23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Macy 's credit card always paid in full has a XXXX balance. I get an email for a purchase on XXXX XXXX 2016 for a purchase I made in XXXX NY. Knowing I have never been to XXXX I contact Macy 's, they close the account and open a new one and file an investigation. XXXX XXXX I get a call stating I am late in payment. Macy 's internally has taken past payments and fraudulent charges applied it to new card and then report to credit bureau that i am 30-60 days late in paying as they took my earlier payment from XXXX off of the original account.
Product: Credit card

XX/XX/XXXX CFPB : XX/XX/XXXX, I paid the Full Balance of my XXXX {$230.00}, so I should NOT have been charged Interest on that Payment. But JPMChase did charge me {$5.00} Interest on that Payment, having erroneously recorded the date that I paid as XX/XX/XXXX. I want JPMChase to refund me {$2500.00} and remove all detrimental information that it has placed against me in its reporting to Credit Bureaus. 

Sincerely, XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit card

I am in debt and on XXXX  and XXXX 
I am the sole caretaker of my son and receive no money for child support. 
I advised Synchrony Bank of this and said I wanted to close my accounts. 
On XX/XX/year> the representative advised me that the accounts ( there are 2 ) had already been closed and sent to collections. 
I asked them, why, if the account was closed and sent to collections, were they still charging me for late fees and interest? If its not in house and closed, why are they adding money and growing my balance? Which was only XXXX? Now its over XXXX They are allowed to just GROW my debt?! 
The agent said that I had a lot going on and we should call it a day. 
WHAT? I asked to speak to a supervisor. I was disconnected. 
Not once did I curse or yell. 
Unacceptable theivery
Product: Money transfer, virtual currency, or money service

Hello. I opened an account with PayPal around the middle of 2021 on some recommendations from friends that used the service. I never ended up using the account for a long time. However, I recently wanted to start playing at an online casino and PayPal were advertised as a method for deposits and withdrawals, so I thought I'd see if it worked well. I couldn't initially upload funds to my PayPal account and when I tried to use my bank account with it, it wasn't working. Eventually I had some funds sent to the account and I made my deposit to XXXX XXXX. A registered online casino with the New Jersey XXXX XXXX. The deposit worked great, so I intended to start using my account. This was when I asked my friend, XXXX to transfer me some money over the weekend. He transferred me {$6000.00} but instead of the money arriving in the account, the transfer was placed on hold and I immediately started receiving emails from PayPal congratulating me for my first sale. I have never sold anything or accepted payment for any purchases or sales. I thought this was strange. Then, yesterday I received an email at XXXX titled : " We need some information regarding your PayPal account. ( Ref ID XXXX ) ''. This email said that some limitations have been placed on my account and they would like some information from me. I did not have time to respond to this because exactly XXXX minutes later at XXXX I received another email titled : " You can no longer do business with PayPal XXXX Ref ID - XXXX ) ''. This email detailed the fact that my account has been locked and closed and that my money is being held for 180 days. This is ridiculous and surely illegal?! How can they just seize my money? I need your help to get my account unlocked as soon as possible, please.
Product: Debt collection

XXXX XXXX ( XXXX XXXX  ) works closely with northern hills collections. And uses deceptive practices to split your debt into up 3 or 4 different accounts without your knowledge. I had made payments to my account in which I owed XXXX XXXX. Why is my debt split up and owed to different places and offices accounts ect? I was making payments while these other accounts for the same debt were split up and secreting being sent into collections with less then a year or any notification of any amount of debt goin to be sold off or moved to other places. They do this on purpose to confuse to average person like me. So in short northern hills collections would harass me and my family constantly making threats to them and their property in reference to my debt while using the XXXX XXXX police department and courts to back up and bully me and my family. XXXX XXXX also seized one of my vehicles and and then proceeded to make and ad in the paper in a city I do not live in, telling me to pick up my car. Sense XXXX dont live there and count have seen it my car was defaulted to the county. Thats was {$15000.00} car. XXXX XXXX XXXXXXXX Taken stolen for no reason. While the county covered its own tracks, they demand and try to intimate me for more and more money. The criminal charge I received and payed for had fines nowhere close to what was decided on my judgement. I more I pay this county and this company the more they try to harass lie and tell your family and friends false information as well trying to slander you. I would like to press charges and end this harassment and extortion thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had lots of ID THEFT happen to me over the past few years and there are several incorrect accounts and inquires begin reported on my credit report, I have sent in all supporting documents and police reports in order to have these fraud items blocked and or removed. All documents required by the FCRA have been sent in listing all of the following fraud information. The following is fraud. 

1.XXXX  XXXX-XXXX/XXXX  2.XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX 3.XXXX  XXXX  XXXX Inquiry : XX/XX/XXXX 4.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX   Inquiry : XX/XX/XXXX 7.XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX 8.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 9.XXXX Inquiry : XXXX. XXXX, XXXX 10.XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 11.XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 12.XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX 13.XXXX XXXX Inquiry : XXXX XXXX, XXXX 14.XXXX  XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX 15.XXXX  XXXX   XXXX  Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ALL THE LISTED INFO IS RELATED TO THE ON GOING ID THEFT ISSUES XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX and on XX/XX/2020, JPMCB CARD add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Ive reached out to all credit reporting agencies over the course of the past 2 years to be exact in regards to my rights being violated, inaccurate findings, fraudulent findings, and unfortunately they did the bare minimum if that to ever resolve or correct the issues at hand. Ive reached out to them via phone calls, letters, disputes online. Unfortunately transunion, XXXX as well as experian. All are still in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) which states that transactions between the consumer and the person/corporation making the report shall be excluded/ not included. But yet all 3 credit reporting agencies fail to comply with this law. Might I add pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) the reporting of excluded information on a consumer report is a clear violation of Metro 2 compliance. I need the metro 2 compliance disclosures on reporting transactions to a consumer reporting agency. All derogatory and defamation of character transactions that are reporting as collections, inquiries, charge off, or late need to be removed EFFECTIVE IMMEDIATELY! My time is valuable please dont waste it. Please dont send me any stall tactics, or any other verified or validated responses. I didnt ask for you to validate or verify anything. So again, please dont waste my time. Time is money and between the back and forth that Ive gone through with these agencies a lot of time and money have been wasted. Not to mention the damages that these violations have caused. The negative accounts that have Been placed in collections or listed as charged off were done without me receiving a copy of the IRS form 1099-C cancellation of debt. Transunion, XXXX, XXXX and the creditors reporting late payments, Charge offs, or any defamation and derogatory information on my consumer reports are in violation of 26 usc ss 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted within 30 days, I will unfortunately have to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

I provided service to a customer $ XXXX and the service was funded to me for the service through the Cash app in the amount of {$330.00} on XX/XX/2023. The customer then proceeded about XXXX weeks later to request a refund after services were rendered/delivered physically to her. Cash app withdrew the amount from my bank account ending in XXXX on the date of XX/XX/2023, in the amount of {$330.00} without any authorization or explanation for the dispute. I contacted Cash app the same day XX/XX/2023, and advised customer was given all of her services and showed copies of the receipt of delivery. They advised me to contact my bank for further assistance for they could not help me more at the time. I contacted my bank who advised Cashapp and or the customer is the responsible party and I needed to request the funds back from them as well seeing the transaction was done through a third-party institution. I have reached out time and time again with no response from the customer, or Cash app. I am requesting the funds be returned for the services that were provided and delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Consumer Loan

I received a loan for the purchase of my vehicle from XXXX XXXX Bank. I setup an autopay account with that bank. XXXX XXXX sold its auto loan portfolio to BB & T. XXXX mailed me a letter indicating that that it sold my loan to BB & T, which in turn, would be serviced by " XXXX XXXX XXXX XXXX / XXXX. XXXX XXXX / XXXX, Texas XXXX / Phone : XXXX '' XXXX 's letter indicated that BB & T and/or XXXX XXXX would be mailing me a " Welcome Package '' indicating how I could setup autopay. I do not know my account number and can not pay the loan. XXXX XXXX continues to call everyday. I 've asked that they either mail or email me instructions for setting up electronic payments, as I do not feel comfortable handing over this information to someone whose identity I have not been able to verify over the phone. I have not yet received this information, yet BB & T / XXXX XXXX continues to call daily.
Product: Debt collection

I Have received a collection from convergent outsourcing. for a XXXX account. I have never had XXXX. This was already resolved once before with the previous collector. I am trying to purchase a home and this is falsely being put on my Credit report. please remove.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeatedly contacting the company regarding an error on their part Ive gotten nowhere. Their company placed my account in a bankruptcy status which resulted in me not being able to pay my bill or receive statements. I called and called and continuously tried to explain to them that the account was opened after my bankruptcy and traffic their had to be a discrepancy on their end. After receiving horrible customer service and being transferred multiple times they finally heard me out and opened a dispute. They saw that someone on their team dropped the ball by having my account closed and placed in that status. They apologized for the inconvenience and the mistake on their part but due to this i have suffered tremendously. They reported 60-90 day late payment to the credit bureaus and are refusing to fix that! My credit has dropped tremendously because of this. I had never reveived a statement and didnt know i had a bill until i called! Even after calling they couldnt accept a payment from me. Ive been trying to pay since XXXX! I want those derogatory remarks removed from my report along with all of the late payment fees! This is by far the WORST COMPANY IVE EVER DEALT WITH!!!!!!
Product: Money transfer, virtual currency, or money service

I was a victim of an impersonation fraud in which I was led to believe I was speaking to a Bank of America representative attempting to stop criminal action on my account. They copied the standard format of the Bank of America text alerts for fraud and even called me from the XXXX customer support line multiple times so when I went to validate the number it was legitimate, I saw that it was the bank of america number I would have hung up and called. They said the way to cancel and report a charge through XXXX was to note the amount of money they tried to still and tie it to a reference number. Once I completed that I realized that my money was gone. I was scammed out of XXXX dollars. 

I have the call logs that prove that they used the main Bank of America customer support line to make these calls to attempt to make it look like a legitimate employee requesting me to go through steps to save my account. 

Once I've contacted Bank of America. 

I have the text phone number that initially spoofed the Bank of America text and also I have the XXXX account number that took my money. 

Thanks!
Product: Money transfer, virtual currency, or money service

Kraken Support Ticket : ( # XXXX ) # Complaint # I am a customer of Kraken ( www.kraken.com ), a digital asset exchange. ( Note : Kraken ( www.kraken.com ) is a XXXX registered corporation under the name Payward Ventures , Inc., XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ) On XXXX XX/XX/2021, I withdrew XXXX Bitcoin  ( XXXX Withdrawal Ref-ID : XXXX- XXXX ), equivalent to approximately {$4100.00} at the time, directly from my Kraken account to a destination Bitcoin address provided by XXXX , a different digital asset exchange. 

Unfortunately, the transfer to XXXX failed and I was informed by XXXX Support that my Bitcoin was automatically refunded to Kraken. 

When, after a few days, I did not see the refunded Bitcoin appear in my Kraken account, I contacted Kraken Support on XXXX XX/XX/2021. Kraken Support created a ticket ( # XXXX ) and forwarded the matter to a specialist Support team that handles refund issues. 

Over the course of several months, I have exchanged numerous emails with the Kraken Support specialist team trying to resolve case ( # XXXX ) and get my refunded Bitcoin returned to my account. In addition, I have provided all the information that Kraken has requested of me so that this matter could be resolved in a timely manner, including verification from XXXX of the refund as well as the Bitcoin transaction id of the refund, both of which XXXX kindly provided. 

Most recently, I was told that this matter would be escalated a second time to a Support manager who would contact me shortly, however the Support manager never contacted me. 

It is now nearly 3 months and I have heard mostly excuses about the complexity of Krakens internal wallet processes, and received only vague and indefinite information about when and if this matter will ever be resolved, and no assurance that my Bitcoin assets will be returned to my account. 

Over the course of my email exchange with Kraken, I have been told the following at various times : I can confirm it's currently with a batch of other clients returned deposits. We locate & credit these funds in batches. 
Our developers are working on recovering the funds, but this will take some time. 
But even if we decided to recover the funds, we can not make an estimate about when your funds might be recovered. 

This matter is simple and straightforward. Due to a transaction error, funds that I withdrew from Kraken to XXXX were automatically refunded back to me. At Krakens request, I provided verification from XXXX that a refund to me had occurred as well as the Bitcoin transaction id of the refund.

Kraken acknowledges that the refunded Bitcoin was returned to a Kraken wallet and hence Kraken is in possession of my refunded Bitcoin. I respectfully ask this Agency to help me obtain the following from Kraken : 1. A written commitment from Kraken that Kraken will return my refunded Bitcoin to my account 2. A clear timeline and date as to when my refunded Bitcoin will be returned to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text from an unknown phone number ( XXXX ) that had a link attached to it for a fictitious name " XXXX '', I've copied it below. 

Text message read : Equifax alert for XXXX recent account found on your history XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 after attempting to access Equifax credit report on the myEQUIFAX website, the system redirected me to call EQUIFAX at XXXX  ( XXXX ) EQUIFAX with a system error NH EQUIFAX stated that there was no history of me every having any credit or active account and/or history and that the error code NH states internally that there is credit NO HISTORY My entire 22+ year credit profile has gone missing, shortly after filing a complaint with CFPB on XX/XX/2022.
Product: Debt collection

Afni ha s  XXXX  collection items.  XXXX   XXXX   XXXX  a  2012  chargeoff.  XXXX  public records showing on my report that are not on my  XXXX  report please remove them from   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

Midland Credit Management account number XXXX amount XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Under 15 USC 1692C Ceasing communication 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, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
Please remove off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, CXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$14000.00}, XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I deposited a payroll check through my online banking app, The picture ended up being warped so they restricted my bank account until they could verify my check, They werent able to verify my check so they could release the funds. Ive tried over and over to get my check verified even working with my employer But they said theres nothing they can do so they took my money and said The check could bounce in about 3 months or not. My employer couldnt issue me a new check due to the bank already depositing it into my restricted account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using a XXXX XXXX XXXX credit card for over two years now. Since XX/XX/2018, XXXX   XXXX XXXX has been reporting a general remark to the credit agencies that states 'Dispute resolved ; reported by grantor '. 

Due to this remark, my credit score has been badly affected, dropping by close to XXXX points. Upon inquiring with XXXX  XXXX XXXX, I have been confirmed on multiple occasions that there is no dispute on the account and never has been a dispute on the account. However, XXXX XXXX XXXX again reported the same remark to the credit bureaus. 

I have spent hours on the phone and in person with XXXX XXXX XXXX 's personnel and every single person I have spoken to has failed to identify a single issue with my credit card account and have confirmed that there has been no activity that could result in such a remark being reported. 

On a letter dated XX/XX/2018, I was advised by XXXX  XXXX XXXX that they have removed the remark from my credit, however, the same has been reported to credit agencies in XX/XX/2018. 

I am being harassed by XXXX XXXX XXXX and their inefficient employees. Please help.