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

XXXX XXXX credit card for XXXX XXXX XXXX XXXX offered a promotional rate of 0 % for 24 months on a purchase. After 24 month period I was told by the staff member interest would start at a rate of around 27 %. Instead I received the full amount of interest charged throughout the 24 month period after expiration. {$2100.00} purchase now has {$1300.00} of interest due all at once. This was not explained at all. I call to question the charge and they said they offer a 30 day grace period after the promotion. They do not reach out to you or mention this anywhere so how could the consumer know it exists? My call was placed around 6 days after the grace period. They told me its too late. I offered to pay the full bill to avoid interest. They still said no and that I would have to pay. Its a rouse that needs to be addressed.
Product: Debt collection

Still reported missing payments in XXXX after it was discharged in BK in XXXX
Product: Money transfer, virtual currency, or money service

This is my second submission & request!! 

On XX/XX/XXXX I was sent funds in the amount of {$300.00} for XXXX XXXX, however double the amount was sent in error from the sender 's account. I attempted to try to send the funds back but was required to accept them first. Due to error messages with the card on file I was prompted by the site to add new card information. I added a new card and still received errors. I was then prompted to add banking information, I received an email notification indicated my account was verified and added however I still did not receive the funds in my linked account. I was then prompted to submit social security information which I was not comfortable doing on this platform and was not disclosed as a requirement before accepting the funds from the sender. These funds are still being held by Venmo. After several attempts to reach customer service and being left in que with no response my account was locked with no access to transact. I submitted an email complaint to Venmo ( Request # XXXX ) and never received a response back. I contacted the XXXX to file a ( complaint # XXXX ) on XX/XX/2024, in hopes that I would be able to get assistance with them transferring to overpayment back to the sender and the balance of the funds to my account but have not received a response or a follow-up.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX  my coinbase account was hacked and used to make {$250000.00} the irs sent me a letter this year and said i owe XXXX in back taxes now. I have attempted to contact coin base for weeks via their customer service app and twitter. I filed identity theft papers with the IRS and a report with the FBI to resolve this issue. Please help me get in contact with coinbase so i can straighten this out my banking documents prove i never recieved the money. 

Also as of today i can not transfer the money i have in coinbase back to my account. My bank and debit card are now unlinked .... 

After the last big movement in bitcoins price the application froze and crashed i could not sell the coins so i lost money. The fees for conducting transactions only display zero and after the transaction occurs there is clearly a fee deducted. 

All i want is my money out of my account my taxes fixed and to never deal with them again. PLEASE HELP.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I applied for a {$2000.00} installment loan with Ace Express and was denied the loan for this amount, but I was pre-approved for {$1300.00}. Upon the representative verifying my banking information, job payroll, and credit score of XXXX, she informed me that the system in fact changed and declined the {$1300.00} loan and that I would receive a Notice of Adverse Action detailing the decision of the denial. Shortly after, I did in fact receive the Notice of Adverse Action, and it stated that I was still pre-approved for a {$1300.00} loan. Upon calling ACE to get clarification, I was told that I should apply again in order for the pre-approval to become active again. I stated that the notice was mis-leading because I was provided with another pre-approval within the denial letter. I also asked if this would affect my credit score and the representative stated that they would have to re-pull my credit even though I was provided another pre-approval. Needless to say, I am completely confused and I was not provided any direction from ACE as to how this can be rectified. My credit score reduced several points due to this action and I am not pleased about this at all. ACE also never provided a clear explanation as to why I am denied and pre-approved at the same time. I was only told that it is system derived and they apologize for any confusion.
Product: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the last paid date for XXXX  reported is incorrectly on XXXX, XXXX and Transunion. In addition, number of late payments and status of account on XXXX do NOT match with XXXX, and Transunion. Account of Late payments are incorrect, and Date reported are incorrect on XXXX, XXXX, Transunion a Account name XXXX XXXX Account number XXXX
Product: Debt collection

Not sure if I have this marked under the correct section. Here is the issue. I checked my credit score last week and seen this XXXX had put something on my credit report. The issue I have is they reported it 2 times on my credit report which dropped my credit score greatly and now I am having trouble getting credit I needed. I called them and they acknowledged in error they put it on there 2 times it should of been removed immediatly in my opinion
Product: Credit card or prepaid card

On XX/XX/XXXX I used points on my Capital One Venture card to pay for a Hotel Stay that appeared on my statement. Capital One immediately deducted the points ( XXXX ) from my points balance which should have credited my account for the {$100.00} hotel charge. The transaction shows in my Redemption History. 
As of XX/XX/XXXX, my account still has not been credited. 
Called Capital One on XX/XX/XXXX to report issue. Was told that there was a " system '' problem and they would open a ticket to correct. Called again XX/XX/XXXX, and today XX/XX/XXXX. 
Capital One does not appear to be correcting the problem which is entirely their error.

Capital One is in violation of our credit card agreement.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from Paypal out of nowhere stating that they have decided to permanently limit my account. I use Paypal to make purchases with my credit card from many online retailers, but the only selling I do on Paypal is for clothing and nothing else and I have been selling clothing for the last 4 years with no problems. I called them 3 times, the first two times the agents told me they were not allowed to tell me why my account was deemed as a risk but after reviewing my transactions they told me it must be a mistake and should be resolved within 24 hours. Nothing happened in a week so I called again where a Paypal agent by the name of XXXX was extremely rude and told me there was nothing I could do. I requested to speak with a supervisor and she told me one would call me within the day. It has been nearly a week and no supervisor has contacted me. 
I currently have {$1000.00} in my account which I was planning to use for rent that they are not letting me access. 
My email for the Paypal account is : XXXX This has brought me a ton of stress and has effected my wellbeing. 

I have attached a restriction notice that is available for me to view on my Paypal account 's notification center, a screenshot of my Paypal account main page, and a piece of photo identification for myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a derogatory " paid collection '' by a predatory collections company by XXXX & XXXX XXXX out of Tennessee. I submitted my full payment directly to the university via the university 's portal, not a collections company. However, when reviewing my credit reports, I was dismayed to learn that Trans Union LLC was the ONLY credit reporting bureau showing a derogatory account. I know for a fact that XXXX & XXXX violated many FCRA and FDCPA laws and as a licensed XXXX XXXX, I've compiled a court records and testimonies to corroborate a pattern of abusive behavior. 

I never received a letter from XXXX & XXXX XXXX nor could they ever prove to me that they were in compliance the FCRA/FDCPA laws. XXXX & XXXX XXXX never sent a letter, the university never provided me communications nor did they remit the services I paid for due to COVID-19. Since I am a survivor of XXXX XXXX I'm enrolled in the Texas Attorney General 's Address Confidentiality program where they assign a po box to receive mail in lieu of a publicly listing a physical address to add a layer of protection. I have attached that enrollment letter from when I joined the program.

Also, the university was not physically opened during C-19 and working remotely. Any letter they sent to me were not received. Despite paying the university, I now have a collections with a company I never interacted with! COVID-19 displaced many people and the university could not adequately follow with any notifications of derogatory payment. 

I submitted a complaint by the CFPB portal against XXXX & XXXX along with a formal dispute via Transunion.com, yet XXXX & XXXX is engaging in their typical " bully '' behavior and refusing any goodwill effort to delete the stain on an otherwise FLAWLESS credit report. 

This negative collection has dropped my report by XXXX points and is preventing me from opportunities and setting my interest rates higher. This is illegal. I have a tentative meeting scheduled with a news network who is willing to speak with me on the record for an " expose '' news story about this very matter should the issue not be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMGES OF NOT LESS THAN {$100.00} AND NIT MORE THAN {$1000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX 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: Credit reporting or other personal consumer reports

Subject : Urgent : Correction Needed for Car Loan Reporting with BMW Financial Dear Consumer Finance, I am writing to urgently address the persistent incorrect reporting of late payments on my car loan account, which was enrolled in a deferred payment program. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions.

Additionally, under 15 USC 166b, a creditor may not treat a payment on a car loan as late for any purpose. Despite my repe
ated disputesover nine timeswith the credit bureau, they are neglecting the fact that these months were deferred. Regardless of being marked as 30 days past due, no payment was due during the deferred period.

I urgently request your intervention for an immediate review and correction to ensure accurate reporting, removing any erroneous late payment notations. 

Please see statements to confirm this inaccuracy. 

Thank you for your swift attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c- 2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, loan opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Some of my recurrent instant online payments are on the same day that I get my direct deposit, I know that as soon XXXX  strikes the direct deposit is deposited in my account ; but Bank of America still charges me the overdraft fee for the online payment ; make it seem I didnt have enough money for that recurring payment ; they make it seem they cover the payment before my direct deposit was in my account ; its been several times that this happened.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

Notification and notice of insurance claim deposit and credit not available in account to use. Notice of fraud and theft by company. Notice of deceptive business practices acts
Product: Credit reporting, credit repair services, or other personal consumer reports

I give authorization for XXXX XXXX to move forward with this complaint. This account is currently in litigation in a Federal Court suit against XXXX XXXX XXXX. The account went to litigation due to a billing error that was ignored by XXXX XXXX. The account is being reported as late to the credit reporting agencies despite the fact that the entire balance of the loan is in Billing Error status. This is an adverse action and defamation and an extortionate act against the Federally Protected CONSUMER. The consumer is awaiting the courts signed summons to issue to XXXX XXXX.
Product: Credit card

I sent a check through XXXX  to Citibank on XX/XX/XXXX with a due date of XX/XX/XXXX. They claim they received the check on XX/XX/XXXX and charged me a 30 late fee and XXXX interest. 
I believe the check was received at Citibank and they sat on the check instead of depositing on receipt. The same issue happened the previous month. Their solution was I should call them each month to make a payment over the phone or use their app to make the payment.
Product: Credit reporting or other personal consumer reports

That are using fake information to keep my credit score low most of the information years old.Every year they keep updating the information, accounts which have off my credit report.
Product: Vehicle loan or lease

I informed the company I was a XXXX XXXX XXXX veteran on XXXX, and social security, that, That I was theconsigner, and that I would voluntarily surrender the care. The company never sent me any information on car, it wS reposed in XX/XX/2016, within this last week it was placed on my credit report after I had disputed it, The company placing it on. Y report is not the original debt, I have no contract with this, company that has placed this on my credit report. I am asking it be removed as legally they are not the lien holder, they have no right to my social security number, or my credit report, So I am asking that the CFPB ASK THEM TO DO THE FOLLOWING, REMOVE THIS FROM MY CREDIT FILE, This letter is in direct response to your companies answer to my disputes submitted ( Date ) for the accounts listed below. I disputed the inaccuracy in which these accounts were being reported. 
I dont understand how these accounts were verified when I was not sent any proof by way of your method of verifying the accounts listed in my dispute. So according to FCRA 611 ( a ) ( 7 ) I am requesting the description and documentation used to verify these accounts. 
There for I am also requesting that you provide me with the documents that you have on file as of ( DATE ) that your company is in compliance with Metro 2 reporting standards. Under the Fair Credit Reporting Act 15 U.S.C. 1681g, I believe it is my right to request that you provide me with the Header Record, containing 18 fields, which ensures that the information was identified correctly by the bureau. The Base Segment, containing 49 fields, which provides the specific account information for me. The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau to my particular file. 
Your response that these accounts were verified was not enough to satisfy the accuracy of these accounts. If you can not provide me with the above information as requested please delete these accounts accordingly per FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 
I am exercising my right provided by FCRA 15 U.S.C. 1681i to request that the above information be provided to me with the time allotted or these accounts be deleted from my credit report. Please do not continue to knowing report these items if there is no proof to their accuracy. 
If you are unable to provide proper redress for this matter, which is the Metro 2 compliance documentation and evidence to the accuracy of these accounts I will be forced to seek additional support by way of complaint to the FTC, and my Attorney General. 
If you are unable to provide the above documentation and evidence please delete these accounts and provide me with an updated copy of my report reflecting the deletion of these accounts.
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Experian on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit card or prepaid card

In XXXX, I opened a Citi Bank Double Cash Card. My account statement for the billing period XXXX XXXX, XXXX XX/XX/XXXX showed a rewards balance of {$470.00}. The next account statement I received, which was for the billing period XXXX XXXX, XXXX XXXX, XXXX, showed that the bank rescinded the cash rewards points I had earned, leaving me with a {$0.00} rewards balance. I am a senior, and as with many seniors and people of all ages, I had to significantly change my spending habits in response to the pandemic ; as such, I had no activity on my card from XXXX XXXX XXXX. 

Though the account remained open between XXXX XXXX XXXX, I did not receive any statements or other communications from the bank or credit card company ( XXXX ) during this period of inactivity. I also did not receive any notification or warning that I was approaching 12 months of account inactivity, and was at risk of losing the rewards points, or guidance with steps that I should take to avert the loss. 

Upon receiving a statement for the billing period XXXX XXXX, XXXX XXXX, XXXX showing the bank rescinded my {$470.00} rewards, leaving me with a {$0.00} balance, I immediately called the banks customer service number ( XXXX ) and spoke to a representative named XXXX. He told me that he put forth a " request for courtesy reinstatement of points to The Team ''. He mentioned my good standing and this was a one-time request. 

I received a form letter ( attached, dated XXXX XXXX, XXXX ) denying the request to reinstate my balance of {$470.00} rewards points. On XX/XX/XXXX I called the customer service number provided on the letter to ask for a review of my situation since XXXX had suggested he expected that I would be granted the courtesy reinstatement. I was transferred to a woman who declined to provide further assistance, and insisted that the letter I received indicated that my file was now closed and there were no further steps she would take to reinstate my {$470.00} rewards points balance.
Product: Checking or savings account

I sent an email to XXXX on XX/XX/23 with this message : My account XXXX, i got the 1099 and it says you withheld money from me, why did this happen when i am not subject to withholding? 

They replied with information that had nothing to do with my inquiry so i called XXXX and spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not, i was supposed to respond to this missing email with my fax # in order to also receive my previous 1099s I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 48 hrs, that did not happen I sent an email on XX/XX/23 with this message : Hello, I spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 28 hrs, that did not happen I want my paperwork sent to me and i will not call again and waste my time, if i do not get this paperwork within 28 hrs i will assume VIO is refusing to send it and i will be filing a CFPB complaint XXXX XXXX told me to call the XXXX #