximately 24 hours and I contacted paypal, to which they told me to wait up to 72 hours from there and my account was being validated. I had already had previous withdraws to my account with no problem, even as most recently as 1 day prior to my attempt to withdraw these new funds. I contacted paypal and they say they do not have the ability to override anything and I must keep waiting and only make one attempt in a 24hr period to withdraw any funds. They are not providing any assistance in getting these funds withdrawn to my checking account. I attempted to close my account and have a check sent within 14 days of my account closure, and paypal will not let me close my account either.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is fraud never had a apartment in my name, remove this account immediately. this address XXXX XXXX XXXX XXXX XXXX CA, XXXX Does not belong to me I never live there at all!!!!! Please remove from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The checking account that I use to pay this credit with was hacked twice. This is a checking account that is held a XXXX XXXX. Due to the account being compromised, I had to close the checking account, causing my automatic payment to not be sent. I have written two letters to the creditor to address this issue. The issue is that there are late payments on my credit report for something that was out of my control. I would like to have this addressed and to have the negative information removed from my credit report. The creditor is Syncrony Bank, who administers the credit cards for XXXX XXXX. I also believe that Syncrony 's billing practices are unfair. With synchrony, you are penalized for making your payment early. Synchrony posts the payment incorrectly so that the account payment is late and the consumer is charged a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction
Product: Debt collection

Recieved from ARA Inc., a demand for payment of dept totally {$7100.00} off a Bank called XXXX. I have never heard of XXXX, much less owe anyone 7k. I contacted them, they threatened to take me to court and I " would pay all attorney fees '' they claimed. I demanded the proof I ever owed thisy be sent to me. They refused ( woman claiming she is 'XXXX ', and a Supervisor he claimed, saying he was 'XXXX ' ) XXXX was threatening, obnoxius and refused to speak to me after my request. I then was connected to this XXXX, who claimed they were about to take me to court. I told them go for it, because they knew I would win. He was outlandish and said he had no problem being recorded. I was harrassed repeatedly to PAY MY BILLS. They stated they had the loan information in front of them, but refused to provide such proof or such information, just " send us the money! '' after they refused I decided to investigate the Company as it was clear this likely was a sham, and found multiple complaints online filed against ARA Inc, in which the posters stated they recieved almost identical amount demands, identical claims of the bank they had never heard of, and outragious treatment once they tried to make contact. XXXX off of XXXX sight alone with the identical stories. It greatly disturbs me that in all likely hood elderly are being targeted and unknowingly paying off bills without questioning the sources of such " bills ''. I was told I owed {$2000.00} to begin with, ( never happened ) and then it had built up over the years. I demand copies showing such bills, and such transactions and proof this was myself and not another party using my name. They are refusing to provide it. I contacted them back on learning they were duplicating same amounts or close enough to be the same to XXXX if not XXXX of others across the US who had the same story I did, that they never wracked up such charges even in the past. The company has refused outright to provide it or to provide information. I asked to speak to their lawyer team, I was refused based on what this person claiming to be XXXX said, " It was his job to protect the attorneys. '' I dare this company to file legal actions and allow me into court to prove they are defauding the public.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Dear Consumer Financial Protection Bureau, I hope this correspondence finds you well. I am writing to file a formal complaint and seek assistance regarding a prolonged and unresolved issue involving billing errors on my Apple Card account with Goldman Sachs. 

Over the past XXXX years, I have encountered significant discrepancies in my billing statements and Apple Card reports, prompting diligent attempts to address and resolve these issues. While partial refunds have been provided, the core problems persist, causing considerable financial losses, emotional distress, and inconvenience. As a remedy, I am formally requesting a comprehensive settlement of {$150000.00}. 

The key issues I have faced are as follows : Excessive Charges : I have experienced a series of excessive charges over the past XXXX years, significantly impacting my financial well-being. 
False Information : My bank statements and Apple Card reports consistently contain false information, complicating the resolution of this matter and hindering my ability to regain control over my financial life. 
Account Closure : My accounts with Goldman Sachs were abruptly closed, leading to severe disruptions in my financial stability and leaving me in a state of confusion and uncertainty. 
Damage to Credit Score : The adverse impact on my credit score has been distressing, affecting my ability to access essential financial services and opportunities. 
Ongoing Fees : Despite the bank 's acknowledgment of billing errors, fees continue to be levied on my account since XX/XX/XXXX, contradicting their own acknowledgment. 
While Goldman Sachs recently acknowledged billing errors and initiated refunds for disputed charges, there has been a consistent reluctance to fully rectify the situation. The bank disputes the existence of errors, causing me to question my own account of events and leading to feelings of dismissal and doubt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX ), has violated several of my rights. 

16 U.S.C 1681 section 602 A. Clearly States that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

3 Credit bureaus exsperian XXXX XXXX doesn't do their own investigation. They request information from one another these companies give them. Any information they say it Accurate. Instead of doing their own investigation,,. I can not upload documents to these companies .block from dispute. .center My Credit report is horrible Due to incorrect information .70 years old can not retrieve credit no due to information. These companies have. I. Have same address many years nothing EVER DELETE Off Credit report everything added. I want my credit report cleared delete old information. Off my report. I have to hire veterans affairs attorneys maybe l can get help.
Product: Credit card

Bank of America lowered my credit card credit line and sent delinquent pmt info to XXXX who lowered my credit score from over XXXX down to XXXX. BofA states I missed past XXXX mths XXXX & XX/XX/XXXX and XX/XX/XXXX pmts due on card but bank neglected to inform me of this until this current mth! I told them I did not receive regular mthly emails from them of pmt due for XXXX mths of XXXX and for XXXX until aft date due! Also my cred card was missing so I requested new card prev and bank had deleted that account # so maybe that's why I hadn't rec 'd pmt due emails. I read another complaint # XXXX filed against BofA on this website of exact same issue!
Product: Credit reporting or other personal consumer reports

CFPB ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX, XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I have no signed payment agreement with this company, MRS BPO. Please stop collection efforts and remove from my credit report immediately. Show me a contract or remove report
Product: Credit reporting or other personal consumer reports

XXXX  Account # XXXX XXXX XX/XX/XXXX Collection/ Written off amount {$2900.00} XXXX Account # XXXX Date- XX/XX/XXXX Charged off account amount {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XX/XX/XXXX Closed written off. {$19000.00} I believe these charges offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
I believe the information also reported here is inaccurate, incorrect, incomplet, and misleading. As a result my credit has been unfairly affected. 
also violating below acts 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: Payday loan, title loan, personal loan, or advance loan

I am writing to formally address the matter of continued payment requests from " Green Sky ''. Regarding the rationale behind the request for payment on a closed account, which I am positively certain has been fully settled and satisfied with the service provider on XX/XX/year>. 
I kindly request that " Green Sky '' provide comprehensive documentation detailing any outstanding obligations and a full itemization of the services that warrant the requested charges. 
My understanding is that a satisfactory resolution has been reached with the service provider, therefore, I consider myself no longer bound by any financial agreements. 
I am currently not at liberty to discuss any details of the agreement between myself and the provider. So I can only encourage you to liaise directly with the provider for clarification. 
Despite the accepted agreement between the provider and myself, I continued making payments beyond the date mentioned above only to avoid any negative impact on my consumer credit profile. 
This decision was prompted by my ongoing attempts and request for accurate documentation from " Green Sky ''. Which, as of my last correspondence on XX/XX/year>, had not been provided to continue with my right to scrutinize the validity of all chargers. 
I want to emphasize that these post-agreement payments were no longer rendered payments made via credit card. Which are now subject to being in question. 
My intent in continuing these payments was to maintain an amicable resolution while waiting for the requested documentation from " Green Sky ''. 

I believe this action demonstrates my commitment to resolve the matter responsibly. 

Therefore, I kindly request that " Green Sky '' now provide the specific documentation that justifies any post payments requested after XX/XX/year> for all payments totaling the exact amount of {$1100.00}. 

This information is crucial for the transparent understanding of the ongoing financial request. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your cooperation.