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

On XX/XX/XXXX  I filled out an application for a personal loan on credit karma website for XXXX with Regional finance for a interest rate of 35.99 %, after being approved I was asked to stop by their office to sign some papers which I did. Then they told I filled out a application for {$2500.00} my response was no I filled out a application for {$3500.00} this person showed me the contract amount it said {$2500.00} after seeing the amount on the application I did not question it no more and since I really needed the money I settled for the {$2500.00} loan. Then about a month later I was trying to refinance my home and the credit union said I had a loan from Regional finance that had collateral attached to it I told I did not have no such loan that persons response was you have a tv attached as collateral I told that person that I gave regional finance no model number or a serial number for anything, then I was instructed to call regional finance and ask about that and I did just that I was told not to worry about it there was no property attached to the loan .After that I went back to my e-mail and looked up the contract there was nothing said about any tv then I looked a little bit closer and they changed my interest rate to 79.99 % after they convinced me that my application was for {$2500.00} instead of {$3500.00} they switched my application a to higher interest rate that I did not see upon signing. I believe this was done intentionally. Isn't this against the law???
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and I can't understand how they got there. I regularly review my credit report, and everything was fine before, but now there are errors that seem to have appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but the mistakes stayed. I'm begging for a thorough review of the documents Ive submitted so I can stop living with this constant worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I checked my credit scores using XXXX, finding my score reported from Equifax had dropped XXXX points from XXXX to XXXX on XX/XX/2022. The report showed about 10 accounts had been 'Removed ' from the report. The accounts removed were valid active accounts except for an auto loan that was paid off several months ago. I waited until today, XX/XX/XXXX, and checked again - the information ( and my credit score ) had not changed. Both XXXX and XXXX had correct information, all the accounts and my score in the low 800 's. I contacted the customer service number at Equifax to try to get this resolved. I was told I would need to contact each of companies I have accounts with to get them to report my info! I asked to talk to a manger, was put on hold for over an hour and finally disconnected! My husband and I checked his report with Equifax and all of the accounts that had been 'Removed ' on my report were still on his. These accounts are all joint accounts with my name first on some and my husband 's name first on others. We read the article in the XXXX XXXX XXXX regarding inaccurate credit scores having been reported by Equifax. Well it appears they have NOT corrected the problem ( as they lead you to believe in the article ). All I want is correct information so that if I need to use my credit, it reflects the actual quality of my efforts!
Product: Credit reporting or other personal consumer reports

Company furnished inaccurate and illegal information to my consumer report. See attached.
Product: Credit card

I was issued a credit card from Amex with a minimal credit line. When I was told what the credit line was, I immediately reached out to their new accounts department. After being transferred around several times and on hold for 90 minutes I finally reached " the right area '' here I was advised that I can have my line reconsidered once I get my card, with a soft pull of my credit report. I was only advised this after I stated I wanted to cancel the account if I ca n't be reconsidered for a higher line. When I called back two days later ( when I received my card ) I was told my account has to be open for greater then 60 days to ask for a increase which may or may not place another inquiry on my credit report. Basically I was lied to and misled on that first call
Product: Credit card

Discover prepaid card said on their website they would approve me if I made a deposit. They lied and left a negative query on my credit report. They asked for information about my identity and I provided it ( a XXXX with all of my information on it! ) and they still denied me. I went through a lot of trouble to get this and all Discover did was hurt my credit report and harvest information about me! violating privacy laws and being a creepy, lying comapany. 

reference number : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : 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 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: Money transfer, virtual currency, or money service

I received {$0.00} on the XXXX of XX/XX/2023 into my PayPal account, then on XXXX of XXXX, I was asked to provide some informations concerning the transactions which I provided everything cleanly. But they went ahead and initiated a closure on my PayPal account with no tangible reason on what my offence was. I tried reaching them to know what my offense was but they couldn't say anything meaningful. And I am very sure I didn't go against their policy.
Product: Checking or savings account

Before making my purchases, I consistently transferred funds from my savings account to my checking account well in advance both hours and minutes before each transaction to ensure full coverage. Despite this, Citibank has repeatedly overdrafted my account for the same transaction amounts, not just once, but across multiple occasions over the past several months and possibly years. After these overdrafts, Citibank began debiting my savings account without my authorization to cover these supposed overdrafts. 

I have not opted into Citibanks overdraft protection program at any time. I have always been careful to transfer funds in advance of my transactions. These repeated overdrafts and withdrawals from my savings account happened without my consent and without proper explanation from Citibank. 

On XX/XX/year>2025, between XXXX XXXX  and XXXX XXXX, I contacted Citibank to request an investigation and explanation of these ongoing transactions. I first spoke with a representative named XXXX, who was extremely rude and dismissive. I asked to escalate the issue, and I was transferred to XXXX, a supervisor in Client Relations, who explicitly stated that she would not investigate my claim and refused to escalate the matter further. 

Following this, I sent a written escalation to Citibanks Executive Response Unit, but I have not yet received resolution. 

I believe Citibanks actions violate : Regulation E ( Electronic Fund Transfer Act ) for overdrafting my account without opt-in consent, and for making unauthorized debits from my savings account.

Their legal obligation to investigate account errors and customer disputes.

This has been an ongoing issue across multiple transactions, not an isolated incident. I am seeking assistance to have this matter fully investigated, to have all overdraft charges and unauthorized debits reversed ( including past transactions ), and to receive written confirmation that my account settings particularly regarding overdraft protection are correct and that this issue will not happen again.
Product: Debt collection

This is included in my bankruptcy XXXX XXXX, I provided all information to this company and credit bureau XXXX they failed to remove from my credit
Product: Mortgage

I contacted AmeriSave Mortgage Company on XX/XX/XXXX in order to get a pre-approval letter that was required by my realtor in order to preview homes to purchase. XXXX XXXX was the loan officer I spoke with and who granted my pre-approval and went as far as to process the pre-approval to a certified approval stating it would give me greater buying power writing a non-contingent purchase contract if I found a home I liked. He said he could " Lock In '' the current rate for {$500.00}, although I thought was strange since there wasn't yet a purchase contract to tie it too, but agreed only because he said I would get that back at closing. He never said in that conversation that it was NON-REFUNDABLE. Unfortunately, I did not find any homes I previewed on Saturday and Sunday the XXXX and XXXX of XXXX. I did however find land with a manufactured/modular home to buy. I contacted XXXX XXXX on XX/XX/XXXX to advise him of this and asked him if he had a loan program to accommodate this type of home, and if not, I would need to cancel the application and asked him to have my {$500.00} credited back to my account. I did not get a response. I again contacted him on XX/XX/XXXX. And again, no response. On XX/XX/XXXX I contacted XXXX XXXX, XXXX and XXXX XXXX, Pres of AmeriSave through my contacts on XXXX. I assume one or both of them contacted XXXX XXXX at that time because it was at that time I not only received an email from XXXX XXXX but also a voice mail from him. I emailed him back advising him that I was in contact with XXXX XXXX and XXXX XXXX for assistance and a resolution. It was only at that time that XXXX XXXX told me in his email that the {$500.00} was NON-REFUNDABLE. Since I had not gotten a response from either XXXX XXXX or XXXX XXXX by this morning, I tried reaching out to them again but could not because they blocked me from messaging. I would appreciate your help in getting this matter resolved as I believe I was misled by XXXX XXXX in the application process and received funds under false pretense.
Product: Credit card or prepaid card

I received an email almost a month ago from venmo that my account was frozen.They asked me to send proof of identity via drivers license. I did that, proof of bank account, I did that. Meanwhile it takes weeks for anyone to respond to my emails or documentation. I only have {$68.00} in the account but I had intended to set up a direct deposit for monthly deposits of hundreds of dollars. Thankfully I never did. Now I can't get anyone to tell me why the account is frozen, unfreeze it or close it. Just last week I sent another bank statement and now they can't read it. I am done. 

I just want the account closed and the {$68.00} refunded to me. I am tired of the games.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX is showing up on EXPERIAN under account # XXXX. The open date is different than what is listed on XXXX and there is nothing for this account listed from XXXX. I really have been spending countless hours now monitoring my credit report, filing dispute and spending valuable time since my identify was stolen. It seems like this may be my life. Monitor and dispute. This account does not belong to me. Also, the information is completely different on two different credit bureaus and doesn't even show up on XXXX. This is willfully noncompliance. They know I have a fraud alert on my files, and they still make me go through this process.
Product: Checking or savings account

I wrote a check for {XXXX} to my telephone service provider, but the bank paid {XXXX} to that payee when my check was deposited. When I called the bank to complain, I was originally told they were sorry for their mistake and I would get a refund. But, after a week of waiting and two more phone calls, I was told that it was not a bank error because I had written " XXXX and XXXX XXXX hundredth dollars '' in the legal line of my check. Which they concluded meant that I wanted to pay XXXX XXXX XXXX dollars ( {XXXX} ) to the payee, even though I clearly wrote {XXXX} in the 'Pay to the order of ' line on the check. 
The bank is Bank of America, and the payee is XXXX XXXX XXXX of XXXX XXXX XXXX, Florida. Check number XXXX. Case number XXXX
Product: Debt collection

I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.
Product: Money transfer, virtual currency, or money service

Hello i have complain this previously you closed my comlain but i did not get the solution from the company i am again doing complain against the company kindly strictly forward this complain to paypal this was I have been using PayPal since 2017 and during this period I don't use PayPal too much last few month I stared using PayPal and receiving payments from my clients.I have updated my personal account to my business account and the limitations was placed on account immediately PayPal asked me to provide 4 things proof fulfillment photo id more information about transactions i have XXXX $ in paypal account I provided them all information and photo id document but after 2 days I was received email from PayPal we have permanently limited your account you can no longer do business with PayPal I don't now why all this happened I tried to contact with PayPal but I have not found any reply kindly Help me in this matter and help me in getting back my account Account Details : First name : XXXX XXXX name : XXXX Email address : XXXX Pp reference id : Ref ID - XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act everything has to be XXXX accurate on my credit report. The credit bureaus stated my account was properly invigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date of last payment is inaccurate.this is grounds for removal they also violated my rights under 15u.s.c1681 602A states I have the rights to privacy. 15u.s.c1681 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.also the credit bureaus took longer than 30 days to complete an investigation. Please remove the following accounts for several violations or I'm demanding {$1000.00} for the XXXX violations.inclosed is all of the accounts with violations grain # XXXXXXXX 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 card

This is absolutely absurd! I am writing this in response to my initial complaint against Equifax from claim # XXXX. My original complaint was that Equifax did not process my letter that was sent to them on XX/XX/23, only for them to respond to my complaint by requesting me to send them another letter?! How does that make any kind of sense? I have already complied with the information that they requested of me by submitting a letter along with my driver 's license, social security number, current address, and my full name ( which I feel uncomfortable putting out into the public space in the first place ). My complaint was that they are giving me the run around with processing my documents showing that several accounts were included in my bankruptcy in order to update my credit report ... and now they are wanting me to send them ANOTHER LETTER? This is ludicrous. I have been requesting them to update my file for months now. Seems like they are mocking me, as well as the governing entity that is responsible for keeping them accountable, by not taking this complaint seriously. I am prepared to file a lawsuit against Equifax if this matter is not handled properly. All I am asking for is to update my report accurately, in the manner that Equifax claims is their first priority. I am extremely upset by this and I am ready to escalate this matter legally.
Product: Debt collection

I received messages from my former employer that a debt collection company was calling them several times a day for me. I have not worked at that company for over a year and they never called while I was working there. Today, I received a call from them. In the message they disclosed private information about my debt collection.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue that I recently faced with my PayPal account. Despite being a responsible user who follows all the terms and conditions of PayPal, my account has been permanently limited without any prior warnings or notifications. 

As a new user, I was looking forward to utilizing PayPal for my online transactions and was excited to start using the platform. However, I received a notification that my account has been permanently limited, causing me inconvenience and distress. I have tried reaching out to PayPal 's support team to inquire about the reason for this limitation, but I have not received a clear or satisfactory answer. 

I am confident that I have not engaged in any activities that violate the terms of service of PayPal. I have always been careful to follow the guidelines set by the platform, and I have not experienced any issues with my account until now. I believe that my account has been limited in error, and I am eager to resolve this matter as soon as possible. 

I understand the importance of security measures, and I am more than willing to comply with any verification procedures that may be required. I would appreciate your assistance in investigating this matter and providing a resolution that would allow me to regain access to my account and continue using PayPal for my online transactions. 

Thank you for taking the time to consider my request. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter dated XXXX of XX/XX/2020, from Barclays of XXXX, Delaware XXXX, that they had inquired about my credit score. I do not recognize this company. I did not authorize them to look up my credit nor did I inquire about any kind of card or services of theirs. Attempts to contact their complant department using a phone number on their website ( XXXX ) do not result in contact with any human being, and they provide no other number in which a human seems to answer. That is my extent of an inquiry with them as it made it nowhere. I would like to find out who authorized a credit search, copy 's of all documentation related to this, as well as an explanation as to why they can search my credit without my consent. Application # XXXX
Product: Mortgage

The company has not explained why there is a constant increase in mortgage monthly payments or why or how I can close the escrow account and pay my own taxes and insurance. I secured my own homeowners insurance and paid for it, they then continued to pay and had the insurance company refund my payment, yet making sure there was no deduction in monthly payment. They will not answer the issues I need answered but instead send generic replies. They continue to add more to my monthly payment since they acquired this loan in XX/XX/2024, I have never been late with a payment, yet the payment amount continues to rise. As of now I am paying more with a lower interest rate than the original amount. I am a XXXX and seem to be targeted to loose my home of XXXX XXXX XXXX. I have not received any notices or reasons for increase from the mortgage company, learn of this increase when going to pay monthly mortgage payment.
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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Charged unadvertised, unfair and undeserved apr of XXXX rather than the advertised XXXX for XXXX score and not given {$1000.00} discount for items purchased as promised for applying for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. This fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. DEPTEDXX/XX/XXXXXX/XX/XXXX ACCOUNTS XXXX andXX/XX/XXXX