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

This is the second time in less than a year, during COVID mind you, that Citi has decreased my balance for absolutely no reason, to what I owe on the card, which then makes it appear that I have maxed out a credit card. This has a devastating impact on your credit score when a credit card is above 30 % usage. They did this in XX/XX/2020 and when I filed a complaint, they raised my limit back up to what it was before they reduced it. See previous complaint I filed on XX/XX/2020. The email states it is a decision made by Citi and not by the credit agency. You can see I have a 100 % credit payment history on all my credit, car loan, etc. 

There is no reasonable explanation for this. I got this card after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {$9200.00}. I have not charged anything additional to this card. I kept my credit utilization under 30 %. I have never missed a payment. The credit limit was {$9200.00} and I only owe {$2700.00}, so less then I did in XXXX when they reduced the limit. I have not charged anything additional and am paying it off and feel like Im being punished for being responsible. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis and I have done everything right. Thankfully, I still have my job.The same job I have had 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. You can see that I have paid it down and have charged nothing else. Im doing the responsible thing here. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Back in XX/XX/XXXX, I went through a leasing company to help finance my tires for my car. Payments were to come out XXXX, which was happening, except, XXXX  XX/XX/XXXX, they tried to take the payment early due to it being a " holiday '' on the XXXX. Which XX/XX/XXXX is not a Federal holiday and banks are open. But even so I did not approve for my payment to be taken out on a Thur, when mine and my wifes payments are not to taken out of our account on XXXX. That is when the money is guaranteed to be in our account. 
So Acima, Took out the payment on a Thur. and is now trying to charge us late fees and such, I want to do the early buy out which is XXXX with XXXX payments left as per the contract. 
They want to charge me XXXX because of these fees, which is not right due to their negligence that they tried to take the money when I did not authorize money to be taken out on a XXXX XXXX XXXX I made another payment, so my pay off balance should not be XXXX with XXXX payments left.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be since i never did nothing wrong with my 14 years old account. i have not been able to get help from them for weeks but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to PayPal is XXXX XXXX
Product: Credit card

XXXX XXXX XXXX is charging excessive amounts of late fees and interest, more than half of amount owed in fees and interest even though I stopped using the card more than 6 months ago the amount accumulating is outrageous
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT   XXXX   XXXX   SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS  XXXX / XXXX /   17  (  2 MOTHS AGO ) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND  DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION, LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!   I HAVE ATTACHED THE CREDIT REPORT FROM  XXXX  AND EQUIFAX.  XXXX   XXXX  STATED THAT MY REMAINING BALANCE IS {$710.00}. IF I PAID {$83.00} ON TIME FOR  XXXX  &  XXXX  THE BALANCE IS ABOUT {$660.00}. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!   THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE FROM ALL  XXXX  CREDIT BUREAUS. MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for SSI disability benefits due to all the stress that I had been going through since there is false information being portrayed from accounts that where opened online, funds where deposited elsewhere and not to my personal checking account XXXX is my routing number and XXXX is my account number that is under my real name XXXX XXXX XXXX XXXX XXXX up a fake account in credit karma under a false name and number since they were only capable of writing XXXX XXXX and my ssn number that clearly is not what resembles on my physical SSN card because it has all 4 of my names on it. I believe it was my old roommate who self evicted me and stole my stuff including my lap top and was able to get partial information about me that allowed him to get a enormous amount of credit lines through online websites and I had not gone out of my way ever since my last car loan with XXXX XXXX in the year XXXX because I always make it my goal to use my sensitive information to get car loans or personal loans in person and never online how many of the fraudulent accounts show I did I am positive it is his because when I was getting unemployment benefits and went out of town the bank caught my old roommate removing XXXX $ from that account which they gave me back after they investigated and looked through the video footage of the ATM where he removed the cash from not far from where we used to rent together along with XXXX other people but he was a XXXX  XXXX who owned weapons and threatened me various times of me not waking up because he wanted to XXXX XXXX with his XXXX XXXX  I tried contacting the XXXX XXXX police department but they were of bo help since they said that they don't deal with civil cases and if I wanted something done I had to go to court but other than standing by as I retrieved all my belongings and fit what I could in my XXXX I ended up loosing the court case of getting a restraining order against him because XXXX XXXX believed all the fake witnesses he brought to testify under my name. I do have messages from XXXX XXXX sending me pictures of my stuff in the street and even saying that he tried to look for me at XXXX XXXX XXXX XXXX XXXX california XXXX which is my father 's house that I had not lived in since XXXX so that's how I concluded that he was the culprit as to who opened those fraudulent accounts under my name because he never knew my full name or ever knew where I was staying since I've been homeless for the past XXXX  years because I don't pass credit checks due to all the damage he has caused me in a mental level which I thought was somewhat impossible but once I became a first hand victim of his mental torture I realized that he went to prison for a reason I just never knew for what because he had already self evicted me on his own without being the main man who collected rent. So everything that says XXXX XXXX and his old number XXXX are accounts opened by him not me due to the fact that no contract has my signature or my whole XXXX names.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Syncb account # XXXX opened XX/XX/year> 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason. 

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information supposedly reported by the XXXX XXXX XXXX however, XXXX XXXX contradicts what XXXX assure ( see letter from the court ) XXXX  has acted with negligence. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I requested an investigation of my credit report. I sent a certified return receipt request letter to Experian. I requested that they investigate the creditor XXXX XXXX and XX/XX/XXXX XXXX XXXX. 
I sent letters to these creditors before and got no response. I checked my credit report on Experian today, and these creditors are still reporting false information to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the way Equifax and XXXX XXXX are reporting this account ( XXXX XXXX/XXXX ). This student loan account is an installment account that is being coded as 120 days past due in the scoring algorithm ( I5 ). This is incorrect, please note that the balance is {$0.00} and the past due amount is {$0.00}. How can I be 120 days past due on an account that does not carry a balance? I have disputed this directly to them and they have not changed the coding on this item. It is harming my score and costing me money.
Product: Money transfer, virtual currency, or money service

XX/XX/. Notified PayPal on XX/XX/XXXX that transfer recipient was a fraud/scam and they transferred the {$180.00} anyway
Product: Debt collection

A company claiming to be XXXX XXXX just called me on a local number then when I disconnected the call they called me on an out-of-state number, which is a form of spoofing ( I live in the local XXXX area code in Texas, the second call came in on an XXXX area code which is South Carolina ). The XXXX area code number they tried to spoof me on was listed as XXXX and the South Carolina number was XXXX. In a voicemail message they then said they were going to call my employer. I believe this is not a valid debt collection call and I want these numbers reported.
Product: Checking or savings account

An internal transfer into checking {$2000.00}, transfer out of checking to another bank {$2000.00}, and check {$140.00} all posted to my account on XX/XX/20. The bank ordered the transactions with the credit last, and then debits high to low. This resulted in reversal of external transfer with additional negative repercussions, 2 NSF fees {$58.00} and bounced check. The money was in the account to cover everything that day XX/XX/20. How is this still permitted with CFPB protections?
Product: Credit card or prepaid card

I contacted my bank after I was unable to resolve the billing error with the XXXX XXXX. XXXX XXXX stole XXXX from my card ending in XXXX. I canceled my renewal membership but still to the payment in XX/XX/18. Which was whole day before my renewal date of XX/XX/18 It was also hard to reach someone at XXXX XXXX so I contacted my bank whom I thought would protect my money. I sent an email with no response from the XXXX XXXX. On the recording message about billing issue it says once a payment is process it will not be refunded. So basically I cancel my membership in time but since they took the payment early I can't get a refund. When I disputed the charge with my bank on XX/XX/2018. They said XXXX credit will be issued on the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ' am victim of identity theft and I've send according documentation to the bureaus I've sent an identity theft report for the XXXX-XXXX  account # XXXX date opened XX/XX/XXXX. Their are numerous inaccurate information reporting under my name including a wrong social number. I started the dispute with Equifax XX/XX/XXXX and the dispute took more the 30 days. I didn't get a response from neither the company or Equifax. I called Equifax on XX/XX/XXXX to get the result of the dispute the representative said the dispute took more the 30 days and the creditor didn't respond at all so the account got removed, but he also notified me that the creditor is going to report this in the up coming year. I got in touch with a supervisor I told him that under a federal law the creditor has up to 30 days to investigate, 30 days statutes is reasonable time for re-verification of these entries unless you immediately notify me otherwise. It should be understood that the failure to re-verify these items within 30 days constitutes reason to promptly drop the information from my file according to section 168li ( a ). Equifax Should not allow to re-report this fraudulent account, but Equifax is not doing anything about this.They are damaging my credit, is illegal it is up to {$1000.00} per occurrence.

Also pursuant to 15USC section 168li ( d ) of the Fair Credit Reporting Act, they need to notify me when these items have been deleted. I wasn't notified by Equifax nor the creditor for any kind of a result. According to the provisions of 15 USC section168lj, there should be no charge for this notification.
Product: Money transfer, virtual currency, or money service

My technologically illiterate mother sent me {$400.00} on XX/XX/2019 through PayPal, but incorrectly sent it as " payment for goods and services '' rather than " sending money to friends & family. '' I noticed this and immediately issued a refund. However, PayPal kept their {$12.00} transaction fee and did not refund it according to a new policy that went into effect XXXX of this year, which states that PayPal does not issue refunds for any transaction fees. 

Although PayPal claims to have started notifying account holders of this new policy as early as XX/XX/2019, I never received this notification and their customer support confirmed they did not over the phone on XX/XX/2019. Therefore, I had no way of knowing PayPal had updated their refund policy. 

In summary, PayPal refuses to refund the {$12.00} transaction fee - on a transaction that was made in error and promptly canceled - according to a new policy about which they did not notify me.
Product: Money transfer, virtual currency, or money service

I wired {$3000.00} usd on XX/XX/XXXXto my gdax account. Everything I read on coinbase.com and gdax.com said that wire transfers were credited same day. There was no indication there would be a delay in processing at this time. This was misleading. I do n't remember exactly when but a few days after my wire XXXX says there may be delays in wire processing ( even now XX/XX/XXXX Coinbase.com says they have cleared the back log although they clearly have not ) XX/XX/XXXX Case # XXXX I submit a request to support, I receive a generic computer generated response. This is acceptable for the first 3 days in my opinion. Its been 3 weeks almost to the day, my money has not been credited to my gdax.com account and I have not received any other responses. I am extremely upset about not receiving a response from a real person who could lend some information and help me. This is unacceptable from any business, especially a money transmitter. 

Summary NO Customer Care at all You are rolling the dice with coinbase/gdax hoping that everything goes right I would not recommend this XXXX XXXX or exchange to anyone right now ( browse the XXXX /coinbase, I am far from the only person with this experience )
Product: Mortgage

on XX/XX/XXXX my mortgage servicer paid the county tax bill of {$2500.00}, which resulted in a - {$1200.00} escrow balance. The problem is, per the county auditor site, my tax bill was only {$1300.00}, and, after further research, I discovered that the parcel # that was paid did not belong to me. Since my taxes were not paid on time, I was charged a fee of {$130.00}. During this time. I was looking to refinance my loan to get into a better interest rate by taking advantage of the VA IRRL program. While reviewing the closing documents on my new loan, I noticed that there were delinquent taxes being rolled into my loan, and that is when it was discovered that the wrong parcel was paid. On XX/XX/XXXX, I called Mr Cooper to escalate the issue of the wrong parcel being paid, and advised them that I was in the process of refinancing. They advised me that they will escalate the issue and will get it corrected and, if the loan is paid off, I will get a refund in the mail. They promised to reach out to me in a couple of weeks once resolved. On XX/XX/XXXX I signed my closing documents for the new loan, which had the delinquent tax amount of {$1500.00} being added on the new loan. My loan with Mr. Cooper was paid off on XX/XX/XXXX. On XX/XX/XXXX, I called Mr. Cooper to check on the status of my refund. At that time I was told that everything is still being processed, and there was a case open to look into my tax escalation. I was told to give it a few more days for an update. I called back on XX/XX/XXXX and was told that my case had been closed since my loan was paid off, and the tax department could not do anything on my account. I was transferred to the escalation department and spoke with XXXX, who stepped up and owned the issue and apologized that the case was just closed without correcting the mistake. She attempted to reach out to the county auditor to find out how to start the refund process. She advised me she would follow up with me once she has a response. I followed up with XXXX on XX/XX/XXXX by email, with no response, then I called on XX/XX/XXXX to speak with her, but she was unavailable so I was transferred to another escalations representative. I, again, was told that there is nothing they can do since my loan was paid off. I had to explain the whole situation again about it was their error for paying the wrong parcel, that money was taken out of my escrow account to pay someone else 's taxes, and that is the responsibility of servicer to fix that. The representative agreed that they should fix the issue. I was told that they will research and give me a call back by end of day. Again, this call took place on XX/XX/XXXX, and I still have not received a call back from Mr. Cooper about the escrow issue. 

I should not have to continue to call and escalate this to get traction on an error that this loan servicer made. I am owed the total amount of {$2700.00} ( which includes the XXXX fee for paying my taxes late )
Product: Credit card

I am being assessed a " returned check fee '' which makes no sense. I have never used a check with my credit card, in fact, I hate that they send them to me. It 's identity theft waiting to happen when credit card companies just issue out checks soliciting balance transfers. It 's just them trying to get more money out of consumers by charging them balance transfer fees and not caring that they are opening up opportunity after opportunity for someone to steal those checks. 
I have n't gone back through my and my wife 's accounts with Citi to make sure that there are not additional fees, but now I absolutely will. Who knows where they came up with assessing a random {$25.00} returned check fee - be it from an ID theft attempt to steal money or because they just thought I would n't notice if they put a fee on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I have disputed incorrect credit reporting to XXXXEQUIFAX/XXXX  several times and asked for this incorrect information to be removed from my credit report several times as well. XXXX/EQUIFAX/XXXX  refuse to remove this information. 

XXXX XXXX XXXX XXXX  NEVER INSTALLED XXXX XXXX on my property at XXXX XXXX XXXX and refused to cancel this debt for XXXX long years AND refuse to remove the INCORRECT " unpaid balance-charged off '' status from my credit report. 

XXXX/Equifax/XXXX  are reporting a {$19000.00} charge off amount for product/services that i never received. The installation NEVER took place. I do not have solar panels! 


My credit score has been adversely affected for XXXX long years. XXXX XXXX canceled the debt in 2023 and refuses to update XXXX. I have informed XXXX that i never received solar panels from this company many times and they refuse to remove this incorrect information from my credit report.
Product: Debt collection

I file thru cfcb about a week ago I replied with what company is sending back thru cfcb not what I am asking them for never send me a signed contract company continue to violate my rights I am seeking {$1000.00} per violation for the emotional damage this company is causing me. 



The other XXXX accounts XXXX and XXXX and XXXX. 
Check the new law what is supposed to be send for validation of debt 12CFR 1006 Send me the original contract with my signature if this is my debt