23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On Weds, XXXX XXXX XXXX I checked my Netspend XXXX account and verified that it had {$30.00} in it and by Friday, I reloaded it with roughly {$37.00}, to ensure that I had enough to clear the {$50.00} I for an expenditure that needed resolving. When I rechecked my account on Saturday ( this last weekend ) I was stunned that I only had {$46.00} in my Netspend XXXX account, not the minimum of {$50.00} that I verified, knowing that the {$37.00} had cleared yet and would have raised the account to approximately {$60.00}, maybe {$65.00}, since I had not spent any of the account between Weds to Friday. I called the customer service number and they replaced {$4.00}, raising the amount to {$50.00}, leaving me still thinking I needed to wait for the {$37.00} to clear. 

On Monday, XXXX XX/XX/2022, I call Netspend XXXX to verify that the {$37.00} has cleared which would place the account at {$87.00}, only to verify that I have {$1.00} in the account. Since I only spent {$50.00} on Saturday, on the expenditure that I needed to clear, where did the remaining {$37.00} go that should have cleared by now? The Netspend XXXX managers wont answer my constant calls to their customer service XXXX number and their phone reps use every avoidance tactic possible, to refuse me my right to resolve this accounting failure on their part, with them trying to hide behind accounting practices they claim they are trained in, by refusing to admit that what they see on their screen is absolutely accurate, with me refusing to let them get away with claiming my accounting is wrong, even though Ive pointed out where they are wrong ; the phone reps and managers put me on hold, indefinitely, knowing that their phone system will terminate my call after 10 minutes on hold.
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter. 
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Debt collection

UNITED REVENUE CORP XXXX and XXXX  charging me for ID theft law said i get a whole copy of my report not partial
Product: Checking or savings account

I have simply had it with Chase bank. I have called on several occasions to get overdraft fees removed from my account. They currently have a rule that if youre overdraft more than {$50.00}, fees will be posted AND the amount of fees are endless. So for each transaction that overdraws the account any further there will be a fee for each one. There was a point and time this year alone that Chase bank charged me well over XXXX overdraft fees. They also do not allow the fees to be removed if they have already done so once within a 180 day period. I am simply tired of having to battle with them over these fees. I have been out of work since XXXX  of this year and I can not continue having these issues. I am overwhelmed by the amount of things that my card is connected to. Instead of declining the purchase, they allow the merchant to charge my card with no funds available so they can have the opportunity to charge these fees.
Product: Money transfer, virtual currency, or money service

I use Dailypay ( by XXXX XXXX ) to transfer payroll funds before payday for early access. I requested XXXX different transfers from Dailypay to my bank account for early access to my payday funds. The Dailypay app said it would take XXXX business days for the funds to transfer. After 5 days the funds never showed to my bank account. I called and emailed Dailypay to figure out what is going on and all they tell me is that the funds successfully transferred out and to call my bank for tracing. They provided me tracing ID 's and I called my bank. My bank stated that they have no record of those tracing ID 's and that they do no see those XXXX incoming transfers. They advised I call Dailypay back and request them to trace where the payments went. Each time I call I get told the same thing, that the transfers successfully went through but they refuse to trace the funds and see where they went. I have been patiently waiting for over a month for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the information on my credit report related to a collection account and bankruptcy. 

The collection account with the account number XXXX, which is listed on my credit report as being originally reported by XXXX  for rent self-reported, is inaccurate. I have never been a tenant at any property managed by XXXX, and I have never incurred any debts related to rental payments. Therefore, I request that this information be removed from my credit report. 

Regarding the bankruptcy information on my credit report, I have recently noticed that my bankruptcy case number XXXX is reported twice with different descriptions : " Bankruptcy U.S. Bankruptcy Court '' and " XXXX Bankruptcy ''. I would like to request that this discrepancy be resolved and the duplicate listing be removed from my credit report. 

I understand the importance of maintaining an accurate credit report, and I appreciate your attention to this matter. Please investigate this issue and provide me with a written response regarding the actions taken to resolve these disputes. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Debt collection

. I paid ERC on XX/XX/XXXX with my XXXX secured Visa for an XXXX bill from XXXX. The account details are noted in the settlement letter from ERC. XXXX is not accepting the settlement of the debt and wants the remainder of the bill paid. XXXX XXXX XXXX acknowledged today that the debt was sold to ERC. ERC is saying the account is closed and settled However, ERC said on XX/XX/XXXX that XXXX XXXX XXXX does not have to accept the settlement. That was not my understanding from settling the account. All calls with ERC are said to have been recorded. Since the settlement of the debt did not clear the debt, I believe that ERC and XXXX XXXX XXXX have acted fraudulently in obtaining the {$280.00} payment as settlement and not settling. I have also asked my credit card provider, XXXX, to dispute the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I received an alert on my XXXX about a car loan, that I didn't authorize, sign for or give my consent for.B.C.I financial group .I called company and they said they would take off my credit report, due to the fact I didn't authorize them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX and TransUnion credit Bureaus after I purchased a credit report in XXXX  After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account Name : BANK OF AMERICA Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed my car through Santander bank. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month Santander takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and Santander Bank numerous times yet the late payments remain and every single month I am paying Santander on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!
Product: Debt collection

On XX/XX/XXXX, I received a call about a civil complaint being filed on myself. I called them to receive the information and I was informed that I owed XXXX XXXX collecting on behalf of XXXX XXXX dollars ... ... from XXXX ... ... 18 years ago and to pay XXXX dollars now to settle or I would be sued. I asked for proof of the debt, and they told me they would show me when they took me to court. I called back and asked for proof of the debt again they repeated they would show me in court
Product: Credit reporting or other personal consumer reports

My identity was stolen which led me to being a victim of identity theft. The suspect has affected me in varieties of ways. Putting me in serious debt, destroying my credit report, destroying my character, destroying my chances of buying a home of my own. This crime has affected me deeply. Not being able to have a chance of ruining my own report because I'm responsible but someone else decided to use my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 found a hard inquiry on my credit report that I have no idea about. Tried calling them and they wanted my card information to sell me a XXXX gift card..after refusing many times I asked for the fraud dept. The number they gave me was XXXX which is the number for information, I tried calling back and they blocked my number. I have called trans-union about this and they said they can not help. I called the Fed. Trade Comm. and they haven ; t helped. I just want this hard inquiry off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

mr cooper all im asking from is for you guys to show compassion to me everything im telling you is truth i made up amount due as soon as i found out what was going on i understand your stance as well im just asking you guys to show compassion in this case my credit file fell over XXXX points due to this if you guys show compassion i agree this will never happen again please see my plight thabks ive been a good customer made all my payments got it on autopay what else can i do
Product: Student loan

Naivent to took my rehabbed student loan in approximately 2008. I have paid thousands of dollars over the years and still owe money. When interest payments were suspended for everyone else, navient told me they couldnt because it was a private account. The recent call I made to collections they said I wouldnt be part of the settlement because I was public account. I would really appreciate if someone could explain whats going on. All I know is that through the years they have told me nothing, I dont ever remember even signing anything.
Product: Credit card or prepaid card

Good evening, I had reached out to this financial institution to make a change to my credit card account so that I could activate a new card and my online portal, but the representatives and manager, " XXXX, '' actively refused to assist me despite me conversing in a professional manner. The information that they had incorrectly entered into my account is the phone number on file. 

I have another case already open with the CFPB regarding this issue, however, I received a document in the mail today from Capital One that I am perceiving as a direct threat to my life without reason or provocation. Instead, I have only tried to communicate in a professional and polite manner but have only been met with hostility, instigation, harassment, veiled threats, and a clear and present manipulation and fabrication of evidence. 

I am communicating though the CFPB as I do not feel safe speaking with Capital One directly. I am very afraid for my life at this time that they may escalate their attacks against me. 

At this time, I have no intent to continue banking with them, communicating with them directly, and I will never do business with them in the future. 

I am attaching a copy of the veiled threat that I received from this business this afternoon. 

Instead, I request only the following reparations : My personal information to be deleted and a receipt of destruction mailed to my residence. 

Documented evidence that any and all accounts in my name have been closed. 

Credit report repair. I'd like their card and inquiry to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX Act Name : XXXX, Act Name : XXXX XXXX XXXX XXXX , Act Name : XXXXXXXX XXXX , Act Name : XXXX XXXX XXXX , Act Name : XXXX, Act Name XXXX XXXX, Act Name : XXXXXXXX XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX Act Name : XXXX XXXX, Act Name : XXXXXXXX XXXX, Inquiries : 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX They said I violated deposit regulations when Im back the deposit that I received came from with an account that was with the same bank. They put a hold on my mothers account released our phones back to her but they took over {$700.00} from me and said that I would get the money back in 30 days and that was in XXXX of last year I have not received the money and every time I call I get the runaround theyre just keep bouncing back from person to person thing I violated when looking at their rules in their protocols for their accounts I didnt know such a violation, and they refuse to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDXXXX  ACCT # XXXX Amounts : {$3500.00} / {$6000.00} Date Opened : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a complaint on Marcus by Goldman Sachs XXXX for freezing my account and not letting me withdraw my money. 

I tried to withdraw my money from my account at Marcus by Goldman Sachs at XX/XX/XXXX. They blocked the withdrawal without letting me know the reason. They also froze my account, so I am not able to withdraw my money. 

Over the past three weeks, I called them around 8 times to resolve this issue. At the first and second call they said that they could not do anything over the phone ( which is all they have, they don't have physical branches or even emails ), because they were not able to verify my identity in their system. At the they promised that someone would call me back in 1-3 business days to, but they never. 

At around the 4th or 5th call ( XXXX XX/XX/XXXX, one of the agent was named XXXX ), they said that they would mail me an Affidavit of Identity. A supervisor named XXXX promised that she would send me that form the next day, and that I would get the form in 7-10 business days. But when I called back on XX/XX/XXXX, she never did. The agent promised that she will get the Affidavit of Identity sent out the next day ( and have somebody called me when it gets sent ). Not hearing back after a few days, I called back on XX/XX/XXXX, and it turns out they never mailed it. An agent named XXXX said that I should be getting the form in 7-10 business days. But after having being told that for so many times, I have lost all confidence in them keeping their promises. 

Marcus is just purposely preventing me to withdraw my own money there, in the name of security and authentication. It has almost been a month, and they have still yet to send out a simple Affidavit of Identity for me to fill out. And that is despite I called them over and over again. They did absolutely nothing concrete about this apart from saying vague words " creating a case '', " making a note to expedite this ''. 

Looking around the internet, I realized that Marcus is notorious for holding up their client 's money using similar excuses. ( https : XXXX ). 

At this point, I am totally fed up with them. 

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

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$27000.00} XXXX XXXX  XXXX {$240.00} XXXX  XXXX {$68.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} US DEP ED XXXX {$2600.00} XXXX XXXX XXXX {$3500.00}
Product: Mortgage

My mortgage loan was originally funded by XXXX XXXX and was sold to The Money Source last year. Upon receipt of notice, I established an automatic payment to avoid delays or missed payments. Earlier this year, and without notice, the Money Source sold its interest in the mortgage and note to XXXX XXXX. As a result, and again without notice to me, the Money Source terminated the autopayment in XXXX 2021. In reviewing my account the following month (  XX/XX/2021 ), we noticed the outstanding amount and immediately paid. The Money Source has now put an adverse statement on my credit report and is attempting to charge me in excess of {$100.00} in fees. It appears to me that this is a deceptive trade practice aimed at collecting fees in violation of applicable law and community standards. Luckily we were able to catch the problem before additional fees were compounded.
Product: Credit card or prepaid card

I paid my interest-accruing balance in full and they charged me interest. This is a new card and I wish I would have known about their practices before I signed up with them. My previous statement balance was {$6800.00}, which included my purchases for that month, {$150.00} balance transfer fee and {$5000.00} balance transfer. I made a payment on XX/XX/XXXX for {$1800.00} prior to my due date of XX/XX/XXXX. This would have brought my statement balance to {$5000.00}. I have an auto-payment set up and made another payment on XX/XX/XXXX for {$270.00}. This would have brought my statement balance to {$4700.00}. There was no remaining balance to incur interest. The {$5000.00} that I transferred is 0 % interest/deferred interest for 18 months. I received my new statement and there was an interest charge of {$1.00} on XX/XX/XXXX. I spent over an hour on the phone with someone in XXXX and they continued to argue about it. I was not able to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed two collections on my report from XXXX XXXX one for {$780.00} and other {$700.00}. I originally tried to contact XXXX XXXX, they where rude and cursed at me. I disputed the collections with Experian came back as verified. I am not responsible for this debt it's not mine. According to the FCRA Experian is to have on record the and report to me these inaccuracies within 30 days. I sent the Method of Verification for these inaccuracies, the 15 days to respond has long come and gone no reply. Experian is violating my rights according to FCRA, to verify a inaccuracies, to have on record a copy of this on file, to report to me in a timely fashion.
Product: Payday loan, title loan, or personal loan

This company is a first class harasser. If one day and I do mean ONLY ONE DAY has passed after the payment due date they are calling more then 4 times a day asking for payment. They harass even when the payment has been scheduled. Per FDCPA a creditor may not call more than 8 times during a week, these people in less than 2 days accomplish that. This company needs to be held liable for harassment.
Product: Mortgage

Arvest has been consistently messing up on the account numbers associated with our account and not processing payments. We have had checks returned with insufficient funds and automatic transfers not go through. They continue to assess us fees for this, even though it is their fault, and are demanding we pay the mortgage over the phone for a {$10.00} fee or they will report us to crediting agencies and hurt our scores. The fault is with Arvest, not with us, and they are illegally trying to get an additional {$10.00} from us for our mortgage payment.