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

Sofi bank back in late XXXX early XXXX restricted my account due to a wire transfer. The amount was {$7000.00}. roughly after receiving the wire and using the funds for payment Sofi restricted my account and did not let me access my funds or even let me make deposits. I have been reaching out to the for a year now to see when my account will be unrestricted and I have just been getting the run around. They state " that my case has been escalated and I should hear back from them soon but they can't say when '' it's been a year now and still the same thing. I asked for a supervisor who can explain what is going on to me in better detail and they just hang up the phone on me. They will not let me close my account so they can return my funds back to me in form of a check. This bank is practicing in fraudulent activities. They need to return my money back to me ASAP
Product: Credit card

American Express sent me a bill on XXXX XXXX 2016 for a balance or a minimum payment due on XXXX XXXX 2016, I paid my bill on XXXX XXXX 2016 for XXXX times the minimum payment due, however, i was charged a late fee and received a past due minimum payment for XXXX on the XXXX XXXX, 2016 statement. I phoned American Express and shared my XXXX XXXX payment which was made on XXXX XXXX, 2016 and owed the minimum payment of XXXX for XXXX, but the company applied my payment to the XXXX bill. I was advised that I made my payment too early, that bills had to be paid the the day after the statement date. I do not have this payment rule in any cardholder agreement for payment. I spent 4 hours on the phone being passed from agent to agent and had to pay an errorenous minimum payment and wait for XXXX adjustment. I do not have disclosure needed from American Express about how payments are applied that are received prior to due date or how late payment and interest is applied. The removed the late payment and supposedly noted the account that XXXX was not passed due. I asked to speak to a Manager or a Supervisor, and was put on hold by XXXX different agents for 10 or more minutes for the another person to come on but did not identify themselves as manager or supervisor and repeated the same info. The customer service department is not located in the US and when you call corporate headquarters in XXXX, you are transferred back to XXXX. The written customer complaint is a PO Box # with no name attached to whom to send the written complaint.
Product: Debt collection

My debt was resolved but it is still appearing on my credit report and the debt collector continues to contact me attempting to collect the debt. The debt is still appearing on my credit report because the company is attempting to collect. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$280.00} Open balance 10 XXXX XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 1 yrs, 1 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name 10 XXXX XXXX XXXX -- -- -- -- -- -- -- ITEM IN DISPUTE : PENN CREDIT CORP 10 XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. 

CONTACT INFORMATION PENN CREDIT XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

This is a follow-up complaint from my two previous complaints ( XXXX and XXXX ). 

A fraudulent actor applied for a credit line with OneMain Financial with my personal information on XX/XX/XXXX. I do not have a relationship with OneMain and never applied for a credit line. 

In the prior compliants, OneMain instructed that I fill out an Identity Theft form and file a police report. I did both of these and mailed the documents to OneMain Financial on XX/XX/XXXX. 

I have not heard back from the company, so I am filing another complaint as a follow up. I am also attaching the identity theft form and the supporting documents, which include my drivers license and proof of residence ( they do not match the applicant 's credentials ), as well as the confirmation slip I received from the police station ( XXXXPD ) after filing the police report.
Product: Debt collection

I received an invoice from XXXX account number XXXX and called them on XX/XX/XXXX  to let them know that this is a fraudulent account. It. I spoke to employee XXXX employee number XXXX. She stated that it would be canceled. 

Unfortunately it was turned over to a collection company at some point. 

This is not my account and I never requested the service.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern about the inaccurate representation of accounts in my consumer report. It has come to my attention that I never provided written consent for the inclusion of these accounts in my report, which, in my belief, constitutes a breach of my rights as outlined in 15 USC 1681b. This breach specifically relates to safeguarding consumer information and the essential requirement of obtaining consent prior to reporting it. 

I've already initiated a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, which is XXXX. Furthermore, I've made multiple attempts to request the removal of these entries from my report, only to receive unsolicited documents from the creditor. My grievance is aimed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly block the reporting of any information in a consumer 's file identified as originating from suspected identity theft. In light of this legal obligation, I respectfully request your prompt action in removing the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Requesting Removal of Unauthorized Inquiry XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX  Your prompt attention to this matter is greatly appreciated, and I trust that you will act in accordance with the law to rectify this situation promptly.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from a credit card company for a card I never applied for from Comenity Bank. I called the number listed on the letter to tell the company I hadnt applied for the card. The number was XXXX. I verified some information on the phone. The woman on the phone said I was a victim of identify theft and said they would report the incident to the credit bureau. I am now unsure if the letter was legitimate or if was to get my information.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX  XXXX XXXX {$2600.00}, XXXX XXXX balance {$150.00}.
Product: Checking or savings account

I use Chime for many years now. So when I was able to work before my XXXX I used their XXXX  XXXX feature that lets you borrow money until your next payday. I was layed off from work on XX/XX/year> so they took money from that check to pay the XXXX XXXX I borrowed now they saying I still owe XXXX so I played a couple of online casino games to try and get a few dollars for me and my XXXX kids and I won XXXX so it was deposited to the Chime account and they took it to use toward the XXXX XXXX before consulting with me. I have put money in the account at stores and they have not taken it. I want my money back. Customer service was no help and rude.
Product: Credit card or prepaid card

Dear Sir/Madam Im reporting this issue here with a purpose to raise your attention. I once contacted our Customer Service via phone months ago, and was then issued a case number XXXX. I was told I will be reached after 1 or 2 weeks, but I never received your response by phone or by mail. I understand it might be the COVID-10 pandemic that disrupted lots of things. 

In simple words, I converted my Citi ThankYou Preferred credit card ( XXXX ) to a Citi Double Cash credit card ( XXXX ) last XXXX, as I had two TYP credit cards then. I did that via phone with our Citi customer service, and kept asking to ensure I wont lose points before making the decision to do the conversion. My understanding is that the points will be linked to my another ThankYou Preferred credit card after chatting with our staff. However, I lost XXXX points due to that conversion after a couple of months. Months ago, I contacted our Customer Service again with a hope to get my lost points back, and was issued the case XXXX. 

Thanks for your attentions XXXX XXXX
Product: Credit card or prepaid card

I have had several issues with this company and the fees that are having to be paid by them. This company makes it super easy to scam their customers and then you are at loss for the fees in which has been taken. 
1. My card had been reordered and the balance was removed from my card.

company decided to not reimburse {$700.00} the cost in which the scammer had taken off the card. There was a fee to reorder and expedite the card for an additional {$17.00}. 
2. Replacement Card {$17.00} 3. Card was reordered to a city in which I have never lived {$17.00}, because of the now text notification I was able to intercept, call, cancel, and reorder the card now another {$17.00}.

4. I misplace my card and do not have a problem with the fees of {$17.00}, however the rep forgot to add the apartment number to my updated address. Therefore once the card was sent out I was not able to receive it and upon speaking to XXXX XXXX XXXX # XXXX, she understands that it is due to their negligence, I am still responsible for replacing the card once more.
Product: Checking or savings account

{$75.00} transfer funds XXXX not working and navy federal take several days to accept transfers into account and back date transactions to cause overdraft fees to customers
Product: Credit reporting, credit repair services, or other personal consumer reports

Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.
Product: Credit reporting or other personal consumer reports

Please see attached documsfents. Do not close this complaint stating it is not me. I am a natural person and a conssafumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent two update letters to XXXX, Experian, and XXXX to update my personal information. I sent them two letters repeatedly asking them to remove the old, outdated addresses, phone numbers, and work information. Some of the information on my credit report is for addresses where I have never lived. They never removed the address and work location, so now I am filing a complaint against all three bureaus for not removing the old, outdated information, and the credit bureaus are not reporting 100 % accurate information, which is also against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquiry reporting on my Credit Report : XXXX Inquiry Date XX/XX/2021 ;
Product: Mortgage

My loan was recently transferred to PHH Mortgage Services on XX/XX/2019. Not only did I not receive any information from either processor about this transfer until late XXXX, but now I am unable to make my payments to PHH. I made a payment on XX/XX/XXXX for the XXXX due date ( I never make my payments that late, but was forced to do so due to neither party accepting my payment until that time ). Now when I try to make my payment online or over the phone for the XXXX due date I get a message stating that they are not able to take my payment. They do not have any of the correct dates of payment on their website and show something about a " payment rejected by bank '' for {$0.00} on my payment history - my payment has been cleared from my account since XX/XX/XXXX. I was told I could call back and make my payment today XXXX after " everything clears up '', but am still unable to make my payment! I feel I am being forced to make payments late due to them continuing to have processing issues and not taking my payment! I keep getting vague answers when calling the company like " give it one more day '' and " well you aren't late until the XXXX so you still have plenty of time '' - that is not the point! I want to be able to make my payment within the 1st week of the month and for it to be processed properly. This leaves me feeling uncomfortable and not confident in the company 's ability to service my loan. When you request to send a written complaint on their website the link does not work. I will also be contacting the media about this company and sending a written complaint to their managing committee. This is ridiculous that I am unable to make a payment and am being FORCED to pay late when you have had my loan for over a month now. You should have had the transfer completed in full by now.
Product: Checking or savings account

US bank services are the worst I have ever dealt with my reason for this complaint is US bank did not file my dispute claims correctly and in doing so have added errors to my account by putting it in the negative and recharged me twice I have given them very accurate and all of the correct information on my claims that they need but by them not taking down the exact information I give them they put the wrong information in the system lie about them needing additional information as an excuse of them doing a horable job on my disputes all of this leading up to my account being in the negative {$45.00} and being recharged {$42.00} and {$35.00} none of this would have occurred if the claims department would have put the correct information in the system I would like a full investigation done against US bank for falling to give proper customer service and causing error to my account
Product: Money transfer, virtual currency, or money service

{$22000.00} Fraud and Scam On XXXX XX/XX/2023 I logged into XXXX XXXX and found a suspicious transaction ( see attachment 1 ). I called the Fraud Investigation team at XXXX ( XXXX ) to cancel. 
A man answered the phone by the name of XXXX and he gave me his phone number, XXXX XXXX so I could talk to him personally. He looked up the transaction and said it was paid in two parts, one for {$220.00} and one for {$280.00}. XXXX then said they could and would refund the money. He asked for remote access to my computers so he could clean them for other persons who might have had remote access. That was two computers I used to access XXXX XXXX. I gave him access and he began to check my computers. He then said lets get your refunds back to you. He opened Command Prompt and told me what to enter. There were several steps prior to me entering the refund amounts. While entering the refund amount of {$220.00} an error occurred that showed {$22000.00} had been transferred into my banking account by mistake. So to get there {$22000.00} back he suggested that we do a Same-day Wire Transfer of the {$22000.00} back to them and reimburse me for the wire transfer fee. He gave me all the information I needed ( see attachment 2 ). I went to the bank ( XXXX  XXXX XXXX in XXXX, KS ) and completed a Wire Transfer of {$21000.00} ( see attachment 3 ). I was to retain {$500.00} for the refund of the suspicious transaction. This was all completed by XXXX XXXX. Went home called XXXX and told him about the Wire Transfer. He then proceeded to run a program to clean my computers for the rest of the day until he turned them off at XXXX XXXX. He was to Call me at XXXX the next day. 



On XXXX XX/XX/2023 XXXX called me at XXXX XXXX, my time. XXXX ran the cleanup program all day on XXXX XX/XX/2023. That afternoon XXXX called and said let the program run and I will turn off the computers at XXXX XXXX and I will call you Monday morning at XXXX XXXX. I did as he asked. 


On XXXX XXXX I looked up my online banking on my laptop, before XXXX called, I discovered that {$22000.00} had been transferred out of my savings account into my checking account. There was no sign of any money that the Fraud Investigation team had deposited into my banking account. I had transferred the {$21000.00} out of my Savings Account to XXXX and the Fraud investigation team. I had been Defrauded and Scammed. I do not know how the {$22000.00} was transferred out of my Savings Account to my Checking Account because I did not transfer it. At XXXX XXXX XXXX called me and was going to run those programs again. I told XXXX about the transfer of money from my savings account and I told him I had been the victim of a SCAM. XXXX said don't do anything I will talk with my supervisor and straighten this all out and I will call you back in one hour. XXXX never called back. 

I called XXXX XXXX XXXX, main office, and discussed it with them. I then went to my XXXX  XXXX XXXX in XXXX, KS and talked to them about it. No favorable results. 

Submitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX
Product: Credit reporting or other personal consumer reports

This is my new attempt to notify you that I am a victim of erroneous reporting and I submit to dispute this account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this account in my credit file that resulted from an alleged erroneous reporting. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this is a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind. 
XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -EQUIFAX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am submitting proof that this company still owes me {$550.00}. The account they claim to have reimbursed ending I. XXXX does not exist to me. They reimbursed the wrong account in this case. The documents I am submitting show the underlined amounts this company claim to have reimbursed me to be inaccurate and I have proof of what I did receive from them in the screenshots from my bank account. Only a partial amount was reimbursed to me.
Product: Mortgage

My mortgage was paid off in the year of XXXX. I discovered that the final escrow disbursement check had been placed in my mailbox was behind the mailbox, between the vinyl siding and the back of the mailbox. I discovered the letter containing the escrow check on XX/XX/XXXX. 

The date on the check was XXXX, so on the XXXX of XX/XX/XXXX, I contacted Truist Bank and was notified that they would expedite payment of this check and now the day is XX/XX/XXXX, I do not consider this as being expeditious. I have called the client services toll free number and made a in person visit to the local branch bank and received no adequate resolution. 

Please assist in getting the bank to return my escrow that they owe me. 
I feel that a reasonable expectation of " we will expedite this sir| '' would be 3 to 5 days, and now it has been almost a month this is not treating valued CONSUMER well. 

As the CONSUMER FINANCIAL PROTECTION BUREAU my expectation is that you use your full weight and authority of your agency to apply pressure on this financial institution, TRUIST to get my money they owe as expeditiously as possible. 

Thank You very much
Product: Credit card or prepaid card

On XX/XX/2020, I made a purchase through PayPal using my MasterCard Debit card. Upon checking the status of my order on XX/XX/2020 I discovered that the website used to make the purchase was used fraudulently and my order did not exist. I immediately reported it to PayPal and requested a refund of my purchase price on XX/XX/2020 and disputed the transaction as fraud. My dispute was denied and my account charged. The seller is not able to be reached and also does not exist, there was no proof of delivery and no tracking number issued. PayPal can not be reached by phone and I have continued to attempt to file disputes reporting the fraud. 
Transaction date : XX/XX/2020 Transaction ID : XXXX Order : XXXX Purchase amount : {$89.00} Purchase details : XXXX XXXX Seller info : XXXX Thank you.
Product: Credit card

Paypal is using Synchrony bank to provide their PayPal XXXX XXXX credit card. The card is charging me 34 % or more for interest which is usury. XXXX is prohibited by law. The card ends in XXXX. 

Also when they replace a card they don't keep the historical transactions for the old card. 

PayPal XXXX XXXX interest rate is 34 % which is usury. I asked them to close the account ending in XXXX and I plan on paying off the balance and never using it again. 
My current balance is {$1100.00}. 

I was charged {$31.00} in XX/XX/year> for a balance of {$1200.00}. 

XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX # : ~ : text= ( XXXX ) % XXXX % XXXX % XXXX % XXXX, or % XXXX % XXXX % XXXX % XXXX. 

The maximum interest rate for a loan in Florida is 18 % per year, unless otherwise specified by contract or statute. This is known as the usury limit, and any contract that exceeds this rate is considered usurious. 
There are some exceptions to the 18 % usury limit, including : Loans, advances, or lines of credit over {$500000.00} Sales of bonds in excess of {$100.00} and mortgages securing the same Money loaned on bonds Lenders who charge interest rates above the legal limit may face civil and criminal penalties, including : Forfeiture of interest The lender can only recover the principal loaned The lender can not enforce the debt in Florida The maximum interest rate does not apply to national banks, pawnbrokers, or small loan companies.
Product: Debt collection

Mercantile Adjustment sent myself a letter stating An alleged debt was owed giving me 30 days to respond DISPUTED. I request that the 3 pages enclosed be validated completely answered in 30 days or it will be construed as an absolute waiver of all claims to enforce the alleged debt against me and your implied agreement to compensate me for a court costs and attorney Not copies actual contracts with my wet ink signature, alleged XXXX XXXX and myself { contract }, XXXX XXXX, Myself and Mercantile Adj { contract } Be advised.73 American Jurisprudence { AM Jur } 2nd sect 93 third party debt collectors can not substitute { subrogate } themself into or on to a contract { transaction } if they weren't on the originally and specifically named in the contract { a Stranger } A third party Collector is not named on the alleged original contract between myself and alleged furnisher so they can not claim that anyone owes them money, which puts you at fraud. 3 pages enclosed