23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid the monthly payment, online through Capital One 's website, in the amount of {$50.00}. The minimum amount owing was {$46.00}. The next morning when I checked my bank account, the site had taken {$1400.00} from my account! I called and was told there was a hold on the payment, since they thought it was " odd '' ... .but they could n't do anything about it, except put me in touch with a representative from my bank. My bank said they could dispute the charge, and reverse it, and that 's what I did. I then sent a payment of {$50.00} via a check, ( not wanting to go through that nightmare again ), which they received and cashed. Two days later I received a letter saying my credit card had been closed, but I still owed the balance. Then I get a bill from them for the entire balance, plus a late fee and over limit charge.
Product: Credit reporting or other personal consumer reports

XXXX  Victims Letter to Consumer Reporting Agencies XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Subject : Request for XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] Dear Sir/Madam, I am writing to inform you that I am a victim of trafficking. The accounts listed above, which are reflected on my credit report, are a direct consequence of this XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within four ( 4 ) business days, in accordance with Section 605 ( c ) of the Fair Credit Reporting Act, as well as 12 CFR Part 1022 ( Regulation V ).

Please provide me with a notification regarding the actions taken. I appreciate your prompt attention to this urgent matter. 

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

Despite my earlier correspondence, it appears that the issue has not yet been resolved. The presence of these late open accounts on my credit report is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your prompt attention to this matter is necessary to comply with these legal obligations. I kindly request that you escalate this issue and take all necessary steps to correct the late open accounts in my credit file. 
Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct the accounts : XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX Balance : {$49000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 any purpose.
Product: Checking or savings account

I went to my bank, Citizens bank on XXXX XXXX in XXXX PA XXXX and asked them to cash some XXXX bonds I have. I have my accounts with Citizens bank. They refused. I then went to another bank, and was told if I had an account with them, they would cash my bonds. I want Citizens bank to cash my bonds as others banks would do.
Product: Money transfer, virtual currency, or money service

Someone hacked my PayPal account and sent three separate payments of {$1000.00} I disputed this with PayPal and they denied my claim and the reason stated is that that this transaction is consistent with my PayPal history. Then they sent me a email on XX/XX/2023 saying the dispute was in my favor but I still havent received my money back and they said I would have it within 5 days. I contacted them multiple times now they telling me to go through bank and do a charge back. 

Dispute case ID XXXX XXXX XXXX {$1000.00} USD Dispute case ID XXXX Dispute amount {$1000.00} USD Dispute case ID XXXX Dispute amount {$1000.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters into XXXX, XXXX, & transunion. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.
Product: Credit reporting or other personal consumer reports

The credit card company ( Citi ) never provided the entire balance and payments made on account like I requested as I discovered inaccuracies and stated something fishy had gone on. After they sent the case to court I presented documents I was on XXXX XXXX and the judge dismissed the case and said there should not be a charge off. I have a court document. Citi keeps reporting delinquent on my account monthly and its affecting me. I tried to resolve it with them but to no avail
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I purchased and paid XXXX, XXXX, out of XXXX XXXX XXXX, UT, digital currency ( bitcoin ) out of their XXXX APP, but they NEVER sent me my bitcoins that I paid them, I have called them, and emailed them several times, but they will Not give me the product that I paid them. And it is now XX/XX/2019. The date of purchased was XX/XX/XXXX19, the amount that I paid them was {$60.00}, I have contacted them several times by phone and email, but they will Not give me the product that I paid them. They did me Wrong!
Product: Credit reporting or other personal consumer reports

XXXX XXXX I sent a dispute and explained that I noticed somethings on my credit report that I didnt recognize that they werent mine
Product: Vehicle loan or lease

I bought a car in 2015 and it was the 2nd car through the dealership, the first car was broken so I was roped intoo a new purchase of a used car and I'm paying for 2 cars but driving 1. Ally financial has changed my address without my permission ILLEGALLY or my moving so I do not receive correspondences. I have called over a dozen times to resolve the issue, they said an investigation is underway, I ha ent heard anything in over 6 months. They also, never changed my due date when requested and I just feel I'm being completely ripped off by ally AND the dealership. they use racketeering practices and are XXXX.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a letter on XXXX/XXXX/XXXX but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Debt collection

I owe American express money for a credit card I used and was unable to continue paying in XXXX when I was left without work for about a year. I tried on several occasions to make a payment plan and American Express refused it each time and would not accept any installment I tried to make. I was not even asking for a lowered settlement amount. I asked for a lower monthly installment for XXXX  months while I got back on my feet and then we can establish a different payment plane that suited both parties better. American Express refused. on XX/XX/year> ( I have a copy of the letter date and time stamped ) I wrote American express and asked them to please accept $ XXXX month to start paying off my credit card debit and this time they did not even respond. Now I find out through 3rd party attorneys that are contacting me to let me know that American express filed a lawsuit against me without warning and without trying to arrange a payment plan that I could afford
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

Portfolio Recovery Association representing XXXX XXXX XXXX   XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1600.00} XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

someone opened an account in my name I did not give permission
Product: Credit card or prepaid card

Since XX/XX/2021 I have trying to get my money back from unauthorized charges from XXXX and a canceled order from XXXX cashapp have lied several times and refuse to get my money back from merchants. I have selected these authorized charges at least 7 times and cashapp is prolonging this issue they continue to lie and say ah investigation was open and no updates and then tell me get to my money back from the merchant
Product: Checking or savings account

My card was charged for three different theme parks in one day, in California I live in Texas. They were not authorized transactions. I contacted the bank as soon as I seen them, they said I would have to wait till they clear to dispute them. I was refund for two and one fell off. A week or so later they put one charge for XXXX XXXX back on my account over-drafting it once again. Their reasoning was they had no proof it was fraudulent. I am out that money and they say that things arent looking good and it is probably not going to be reimbursed. So now I am out all that money for someone I dont even know to go on vacation. Their system should have caught it, seeing that anytime I go out of town and purchase something they lock my card. Also to add they canceled the wrong card the first time we called, not the one with the fraudulently activity. Prosperity Bank of Texas does not care about protecting their bankers.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. TRANSUNION Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized credit inquiries on my report according fcra these unauthorized and unverified items must removed XXXX XXXX XXXX its illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX on XXXX and Experian
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C.1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of Identity Theft and Fraud, within four business days of you receiving this complaint.This Fraudulent, inaccurate, and false information consist of XX/XX/XXXXXX/XX/XXXX {$420.00}, XX/XX/XXXX XX/XX/XXXX {$570.00} which in turn led to collections with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX {$420.00}, XXXX XX/XX/XXXXXX/XX/XXXX XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report.I demand that the aftermentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCA and FDCPA Laws i have already filed an Identity Theft complaint FTC # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aftermentioned accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Checking or savings account

Hello, I have a checking account and credit card account set up with Truist. I would like to pay off the balance I have on the credit card and so I would like to deposit funds into the Truist checking account to then directly pay off the credit card. However, there's been numerous hurdles that Truist hasn't bothered to rectify as they've totally abandoned me to navigate all of Truist 's shortfalls. All the while Truist is in a position to penalize me for delays that are fundamentally caused by errors with their systems on their end. 

I first attempted to connect an external non-Truist account through their transfer screen. I added the information on all the fields for this external account and the screen notified me that I would need to wait until trial deposits were sent into my account. I saw the trial deposits appear and I reached out to customer service to ask why I couldn't verify my account and they let me know it might take XXXX days for the button to appear. First mistake on Truist 's end is that they sent me XXXX trial deposits and their system only had XXXX fields to verify the trial deposit. I verify XXXX of those trial deposit and the screen on the mobile app says the account is verified. However, I didn't see any option to access that external account, ie when I follow the process to execute account transfer this new non-Truist account isnt showing up. Interestingly the Desktop site for Truist doesnt even show that the external account exists, although once I try submitting it again a notification comes up that completely contradicts the page. The system is such a mess that it both can not find the account and confirms its already been verified. I contact customer service and the process has taken over XXXX hours and multiple agents and still no solution has been made available. The first XXXX minutes I spend explaining to the agent that this is simply a case where Truist has made a mistake and Im left holding the bag and dealing with the fallout for their mistake and that this isnt an issue that I can be solve from my end this isnt a matter of me missing a step. Once they understand the situation it becomes a guessing game of which department Ill be left waiting on hold which is to say another way of passing the buck. After all was said and done the technical XXXX apologized for not being able to resolve the issue after again spending multiple minutes explaining the multiple issues. Still Truist expects to be paid even if their own systems fail at making this happen. 

Allow me to summarize. The system Truist is using for transfers has some serious issues. Though the account says verified it doesnt show up for their transfer process. The information between the mobile and desktop versions show XXXX different realities. The desktop version both says that there isnt an external account and that it already exists. Ultimately the customer service agents take up many hours and dont produce any solutions and Im on the hook to pay Truist using broken infrastructure that theyre responsible for fixing. This is at the very least a conflict of interest.
Product: Credit card

Had a barcleys credit card opened in XXXX 

Rewards stolen, apr incorrect, credit line, and tried to reopen, declined... all credit stolen ... by XXXX 

Identity ... theft defamated discriminated forgery restricted discriminated ilegally, persecuted ilegally, retaliated defamated blacklisted Miles rewards, etc.. gone...
Product: Vehicle loan or lease

In XX/XX/2020, I called and requested an extension for the months of XXXX and XXXX. It was approved and I received a letter dated XX/XX/2020 as proof. In XXXX of 2020, I noticed the late payment on my credit reports and called and called BBVA. The rep informed me that he would report the incident to remove it. In XX/XX/2020, the late payment remained so I called back on XX/XX/XXXX and spoke to XXXX. He claimed the same thing. I even disputed the late payment with the credit bureaus and BBVA refused to remove the late payment. I have made three attempts to have BBVA change the late reporting but all has failed.
Product: Credit card or prepaid card

I contacted the Company FREEDOM DEBT RELIEF to help me settle with XXXX XX/XX/XXXX because I had lost my income and I fell behind on paying my credit card monthly statement. FREEDOM DEBT RELIEF informed me that they could help me cut the debt in half by settling with XXXX on what I owed them which was about 5000 dollars but after paying FREEDOM DEBT RELIEF XXXX every two weeks for about eleven months, they did not try to settle with XXXX XX/XX/XXXX until I called to ask why. Then I found out about all the fees that I had accrued over the eleven months that I was not made aware of that added up to more than I would have paid if I would have just paid the debt off myself. I am very Disappointed with the FREEDOM DEBT RELIEF COMPANY and I know I can not get my money back from them until I pay all the exorbitant fees that they have added on. I have paid them over {$3400.00} dollars when to settle with XXXX was about 2800. I offered to pay them the {$1000.00} they said that I owed them to settle with XXXX XXXX  at the end of this year but they said I would have to pay them close to {$2000.00} with the other fees that they have added.
Product: Mortgage

documents would be given to servicer on time and I never got notification in writing on the days of that my loan modification application has been satisfied or complete. I do recall getting emails stating to log in onto the Mr. cooper website but no document until AFTER a decision was made and this has cause a lot of harm because of the inaccuracy and untimeliness of the loan servicers employees
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on my Transunion credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit card or prepaid card

On XX/XX/2021 I received an email stating I opened a credit card. When I checked my credit report I noticed that a credit card was opened in my name with a credit limit of {$4000.00}. I was involved in identity theft and credit card fraud. I reached out to the company to close the account. They said they were going to mail me an affidavit but have not received anything. I went to my local police station to file a police report. I also filed an identity theft report with the FTC. I need Genesis Financial Services to remove my account from all 3 credit bureaus. I never opened an account with this company.
Product: Credit card

I'd like to get a credit card from Barclaycard because they are the sole issuer of JetBlue co-branded cards. 

Each time I apply, they deny me without pulling my credit report citing unsatisfactory account history with Barclaycard. 

I previously had credit cards with Barclaycard. For some reason they won't tell me they decided to close my cards on XX/XX/. It has been more than 7 years since this passed and yet they won't issue me a credit card. 

As a XXXX area traveler it's very important to me to have a JetBlue co-branded credit card, and since Barclaycard is the sole issuer of JetBlue cards I find myself in a bind due to Barclaycard 's lack of consideration in issuing me a credit card.