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

While on a flight back from XXXX  and XXXX on XX/XX/2023 on XXXX XXXX the flight attendant came over the loud speaker to announce an offer for a AAdvantage Aviator Mastercard through Barclays Bank. It was announced that this was a special promotion for this flight that if you signed up for the card you would receive XXXX bonus miles upon approval and your first purchase. Additionally they had a special that upon approval you would also receive XXXX XXXX XXXX tickets that could be used anywhere in the XXXX, INCLUDING Hawaii. I verified this with the flight attendant that it was in fact XXXX TICKETS and the XXXX bonus miles not that the bonus miles could be used for XXXX tickets. The flight attendant confirmed this. When I called Barclays upon approval for the Card they told me that was not in fact the case, and you only got XXXX bonus miles. Their agents through the airline ( which has the flight attendants initials on it, assuming they get some sort of bonus for getting people to sign up ) are misleading people and at the very worst are outright lying to people to induce them to sign up for a Credit Card so that they can profit on it. They certainly are not holding up their end of the bargain. I have already spoken to several people at Barclays who at most have offered XXXX miles for the " misunderstanding ''. Its not a misunderstanding, it was verified and they know what they are doing. I would like the XXXX tickets deposited into my account without restriction. I would also recommend opening an investigation into this Bank and its practices in promoting it's Credit Cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically someone stole my identity to get my credit card, The thief called in and cancelled my credit card as lost or stolen and requested a new credit card to another address that I don't even live or have lived. 

Macy 's had called me ( for security reasons ) and told me someone was calling on my behalf I also remember exactly telling them that no one should have called on my behalf and I haven't called them and clearly told them to stop communicating with someone else or from another phone number then they continued working with the thief and he or she got my credit card since he or she cancelled mine and requested another one to another address, Also when I called Macy 's and I wanted to check where they sent the new credit card to they told me that for security reasons they could not tell me that type of information all that I got was that it was to a apartment B address, The thing is that I have never lived on a apartment B address, Also they had a copy of an ID that started with a C but my ID starts with an A. 

I've tried everything to get this taken care of by trying from calls to disputes and complains and they're still supposedly proving this to be mine for some reason and not only does XXXX XXXX XXXX XXXX the collection agency ) want to charge me {$2600.00} Dollars but they are also reflecting on my credit report and its affecting me on my credit report and score. 

If they do not take any further action and fix their mistake I will sue both companies.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I was unexpectedly and permanently blocked from my PayPal account with no explanation and I have not been able to receive help from customer service, despite their best efforts. I answered all the necessary requests that the PayPal team asked for and still they do not provide me with help and have abruptly shut down my account. I am aware of how important it is to have time-sensitive account reviews in order to keep PayPal a safe platform for both consumers and merchants. I have always stayed true to the company 's policies and user agreements, just like I did when I signed up for the account. My account was only temporary restricted, but I have not violated any user agreements or done anything that could lead to the permanent restriction. I would like to ask PayPal to reopen their investigation of this issue and help me restore access to my account. My PayPal account is connected to the email XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I have made a purchase to buy crypto using COINBASE I got an email saying my payment was canceled but my bank account was still charged for over {$3000.00} ( money took from my account but no funds in my coinbase account ) coinbase support do not help their customers I have made two purchases with my bank account for {$2000.00} trying to buying Litecoin using coinbase.com I also made three more purchases through XXXX {$1000.00} {$100.00} {$35.00} trying to buy $ AMP i have reached out three time and only get an automated message
Product: Debt collection

I am not positive of dates but I have submitted multiple disputes specifying the information was inaccurate and that the accounts were opened fraudulently ; but each time my credit score has only been negatively impacted by my pursuits. The results to each dispute continues to come back as accurate. The agency continues to deny my claims repeatedly, claiming that an investigation was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank # xxxxxxxxxxxxx XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 instructions
Product: Student loan

I received a Notice of Proposed Wage Garnishment dated XXXX XXXX, 2016. The letter indicates that I have 30 days to request hearing and/or agree to a voluntary payment arrangement equal to XXXX % of my " disposable income ''. In an effort to avoid garnishment on XX/XX/XXXX, I contacted Immediate Credit Recovery, the current servicer of the loan. I spoke with an agent, XXXX at extension XXXX. Initially I was advised that my loan did not qualify for rehabilitation. I inquired why I was eligible two months prior but not eligible now, she double checked and determined that the loan was eligible for rehabilitation. She proceeded to capture financial information ( gross pay less taxes, insurance and expenses ) and calculated a potential monthly payment amount, contingent on confirmation of the financial information provided. The proposed plan amount {$920.00}, my calculated disposable income is $ XXXX/month. I was also provided an option to settle the balance for approx. $ XXXX however am unable to settle the balance. On XX/XX/XXXX I reached out to XXXX to confirm how the proposed rehab/plan amount was calculated, she indicated that it is based on XXXX % of my AGI. She also indicated that there was another repayment plan which takes expenses into account, she referred to this as a " reasonable and affordable calculator '' however again, is not based on XXXX % of my disposable income as indicated in the letter. I asked XXXX to clarify that the option which was written in the letter, 15 % of disposable income, is not an option for repayment - she confirmed. On XXXX/XXXX/2016, I called the Dept. of Ed and spoke with someone in customer service who referred me back to Immediate Credit Recovery, Special Assistance Unit, explaining my concerns and requesting a call back. I called again on XXXX/XXXX/2016 and left message. To date, I have not received a response to either message and indicated in both that I am attempting to respond timely to avoid garnishment as indicated in the letter, action is required by XXXX. My concern is that the letter is clear, I have an option to avoid garnishment and by agreeing to repay XXXX % of my disposable income. I wish to repay XXXX % of my disposable income however Immediate Credit Recovery is not providing this as an option and is non-responsive to escalated calls. Either the US Department of Education has provided false, misleading or deceptive information in the letter dated XXXX XXXX or Immediate Credit Recovery is unwilling to honor the option written in the same communication to pursue wage garnishment which is abusive and/or deceptive.
Product: Student loan

I have been trying to get an approved employer verification form approved by Mohela for over a year. My previous employer had made an initial error in paperwork which I didn't catch unfortunately until after I submitted and got denied the first time. I spoke to a representative in XX/XX/XXXX and they said to simply resubmit the application with the corrected information and signature from employer. Since then I've had the form denied and canceled 2 times because they considered it " duplicate '' once in XX/XX/XXXX and another in XX/XX/XXXX. I spoke to a " specialist '' at Mohela in XX/XX/XXXX regarding the particular situation and they put in a " request to review, recalculate, and update my payment tracker '' because he saw that it was a corrected form and indeed not a duplicate and confirmed it was an approved employer. He told me I wouldn't get any notification until the information was updated. When I called today, XX/XX/XXXX to check on the status since I didn't see an update to my tracker, the representative today said the request to review was " canceled, '' but could not tell me why. After waiting on hold for an hour they put in a request for me to speak to a supervisor, but wouldn't hear back for at least XXXX hours. When the call was transfered to confirm my contact information the call dropped and I did not receive a call back. I never speak to the same person and seem to not be able to get this information corrected despite the representatives confirming that the information I am providing them is accurate. The representative either puts in " notes '' or requests that are never completed nor am I given written documentation of the request or updates even though I request for it. I am not given a direct line to call to get this fixed and spend hours calling about the same issue. 

I have also submitted screenshots of the correspondence I have received from Mohela on XX/XX/XXXX that confirmed this employer is approved- as well as the employment period. However, I am told by representatives otherwise and payment counts do not reflect this information I was sent.
Product: Credit reporting or other personal consumer reports

I am writing about an account that appears on my credit which I have previously asked you to investigate but you have refused to do so properly the informations on my credit report regarding the XXXX XXXX  account ( # XXXX ) Upon reviewing my credit report, I noticed multiple discrepancies that require immediate attention Repeated Charge-Off Reporting : The account is marked as " Charged Off '' month after month. Under FCRA guidelines, an account can only be charged off once. Repeated charge-off entries create an unfair representation of the account 's status and artificially harm my credit score.As per the Fair Credit Reporting Act ( FCRA ), an account can only be charged off once and should not appear as repeatedly charged off in subsequent months, This practice is inaccurate and misleading, as a charge-off is a one-time event, not an ongoing status. Repeatedly reporting the account as charged off inflates the negative impact on my credit report, this is an update to the payment history this inaccurate information falsely manipulates the status of limitation Balance Exceeds Credit Limit : The reported balance of {$4100.00} surpasses the credit limit of {$2200.00}, which is inaccurate and misleading. Please provide validation of this balance or correct it to reflect accurate figures. 

Delinquency Reporting : The report lists " Maximum Delinquency of 120 days in XX/XX/year>2023 and XX/XX/year>, '' which appears inconsistent with the accounts payment history. Additionally, there is no documentation to substantiate these claims. 

as required under the FCRA. Under 15 U.S. Code 1681s-2 ( b ), furnishers of information are required to ensure the accuracy and integrity of the data they provide to credit reporting agencies. The inaccuracies outlined above demonstrate non-compliance with this requirement. you failed to investigate this account properly your neglect has violated my rights and caused me enormous amount of distress i'm demanding a deletion of this account
Product: Credit card or prepaid card

In mid XXXX an unknown individual used my credit card to make purchases. Wells Fargo flagged my account for unusual activity and sent me a text. I called them immediately and reviewed with them which transactions were fraudulent. When I received my XXXX statement, I paid in full for all legitimate transactions totalling {$910.00} ; the fraudulent charges totalled {$840.00} for which I did not submit payement. When I received my XXXX statement, additional fraudulent transactions appeared totalling {$910.00}, for a grand total of fraud charges {$1700.00}. There were several written communication from Wells Fargo advising me they were researching the fraud. As advised in their communications, I called their Credit Card Fraud Claims department approximately 12 times to review the fraudulent charges and the legitimate charges. My account of the legitimate charges never deviated. I paid for those charges in full on XX/XX/2020 with my check # XXXX. I repeatedly acknowledged and claimed full responsibility for the 11 legitimate transactions on my XX/XX/2020 statement for which I paid in full. Wells Fargo, for reasons unknown, reported to the merchants that my account and me personally as having perpetrated a fraud. As a result, I am unable to shop online at those stores. I want to be able to shop at these stores once again. I did nothing wrong and paid for all of my legitimate transactions. Please help me.
Product: Student loan

On XXXX, I paid, IN FULL, a loan in the amount of {$1300.00}. The principal was {$1300.00} + interest XXXX for the total of XXXX. I received an email from EdFinancial with a confirmation # and the amount paid. I checked my account on XX/XX/XXXX and it says that I still owe over {$600.00} on this loan. I have been trying since XX/XX/year> to get this resolved. I spoke to XXXX on XX/XX/XXXX, XXXX on XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX told me that I needed to send proof of payment. So I sent them the confirmation email that they had sent to me along with a copy of my bank statement which shows the money left my bank account and went to EdFinancial. Each one assured me that this issue would be fixed. Unfortunately, they tell me that I can not reach someone in the finance department and I have to go through XXXX of them. The balance for this loan should be XXXX. I have XXXX other loans that I would like to pay off but I need this issue fixed first. Then I am afraid the other XXXX won't be handled correctly either.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of XXXX COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to XXXX standards and regulations.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

We where disbursed a private Student Loan on the XX/XX/XXXX for {$5000.00} and XX/XX/XXXX for {$5000.00} and only XX/XX/XXXX for {$8500.00}, our co-signer later filed bankruptcy ( who is now deceased ) which had nothing to do with us paying the loan yet Sallie Mae/Navient according to my payment history sent in XXXX charged us a Capitalization Fee of {$4000.00}. 
Why did it matter that our co-signer filed bankruptcy she was not the one going to pay the loan back and the loan never went into default at least I was not sent anything so how could they charge us a capitalization fee? They are telling me these loans will not be paid back until XXXX that is way past 10 years.
Product: Checking or savings account

I received a letter and XXXX bank statements from TD Bank. I have never banked with them and did not open any accounts with them. The letter I received was informing me that one account was over drawn. I contacted the banks fraud department to report that I am not the one that opened these accounts. They did not ask me for any identifying information just the account numbers on the letters and then told me I would here back from them in 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been provided with personal information regarding my credit Profile without my consent. They claim to represent XXXX XXXX which I do not owe any money .they have used this information to hurt my credit I need them to stop as I research the damage to my personal credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO. XXXX has obtain my private personal information without my written consent and used this to hurt my credit. 
XXXX XXXX XXXX another debt collector using my personal credit profile reporting inaccurate information and intentionally hurting my credit again I have not given written consent for them to use my private information they have hurt my credit and it is beyond repair. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX OR. XXXX Has provided my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX a debt collector that has illegally and with total dis regard mishandled my private information and hurt my credit. I have included more.
Product: Debt collection

Ocwen Loan Servicing, llc is now PHH MORTGAGE. Ocwen claimed in numerous documents and recorded notices of default in land records in a beneficiary capacity claiming it held interest in real property address XXXX XXXX XXXX, XXXX, California XXXX. Ocwen claimed it held a Note in which was issued by a lender and was foreclosing on the real property XXXX XXXX XXXX, XXXX CA XXXX. Ocwen claimed I was the borrower of the loan and breached the loan contract document # XXXX XXXX. 
On or around XX/XX/2014 Ocwen 's trustee Law Offices of XXXX XXXX held a foreclosure sale of the " property '' to pay off the remaining balance of the loan. A third party named XXXX XXXX XXXX , XXXX purchased the " property. '' Question : What is the name of the lender that Ocwen or the Trustee paid off after receiving funds from XXXX XXXX XXXX, XXXX? and what was the amount that was paid off? I would like my complaint published as Ocwen and other third party debt collector 's have wrongfully evicted and taken possession of real property that they did not own. Ocwens actions have and continue to hurt the public.
Product: Checking or savings account

I received a deposit from The Social Security retirement on XX/XX/2022 and the same day someone without my permission used my card to buy an unauthorized purchase at XXXX XXXX on XX/XX/2022 for the amount of XXXX. I called the bank to make a report and they did not helped me, they created a claim # XXXX and they close the claim in 5 minutes stating someone used my pin # and my card chip to buy XXXX XXXX XXXX. when I went in person to the bank and the employee stated all they can do for me is move my direct deposit to my savings account instead of the checking account but they will charge me for every direct deposit from the Social Security office. the bank did not made an effort to assist me with this issue. I went to the police department in XXXX XXXX and open a case # XXXX police dept. stated they will contact XXXX XXXX and investigate the transaction and look at the security cameras, they will call me when they have any outcome. I don't feel valued as a client and the bank failed to protect my money. Thank you for your assistance. XXXX XXXX