23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Request for Removal of Unauthorized Credit Card Account I hope this message finds you well. I am writing to bring to your attention an issue regarding my credit report. I recently discovered that there is an account listed under my name with your company that I have never opened or authorized. 

I kindly request that you investigate this matter and remove the unauthorized account from my credit report at your earliest convenience. I have never had any dealings with your company, and I believe this may be a case of mistaken identity or fraudulent activity. 

Please let me know if you require any further information from my side to assist with this process. I appreciate your prompt attention to this matter. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

My account got limited and restricted. No big deal right? Just had to leave my money in that account for 6months.. 6months Later I get an email that I can withdraw the money, go and try to but I get an error. So I call PayPal and they tell me to wait 24hrs and try again. Then I wait and try again but it still doesnt work. I call again and they tell me to wait 48hrs, waited still got an error. Call again and they said 72 hours .... I waited still getting an error. Then they kept repeating this process for like a month and then I got fed up and they couldnt help me. So I tried searching on the internet for some answers and this happened to multiple people. XXXX This is my first PayPal and Ive never had any of my bank info or anything linked to another account ). I stumbled upon this website that told me you guys could help me. I emailed PayPal and they responded with we sent you an email to help directly Took them 2 weeks to send that email and they basically in professional terms said There is nothing we can do for you, your account has a security lock on it so XX/XX/XXXX to XXXX, but we have all your money stuck in your account and theres absolutely nothing we or you can do about it. Now Im sitting here realising what a scam this company is. Took them and waisted 9 months just to say theres nothing we can do. 

PAYPAL
Product: Student loan

In XX/XX/2018, I was wrapping up my studies ( XXXX XXXX ) and knew I was graduating soon and wanted to prepare for repayment. I am a federal empoyee ( XXXX, XXXX   XXXX ) and requested both Public Service Loan Forgiveness ( PSLF ) and Income Payment Reduction ( IDR ). XX/XX/2018 PSLF was approved and my IDR monthly payment was calculated at XXXX. Soon after, I qualified for a home mortgage in Hawaii ( Place of work, XXXX XXXX ). Due to a one income family ( XXXX child living with me and XXXX child in college ), the bank and I prepared a tight budget so I coud afford the house and capable of paying for other necessities. 

In XX/XX/2018, I was required to recertify ( PSLF ; proof of gov employment ) and annotate that if there was a change to my income. My income increased XXXX ( 1.7 % ). In XX/XX/2018, my monthly student loan increased from {$480.00} to {$1500.00}, close to 319 % increase. Since XX/XX/2018, I have tried to recertified 3 times, once my employer actually called XXXX to verify. No action as of today. Additionally, I have requested explanation how and why my monthly payment increased 312 % and stated that my original monthly payment of XXXX was I could afford. Once again, no action other than restating that {$1500.00} was my new monthly payment. 

With a {$1500.00}. student loan payment, obviously I would not have been approved for the loan on my home nor is even close to what I can pay monthly and pay monthly expenses. If forced to make this payment, I would fall into a severe financial hardship, if not even bankrupcy. Im not sure what to do at this point. Please assist.
Product: Credit card or prepaid card

Victorias Secret store card Multiple attempts to call in to submit a payment Trying to activate card/ create account to pay online It says info is not found and I have no plausible way of submitting a payment. 
Their system has been down for scheduled maintenances but we never received a notification. 
They are not taking payment by phone either.
Product: Credit reporting or other personal consumer reports

Hello I have several accounts reporting on my credit that is fraud and is not mine I did not open them it is violation of the ( FDCPA ) to report inaccurate and false information to my credit report I have never had validation of any of these accounts and I will send in verification of my identification where I have lived in the past 15 years and I will like for these accounts to be deleted from my credit report this has been so much stress on me and if its not deleted due to fraud and incorrect information and I dont recieve any validation that this was me who opened these accounts that I previously disputed before that was stated they were verified which I dont know how when I did not open them I will take out a lawsuit cause Im clearly sending in a copy of my identification where I have resided for past 15 years thanks
Product: Credit card or prepaid card

I had two Discover credit cards XXXX and XXXX. About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the one card ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.
Next the started transferring money from one card to the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, XXXX, XXXX, and Equifax are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor.

Please help.
Product: Debt collection

I can not open new account because of the amount of {$710.00}. before that I already called them and closing this account but all of the sudden this account went on overdrafting then leading me to to get an auto debt.Please help me!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of compatibility and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

My student loans have been sold/transferred to different servicers several times. The student loan servicing industry is broken - each time the loans are sold, data and information is lost. My current servicers can not even provide me with complete and adequate data to confirm payment history, principal amount, interest rate, incentives. ( XXXX of my prior student loan servicers are now out of business due to fraud and other violations that forced them out of business - and they can not be contacted or left any records either ).
Product: Credit card

I paid off my card in full it said I had a XXXX balance then the next month I get a bill claiming I still had a balance. I called they claimed residual interest I told them how could I accrue interest when I paid my card in full. They said I owed interest I said how I made very large payments paying my card off, i checked my account it said I had a XXXX balance, a XXXX balance is a XXXX balance so I asked to speak with someone else I was transferred to another Bank of America employee who flatly told me all he could do was enter a digital appeal request and that I would get a response through email. Got a flat out denied request with absolutely no reason or explanation of my account. Stating the decision was final with no customer service number or way to challenge. A complete brush off with XXXX human interaction from a company who is known to nickel and dime its customers with fees. I feel their fee was high, and unwarranted as I had paid very large payments and they did not even look at my account but just flatly denied it. They took out people from the equation in overlooking my account as a way to not allow people to ask reasonable questions about fees theyre being charged and then block you from appealing saying in their email that the decision is final with no reason or explanation to how they arrived at their decision forcing customers to pay their fees without further recourse than to hire a lawyer aware if your fees are less than a lawyers fees people will just pay their fees because if they dont Bank of America will hit them with more fees and interest. Bank of America is ripping people off again and should be further investigated. They should not be allowed to treat their customers like this. They have lost my husband and I as customers for their lack of transparancy in handling our account. We hope that they are investigated and stopped for taking advantage of their customers like this. I am calling them again complaining about how they handled our request and letting them know we have published our grievance here in request that they be investigated.
Product: Debt collection

XXXX XXXX XXXX XXXX in XXXX, XXXX - XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX performed services that were stated as covered under XXXX insurance only to receive bill of {$440.00} afterwards. Contacted attorney who wrote to this company asking for verification of charges be faxed to attorney 's office which was never done. One year later debt is now turned over to Professional Credit Service at XXXX. XXXX XXXX XXXX XXXX XXXX for collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXXXX/XX/XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Cred : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CBCINNOVIS CBCINNOVIS   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
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This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Product: Credit card or prepaid card

Capital one is the only credit card company who refuses to waive a late fee during these hard times.
Product: Debt collection

Received a " Warning of Suit '' letter via US Mail in early to XXXX for HOA Assessments, however, I disputed the information within 30 days of receiving the notice by sending a debt validation letter via US mail on XX/XX/XXXX. The company failed to validate the debt. I've sent them another request via certified mail. Despite their failure to respond to my request to validate the debt, they still have not stopped collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out I was a victim of identity theft XXXX/XXXX/2020. I contacted the institutions with fraudulent accounts, and the credit bureaus that day. Most have been resolved except HSBC. They told me on XX/XX/XXXX20 that the accounts were closed, but they are still reporting to the credit bureaus that they are open with ever increasing balances. I have call several times, I have provided copies of police reports, the FTC report, etc., but they are dragging this out forever.
Product: Debt collection

In the XX/XX/2016 I retained the services of a pest control company, XXXX XXXX XXXX for fleas and sugar ants in a home I had recently moved into. The services, for which they charged {$350.00} did not resolve the problem. My husband was to contact them, and he failed to do so, which I only recently learned when I had a negative report on my XXXX credit report. XXXX retained a collection agency XXXX XXXX, XXXX XXXX XXXX XXXX Oregon XXXX United States Phone : XXXX. When I attempted to discuss the situation with XXXX of their representatives who claimed to be the owner, he would not listen to me, repeated interrupted me, despite my repeatedly asking him to listen, quickly began speaking in a loud and condescending voice, attempted to tell me that I was n't qualified to determine that the services did not work, and then threatened to sue me for {$350.00} by taking me to small claims court. When I told him that was ridiculous he said we do it all the time. it only costs us {$83.00} to sue someone and I would be happy to sue you. Then when I asked him to be reasonable and attempt to reach a compromise, he refused and stated that my only option was to pay the bill. When I asked him if he would then remove the negative report from XXXX, he again, very rudely refused. He hung up on me. I called back and asked to speak with someone else, he refused. When I again asked him to be reasonable and help me work toward a resolution in order to repair my credit he repeated that he would continue to consider taking me to small claims court. that " this was n't going to work. '' and then hung up on me again. I have called and emailed the pest control company and they also refuse to help or take ownership for the fact that their services did not work. I am requesting that a formal complaint be filed against XXXX XXXX and that this negative mark be removed from my credit report. I have never before spoken with such a hostile, unprofessional individual.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had some inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have file disputes with the 3 credit bureaus XXXX XXXX, XXXX for deletion of XXXX tax liens due to lack of minimum reporting requirements for consumer personally identifiable information. Those requirements include Full name, Address, Full Social Security Number. and Date of Birth. ( 1 ) Copies of these Liens from XXXX District Courthouse in Massachusetts were faxed to the bureaus as well as supporting documentation. 

XXXX and XXXX deleted both from my credit report in a timely fashion. 

TransUnion deleted Massachusetts Tax Lien ( DOCKET # XXXX ), but declined to delete the other, Massachusetts Tax Lien ( DOCKET # XXXX ), amount {$4000.00}. In a letter dated XXXX XXXX, XXXX they have stated that this item was verified, Results - Information Updated. 

I am requesting that you please assist me in compelling them to delete this lien from my credit report due to the lack of the required criteria listed above. I am sorry, I have looked extensively for a precise title, chapter, statute, but have come up empty. I have however included a footnote from TransUnion 's white paper regarding this matter. Also attached are a copy of the Lien and the Release of Lien, as well as two pages of the TransUnion letter detailing their actions. 

Thank you for your help in this matter.
Product: Student loan

I sent  XXXX  certified letters on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ( letters enclosed ) to NELNET asking for an updated balance and the original instrument of indebtedness in its original form to ensure the amount reported to the credit agencies are correct. To date, I have not received the original document of indebtedness and request your assistance to remedy this situation. By law, NELNET is required to provide me with the original instrument of indebtedness in  its original form to verify the charges on my credit report are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XX/XX/2020 I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX gave me deferment but then said I was behind on payments
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX ...., XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notifications that chime reported a past due delinquency of XXXX $ for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX $ to my credit builder account and transferred XXXX $ out of the account on XX/XX/XXXX. I have XXXX emails with chime trying to resolve this issue since XXXX. XXXX  responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX admitted a error occured and the delinquency will be removed when my credit report updates, I told chime my credit updates in real time and Experian, XXXX and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. chime is refusing to acknowledge the fact the XXXX $ I owe is a error, on XX/XX/XXXX I added XXXX $ to my account on XX/XX/XXXX I transferred XXXX $ out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXX $ I called XXXX  and they stated it was an error I dont owe anything. Please have XXXX provide proof that I owe the XXXX XXXX You can not say I owe XXXX $ in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXX $ from XXXX, my account had a XXXX balance. my credit XXXX XXXX account was never a XXXX  balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported chime to the BBB. XXXX stated to the XXXX upon closure XXXX $ was debited and posted to my account. XXXX. I attached the statement of that, XXXX is falsifying transactions. I did not have a XXXX XXXX  balance on my account before closure or on closure day, there wasnt a negative balance sure.
Product: Credit card

I applied for and got an Advantage Citibank Platinum Select Credit card. The first time I tried to use it, the transaction was declined. When I called Citibank, they asked for verification information. I gave them all this. They then said they could n't clear the account as they could n't " verify the phone number '' I was calling from. I asked them if I had inadvertently written down the wrong phone number on the application. They assured me that I had not put a different phone number on the application. They simply could n't find it in their database. I completed the transaction with a different card ( XXXX XXXX ). Later that day ( XXXX XXXX, 2016 ) I called to cancel the card. They would not let me cancel it!!! They claim that since they ca n't " verify my phone '', they ca n't cancel the account. I asked them how I could cancel the account, and they hemmed and hawed and could n't provide an answer. I believe they are trying to keep the account open so they can collect the annual fee. They have wasted 2 hours of my time on this matter. I believe they should warn consumers that this is a distinct possibility and the government should consider not letting Citibank issue credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

OFFICE OF THE ATTY XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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. I have records proving I was I never late.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022, I sent a sum of {$1000.00} to a XXXX XXXX after I was introduce to an crypto- currency investment for profits that I was convince to be legitimate type of investment. 

I sent {$1000.00} from Citi Bank account - XX/XX/2022 I found out later that this whole investment was a scam. I contact both bank right away. I have received a notice from Citibank that they are unable to assist in retracting the funds.