23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Applied for a line of credit with this company. Was approved pending payment of a {$250.00} deposit. The account sat open but the actual line of credit was never released so that I would have access to it. I decided it wasn't worth the effort so I closed the account and requested that my deposit be returned. For over a month, I heard nothing from this company. So I filed a complaint with the XXXX. Once they received that complaint, I got an email stating that the system no longer had my back account information and they needed that information in order to return my deposit. Additionally, they stated that they were short staffed and that is why it has been taking quite some time to respond. I responded to that email with the requested information and to-date, I have not heard back from this company and that was over a month ago. I've sent several emails asking for a refund and I do not hear back from them. I would like to have my {$250.00} refunded.
Product: Credit card or prepaid card

I'm having issues with Paypal Credit and Synchrony Bank, processing my payments past the deadline date, two times in a row in XX/XX/2023 and XX/XX/2023. And it looks like they're going to post it late again for XX/XX/2023. I've called in both previous instances and they reported each time that I filed a claim that the payment was received on time. 

And it's a delay on their end for processing payments. And try to blame the post office and says that it's not the same since covid. Covid has nothing to do with their failure of processing. And I have a track record of making timely payments with PayPal. 

However, I sent the payment in XXXX for a payment this month in XXXX. And it isn't showing as payment received yet. I'm done with filing claims and ask for CFPB assistance to figure out what's going on?
Product: Debt collection

In XXXX, during a period of personal hardship, I had a credit card debt with XXXX XXXX that I had stopped paying on. The amount was approximately {$6300.00}. In the following years I received voicemails and mailed letters from the debt collector Buckles & Buckles trying to receive payment on the debt. They continued to add fees until they claimed the amount totaled {$19000.00}. In XX/XX/XXXX I received a notice that a court judgement, with no previous notification, was made against me and 25 % of my wages would be garnished. As of XX/XX/XXXX, {$7800.00} has been garnished from my wages. I have sought legal counsel and was told that this was an illegal judgement, and I was directed towards submitting a complaint with this bureau.
Product: Credit card or prepaid card

I am filing a complaint against Bank of America Alaska Airline Visa. The nature of my complaint stems from a fraud report and reversal of the decision by the Visa company to hold me harmless for those charges. On XX/XX/2019, I was at a local middle school conducting a classroom observation as a part of my job. I was at the school from XXXXXXXX XXXX to XXXX XXXX working with the teacher and her students. I had put my briefcase that contained my wallet under the XXXX desk and conducted my business in the classroom. I left the school at approximately XXXX XXXX and stopped at a gas station to purchase fuel. When I opened my wallet, I found that the Alaska Airline Visa card, XXXX XXXX Visa and my XXXX card were all missing. I immediately called all 3 credit card companies to report the loss and was assured that the card was blocked. I was also told that my Alaska Visa had 2 charges on it, one for {$930.00} and one for {$760.00}. These charges were made at XXXX. I was assured that because I reported immediately, I would not be responsible for those charges. Two months later, those 2 charges were placed back on my credit card without a call nor an email. I immediately called Alaska Airlines Visa to ask what happened and they said that I " benefited from the charges '' and blithely asked if I " wanted to reopen the case. '' I was dismayed and angry and started my own investigation. XXXX was very helpful to conduct research to find that the {$760.00} charge was for XXXX XXXX made at XXXXXXXX XXXX and the {$930.00} for a handbag and XXXX shoes made at XXXX XXXX. I am an educator in the public-school system. I do not purchase bags for {$650.00}! I have never spent that kind of money on a handbag and do not even carry a handbag. You are welcome to call XXXX to inquiry about my spending history to confirm. The bigger insult is the {$760.00} for the XXXX shoes. I have severe XXXX in my feet and could not fit my feet into these shoes if I wanted to. I can get you a doctor 's note to that effect. I am livid that I am accused of benefitting. This credit card company is taking advantage of me. I made the call within one hour of the purchases to report as I was required. I have witnesses that I was at the middle school during the time of the purchases. I am deeply insulted that I would be thus accused when I was the one violated. Both XXXX and XXXXXXXX XXXX honored the fraud expenditures by holding me harmless of the charges. We have been with Bank of America for over 30 years. I would expect to be treated with more dignity and respect. Please let me know if you require confirmation and witnesses of the above report. Alaska Airline Visa needs to be exposed for taking advantage of a senior citizen.
Product: Debt collection

INVANSION OF PRIVACY AND DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. VIOLATORS. WE ARE GOING TO FILE CLASS ACTION LITIGATION.
Product: Credit card or prepaid card

On XX/XX/2022 I had a transaction of {$6500.00} sent through XXXX pay for XXXX English bulldogs that I was supposed to got on XX/XX/2022. On XX/XX/XXXX I tried to contact the seller but I noticed I was blocked on the phone and also on XXXX, so I had no way to contact the seller. I instantly figured I was scammed so I contacted my bank which is Chase bank to make a dispute. My claim got denied because they said it was through a third-party and that theres nothing they can do to help me. I was frustrated and confused because Ive never got scammed before and I felt like they wasnt taking my situation seriously and couldnt really understand why my bank wasnt trying their best to resolve my problem. I also tried to get a refund from XXXX pay but they also said that theres nothing they can do since I basically agreed to send the money. I contacted The Federal Trade Commission and made a report. They suggested that I make a claim with CFPD to see if its anything you guys could help me with. I honestly just want my money back, {$6500.00} is a lot of money to just give up on even if I dont get the whole thing back I still would like a financial release.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries form XXXX, XXXX and XXXX that were deleted but I notice they were reinserted. My social security number was listed in the Security Breach and they should n't have been reinserted without sending me a 5 day notice.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved
Product: Debt collection

I joined XXXX XXXX on XX/XX/XXXX and was not clearly informed about the XXXX contract or the inability to cancel. When I attempted to cancel on XX/XX/XXXX, I was told I had to pay {$900.00} for the entire year. Additionally, despite providing the correct account number, I was charged for an invalid account number and incurred a late fee. The manager admitted they did not inform me about the contract terms and threatened to send the fees to collections, which would damage my credit. Despite my efforts to resolve this, including requesting information about the contract terms and cancellation policy, the company did not provide the necessary information. Another reviewer had the same issue, indicating a pattern of deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent accounts account name : XXXX open date XX/XX/XXXX account name : debt management and collections system open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX account name : XXXX XXXX  open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX
Product: Bank account or service

See attached statement. Citigold failed to honor the terms of its XXXX XXXX promotional offer as they were provided to me when I opened my Citigold Interest Checking Account. Without explanation or justification, Citigold deliberately deleted an e-communication from my e-communications center less than 8 days after it was posted to my account, even though e-communications are supposed to be available in my e-communications center for 12 months. The deleted e-communication confirms that my account does qualify for the bonus miles offered under the promotion and states that Citigold will post my bonus miles after I provide my XXXX number. I have provided my XXXX number on several occasions and have written confirmation from Citigold that my XXXX number has been linked to my account. I am accusing Citigold of fraud. I maintained my account and paid account maintenance fees based on Citigold 's written representations ( 1 ) that my account was enrolled in the offer, ( 2 ) that I completed all offer requirements XX/XX/2016, ( 3 ) that my bonus miles would be credited to my XXXX XXXX AAdvantage account within 90 days after the end of the statement period in which all offer requirements were completed ( i.e., 90 days after XXXX XXXX, 2016, which is XXXX XXXX, 2016 XXXX. I would otherwise have closed my account. My bonus miles still have not been credited and Citi has now stated in writing that they can not guarantee that my miles will post by XXXX XXXX, 2016 ( which is direct conflict with the written terms of the offer that were provided to me ). Citi is forcing me either to pay additional account maintenance fees as I wait for my miles to post or to close my account to avoid the fees ( and thereby forgo the bonus miles ).
Product: Debt collection

There is a Bank of America account that was settled back in XXXX Until today XXXX is reporting incorrectly which is a violation of my FCRA rights. This account has been settled and the creditor has sent a letter of deletion. XXXX is reporting inaccurate information its still showing as a charge off account XXXX is the only reporting agency reporting this account. I have sent several disputes to experian and they will not remove and when they dispute bank of america is not even getting the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/1979 XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 30 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Product: Checking or savings account

Last Year XX/XX/year> a friend said they were going to XXXX me {$XXXX}. We were out a lounge. They were sending the money because they forgot their bank card and I purchased what they wanted with mine. 

A few days later the bank stated I did fraud. 

They were unable to tell me any other information.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX  - XXXX - {$22000.00} OR XXXX XXXX - XXXX - {$51000.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Debt collection

Hunter Warfield is showing up on all 3 of my credit reports showing they are collecting a debt for an apartment complex I moved out of in 2021. My lease was up and I was on a month to month agreement with the previous manager XXXX XXXX. I got her permission and okay that it was fine for me to move out since I was on month to month. In the middle of my move something happened at the apartment complex that forced them to change managers, the new manager didn't know me and didn't know what was going on I assume. I spoke to her briefly when I turned the keys in to let her know I was moving and the previous manager and I agreed to the move being that I was on month to month and under no lease agreement. She stated she would look into it but I never heard from her again. Then years later I see this collection agency on my reports that I have no knowledge of, they have never tried to communicate with me by any means to validate or verify this debt that I don't owe. I have an emergency in my family and we are needing to move from our home because of health reasons and now this unlawful reporting is causing hardship in my life to where I can't move.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX reported XXXXXX/XX/2022 XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX reported XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX reported XX/XX/2022 XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX reported XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX reported XX/XX/2022 XXXX XXXX account # XXXX XXXXXXXX XXXX reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/20XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX reported XX/XX/20XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX reported XXXXXXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  report XX/XX/2022 XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX XXXX report XX/XX/XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX report XX/XX/20XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX report XX/XX/2022 kansas XXXX XXXX account # XXXXXXXX XXXX XXXX report XX/XX/2022 XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  report XX/XX/2022 XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  report XX/XX/202XXXX XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX report XX/XX/2XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  report XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privac

y 15 U.S.C 1681 section604 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 ) ( 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 beleieve that the information is inaccurate.
Product: Debt collection

Sent payment for another persons judgement twice to clear up balance. Company states its mine and I am past due. When I made the payments on the judgement, I never received a receipt with principal, interest paid or balance due. Now I am getting certified letter and phone calls trying to collect from me. Company has also changed names and this is not a transferable judgement based on an account that was sold yet they are stating this as an asset bought and still due.
Product: Debt collection

I received a voicemail from someone named XXXX XXXX calling from a spoofed phone number ( XXXX ) who left a voicemail stating that they were calling regarding claim XXXX and that they would attempt to reach me at my place of business because they could not contact me by phone. They stated once my claim ( claim number XXXX ) was released from their office ( no name of office provided ) there was nothing they could do and they wished me the best of luck. They called 2 family members they could find and left them the same information and also stated I would be subject to the local courts going forward. They also stated if my location was not provided, they would be attempting to contact me at THEIR residences. They provided phone number XXXX which I called and spoke with someone who refused to give me their name or the name of the company they represented. They referenced an old debt with XXXX for amount {$310.00} originally taken out but stated now the amount was {$660.00}. They stated I needed to speak with a compliance officer because they had location services looking for me in an attempt to file papers with the courts. I attempted to get the name of the company, the rep refused to provide it. I asked for the name of the lawyers and she stated it was a network of attorneys called XXXX but wouldnt provide any other information. I said they did not have permission to call my family and they stated that I needed to speak with location services in order for them to stop calling my family. They repeatedly refused to provide information regarding the debt as to their names of the company ( other than the name of the original lender, which they provided ) or how I could see proof. She refused to email anything and said that they were going to contact my place of business. I called XXXX and was advised there was a debt for {$310.00} they sold to Reel Time Capital. I attempted to contact Reel Time Capital and was provided with phone number XXXX by XXXX, and the number goes straight to voicemail after ringing numerous times. The voicemail message does not explain who they are or what the company is. I emailed them at the provided email on their website and was not contacted back. Ive called numerous times and emailed numerous times and received no communication in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old account with XXXX XXXX XXXX I contacted them and settled to pay my bill in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY
Product: Credit reporting or other personal consumer reports

The US Department of Education has not hired XXXX XXXX to service this federal consolidation loan orginated by the University XXXX XXXX XXXX on XX/XX/XXXX for a XXXX XXXX in the amount of {$49000.00} now reporting as {$80000.00}. This why XXXX XXXX has not supplied the federal student loan accurate payment history from XX/XX/XXXX until XX/XX/XXXX to the credit reporting agency. The credit reporting agency is not reporting month by month payment history of this federal student loan from XX/XX/XXXX until present. I have not made any payments and not requested any deferment or foreberance. The credit reporting agency and XXXX XXXX is not reporting this defaulted federal student loan month by month payment history. The CRA are required to report the complete accurate payment history month by month of the federal student loan.I wrote XXXX XXXX that I am not paying a XXXX on their federal loan terminated by the US Department of Education XXXX XXXX on XX/XX/XXXX. The Fair Credit Reporting Act, CFPB and I request the CRA to report on my online credit report the complete accurate payment history of federal student loan from XX/XX/XXXX until XX/XX/XXXX immediately. Transunion and XXXX are In violation of the Fair Credit Reporting Act and the CFPB for not reporting the complete accurate payment history of the federal student loan accoun tand must remove the account immediately. If the CRA have any problems. The CRA to address their concerns to the legal furnisher of the account the US Department of Education XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA 609/611/623 violation. The Following accounts are listed : CAPITAL ONE BANK USA NA # XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

These account were comprised some are very old and is hindering me from future endeavors. 
XXXX Bank closed XX/XX/XXXX not sure why this account was closed. Some of the info on this account is not correct. 
XXXX Bank XX/XX/XXXX this checking account was comprised by someone. 
XXXX bank XX/XX/XXXX this account was comprised by identity theft. 
XXXX XXXX opened XX/XX/XXXX this account was comprised and I informed them several times for this matter. And also a lot of inquiries XXXX bank XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX bank XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

There are XXXX unauthorized credit inquirys that I did not authorize and I would like to have them removed as soon as possiable.