23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from Bank of America. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen XXXX. Soon after trying to fight the discrepancy, I received a letter from bank of america that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with Bank of America trying to get the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple complaints ( including documentation ) to Equifax, including one previously through the CFPB, on this one issue. Equifax lists my current student loan at XXXX XXXXXXXX XXXX as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX  who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.
Product: Checking or savings account

On XX/XX/XXXX I opened a HYSA with Marcus by Goldman Sacs. I funded the account by connecting my XXXX XXXX HYSA with Marcus. Marcus accepted an incoming {$17000.00} ( the balance of my entire savings account ) and credited it. On XX/XX/XXXX I connected my XXXX XXXX XXXX XXXX account to my Marcus account. I then processed a {$4000.00} transfer ( withdrawal from Marcus ). It claimed it would take two - three days. On Thursday the XXXX I received three calls, back-to-back, while on a XXXX  call. I called them back as soon as my meeting finished and it was Marcus. The person I spoke to said she needed to verify me but because my cell phone number showed ported ( I have had my number and XXXX account for over 20 years ) that she could not verify me that way, she would need my license number. I gave her that and she said that also would not work so she had no way to verify me and would connect me to someone else. That person asked if I have a second cell phone and like any other person said no. She said she also could not verify me and a special department would call me back. I have called in again to only be told again they can not help me. I contacted XXXX XXXX XXXX XXXX  on Friday the XXXX and asked if they show any incoming funds ( at this time the Marcus account showed a deduction of {$4000.00} ). They said nothing was incoming. Today is XX/XX/XXXX and thinking maybe the issue was somehow XXXX XXXX XXXX XXXXXXXX, I connected my XXXX account. I have also had my XXXX account for over 25 years. I attempted to do a smaller

, {$2000.00} withdrawal and the system gave me an error and said call customer service. Who, can not verify I am me, even though they gladly accepted my {$17000.00} life savings! Currently Marcus is withholding my {$17000.00} and I can not access it or talk to anyone. I told the customer service person that was unacceptable and I would like to talk to a supervisor and she said " a supervisor can not help you, only someone from that department can help you and that may take a few days to call you, is this an emergency? '' I said " yes '' and she said " I will note that ''. That was Thursday. Today is Monday. As of this morning the full {$17000.00} balance again shows in my Marcus account. Please help me! They have my money and I can not talk to anyone!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX XXXX XXXX, and Portfolio Recovery Association. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to express my disappointment and request for resolution regarding my account which was permanently limited 6 months ago. Recently, I received an email stating that my funds were available for withdrawal. However, I have been facing difficulties in adding my XXXX XXXX XXXX XXXX account to withdraw the money. The PayPal security system is not allowing me to complete the process and I am also unable to complete the security checks as I have lost my phone number. 

Furthermore, I was shocked to see that PayPal has deducted my {$260.00} stating that my account has another negative linked account with a different email address. I assure you that I genuinely have no knowledge of this and have lost my hard-earned money due to this deduction. I have tried finding a resolution from PayPal but I am being denied. I assure you that I am innocent in this regard and do not know what to do.

I kindly request PayPal to give my {$260.00} back as it is my hard-earned money and also allow me access to either transfer the money from my PayPal account to another PayPal account or link my bank account by overiding the security checks by using their professional resources and tools. I trust that PayPal values its customers and will take necessary action to resolve this issue.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # 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 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. 
Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These people place a fraudulent account from ( XXXX XXXX/NATIONAL CREDIT ADJUSTERS ) on my credit report that doesn't belong to me after. I've never done business with these people. My ex-husband and his girlfriend pretending to be me stole my information to get this loan. Her name is XXXX from what I was told by his XXXX XXXX XXXX sister. XXXX used an account we had to make payment while she talked to them acting like she was me. I sent the Credit Bureau the police report and XXXX! XXXX of the Fair Credit Reporting Act, which requires the Credit Bureau to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher XXXX XXXX ) of that information. I have provided XXXX with the police report and my identity package which they have on file and still they place this fraudulent account on my credit report. I am a victim of identity theft. The information from ( XXXX XXXX  XXXX NATIONAL CREDIT ADJUSTERS XXXX which appears on my credit report. does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft. [ Identity item XXXX XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit reporting Act, and send the required notification to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.
Product: Credit reporting or other personal consumer reports

I sent a debt validation letter on XX/XX/2024 to Opploans to validate this debt of {$2900.00}
Product: Debt collection

On or around XX/XX/XXXX, ACT and I agreed to a 10 month rehabilitation repayment agreement where I was to pay {$5.00} a month beginning XX/XX/XXXX and due every month thereafter on or around the XXXX of each month. This repayment plan agreement was entered to help get my student loan debt out of default as my wages are currently being garnished. The agent I spoke with that set up the repayment plan explained that after 5 on time payments, my wage garnishment would be terminated. On page 4 of 6 of the agreement I agreed to and signed, bullet number seven, it states that " if you are currently subject to administrative wage garnishment, XXXX  or its authorized agent will suspend the garnishment after you have made five qualifying monthly payments under the agreement. '' All my payments to date have been made as instructed by the agreement and I have currently made 7 on time payments. The fifth payment was due in XX/XX/XXXX and my wage garnishment is still in place. It was never terminated as agreed per our agreement. ACT has currently illegally withdrawn 5 extra wage garnishments as my 5 month anniversary was XX/XX/XXXX. My fifth payment was made weeks before that fifth month anniversary. At the moment my fifth payment was received, ACT should have issued a termination of wage garnishment to my employer. That did not happen. Five extra garnishments were taken from my paycheck which I am demanding ACT issue me a refund of those 5 garnishments immediately. I have all my paycheck stubs and willing to provide the exact amounts, but I am positive ACT has the exact amount of all five of those illegal wage garnishments. I recently sent my XX/XX/XXXX payment along with a letter demanding ACT terminate my wage garnishment or I will hire an attorney to litigate this in court. I did not hear from ACT. I then called ACT on XXXX and left a message demanding ACT call me to discuss this breach of contract alleging ACT is in violation of UDAAP and FDCPA misrepresentation violations. A few hours later, I received an email from ACT informing me they have issued a termination of my wage garnishment to my employer and that they have confirmed my employer has received the termination letter. I appreciate the issuance of the termination letter to my employer, but I will not be satisfied until I receive the refund of 5 breach of contract wage garnishments. I expect this refund to be issued immediately. I am also asking for a reasonable amount of statutory damages for the UDAAP and FDCPA violations committed by ACT. I will seek legal representation if the amount of statutory damages is not a reasonable agreed amount. I have access to a team of FDCPA Attorneys and will not hesitate to escalate this dispute in court which would probably cost more than settling this dispute.
Product: Payday loan

XXXX got a loan for XXXX back in XXXX 2016 ... ..supposed to a six month or early pay " will send attachment '' ... .made payment every Bi Weekly ... ..at first I had no problems then notice then extend my payment schedule to 12 months without my knowledge ... ..I all ready gave {$1000.00} more than enough to pay back loan ... .they tell me its just the principal interest ... ..at almost 980 % interest rate ... .I cant afford it any more and payments have going up .... now effecting my car and rent other bills ... I have stop all communication from them
Product: Credit reporting

Account was settled in full. I was told all XXXX credit reporting agencies would be notified and this collections debt would be removed from my credit report.
Product: Checking or savings account

Discover Bank received my IRA transfer on XXXX XXXX 2020. The same day they received my wife 's. 

My wife received the promised interest rate of .60 % while I received a rate of .50 %. 

I have documented that both transfer checks were received same day but mine was delayed for 3 days.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Case # : XXXX Response to XXXX XXXX File : XXXX I, XXXX XXXX XXXX XXXX for reasons beyond my control, in XXXX had to leave this country and the whole family went to XXXX for a few years because my husband at that time was given an XXXX  punishment for 10 years outside the country, due to this circumstance put us in a difficult economic situation that affected us and we lost 2 properties here in California ( XXXX and XXXX ) XXXX Also, caused non-compliance with payments on other debts that we obtained until that date. We started from scratch in XXXX and we could not stabilize ourselves economically there, we lived from day to day and were unable to meet or cover even the minimum in payments on our debts in the United States. 

I was not aware of this lawsuit because the correspondence was sent to the home of my sister, XXXX, and unfortunately, our family relations were broken for several years and no correspondence was ever delivered to me. Due to our economic situation in XXXX, I had to come to work in the United States for a few months to support financially my family. 

I am aware that I owed XXXX directly for around {$2800.00} in XXXX. I am opposed to accepting this lawsuit because they sold the debt to an agency ( Unifund CCR , LLC ) without my consent and after 17 years it has increased significantly, indiscriminate and exaggerated to a stratospheric amount of {$14000.00}. 

I, XXXX XXXX XXXX, am willing to pay this debt contracted to XXXX for the original amount of XXXX and making monthly payments of {$50.00} since I only depend on my salary and sometimes, I must resort to using my credit cards to cover my expenses as well as my daughters. 

I ask you to reconsider my case and reach an agreement since I am not financially able to face this type of debt. Please definitively remove the XXXX on my children 's house, located XXXX XXXX XXXX, XXXX XXXX, California XXXX, or any other property. 

If you have any clarifications or questions, do not hesitate to contact me at my cell phone ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a mistake in the reporting, and I request an investigation to rectify this error. The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.
Product: Money transfer, virtual currency, or money service

I am 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 and6,208 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request your immediate action to address the fraudulent inquiries on my credit report. These unauthorized inquiries have caused me significant distress, as I did not authorize them. It is unjust for me to bear responsibility for these accounts, as I did not initiate or approve them. I implore you to promptly rectify this situation.
Product: Checking or savings account

I deposited XXXX in cash from my job at the atm in XXXX and now I cant get my money in till XX/XX/XXXX a couple weeks before my account been hacked and I had to make a new account so I did I just want my money
Product: Debt collection

I noticed the debt on my credit report a couple months ago, I attempted to call the debt collector directly on numerous occasions and was never able to speak to a real person, I have sent letters directly to the debt collectors address on my credit report and have received nothing back from them. I have disputed the debt twice because I have not received ANY communication from this debt collector and have not received the requested debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : 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: Credit card or prepaid card

On XX/XX/2022, I gifted my fianc a {$500.00} Visa gift card as a token of my love and appreciation. However, much to our surprise, the card was fraudulently used and its balance had depleted to around {$50.00} a few months later.

Determined to resolve the issue, I reached out to the customer service department by calling the number on the back of the gift card. After speaking with a representative, I was advised to send a fax of the receipt proving my purchase and a copy of my government-issued ID. Despite multiple attempts, the fax was never received by the customer service department.

Today, I had the displeasure of speaking with a representative named XXXX, who informed me that the only way to send the documents was via fax. When I asked for an alternative method, XXXX was unable to provide one and hung up on me after I requested to speak with a supervisor.

Frustrated with the situation, I am now filing a complaint with the CFPB against US BANK, the issuer of the Cardholder Agreement, and have attached proof of purchase, the gift card, and my government-issued ID. I hope to receive a prompt and satisfactory resolution to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and unverifiable. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Listed below are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a power bill of {$650.00} from XXXX XXXX. I moved out of my apartment XX/XX/XXXX. I was contacted by XXXX XXXX in XX/XX/XXXX stating that I was still getting billed to the address for the 6 months I was not living in the residence. XXXX shut the power down in XX/XX/XXXX. I recieved my bill in the mail charging me for the 6 months not in the residence and when I called XXXX I was told to send them a move out form stating my move out date. I did so and nothing was done. The company put my account into collectiions. I still have the form for my move out date which was XX/XX/XXXX and was billed until XX/XX/XXXX. I would like these charges removed from collections. It is preventing me from getting a house and power. Thank you
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.