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

A company listed as XXXX XXXX XXXX CA has been apparently charging me every month XXXX since XXXX. 

I never signed up for anything like this. Bank of America 's only response was that " We confirmed the charge ( s ) is a subscription or reoccurring bill that you've paid in the past. '' There is no proof that I've ever signed up for this. When I googled the company and the phone number in the name, the majority of search results say that this is a scam that upon calling, fishes for peoples ' personal information. I don't understand how Bank of America is not recognizing this as fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX three transactions were made from XXXX and XXXX. PayPal approved these transactions, while XXXX available balance was {$0.00}. They then went on to charging my XXXX XXXX checking account, which was also at a {$0.00} balance. So although PayPal balance was not enough, because again it was at a {$0.00} balance, amd my XXXX account DECLINED, PayPal decided to approve these transactions. Now before I proceed I should mention these transactions were NOT approved or done by ME, XXXX XXXX. Nor do I know who made these purchases. I have checked my XXXX account and can see the two purchases totaling {$36.00}, one for {$27.00} and the other for {$9.00}. I have received one of the many things ordered. 

Now, my problem is PayPal is attempting to charge these items over and over again, causing my XXXX account to fall in the negative balance of {$220.00}, ALL which is NSFs. The payment will not go through because I dont allow my account to be overdrafted. 

PayPal approved these transactions knowing there was no funds, because Im am pretty darn sure they wont approve a transaction made through them if there is no money. Just like using your debit card at the store and it not having funds. I sumbitted a complaint with PayPal and their response was this is not an unauthorized transaction which is partly true, because although I didnt authorize it, PayPal did. 

Now I dont want or need the items purchased on XXXX, but will pay them, since my PayPal account is also negative due to these purchases. I can also return them, although I havent received all the items, but that wont pay the NSFs and will take weeks to return. 

Secondly the XXXX purchase for {$3.00} should of also been declined but again I will pay that. 

And all of these items show as paid with PayPal balance, and shows my XXXX as back up. I dont understand why XXXX is involved. 
I just want all those fees to be taken care off and for PayPal to close my account when all of this is over. I am very disappointed with their customer service, they made me feel like a liar and a thief, when in all honesty they are the crooks.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX
Product: Debt collection

Discover is making frequent calls to my work place even after being asked several times by receptionist that they can not call at work
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX  XXXX to neither CRAS ( XXXX, Equifax, XXXX ). 

XXXX  XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened XXXX XXXX.
Product: Debt collection

Repeated erroneous reporting of balances without providing 100 % accurate, verifiable information. 
Balance : {$1200.00} Balance : {$0.00} ( Payment Amount : {$680.00} )
Product: Checking or savings account

Not able to access the online Wells Fargo and debit card being used by somebody and has access to the account
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Citibank XXXX XXXX XXXX  card said they were giving me two months forbearance when I called them in XXXX. I was unable to pay my XXXX bill bc of forced government shutdowns. I didn't realize they expected me to pay XXXX even though I was laid off two weeks prior. I'm concerned they reported my missed XXXX payment to the credit bureaus. My credit score dropped 100 points since XXXX and Citi card lowered my limit and said I was deliquent in a letter to me.
Product: Prepaid card

I tried getting a new cash app card and theyre not letting me get one and I dont know how to they took away the virtual card and wont let you use that. I dont know what to do.
Product: Credit card or prepaid card

Dear CFPB I filed a claim to Citi Mastercard Benefits because my phone was stolen/ taken from me on XX/XX/2023. 
I have received the result of this claim on XX/XX/2023 from XXXX XXXX XXXX, a Citi Card Benefits Administration who underwrites the coverage of the claims, Regretfully, your claim is not eligible for payment for the following reason ( s ) : " The item was not reasonably cared for ''. 
Claim # XXXX. 

Their response to my claim is invalid. I always take care of my belongings and everything was reasonably cared for. In this event, my phone was taken from me by force, unwillingly and unauthorized, I did not give anybody consent to take my phone. The thief also sent himself an unauthorized electronic funds transfer - a XXXX to himself after confiscating my phone and gaining access to my mobile banking. The thief is still using my phone that he stole from me, he was able to remove my XXXX XXXX from the phone and entered a new email to use. The phone is an XXXX XXXX XXXX XXXX XXXX serial no XXXX and XXXX XXXXXXXX. I had to purchase a new phone and Citi Mastercard Benefits is not honoring their phone claim program. 

Attached is my police report, FBI report, FTC report, and Claims Denial confirmation. Please help me.
Product: Debt collection

ENHANCHED RECOVERY CORPORATION XXXX SOLD ACCOCT TO THESE PEOPLE FOR CELL PHONE BILL I NEVER HAD XXXX I WAS A VICTIM OF IDENTITY THEFT IN 2011 THIS BILL IS FOR XXXX DOLLARS PLEASE HELP TAKE THIS OFF CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I have filed 4 different disputes regarding 4 inaccurate late payments reporting on my XXXX XXXX XXXX XXXX card. The late payment dates are showing in the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. I have requested for the credit agency to provide proof of late payments or detailed method of their said verification ; if company is unable to provide confirmation, please remove all late payments from account and update the account to pays as agreed never late. The credit Agency has failed to provide proof/ evidence of late payments and removal of late payments/ history update. After multiple attempts, the credit agency is no longer allowing me to submit disputes. This is causing me a lot of financial distress.
Product: Checking or savings account

I used XXXX to pay my provider for 2 dates of service. XXXX deducted the funds from my bank account on XX/XX/XXXX. About XXXX  weeks later, the provider has not received the money to pay for my bill. On XX/XX/XXXX, I called XXXX to inquire about this and was told they will cancel the payments and refund me my money and I should pay the provider directly. I waited over a month for my refund and called XXXX today. I was told no, we don't give refunds. Call your bank to dispute the charges!! I was stunned by this remark as most merchants don't want a chargeback. I called my bank and they said it was too late to dispute. This is ridiculous. I want my money back. This company scammed me. It's only {$120.00} and that's not the point. The point is that they took the money and didn't apply it to my provider! I want my refund!
Product: Debt collection

In XX/XX/year>, I attempted to dispute this debt. The collection agency provided proof of debt that consisted of multiple leases merged together, which contained conflicting dates. In XX/XX/year>, I emailed a document signed by the property manager stating that I do not owe a balance and will not owe anything upon my move-out. I also highlighted the discrepancies in the documentation they provided.

Despite my efforts, the collection agency refuses to remove the debt or provide further documentation clarifying how I owe this amount. When I called on XX/XX/year>, they would not confirm why the documentation from the property manager is not considered acceptable. Additionally, they acknowledged that the property manager did not send any additional information validating the debt.

I also spoke with collections agency and was told that the company works for their client and they were not willing to speak with me in regards to getting debt handled, only willing to speak about me paying the debt. Procollect told me to pay my bill and that was it.
Product: Credit card

i have been with this company i realy loved their customer service until i feel on hard times they keep reporting me we sent them hardship letters to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noted my credit score dropped by 53 points from XXXX to XXXX as reported to XXXX XXXX by Equifax. The 'see what changed " portion of the credit summary stated only that a " Remark Added to Account '' was done by " XXXX XXXX ''. Review of my full credit report that day showed no such comment and there was no other justification for any drop, much less a 53 point score drop. Indeed, my XXXX score increased from from XXXX to XXXX on XX/XX/XXXX. So I called Equifax and they were also unable to provide me with an explanation to justify the credit score drop. I opened a complaint with them - # XXXX. 

I then opened a concern with XXXX XXXX via their app. They came back to me with an email saying only that they noted a comment by XXXX as the only change on my report. They suggested I contact XXXX or Equifax for more information. 

I then contacted XXXX ( on XX/XX/XXXX ) by the phone # listed on my Credit Report. They confirmed that no change was made to my credit report by them. Only that they had suspended my account while they investigated a dispute of the last paid date which I filed last week. ( XX/XX/XXXX ). This disputed the date I last paid on the acct which was in XXXX, which I incorrectly took to mean the date the account was last paid on time. So they found via their investigation that no change to my report was needed - and they told me they made no change to my report. I asked their ( Credit Dept ) representative what XXXX may have done to cause a 53 point drop in my credit score with Equifax- and they replied that they made no other or new comment on my report.

So what has caused the 53 point drop in my credit score with Equifax? What justifies that when all of my credit activity has been favorable for years and my scores have been steadily increasing?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my records, I discovered these late payment entries. Despite having sent correspondence about this issue more than 30 days ago, I have not received any response, nor have I been provided with adequate validation. I am seeking your assistance to resolve this matter quickly and effectively.
Product: Mortgage

During the worst time of COVID I paid my mortgage. Recently in XXXX of XXXX I started to fall behind, I finally broke down and requested a forbearance. PHH said 3 months, but gave it for 6 months. Under the CARES ACT I am able to extend for another 6 months if needed and if done by XX/XX/XXXX. I reached out to the mortgage company for help and was denied and extension, I was told the investors havent been paid for 2 years and need to be paid and that is the reason I cant get an extension. I am in the XXXX industry, the industry that was hit the hardest. I work at a XXXX and in a XXXX, I have job security. I am just waiting on the XXXX to open more and add more shifts ; but that can only be done by the department of business regulations , health department, and OSHA. The whole time I could of taken the forbearance like others and went 18 months without paying, but I didnt, I used my unemployment money to pay my mortgage. I finally realized 6 months ago that I needed help, and broke down and used the forbearance, I should not be penalized because I didnt take advantage of the system. Their communication to help me with this process is horrendous! They may have called me from XXXX numbers but I dont answer them because most of the time it is spammers. They never once left me a voicemail asking to help me. The person I spoke to said they cant leave a voicemail unless it says my name or number. When you call my phone, my voicemails says Hi you have reached XXXX. They could of left me a voicemail to get me in touch with the right people to help me. They sent me emails that went to my spam because they used 7 different emails. Customer Care, No Reply, Relationship manager email all these were in reference to my forbearance and it all went to spam. They made sure to send PHH Mortgage mail for my insurance renewal, PHH mortgage for flooding, discounts, feedback. The email I made a VIP so I stay on top of it XXXX XXXX XXXX XXXX they would send me my monthly statement which was last sent XX/XX/XXXX. I have received a few letters which state the forbearance, how much I owe, and if I need more help. I reach out for more help and I get denied. I never took advantage of the situation and didnt use it till I needed it, and now they are taking advantage of me when I need help the most.
Product: Debt collection

My XXXX year old Aunt received a call from XXXX, and so did my workplace, claiming they were a process server and if I did not call them back in 2 hours, they would serve court papers. I called the number back and they wanted credit or debit card information so I could make a payment on a debt that was written off in 2008. They told my Aunt that HER address was my last known address, which is not correct. At my workplace, they wanted to talk to the immediate supervisor ( which is myself ), but it was my day off. If I was not the supervisor, what would they have told that person? They had my SSN. I told them to send me something in the mail, and she said they did not do that.
Product: Vehicle loan or lease

I had attempted to pay off the loan twice and was told that I didnt have the proper information. Spoke to several different clients with Suntrust Bank and there appears to be miscommunication between staff. Suntrust flagged my credit due to missed payment. I only missed payment due to their miscommunication. I have since paid off the loan fully and would like my credit to be repaired to its original score
Product: Checking or savings account

On Friday, XX/XX/XXXX, I went to First Citizens Bank in XXXX XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX. I requested to speak with XXXX XXXX due to the fact that I had dealt with him previously about trying to open an account for my XXXX in XX/XX/XXXX. I actually should have went off the outcome of that interaction because I was told they had to have a SSN to open an account, which a SSN is unlawful to ask for, however, I went ahead and went back because I was looking to open a personal account this time and the interaction wasn't all bad. On Friday XX/XX/XXXX, I went to XXXX again. We chatted, I asked several questions about the account and the services offered. He advised it would be {$50.00} to open the account. I agreed and told him I'd be back once I had the {$50.00}. We actually were laughing and joking as I was on my way out the door. Monday, XX/XX/XXXX, I went back to open the account and asked for XXXX again. Before I could even sit down, he tells me they could not open an account. I asked why and he claims that he spoke with his 'higher ups ' and they concluded they are choosing not to open an account for me. I'm pressing the issue because XXXX is talking in codes and not trying to say what the actual issue is. As I keep pressing because I tell him I'm not satisfied with what he is telling me, he says because of the issue with me trying to open an account for my Trust in XX/XX/XXXX and the complaint that was made because of it ( I never made a complaint which I should have ) and the questions that I was asking him about opening a personal account, the bank made the decision not to open it based on those factors. I asked what the questions being asked had to do with anything. XXXX proceeds to give me a bogus answer about " things that have been happening at the banks within the region ''. I asked him what things and he continued to give cryptic answers. I tried to get an understanding before I left as to what the real reason was for him not opening an account and I left confused with no answer. I don't know what XXXX thought I was trying to do with my account with the questions I was asking but, I was just trying to open an account because I didn't have one at the time. I feel completely discriminated against and don't know why I was treated in that way. My sister was with me and she gave him some things to read the Friday we were there and he did say based off of the federal laws he read, part of the decision was based on that. I was denied my right to conduct business for personal, family, and household purposes. I feel totally discriminated against by XXXX XXXX and First Citizens as a whole and I want answers as to why I was turned away.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Transfer number : XXXX # XXXX World Remit cancelled my transfer after receiving my debit payment and won't provide me with reasons why.
Product: Debt collection

I called Penn Credit and sent a letter in XXXX to let them know that this is not my bill. 
If I went to a hospital, surely, they would have my current address. They gave me an address where I lived 30 years ago. The letter I sent was : Penn Credit Corp. 
XXXX XXXX XXXX XXXX, XXXX, XXXX To whom it concerns, XX/XX/2022 The FCRA states that a consumer can make a legal claim against, and sue the credit reporting agencies, creditors and debt collectors who report information that is wrong. This is a Debt I DO NOT Owe. Since a collection agency can not sell a collection to another credit agency w/o notifying the debtor. I feel like they are acting illegally by violating the FDCPA. I have never been contacted by any collection agency about who or what I owe if anything. I do believe that this is a scam and will be reported to the CFPB and possibly sued. 
XXXX XXXX PENN CREDIT - XXXX Last updated XX/XX/2022 Current Balance {$770.00} Account Details DEROGATORY Account Type - Last Account Activity XX/XX/2022 Open Since XX/XX/2022 Ownership Individual Current Balance $ 770 Monthly Payment - Original Creditor XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Remarks Dispute resolved ; customer disagrees
Product: Debt collection

Professional Account Services keeps calling me and will not even tell me why. I know they are a debt collector for medical bills. I do not have any medical bills. They call and have asked for my social security number to identify myself, even though they called me! When I refuse, they then ask for my birthdate - which I wont give them either since I wo n't give any personal information to a stranger on the phone who wo n't say why they are calling. I 've asked them to send something in the mail and I will respond if it is legitimate, maybe a doctor I 've seen. But after a month of my requesting this, they do not send anything stating if I even have a debt. This company has the power to ruin my credit if they are really trying to collect a debt ( there is n't XXXX ), or even if it is a mistake. This seems a wholly illegal way to handle this. they call from XXXX.