23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I accidentally made an over payment of {$1700.00} to XXXX XXXX using XXXX bill pay using my Fold App debit card managed by XXXX XXXX. 

I called XXXX and they agreed to return the money to me. Rather than reverse the charge it seems they transferred the money in two separate transactions that they said were completed on XX/XX/XXXX. By XX/XX/XXXX, the money had not posted to my debit card account so XXXX told me to start a dispute with my bank for the transaction to get my funds back. 

I started the dispute on XX/XX/XXXX and the bank took over a month to respond. On XX/XX/XXXX they closed the dispute stating : We investigated your claim, and based on the details provided by yourself and the merchant, we determined that no error occurred because no supporting documentation was provided to validate the claim. Therefore, we have denied your claim. 

However they never asked for any additional information and would not respond to my requests for updates for over a month. 

On the same day I responded with additional documentation to prove my case. Fold App told me that they reached out to XXXX XXXX  to reopen my case but as of XX/XX/XXXX, the bank had not responded to the additional information I provided on XX/XX/XXXX. 

XXXX XXXX added what looked like a provisional credit back of the {$1700.00} but it has not reflected in the available balance of the account.
Product: Credit card or prepaid card

Citibank approved me for multiple XXXX XXXX credit cards. I followed all of Citibank 's requirements for receiving bonus miles associated with opening the credit cards. XXXX XXXX bonus miles were deposited into my frequent flier account with no problems. Nothing out of the ordinary. 

Today I receive an email that XXXX XXXX is shutting down my frequent flier account for " exploitative practices ''. Literally the only practice I did was meet bonus requirements on credit cards that Citibank APPROVED me for. 

I don't think it is right that Citibank can offer bonuses and perks to third parties, via their credit cards, only to be shut down by the company for which the bonus was intended. 

Again Citibank APPROVED me for multiple credit cards, with bonus offers for meeting certain requirements. Requirements were met, bonus miles deposited into third party frequent flier account. Frequent flier account terminated today for " exploitative practices '', when all I did was open credit cards that Citibank APPROVED me for. 

Is Citibank offering bonuses to third parties on credit cards, knowing that the consumer will have their relationship with the third party terminated for " exploitative practices ''? Did Citibank KNOWINGLY APPROVE me for credit cards with bonuses that they knew I ultimately would not receive? Why approve me for multiple cards if the third party company does not want me to have multiple cards? What is going on here? 

BAIT AND SWITCH!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary XXXX has applied a fee of {$300.00} to my account, improperly o The fee is improper because I was never notified or informed about the existence of this fee until after it was applied o To the best of my knowledge, I did not consent or otherwise agree to this fee when placing an order for services by XXXX Efforts to dispute the fee directly with XXXX did not resolve the situation Although I paid the bill for services I agreed to receive, I did not pay the outstanding balance pertaining to the disputed amount Despite my dispute efforts, XXXX sent the unpaid balance to collection and reported a negative credit report to all three national credit bureaus The negative credit item caused my credit score to drop by 145 points, and resulted in a denial of credit by a financial services  company I furnished all of the information to the credit bureau, as evidence of an ongoing dispute. The bureau has not removed the negative information from the credit file.
Product: Mortgage

My mortgage was transferred from XXXX to Green Tree servicing in XXXX 2015. I was current with payments to XXXX when it transferred. I have made XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX payments in FULL and On time to Greentree. Unfortunately in XXXX 2015 BEFORE my account went to Greentree, An additional payment was erroneously posted to my account AFTER I paid my regular payment to XXXX. XXXX realized this in XXXX 2015, and requested Greentree to take the erroneous payment out of of my account. Greentree took it out of my monthly payment amount that I had already paid on time and in full instead of taking it out of the Balance of my account. Now, greentree says I own additional money to cover what was taken out!!! I was current with XXXX and am current in my payments to Greetree, but they have charged me late payment fees, etc and no one will correct this error!! This was not my error ... Also just found out that they paid my property taxes late and I got a {$110.00} fee on my tax bill that they are in charge of paying! Help ... I ca n't get any help from Greetree and now that it is changing to XXXX, I am afraid that this will go on forever XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20 I called Chase Business Services to see if there was a way to get my payoff lowered or reduce my payments/interest rate. I was told that it would adversely affect my credit score if I settled on a payoff less then the amount owed. I then asked if there would be any additional charges if I just paid the card off and the answer was no. So on XX/XX/20 the card was paid in full. I then received a bill on XX/XX/20 for {$73.00} as an interest charge on {$0.00}. I called Chase business service about this and they responded that the interest is a month behind. In this way of doing business how would the card ever get paid off? They will continue to charge interest on the interest each month even though the card is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have disputed information on my credit report that I have not provided to any Credit reporting agency. When I disputed this information on my credit report to XXXX, Experian, I was told by both agencies that their information is accurate and was validated by the Federal Bankruptcy Court house Salt lake Utah provided them with my personal information and I would need to contact the courts. Which I so happened to do so and received a letter stating no such information was given. XXXX, Experian both lied. This information was added to my Credit Report without my Knowledge or Consent! in my letter I'm directed to contact the Attorney General, FTC. I request that XXXX, Experian either provide documents they have legal rights to add this to my credit report or delete this file. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] you need to remove the follow accounts : XXXX XXXX XXXX XXXX Account number XXXX Account type Unsecured Date opened XX/XX/XXXX Status Petition foXXXX XXXX  XXXX Bankruptcy. 
Status updated XX/XX/XXXX XXXX  XXXX bankruptcy petition Date filed XX/XX/XXXX Date resolved - Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XXXX XXXX Further, Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.
Product: Credit card or prepaid card

Barclays XXXX continuously kept asking private information that a person who would commit fraud is my reasoning for changing my address I called in and automatically says being transferred to manager then I'm not then I've been transferred to another person asking same but personal different questions. It doesn't seem right. 
XXXX was trying transferee to Eventually and asked another question that would automatically give purpose of fraudulent acts. I've never been asked for my social, email, birthday, mothers maiden name and phone number just to change my address and I asked XXXX this was a secured line nobody answered yes it is. Then I hear some giggles in the background. What are my steps here to not have fraud take over on my phone?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of trans union credit inquirie issue
Product: Vehicle loan or lease

My interest rate is extremely high, they wont let me refinance or offer me any options and Im struggling to make the payments and my balance is twice the value of the car
Product: Credit reporting or other personal consumer reports

I initiated disputes with XXXX, Equifax, and XXXX regarding inaccuracies in my credit report. In these disputes, I provided details of the accounts in question and highlighted the violations they were committing by reporting inaccurate information. Despite this, it has been more than 30 days since I raised these disputes, and none of the credit bureaus have responded. Below, I am attaching copies of all the letters I sent. 

This company has persistently neglected to validate the collection account, thereby continuing to violate the Fair Debt Collection Practices Act ( FDCPA ) Section 809b, as per the opinion of the Federal Trade Commission ( FTC ).
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach XXXX XXXX. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval. 

They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and I could not apply for financing without doing their own in-house loan application paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. 

I told them I only wanted XXXX inquiry on my credit record and they promised me that there would only be a single hard inquiry. 

As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. 

They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around. This resulted in XXXX additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as Wells Fargo Auto finance ( we never discussed ) or XXXX  XXXX XXXX XXXX also never discussed ). 

I now have multiple hard inquiries on my report which I did not authorize. 

The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use XXXX.
Product: Student loan

servicer will not validate the loan and will not remove it, servicer is promoting libel and false information damaging me regarding business dealings of which i have no knowledge or consent
Product: Debt collection

Balance owed : {$2000.00} Company : Plaza Services LLC XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XXXX  the Privacy Act of XXXX, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is inaccurate info on my credit report by a third party company that goes around buying peoples debt from apartment complexes. They are called XXXX XXXX XXXX. they are trying to collect XXXX and increasing this inaccurate debt every month. I have a document showing that I only owed XXXX and a receipt showing its paid in full. I submitted this to TransUnion and a week later hired a credit repair company to do the same. I told the agency in addition to the certified mail that I personally sent with those documents to TransUnion the reason for my dispute which is that this acct has been paid in full. I never disputed the accuracy of the account meaning that it did not belong to me. I waited 45 days and was sent a email stating they had completed my dispute. I call TransUnion and they tell me that everything is accurate and nothing is being deleted. I asked how that could be when there was supporting evidence to show. The agent told me that they only investigated the accuracy of ownership meaning they only verified it was my name and date of birth ( ownership ) was his exact words. I said thats not what the dispute was about obviously I sent in documents to show the issue. He said well you will have to file another dispute and it will be 45 days. I had more than one dispute and the agent at TransUnion said all of the disputes were only investigated for ownership. I said that is not what was asked of them to investigate.This account has not only ruined my credit but I can not get a place to live because of having it on there. I have provided the info and in addition to myself the credit repair company sent electronically the dispute with the details of how this amount is paid in full. They are only investigating ownership when I disputed the inaccurate info so they are going to not only ignore the dispute info and not do their job but they are going to continue reporting inaccurate info on me. I caught them in a bold face lie and if they are doing it to me how is anyone ever going to know if they are not doing it to millions of other people. The options for dispute are ownership, paid in full, never late etc why offer options if they only going to check one thing only and keep on reporting lies. Who holds them accountable and why are they not made to supply proof of what they fo in the dispute? This is illegal and disgusting and I want these people held accountable in addition to removing the lies off of my credit report that I proved are lies.I want this to be investigated
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed fraudulent accounts and inquires : XXXX XXXX - XXXX XXXX - XXXX XXXX - {$370.00} XXXX XXXX - XX/XX/year>XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX contacted my father regarding this debt.
Product: Mortgage

Did a refinance but the payoff was incorrect. Attempting to solve the problem, it went past the late payment date, normal. The amount the late fee they are trying to charge is {$52.00} on the Unpaid Principal Balance of XXXX. After citing guidelines, they have refused to adjust the payment to the correct percentage of the unpaid PITI.
Product: Vehicle loan or lease

I purchased a car from XXXX Florida with XXXX XXXX. They offered me a XXXX  XXXX XXXX for XXXX with a XXXX down payment, and I had to sign a contract with credit acceptance. I didnt get to see my paperwork because they uploaded it on a thumb drive and told me everything I sign will be on the thumb drive. 1 year later Im stuck trying to catch up on payment thinking the car would be XXXX because I put XXXX down. I looked at my paper work and realized the car that I have was sign for XXXX. Im a mom of 4 children I have no other choice but to try and struggle to pay my car loan or be without transportation! How can they jack my price that high and Cause me to go into debt? I had my car repossessed had to pay XXXX dollars I end of paying XXXX XXXX before the repossessed it told me that it doesnt go towards the XXXX XXXX to get it pay! I need help Im stuck with a car and going down in debt
Product: Mortgage

My mortgage company double paid my property taxes. Have been waiting for months for the second round of payments to be refunded back into my escrow account but they have not yet been refunded. During all of this, Ive also received letters from the school district saying that they havent even received their tax payment and that my taxes are now overdue.. title company has not done anything or made any efforts to fix this issue. School district is now sending me letters saying that I owe {$3600.00} to them ( originally {$3000.00} ).
Product: Debt collection

On XXXX XXXX, my Chapter XXXX Bankruptcy was discharged without protest. This debt, AFNI, for a XXXX bill, was certainly included. AFNI refuses to close and take this account off of Reporting agencies. I have complained to XXXX, XXXX, and XXXX to take this account off of their listings. They have all refused, and this is the only one remaining derogatory report ( other than bankruptcy ) on all my reports. Not only should it be closed and removed, but the reporting agencies list it as " open ''! I had XXXX pages of creditors. All of them honored the discharged and removed their listings from the agencies like XXXX. This is the only lone creditor account that refuses not only to close the account, but also to remove it. They even list the account as having a {$0.00} balance! Still, they mark the collection as " open '', when the account was reported as being opened in XXXX, XXXX. The actual open date was a couple of years before that. All of these dates surely fell before the filing of my Ch XXXX Bankruptcy in XXXX, XXXX and discharged in XXXX XXXX. Just the fact that this creditor is listed on my report- and especially " open '' is hurting my credit score. I have worked hard to rebuild my credit in 2.5 years, and have been successful. This derogatory mark from this company ( that by law, I was entitled to have discharged ; they did n't even dispute it! ) is sticking out like a sore thumb on my credit report. I have rebuilt my credit very well, but have been turned down for credit due specifically to this " open '' collection account- that is n't even valid! This is a terrible thing to deal with after all the work I 've done to rebuild my credit ; especially since I have done extensive work in disputing this entry to the individual credit reporting agencies themselves! And then, the agencies not removing the entry! Please help me get this last awful derogatory remark- that I am entitled to under the bankruptcy provision- off of my record. 
Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX  ( Block , Inc. ) due to inadequate 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 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.