23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Because Self Inc ( formerly self financial ) locked my account, I can not provide exact dates or amounts. 

I had two accounts with self inc. A credit builder account and a self visa secured credit card. Both accounts were in great standing. There were no issues, no current balance due, no late payments, in fact they just increased my credit limit to {$420.00} 3 days prior to learning that for an unknown reason, my credit builder account was closed. After 4 phone calls spanning two weeks, I found out the following : both accounts were closed and were being investigated for a reason no one was able to explain. They told me that within 1-2 days I would get an email from the team that handles that kind of stuff they dont have a phone number. I pressed the issue and requested to speak with a supervisor, but the only added information I attained was that they would be sending me the account balances ( around {$650.00} total ) to my bank account on file. He added that it should take a week or so, but if they need to send a check instead, it could take up to a month to arrive. 

That was two months ago. I still havent gotten an email or received any payments. No response from their support address, and every time I call to figure out whats happening, I get placed on a hold that lasts until they hang up ( last time it was over 2 hours ).

From what I can tell, the same 3-4 people handle the support line. 

This has caused a slew of financial issues that have snowballed into over {$2000.00} of late fees and other charges due to their mismanagement of my money. My credit will also take a hit from a total of 3 closed accounts in a short period of time ( they closed one prior to this after I hit the deposit limit. )
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate student loan Information and Violation of FCRA Law I have recently obtained a copy of my credit report from your bureau and discovered that it contains inaccurate student loans.I am writing to inform you that you have violated the Fair Credit Reporting Act ( FCRA ) by failing to investigate my previous disputes of inaccurate information on my credit report. 
I provided you with clear and convincing evidence that this information was inaccurate, including copies of of my credit report. However, you failed to investigate my dispute and remove the inaccurate information from my credit report. 
This failure to investigate my dispute violates Section 611 ( a ) ( 3 ) ( B ) of the FCRA, which requires credit bureaus to investigate all disputes received within a reasonable time. It also violates my rights under Section 620 of the FCRA, which gives me the right to have inaccurate information removed from my credit report. 
I am requesting that you immediately investigate my previous disputes and remove the inaccurate information from my credit report. I am also requesting that you provide me with a copy of your investigation report and a copy of your updated credit report I am aware that under the FCRA, I am entitled to actual damages, punitive damages, and attorney 's fees if you have willfully violated the law. I am reserving my rights to pursue these remedies if you do not resolve this matter to my satisfaction. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

ACCTCORP OF SOUTHERN XXXX XXXX To Whom It May Concern : This letter serves as notice to you and your company to immediately cease and desist all contact and communication with me regarding the collection of an alleged debt and all related matters. I received the following on or around XX/XX/2024 : - numerous calls on the home phone, cell phone and work phone For examples, to Exhibit A to this letter. You claim that I owe debt in the amount of {$600.00} to ACCTCORP OF SOUTHERN XXXX, account number XXXX. I do not owe this debt and I dispute this claim. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, I demand that you and your company terminate all further contact with me including but not limited to communication via telephone, mail correspondence, electronic mail, or facsimile. Your actions to collect debt from me are : - Embarrassing - Harassing - Causing undue stress - Unable to not apply and have stable housing with this collection If you continue to contact me other than to notify me that you are ending communication or that you are taking other legal action to collect the debt, I will be forced to take legal action against you for violation of the Fair Debt Collection Practices Act and will seek all available damages and remedies Sincerely XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I applied online and was approved for the below offer. 

Earn 65,000 XXXX XXXX XXXX bonus miles and rewards on business expenses Bonus miles earned after {$4000.00} in purchases within the first 4 months of account opening Annual fee {$99.00}, waived for the first 12 months I received the business card and called to activate it. When I spoke to the activation customer service rep over the phone I asked for her to confirm the sign up bonus. She said if I spend {$4000.00} within the first 4 months I will receive 65,000 XXXX XXXX XXXX miles. So I agreed and requested her to activate my account now that the sign up bonus was confirmed. 

I then spent over {$4000.00} on the card within the first couple months. I waited 2 billing cycles and never received the sign up bonus points of 65,000 miles. 

I called in and spoke with 4 reps for over 3 hours. I was told the reason I will not get the sign up bonus points is because I had this same card within the last 2 years. I explained that even if that was the case, that is not what I was told when I activated the card, and they need to honor the rewards because their activation rep told me if I spent {$4000.00} i would receive the 65,000 miles. They just reiterated their rules and regulations, and said all they could do is give me 5,000 points. I wanted to file this complaint before I closed the card to see if someone from the executive team can reach out to me and honor the 65,000 miles since i was told during the activation call that I have a sign up bonus rewards connected to this account if I spent {$4000.00} in 4 months I would get 65,000 points. I never would have spent over {$4000.00} on this credit card had I known there wouldn't be the sign up bonus, but I wasn't told that I was told there is a sign up bonus connected to my business card.
Product: Mortgage

I have complaint about fraudulent practice of bank of America before 2014 they give a called loan modification in this loan modification was only for the purpose of taking my house tile and putting into their name I hired a lawyer but they only XXXX me out he told me that my only option was to sign the papers and in a year if I make my payments I will be able to get another loan modification or rifanance I try to get them to help me but they wo n't called me I tray XXXX but it 's the same it looks like their fraud was well done with the help of the lawyer I got to help me my regular payment was XXXX I was never late even I m in XXXX and my income is limited I did n't know anything about this vacate final judgements I got this paper today and las Tuesday last Tuesday I called the clerk of Cort but they say there was not recorded as bank of America is discriminate against me and if for some reason my helth gets worse I blame bank of America for his fraudulent practice against my person
Product: Debt collection

I was not made aware of this medical debt & Im very unaware of this debt. This needs to be removed off my credit due to this XXXX XXXX not sending or contacting me regarding this medical debt. They have violated the Law by not Sending me an notice about the debt.
Product: Debt collection

I sent them a debt validation letter 30 days ago and I haven't received any validation letter from Bridgecrest financial out of XXXX, AZ.
Product: Checking or savings account

Around XXXX a unknown entity gained access to Capital One systems using telephonic means to transfer almost {$2000.00} out of my checking account into an XXXX XXXX Bank Account. I alerted XXXX XXXX to the issue and they took action by shutting that users access. Because this was not done by me, I filed a dispute or fraud claim with Capital One to refund it back to me as I did not authorize this transaction. Capital One twice denied my claim even after I provided evidence including from XXXX XXXX. I have told CO that it is not the amount of money that is missing but the factor that it belonged to me and someone without my authorization took my money. I am asking as a veteran who just got out of the XXXX to please honor my refund request as the information I shared and all the statements I sent to you guys should of proved to you that I in fact did not perform this action. As the sole owner of this account I would know how much was going in and out. I was shocked that this occurred to me and CO did nothing to assist me. As I have stated before, an illegal actor transferred money out of my account into a XXXX XXXX Account that did not belong to me and I reported it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX-XX/XX/XXXX, my XXXX daughter, XXXX XXXX, had XXXX at XXXX XXXX hospital. She had XXXX  XXXX, but they did not have a specialist available to do her XXXX. Prior to the XXXX, I confirmed that XXXX would cover the costs with the doctor. After the XXXX, we began receiving bills from XXXX XXXX. Apparently, the doctor and hospital room costs were covered, but not the XXXX ( whatever that was for ).  Under the law, you have to tell patients what is not covered prior toXXXX and they have to agree to pay it. This did not happen. Instead, this account has been report to Complete Collection Service, XXXX. XXXX XXXX, XXXX, VA XXXX. The collection agency has reported this account to the credit bureaus. I disputed the account, but XXXX has decided that it was reported correctly. I am not responsible for this account because the XXXX did not disclose any charges prior to providing services. This is predatory billing practices. The account numbers are XXXX and XXXX.
Product: Credit card

i return a product, and requested for a refound, they did refound so they offer to send an check for the amount originally of XXXX dollars, and they said they sent a check but for XXXX dollars, on XXXX XX/XX/year>, the check never arrived, they said sent another one, on XXXX XX/XX/year>, that new check never arrives and they just say i must wait, now i have a pendit balance to pay them exactly for the cost of the check never arrives, nd they just a make me live the worst moment, and they have my money, i cant use it to pay them and they refuse to show me any proof that the check was sent to me so i assume in some days they will say im sorry a new check will be sent, but i owe them money and my credit is very good, they will damage my credit score and i need they pay me my money for i pay them, im feeling terrible and should be compensated for all this bad service, i ask for option but the really dont care, some body should take an action in order to make this company respect us and if he wants to work woth our money should pay for, i ask them to make my money available to pay them but no, they dont want to help, i asked for documents to validate the information provide it for them but they said they dont have it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint on XXXX/XXXX/XXXX # XXXX. You show that a charged off account with a balance. You responded : The balance for disputed XXXX  account XXXX has been updated to XXXX on the Equifax credit file. I received a copy of the credit report on XXXX. It still shows a balance. You must delete the account immediately under the FCRA rules. Your investigation is completely false. If this account is not removed forthwith, I will file a lawsuit against your company for reporting false information. Attached is the proof.
Product: Credit card

I have a automatic payment deduction set up for my Discover credit card. The limit is {$2000.00}. They deducted the {$100.00} in XXXX. But in XXXX 2016 they did not make a deduction. However they reported to the credit bureau that my account was over drawn by {$35.00}. Why not make the authorized {$100.00} deduction that would have made my account {$1900.00} and avert a negative report on a customer that has never been late with a payment? Discover seems to rush to to negative reporting even when they have a real solution. I want the negative report removed. I will pay off the card and close the account. Do not need to do business with these type people.
Product: Checking or savings account

! st I did a transfer of funds from my penfed account to my XXXX account XXXX stated that the funds were not available. However the funds were taken from my penfed account and it created fees. I contacted Penfed explained what happen they reversed the fees and told me not to use XXXX to withdraw my money. I than used XXXX XXXX the same thing has happen it was returned for funds not available which is in error. Am unable to access my funds and I know from past history that am being target
Product: Prepaid card

I have a prepaid debit card from XXXX. I have had the account for 8 years. My account got hacked and they were able to steal XXXX $ from my account. I called and they put the account on hold and filed a dispute. While on hold XXXX customer service allowed a man to call and change all of the information on the account and they took all of my information. Social security number, birth date, literally all of my information. Then when my payroll got sent heb allowed them to withdraw XXXX $ more from atms while I received no information about any of this. 
I reported my account fraudulent and then XXXX let a strange man call in as me get my information, change the account information, not notify me of any of this and then let them withdraw XXXX $ more.
Product: Debt collection

Subject : Dispute of Account Reporting and Violation of Consumer Rights XXXX Accounts # # XXXX, # XXXX, # XXXX Dear : Consumer Financial Protection Bureau ( CFPB ) or relevant agency I am writing to file a complaint regarding a collection account reported by Midland Credit on my consumer credit report. The collection agency has violated multiple provisions of consumer protection laws, and I request an immediate investigation and resolution of this matter. 
1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) The collection agency has not provided the required validation information regarding the debt, as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Even though they reported the account to a consumer reporting agency, they have not furnished any validation of the debt, violating my rights as a consumer.

2. Lack of Opportunity to Dispute the Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) In addition, I have not been given an adequate opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Under this regulation, I am entitled to dispute the validity of a debt and request validation before the account is reported to consumer reporting agencies, but the collection agency has failed to provide this opportunity.

3. Use of Deceptive Practices ( Violation of Consumer Rights ) Furthermore, the collection agency is engaging in deceptive and misleading practices in violation of consumer rights. By failing to provide proper validation and failing to follow required disclosure protocols, they are using false, misleading, and deceptive means to collect on this debt, which is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. 
4. Failure to Provide Disclosures Required by Law ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) The collection agency has no authority to report this account to a consumer reporting agency without providing the necessary disclosures as required by law. They are in clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which mandate the proper handling of consumer accounts, including required notifications and disclosures before an account is furnished to a credit reporting agency.

5. Failure to Provide the requested purchase order agreement between Midland and the original creditor.

Given the violations outlined above, I respectfully request that the CFPB take appropriate action to investigate these matters, ensure compliance with consumer protection laws, and remove this erroneous collection account from my credit report.

Please feel free to contact me at : Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/1986 XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I tried to close my account with Barclays. I have asked multiple times to get a confirmation email from them but just as before in my previous complaints, they will not send me a confirmation email for proof of termination or any other request I have made. 
I made a final payment of {$3200.00} that cleared my bank on XX/XX/2023. I called them on XX/XX/2023 to check on any other interest charges and make a final payment. They claimed I now owed them {$49.00} and some change. I made the payment on the same day on the phone with their operator. Then I requested to speak with management and have this account closed once and for all. The operator out of XXXX XXXX, Nevada # XXXX who's name is XXXX gave me a confirmation # XXXX verifying the last payment, but did not send me a confirmation email of proof of termination of this card and account as I requested. 
Due to my suspicion of fraudulent activity with this company, I do not trust their hear say at this point and would like them to send me a confirmation of termination without any credit penalties as per my request. They agreed to do so on the phone but nothing has been sent. At this point all I have is proof of the transaction through my bank. Please help me resolve any further issues with Barclays once and for all. I have been through enough aggravation and poor customer service for one lifetime. 
Thank you for your help! 
XXXX XXXX
Product: Prepaid card

I do remember closing this account back in XXXX. I also requested for all accounts using my social security number to be closed, and remaining monies returned to me. Now, I am receiving emails stating I still have funds available, and to use the funds before a " dormant fee '' applies. I have attempted logging into my account, but the site is asking for my card info. I destroyed the card ( s ), in XXXX, I also recall the card ending in XXXX, had an expiration of XXXX, XXXX. Reason why I closed this account, is due to an over sixty day delay in the issuance of monies from the IRS. Also, I was notified from a government depositor, they permanently blocked this cards routing number, due to possible fraud occurring with other clients. It is stating my available balance on the card ending in XXXX is a little over XXXX dollars.
Product: Credit card

On XX/XX/year>, I received an email from Capital One as a settlement offer for my overdue Kohl 's Card for {$550.00}. 

On XX/XX/year> I paid Capital One {$550.00} on my Capital One Kohls Card to close out my account via Debit over the phone. The process was instant and quick, and the agent assured me that the settlement was accepted and the account had been closed. 

On XX/XX/year>, I received a charge of {$210.00} from Capital One. I then decided to call Capital One and discuss why they charged me again. The agent spent 20 minutes on hold supposedly " Pleading my case '' to someone, and eventually came back to me to say " They refuse to refund you because the account is closed. They said you can dispute this charge with your bank. '' The fact of the matter is, I PAID for my account to be closed already, she pulled up the transaction and everything, in their system my account was paid out. The refusal to refund money that isn't theirs is ridiculous. I have reported the transaction to my bank as fraud, as demanded by Capital One.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was made aware that another name and identity was associated with my social security number. As a result, I contacted TransUnion 's customer service department and was advised not to dispute the unrecognized inquiries, but to call FTC and report identity theft. After contacting FTC, I was advised to file a complain with the CFPB instead. 

I am requesting that these Inquiries be removed from my credit report as they are NOT associated with my identity. The inquiries were made as a result of identity theft and do not belong on my consumer credit report. 

XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX I will provide documents to support this claim as I have been a victim of identity theft. 
It is hurting my ability to open a banking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavits. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filling 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 of these violations.