23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

1 : I applied for the XXXX XXXX Prepaid Plan. After reviewing that I have signed the payment completion order, XXXX XXXX will not send my order to various issues. Also limited my 2 : I opened PayPal 's PayPal credit account, when I bought a very smooth shopping ready to complete the payment order, waiting to send my phone 's verification code to verify my personal information, I enter the verification code verification result verification is wrong, I The customer service staff who had called and consulted answered the verification code again. I repeatedly asked the customer service staff to confirm the verification code and enter the verification code. The last error was inconsistent. I think the paypal card is actually just a fake digital wallet. Unable to use, PayPal deceives consumers. Because I consult customer service, customer service can not answer, transfer topics, and finally hang up. 
I can't use PayPal credit payments, PayPal cheats consumers, and my credit report doesn't show that I open a PayPal credit account. 
I must complain about XXXX XXXX and paypal.
Product: Credit reporting or other personal consumer reports

I have a capital one card 2 of them and there are closed if they closed da acct they can't report late payments cause da acct is all ready close
Product: Credit reporting or other personal consumer reports

I advised all credit bureaus my wallet was stolen while I was in the hospital having XXXX XXXX and they have not done anything to help me
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i receive a promotion in the mail an applied they said decline because there are too many active credit card based on my loan history. i only have a XXXX XXXX XXXX XXXX XXXX This should'nt have anything to do with my credit history, i have very good credit an they ran my credit report twice.
Product: Bank account or service

I signed up for pnc bank account last year and used it as my direct deposit account and also my tax return. IN that time I sent a check from my bank I use for purchasing and selling online to them to put extra money in that account except I wrote it from an old checkbook which had closed my account. At that point I had a positive balance and it went negative. B4 they even asked me about what was going on they closed my account which my next pay check that week would of covered what was overdrafted and it was a clear mistake on my part and I apologize. I owe the bank XXXX dollars that I would like to pay them in return having my account removed from chexsystem as FRAUD which I have never committed and never plan on committing. I think I received an unfair judgment here.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposeXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX has violated my federally protected consumers rights. on the following dates XXXX  has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting me as a authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Last year I was notified that I had a debt from best buy/city bank regarding a debt that I hadn't paid. However, I had never made an account under the city bank or best buy. Then When I tried contacting them for an invoice or proof of purchase, they were unable to provide that information.
Product: Mortgage

I 'm in the process of a deed in lieu with XXXX XXXX XXXX under the ( HAFA ), where they are allowed up to {$12000.00} to pay off a lien. in my case being a XXXX mortgage of less than {$10000.00}. Springleaf Financial the XXXX mortgage, as well as XXXX have all the information provided to them, phone numbers, fax numbers, account information everything needed to get a negotiation done. Springleaf even after several months of me calling and faxing them information and after XXXX has mailed them an offer do n't seem interested in a settelment. they have written this account off in XX/XX/XXXX, and only seem interested in 1 payment on original loan. Is there anything that can be done to settle this matter before this turns into a full foreclosure. Thank You XXXX XXXX
Product: Checking or savings account

Charged me overdraft fees and then kept charging me overdraft fees for every transaction that tries to go through, even though they weren't allowing the transaction to go through but they were still charging me overdraft fees. XXXX a month or more. Didnt even cover the transaction, yet still charging overdraft fees.
Product: Debt collection

I had a car contract with XXXX XXXX XXXX which required a cash down payment of {$3500.00} on XX/XX/2021. This is a violation of 15 USC 1662 ( B ) and also the contract does not have any disclosure for my right to rescind which is a violation of 15 USC 1635. XXXX XXXX XXXX sold the contract to XXXX. Financial without my consent. G. L. Financial has harassed my family and use aggressive tactics threatening to seize or take my vehicle this is a direct violation of 15 USC 1692 E ( 4 ) as to a threat is fraud and illegal in the collection of any debts this is a right secured to me by this code herein and the XXXX amendment of the US constitution. 

When I attempted to verify the debt, with G.L. Financial had a lawyer 's office, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, respond back using a scare tactic to get me to back off verifying the debt which is a direct violation of 15 USC 1692 E ( 3 ) with using false and deceptive means of communication. I have enclosed exhibits for proof of all claims.
Product: Mortgage

Bank of America is offering loan mortgage modifications for families with reduced income or affected by COVID Pandemic. We apply for a loan modification and Bank of America did not give us any information about the new loan until we received a loan modification agreement in the mail with 4 days to sign and mail back. The terms in the loan modification are a fraud. Bank of America gave us 40 year loan with 4.875 INTEREST RATE and with a BALLON PAYMENT of {$360000.00}. 



I have called them several times and sent them a registered letter but no response. They never informed us about the loan modification terms they were offering to us. When we asked we were told that they were not allowed to give us any information. 



This is how and why people lose their homes and this is why we have so many homeless families in California. Bank of America threats customer with an iron rod. They don't care about us. We made all of our payments on time. My husband is a XXXX citizen and has XXXX XXXX problems Bank of America donates money here and there, Millions of donations here and there and they do it because they get the money from us, the customers. They don't ' care at all about the customers specially the XXXX community. This loan is a fraud and we want them to be investigated. During a Pandemic they are giving this terms? This is crazy and a fraud against our community,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contracted Equifax, XXXX XXXX, and XXXX, about updating my credit report to show that my student loan were closed. I also sent each of them a copy of the letter from the Department of Education, showing that they were discharge. I received a letter from Equifax on XX/XX/2019 that the account were open and accuracy which tells me that they did not read or investigate the letter I sent or did they contact the Department of Education. Amount to be removed or closed account {$190000.00} and {$32000.00} on credit report. The Equifax Confirmation letter XXXX. 

I wrote another letter today XX/XX/2019/ As a XXXX   veteran, I find it hard to believe that I am writing your company once again about updating my credit report. Let be care I sent your company a copy of the letter for the department of education that my loans were closed, as well as forgiven XX/XX/2019. Yet you write me back stating that the information was accuracy, I understand the information about the loan are accuracy, but you have open in good standing on my credit report, and it should show closed. I have contacted the, CFPB, the State Attorney General office as well as the Department of Education to contact your company right away about the problem. I am giving your company one last time to correct this ASAP, and put account paid in full and closed. Before I contact an attorney. 
Base on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Money transfer, virtual currency, or money service

I have been in a never ending battle with a simple transfer of {$1400.00} from my checking account to a friend via Venmo since XX/XX/XXXX. Venmo has withdrawn the funds from my account and noted the transfer is under investigation ; and the investigation will take 48hours. It's now 144hours ( 6 days, almost a week ) and counting. I have yet to see either a resolution or my money back into my checking account or officially transfered to my friend.

I have sent Venmo emails and called them numerous times, I have yet to reach a resolution or be able to speak with their investigation/accounts department, ( since they can't be reached via call ).

I believe this has been dragging far too long, I now regret using Venmo and wish to obtain my money back ; but, their customer service continues to tell me, they're unable to cancel, refund the funds or do anything at this point, but to escalate the matter. I notified customer service I have escalated this matter numerous times ; I just need my money back NOW! 

I look forward to hearing from you in resolving this issue with Venmo. 

XXXX, XXXX ( aka XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to access my credit report from Transunion for the last two months without success. Annual credit report gives me XXXX and XXXX with no problems but always sends me a reason they can not give me Transunion. The same issue happens on Transunion 's website, they give me a number to " consumer relations team '' which connected me to the dispute department, then they said they would transfer me to online website help, the phone went silent and I waited 20 min before giving up that someone was coming. Called again and the next representative gave me a different number to call to reach online support. When I called that number it sent me to the same automated system to be on hold for another 30 min before reaching yet again another representative that could not help me retrieve MY OWN credit report. It is not only extremely frustrating but a violation of my rights that they are withholding me the consumer from seeing my own credit report, and THEN making it extremely difficult, dare I say impossible to try and get a solution to THEIR problem.
Product: Money transfer, virtual currency, or money service

Sent a XXXX zelle payment to the wrong recipient on XX/XX/year>. Contacted XXXX XXXX  and they replied it was a Zelle issue and a recipient issue. I made a claim with XXXX, Zelle and the recipients bank. No one was able to refund the money.
Product: Vehicle loan or lease

My car got repossessed due to hardship as a student, I attempted to get assistance over 9 times, placed on hold or was disconnected, the car was taken with my belonging inside, i am completely lost and have no car to go to work, to pay for school, food or rent. 

When initially purchase with help of my parents, i put down {$6000.00}. I now feel I had lost a safety net for college.
Product: Credit card or prepaid card

I work at XXXXXXXX XXXX XXXXXXXX XXXX, a global professional services firm, partnered with American Express in the United States for all corporate credit cards. I hold an American Express corporate credit card with XXXXXXXX XXXX XXXXXXXX XXXX. I logged into my corporate American Express account on XX/XX/2022 to pay my bill, and I saw an exclusive offer for corporate card holders to apply for a personal American Express card. The exclusive offer noted that I will receive a " {$150.00} recurring statement credit on your XXXX XXXX account after approval, and every year at renewal when you maintain the same XXXX XXXX account ''. I entered my corporate card details to confirm my eligibility ( refer to screenshot # XXXX ). I then applied for the XXXX XXXX through the link provided on the offer page, which again clearly stated the {$150.00} statement credit after approval, and every year at renewal. In addition to the statement credit, the offer included XXXX membership rewards points after spending {$6000.00} within the first 6 months ( which I did receive ). You can also note that the normal offer to non-corporate card holders applying through the regular channel was only XXXX membership rewards points at that time. If I didn't sign up via the promotional link, then why would I have gotten the XXXX points as opposed to the XXXX that was being offered to regular customers. Once I entered my corporate card number and followed the " View my offers '' link in Screenshot # XXXX, I was forwarded to the page where I clicked " Apply Now ''. You can see the same offer was made on this page in XXXX # XXXX. Unfortunately, screenshot # XXXX does not show the " Apply Now '' link that I clicked on, so I have included Screenshot # XXXX to show how the " Apply Now '' link was shown ( Screenshot # XXXX shows the offer for the American Express Gold card, but I applied for the Platinum Card ). Luckily, I took these screenshots because I was showing my friend the two different offers ( Platinum or Gold card ) and I wanted my friend 's advice on which card to get. Finally after submitting my application, I was brought to the page which stated I was approved for the Platinum card ( screenshot # XXXX ). You can see in the website address bar that the URL included " XXXX '' and " XXXX '' - evidence that I signed up via the corporate offer link for the XXXX card. I have called American Express and they have investigated the matter 3 times. Each time they have closed the investigation saying that there was no error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my credit score 96 points in one week using 6 changes as their reasoning. ( 1 ) change of address, been here 6 months ( 2 ) student loan balance increased {$97.00} in the last 12 months, probably interest on the deferred loan. ( 3 ) Fed student loan inquiry, yes they did inquire just as they do each time you get a student loan, but last year 's is still on there. ( 4 ) and ( 5 ) and ( 6 ) all have to do with having a high balance on my 2 credit cards. Total limit between the 2 cards is {$900.00} dollars of which I owe {$550.00}. I think this drop in my score which took me from fair to very poor was harsh considering I have no derogatory credit and have been working hard over the last year to build my credit. Always pay on payments early and more than minimum every month. The other 2 agency 's did drop my score but only 7 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE EXPERIAN, XXXX, XXXX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.
Product: Credit card or prepaid card

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$25000.00} and XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$14000.00}. Please remove.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. - XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX
Product: Credit card

I got two debit cards that I did not apply for on XX/XX/year>. One from XXXX XXXX XXXX and one from Citicards Mastercard. I immediately called Citicards and they kept transferring me around. I tried calling XXXX XXXX and it was the same. They said that the person that opened the account was from Maine. I live in Ohio. I've lived in Ohio all my life. XXXX XXXX claimed they closed the account and started fraud proceedings, but then sent to again to different departments again, so I don't know if it actually was.
Product: Checking or savings account

My account with Wells Fargo was closed back in XXXX of 2023 because the bank states I was a risk factor due to me filing claims for packages that I did not receive. There was a total of 5 claims filed because at the time I lived in a condo and would get packages delivered to my house and the kids and other adults would always steal our packages. Out of the 5 claims I filed 3 claims were valid prior to my accounts being closed. And after my accounts were closed I received multiple checks and letters stating after a review of the claim Wells Fargo determined there was a error on their end so the claims were reversed and approved in my favor and I received multiple cashier checks for the claim but the checks were send to a different address than the one I had on file which the address the checks were sent too has never been a place I have lived either. I have spoken with multiple agents over the phone and they have looked at my file and told me there is nothing on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT XXXX  REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT