23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private XXXX loan was sold for pennies on the dollar to a predatory collection agency named Capital Management Services operating out of XXXX, NY. My mom co-signed this loan, which has a balance of XXXX back in XXXX or XXXX. 

My mom received a call on XXXX XXXX XXXX, XXXX asking for personal information and money. She called me and I called this predatory agency back on the same day around XXXX XXXX. 

The woman I spoke with was very intimidating ( I 'm sure they are trained in bullying consumers XXXX. I was told I had XXXX options to pay this loan or they would go after my XXXX year old mother and did I want that to happen? By the way, I was never told what the XXXX payment option was. 

To make matters worse, I am having financial difficulties, which I explained to the bully on the phone. I said I could make a {$25.00} payment on XXXX XXXX to prove I was interested in settling this debt. The remaining payments had to be approved by a manager and I was put on hold. I doubt there was any manager approving anything because I never spoke to the supposed manager. REMEMBER-they bought this loan for PENNIES on the dollar, they are a FOR PROFIT collection agency. The girl came back on and said her 'manager ' approved XXXX payments of {$400.00} to settle the debt. I ca n't afford that. I said I could n't afford that much. Again, my MOTHER was brought into the conversation and how she could pay half and WE could call her and explain that this needed to be paid. Scare tactics and bullying AGAIN. So, I agreed to the arrangement and I ca n't afford it. 
I thought about this arrangement for days and called back on XXXX XXXX XXXX, XXXX to speak with someone who may understand my situation. I thought I could get through to someone who could work with me. I was wrong. 
The XXXX man I spoke with listened and was cordial. He had to transfer me to someone else. I got transferred to another male. I explained my situation and he listened. He then proceeded to bring up my mother. How she should help because she co-signed and how I needed to get money from her. He asked what I made a year and I said about XXXX and after taxes and insurance it was around $ XXXX every XXXX weeks, not a lot for XXXX VA area. He did n't believe me. I offered to send pay stubs. He said it did n't matter. Again, they bought this loan for pennies on the dollar. He offered a XXXX arrangement of almost {$300.00} a month for XXXX months, no settlement if I lower payments. He bullied me again. 
I want you to be aware of their predatory practices and that they use scare tactics to make a profit off of your debt. I would be happy to pay monthly if the payments are reasonable.
Product: Debt collection

I am a Victim of Identity Theft. For months now, I have been trying to repair the damage that my Credit Worthiness has sustained as a result of this violation of my Financial privacy. I 'm at my wick 's end trying to resolve this matter. Some assistance and direction would be greatly appreciated. Thanks.
Product: Credit card or prepaid card

I applied CITI Business AAdvantage platinum select credit card in XXXX. The card was initially declined due to a previous application in XXXX. So I called the customer service and requested a reconsideration. About 3 week later, I received the approved card in XXXX. Then I immediately called in to activate the card and double check with rep about the opening bonus, which is that get XXXX AA mile with spending {$3000.00} in 90 days. However, I was told I am not eligible since I closed the account in XXXX this year, which is against CITI 's policy that applicant wo n't be eligible for the bonus if they open or close the same product within 24 months. But the truth is that I have not had this card for almost three years. I applied this credit card in XXXX and closed around XXXX or XXXX in the same year. Thus I felt confused and also surprising that the system identify I closed this product just in XXXX this year. Technically, who is opening the same card within one month. It is not logical for the applicants. Thus the suspicious reason to lead this issue might happen during the consideration period manually. So I called in a couple time and tried to communicate with the rep and the supervisor. However, they neither can tell me how the account was closed in XXXX XXXX without any card not call indicate what the error to lead the closure. They blame me to request to closed account. Frankly, they should record the conversations I called each time. The easier way to find who requested the closure is to replay the voice record. I know I did not request that since I have not have this card for three years. So they should make a full investigation and give me a convincing result. in the end, I request CITI to honor the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$600.00}
Product: Debt collection

I am buying a home and on my credit bureaus there is a collection for a company named J.H. Portfolio Debt Equities, LLC. I called to clear up this matter and was told it was not being handled by them as they are a buyer of debt not a collection agency and they referred me to XXXX XXXX. XXXX XXXX states they are just a call center that distributes debt collection to various agencies and I needed to contact XXXX XXXX XXXX which I did and settled out this debt on XXXX XXXX, 2016 and was told it will be deleted once updated. I received a letter from XXXX showing it was paid and that there is a zero balance but apparently they do not report to the credit bureaus and they said I needed to contact the original creditor which is J.H. J.H. is being impossible to deal with and refuses to provide accurate information and states that they will not provide me a letter stating it has been settled in full. They are continuing to report this as open with a balance due. I have spent weeks attempting to resolve this and J.H. will not return any messages and told me that they are sorrily with how they are handling this. In the meantime I am losing the house we are trying to buy and my family is going to be homeless in less than 2 weeks. I have begged them to just give me a letter stating that they are not a collection agency and who the agency is because the bureaus will not accept a letter from XXXX because they are not the ones reporting on it.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. 
My account was CLOSED for zero reason an no explanation given. Also i had a total of over XXXX $ from my tax return in there. 
I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member a while with verified account, an then this happens. 

believe when I verified my identity I put the wrong email an it triggered the system. I emailed them all the correct info including a selfie of me, since the first request was to prove my identity, an still nothing.
Product: Debt collection

On XXXX XXXX. XXXX XXXX XXXX XXXX XXXX reported on my credit with a remaining balance of XXXX XXXX I file for dispute threw XXXX I also sent a police report still no Results.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXXXXXX XXXX  account no. XXXX ...... 

XXXXXXXX XXXX XXXX  account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account ( Account Number:XXXX  ) Thank you for your previous response on XX/XX/2022 for the above account, however I am still in disagreement with the results of the investigation into the inaccurate items reporting on my credit file. I have yet to receive any verification or documentation proving that my payment history is being reported accurately, specifically in regard to the late payment. As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to investigate any dispute I bring to your attention and to correct any inaccurate information on my credit report. The FCRA requires that you provide me with the results of your investigation in writing, including a description of the nature and substance of the information received from the original source, and a notation that the information is being disputed. Additionally, under the FCRA, you must provide me with all relevant information used in reaching the conclusion of the investigation, including any documentation or verification from the original source. This is to ensure that I have the opportunity to review the information and determine if it is accurate. Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. I look forward to your prompt resolution of this matter.
Product: Mortgage

Sent in XXXX payment with extra principal payment, instead of applying all the extra payment to the principal they applied some of it to a future payment that was not due and did not reflect the correct amount left on my mortgage balance, essentially leaving my payment in limbo to be used however Wells Fargo would like to do with the funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account and me vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act and regulation E. These actions have caused very significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to request that the Consumer Financial Protection Bureau ( CFPB ) remove fraudulent accounts from my Experian and XXXX credit XXXX. These accounts were opened without my knowledge or consent, and have had a severely negative impact on my credit score and overall financial standing. 

The fraudulent accounts in question are as follows : XXXX, opened on XX/XX/XXXX with a balance of {$710.00}, XXXX XXXX, opened on XX/XX/XXXX with a balance of {$3300.00}, and XXXX, XXXX on XX/XX/XXXX with a balance of {$0.00}. I have never had any accounts with these institutions, and did not authorize anyone to open them on my behalf. 

As a victim of identity theft and fraud, I have taken all necessary steps to rectify the situation, including contacting the Federal Trade Commission ( FTC ), and placing a fraud alert on my credit reports. Despite my efforts, these fraudulent accounts continue to appear on my credit reports, and have caused significant harm to my credit score and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit reports. I am requesting that the CFPB take immediate action to remove these fraudulent accounts from my Experian and XXXX credit reports, and to ensure that they do not reappear in the future. 

I appreciate your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I went to a XXXX store. I spent roughly {$30.00}. I have my receipt showing the expense. When I checked my account the following morning there was an additional charge for roughly {$690.00}. I did not make this purchase. I filed a claim with Wells Fargo but my claim has not been investigated. I have not heard from anyone in over a week.
Product: Checking or savings account

I contracted XXXX on XX/XX/XXXX. I was severely sick for a year. Unauthorized charges to my account began to occur XX/XX/XXXX which I was medically unable to discover as I was unable to go through my finances. These charges total {$29000.00} from XX/XX/XXXX until XX/XX/XXXX with companies I have no account with such as XXXX and XXXX Eats. Charges were made in different states on the same day and being a Citi Gold customer I was advised my account had protections from such fraud. The bank has returned {$14000.00} but says because I did not report the theft sooner the balance of funds stolen from my account will not be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX {$1900.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX RESORTS : XXXX, Account name : XXXX XXXX SERVICES : Account XXXX, Account name : XXXX XXXXXXXX : Account : XXXX, Account name : XXXX XXXX  : XXXX, Account name : XXXX XXXX XXXX  : 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 15 U.S.C 1681c. ( a ) ( 5 ) section States, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802, I did not receive the required opt-out notice at the time I created the account that is being reported
Product: Checking or savings account

On approximately XX/XX/2022, I learned that XXXX checks from my company XXXX XXXX XXXX XXXX XXXX XXXX, in the amounts of {$9300.00} ( XXXX # XXXX ) and {$1100.00} ( XXXX # XXXX ) had been cashed from my business account, but the names of the payees had been changed from the payees I wrote the checks to ( and in the case of XXXX # XXXX the amount had been changed to {$2500.00} from the original amount of {$1100.00} ). I filed a fraud claim with Truist Bank. They told me that my cash could be tied up for XXXX days while they investigated the claim. This has put a serious cash flow hardship on my small business for an error that was made on the bank 's part. I am complaining about the policy of Truist Bank holding on to my company 's cash for a long period of time when the error was made was on its part. After complaining to my local Truist branch for over a month and having them contact the bank 's fraud department, I finally called the fraud department myself and was told that the paperwork was incomplete. No one had ever told me about any paper work to be completed. I completed and filed the paperwork immediately. I called the Truist Fraud Department today and was told that the investigation could take up to XXXX days, now XXXX days longer than I was told initially. I simply do not understand how Truist can hold up my company 's money for an error that it made, putting my business at risk. XXXX 's motto is " We've Got Your Back. '' In my case Truist is stabbing my company in the back. The bank just clings to its stance, saying " this is the bank 's policy. '' It is a poor one.
Product: Credit reporting or other personal consumer reports

Ive recently reached out Transunion to let them know Im a victim of identity theft nothing was done.
Product: Bank account or service

Hello I contacted USBank and gave them the info that you have provided on my XXXX record. They could not find the account information. Please help Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased concert tickets on XX/XX/XXXX from XXXX for {$300.00} and the concert was postponed due to the artist getting COVID. The concert was scheduled for XXXX XXXX originally and XXXX told us it would be rescheduled. Its now XXXX of XXXX and there has been no new concert scheduled. XXXX states they have no idea of the rescheduling date, and will not give a refund. The bank will not process a refund saying that XXXX will not allow it, however the people whom I was going to the concert with already got their money back. 

The bottom line when it comes to XXXX is that I did not receive the service I requested by the date it was promised and I still have not received the agreed upon service which was to see the OJays. As far as Chase is concerned, this is a violation of the Fair Credit Reporting Act as Chase gives 120 days from date of purchase to dispute a good or service NOT received as a chargeback. 

In general its a bunch of companies taking advantage of the people they are supposed to be serving and that keep them in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX/Dept. of ED, XXXX XXXX and Credence Resource Management has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXXDept. of ED : 1. {$3900.00} ( XX/XX/XXXX ) 2. {$3300.00} ( XX/XX/XXXX ) 3. {$5000.00} ( XX/XX/XXXX ) 4. {$3100.00} ( XX/XX/XXXX ) 5. {$2500.00} ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. {$6800.00} ( XX/XX/XXXX ) 8. {$5100.00} ( XX/XX/XXXX ) 9. {$1200.00} ( XX/XX/XXXX ) 10. {$3900.00} ( XX/XX/XXXX ) 11. {$3000.00} ( XX/XX/XXXX ) XXXX XXXX : 1. {$2800.00} ( XX/XX/XXXX ) Credence Resource Mana : 1. {$1000.00} ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

They didn't help me in XXXX weeks my credit score went from XXXX to XXXX I was told to buy more credit services I don't know what's going on this is the XXXX time I called equifax last time it dropped XXXX points now Today it dropped XXXX points and nobody is helping me.i spoke with XXXX no help I even spoke with the supervisor XXXX no help
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account at the end of XXXX and set up direct deposit as required to qualify for the account opening bonus with US Bank. I've been depositing my bi-weekly salary directly into this account, and I've also deposited my federal tax refund here. However, I still have not received the bonus. Since XXXX, I have been inquiring about the status of the bonus, and each time customer service asks me to wait for two weeks. Despite this, I have not received any results.
Product: Credit card

XX/XX/year> I called and asked that every late charge be moved and the XXXX! day be removed. I had dealth in the family. And I just got out the hospital I was told to send a letter and the will do a goodwill deed. 

I truly believe that these late pays doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late [ payment/payments ] on [ XXXX XXXX XXXX XXXX ]. Im fighting a serious XXXX XXXX see attachment. I want you to know that I understand my financial obligations, and if it werent for circumstances that caused me to miss a payment Id have an excellent repayment record. # XXXX XXXX. Thank you for your consideration, and I hope you'll approve my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

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