23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XX/XX/XXXX -- ONGOING Amount- {$2200.00} Companies Involved : XXXX XXXX and Revco Solutions What happened : I have tried repeatedly to get this debt resolved with XXXX XXXX with numerous phone calls, all of which I have documented. XXXX ASSURED me every time I called that as long as I was making payments, ( which I was ) that the account would NOT be sent to collections. In addition, I requested of XXXX that a note be placed on my account, that I would try to pay this in full in XX/XX/XXXX. The person from XXXX who told me it would not go to collections per a phone call on XX/XX/XXXX, and put me on a payment plan was named XXXX. When I called XXXX XXXX back on XX/XX/XXXX to follow up on the account status, I was told that XXXX XXXX " no longer has access '' to my account. Since I had been calling and making installment payments on the account, this made no sense to me. At my request, my call was forwarded to a supervisor with XXXX XXXX, who got on the line with Revco Solutions and me. Although XXXX claims otherwise, XXXX NEVER notified me that this account had been sent to collections. On a separate but related note, I also received a letter from a company called XXXX ( who said they were writing on behalf of XXXX XXXX ) that my personal information may have been compromised, which is also very concerning. 
I have since mailed a certified letter to both XXXX XXXX and Revco Solutions. I mailed the letter on XX/XX/XXXX. My letter to XXXX proposes that they validate the debt within 30 days or pull it back from collections. My letter to Revco Solutions offers a pay-for-delete agreement. I have attached copies of my letters, as well as all other related paperwork that I could attach. 
I am still waiting on responses from XXXX and Revco. 

This matter is causing me a great deal of stress, as I have told both companies repeatedly that due to our financial circumstances, I am unable to pay the account balance in full. In addition, I do not qualify for the hospital 's financial assistance program. 
ANY assistance with this matter is GREATLY appreciated. I do not want my credit score to be ruined because of this one account. I am a very responsible person, and I always pay any debt that I owe. 

Sincerely, XXXX XXXX cell XXXX XXXX XXXX
Product: Checking or savings account

Unreasonable Blockage of Online Account Access I am writing to express my extreme dissatisfaction with the recent blocking of my Citibank online account access On XX/XX/year>, I was unable to log in to my account and received a message stating it was blocked. 

This unexpected blockage is highly concerning, especially since I was not provided with any explanation for the action. I have been a loyal Citibank customer for 5 years and have never engaged in any activity that would violate your terms of service. 

The lack of access to my online account is causing significant inconvenience. I rely on my online banking topay bills, transfer funds, monitor account activity. This blockage is hindering my ability to manage my finances effectively. 

I demand immediate action to resolve this issue. I request that you investigate the reason for blocking my account and unblock it as soon as possible. Additionally, I would appreciate a clear explanation for this disruption.
Product: Credit card or prepaid card

I received a total of six advertisement credit card applications with six different names registered at my address. I have lived at this address for over 24 years. My name was on one letter and five other, unknown names were on the other five letters. 

I received these six letters in the mail on XX/XX/2020. The company is called US Bank. 

The mail solicits that I activate a debit card from usbankreliacard.com which already has {$75.00} available for my use. I am concerned about this as a potential bait and switch, but I am more concerned that five other names have been sent to me. I could submit all of these cards, potentially, and get money on false names. 

Please let me know if there is a possibility that five other people are identified as living at my address -- that's one big worry. Worse, is this a hidden scam? 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card or prepaid card

On XX/XX/23 I disputed a charge of {$170.00} on my Bank Of America Visa card ending in XXXX because I did not authorize this amount and did not receive goods or services posted XX/XX/23. 

Bank of America verified there was no proof I authorize this amount or received goods or services. 

However, Bank of America refused to reversed this charge because they said Visa regulations would not allow the reversal because I had simply " presented '' my card-even though I did not authorize this amount or received goods or services.

When I pointed out that Federal law ( e.g., 15 USC 1666 ) does not allow Visa to do that, Bank of America credit department said too bad, they are subject to what Visa, not the law, says.
Product: Credit card

Card was lost, waited on hold for 11 minutes. XXXX the customer service rep from Maryland told me it would take 5-7 days to get a card BECAUSE XXXX could not deliver the card sooner. This was a CITI XXXX card and he kept telling me I had an XXXX card. Guess the third party Costo is using for CITI service is confused. I asked to speak to a supervisor and he told me NONE were available and the MIGHT call me back. 2 days later no one has called. CITI worse credit card company I have ever dealt with. Give me XXXX, XXXX, my local credit union. But never again CITI.
Product: Mortgage

XX/XX/XXXX purchased home through Countrywide with a negative amortization first and second. They went out of business and Bank of America took over the loan without the option of converting the loan. 
We continually paid $ XXXXmo in mortgage payments ( verifiable on BofA 's letterhead spreadsheet until XXXX ). 12 years = $ XXXX. BofA still foreclosed on our home. 

BofA never took a loss on our home. They sold it 3 times and made a profit each time. 

There are previous complaints filed to the CFPB regarding this after all attempts to prevent foreclosure : Make Home Affordable, Project Sentinel, letters to the former Chiefs of Staff.
Product: Money transfer, virtual currency, or money service

I sent a XXXX to my daughter and she didnt receive the funds, someone else did and would not send my funds back, and my bank said once the XXXX was sent, they couldnt do anything about it because I sent it to the persons phone number.
Product: Credit reporting or other personal consumer reports

Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. FAIR CREDIT ACT 15 USC 1682 SECTION 603 AND 15 USC 6802 ( b ) ( c ) AND 15 USC 1681C ( a ) ( 5 ) This account is fraudulent. This account all due to Identity Theft. I have never had an account with XXXX XXXX XXXX. Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX : Amount {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

New inquiries on my credit report that was inserted and removed and then reinserted without proper prior written notification XXXX XXXX XXXX XXXX XXXX  XXXX man XXXX on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX de XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX on 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 ok XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsc XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut 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: Student loan

I submitted payment on XX/XX/. After completing there was a message it would take XXXX days. Immediately I received an email with a confirmation number for the payment. This was to pay off my largest loan with the highest interest rate. Ive been checking the account and bank account everyday. Today, XX/XX/XXXX there was a credit reversal on my account. Ive contacted my back and there was NEVER an attempt from Ed Financial to retrieve the funds EVER. Ive made several attempts to call with XXXX hour wait times. Ive left my info for a call back and nothing.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent items on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Money transfer, virtual currency, or money service

Below is a copy of the story ( I've typed it out way too many times, so I created this copy and paste version. ) There is more evidence and transcripts I can provide, it would be too much to include and type out. I'd be happy to walk through everything that happened on the phone too. 
-So I went to transfer {$2900.00} from my Venmo account to my XXXX XXXX  account on XXXX  the XXXX. The transfer never went through for some reason. So I did it again on XXXX  the XXXX. Some glitch happened on Venmo, where it simultaneously sent the money, and yanked it back via an " add funds '' transaction. So the money was effectively missing. I contacted XXXX, they told me it was Venmo. Venmo can't seem to wrap their head around the issue, and keep trying to think I'm confused and thinking that I accidentally used the " add funds '' feature ( which can't be true, otherwise the {$2900.00} would of never left the account ). Anyways, I've been emailing with Venmo trying to figure out where the money is. ( They don't have a phone number listed. So even in a emergency, you can't contact them quickly. That is a major problem for a financial institution. ) I repeatedly told them NOT TO LOCK MY ACCOUNT. Finally on XX/XX/XXXX the money appeared around XXXX in my Venmo account. The 5 hours later, XXXX, I get a email saying they locked my account for suspicious activity. But upon logging into the app, it says it's locked for violating the acceptable usage policy. Which is it? 
Now I have $ XXXX I can't touch ( plus all future money scheduled to be deposited in that account ), all because Venmo is punishing me for daring to get mad say the issue was caused by them/their app. I need my account unlocked IMMEDIATELY! I have to pay my rent, it's over due. I literally told them at least 6 times, not to lock my account. This is very unacceptable to block MY MONEY from ME!!!! I'm literally crying now because of all this. It's like a bad dream. My money dissappear, while I have debts to pay, it finally shows back up, and before I can pay my bills Venmo locks my account up. I will be closing my account as soon as reasonably possible possible. But my payroll checks get deposited in my Venmo account. So now I can't even get paid from my job. Unlock my account now!!!!! ( this is all after a whole different issue I had with Venmo. So I think they are punishing me. Which is very illegal. I have transctipts/evidence of everything in my claim. ) '' I think they are retaliating against me for " yelling '' ( typing in uppercase ) and getting mad at them for my money dissappearing. Which I think anyone would be mad and emotional in that situation, having all their money taken/locked from them. They literally locked my account at the exact moment to inflict maximum damage. The locked it right as the account had the ( almost ) the most money it has ever had in it ( $ XXXX ).
Product: Credit card

American Express contacted my family members, with whom I do NOT live, about an overdue credit card balance.
Product: Money transfer, virtual currency, or money service

I was sent money to my Paypal account on XX/XX/2021, unfortunately I was unable to withdraw it as the money never reflected in my account. Moreso I received an email from Paypal that my account was temporarily limited and was asked to upload my national identity photo a thing which I did. Instead of my account being restored after following all their rules, a message popped in indicating that it has been held for 180 days.. I have tried reaching PayPal support team in vain, they still stick to their decision without considering how they have inconvenienced me.
Product: Debt collection

On XX/XX/2023 an uncollected debt was reported to the credit bureaus by National Recovery Agency in the amount of {$360.00} owed to Housing Authority of XXXX XXXX XXXX XXXX. A few months back, I received a letter from the Authority asking me to pay {$360.00} and I requested back by a certified mail to explain the debt. However, I never received a response back until I saw this same amount being reported to the credit bureaus. I have rental properties in the county and I have done business with the Housing Authority in the past. However, I was in the receiving end and not paid anything to the Authority before.

I called National Recovery Agency about a month ago to explain the debt and they sent me years of files of my rental payment from the Housing Authority but, didn't indicate how the {$360.00} became a debt. As soon as I received the file, I called the recovery agency again and the response I received is that what we got from the Housing Authority and couldn't help me further. I asked the agency to remove this reporting from my credit report until this issue is resolved but, they refused.
Product: Credit reporting or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and LATE CLOSED account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$510000.00} XXXX XXXX XXXX XXXX {$13000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit card or prepaid card

I am writing this here with XXXX XXXX XXXX on his behalf. XXXX XXXX was recently released from a period of incarceration. Early in his incarceration, he sent a letter to NetSpend dated XX/XX/XXXX alerting the company that his debit card was released to a third party with the rest of his belongings and asked for the card to be blocked, as it was compromised. In a letter dated XX/XX/XXXX, NetSpend told XXXX XXXX that his request had been received and that his card was blocked until such a time as he reinstated the account. XXXX XXXX did not grant any person a Power of Attorney to interact with NetSpend and reactivate the card. 

Upon XXXX XXXX XXXX, he attempted to reinstate his card and access the funds. The day after his release, XX/XX/XXXX, XXXX XXXX became aware of {$5000.00} in charges made between XX/XX/XXXX and early XXXX of XXXX. 

Furthermore, NetSpend has confirmed XXXX XXXX had {$5600.00} after the fraudulent charges had been deducted from XXXX XXXX account and has told him several times a check has been distributed to his address. However, when the check does not arrive, XXXX XXXX contacts NetSpend again and they tell him no check was ever sent. They have been holding that they need proof of residency in the form of a utility bill. XXXX XXXX is recently released from prison and does not have an address of his own where he pays utilities in his name. He has provided letters from the SSA, from our office at Legal Services, and from his other bank stating his current address at a friend 's house and our office at Legal Services has offered to receive the check and/or send in a notarized statement from XXXX XXXX authorizing that, but NetSpend will not disburse the check without a utility bill despite offers of many other alternatives and will not release their policy about proof of residency -- which seems patently unreasonable given the number of underbanked clients they have and clients in similar situations without utilities in their own names. 

NetSpend will not allow XXXX XXXX to authorize me to talk to them on his behalf and will not allow XXXX XXXX to talk to them with me on speakerphone in the same room despite XXXX XXXX 's express desire his attorney be aware of NetSpend 's position. XXXX XXXX and I have called NetSpend diligently, including 5 hours on Thursday, and we are repeatedly hung up on or placed on hold until the line disconnects. There is no person we have been able to speak to who is authorized to solve the problem, and NetSpend has said they will contact corporate to reach out in the next 48 hours. However, corporate never reaches out and they can not be contacted directly.