23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was issued a prepaid virtual disbursements XXXX which is managed by a XXXX  company called " Blackhawk Network Holdings ''. The card has a prepaid balance on it, and I have all paperwork/emails stating and showing the cards rightful balance. The card does not work, and despite numerous attempts to utilize it, no merchant is able to charge it, including reputable firms like XXXX. 
I then received information from this company that this card had " dormancy fees '' which have basically eroded the value of the card. I received the card in late XX/XX/2022 and it seems 5-6 months later, much of the value of the card was already gone due to these mysterious and predatory " dormancy fees ''. One fee amount of " dormancy '' was over 25 % of the card balance - truly unethical behavior and predatory. The e-mail which I received does not highlight these fees or underline this issue prominently anywhere, nor is there a link to any terms and conditions on the email I received. What this company seems to do is provide gift cards, make it difficult to access those gift cards and then have " dormancy fees '' which quickly erode the XXXX XXXX the card so a consumer can not spend the capital and they likely keep it. Their business model is truly scummy. Their business practice is truly predatory and significantly harmful to the American customer, I am asking the CFPB to assist in looking into this matter. This is a truly unethical company and their dishonest and unethical behavior has to be investigated. I am rightfully owed this money and I am looking for them to rectify this issue immediately and provide me the funds they are legally obligated to provide me.
Product: Mortgage

Customer service representative would not take out the payment when it was scheduled on XX/XX/year>. I am on a payment plan. I have the funds to be taken out today XX/XX/year>. I didn't know it will take XXXX business days for the funds to clear. So the lastest would be XX/XX/year>. Cusstumer service representative said no and it is always 3 business days ACH. I know this is a trial program and I don't want to miss the opportunity to document what just happened. If the funds are not available by Tuesday, your company had the opportunity to take the funds out of my account today XX/XX/year>. 

I haven't experienced a company who didn't want to take out the funds when requested on the day it is scheduled to be taken out.
Product: Credit card

I've had multiple Data Breach and Identity theft committed against me, and I had one with Capital One, they paid me a little over XXXX XXXX XXXX in the year of XXXX. 
The last time I spoke with someone at Capital One, I specify and told them directly to not open any accounts in my name, and I also told them to red flag my social security number, and they said they will do so. 
So this year XXXX 2 more credit cards pop up under my name and social, and now there is a balance and a charge off on my credit report, so I wrote to them again and told them that I did not opened these accounts, they wrote me back on XXXX XXXX XXXX  and stated they found no fraud on these accounts. And then I get another letter from them on XX/XX/year> stating that my address was updated, and I know for a fact that I did not contact Capital One about my address. 
I'm sick and tired of this fraudulent bank always opening accounts in my name without my knowledge or consent. 
This has been going on too long, and now I'm ready to hire a Civil Attorney to sue this bank, because they are FRAUD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied by over 160 rental applications. XXXX, XXXX and Equifax are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX XXXX and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt or credit management

This is my fourth complaint against XXXX XXXX XXXX ( XXXX ). Despite my repeated attempts to resolve the ongoing issues with XXXX, the company continues to demonstrate a pattern of unauthorized withdrawals, lack of transparency, and overall mismanagement of my debt settlement account. 

Previous Complaints : I have previously filed three complaints against XXXX. The first complaint, XXXX XXXX. XXXX, filed on XX/XX/XXXX, highlighted significant discrepancies in account management and a lack of transparency in fees. XXXX only provided clarity after CFPB intervention. The second complaint, XXXX XXXX. XXXX, filed on XX/XX/XXXX, addressed FDRs refusal to allow the withdrawal of accounts from the debt settlement program despite contractual rights. CFPB intervention was required to modify accounts managed by XXXX. The third complaint, XXXX XXXX. XXXX, filed on XX/XX/XXXX, detailed unauthorized withdrawals after XXXX quoted XXXX debt payoff amount and locked changes on my bank account, preventing modifications. Despite my insistence, XXXX continued to withdraw additional fees without authorization. 

Current Issues : On XX/XX/XXXX, XXXX quoted an amount for my debt payoff, and I transferred the necessary funds. Despite my instructions, XXXX continued to withdraw additional fees. On XX/XX/XXXX, I emailed XXXX to confirm that no more withdrawals would occur, yet they scheduled another withdrawal for XX/XX/XXXX. XXXX has locked my ability to modify my linked bank account to prevent unauthorized withdrawals. Despite numerous communications, they have not resolved this issue. FDRs representatives have not provided a clear and detailed accounting of the fees and settlements, leading to confusion and frustration. The promised settlement amount and actual withdrawals do not align, causing financial distress. 

Correspondence with XXXX : I have repeatedly requested a detailed accounting of the payments and settlements, confirmation of the lump sum payment receipt, and cessation of unauthorized withdrawals. FDRs responses have been inadequate and non-responsive, leading to continued financial discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax systems were down preventing the unfreezing of my credit history. 

I made several attempts on their online portal to unfreeze my credit between XXXX and XXXX on XX/XX/2020. Their automated phone system informed me I provided incorrect information ( after two tries I can confirm this is not the case ). When I talked to a call center representative they said their systems are updating and I should call back tomorrow. 

Complaint : * Providing false & misleading information about their outage. 
* Given that theyre in the business of selling my data without my authorization, they should be able to keep their systems available so I can at least freeze/or unfreeze my information at will. A 24 hour outage is unacceptable and impacts consumers. 

This isnt the first time their online portal has been offline and impacted my ability to use it.
Product: Debt collection

Subject : Debt Validation Request Pursuant to FDCPA ( 15 U.S.C. 1692g ) To Whom It May Concern, I, XXXX XXXX, am formally disputing the alleged debt referenced in your communication with me. Under 15 U.S.C. 1692g, I am requesting that you validate this debt and provide evidence that I am legally obligated to pay. 

According to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), a simple assertion of a debts validity is insufficient. You must provide : Proof of the original contract with my signature, demonstrating my legal obligation to pay. 

A full itemization of the alleged debt, including principal, interest, fees, and any additional charges. 

The name and address of the original creditor. 

Documentation that your company has the legal right to collect this debt, including a valid assignment or chain of title. 

Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), if you fail to provide adequate validation within 30 days, all collection activity must cease immediately. Additionally, continued reporting of an unverified debt to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), as established in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 

Failure to comply with this request may result in legal action against your company for violations of FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation ( 15 U.S.C. 1692k ), plus attorney fees and court costs. 

Additionally, per XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), even attorneys engaged in debt collection must comply with FDCPA regulations. 

Until proper validation is received, I request that you : Cease all collection activities, including phone calls and letters. 

Refrain from reporting this debt to credit bureaus or, if already reported, mark it as " in dispute '' ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ). 

This letter serves as a formal dispute and Cease and Desist notice under FDCPA and FCRA. If you fail to respond appropriately within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please respond in writing to the address provided. 

Sincerely, XXXX XXXX Without Prejudice, All Natural Rights Reserved
Product: Debt collection

Please do not assume this is a duplicate because it contains a different dispute and problem that I 'm having with Portfolio Recovery Associates. This company has been sued for their illegal actions FDCPA more times than one can count. They are on my credit reports for a debt that I do not owe. They lied about sending me any notice of the debt and continue to report unverified information on my credit report. I 've already taken action against them for calling my job several times after beining notified not to. They claim to have sent a notice to me concerning this, but will not answer a simple question as to where they sent the notice to. I 'm not asking them to verify that they know my name and social security number, especially given the incidents of identity theft in which crooks steal basic identifying information and open credit. This accounts does not belong to me. In order to open an account an application for credit would have been completed, drivers licence also. I 'm asking for any of that. Neither company can provide that because I have never applied for this credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00}
Product: Checking or savings account

Every month Bank of America charges me {$4.00} for a maintenance fee when I go under {$100.00} balance. I called customer service and asked why the date changed every month and why do they wait until I get closer to or under {$5.00} per month to assess this fee. I have never received an overdraft fee because I always cover my account, but I came close this time. The customer service rep told me the date is the same every month. Thats when I got upset over the phone. I said no, it varies and this time this fee put me in the negative. He said no it wasnt the service fee but my charges that out me under. I said no when I went to sleep the charger wasnt there but it is and it put me under. He said well thats what you signed up for XXXX. You knew exactly what the fee is for. I said well it sounds like youre reading your script and youre just trying to see if you can get me to pay overdraft fees. I told him he needs to work on his customer service skills because he had raised his voice at me. In my case, I am unfortunate, but if you look into it, I think you will find other customers who may be paying a lot of overdraft fees and Bank of America is targeting those of us who dont always have a cushion in our accounts..
Product: Checking or savings account

On Thursday XX/XX/XXXX, I opened XXXX bank accounts with capital one. A checking and savings account for my wife and I, and XXXX minor accounts for our children. We transferred funds from our account into the XXXX new accounts. The next day, I got an error message that there was a problem with our funds and I needed to call capital one. They informed me my new accounts were under investigation and I could not access the funds. They then told me they were ending their relationship with me and opening an investigation into the funds. All of this, because someone from washington DC supposedly tried to access my account. They accused me of fraud, and closed the accounts. The money has already been taken from my XXXX account, a total of {$2500.00}, and capital one won't give it back until they " complete their investigation ''. They won't tell me what that investigation is, or when it will be over, but they're holding my money hostage. I need my money back.
Product: Credit reporting or other personal consumer reports

I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Finance ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The home that was left to me by my late grandfather is in foreclosure. I have stressed how to get the house out of foreclosure after the XXXX disaster. I have no other option at this time but to sell the property. I have requested a payoff letter b/c I have a buyer. We are ready to close they sent me a payoff letter that did not reflect the Loss of draft surplus funds. 
I requested a payoff letter on XX/XX/2023 it took a few days to get the payoff letter which didn't include the surplus funds in the amount of {$15000.00}. I asked if could there be another payoff sent with the correct numbers she never told me that I had to write a letter stating that I wished to have the funds applied to the payoff. They were being deceitful by leaving off that information knowing the property was being sold. why would you not provide the full overview of the account if a payoff implies there is going to be a sale or a settlement of the account? instead, she directed me to speak with loss draft I spoke to their supervisor on or around XX/XX/2023, and the supervisor then told me to send a letter to request to apply the loss draft funds to the account which I sent on XXXX XXXX XXXX XXXX XXXX XXXX No one is helping me resolve which seems like a easy task to show that there are addition funds that should be applied to the pay off letter. 
ALL I AM TRYING TO DO IS OBTAIN A PAYOFF LETTER THAT SHOWS THE PAYOFF AMOUNT AFTER THE LOSS DRAFT FUNDS HAVE BEEN APPLIED. 
AS OF TODAY SPEAKING WITH XXXX XXXX she tried to contact the departments and no one answered her. SO WE GOT NO WHERE. I don't know what to do anymore. after speaking with the loss draft dept. rep XXXX who says they are the depart that handles the payoff request has not received my letter and has no open report. after I became very frustrated I asked him to send me written instructions on how to resolve this process he refused to send it on paper via email it US mail. I told him I needed an outline of what to do because the direction over the phone had held me up for over a month and I had no resolution. I am afraid my buyer will walk away from the sale if they don't send me a payoff letter including the loss draft funds. Every department is sending me to another. None of them took the time to speak with one another directly. So each Time I call it is something new. I am frustrated and ready to give up. I already have anxiety and can't sleep at night because of this. This taking a toll on me XXXX and my health is at risk.
Product: Credit reporting or other personal consumer reports

Bankruptcy are incorrect as well as inquiries. They are giving a negative impact on my credit
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance XXXX {$560.00} XXXX XXXXXXXX XXXX Balance : {$360.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXXK ) XXXX Balance : {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Amount : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I asked them to share original signed contract and proof of loan default i got behind during covid and was told that late payments wouldn't occur
Product: Student loan

I am in repayment to Navient for my student loans. I was 2 weeks late with a payment because I was out of town taking care of my mother who is going through XXXX. I received up to 7 calls/day from different numbers. When I answered I have been hung up on. And now my account is current and they have still called me 3 times this morning.
Product: Payday loan, title loan, or personal loan

Reflecting on credit reportXX/XX/XXXX {$630.00} Paid off in store! 
XX/XX/XXXX{$650.00} Paid off in store! 
Company not licensed according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Debt collection

I was told that the mortgage was paid in full and Green Tree Servicing cancelled my homeowner 's policy and sent me a letter indicating that the insurance was cancelled because the loan was paid in full. Subsequently, they have called me constantly, from morning until night demanding more money. I sent them an additional XXXX last month and I am still receiving threatening letters insisting that I still owe more money. I requested a payoff and the payoff says that I owe XXXX even though the statements I have received say that I owe XXXX in principal and XXXX in escrow. Every time they call here, I have requested an explanation for this discrepancy and in addition I have called countless times to try to get a straight answer but they never provide XXXX. " Someone will research it and get back to me, '' or " they 're looking into it and will call me back, '' but they never do. Still, the collection calls and letters keep coming. This is so stressful that I feel sick.