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

So I have cash app and they out of no where closed my account I used it at the gas station was fine then I get a text saying they have closed my account for violating the terms of service which how when I havent done anything but use it like your supposed to I have my direct deposit from my job go on there and it is a service for sending and receiving money from family or friends thats all I have done nothing wrong I have had this cash app account for years and have always done the same thing on it no one will give me any kind of answer as to what I did and when you call the number for customer support they dont tell you nothing but Ill transfer the matter to someone that can help them I was told that that department only communication is email but wont give me the email to chat with them directly so I still have no clue what I did I have read all the terms and I dont see anything I then tried to take my money out that was still in my savings which was only {$50.00} dollars but still it was mine I transferred it to cash bal went to withdraw it and cash app took all but XXXX dollars like where is my money I didnt owe nothing my account was current so why when I went to cash it out it was all there and by the time I hit the withdrawal button it was gone they took my money for no reason and no one will answer my questions
Product: Debt collection

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ) and Fair Debt Collection Practices Act ( 15 USC 1692 ). Pursuant to federal law 15 USC 1692g, I have requested in writing a validation of debt from Wells Fargo. Wells Fargo has received mail from me, via USPS certified mail, requesting validation of debt, including name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, alleged account #, amount of debt, data ( this alleged debt became payable ), date of original charge or delinquency, was this debt assigned to a debt collector or purchased?, amount paid if debt was purchased, commission for debt if collection efforts are successful. Additionally, I am requesting a signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector, any agreement that bears the signature of debtor, wherein agreed to pay creditor, all statements while this account was open, and have any insurance claims been made by any creditor regarding this account? In addition to the validation of debt requested, I am also requesting the GAAP audit trail. Please see the attached form for what was mailed to Wells Fargo. Wells Fargo also received colored copies of my SSN #, copy of Passport ID, and electric utility bill showing address. It is my hope to settle this prior to proceeding with legal action. However, if this is unable to be resolved, I will proceed with legal action.
Product: Money transfer, virtual currency, or money service

Hello, I have a major complaint against PayPal. My friend and I tried to use PayPal to transfer money to pay for personal use, and PayPal, without warning, cancelled our transaction, froze the money for 6 months, and permanently banned my friend 's account for reasons unstated. 

When we called PayPal to resolve the issue by offering to validate our account as not fraudulent, created by a third party, etc... they refused at multiple layer of customer service saying the decision was " permanent '' and there was nothing we could do. They have effectively stolen {$1000.00} USD with no way to claim it back. 

I tried to call again, but this time with both of us on the phone as two different PayPal users making the transaction to vouch for my friend. We waited through 4 layers of customers service, reauthenticating, being placed on hold, and after 2 hours, we were on hold and disconnected by PayPal. 

PayPal 's unfounded decision-making, lack of redress options, and ineffective customer service has left us no other choice. Typical Americans can not afford to access the legal system to hold a company like PayPal accountable for their decisions and they know this.
Product: Credit card or prepaid card

American Express sent an offer for XXXX MR points as a targeted offer last year. I needed to spend {$5000.00} in 90 days in order to receive the offer. I completed the terms and have not received the targeted promotion. I have made several calls to their Membership Rewards team and to this date have not received a response or resolution. I continue to get the run around on this issue and it is becoming increasingly frustrating.
Product: Credit reporting or other personal consumer reports

I made timely payments on a mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I filed bankruptcy in XXXX  that was successful and again in XXXX  which was unsuccessful, but this obligation stopped showing up in my credit reports. 

I have made on-time auto loan payments to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX and am still making on-time payments for this loan. This, also stopped showing up in my report.
Product: Payday loan, title loan, or personal loan

I applied online and I was approved for {$800.00}. I have started to pay back the loan on a biweekly basis in the amount of {$140.00} I can not afford this payment. As well by the time I done I will have paid {$1400.00} for a {$800.00} loan. I think the finance charges are absurd! Please review my loan for accuracy. Also, confirm that they are licensed in the State of Texas. I want this loan voided and fees adjusted. I want the initial payments refunded.
Product: Credit reporting or other personal consumer reports

I was involved in multiple data breach in which all of my information was leaked. My social, debit and credit cards and other types of personal information were all apart of this breach and now since my accounts have been closed and while this was going on i have been taking it hard in life losing my car in XXXX accidents back to back. After dealing with injuries from the car accident i am finally ready to get back on my feet only to go to the dealership and find out i dont qualify for even the cheapest car. I ordered a copy of my credit report and finally understood why the data breech paperworks came in, money would just disappear but i never thought it was effecting me i just thought it was something sent to everyone who maybe affected by the incident. i tried to dispute these through the credit bureaus and they did not remove them i contacted the banks already and contacted the credit agencies told them i would be filling a cfpb complaint and ftc report and sending in all the proof i have towards this issue [ i will be uploading that proof here as well ] One of the data breaches i was apart of offered Credit services which i took ( XXXX ) i will also be uploading from there as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was unable to receive funds from my family using Cash App. I contacted Cash App they claimed I needed to verify my identity, mind you I had the Cash App for months already and used with no problems. They sent me a link instructing me to send my DL front and back and including a picture of me holding my license ( odd? ), but I did it. They told me it would take 10 days. I've verified with my other " cash app '' types, it took 1 - 3 days. I contacted Cash App XX/XX/XXXX talking to 2 reps at the same time. 1 via the cash app app, 1 via XXXX cash app. 1 rep continued to say they're working on it, while the other said I have to send my license again ( talking to them at the same time ). I feel I am being toyed with and I don't want to send it again and why wouldn't they both say that if that's the case. 1. I'm worried of where I sent my information to, 2 still unable to use the Cash App app, 3 someone is lying and playing games. 
My Case # XXXX Here 's the link they had me send my credentials to. 
https : XXXX. 
Please check the link validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : Starting in XX/XX/2019 I started reviewing my credit file for inaccuracies and found several with old addresses, phone numbers and names that did not belong to me. I contacted the credit bureaus to get the information that was not mine updated. Upon doing so a Fraud Alert was placed on my account with Equifax, without my request. I immediately contacted them and had the alert removed. When I did this the representative opened disputes on all my old accounts that were closed and reopened them to show negative marks such as past due or charged off. This immediately caused my credit score to drop over 25 points. Equifax has continued to cause inaccuracies on my consumer report causing much distress and inconvenience. With the XXXX Account myself and XXXX   have submitted request several times to update accurate account balance information. Equifax is still showing a high balance from XXXX of 2019 in the amount of XXXX. And they have refused to update with the correct statement balance of XXXX, which is causing my credit utilization to be high. 
With Equifax making the inaccurate updates and changes it is notifying XXXX of the changes causing this credit score to not be accurate. I was at a XXXX and because of this I have now dropped to a XXXX. I have had to lose time at work contacting creditors to make the correct updates and they are unsure as well why the accounts have been updated and or changed. I have worked extremely hard over the last 6 months to put my family in a position to buy a house and start a new business and with the way Equifax and XXXX has handled my accounts and request have prolonged this from happening and has caused me more stress than I ever have experienced. Due to Equifax it makes it look as if my bankruptcy has started all over again and has ruined the chance of any bank extending me credit. My credit report was locked with XXXX XXXX, XXXX and XXXX XXXX, yet they were still able to make request. I feel like my rights as a consumer have been violated. 

I would like for the negative remarks to be removed from my credit report and my credit report back to the original status that it was in XX/XX/2019 reporting score at XXXX. I would like to further investigate filing a lawsuit against Equifax for all the damages, time taken away from work and distress of having to deal with this getting fixed again. I would like to see my accounts reflect accurately. I would like for all of the old addresses & incorrect information that Equifax has listed that has already been requested to be removed to be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX XXXX al in XXXX of XXXX. I have always paid my payments on time and I have never been late. In XXXX of XXXX a company by the name of XXXX XXXX XXXX reported me late. I have never had an account with this company. XXXX XXXX XXXX placed a thirty day late on my credit report. Subsequently, when I contacted XXXX XXXX they said the information was correct. I paid XXXX XXXX on XX/XX/XXXX and this AXXXX XXXX XXXX took the money out of my account on XX/XX/XXXX which shows that I paid XXXX XXXX  on time. Unfortunately, I was set up with Automatic Payments with XXXX XXXX XXXX l and XXXX XXXX  who acts like a loan shark XXXX XXXX tried to take several payments out of my account. XXXX XXXX XXXX caused me to get over {$200.00} in bank fees. XXXX XXXX XXXX tried to take another payment illegally on XX/XX/XXXX, and then reported my account as late. XXXX XXXX XXXX is not my lender and they XXXX XXXX does not do same day payments which shows the money they took from my account on XX/XX/XXXX, so my payment was not late. XXXX XXXX XXXX has bad business practices because they tried to take more than one payment from me on six different attempts. I had automatic payments set up with XXXX XXXX XXXX and I didn't give XXXX permission to take any money out of my account. The payment I made to XXXX XXXX on XX/XX/XXXX, was the only payment that should have came out of my account. I paid my XXXX payment on time XX/XX/XXXX. I have never taken a loan out with XXXX XXXXXXXX XXXX  l and it was wrong for them to try six times to take money out of my account illegally and then report me late. I never did business with this XXXX XXXX XXXX
Product: Bank account or service

In XXXX of 2016 I signed up for Citi Bank Citigold checking account. On the webpage from which I applied it stated I would receive a bonus of XXXX XXXX XXXX miles if I meant the following requirements : 1. {$1000.00} in debit card purchases 2. Processed at least XXXX bill payment for two consecutive months. 
3. Kept the account open for six months. 
On XXXX XXXX, 2016 I messaged Citi to confirm I had meant the first XXXX requirements. They responded and confirmed I had meant the requirements and I would receive the bonus after keeping my account open for six months which I did. I payed a {$30.00} a month fee. Citi informed me on XXXX/XXXX/2016 that I was no longer eligible for the bonus and would not receive it. This is a classic bait and switch.
Product: Credit reporting or other personal consumer reports

I have been a client for XXXX XXXX for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reportedXX/XX/XXXX, and XX/XX/XXXX I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

much a hard time moving on to next day
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and XXXX about this issue numerous times in the last year and have gotten no resolution, I am told to contact the creditor that refuses to correct the information even though I have a court issued Discharge and Creditor matrix proving that the accounts are being incorrectly reported. The accounts are : - Plaza Home Mortgage  this account was included in the bankruptcy and is still showing late and does not reflect as being included in bankruptcy.
Product: Mortgage

the mortgage was transferred from XXXX XXXX XXXX to Mr. Cooper in XXXX as the new mortgage servicer and all monthly were made and the account is up to date. 

As such Mr. Cooper without my knowledge obtained the property tax records and added the {$1300.00} tax amount for this year to the mortgage escrow impound. Resulting in the mortgage payment increasing from {$890.00} to {$1200.00} beginning XX/XX/XXXX. Note : ( this home maintained a Homestead exemption due to the previous owner XXXX it was afforded a tax exemption so taxes were not paid ) This new payment exceeds my ability to continuing paying the mortgage. Funds to pay the taxes had been set aside and available since XX/XX/XXXX of which I have the responsibility of paying not Mr. Cooper. 

I have not been able to get a resolution to this issue as Mr. Cooper agents have claimed that I am not an authorized person on the account to access information on the Escrow question and therefore are not able to discuss any account details with me. 

The Letter of Administration for the Estate issued on XX/XX/XXXX from XXXX XXXX XXXX Court was sent to previous mortgage servicer ( XXXX XXXX XXXX  ) in XXXX of XXXX but apparently was not included in the account records received according to Mr. Cooper service representatives. 

The Letter of administration was emailed to Mr. Cooper on Tuesday XX/XX/XXXX and again today with additional clarification as to why they were sent to MR. Cooper. 

I am not in a position to pay a XXXX monthly mortgage payment going forward, I gave Mr.Cooper until Wednesday XX/XX/XXXX for access that they are withholding for and providing an answer on my request correct the Escrow analysis by removing the {$1300.00} tax amount as they are not authorized to collect and pay the taxes. As noted the funds to pay the taxes have been available since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has failed to remove an alleged collection account from XXXX XXXX XXXX from my credit report after XXXX XXXX has agreed to stop any type of future efforts to collect this debt. This is a clear example of how Equifax does not take the time to properly investigate and verify improper information about inaccurate and incomplete information on credit reports. If Equifax would have contacted XXXX XXXX they would know to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account FNB OMAHA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that FNB OMAHA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card or prepaid card

We had {$4200.00} due by XX/XX/XXXX on our Bank of America Visa credit card. We were set up for electronic payment. On both XX/XX/XXXX and XX/XX/XXXX, Bank of America drew payment ( total {$8400.00} XXXX, resulting in overpayment of {$4200.00}. This was BoA 's error. 

Our XX/XX/XXXX BoA Visa statement shows a balance due of negative {$1400.00} ; in other words, a credit ( nothing due ) on the " payment due date '' of XX/XX/XXXX. 

On XX/XX/XXXX we contacted Bank of America, and they refunded our overpayment. What BoA did not tell us is they had changed our " balance due '' for XX/XX/XXXX. 

We were surprised to discover when we checked online today, XX/XX/XXXX, that our BoA credit card account now shows a " balance due '' of {$27.00}. How is this possible against a closed billing statement that says " Total Minimum Payment Due {$0.00} ''? 

We called Bank of America today and asked our phone rep XXXX XXXX in XXXX XXXX. She defended the change in amount due against a closed statement. This is outrageous. 

We were vigilant and caught this gotcha before the " balance due '' date. But if we had missed it, BoA would likely have begun charging interest and fees for a missed payment that they had never informed us about. 

We are asking you to sanction Bank of America : A credit card issuer ( 1 ) should not charge a balance due against a statement credit or ( 2 ) fail to inform the cardholder of a change in balance due posted after a billing statement has been issued.
Product: Credit reporting or other personal consumer reports

My account has been hacked, the information on a lot of these accounts are not me. 

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