23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account was open for one month. The balance was paid and the account closed. The current balance is from XXXX XXXX adding late fees and finance charges. I have called four times and the reps say Sorry, we can not remove fees on a closed account. Clearly, they have no problem adding false charges to a closed account. This XXXX Charge Off balance is 100 percent late fees and interest on a CLOSED ACCOUNT. I will never shop at XXXX again because of the unethical bank they use to manage their credit card. You can see from my past history I have paid all balances in full every month on every credit card I have. Some monthly balances are as high as XXXX per account but they are paid in full monthly. I have had an XXXX credit score for years.
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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Money transfer, virtual currency, or money service

I received email notice that my PayPal Account has been permanently suspended due to unspecified fraudulent activity. This suspension comes a week after I provided PayPal with all requested documentation to establish account ownership. The fraudulent activity that is alleged in the initial and permanent account suspension notices has not been explained and no process for addressing the issue beyond providing documents is available. 

The complaint I am making is not the issue of account suspension, but rather the fact that PayPal is now holding all the funds in the account for 180 days with nothing more than a statement saying that they will contact me in 6 months. 

So for 6 months, PayPal will be holding my money ( and using those funds in its transaction clearing pool ) while preventing my access to funds that I own. This is little more than petty theft. 

Secondly, a portion of the funds in my account are held in cryptocurrency, which we all know fluctuates rapidly in price. I fully accept the risks inherent in freely trading a volatile asset. What I dont accept is the trade platform arbitrarily eliminating my ability to trade those assets for an unreasonable period of time. PayPal offers the ability TO TRADE ( ie buy and sell ) cryptocurrency ; I am being forced to sit and watch my funds as the price fluctuates for six months with NO ABILITY to decide whether to buy or sell. In 6 months, this portion of my account could be worth a million dollars or zero dollars and there is nothing I can do about it. The price of the asset is a market risk, but PayPals decision is consumer abuse. 

I am not concerned about the random account suspension, nor the actual amount of money involved. I am extremely concerned about a financial gatekeeper having the ability to arbitrarily restrict access to funds, while also continuing to use those funds AND to affect the overall value of those funds OUT OF THE CONTROL of the account owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with Capital One was opened in my name on XX/XX/XXXX. The account was opened as fraud. Per conversation with the Capital one, the rep said the account could have been opened under my social security number as a authorized user. The account was also opened in Florida. I've only ever lived in Georgia. Also, whoever opened the account used a Florida address and that is also on my credit report. I am a victim of fraud. Also another account was opened in my name on XX/XX/XXXX. I haven't created any accounts since opening my only credit card in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX and XXXX  XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 U.S.C 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX  on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. XXXX  is the only credit company that has not remove this from my credit report stating that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX , RBS/Citizens sol d Charter One  Bank to  XXXX   XXXX . As a Charter/Citizens customer I was informed all accounts had been transferred to  XXXX   XXXX .In  XXXX   XXXX , I was informed by Citizens that it had retained my ( unused ) HELOC and that it was scheduled to expire in  XXXX   XXXX . Upon researching  ( IL  ) local institutions for a new HELOC, I was encouraged to review our credit report as it would effect ou r credit score which would be used to identify the interest rate we would be charged. Upon examination of my  credit report, I saw that Charter/Citizens had informed credit agencies that some overdraft lines of credit were closed while not others with the transfer of the retail accounts to  XXXX   XXXX . I was informed by local lenders that said  OPEN a ccounts would affect our  credit score.      I have personally contacte d Citizens on two occasions and with my personal (   XXXX   XXXX    ) manager   also twice. Recently, Citizens informed my current  XXXX   XXXX  manager it could do nothing unless I was sitting at her desk and I would confirm she had my authority to talk to Citizens on my behalf. We did so this a.m., afte r forty five minutes of pass-the-buck, Citizens ter minated the call. I can not be the only form er Charter One customer who 's  credit report still contains such erroneous information. All that is required of Citizens, in my view, is to inform the credit agencies that ALL these accounts are closed ; and it will not do so.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I reported my card was stolen on XX/XX/year> and Chase allow a credit card processing company ( XXXX XXXX ) run transaction in the amount of over {$13000.00} over a 2.5-week time frame on my reported card. The transactions started XX/XX/XXXX and I caught it on XX/XX/XXXX. I did everything I was suppose to do and they failed to protect me and my account. They are refusing to return my money
Product: Credit card

Milestone MasterCard with open on XX/XX/year>. I have no recollection of some of these fees on the card, transactions, and these interest rates. There was a charge on their for over XXXX something dollars that I do not have knowledge of. I I try to communicate with them no one return my calls after being told. The account was closed and I did not receive as of today a XXXX. There are still being late fees or updates on my credit bureau that are inaccurate.
Product: Credit card or prepaid card

On XX/XX/2018 I was involved in a scam.My XXXX account had wrong billing information so I called XXXX to resolve the issue. The lines were disconnected and i received a call back from an individual falsely identifying themselves as employees of XXXX. The individual then informed that my XXXX account was being hacked. He told me I needed to buy XXXX cards to contact the servers to fix the situation. After I got them, he told me that I was being hacked by XXXX servers and I needed to purchase " XXXX XXXX '' cards. I purchased some and they were telling me that some of the cards were working and others were not and that i needed to purchase more to have my phone unhacked. They were telling me that i was going to get a full refund because it was a problem that happy because of XXXX and XXXX. It really got out of hand and I didn't realize it could be a scam till one of the banks told me that these has been happening recently. I had no idea. These individuals were using tech jargon and giving ID numbers and phone numbers, I honestly should have known and I used poor judgment in this matter. A police report was filled.
Product: Checking or savings account

This account has been bounced to over four collection agencies since XXXX, this case has exceeded California statute of limitations and is trying to be collected against rules and regulations of debt collection policies. I have contacted bank way back in XXXX and explained that they charged me overdraft fees on an account that was closed. Please help with this matter thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number - XXXX Account name - XXXX XXXX closed and copies of of all three credit reporting agencies all reporting Information on the same account that is different and inaccurate such as payment history, balance due, status, late payment date. On my credit report which has violated my rights under 15 us code 1681 A, B, C. 
I Request within 30 days the verification an the means in witch this information and payment history was validated this debt with in the allotted time or have this deb t removed on the grounds that this information is inaccurate, and in paragraph 2 of this titled exclusions and sub paragraph State that transactions are not included in the consumer report. I request that all late payment history be removed or this account be removed of the credit report. I request all the ways that the account was verified as correct
Product: Credit reporting, credit repair services, or other personal consumer reports

We learned on XXXX XXXX, 2019 that Experian mixed the bankruptcy case of an online company withour company 's credit information and this mixup shows up on our company 's credit report at Experian. We finally got through to Experian after over 5 hrs. of trying to contact them on XXXX XXXX only to learn that we had to email them the complaint info to start the complaint procedure. We filed it on XXXX XXXX, 2019 and received an email acknowledging our complaint later in the day and that it would take a maximum of 4 - 6 weeks to complete and we will receive a letter when they are done with our complaint telling us what they decided and what was done. Yesterday we received an email from Experian stating that the complaint has a no. and has not been assigned to anyone yet and that we won't receive any more emails from them. In order to get updates, we would need to set up an account with Experian. This has all been done. I also have Sen. XXXX XXXX and Rep. XXXX XXXX 's offices working to rectify this problem. At this time we at my company have 17 hrs. into trying to rectify this problem. Experian has not said anything on how they intend to repair our credit after the issue is fixed since it is still on our account until they fix their mistake.
Product: Debt collection

They went to the court in XXXX XXXX and sued me for it without my knowledge I was living out of state when this garnishment was filed in XXXX when they tried to serve me and ended up garnishing me when I came back to Mississippi. It caused me to have to know try to catch up on my bills. The garnishment happened in XX/XX/XXXX. I only got the garnishment information from my company.
Product: Checking or savings account

I had XXXX dollars deposited into my account that didnt hit the mail once I closed my account. I asked for a paper check to be mailed to me and it hadn't been sent... and the everytime I call Chime they keep wanting to confirm my address I ve moved three different times and been to jail since the XXXX dollars deposits and XXXX 2020 I hadnt touch my account in three years because of jail time when I got out and called them I gave them my 3 addresses over the phone on separate occasions and simultaneously but they still said they couldn't verify my account... but here 's the fishy part I gave them my ID to verify my identity through email based off suggest from the chat and phone to give to dispute center with Chime. But usually they send u a text or a email suggestion to do so and I never receive that treatment so it's got me thinking that the customer service reps are pulling a scam all the way out in XXXX because my addresses should've cleared and to identify my account they only need myname and date of birth even though I closed my account I tried to open a new one 8 months after I closed it today they said I cant open a new one over my address again and seems it's because my account is still open but my most likely its so online thieves can harbor my account for multiple fraud transactions to tally up.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, SC XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX TransUnion, XXXX XXXX XXXX Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above have 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX Remove - XXXX XXXX ( XXXX ) Opened:XX/XX/XXXX, Balance : {$5900.00}, Payment status : Collection/Charge Off - XXXX  XXXX ( XXXX ) XXXX, Balance : {$290.00}, Payment status : Collection/Charge Off - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX, Balance : {$4500.00}, Payment status : Collection/Charge Off - XXXX XXXX ( XXXX ) XXXX, Balance : {$5900.00}, Payment status : Collection/Charge Off - XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Payment status : Collection/Charge Off, Balance : {$4500.00} Fraudulent Accounts listed : Remove - XXXX  XXXX BANK NA / XX/XX/XXXX - XXXX / XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit card

I am fromally complaining against CAINE & WEINER I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ).

I have contacted CAINE & WEINER who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAINE & WEINER stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX
Product: Checking or savings account

Signed up for Kabbage checking account offering a { {$300.00} } cash bonus if terms are met. Earn a {$300.00} cash deposit into your Kabbage Checking account after you complete a total of 5 debit card purchases within 60 days of account opening. ( You must apply and be approved by XX/XX/2021. Terms apply. ) Opened Account on XX/XX/2021. Met the terms of the promotion on XX/XX/2021. Terms state bonus will be deposited 8-12 weeks after account opening and after meeting terms. XX/XX/XXXX bonus should've been deposited per the terms. Called in XXXX and said it would be deposited in 2 weeks. Called in XXXX, said it would be deposited soon. Called XXXX and said it would be deposited end of XXXX. Called today XX/XX/XXXX and still not sure when. Have to confirm with business team. False advertisement and not following terms of the promotion. I just want the bonus I qualified for per the terms.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SELF FINANCIA/LEAD BA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir Madam, Subject : Request for Account Details Account # XXXX I am writing regarding the above-referenced account. Please note that I am not disputing the account. However, I kindly request that you provide the following information. 

XXXX The Date of First Delinquency for this account. 

XXXX The Date of Last Payment made on this account. 

The Date of Charge-Off or UPDATE for this account. 

I would appreciate it if you could provide this information in writing. If additional authorization is required to process my request, please let me know at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I was paying monthly and then all of a sudden istopped getting alerts information about my loan I believe I was having issues with the electronic devices Ive been using however I was paying every month and I would like to continue doing that I have a private loan and I have been paying so I need some information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Equifax as well as XXXX several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company XXXX, claims they have sent XXXX and Equifax information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.
Product: Credit reporting

Requested my " Expunged '' State Tax Lien be removed from my Credit Report, started an investigation, Equifax completed the investigation yet this item still remains on my Equifax Credit Report.
Product: Debt collection

Made payment arrangements but XXXX XXXX XXXX agaent did not inform me that at the end of the first payment arrangement another would need to be setup. I ask for phone records but they did not comply with my request to listen to the conversation. Instead they gave me their findings without my involvement.
Product: Credit card

Since XX/XX/year> a merchant, XXXX XXXX XXXX ( XXXX ), has attempted to process seven refunds to my Santander Mastercard related to merchandise not received or cancelled from two transactions. Per information provided by the merchant, these refunds have been declined by Santander. XXXX has provided documentation supporting the refund declines to me, and I have forwarded this information to Santander. 

Over the last several weeks, I have placed numerous calls to Santander attempting to resolve this issue. As of XX/XX/year>, per discussion with Customer Service Department Supervisor XXXX, a request regarding this matter has been sent to the Card Maintenance Department, which has yet to respond. I was first told this matter has been sent to the Card Maintenance Department in a discussion with a Customer Service Department Manager on XX/XX/year>. Based on today 's discussion with XXXX, it has been nine days and this internal department with Santander has yet to provide requested information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, my Citibank checking account had three XXXX Transfers to a person named XXXX XXXX who I do not know nor have not spoken to ever. I did not authorize three XXXX transfers to this person in the amounts of {$400.00}, {$350.00} and {$350.00} all at the same time. I was alerted by Citibank of possible fraud. I immediately called them but they made the transfer anyways. 
I have made numerous attempts to appeal to Citibank Fraud Department but they claim that I authorized the transfer so denied my claims.