23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Manager of this company, Eagle Loan Co in XXXX, Ohio, came to my home and knocked on my door asking for me. I did not know who he was, I have never seen him before, he was dressed up in a suit with papers. He really scared me as I did not know who he was and I told him he had the wrong XXXX XXXX A few hours later one of the office workers contacted me about past due amount, i gave her permission to use a different bank card of mine, one time only, to make a {$71.00} and that was it. I asked her if they send people out to borrower 's homes and she said that sometimes the manager of that location will go out to homes if they can't reach someone by phone. After that they continued to deduct money off of that card after they were told only the one time. 
XX/XX/2023 {$71.00} is the date & amount given permission only ; XX/XX/2023 {$140.00} was taken out, no permission given ; XX/XX/2023 {$30.00} taken out, no permission given ; and XX/XX/2023 {$70.00} taken out, no permission given. 

I have already filed a debit card dispute with XXXX XXXX & have a Case # as well.
Product: Credit card or prepaid card

I opened Capital One XXXX XXXX account ( # XXXX ) on XX/XX/2022. I fulfilled my required spending with legitimate purchases and received XXXX points as a bonus for opening the account. I also paid {$390.00} for an annual membership fee. In late XXXX, Capital One " conveniently '' closed the account without any explanation, no call, no letter. 

Further, Capital One partially confiscated the points and provided an " automatic '' credit at {$0.00} per point, which is only 25 % of the true value of the points, without giving me a chance to use the points the way I would prefer within a pre-specified period. 

I fully paid off the balance on the closed account, fully fulfilling my obligations to Capital One, but expected a prorated refund of the annual fee of {$390.00}. 

The pro-rated refund never came. 

In a few months, I never got said prorated refund and called to complain to no avail. The representative explained that I am not entitled to a refund of the annual fee, even though Capital One themselves closed the account, just 2 months after opening it. 

I fully understand that any credit card account may be closed with or without reason, however, the confiscation of the {$390.00} annual fee is a form of theft from my point of view. To my knowledge no other financial institution has the audacity to confiscate annual fees upon involuntary and self-serving account closure. 

Further, the above consideration also applies to the partial confiscation of the legally earned points, without giving a reasonable opportunity to a customer to use the points the way he/she finds suitable.
Product: Checking or savings account

I reached out to Credit Karma about 2 months ago now to start the process of reporting an NFT scam I had discovered I was a part of and explained the situation to the bank requesting a refund for the scam I was victim to. They said that they would have to investigate and it could take upwards of 45 days. I completely understood and let them investigate offering any evidence that I had collected. Remaining unbelievably patient for well beyond the 45 days I continually had to reach out to the bank for any correspondence on this case. Due to my schedule, I was only able to mostly communicate via chat - so I do have screenshots of every conversation and every promise made for them to " reach out to me or call in. '' I continued to stay patient letting them know how serious this was and that I felt like I was being disregarded and a longtime loyal banking customer - that had never had anything like this happen. Still, out of nearly XXXX dollars my bank approved XXXX but denied the remaining amounts. Their reasoning was " compelling evidence from the merchant '' so I reached out to the merchant, XXXX. They had no such evidence that was connected to my account or noted on my account. They took the utmost care and immediately did a thorough investigation. They sent me every piece of information I needed to file more reports against the scammers and how to protect myself in the future. Unlike Credit Karma, who dismissed a very serious NFT scam case and made decisions about how much they were willing to refund. I am still in a battle with this FDIC bank, Credit Karma, on whether or not they are WILLING to refund my money that was involved in a scam, in which I was the victim. 

I will be removing everything I have with this bank once I receive my refund- this has been the worst banking experience I have gone through. I hope that no one who is a victim of an NFT scam understands that this bank will not help you. They do not care about you as a consumer and will pass you off to the next person.

Another simple example : I spoke to a chat agent with Credit Karma and asked for the legal department 's information. To be told repeatedly, " Someone will reach out to you '' for absolutely no one to reach out AND the information is readily available online. I also can legally request this information from an agent of the company. It tells you so much about the " tactics '' they train their customer employees in to avoid conflict. But in reality, this has only further escalated the issue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing in response to your recent communication dated XX/XX/year> concerning the debt referenced above. I acknowledge that you have attempted to verify this debt. However, I still require further clarification and specific validation for the following reasons : 1. Detailed Accounting : I request a complete breakdown of how the amount you claim I owe was calculated. This includes the original principal amount, interest rates, fees, and any payments or credits applied to the account.

2. Proof of Ownership : Please provide proof that you or your client owns the debt. This should include a copy of the original contract or agreement that bears my signature, demonstrating that I am indeed responsible for this debt.

3. Chain of Title : If the debt has been sold or transferred, I request documentation showing the chain of title, from the original creditor to your current ownership of the debt.

4. Statute of Limitations : Please provide the date of the last payment made on this account to confirm that the debt is within the statute of limitations in my state. 

I remind you that under the Fair Debt Collection Practices Act ( FDCPA ), you are obligated to provide proper validation of the debt. Until you do so, I will consider this matter unresolved, and I request that you cease all collection activities, including reporting to credit bureaus, until this validation is completed. 

Please respond to my request within 30 days from the date of this letter. Failure to do so will result in me considering this debt invalid, and I will proceed accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

A payday loan was charged to my account online. I never apply or received any cash to my knowledge. Now its on my credit report and I want it removed!
Product: Checking or savings account

On or about XX/XX/15 I transferred {$250.00} into my checking account to cover the highest balance and most past due of my two credit cards in the amount of {$250.00}. This left a remaining slightly late balance of {$150.00} due on the other card and it was agreed between myself and the USAA Special Debt Solutions agent on the phone that rather than have them auto debit the payment ( because of the inability to change, modify or cancel payments they create and the problems that caused in a previous transaction ) I would check back in approximately a week and make the payment manually. 

Unfortunately the medical issue that caused me to become severely late in the first place earlier this year reoccured and I was immediately hospitalized for an additional extremely long period of time and only within the past two weeks. 

Upon my return it was discovered that USAA had gone ahead and auto debited the {$150.00} from my checking account without my permission, force overdrawing the account which remained overdrawn without my knowlege or ability to correct it for an extended period of time because I was hospitalized yet a second prolonged period of time. 

Subsequently USAA closed and charged off my checking account that they unlawfully caused to become overdrawn and now they refused to fix the issue they caused in the first place. 

Ironically this is the very same group within USAA that is responsible for the class action that USAA just settled with the Consumer Protection Board and is exactly the same type of behavior that got USAA in trouble to begin with. It's vividly clear that USAA has not learned from their punishment and continues to engage in the same unlawful practices. 

When I was made aware of what caused my account to be closed the agent I was working with attempted to contact the USAA Special Debt Resolution unit that had unlawfully forced the ACH payment in the first place. They told her they would only reverse it if they could speak to me directly. She noted the account in great detail and then transferred the call. 

XXXX # XXXX then took over the call however instead of working with me as promised to reverse the unlawful charge he immediately went into trying to collect on my two credit cards. When I stopped him and said wait a second, you told the other agent you were going to take care of the charge and the only way you would do so is if you could talk to me about it and now you refuse to talk about that at all opting instead to discuss my other accounts he completely denied telling the original agent this however the calls are recorded and she clearly documented the conversation between all parties. 

XXXX # XXXX flatly lied to the originating agent for the sole purpose of getting her to transfer my call to him. In the end the call was terminated and he was nofitifed there would be consequences for his dishonesty. Dishonesty and unlawfulness that apparently runs rampant in his department. This group appears to be have been given carte blanche within USAA despite being the cause of the most recent two Class Action Federal Complaints.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the inaccurate and incomplete information that is currently being reported on my credit report. Despite my repeated attempts to contact you and resolve this issue, I have seen no progress in correcting the errors. 
As a consumer, I have the right to accurate and complete information on my credit report, as stated in the Fair Credit Reporting Act ( FCRA ) 602. Congressional findings and statement of purpose ( b ). Therefore, I am demanding that you immediately delete and remove the following information from my credit report : XXXX XXXX XXXX - Account # : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # : XXXX I have carefully reviewed my report and have determined that these accounts are not accurate representations of my credit history. I have made numerous attempts to contact you and provide documentation to support my claims, yet the errors remain on my report. 
I urge you to take immediate action to correct these inaccuracies and provide me with a corrected credit report. Failure to do so will only continue to hinder my ability to obtain employment and provide for my family 's needs. 
Please provide me with proof that the accounts in question are accurate and true, as required by the FCRA. If you can not provide such proof, I demand that you immediately remove and delete these accounts from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

Regards, XXXX XXXX
Product: Debt collection

CKS Prime Investments is reporting a collection account on my consumer report that has not been verified or properly validated. This is a violation of the FCRA AND FDCPA. THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT AND MUST BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DLETED WITHIN THE TIME GIVEN IN THE DISPUTE THAT IS IN THE RESOLUTION BOX, I WILL SEEK FOR DAMAGES AND STATITORY DAMAGES. UP TO {$1000.00} PER VIOLATION PLUS EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT.
Product: Payday loan, title loan, personal loan, or advance loan

I lost my source of income in XXXX. I have XXXX bills and a roof to keep over my head. I am experiencing an hardship at this point. I have requested for WellsFargo to place a pause on my account temporarily until I regain employment. I was denied.
Product: Checking or savings account

I live in XXXX, South Dakota. I have XXXX XXXX  daughters at home, ages XXXX and XXXX. I have a XXXX year old son that lives on his own with roommates. Last week his entire paycheck and bank account was emptied wrongfully for a garnishment which i know nothing about. The problem is THIS week, my minor daughter 's savings account was emptied of {$700.00}, everything she had. We just returned from XXXX  where she was in the hospital for XXXX and she is unable to work or go to school 3 months. She saved this before her XXXX from working so she could pay for her car, insurance and school items she needed. She was supposed to put a deposit on a trip with her class next year and now she no longer has it and can not pay her bills. My daughter is severely distressed and when looking at her account it said garnishment XXXX XXXX. I called the bank that allowed the money to be taken, XXXX XXXX, XXXX, SD, and they said it was XXXX 's garnishment and they can not talk to me about it. I stated it was stolen from MY XXXX  child so i am involved. Still no answer. They stated it was AAA Collections in XXXX XXXX SD. They, too, will not give answers because it is my son 's collection issue, not mine, and he is an adult. Regardless of my opinions about the fraud also happening to him right now with this company leaving him with any way to pay car payment or get food, my frustration and anger is at the theft of the {$700.00} from my daughter XXXX XXXX. None of us know what this is about nor did we get letters explaining. Not only that, my son did not receive a letter explaining so he can fight it or at least make payments. AAA Collections in XXXX XXXX, South Dakota has caused severe hardship on 2 families and it is cold and heartless, especially in these trying times.
Product: Mortgage

Paid off mortgage XXXX XXXX,2017. As of XXXX XXXX, 2017, have not recieved funds paid in excess of payoff amount. American mortgage withdrew mortgage payment 10 days after mortgage was paid off. Waiting now 39 days for deed and funds owed to us.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy the information concerning the individual about whom the report relates.these accounts grain acount # XXXX XXXX XXXX acount # XXXX self account # XXXX XXXX XXXX XXXX XXXX acount # XXXX XXXX XXXX acount # XXXX XXXX XXXX # XXXX, are not complete and accurate.reporting inconsistent information across all 3 bureaus.and one more thing according to15usc 1681s-2 a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.delete accounts immediately and stop violating my federally protected rights under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious 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 XXXXXXXX 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: Checking or savings account

On XX/XX/XXXX, I opened up a Citibank Checking Account through their website to take advantage of an offer they were having where if I deposited {$15000.00} they would give me {$400.00}. 

Currently, that offer is the same right now on their website, deposit {$15000.00} but this time, it's only a {$300.00} bonus. Either way, the fine print is the same. 

So after a few months of not getting the bonus, I reached out to them to see what was going on. They responded with the attached document that I saved. The customer service representative after looking over my account verified that I would receive the bonus on XX/XX/XXXX. 

" XXXX : as i see you have funded the account on XX/XX/XXXX so you will receive the bonus on XXXX XXXX, XXXX '' XX/XX/XXXX came and went and so I messaged them again and they said that they are denying my bonus. 

My husband did this exact promotion at the exact same time as me. He got the bonus. I didn't. I don't know why they're refusing to pay me the bonus that was per their terms and conditions. 

I was going to attach their reply to me but for some reason they deleted it on my 'secure messages '. Not sure why. It was case # XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was alarmed to find an unauthorized inquiry. I tried refreshing my browser, but it didnt disappear. Im very upset and need you to immediately verify the documents I provided to ensure this issue is permanently resolved.
Product: Debt collection

The Debt Company Withdrew Funds From My Account Without My Consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS REVIEWING MY CREDIT REPORT AND I SAW, THAT THERE ARE ACCOUNTS WHICH IS NOT MINE. I COMPLITELY DISAGREE WITH INFORMATION WHICH YOU POSTED ON MY CREDIT REPORT. NOWDAYS ITS VERY HARD TO SURVIVE WITH XXXX, AND YOU MADE IT HARDER WHEN YOU POST THESE ACCOUNTS ON MY CREDIT, NOW I HAVE NO CHANCE TO OPEN CREDIT CARD, IT WOULD HELP ME EVEN TO BUY FOOD.
Product: Credit reporting or other personal consumer reports

I did not agree to other consumers getting into my personal account. I would like these removed from all credit bureaus please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid Lexington Law to help with my credit and paid them upfront. They had not performed any of the services they stated I would receive and when I asked for a refund, they said I would get a portion of it back, but I had to wait a year by contract. It has been almost 2 years and I still have not received anything. They removed me from their system and when I called I asked for someone on the management team to give me a callback and that never happened. This agency has scammed me out of {$800.00} and refuses to provide me with a refund.

The lack of communication on their part and removal from their system tells me what type of company they are.

I end up paying 60 more because they talk me into doing an accelerated service they provided which yielded no results.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to adequate 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 and 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission to XXXX to place the inquiry for JPMCB CARD on XX/XX/2021 I asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my XXXX XXXX and needs to delete immediately : Date of Birth : XX/XX/1990
Product: Debt collection

XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!
Product: Money transfer, virtual currency, or money service

Coinbase wallet and I'm unable to close the account and redeem my cash. They don't respond to email or answer the phone. My password will not reset. I'm unable to access my {$200.00} which they continue to make money on via float.