23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My account had multiple balance transfers at various interest rates. Two of these balances were set to go from a lower rate of XXXX and XXXX to a full rate of 25.24 % as of XX/XX/2024. My statement dates close out on the XXXX of the month. 
Knowing that these rates were expiring, I sent in payments totallying {$4400.00} on XX/XX/XXXX, and then the minimum payment of XXXX was also automatically deducted on XX/XX/XXXX. 

According to my XXXX statement, the balances expiring were of the amounts {$2700.00} and {$1400.00} ( known as transfer balances XXXX XXXX XXXX  ). I also had a purchase balance at the high rate which was {$890.00}. These XXXX balances together equal {$5000.00}. 

All of the {$4400.00} extra that I sent in should have effective reduced my balance at 25.24 % to about {$690.00}. Instead, only about {$400.00} of the {$4400.00} was applied to the balances whose promotional rates expired XX/XX/XXXX and were as of XX/XX/XXXX, at 25.24 %. Some went to the purchase balance of {$890.00}, then most went to balances at 4.99 % ( known as balances XXXX and XXXX ). 

What Citi is trying to claim is that, though the promotional rates expired XX/XX/XXXX and after that date I was being charged 25.24 %, they can legally apply the payments based on the rates at the time of the XXXX statement. As a consumer, this procedure is illogical, and of course I would have intended the payment to pay anything that as of XX/XX/XXXX, was at a higher rate, which included balances XXXX and XXXX as my first priority for payoff.
Product: Mortgage

My mom died in late XXXX of XXXX. Her funeral was postponed until mid XXXX of XXXX. We didn't have the money initially to bury/cremate her because the XXXX XXXX XXXX policy that she purchased would not pay out until they reveived the death certificate, payoff statement and Corporate Resolution. The latter XXXX documents were required because my mom established the policy to first pay off her home and then any remaining dollars would come to me to handle other family affairs and other end of life matters. Per XXXX XXXX XXXX, this process takes up to XXXX weeks. When I requested the Corporate Resolution from Flagstar Bank, the mortgage company, everyone that I spoke to stated that they have never heard of a Corporate Resolution and it was not needed because XXXX only had to wire the insurance payout to Flagstar per the instructions listed on the Release/Payoff statement provided by Flagstar.

Via certified mail, I sent the Payoff statement with a note to XXXX asking them to review this and to contact Flagstar for more information on how to quickly resolve this. XXXX 's response to me was to send a corporate resolution and only then would they issue the insurance payout. 
Finding no comfort or resolve, I got XXXX and Flagstar on the phone together so that each representative could communicate. Unfortunately, no progress was made. 
I made sure to speak with a representative each week to check on the status of my cases/contracts/policies. Everyone seemed so unwilling or unprepared to escalate my issue. I talked to multiple reps ; up to XXXX per call with Flagstar. EXHAUSTING! I continued to communicate by phone email and mail to let the companies know that there is mony to pay the house off in full if they would cooperate with each other. Neither of them budged. No XXXX called me back after promising to! 

It's XXXX of the following year and my mom 's home is in foreclosure. Flagstar locked my moms and my things away from me. I have been maintaining this home since her death. Ipaid every bill as well as my own. 
My family took care of the lawn; shoveled the snows, removed the trash. ALL OF IT! 
I notified XXXX that the home is in foreclosure and only NOW have they agreed to wave the corporate resolution and pay Flagstar. 
Eventually, I had to get some lawyers on this case because FlagstarXXXX XXXX XXXX XXXX XXXX have filed a suit against me to take moms home my -childhood home. This process has been draining and filled with disappointment. It has made the grieving process much worse, financially, emotionally and physically. 

It's XXXX now and I am in legal with Flagstar. I can not believe this is happening. I was simply trying to do right by my mother and her hard work and this is what happens. I want this issue resolved and this home to stay in my family. These companies need to fix their systems and start working for the consumers. 
This foreclosure should have never started!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am rejecting this response because : this account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Product: Bank account or service

I sold XXXX items on eBay and the items were successfully mail with tracking and received by the buyers, PayPal placed my funds on hold for 21 business days to make sure there were no conflict with me and the buyer. My funds then were released more that a week ago and I moved a portion to my savings account with my credit union. A few days from today, PayPal placed a restriction on the remaining funds in my PayPal.com account and has provided an erroneous reason why my funds are being held and why my account blocked. I called and email PayPal customer service and they simple told my PayPal no longed want me to use their service but they are unwilling to give my my money back also. PayPal want me to give them my passport copy, my state id copy, plus back statements and I refuse to give them this information because PayPal already have my social security alone with other information about me and how I look like. I feel PayPal is practicing abusive behavior and manipulating users in order to hold their funds in PayPal rather than the user moving the funds to their banking institution.
Product: Money transfer, virtual currency, or money service

I received a XXXX from Block/CashApp, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The form indicated I received {$64000.00} over the last two months of XXXX. In total, it said there were XXXX transactions. 

The account on my phone and the one I have used said zero transactions and zero dollars received. When I called them the agent verified that.

I asked the agent how do I get this corrected and a new 1099-K issued. She said she could not do that but asked for an email that I would get info from their tax department. I got the email and it gave me FAQ 's on general cash app stuff and a place to check my account. Since I complained, they shut my account down and I can't access any info. I have called back 3-4 times and each time they said there is nothing they can do but inform the tax department.

CashApp clearly doesn't care to resolve this and I have read on many forums that I am not alone. While they many not being engaging in fraud they are not interested in preventing it or doing something about it through their platform or through their customer service. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a affidavit to Synchrony Financial CEO stating that his company has been put on NOTICE that they are furnishing incorrect inaccurate information. Explaining they are PROHIBITED BY LAW to furnish inaccurate information, while demanding to Cease and Desist the reporting of the incorrect and inaccurate information immediately. No updates have been made as of yet! 
Letter is attached below explaining the law ( s ) that consider this information inaccurate.
Product: Credit reporting or other personal consumer reports

Reached out to the company requesting original signed documents over 30 days ago and no response. Reached out to the credit bureaus and no response yet
Product: Debt collection

I requested that Simon Agency provide me with validation, specifically proof that they were authorized to collect this debt, the name and address of the medical provider, the date and type of service, and to whom the service was provided, the name of the person providing this data, and the manner in which it was provided. 
They have failed to provide me with the specific requested information in the time allowed, therefore, I am insisting that these items be deleted from my file. 
Furthermore they have violated my HIPPA rights
Product: Student loan

I called AidVantage on XX/XX/XXXX to request a refund of my student loan payments made since XXXX of XXXX until the present. I was told by a rep. then that my balance would be reinstated within XXXX hours and approved in XXXX weeks. It is now almost XXXX weeks later and I have not seen my balance reinstated on aidvantage. I have called once a week since then and have received different information every time I was called. I even called this past Monday, XX/XX/XXXX, and I spoke to the most unprofessional rep. He told me to calm down and to stop calling. He even brought in my age and implied because I was young, I was impatient. I have filed a complaint with AidVantage only to receive an apology email stating they are working on it, and now I have to wait an additional XXXX weeks. This is absolutely ridiculous. There is no confirmation that my request has even been approved, and every time I call, I get a new answer to where my refund is.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 us 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for XXXX XXXX. Ive submitted disputes every quarter starting in XX/XX/2018via the bureaus direct websites.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 


XXXX : XX/XX/XXXX : I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXXXXXX XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete It from my credit report today! 
XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : Account number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX XXXX  Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX : Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Checking or savings account

My PayPal account is banned and I don't know the reason and I have not done any crime
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX open XX/XX/XXXX, XXXX XXXX XXXX open XX/XX/XXXX,
Product: Debt collection

My identity was stolen and apparently I owe this company {$18000.00} for XXXX. I am extremely upset and do not want this to damage my credit. Whoever stole my identity also tried to open accounts and get XXXX XXXX in my name. Luckily I caught it soon enough and froze my credit. I need to know the next steps & have this debt erased please
Product: Checking or savings account

This is the third time someone is opening a debit card account without my consent or knowledge. 

The first time was XXXX XXXX Second was XXXX  Third was M & T bank I had to call everyone as soon as I got my debit cards in mail to cancel my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

MY CREDIT WAS RAN ON XX/XX/2023, I DID NOT AUTHORIZE FOR MY CREDIT TO BE RAN.
Product: Credit card or prepaid card

We got the American Express card when we filed our taxes. We were told to keep it after we could reload it w the route number and account number. We had XXXX XXXX [ XXXX ] unemployment benefits PUa and the funds were dd on the card. We were paying Bill 's buying clothes online due to covid.and safe distance from others due to being pre medical conditions. Afraid of on set covid exposer in high risk area. And American Express serve shut the card off. Due to fraudulent activities. I'm XXXX XXXX XXXX and I have called my daughter had to call my husband called. We were told that no one could have any money deposit except for head of household card holder. They were letting us spend it. We were getting confo invoices. Then one day rejection letter of cancellation of payment. Serve fraud account informed us that a paper check would be issued. Then we were informed that it would be returned to sender. Then a 3 time the sender would send request of funds be returned to them. Unfortunately none has been done. It was XXXX directly deposited. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

New Information being submitted : FTC # XXXX I've been a victim of Identity theft and have reached out to the credit bureaus, however fraudulent information is still being reported. I've complied and filed a new FTC complaint. 
This has negatively impacted my score taking me from low XXXX to XXXX 's and I've been denied a home loan. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX