23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Premier Student Loan Center ( PSLC ) contacted me stating they could reduce my student loan because they had an agreement with the United States Department of Education Fed Loan Servicing If I made payments to them they would negotiate my student loan repayments and so long as I made these payments for 20 years, consistently, the remainder of my student loan would be forgiven. They took from my checking account {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX. Starting XX/XX/XXXX of XXXX until XX/XX/XXXX they took {$40.00} from my checking account. I noticed the payments were no longer being taken. I called PSLC and to my surprise found out they were put out of business and there is a lawsuit against them. XX/XX/XXXX The Consumer Financial Protection Bureau suspended their operations due to suspicion of fraud in Minnesota and 2 other states. The message said to go to XXXX to find more information. There was very little information and it said I should have received an email including me in the lawsuit against PSLC. I did NOT receive any email stating this. I called the United States Department of Education and was informed that PSLC was a scam. To my shock I found out that PSLC lied to The Department of Education and told them I had 3 dependents, to lower my payments. I do not have any dependents and NEVER stated I did. Not a penny of what I paid has gone towards my student loan, the balance has continued to increase. NOTHING WAS PAID TOWARD MY STUDENT LOAN!! THEY HAVE STOLEN ALL OF MY HARD EARNED MONEY!!
Product: Debt collection

I originally took out a loan from XXXX. This loan was sold to XXXX who then moved it to Warren Asset Locations. The company 's phone number is XXXX. I sent a cease and desist letter on XXXX, 2017 both by fax and email. I spoke to a women by the name of XXXX on XXXX/2017 that confirmed they had received this letter. On XXXX,2017 and XXXX,2017 I was sent emails. Today on XXXX they called me at work 3 times with in 5 minutes. When someone would answer the phone they would hang up. I have pictures on my phone of the caller ID. Before the letter was even sent I had asked them not to contact me at work or any other 3rd parties. It appears that this company does not follow the laws. This is the second step that I am taking to stop the harassment. My 3rd step will be a law suit.
Product: Checking or savings account

On XX/XX/2023 I went to XXXX XXXX Bank, XXXX XXXX XXXX, XXXX MI. 
The drive thru ATM was out of service. I parked and went into the lobby and there was an ATM machine thru another set of double doors- but it was locked. I drove around the bank but wasn't able to find how to get into the other doors. We are new to the area so I don't know my way around XXXX very well. On XX/XX/2023 I went into the bank to make a deposit. I was telling the lady that was waiting on me what had happened on XX/XX/XXXX and that I had to pay XXXX dollars in fees at XXXX because we were going out of town and I needed the cash. Some woman came up behind the teller and interrupted our conversation and started telling me where the door was to get to the inside ATM - she told me to get my purse and follow her!! I was so surprised I just did what she said ( I am assuming she was the manager but she didn't introduce herself ) The teller said to her ( the manager? ) as she was taking me across the bank to the doors - that our transaction wasn't complete and I still had money coming back. so she showed me where it was ( the indoor ATM ) and told me what street I needed to be on to get to that door. I thanked her and went back to finish the transaction with the teller. The manager? went around and looked at the teller 's screen and told the teller if I would switch my checking account to a PERK account they would reverse the XXXX dollars. At that point I just wanted to leave and the teller asked if I wanted to switch my account. I said no I do not wish to change my checking account - good bye! While i was driving home I thought I have been with Huntington bank since the bought out my previous bank- I have XXXX accounts with over {$100000.00} The account that the fees are on is a checking account ending in XXXX. ( We recently moved to this area so I do not have the full account number ) why would that manager treat me likeI was XXXX and drag me around the bank and interrupt my transaction- she was so unprofessional- and she should have reversed the XXXX dollars because I am a good and loyal customer. thank you XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX MI. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect report in my account from XXXX XXXX XXXX XXXX. 
I have never used XXXX XXXX in my home and I have never stayed in the addressed.
Product: Checking or savings account

Sending this complaint because Chime closed my account with my remaining balance. I'm requesting assistance to receive my balance that was due to me upon the closing of my account. I have not been able to verbally speak to anyone in reference to this matter. I am aware of an account closure but they need to send my funds in the form of a check. Please help me wit this situation.
Product: Credit reporting or other personal consumer reports

They never sent me information on why they couldnt remove the error off my report to fix my score
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, linked to the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me, and I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to substantiate my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

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

DISCOVER BANK please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account is due to be removed from my credit report in XXXX. You are also furnishing different information between the XXXX bureaus such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable as of XXXX. Why do you have a balance reporting in XXXX when this account is closed and past the statute of limitations? You failed to send debt validation as well as the 1099c for this supposed charged off account. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. I'm quite sure your CEO OR VP wouldn't want to be in court for this matter. Any US Code in the FCRA that any corporation violates, the consumer is entitled to actual damages and monetary compensation. Please see the attached docs and remove the aforementioned account from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX an authorized card holder for my account attempted to make a payment in the amount of {$2000.00}. The card was declined with the code " insufficient funds '' while I had more than $ XXXX in available credit. The card holder called in, and had a very poor experience with customer support. They made her reveal personal information about herself like her name, email, dob, last four of social, full card number, etc. After doing this they told her they need to speak to the primary card holder and it can't be helped. 

I then proceeded to speak to the gentleman who did not care at all that we have been customers with both personal and business credit since XXXX. He then required me to verify name, email, dob, last four of social, card number, etc. After this he then forced me to send my actual drivers license to the business. I asked to speak to a manager, after which I was required to send my drivers license a second time. After that, I was forced to provide every intrusive PII detail about myself, my business, and every card holder. This included ever phone number, email, address, and PII for all cardholders. Every data point on the account. The process took over 30 minutes. 

After this, the transaction was still declined with Capital One on the line. This took 56 minutes in all and three failed charges for them to authorize me to use my own card. This is the third time they have caused these issues in the last 6 weeks over my personal and business accounts. I raised the issue and they said that I need to get used to it. In order to decrease their risk they have become out of control in how they treat customers. I asked them to whitelist my accounts for future issues and they told me they will not do that and there was no other manager I could speak to, and refused to transfer me to anyone but the call center supervisor I was speaking to. I have done hundreds of thousands of dollars worth of business with Capital One. It doesn't matter, no customer is safe.
Product: Credit card

Over the past two years, I continually receive blank bank checks in the mail related to my Barclay 's XXXX  Mastercard account ( XXXX ). I have called Barclay 's numerous times asking the bank to STOP mailing me checks. The last time I notified Barclay 's to stop sending checks, they opened a Case ( XXXX XX/XX/2023 ) to address my issue. However, again on XX/XX/ I received blank checks in the mail! 
I do not want the blank checks mailed to me because scammers can steal written checks from my mailbox and scammers can use chemicals to erase and rewrite checks to themselves, sell my personal info or use it to create counterfeit checks. Even the outside of the Barclay 's envelope has written, " You XXXX Essential Rewards Mastercard ... '' that tells scammers the letter has Mastercard info enclosed. 
I want Barclay 's to stop mailing me blank checks!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have paid my mortgage to XXXX XXXX  XXXX. I never saw any improvement on my score. I am a XXXX wines and have been having issues with the credit bureaus. I have paid on time and none of my scores have improved. It now XX/XX/2020 still after all the investigation and disputes no improvement on my score for paying on time. I know that my score should go up but it keeps dropping. I can not purchase a car for getting to the doctors office I have a XXXX XXXX. I do not know why Im being discriminated against my XXXX and age and race. 
All three credit bureaus have stopped my scores from improving. 
XXXX XXXX never boosted my scores. 
Experian, XXXX, XXXX  never posted my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX usage - % credit usage unavailable Balance - Balance updated- Credit limit {$250.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Card Payment summary 2020 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - Status Paid, Closed/Never late. 
Status updated XX/XX/2020 Highest balance $ 164 Monthly payment - Last payment dateXXXX XXXX XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I called the lender and requested that they remove the late payment due to Covid-19 from my credit report. My state had at the time shelter in place, at the time of the missed payments. I was quarantining yourself due to XXXX symptoms. This situation was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track. I want the late payment removed from my credit score.
Product: Credit card

I think a class action suit needs to be brought against all these credit card companies that are lowering your available credit because your utilization is too high. It is lowing credit scores. 

It would be different if there was late payments on the account or other issues but when a consumer is paying perfect for years and years, and the only negative this is that they recently used their cards more, now I am getting punished? The credit company issues the amount and said " here, you pay your bills, have this {$10000.00} credit limit '' but I better not use it because when I have XXXX on the card, my limit is dropped to {$7300.00} for instance showing my utilization is almost at 100 % instead of 70 %, etc. And don't get me started on the credit cards who have threatened to lower my limit since I never use the card. " You better charge something within the next 30 days or we are going to lower your limit or close your account '' How is this fair to the consumer????
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. Transunion and XXXX failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them
Product: Credit reporting or other personal consumer reports

XXXX XXXX calls me NON STOP. I do NOT WANT nor have I EVER applied for a loan with XXXX XXXX. I am on the DO NOT CALL list with the FCC and it does not help. My rights, privacy is constantly invaded. Make these calls stop now or add me to a class action lawsuit.
Product: Credit card or prepaid card

On XX/XX/XXXX I received two emails from Citlibank informing me they reduced my credit limit on two cards I have with them by a significant amount. My Citi Rewards card limit was reduced from {$6500.00} to {$1900.00} and my Citi Double card limit was reduced from {$6300.00} to {$1800.00}. These accounts are between 3-4 years old and have always been in good standing with payments made every month on time. 

Recent payments I made on these cards on XX/XX/XXXX of {$4300.00} and {$4200.00} respectively reduced my credit utilization on these cards to below 30 % which would improve my credit score. Now that Citibank has decreased my limits it raises my utilization on those cards to over 95 % which hurts my credit score. My recent large payments to them constituted 66 % of a 0 % balance transfer promotional offer made months ago that was effective through XX/XX/XXXX and XX/XX/XXXX. I was on target to pay the entire balances off long before the promotional rates expire. You would think this would be a plus, not a minus. 

I called Citibank to ask why they reduced my limits and they would only tell me there was something on my XX/XX/XXXX XXXX report regarding balances I had with two other creditors. They would not give more specific reasons why they did this or which two other creditors they were referring to. They told me to call XXXX and ask them why, which I did, and XXXX could find nothing whatsoever derogatory on my XX/XX/XXXX credit report that would explain why Citibank took this action. All my payments to all my creditors have been made and on time. 

I have been in process of improving my credit score for several weeks. Citibank lowering my credit limits will cause my score to decrease while I am earnestly making efforts to increase my score. I am worried my other credit card companies will now follow suit, lowering my credit limits, and that my credit score will keep decreasing instead of increasing. I would think Citibank has to give me a reason for their actions and give me an opportunity to appeal their decision as I see no valid reason for them to do this. If I had only made the minimum payments on these cards at 0 % interest they would not have been legally permitted to lower my credit limits and charge me over limit fees, so by me making large payments and them subsequently reducing my credit limits it seems they are punishing me. This does not seem right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of 2018. I was incorrectly billed and I have proof. 

Please review attachments!
Product: Checking or savings account

XXXX at XXXX I was cld by phone by XXXX from from XXXX XXXX for a loan and it was apprvd, he sent a link to my phone to registration and the website looked just like the real one, there a field for bank info and I entered my login and pass to XXXX since he said he was going to make XXXX deposits in my account to verify and I wld get a text msg with a security code, I gave him both codes then I read the last sts mobile deposit made, I immediately logged in to the WF portal I noticed the monies were moved from the accounts and I hung up and urgently cld WF fraud and explained, we chngd user and pass and got new ckng account I was told not to mess w the deposits and they would cancel out after the investigacin. claim XXXX REF # XXXX the account had {$1700.00} but rep said deposit were pending.XXXX the ckng had the rt bal of {$3400.00}. at XXXX I ckd my account it was XXXX now w duplicate charges and deposit all accounts were now negative at XXXX I spk to XXXX rep who by XXXX still didnt have a clear answer the claim # and ref # I gave the rep said were no good since they dont make notes on acct from dept to dept.XXXX XXXX rcvd email that due to all the moving of monies and bounced cks on the acct they froze my acct and I will be dismissed as a client after XXXX loyal, I cld and said I DID NOT MOVE THE MONIES but all were by diff reps and I askd for a mngr told there was none several times until I reached. XXXX who said he was the top mngr of XXXX XXXX XXXX  REF # XXXX he went ckd each acct and by XXXX and XXXX questions I was told the acct wld be fixed again and monies put back, The bal was to be {$180000.00} at XXXX the account was NOT fixed but now close to XXXX XXXX all the deposits and monies moved in add to the other XXXX accounts now being negative.I cld and was very rudely told that there was nothing lft to do and it cld take XXXX I broke out in tears I am a single mother of XXXX I have no cash no way to get any money due to neg bal and acct frozen. I am out in XXXX I had no help nor answers from XXXX days XXXX and wasted hrs on the phone. This is the worst exp I have EVER had.I hope this email reaches someone that has some empathy and can help make the situation right and I can get access to the bal that is due. Respectfully
Product: Credit reporting

Equifax said : Explanation of closure I have a confirmation from Equifax " please see below " From XXXX XXXX 2016, however, this item still not reporting on my Equifax credit report. 
" Equifax has reviewed your complaint and its records regarding your dispute. XXXX XXXX should begin appearing on the credit file within the next 60 days. Written confirmation has been sent to you. ''
Product: Credit card or prepaid card

XX/XX/XXXXXXXX  - The riot, protest, whatever occurred in DC. - I was not there. 
XX/XX/XXXXXXXX  - The FBI and Bank of America discussed needed information on ( 1 ) A list of BofA card users that used their card in the vicinity of DC, VA, MD from XXXX - XXXX and ( 2 ) ANY PERSON THAT PURCHASED A FIREARM " GENERALLY '' WITHIN 6 MONTHS. 
Email will be attached. 
XX/XX/XXXXXXXX  -- After hearing about testimony of a whistleblower I wanted to know if my name was given to the FBI because I purchased a firearm on this card. I called my bank and was assured that legally the bank can not give that information out and that BOA adheres to all Federal Laws on Customer Privacy. 
I followed 2 CFPB complaints that resulted in BOA telling me I do not own the account - false information. 
I filed a complaint with the OCC - BofA Regulator. - Denied I filed a complaint with the FTC - No word I filed a complaint with the FED - They do not regulate National Banks. 
I filed a complaint with Sen. XXXX XXXX, Sen. XXXX XXXX, Rep. XXXX. - Nothing The response from the last complaint was not shown as public, and the Bank wanted me to call a number for a discussion. I have called that number several times, no names, just a voice mail that is never answered or returned. 

This is going on since XXXX. The emails are in the Judiciary Testimony of FBI XXXX XXXX XXXX. BOA knows whose name they gave to the FBI without a warrant. 

That is why they keep me in limbo with follow-ups that do not occur of phony numbers that don't work and Erroneous communications to a Federal Agency ( CFPB ) that allows them to defer giving me the answer that could would loosely associate me with XX/XX/XXXXXXXX  events.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau.

12 ) The credit bureau 's have not responded to my initial or Demand Lette.