23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My information was stolen from me I be having a hard time I 've been XXXX in my money I get Social Security benefits but Money 's been deducted out of my bank account which is was US Bank at that period of time and I filed a dispute on my transaction and noterized every single document but the thing was that US Bank supposed to grab me the money and when I called him the other day which was yesterday XXXX they said that that account does n't exist and they do n't see it but the thing is that you are the treasure your account with supplemental security deposit and how much money and a long. Of time when I was XXXX and I money just communicated in the account and I thought. Time when I got out of XXXX in XXXX I did file the dispute and I got granted but the thing is that you would think they would give me back my money and I 'm paying back everything back to the Social Security and now I 'm in the bed and I will secure a lot of money so I want to be able to get this information fix thank youXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX days late in XXXX XXXX, XXXX days late in XX/XX/2021, XX/XX/2021. 

XXXX XXXX Code XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Checking or savings account

I currently can not access the funds in my account. When I called to check on this after verification from the fraud team by phone last week and by text on XXXX Yesterday after confirming my attempt to purchase I received a text saying my card is available for use. But I could not use it. I called and was transferred and told my account is blocked and under review. I then asked for a supervisor to gain access to the funds that were just deposited into the account. I was met with back and forth and then settled for a call back. I was given incorrect work times and was not called back. When I called again today XXXX  I was told supervisors are gone by XXXX EST. I was told XXXX yesterday. My auto pays are blocked and now Im not only late but having to pay fees and its affecting my credit. There has been a lack of communication. I didnt receive an email or letter stating this could happen. When a representative called me last week I was not told it was a risk or that its being reviewed or else I would have sent my direct deposit to another account that I can access and not one that is blocked. 

I just need to get my money asap! This is all I have access to for day to day and bills due. I have a chronic illness and I cant even pay my co-pay because I can not use my debit card. 

And they act like its not an emergency and I have days to let them take their time for an escalated matter dealing with my money.
Product: Debt collection

Dear Sir or Madam : I am writing to complain about the fact that Capital One is trying to charge a residual interest fee to my account after I was finally able to pay off the entire balance of {$3300.00} on XX/XX/. I made two payments in XXXX, one in the amount of {$110.00} on XX/XX/XXXX  and then a second payment on XX/XX/XXXX  in the amount of {$120.00}. This left me with a balance of {$3300.00} which I successfully paid off on XX/XX/XXXX giving me a {$0.00} balance. 
On XX/XX/XXXX, I received an email from Capital One notifying me that I am being charged {$62.00} for interest fees. When I contacted Customer Service, I was told by a supervisor that I am being charged a residual interest fee and can be charged a second residual interest fee next month as well, which makes absolutely no sense because the whole point of paying off a credit card bill is so you dont have to pay interest. I have always paid this bill on time as I was signed up for automatic payments to ensure that I wouldnt miss a payment and the fact that I made not one, but two payments in XXXX is absolutely ludicrous that now I'm being charged an residual interest fee. When does paying off a credit card stop?
Product: Credit card

I received a balance transfer offer in the mail from Bank of America offering 0 % thru 2016 if I transferred an existing balance to a card that I had with them that carried a {$0.00} balance and a credit line of {$7800.00}. The day after the transfer was made, Bank of America lowered the credit line to the account to {$5800.00} which in turn caused the account to go from a {$0.00} balance to {$2000.00} over the credit limit. I was then told that the reason for decreasing my balance was due to what appeared on my credit score. I 'm now in a situation where my credit report will now show that I 'm over my balance on the account as a result.
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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or 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 reporting or other personal consumer reports

You have successfully submitted your complaint! 
A message has been sent to you with instructions on how to track your complaint. 
ID FOR COMPLAINT SENT TO XXXX LEGAL DEPARTMENT XXXX ID FOR COMPLAINT SENT TO XXXX LEGAL DEPARTMENT XXXX I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged 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

Complete in XX/XX/XXXX I asked for trans union or XXXX  XXXX XXXX to review the obvious error being the Open date Of a loan starting 16 months before the bank ever started to show payments. Every account I had with them they manipulated by showing I paid them off before a year even though thats impossible as I have proof of what I paid monthly so by them doing that they are hurting my credit beyond bad because none of those perfect payment loans are showing to my report correctly. I see how I lose but not sure how they win by doing it but its clear as day in the closed accounts section. Look at open and closed dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to the 15 USC 1681, I have the right to privacy and did not give Equifax written permission to to furnish these accounts : XXXX XXXX account # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX  XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN was on my consumer report as an inquiry so I disputed it. I did not give my consent for this and it injured my consumer report severely. On XX/XX/2021 XXXX removed ONEMAIN from my report but on XX/XX/2021 ONEMAIN was back on my report. Once again, without my consent. Today, XX/XX/2021, ONEMAIN is finally off my consumer report but the damages are already done. Not to mention, I had to contact fraud department for XXXX and send in dispute letters, more than once, for XXXX. ONEMAIN violated 15 USC 1681n ( a ) ( 1 ) ( B ) and I am seeking relief for the damages.
Product: Debt collection

I received a letter dated XX/XX/XXXX stating I owed on an original creditor account number that was never mine. I disputed the debt in 2 separate letters, one sent by uncertified mail on XX/XX/XXXX. The other sent certified mail XX/XX/XXXX. I got a validation letter with a completely different account number in which I had already paid the original creditor and had a {$0.00} balance on. The collection company then said I owed interest of {$340.00}. Which they did not provide any proof or contracts that said anything about any interest that was due. Though they stated that I owed it to their " client '' even though I have a {$0.00} balance on the account with their client. Not only did they provide me with an incorrect original creditor account number to begin with and amount owed, they contacted me by phone before they even sent what they thought was verification of the debt owed. They decided to switch to the account number after I had provided them with the documentation I did not owe on the account. They have the incorrect date in which the account was paid. They just made up a number in interest and said I still owed their client. I don't owe them or their client any amount. They also contacted me by phone on XX/XX/XXXX where they left a voicemail. Any collection agency must state that the purposes for communication is to collect a debt. They failed to do so.
Product: Consumer Loan

I have XXXX hard hit inquiries on my XXXX Credit report by Ally Financial that I do n't recall requesting credit from them.
Product: Debt collection

Received call on XXXX XXXX XXXX from P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX. 

Threatening to take my property including homes and XXXX / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax XX/XX/XXXX to dispute inquiries and inaccurate address. I called Equifax and was transferred to the fraud department. 
I indicated that I had filed a police report and tried contacting the creditors who accessed my credit file without my authorization. 

I was told the following inquiries would be removed between 24 to 72 hours and closer to 72 hours : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. &. XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX And the following address : XXXX. XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX  , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX XXXX , XXXX  , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX  , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Credit card

Being billed for merchandise on Amazon credit card that was previously refunded. Charge appeared XXXX/XXXX/2015. Had previously complained to CFPB when Amazon indicated they would rebill and Synchrony Bank indicated credit on account was permanent. This was not the case.
Product: Credit card

paid down XXXX account by XXXX dollars. Marcus Goldman Sachs refuses to report new balance to Credit Unions. Its an attempt to keep me in subpar rating so they can charge me more.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I submitted disputes for XXXX XXXX Account number XXXX, along with copies of court orders completely XXXX this debt, a full satisfaction, release of liability fully releasing me of obligation, and exonerating. Yet despite this debt being completely XXXX  per court order, it is still being reported negatively, and XXXX XXXX and Experian are in violation of said court order. 
Please see copies of previously provided notices and documents.
Product: Mortgage

OnXX/XX/19 I received a letter that my mortgage was going to be transferred from XXXX XXXX XXXX to LoanCare , LLC. Effective XX/XX/19. 
With XXXX XXXX XXXX I was able to make partial payments which I continue doing until my loan got transferred. Three of the payments were reflected as a principal payment which I had to call LoanCare to let them know that I was seeing this error was happening. I called multiple times and they said that they were not able to see my payment history which was confusing because I was able to see it on their website. LoanCare asked me to call back in 30 days to wait for all the information was transfer I asked them if my credit was going to be affected since it was reflecting that it was late and if I was going to have late fee which they told me no but to clear everything I made a payment for {$2200.00} to cover XXXX. When I called back, they told me again they couldnt see it until I had to explain to them where to find it. An employee contacted the supervisor explained what happens with my payments and where they have reflected which it was in principle. The supervisor told the employee to the summit to correction and that it was going to take 2 business days to clear in my account, they asked me to make another payment to complete 2 full payments into my account which were for XXXX and XXXX. I gave them 5 business days, I called back a Wednesday and they said that it would be done by Friday XX/XX/19, today is XX/XX/19 and they are implying that they sent me an email saying that they did not have all the information and they could not proceed my request. I explained to the employee that I did not receive that information that only told me to wait until Friday. I requested to talk with a supervisor or manager she said no one was available but she transferred me and requested a callback. Nothing has been resolved. 
Payments : - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19 for {$2200.00} and cleared my bank account on XX/XX/19 - Payment on XX/XX/19 for {$1100.00} over the phone and cleared my bank account on XX/XX/19
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$190.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$51000.00} Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My original loan was with XXXX who sold out to XXXX XXXX XXXX who sold my loan to GreenTree Mortgage AFTER I went through the process of a mortgage reduction program. I had to file a complaint to get my reduction program loan closed because they were holding my entire financial world in limbo for over a year, hurting my credit, when a loan should be closed within 30 days. It was ridiculous but it helped eventually because we get {$1000.00} cut from our principle ANNUALLY if we pay on time and I do BUT now that it 's been transferred to GreenTree, they are intentionally trying to make us late on payment by not sending us our invoice in time. I have been paying ahead of the invoice because I never receive it in time to prevent late payment which is a HUGE XXXX BUSINESS TACTIC. Even though I sent my payment ahead of invoice receipt last month, the payment was n't posted as received until seven days after it was due on the first which is a lie. They are trying to cheat me out of the program 's {$1000.00} annual principle reduction. This whole program is XXXX trickery and I want the fined to the hilt for what they are doing to us. There are XXXX of us on these loans and I 'm CERTAIN that I am not the only one suffering this. Make them give us what they promised because we are never late on our payment. They 're MAKING us late on PURPOSE by holding invoices and payment on receipt in order to prevent having to keep their promise of annual principle reduction of {$1000.00} for on-time payments. Regardless, I want my invoice sent out ON THE DAY they receive a payment to prevent it ever been later than the payment due date again. This is insane.
Product: Mortgage

Hello, For 7 months now I have tried setting up an escrow account for my mortgage. I have called Plaza 6 times and sent all insurance and tax information needed to complete the process. In XXXX I mailed the escrow cushion of {$3500.00} which was cashed by Plaza Mortgage. It is now XXXX and another notice has been mailed to me asking for {$3500.00} to start the escrow account. I have called and called and emailed and no one can help. Left a message on XX/XX/XXXX on a managers voicemail to call me to help resolve the situation. 

The company has absolutely no idea how to service a loan. 

The company is acting in a fraudulent and unsafe manor with customers and their money.
Product: Debt collection

Bank of America XXXX, Mn This account is all fraud and they want me to pay for this.. I tried several times to make arrangements, and they refused, I tried to make a payment with cash, check, debit card and they refused... they wanted all the money or none..I told them that i had gotten scammed and was unable to pay the balance and finally my new mortgage company had to get involved and forced them to take the payment. of {$120.00}. from me and told them the rest was fraud and scam charges and still kept wanting more money .... 

They are very difficult and hard to deal with. I have been in contact with the police and finally got a report. Case # XXXX Its a scam and Fraud case of {$35000.00}, in credit cards and stealing of bank account information. 

These scammers said with would help me pay of the bank of America account, just give them he account number and they would pay it off ... .Yes they did and in 2 days they reversed the payment. which created more charges. The balance is at over XXXX 

this continued with 3 other credit cards, and with in 3 days they had maxed them out. 
And they all want their money and I'm on a fixed income. And over XXXX in age and XXXX. they have stole everything .... 

The next card is XXXX XXXX XXXX card, they are getting a police report also and the scammer kept on .... 
These scammers steal the credit card information right off your phone off the receipts..The next big deal is they use gift cards, XXXX and XXXX XXXX, XXXX and up. they promise you the world, and all I've gotten is a bad credit score, from XXXX to XXXX ... and try and get a mortgage on that. Trust me you cant. 

The credit credit companies will get the police reports and names of the scammers which i all have. This started in XX/XX/2023 and XX/XX/2023 ... ... Thank You