23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/21 Google XXXX took {$200.00} worth of charges without my authorization, off my debit XXXX. Now my account only has a balance of XXXX. I've reached out to Google. 
I'm very upset, I can't get through to the XXXX numbers provided online. I've even tried to download a dispute form from offline. This was to no avail. 
Please help me get my unauthorized charges credited back to my XXXX. 

Thank you,
Product: Money transfer, virtual currency, or money service

I am having an issue with being approved to send and receive maximum transfers from using my bank or credit union debit card using my Pay Pal account on the Pay Pal app, which I have a Pay Pal account and Pal Pay XXXX debit card : XXXX. I want to send and receive maximum transfers using my bank or credit union debit card using my Pay Pal account on the XXXX XXXX app. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 

XXXX XXXX Last XXXX XX/XX/XXXX {$320.00} Reported balance XXXX XXXX XXXX  Last reported XX/XX/XXXX {$5900.00} Reported balance XXXX XXXX XXXX Reported : XXXX XXXX, XXXX DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$1500.00} In good standing DEPT OF EDXXXX Reported XXXX XXXX XXXX, XXXX - {$3500.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$1700.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$170.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$2200.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$4700.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$33000.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing DEPT OF ED/XXXX Reported : XXXX XXXX, XXXX - {$2600.00} In good standing XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$0.00} Closed
Product: Checking or savings account

On XX/XX/2022 a deposit was made of XXXX dollars into my current online banking account a deposit of which I did not send. On XXXX XXXX my current online bank took XXXX dollars out of my account saying the deposit did not clear after a month. I have reached out to both companies and neither company will offer any help to resolve this issue my account is now in the negatives by a good margin
Product: Student loan

In XX/XX/XXXX, I found out about the Public Service Loan Forgiveness ( PSLF ) program and transferred my direct student loan back to the DOE from XXXX to participate in the program. I was in IDR repayment with the IBR ( income-based repayment ) plan and making payments regularly with direct debit. I am set to reach my 120-payments ( 10 years ) in XX/XX/XXXX. In XX/XX/XXXX, I married which increased my payments. I had topped out in my payments under the IBR due to the increase in my joint income following marriage and was paying {$530.00} a month. I was set to have less than {$1500.00} to forgive at the end of my PSLF repayment period. 

I called FedLoan, my DOE loan servicer, on a matter related to my annual employment certification form and was " advised '' by the FedLoan representative to switch from the IBR plan to the ICR ( income contingent repayment ) plan as I would save {$140.00} a month due to my being married and filing jointly and, thus, would have more to forgive at the end of 120-payments. I was skeptical after my past experience with XXXX and other loan servicers. After discussion with my spouse, I decided to go through the extensive process to switch my repayment plan from IBR to ICR so I would have a bit more balance to forgive. When I received my paperwork from FedLoan, my payments had increased {$160.00} a month instead of decreasing {$140.00} per month -- the direct opposite of what FedLoan had promised. Now it is likely I will have no balance to forgive. 

When I called to complain, I was told there was nothing to be done and a supervisor I spoke to all but admitted I was purposefully mislead so I would have nothing to discharged under the PSLF program. I expected such deception from XXXX, who failed to inform me that there even was such a program for 3-years until I heard about it in a new article, but it is demoralizing and infuriating that DOE would allow and perhaps encourage FedLoan to mistreat borrowers who have sacrificed to work in public service so egregiously.
Product: Credit reporting or other personal consumer reports

My data was a victim or a data breach, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute accounts on my credit report that were fraudulently opened without my knowledge or consent. I believe I am a victim of identity theft, as these accounts do not belong to me, and I have never authorized them. I request that these fraudulent accounts be investigated, removed from my credit report, and any associated negative information be corrected immediately. Please let me know if additional documentation or information is required to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have been working with Bank Of America since 2010, first trying to get a XXXX Loan Modification for my mortgage, then, most recently, trying to complete a Short Sale. I was denied a XXXX Loan Modification because the Bank claimed that my so-called " Back End Debt to Income Ratio '' was over 55 %. This was patently false, and I calculated that Ratio to be 32.01 %, well under the 55 % threshold. But the Bank would n't listen. Years later, they insisted that I now do a Short Sale on my house. Well, I have a buyer, and BOA accepted the buyer 's bid, but now XXXX is blocking the Short Sale, insisting on full foreclosure proceedings. XXXX Case Number XXXX.
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. 

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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 : no consumer reporting agency may make any consumer report containing any of the following items of information 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.
Product: Credit card

I was XXXX  for most of 2023, beginning the end of XXXX. When I came home all my bills were overdue, so my sister contact the companies to advise them of my situation and to see what she could do. Hardship payment arrangements were made and auto payments were set up in XX/XX/year>, with the exception of Lowes/Synchrony Bank . The rep refused to assist in providing help with making payments. He said that the account was being turned over to dispute, so he could not offer any assistance.However, that same day, J.C. Penny's/Synchrony account, also turning over to dispute was handled that same day. 

XXXX of the accounts, XXXX XXXX XXXX, initiated a hardship repayment plan; took out the initial funds, but did not credit the rest. When inquiring as to why the auto payments were not being taken out as authorized, the rep claims that auto payments are not allowed for hardship payments, so we turned the account over to collections. When providing the transaction confirmation number, the rep wanted to speak to his supervisor first, so we asked if we could just speak with her directly. He said he asked her, but she fussed to talk to us. 

Both account, XXXX and Lowes/Synchrony Bank have been turned over to collections ; not because I was not willing to make arrangements or payments, but because the reps refused to assist.
Product: Debt collection

In XXXX of 2016 I signed up for XXXX XXXX internet and phone service. Over the course of the next several months the services would constantly come and go. On 3 occasions XXXX sent service techs to our house to try and remedy the problems. After doing so, they would work intermittently and stop working for periods of time. My wife and I rely on dependable internet service to do our jobs and so after 40+ hours of lost time working and several other hours speaking with XXXX representatives we decided to cancel the service and get something more dependable. I called and cancelled my service with XXXX and told them I would no longer pay them for the service they were NOT able to provide, in doing so they also tried to tack on an early cancellation fee which I also refused to pay since they could n't provide the service. At this point, XXXX was attempting to collect a {$90.00} for service and plus another {$90.00} for an early cancelation fee. After sending them a letter stating all this, they sent it on to a 3rd party collection agency to try and collect. I relayed this 3rd party that I was disputing this debt they say I owed due to the reasons listed above and I did not hear from them again. Now, another 3rd party collection agency is once again trying to collect this debt now totalling {$250.00}, and they have gotten far more aggressive. Today alone, I have 5 incoming calls from Southwest Credit. To sum it up, I would be happy to pay for service provided but I refuse to pay for service I did n't get and ulitmetely cost me money for lost work and I definitely refuse to pay a cancellation fee for cancelling service that did n't work.
Product: Credit card or prepaid card

I am writing in regarding to my XXXX " XXXX '' XXXX XXXX, account ending XXXX. I have been getting your annoying statements every month and each month the price keeps on increasing the amount due. I have closed the account and I no longer have an interest in your XXXX  card. I felt that they want to aggravate people by not waiving the fees. I have paid all the charges on my account. They claimed that the mount was paid got returned back to my bank and it was out of their control. So they charged me doubled to the amount I owed. Instead of waiving the fee as a customer courtesy since I did attempt to pay the amount. After writing them letters and calling them to waive my fees and remove the charges, they denied them. They kept on saying it was out of their control. They are not willing to make any efforts whatsoever. They never show me the bank withdrawn the mount or prove to me that the amount was withdrawn by the bank. According to my bank statement, the mount was sent as shown attached. They ceased my account on purpose so the amount in the account will accrue without me knowing. I am so stressed out when I see their bill every month. It started at {$24.00}, now it mounts to over {$150.00}. This company must be desperate for money. They ignore all my requests and I am their victim. Please call me at XXXX. I believe XXXX XXXX XXXX XXXX is FRAUD! They are cheating their customers by charging extra nominal fees, and neglect to waive any fees. Please help to resolve my issue.
Product: Credit card or prepaid card

On XX/XX/2019 my Wells Fargo credit card billing cycle restarts. 

I checked my account on my mobile app, it listed my available credit at {$5.00} I know that when my next billing cycle begins, the interest charges are applied soon after, but they had not been posted on my account yet. 

So, acting in good faith, I make a deposit on XX/XX/2019 and I use the money I deposited to my Wells Fargo checking account to make a {$50.00} payment to the Wells Fargo credit card account mentioned earlier. 

No problem yet, the app accepts the payment and then lists my available credit at {$55.00}. This was all on XX/XX/2019. Interest charges had still not been posted and I thought my account would be protected from going over the limit. 

I wake up this morning, check my credit card account and Wells Fargo has slipped in the interest charges in the amount of {$41.00}. This put my card over the limit and it did not consider my {$50.00} payment made on the same day! 

Keep in mind that on my end I did not see these interest charges posted on my account and I thought I was acting in good faith to prevent this situation. This will hurt my credit score. It also affects my minimum payment because since it listed the interest charges as posting BEFORE that {$50.00} payment I made, it is considering my card as if it went over the limit and I had made the payment afterwards. 

But, you can see on my end that the opposite is what I expected to happen. I made a payment BEFORE the interest had posted. My available credit was listed as higher than the interest charge I just received, yet my account is listed as over-the-limit and demanding payment. 

I contacted Wells Fargo and was passed around ( as usual ) between customer service reps who obfuscated and ever turn and were not very nice or helpful. This is not the first time Wells Fargo customer service has seemed to not only not be interested in helping or working with me, they also make me feel like its always my fault. I feel taken advantage of and Im fed up. 

I do not have a lot of money. For me to act in good faith, make a payment before the interest posted and then have the interest duck under that payment puts me in the situation that I was trying to avoid. To make it worse, I have to waste my time ( potential time which I could be earning money to help pay down this credit card ) and literally FIGHT with customer service to even understand where I am coming from and they have crushed my spirit. Please help, I feel powerless to stop them or get them to work with me. Ive tried.
Product: Debt collection

Pressler, Felt & Warshaw levied my bank account without me knowing or giving me an opportunity to pay these funds. I did my research and see that this debt is from 2003 which is past the statute of limitations. Supposedly this debt was being paid already when I worked at XXXX and now all of a sudden they just take my money from my account without any forewarning? How is this fair and even ethical? Docket number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In XXXX on 2022 XXXX XXXX  reported to TRANSUNION, XXXX AND XXXX that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX  has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.
Product: Checking or savings account

Claim XXXX I am requesting this claim be opened back up and I be issued a temporary credit again The company has received the items and is refusing to refund me I have proof of the items being sent back with the return label they provided they say they will not issue a refund for what ever reason this is theft I'll attach the XXXX  label I used to send the Items back Return information-XXXX  Shipping company -XXXX  Order number XXXX and order number XXXX For order number XXXX the company was paid a XXXX  claim for a loss package and are still refusing refund Return tracking number XXXX Shipping company XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE ACCT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have reported this to Experian several times and they wont remove the following items XXXX XXXX and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.