23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This complaint is in regards to Barclays Jet Blue credit card. I am trying my best to lower my credit card balances and payoff my credit cards which of course would help my credit score. I had a XXXX credit line with this Barclays card and I was paying on time each month a little over the minimum. I only had a little over {$300.00} a available on this card. I paid a big sum over {$1000.00} on this card in hopes to work towards my goal of improving my credit score. Today, XXXX XXXX, I found out that they cut my credit in half to {$1000.00}. I did reach out to the company and all they told me is the reason they lowered my credit was due to my credit score. I dont feel this is honest and it seems very predatory and a way to keep my credit score low in order to maintain my high interest rates. The only solution the relationship credit manager gave was to apply for an increase on my credit line which would require a hard inquiry, which would cause more negative results on my credit. I really feel this should be illegal for credit card companies to try and find ways to cripple your financial efforts in increasing your credit score. The only action I took so far was to fully pay off the balance because I know closing this card would also effect me negatively. Thats my complaint. Thank you for any help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB complaint as a follow for the previous CFPB complaint I submitted last XX/XX/2022. I discovered that some of the information being reported on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected as soon as possible : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$460.00}. Also, I would like to request that the credit Bureaus send me copies of proof of veriication as a result of the XXXX XXXX investigation.
Product: Debt collection

This company calls my phone XXXX XXXX times a day and every time they call it starts at XXXX XXXX. I spoke to a representative who wasn't too worried about the fact that they are calling in violation of FDCPA his biggest concern was trying to get an alleged debt resolved. I informed him they were calling prior to the allowed time he said it didn't matter and that they do this all the time. 

I informed him this wasn't my debt and he said they will continue to call and hung up. They have continued to call daily and all before XXXX XXXX 

The company calls from different numbers but they all lead to the same company.
Product: Debt collection

Showing incorrect debt owed on my credit report from Amcol Systems Inc. The date claimes to be opened XXXX 2015. This is not my debt.
Product: Debt collection

XXXX XXXX is not a mortgage service company. They hold themselves out as XXXX but in reality, they answer the phone and upfront tell you they are a debt collection agency attempting to collect on a debt. They read you a disclosure on a tape-recorded message before they will speak to you as any debt collector or debt collection agency does. 

Under the CARES ACT set up by Congress a Federal law was enacted CFPB set forth that companies like XXXX and others could not collect LUMP SUM PAYMENTS for Forbearance payments when the forbearance period ended, in my case, it was XXXX  months long. 

XXXX, claims I am XXXX  months behind in my payments and is trying to force me to pay {$100.00}, XXXX, XXXX to bring my account current when in reality they have added {$52000.00} worth of payments to my account, which they know is wrong. I spoke to XXXX XXXX this AM XX/XX/23 about XXXX XXXX  and he refused to discuss the matter with me. I have emailed XXXX also, so they are fully aware of the situation, that I have made them aware of. Yet they are moving ahead with my foreclosure sale. 

I asked for a copy of my modification that Shellpoint granted and then XXXX turned it down, and it has yet to come to me. XXXX XXXX again said that the papers were sent via email to me yesterday to the email address I gave them XXXX. They still have not arrived after XXXX hrs. I have been informed by CFPB that the modification that Shellpoint gave me, that XXXX must honor, just like XXXX must honor the Cares Act, does not allow them to dump {$52.00}, XXXX in the loan amount along with insurance and fees on top of me and then move to foreclose.
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 and financial loss, and I seek appropriate redress for these Violations
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXXXXXX XXXX central time, I submitted a credit application through the XXXXXXXX XXXX retail store smartphone app with Synchrony Bank. 

I was not presented with the terms of credit that I was approved for and an account was open in my name without my permission or authorization. 

I immediately called synchrony Bank and asked them not to process the credit account opening and they told me that they would not do that.. the account was opened and that all I could do was close the account. 

I was very unsatisfied with the terms that were only presented to me after the application was processed for 29.99 % rate and only a {$1200.00} credit line. But I was not provided with a way to decline the offer of credit. 

This is an unfair deceptive act or practice ( UDAAP ) because I was not presented with clear terms for the credit account I applied for, n was I asked to accept the offer of credit prior to the account being opened in my name. 

I asked a gentleman who was named XXXX who accepted my call as 'the manager ' to cancel the opening of the account for the reasons stated above and he would not. I asked him to send me a letter proving the account was closed and he said he would send a letter. I also asked XXXX to file a formal complaint in synchrony bank 's complaint management system and I do not believe that occurred. 

XXXX was combative and did not assure me that there was a way to cancel the account without it being authorized by me. 

He was rude and seemed agitated that I was dissatisfied.
Product: Debt collection

I sent a notice of cancellation of contract and submitted a complaint to the Attorney General in XXXX. I also placed a dispute on the account with the credit bureaus at that time and have since renewed the dispute. The creditor has not been on my credit report for approximately 6 years until recently. I received a call from them XX/XX/XXXX. Then the company reported to the credit bureaus that the account is 10 months late payments. This has reduced my XXXX XXXX. They are reporting an old debt as new to reset the clock. 

The company is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX
Product: Debt collection

I used XXXX XXXX as my cable and internet carrier for approximately two years prior to this alleged debt. Approximately XX/XX/XXXX I transferred service to my roommate at the time in which they had been paying the bill for 2-3 months prior to the transfer of service into their name. I made the XXXX agent that was handling the call that the service was still in my name but the other party had been paying the bill and I just needed to switch the service into the other party 's name and during that call I also made sure the agent was aware that I had not been making the payments but the other party was making payment and the amount due was current at that time and made sure that I was not going to incur any charges in my name and the agent assured me that I would not incur any charges as the service would transfer out of my name. I recently have found that this matter has been transferred to collections and in XX/XX/XXXX or XX/XX/XXXX called Diversified Consultants Inc. that is the collection agency handling this case and made them aware that I did not owe this debt and that i wanted to dispute this matter. I never recieved notice from XXXX that I allegedly owed them anything or this would have been handled at that time. I am not responsible for this debt and the agent handling the call years ago was made very clear of that and assured me that I would not owe anything and that it would simply be a transfer of service and that any remaining balance would carry over into the other party 's name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid a collection account in full with XXXX XXXX , XXXX. I have proof of payment.

I filed a dispute with Equifax twice ; as of today I filed another one so 3 in a row. They are stating the balance and info is correct that they reached out to the creditor. I reached out to the creditor and they told me the account is paid in full and is no longer in their system. 

XXXX  and XXXX  have already removed the collection from my credit. Equifax is giving me a hard time and not removing it or correcting the balance info. So I am having to take this into further action.
Product: Money transfer, virtual currency, or money service

Hello, I am writing in response to a Coinbase issue I have ran into in which shares were taken from my account XXXX purchased XXXX shares on XXXX for XXXX. On XXXX the shares in Coinbase showed I had {$75000.00}. 
Coinbase deducted my account and illegally took XXXX shares of XXXX without my consent. These shares are currently valued at {$100000.00}. I am requesting the Shares I purchased be reinstated on my account immediately to avoid further action. Please update # of Coins from XXXX back to XXXX which is what I originally purchased. Proof of ownership is listed below. 
{$980.00} ( after coinbase fees ) at XXXX per XXXX. I owned XXXX units and these were valued at {$75000.00} in Coinbase on XXXX. On XX/XX/22 Coinbase updated my share ownership from XXXX units to XXXX with no notice. I understand from the site they have technical issues and suspended trading of these but they need to warrant the transactions that were made.
Product: Student loan

My payment amount on my XX/XX/2020 statement increased by over {$200.00} without any notice or reason from Fed Loan Servicing. I paid my usual amount and emailed Fed Loan. No response. I email them again and finally get a response which included a threat about reporting me to a credit agency for late payment of the balance of {$210.00}. Incredible! I paid my usual amount while waiting for an explanation that never came until I emailed again and they threaten me!? I have an excellent payment history on this loan and all of my other debts. This is insulting and infuriating. These people are the worst. I paid the {$210.00} just to stop them from fraudulently reporting me to a credit agency.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX I am filing this complaint because I am a victim of identity theft. Unauthorized accounts and transactions have been opened in my name without my knowledge or consent. These fraudulent activities have resulted in the following inaccurate items being reported on my credit report : The fraudulent activity includes the following items : An Account Opened at XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # XXXX. 

Nature of Complaint The presence of these items on my credit report is in direct violation of my rights under multiple federal laws. Specifically : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 : As a victim of identity theft, I have the right to have these fraudulent items blocked from my credit report within four business days of notifying the consumer reporting agencies. These agencies have not complied with this requirement.

FCRA 15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. The continued presence of these fraudulent accounts demonstrates a failure to verify the accuracy of my credit report. 

XXXX XXXX ( 15 U.S.C. 6802 and 16 C.F.R. 313.7 ) : I am exercising my right to opt out of the sharing of my personal information. Despite this, these accounts continue to be reported without my verifiable consent.

Privacy Act of 1974 : The mishandling of my personal information, leading to the erroneous reporting of these accounts, infringes upon my right to privacy and the protection of my personal data.
Product: Prepaid card

On XX/XX/year> I discovered that someone had been stealing all of my benefits from XXXX using my information and a card that I never received for unemployment benefits. On the same day that I discovered that fraud had occurred which was on XXXX I reached out to Way2go prepaid card services and filed a claim for fraud. At that time the representative gave me 2 out of the many transactions that had been made at XXXX to get the money off of my card. One of which was in XXXX florida and the other was in XXXX florida. I received a resolution on my fraud case # XXXX when I called Way2go fraud services on XXXX saying that my claim was denied because it was past 120 days the time frame to make a claim. That is not my case because the same day I discovered the fraud I filed a claim. I didnt even wait a day or XXXX later. I immediately reported the fraud. The only reason I even found out about the fraud is because I was applying for unemployment benefits again and I went to the my payments tab and that is when and where I discovered the fraud.
Product: Debt collection

I mailed several cease all contact letters to this Credit Collection Agency, but they have failed to honor my request to not be further harassed by telephone or via letter.
Product: Credit card or prepaid card

I had made a purchase at XXXX for a couch using Genesis credit card on XX/XX/2022. The couch was lost in transit. I asked for a full refund, as the item was no longer available. the refund was processed XX/XX/2022. 

XXXX provided bill indicating Genesis Credit Card, received the payment back. 

I called Genesis credit card to ask why do they keep charging me for a credit that was already paid back in full. 

I sent Genesis Credit Card a Fax with the bill confirmation that they accepted the payment from XXXX. 

Genesis, says it takes them about XXXX weeks to received a fax. I called and still no update. So, I mailed in all the documentation including, proof of fax, proof of payment return, email confirmation from XXXX. These documents were mailed to their address : Genesis FS Card Services, po box XXXX, XXXX, XXXX XXXX via certified overnight mail and they received it XX/XX/2022. 

I keep calling and they see a dispute has been open and they always place me on hold for over an hour every time. Basically, until I get tired and hang up.
Product: Debt or credit management

I signed up for what I thought was a debt consolidation. Then they said I could not get a loan. Then After enrolling in the company, someone contacted me saying that they were a lawyer and I should not worry about anything further but not speaking with any creditors directly because it would hurt me. Meanwhile, my credit score took a big hit, under XXXX and I received two summons from creditors. Another lawyer, XXXX contacted me and said she was taking care of the issue and I should not worry about anything. Then after calling her twice, she said she was going to make a settlement offer. She asked if I could afford XXXX dollars a month for the settlement. I replied no since I was paying the level one law XXXX per money to pay these settlements off. Not on top of the payments. I have been in the program for over a year putting {$8000.00} dollars and I was misled on how this works. I repeatedly tried to contact the company and all phone numbers/chat says that it is inactive. It leads to nowhere. I started looking online and the company has a rated F on the XXXX I discovered many people 's reviews of it being a scam. I tried reaching out to XXXX with a voicemail leading to a full mailbox each time. I have since talked with the actual creditors who were nice and not at all the way level one law described them to me. Another document came through saying that they were not in litigation and to sign saying they hold no money upfront. This is unethical because after reaching the global bank holding my money to disperse to my creditors said they are in fact in litigation. I now am just waiting after canceling through the bank to get money back, but I am guessing they are just going to pocket it all and waited one year of diligently making payments and getting nowhere with a company that will not even call you back. there is currently no way to get in touch with them. I realize that I can no longer be helped because I fell for their scam, but I am writing this to help others not end up in this predicament.
Product: Debt collection

When asked 2 identify themself they hang up immediately, or say they dont have 2, and i have others 2 back this up as i usually answer unknow calls like these on speaker
Product: Debt collection

I paid off my auto loan with the amount the company agreed to. But they reported it like I underpaid the company. Ive did a report with your company and Im not understanding why you closed my complaints XXXX XXXX
Product: Debt collection

My x wife open many accounts in my name. They were made her responsibility in our divorce. She inherited this XXXX account and the bill I took responsibility for the XXXX XXXX account. Her name is XXXX XXXX XXXX and lives at XXXX XXXX XXXX XXXX NY XXXX
Product: Debt collection

www.uscollectionswest.com The U.S. Centers for Disease Control and Prevention ( CDC ), at the direction of the President, filed an Order in the Federal Register to temporarily halt residential evictions to prevent the further spread of COVID-19. The Order, which went into effect on XX/XX/XXXX, temporarily bars evictions of certain qualified renters in residential housing until XX/XX/2020. 

These people are collecting a debt incurred during the pandemic and ignored all of the laws in place at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX today date is XX/XX/XXXX My Equifax Confirmation number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the Equifax data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX  sale at XXXX in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone and XXXX XXXX XXXX {$8600.00} 09 XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX XXXX XXXX XXXX XXXX Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing this account since 2015 and they would not remove it cause its not mine and I have never lived in Ga before so I have been trying to get them to remove it and show me proof that I open this account and they cant
Product: Credit reporting or other personal consumer reports

in accordance with 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 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section2. it also states a consumer reporting agency can not furnish a account without my written insturctions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States. no consumer reporting agency my make any consumer report containing any ot the following items of information Any other adverse item of informationother than records of convictions of crimes which anledates 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 resonable cause to believe thatvthe information is inaccurate
Product: Debt collection

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still it is very important to me to have a good and positive remarks on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating..
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2023 I have a account with current which is a online only bank. I have been trying for XXXX weeks to get funds transfered to a local bank so I can purchase a new car and they can't get my bank to verify so it won't allow me to transfer the cash. I have spoke to XXXX XXXX XXXX  XXXX current and they both keep saying it's the other banks issue. I need this money so I asked to have the account money sent to me in a check and I have been told they don't do that. I have also been told to close the account there is a charge and also they can't issue a check because it's being looked into. I am just getting a run around and I need my money.