23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a bank account with South State. I have been banking with South State for two  years now. On XX/XX/XXXX between six transactions with my brokerage, my account got double charged, which resulted in me loosing out more than {$3300.00} Around that date, I noticed on the transaction history that the transactions that were being processed were all out of order. After contacting the bank about the transactions they gave me a provisional credit of only $ XXXX.I took the {$2900.00} and left behind the other {$400.00} with no problems, because I have been banking there for two years. On XX/XX/2020 South State chose to revoke the provisional credit saying the bank has a Category system on the weekend which processes all credits first with debits following. After reviewing transaction history from both companies I realized XXXX XXXX had transactions processed on the correct time and date, while South State transactions where processed incorrectly. An example of what should have happened would be : I had {$700.00} in my South State account and debited it into my brokerage account, bought a  stock from my brokerage account, sold it, and cashed out {$700.00} dollars to my bank account. 

( Correct equation ) 0+ $ 700= {$700.00} ( south state balance before debit transaction $ XXXX $ XXXX ( south state balance after debit transaction ) XXXX XXXX ( brokerage account balance after debit ) XXXX ( bought stock from brokerage ) XXXX $ XXXX {$700.00} ( sold stock brokerage balance ) XXXX {$700.00} ( South state balance after cash out credit ) Incorrect equation ( due to South States category system ) XXXX ( South State balance after cash out credit from brokerage ) XXXX ( South state balance after bank error debit transaction ) After filing the first complaint, South State told me they would not refund my account. However, they said I could come in to claim my COVID check because they understood customers had many hardships. They also said they would pay up to XXXX in over draft fees that accumulated during the time. When I looked at my bank account just today I noticed my bank account balance was at a negative XXXX. This means I got charged for the COVID check which was a free check from the government. I have attachments to show you.
Product: Checking or savings account

Robinhood restricted my account and refuses to allow me to get my money from them. 

On XX/XX/2024 I tried to withdraw money from an Atm, which totaled {$500.00} after atm fees. The transaction failed even though I have plenty of money to cover it, so I tried to transfer {$700.00} to my credit union debit card, but that also failed, and robinhood restricted my accounts and refuses to let me have my money.

They have {$4700.00} of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reinvestigation, the information on my credit report is still inaccurate. 
( Date of Last Activity is inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section ( 5 ) ( A ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Debt collection

***THIS IS NOT DUPLICATE*** I am in receipt of a computer-generated letter from your company unsigned, unverified, unvalidated statements alleging some kind of debt. 

It is my policy to pay all legitimate debts, but also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exist between XXXX XXXX and ACCOUNT RESOLUTION CORPORATION Debt. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e. g. 

If you bought this as a debt collection device to make money as a debt collector, thank you for paying off the bill. 


NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent INQUIRIES XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

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

Experian dont fixed report show error in my credit. Reporting account opened fraudulent of XXXX XXXX XXXX XXXX and XXXX XXXXXXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct XXXX  score danger my record and limited opportunities get credit
Product: Debt collection

First and foremost, this company Absolute Resolutions Corporation needs to be investigated by the FTC immediately. What they're doing this borderline criminal. I had a XXXX credit card several years ago and the company closed and went out of business. Absolute Resolutions Corporation somehow purchased the debt and attempted to blackmail me in cilvil court by filing a lawsuit without notifying me or sending me any communications to this debt to my knowledge. 

I am filing this report to give attention to the FTC, because this company is taking advantage of consumers and needs to be stopped.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I was defrauded on XXXX on XX/XX/XXXX of XXXX, by a person who pretended to be a person who I personally know. My friend 's name is XXXX XXXX, and his XXXX account was compromised. Later we found out that his XXXX account was hijacked, and some person listed thing pretending to be my friend. He claimed that his uncle has an estate sale, and items such as trailer, tractor and other items were on sale at a steep discount. I direct messaged my friend using XXXX XXXX, and person on the other end said that his uncle will need a deposit and balance can be paid within a few days. I sent the person {$2500.00} as a deposit using Zelle from my business checking account with XXXX XXXX. 
The persons Zelle account was : XXXX The XXXX XXXX  failed to put any guard rails to prevent fraud like this. I have account with XXXX, and it limits money you can send via Zelle if person is new to Zelle. XXXX also puts a hold on the payment for a day, so there is a chance to stop payment, if there's a fraud. 
Please contact me if you need any additional information. I would like to escalated the issue into a criminal matter if deemed necessary to recover funds or prevent other victims falling to a same scam. I also might want to take matter with XXXX XXXX  for not putting guardrails to limit scope of such fraud from happening.
Product: Debt collection

I reached out to Affirm to inform them I am having a financial crisis and that I was unable to pay at this time. I asked for an extension of time to repay them. They told me that they do not offer that. Affirm has called my phone 20 times between XX/XX/2025 and XX/XX/2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.
Product: Credit card or prepaid card

I contacted Comenity bank which holds XXXX of my retail credit cards, in regards to SCRA benefits. Under Louisiana state law, my husband and I should have the 6 % interest rate cap applied to our credit card accounts. Louisiana is a key provision state and under their SCRA law, debt accrued before and DURING active service, rates the 6 % cap. Comenity has refused to acknowledge this law. I have submitted my husbands XXXX XXXX orders as well as our marriage certificate. Every other credit card, including my credit union, has acknowledged and applied those benefits.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX  Account # 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: Checking or savings account

Due to Comerica cutting costs, I reached out to the Branch MGR., but he was at another location covering another branch, they told me all the funds would be available by XXXX. 
I have been banking with this branch since XXXX  and never had a problem holding an amount like this?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been filing the correct disputes to the credit agencies according to the FCRA. MY disputes are not being filed correctly and the paperwork I attached is not being forwarded. The FTC reports are not going being attached to the disputes. I am not getting copies of the verification process. This is all in violation of the FCRA>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I request recondieration from Bank of America about the payment terms they have provided in response to XXXX. 

I planned to work with Bank of America when I get details that they promised as part of the CFPB case XXXX. Even though I didnt see a postal mail in USPS informed delivery website, I received a letter on XX/XX/XXXX from Bank of America XXXX 

So I am responding them about this and I am expecting reduced interest rate and payment amount so that I can pay off the debt without much financial burden considering his living expenses. 

I am unable to afford interest rate provided in the terms as well as payment per month. I left a feedback before receiving the letter on XX/XX/XXXX in CFPB case indicating I didnt receive a secure message or communication. I apologize for the same. 

As per the letter the principal amount is XXXX + fees XXXX + interest XXXX + purchase XXXX - payments XXXX = XXXX The interest amount calculated on principal is {$5100.00} for 36 month term loan. 

The interest charged is approximately 12 % per year for 3 years. 

I request the interest rate that is less than 10 % and payment term of at least 5 years. 

I think this will result in an approximate monthly payment around {$330.00}. Please consider my request. I am providing the letter received for reference.
Product: Checking or savings account

I have received a check of {$1900.00} from a company on Thursday, XX/XX/XXXX and i deposit the next day in my bank of america account on XX/XX/XXXX and they said {$300.00} available that day and the rest of {$1700.00} available to me Saturday XX/XX/XXXX.

The check was fraud and bank notified me on XX/XX/XXXX and i already used the money for this company buying XXXX cards of {$1900.00} on Monday XX/XX/XXXX. THE BANK WONT GIVE ME THE MONEY BACK. I WAS NOT AWARE THAT THIS CHECK WAS FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.
Product: Student loan

Beginning on XX/XX/2018 I have requested a deferrment application. And XXXX ( PH:XXXX ) has been determined not to send me a deferrment application. Also, I'm entitled to receive a deferrment Application.
Product: Money transfer, virtual currency, or money service

I attempted to invest in XXXX with a plan to store it in cold storage. Starting on XXXX and going through the end of the year, I accumulated XXXX BTC. After a test transaction ( and one other XXXX XXXX XXXX  ), the ability to send crypto off of the Coinbase platform was revoked ( XX/XX/XXXX ). I contacted their support starting out weekly and then eventually monthly. I felt like the lead me on by saying on multiple occasions that my " account is being reviewed by a specialist team and my ability to send would be reinstated on X date ''. So, I continued to build up my position because I felt like Coinbase was reputable enough in the crypto space and I have not done anything shady whatsoever and would never do anything shady. Anyway, the investment value grew to over $ XXXX USD and I was starting to get nervous about 1 ) my assets being on a crypto exchange where I am considered to be an " unsecured creditor '' so long as the exchange is the custodian 2 ) the horrendous support. They have a tier 1 support that you can contact and they are usually quick to help and respond, but I was given exactly 0 insight into when my sending feature would be reenabled and why it was disabled in the first place. They even told me that for security reasons they couldn't talk about the details of my review. I opened up a formal Coinbase complaint on XX/XX/XXXX regarding my ability to send. On XXXX XX/XX/XXXX they finally got back to me ( after the deadline they have for responding to the complaint ) and they replied with " In that case, we explained that To safeguard against potential loss from an irreversible transaction, your account has been prohibited from sending cryptocurrency off the Coinbase platform until XXXX XX/XX/XXXX. In the meantime, you can still convert your crypto to cash and transfer the funds to your verified bank account. ". So, of course I ask for more details and get nothing. I own the Bitcoin and I want to store it in a multi-sig cold storage setup, who are you protecting from loss??? At various times I completed various questionnaires and verifications ( the same ones multiple times ), but it never led to anything. If you had $ XXXX locked in a bank account for some reason, the bank would likely be very communicative about it. Coinbase seemed like they were trying to tell me the same generic thing over and over again until I just went away. On top of that, it was never proactive. Clearly I had a half a XXXX dollar concern that I expressed multiple times, but I had to continuously bother them if I wanted to hear anything at all. Anyway, I didn't want to, but I sold XXXXBTC simply so that I could reduce my risk exposure to a company that I absolutely do not trust at all. I paid them $ XXXX in fees and because I sold, the short term capital gains tax is going to be over {$30000.00}. I'm not going to give up on sending the remaining, but once I get my BTC off of Coinbase I will never use their services again.
Product: Debt collection

To whom it may concern I had a charged off credit account from XXXX from XXXX XXXX ( XXXX ) that was purchased by Spring Oaks Capital LLC. Spring Oaks Capital LLC knowingly and ILLEGALLY re-aged the debt from XXXX to XXXX and posted to both XXXX and XXXX in an illegal attp to gain 4 extra years to collect on the debt.
Product: Checking or savings account

Capital One refused to provide written instructions to consumers on how to close checking or savings accounts. The terms and conditions of the service disclosed to the customer never explicitly specify that customers who do not communicate via telephopne ( including TTY ) will not be able to close their accounts. In addition to that Capital One refused to provide reasonable accommodations to consumers who do not communicate via telephone ( including TTY ) under the Americans with Disabilities Act.
Product: Debt collection

I just recieved a court document threatening me to appear in court over a debt that is not owed to JHPDE Finance 1 LLC. I have never had an account with them yet they still leave notices threatening to sue. This is the third letter within two months that has been left on my property. I DO NOT OWE NOR HAVE I HAD ANY DEALINGS WITH THIS COMPANY AND I WANT THE THREATENING AND HARRASMENT TO STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's XXXX XXXX fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter
Product: Debt collection

The company involved is Dodge Enterprises Inc . The website is www.dodgeenterpriseinc.com/index.htm. The email contact is XXXX and XXXX. The phone number is XXXX XXXX XXXX XXXX and the fax number is XXXX XXXX XXXX XXXX. The mailing address is XXXX. XXXX XXXX XXXX, FL XXXX. 
The matter involved a judgment that ended up in an unfair wage garnishment. This company agreed in writing in 2015 to settle a {$15000.00} debt for {$1000.00}. In 2015 I offered to settle the debt for {$500.00}, but because I could not give them {$1000.00} within 14 days, my wages were garnished in the amount of over {$10000.00}. 
I explained the sever economic hardship that I was under and asked them to reconsider the offer of {$1000.00}, but because of their sin of greed and intent to harm and oppress the poor, they continued the garnishment as a means of punishment to me, yet financial gain and profit for them. I wrote them multiple letters trying to get them to refund monies garnished less {$1000.00}, but they refused.
Product: Credit card

I purchased a computer in XX/XX/XXXX from Best Buy under understanding that paying in 24 months is same as cash, no interest charge. I setup payment for XXXX XXXX month, which would have completed payment in full in approximately 14 months. After 12 months, my statement ballooned with over {$1200.00} in interest charges. 

I called Best Buy on XX/XX/XXXX, and was initially told that they put the " pay by date for no interest '' on each statement ( I looked, that is correct, it is at the bottom of the statement in small print ). That date was XX/XX/XXXX. I said that {$1200.00} is WAAAAAY too much for even 12 months interest, the agent explained that was for 24 MONTHS of interest charges applied over 1 year. I said that is ABSOLUTELY deceptive and illiegal and we will file a complaint with our State SOS office and the CFPB. 

I was put on hold for about 5 minutes, the agent came back and said if you can pay off the remaining approx {$200.00} by XXXX XXXX, XXXX, then no interest will accrue. Well, that would have been the EXACT date originally setup on Auto Pay ( 14 months from purchase date ) and would have paid off the amount 10 months earlier than I understood the promotion to be. 

From my perspective, their quick agreement to accept a final payment ( which I made TODAY XX/XX/XXXX ) and remove ALL the interest charges speaks to the fact their promotional practices are deceptive at best, and most likely illegal ( like charging 24 months interest over 12 months time period ). 

Looking forward to hearing from you and how Best Buy and their partners are going to be held accountable.