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

I tried checking my account the date of XX/XX/ to realize the company had locked my account and I needed to call to get it resolved. I had about {$5300.00} and since it was being saved for my XXXX XXXX I was upset and worried about what would happen to that money. I called that same day XXXX  and was told that my account was closed for reasons they could not explain to me and was told that I would receive a letter explaining why in about 7-10 business days. I asked about the funds that were in my account and how I would be able to get it back, representative told me I would get a check around 7-10 business days as well. It has been past that time frame I am extremely disappointed due to the fact that there was no communication whatsoever and I only had this account open for about a month until it was closed for no reason.
Product: Prepaid card

I am trying to transfer money to another account. I have in writing from Netspend that they do nit transfer to other Netspend accounts or to external accounts. They have n't given me any info on how I can transfer money to another account. This seems like the bank is false advertising transferring funds to accounts.
Product: Student loan

Because of losing a XXXX I was unable to work for almost a year. I fell behind on my bills. I filed a chapter XXXX bankruptcy. I paid back everyone I owed % XXXX of what I owed! Three months early. Even my daughter 's student loan that I had signed for. Now two months after my discharged in which I thought I was debt free I get a letter from XXXX XXXX XXXX XXXX stating that I still owe MOHELA money. Apparently even though I was making monthly payments to them through court. they were charging me interest. Now they what that interest to be paid. They are charging me interest on my interest. They said that becuse I fell behind that they could " capitalize '' the interest and turn it into principal. therefor I ca n't even get the tax deduction. When I file my chapter XXXX they submitted a claim to the court for what I owed them. Why did n't they ask for the full amount then. 
it 's like a loan shark. Even after you pay them you will always owe!
Product: Money transfer, virtual currency, or money service

eToro is a cryptocurrency exchange. I have holdings of XRP. There is a pending investigation with the SEC and XXXX hence, eToro notified all holders of XRP to transfer to a wallet or sell all positions by the XXXX of XXXX, 2021 or risk losing all holdings. I attempted to transfer to the eToro Wallet exactly as they instructed and it said the " request could not be executed. '' I have submitted three separate complaints all which have not been responded to. Their website also says to utilize their 24/7 chat services. Every single day the website states the " chat services are not available ''. 
Today the XXXX of XXXX, 2021, I received an email from eToro stating my XRP position was closed for a tremendous loss of currency. I did not initiate nor authorize any such transaction. The email stated that if any error is found, I may call their number. Called their number and " your call can not be completed as dialed. Please check your number and dial again. '' The number is XXXX eToro. I will add supporting documentation. I have records and receipts and printed documented proof of all material.
Product: Debt collection

I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX  XX/XX/XXXX I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law. 
Management support dated XX/XX/XXXX amount XXXX false information on credit report showing past due amount which is inaccurate, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I PRESUME that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I had not knowledge of. I went to the police and filed a police report report and an FTC report as well. I'd like you to help me resolve this issue, Thank you.
Product: Checking or savings account

I have problems with how they manage their time of crediting and charging my account The dates and times are inconsistent, I have paid hundreds of dollars in fees, including overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have disputed a delinquent charge that was originally XXXX XXXX, then XXXX XXXX d/b/a as Pay Pal Credit. I had established an online line of credit in XXXX with XXXX XXXX XXXX, which later became Pay Pal Credit. The line of credit was not a credit card account. I never have a credit card for either bank. From XXXX to XXXX I utilized the line of credit for several purchases that were mostly interest-free as long as the balances were paid in full within usually six months from the date of purchase. When I made the last payment of {$3.00} to Pay Pal Credit on XX/XX/XXXX, I considered it the last payment to close out the account. I did not understand what the {$3.00} represented because I had not, nor would I have charged such a minuscule amount. 
During this same period of time, I also used XXXX XXXX as a transfer agent to shield my online cash purchases that were paid from my XXXX XXXX personal account. This did not involve any credit extensions to me, because they were all cash payments taken from my bank account. I never had a problem with the payment being paid to the merchants ever. 
However, on XX/XX/XXXX, XXXX I was notified by Pay Pal Credit that effective on XX/XX/XXXX, that the lender of my Pay Pal Credit account would become Synchrony Bank. I did not see this as affecting me because I had sufficiently paid my Pay Pal Credit account in full on XX/XX/XXXX, as I stated above. 

That notwithstanding, XXXXSynchrony Banks somehow usurped my online cash XXXX XXXX transfer agency account and charged my closed Pay Pal Credit account in XX/XX/XXXX for 5 separate XXXX  rides totaling {$37.00}. See below as appears on a consolidated statement from Pay Pal Credit : XX/XX/XXXX - {$1.00} paid from my bank account, XX/XX/XXXX - {$7.00} XXXX pending, XX/XX/XXXX - {$7.00} XXXX pending, XX/XX/XXXX - {$6.00} XXXX Ride, XX/XX/XXXX - {$5.00} XXXX pending, XX/XX/XXXX - {$9.00} XXXX pending. 

The XXXX charges were to be paid through the XXXX XXXX transfer  facility that is linked to my XXXX XXXX Bank account. Rather, Synchrony Bank assumed the ownership of XXXX XXXX and proceeded to obscure the two accounts, then adding interest to claim {$190.00}. This amount should have been taken out of my XXXX XXXX XXXX  Account. It was not a charge by me because I had closed my line of credit with Pay Pal Credit. Upon taking ownership of XXXX XXXX, Synchrony Bank confounded 6 XXXX charges of {$37.00}, parlayed it into {$190.00}, then sold that amount to a debt buyer, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX has reported this to credit reporting agencies, which is negatively impacting my credit report. I always pay my obligations on time. This was accounting trickery by Synchrony Bank to garner more profits. 

I believe this was a deliberately fraudulent act because my XXXX XXXX XXXX account was always funded. If there is more documentation necessary, I will be pleased to provide it.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I am writing to formally dispute a collection account that continues to appear on my XXXX credit report. Despite multiple disputes, XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX has failed to provide proper documentation proving that this account belongs to me. The account is marked as verified without any actual validation or evidence supporting its legitimacy, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have no knowledge of this debt, and to date, no supporting documentation has been provided. I am requesting immediate action to remove this unverifiable account from my credit report.
Product: Mortgage

In XXXX 2013 through my realtor, I began the process of seeking short sale approval for my property located in XXXX, FL. The first mortgage lien holder is US Bank Home Mortgage. The second mortgage is held by XXXX XXXX XXXX. I have been co-operating and patiently waiting- as I would much prefer a short sale over foreclosure. I do not have liquid assets available to settle a deficiency balance. After months of waiting US Home Bank approved me for a mortgage modification rather then a short sale. Each time I declined the modification and advised I needed to do a short sale, because I am no longer able to maintain the home. It has been vacant for over 3 years. After additional waiting, US Home Bank would come back with a counter offer- demanding a higher sales price than the buyer had agreed to on the sales contract, in order to complete the short sale. As of now, I have lost all XXXX buyers that had previously been under contract. I am now starting the 4th round of this unending situation, we do not have a new buyer yet. It appears that I am never going to be able to complete the short sale. I have fully co-operated and provided every document and answered every question asked by US Home Bank, then making me wait 9 months to a year, to hear that a higher sales price is being demanded is unreasonable. I need help. I need someone to intercede and for US Home Bank to get the short sale completed within a reasonable amount of time, and to not change the terms of the short sale at the final hour.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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: Debt collection

I received a letter in the mail in regards an account I do not recognize for the amount of {$1100.00} I have asked them multiple times to verify this account by sending me all documents requested, what type of services where given at XXXX XXXX XXXX XXXX please be advised that I do not give any authorization to XXXX XXXX XXXX to release my medical information since its very sensitive information. please be advised that if they cant verify this account it must be removed from my credit report if they report it to the credit bureaus its a violation of the FAIR CREDIT REPORTING ACT. reference number XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed offenders to exploit the system users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about the consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following inquiries ASAP. Thank you. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I make a payment every month. Upon opening my loan it says I don't have to make a payment or give me an amount to pay. I typically pay {$150.00} then. My principle amount has not changed in 5 months. 

I called Sallie Mae and they told me the money goes to accrued interest. I then looked at my account history. It then shows that interest amounts being taken out on the XX/XX/XXXX of every month and then on the XX/XX/XXXX of every month. I asked where this money on the XX/XX/XXXX was coming from. They told me it was from my payment. I then asked what my interest payment for XX/XX/XXXX was and they told me it was {$120.00}. I asked where did the extra {$22.00} go. They told me it goes towards interest. I asked why? If all the payment that was required was {$120.00} why wouldn't the excess go to paying down the principle. 

And why doesn't it show this on my loan payment history? Also why are these payment broken up for the XX/XX/XXXX and XX/XX/XXXX of every month? I then asked why they don't give me a choice of how to apply my payment on their website? Your only choice is to make a payment. Not how it is applied ( interest, fees, principle )!!! 

I also asked if, my loan doesn't require a payment at all, why isn't any amount going to the principle? I kept getting the same answer of how it is accrued interest and no payment is due until school completion. Why do I get penalized for paying a loan that isn't even suppose to get payments? Shouldn't any early monies be applied to principle so the interest is decreased? How is it legal for them to divide my money/payment on various dates without my approval or paying me interest on my money? How is it legal for them to hold onto money for the next accrued payment and not applying the surplus funds to principle? How is it possible that they don't show this on my loan history? And if they do, how is it I'm not seeing it? How is it possible that they don't offer me the option of paying extra principle/principle after the interest portion is paid?
Product: Debt collection

the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report 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: Debt collection

On XX/XX/24 I was contacted by this company stating that I owe a debt to another company and if I didn't pay they would take my home or put out a warrant for my arrest so I agreed but then p & b capital group refused to take the funds from my checking account but only wanted my debit card information and I don't feel comfortable with giving out that information so now I am afraid they will take my home or send police to arrest me
Product: Mortgage

I went into 5/3 bank on XX/XX/24 and got the payoff amount of my heloc. I gave them cash and got a receipt. They were supposed to close the loan. Paid in full. The loan shows open and still owing. I have called and gone into the bank and they can not figure whats wrong. They do not call back and keep me up to date on fixing problem.
Product: Money transfer, virtual currency, or money service

I transferred several thousand dollars from my personal savings account at XXXX to my personal savings account at CIT Bank. CIT would not allow me to access my funds after their 5-day holding period because they claimed the 5 business days started the day after the transfer, and they counted Veteran 's Day as a non-business day. Though CIT is open on Saturday, Saturday is also a non-business day. 

I called CIT and spoke to a second-level customer service agent. I explained why I needed the money ( to buy a house ) and asked if the money was with CIT now. The transfer had cleared, and there were no issues with the transfer. I have never had an overdraw or other negative event with the bank, I have a high credit score, and the funds transfer was domestic. There was no reason they could not allow me to access the money, they just wouldn't. 

I also asked where their business days were posted, and where their policy of starting the hold the day after the transfer was posted. They told me the policy is not posted, and their business days are not posted.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX {$0.00} XXXX XXXX Balance {$2400.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX Balance {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.
Product: Credit reporting

I had outstanding state taxes due to the Georgia XXXX I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the XXXX. The Equifax credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien XXXX stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Equifax Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.