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

My XXXX Bank of America prepaid card. On Monday XXXX XXXX I attempted to withdraw {$1000.00} dollars off of my XXXX bank of America prepaid card inside in Bank of America via a Teller and the card was declined stating " insufficient funds '' which false due to the fact that I did indeed have the {$1000.00} on my XXXX Bank Of America prepaid card. I called and spoke to XXXX, a Bank of America representative through the customer service line and she checked and saw there was a block on my card and she unblocked the card so I could use my funds. On Tuesday XX/XX/XXXX of 2021 I went to a gas station inside with the clerk and I asked for {$7.00} on the pump for gas and my card was declined again I called Bank of America customer service and the representative stated there was a glitch in the system which was causing the card to be blocked and then they unblock the card the representative stated that someone requested that I was sent out a new card WHICH I HAVE NEVER REQUESTED! and I still wasn't able to use funds. On Thursday XXXX XXXX I went to another Bank of America Location to withdraw {$13.00} which was declined. I called Bank of America customer service and the representative stated they had unblocked my card again and couldn't understand why the card was blocked. Today Saturday XXXX XXXX my card is still blocked and I'm still unable to withdraw and/or use my funds I have been speaking to Bank if America representatives all day the representative stated error code pops up while trying to unblock my code and they can see that it's blocked but it has no reason why. And no one can explain why the card keeps going on blockEvery single time I have attempted to use my Bank of America card it is instantly blocked which prevents me from using my own personal funds on my card. This has been very frustrating due to the fact that I reported this matter to the Bank of America resolution department on Several times as well as the consumer Financial bureau. I received an email from XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX, extension XXXX Case number : XXXX. XXXX has NOT BEEN HELPFUL OR EVEN ATTEMPT TO RESOLVE THIS ISSUE. I sent her two emails after the block was removed and then placed back on randomly the emails I sent her were on XXXX XXXX and again XXXX XXXX which she has chosen to ignore. The following days I receive a letter in the mail stating in a summary that the blockages would be removed and in 60 days I would receive an actual reason as to why this blockage has continued EVERY SINGLE DAY without reasoning. I have yet to receive a follow up letter and or email. This is completely uncalled for. Today XXXX XXXX my card is blocked and Im unable to use my funds which is preventing me from paying bills and purchasing necessities. I have spoken to several boa rep. And no one can unblock my card.
Product: Credit reporting or other personal consumer reports

I noticed that I have hard inquiries on my credit report is affecting my credit score, I did not authorize these inquiries and request them to be removed off my credit report immediately. thanks
Product: Debt collection

I am requesting for this inquiry. I did not authorize this company to run my credit. I'm not liable for this debt with Midland credit management. I demand this be removed from my credit report.
Product: Credit reporting

I check my credit transfusion credit report and I noticed that all my inquiries had been removed 3 days later I checked the credit report again and the inquiries were back on and by law if inquiries go back on my report I 'm supposed to get a five day notice and I did n't receive this letter in the mail so I want the inquiries removed.my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Arkansas XXXX My date of BIRTH is XXXX/XXXX/1965 My social security number is *********** Thank You in advance
Product: Credit card or prepaid card

i sent a payment for services on XXXX  and the merchant didnt use venmo anymore and I had no idea, so i paid the merchant through XXXX XXXX expecting that XXXX  would cancel the transaction because both me and merchant requested the cancellation but sense merchant owed XXXX, they will not cancel the transaction, but its not my fault the merchant owes XXXX, regardless if the merchant and buyer are asking for a cancellation it should be cancelled, but they are not going to cancel, even after showing proof payment by other means such as XXXX as I did. please have XXXX  release my account and unfreeze it. GOD BLESS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, its been 6 to 8 months of me fighting to get this fraudulent Bankruptcy off my credit report. The information I received from Equifax saying it was verified, But I want to know who verified it? By law you have up to 30 days to remove this of my credit report.
Product: Credit reporting or other personal consumer reports

I need to know all the details and paperwork use to verified all debts and all written consent form me to furnish my credit report
Product: Payday loan, title loan, personal loan, or advance loan

At least 6 months ago I came to title max to get a title loan for an emergency. There was a fill in person by the name of XXXX  who does not work for the company anymore due to being fired from my understanding, that did my contract. This is my first loan Ive ever had and probably will be the last. She didnt explain anything to me about how they do business, she never disclosed my annual percentage rate which is around 150 % and they never disclosed to me that out of the nearly {$500.00} that Im supposed to pay them every month, only about {$60.00} of it goes towards my actual account and {$440.00} of it goes to fees. I was never told anything about my contract, I wasnt even aware that I wasnt actually even paying this loan off hardly at all until 4 months into it and I still owed almost the same amount of money that I had taken out. I received a loan of roughly {$2000.00} for my 2010 XXXX XXXX title and I still owe roughly {$1700.00} even though I have paid them almost {$3000.00} to date. This loan is breaking me, if I was disclosed of title maxs practices during the time I took out my loan I would have never done it. Please help!
Product: Credit card

My account was marked 30 days past due. I never received a past due notice and never got a call from the company to notify me that my payment was missed. The company told me at some point I opted out of contact. Having worked in XXXX for 10 years I have NEVER missed a payment and would NEVER opt out of communications for reasons like this.
Product: Credit reporting or other personal consumer reports

This afternoon, I found unauthorized inquiries on my credit report, and Im baffled as to how they got there. When I reviewed my report, unexpected discrepancies caught me off guard. Hoping it was a glitch, I refreshed the page, but nothing changed. Please examine the documents Ive provided thoroughly and resolve this immediately to ease my growing frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  Account XXXX
Product: Debt collection

Portfolio recovery sued me, and than called and harasses me into paying this debt in 2012. Hoping that this is included in there case because I could use a partial refund for the harassment that I went through on this debt and continued harassment because it 's on my credit for another 7 years or so.
Product: Debt collection

United Consumers , Inc. ( UCI ) XXXX XXXX  XXXX XXXX, VA XXXX mailed a letter regarding an alleged collection on behalf of a company I have never had any account with for any reason. After repeated attempts to call and contact through text and chat, along with numerous calls to the alleged original creditor and its partners, I concluded that UCI falsely claimed this debt is owed, while stating " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' A quick XXXX search confirmed that numerous others have suffered the anxiety and discomfort resulting from collections due to UCI 's regular business practices of ( at the very least ) misrepresentation and ( likely ) fraud. Please do something about this awful organization.
Product: Credit reporting or other personal consumer reports

They appear to have my email on someone else 's account. The name on the account is not mine and I did not apply for credit withg them. I requested them to remove my info and they refused.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2020 @ XXXX I received and text message and email from PayPal asking me if I was trying to pay XXXX. I immediately replied " NO '' and received another text from PayPal thanking me and to please change my password. 

I logged into my account, changed my password, and saw three ( 3 ) separate charges for XXXX to XXXX XXXX XXXX . At the same time I was getting XXXX thank you emails in XXXX. ( I do not speak XXXX ). 

A few minutes later another line item popped into my papal account for one XXXX credit. 

Still on XX/XX/2020 I logged into my XXXX XXXX checking account that is tied to PayPal, there were no withdrawals. I thought all was settled at that point. 

On XX/XX/2020 I logged into my XXXX XXXX checking account and saw that three ( 3 ) withdrawals for XXXX were taken by PayPal and given to XXXX XXXX XXXX . There was also one ( 1 ) credit from PayPal for the same amount, XXXX. 

I logged into my PayPal account and tried to talk to someone. The only method made available was chatting VIA the website. This was almost impossible as it took 8 hours in some cases to respond. In the end I filed a compliant for the 2each XXXX charges that had not been reimbursed. I very clearly told them these were not authorized and assumed it was just a mistake by paypal. 

The response from PayPal was that they considered these authorized because they had on file an authorization, that I was unaware of. I have asked 3 separate times to talk to a human but they have so far refused. The only help they offered ( VIA chat ) was that I should contact my bank. 

The transactions they allowed unauthorized are XXXX and XXXX. 

A very quick search finds this to be a common problem that has 10 year history. Please put a stop to letting these XXXX? hackers steal money.
Product: Credit reporting or other personal consumer reports

I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Shortly after my laptop and phone was stolen with phone # XXXX. Reported it to the Police. 

Got in some trouble, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While I was incarcerated someone ran up my bill and had stolen equipment in my name from XXXX XXXX. {$690.00} I have contacted them and they refuse to remove or refund this charge or replace my device
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay! What Im not understanding is why Ive had to contact and write Experian several times regarding this account. 

XXXX Account # XXXX Opened XX/XX/XXXX Closed / Charged off For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Experian has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Experian This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Experian several times to advise them on unauthorized account access.
Product: Mortgage

I have never been late on my mortgage payment. Mortgage company did not get my annual insurance payment to my insurance company by due date. 

XX/XX/2023 I was informed my home owners insurance was not paid to the insurance company from my escrow. 

It was over 30 days before it came to my attention. At that point, I could not find anyone to insure my house. It took me over 60 days after not being insured to find a company to insure the home. My premium went from around {$1300.00} to nearly {$6000.00} a year. Basically doubling my house payment with the new insurance premium.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its refusal to review my dispute letters, despite my efforts to confirm my identity and the authenticity of the correspondence. 

I mailed dispute letters to Experian regarding inaccuracies on my credit report. However, I was informed that Experian refused to view these letters on the grounds that they were unsure if the letters came from me. Following this, I contacted Experian and provided additional information to confirm that I, indeed, sent the letters and that the dispute was legitimate. Despite my clarification, Experian still refused to review my dispute letters. 

This refusal by Experian to address my dispute is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I believe Experians actions are not only unjust but also detrimental to my credit standing. I am seeking your assistance to ensure that Experian reviews my dispute letters and corrects any inaccuracies in my credit report as required by law.
Product: Credit card or prepaid card

I AM WRITING THIS COMPLAINT AGAINST CAPITOL ONE BANK FOR CHARGES MADE ON MY CREDIT CARD FOR A CAR RENTAL BY XXXX  XXXX  XXXX  XXXX. I SUBMIT A DISPUTE TWO DAYS AGO AND THE DISPUTE IS ALREADY RESOLVED WITH CONTACTING ME FOR ANY PROOF OR EVIDENCE ON THE CAR RENTAL. I DID A TWO DAYS ONLINE RENTAL WITH XXXX  XXXX  XXXX  FOR A CHARGE OF XXXX WHICH WAS CHARGE ON MY XXXX CREDIT CARD AND WHEN I WENT TO PICK THE CAR AT XXXX XXXX I WAS ASKED TO MAKE A DEPOSIT FOR XXXX XXXX AND XXXX DOLLARS ON MY CAPITAL ONE CARD. THEN I HAD A ONE DAY EXTENTION FOR XXXX PLUS TAXES WHICH WAS SUPPOSED TO BE CHARGE TO MY CAPITOL ONE CREDIT CARD. BUT XXXX  CHARGED XXXX DOLLARS WHICH IS A RIP OFF, I AM SURE THIS COMPANY IS RIPPING A LOT OF INNOCENT PEOPLE OFF WHO DON'T KNOW ABOUT CAR RENTALS. I WOULD APPRECIATE ON INVESTIGATION BEING DONE ON BOTH COMPANIES BECAUSE I HAVE PROOF OF MY RENTALS RECEIPT. ALSO I AM REQUESTING THE STATE OFFICIALS OR THE APPROPRIATE DEPARTMENT OF NEW YORK STATE TO CHECK ON THE CHARGES ON THEIR RENTALS AGREEMENT THAT THE GIVE OUT TO CONSUMERS ON THEIR RENTALS. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 Balance : {$3600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all of these fraudulent unauthorized inquiries for my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and is reporting false information to future creditors. XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let XXXX, XXXX and Transunion have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System for XXXX XXXX in XXXX Texas shows that I was living there with mother XXXX XXXX and I did move to XXXX Tx until XX/XX/XXXX. I sent XXXX, XXXX, and XXXX this info i have regarding me not being in Texas until XX/XX/XXXX. I have my job offer letter from XXXX that I was starting in XX/XX/XXXX so there was so way I could have been there. And still XXXX  won't remove this with all the info that was given and is messing up my credit badly I never signed no paperwork or anythign for my name to be on the apartment
Product: Money transfer, virtual currency, or money service

I made some purchases in this application called coinbase there were XXXX purchases of XXXX XXXX dollars total XXXX XXXX dollars I made the first purchase on XX/XX/2022 I made the second purchase on XX/XX/2022 I made the third purchase on XX/XX/2022 and the last purchase was made on XX/XX/2022 after making these purchases they do not want to let me withdraw my money from the wallet
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a natural man who has been victimized not only by the 3 major credit reporting agencies XXXX XXXX, XXXX, and Equifax through their UNAUTHORIZED and UNAPPROVED collection, storage, and selling of my personal information, but also by the criminals in the underworld who obtained my data through the XXXX Equifax data breach. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my personal consumer reports, and received only one response from XXXX XXXX which stated that they were not going to process my complaints because it didn't appear that the documents came from me. I informed them that this is exactly the kind of unlawful behavior that the FCRA was established to prevent. I'm deeply depressed and XXXX  dealing with years of negative and erroneous items in my credit files and having to fight these companies that make billions of dollars by reporting inaccurate accounts. I'm also writing to the Attorney General of Maine and the XXXX, as I have no faith in the CFPB. I've complained about these companies many times before, but they only give some form reply and the CFPB disappears. It's ridiculous. I sent letters Certified to all 3 CRA 's on XX/XX/XXXX, and received a reply from only XXXX XXXX on XX/XX/XXXX stating they didn't believe I sent them the letter, so they were doing nothing for me. That's completely unacceptable.
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owned your {$1600.00}, which I know I did not do any business with your company. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 

I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Last XXXX XXXX
Product: Credit card

My Bank of America XXXX XXXX card recently revamped their rewards program. Essentially the way it was explained to me was that they were making the redemption requirements more stringent and only beneficial after a certain amount ( XXXX ). Any rewards withdrawal before that threshold would receive less bonus. My credit card rewards have been changed and the changes only benefit the credit card provider not the consumer. My only recourse is to pass the XXXX point threshold in order to receive my normal bonus ( that previously was available to me at anytime ) then close my card and find a card with a provider that is designed to benefit the consumer not the provider.
Product: Debt collection

THE FOLLOWING VOICEMAIL THAT IS ON MY PHONE REPEATEDLY EVERY SINGLE DAY, THIS COMPANY CALLS AT SEVERAL DIFFERENT TIMES OF THE DAY EVERYDAY. This is what the message says : Hello this is Chrysler capital please respond promptly by accessing your account online at my account.chryslercapital.com or by contacting any of our servicing department representatives at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX central time Monday through Friday and XXXX XXXX XXXX XXXX XXXX central time on Saturday this is a recording I do not have ANY affiliation with this company. Maybe they are looking for the person who had this very same phone number that I now have. It is a mistake, and I want them to stop calling me! Ive blocked them, and they still leave messages on my voicemail everyday!