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

XX/XX/2023 I deposit a check on my Chase bank checking and they put a hold on my account. I had {$100.00} on my checking account before I deposit the check. On XX/XX/2023 I decided on doing my laundry however Chase bank account was put on restriction. I called them and ask why? And they told me that because I deposit a {$5600.00} and they still need to get it verified. So I ask why would they restrict the whole amount. Asking if I can just use {$100.00} to do my laundry. They still keep bringing up the {$5600.00}. The person wanted to talk to the owner of the check they said theres not enough info about the check. I told them not to worry about the check not right now and just give me {$100.00} so I can do my laundry. They told me my account was restricted because of the check. The conversation was just going in circle to the point I just got irritated. They told me theyre giving me a red flag and hang.up. I called again. Ask me if I didnt want the {$5600.00} and they need to talk to the colleagues. I ask the same question how is the check {$5600.00} have something to do with my {$100.00}. They told me I shouldnt ask that question and they would hang.up on me. Which they did. I called again. This time it was a female. She clearly explained it to me. She told me that I can go to the branch and get {$100.00} to show them my I.D . And card. Also, the banker told me to call the bank owner and tell them to cancel the check. also, she ask if she can get the telephone number of the owners check. Which I also did. And then they said they cant call the owner because the phone number is not in the business. I told them that I was really disappointed about the transaction and planning on closing the account in chase because I am paying {$5.00} every month so I can have an easy banking. The banker then told me that if I dont cancel the check they will keep the money and charge me with fees.So I did what she told me. The owner of the check told me the money was already taken out from the bank and they cant cancel it. ( XXXX XXXX ). Also, went to the chase branch And the banker told me the account is still restricted. As of today, its been 1 week the funds are already available to my account however the bank still restricted my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company name is Delinquent recovery phone number ( XXXX ) Ive called the company about 7 or more times because they are reporting falsely & negatively on my credit report, the account has been paid in full for almost a year all of the staff members are extremely rude and have refuse to offer me any proof of payment, resolution, or to call the credit bureau number to verify/report accurate information and also has refused to report accurate information to the credit bureau. Please help this is an extremely unprofessional company that is operating illegally. They are purposely reporting inaccurate info to credit bureaus.
Product: Checking or savings account

My wife and I both have checking accounts with Citibank. Citibank freeze our accounts for no reason. They do n't have office near my home. I call Citibank and sent letter to Citibank center. But they refuse to unfreeze our accounts. We have total {$3200.00} in the 2 accounts. Please help us to get our money back.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam I live in XXXX NJ . Some fraudster in Michigan ordered a shoe from XXXX through paypal just using my email address and shipping the shoe to some abandoned home in Michigan. The order emptied my paypal balance of {$230.00} and further took {$180.00} from my XXXX checking account. I immediately disconnected my bank account from my paypal account. 

I filed a dispute to both Paypal and XXXX. XXXX refunded {$180.00} and closed the case. 

All paypal needs to do is pay back {$230.00}. When I login to my paypal account it shows that I owe {$410.00} to paypal. They placed it in collections and threatened to report it to the credit bureau unless I pay it back. I have a perfect credit score and don't want that to be affected. 

I spoke to four agents at Paypal, they are asking me to pay back {$410.00} to them first. Anyway, after escalation, we found that Paypal refunded {$410.00} to my bank account ( even though I delinked the bank account due to the fraud incident. ) and says that I owe them {$410.00}.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I wrote to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and Experian disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old AZ state ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new AZ state id and social security card with the name of XXXX along with my XXXX XXXX bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( s ) Experian sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my coxs cable bill??? 
XXXX has not responded at all.????? 
XXXX sent a response of who furnished the information and it has not been removed from my credit report they did send a updated report to show who furnished them with this information. 
XXXX XXXX XXXX XXXX a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year>
Product: Credit card

I have contacted Amazon for the past weeks and letting them know that I never opened an Amazon card and that my information was used without my knowledge! This is fraud and I have not had any luck Im in a financial burden because of this and my credit score is not good to this as well can you please help! Thank you
Product: Debt collection

I have sent Midland Credit Management Inc 3 separate certified letters requesting copies of any kind of contract or some agreement containing my signature. I have requested anything they can provide to prove this is my debt. To date all they have sent is a copy of billing statement. That is in no way proof of debt ownership. I have corresponded with XXXX XXXX XXXX on three separate occasions and each time she returns the same form letter to me with the same statement, ( 'After reviewing the information you provided, our account notes and information provided by the previous creditor, we have concluded that our information is accurate. In addition, the information has been accurately submitted to credit reporting agencies. ' ) Apparently, they have information and account notes with information provided by the previous creditor, XXXX XXXX XXXX  XXXX. I can't think of a valid reason why Midland Credit Management XXXX is withholding information that supposedly proves I own this debt. If they have any information, I expect they would provide it to me but as it appears at this moment, I am being blackmailed by this company. They are demanding payment on a debt that is not mine and that they can't prove belongs to me. This is not a fair or legal practice. I have filed a lawsuit in my home state of Texas on XX/XX/year> and am suing Midland Credit Management Inc for defamation and negligent enablement of identity fraud, violation of the fair debt collection practices act and violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since signing up with XXXX XXXX, on XX/XX/2023 there have been XXXX individual withdraws from my checking account. 

In XX/XX/2023, I lost access to the app. This prevented me from accessing my funds, accessing my account, and controlling my withdrawals with XXXX XXXX. Despite losing access to the app, money continued to be withdrawn. 

On XX/XX/2023, I email support at Bright Money with the following email : " Hello, I am unable to access the Bright Money App on my phone. Every time I open it it prompts a white screen then closes the app immediately. I've tried updating the app, and still no luck. Money is continuously being deducted from my accounts and I'm concerned about my inability to access any information. 

Please advise! 

Thank you, XXXX '' I sent an attached video exemplifying the issue and was told " We have raised this issue to the concerned team and will get back with an update on this in the next XXXX hours. '' After not hearing a response during that time frame, I followed up on XX/XX/2023, asking for an update. XXXX XXXX 's response : " Please be informed, our team is still working on your query and we will get back to you with an update as soon as possible. ". 

I sent another follow-up email on XX/XX/2023 reading : " Hello, Its been over a week since Ive submitted my issue. XXXX XXXX continues to withdraw from my account and I have no access to them. 

Please stop all withdrawals until someone is able to support me with app access. 

Thank you. 
XXXX '' ... and received no response. Again, I emailed on XX/XX/2023, and again, no response. 

During this time, money continues to be withdrawn from my checking account and I continue to have no access to the XXXX XXXX app.
Product: Debt collection

In XXXX XXXX, I received a notification about a debt that, unbeknownst to me, had been ongoing for a few years. I only became aware of this issue when I attempted to purchase a car. At the time the debt originated, I had reported it as fraud and subsequently placed a freeze on my credit, which can only be accessed with a PIN. I thought it was resolved - In response to this notification, I requested verification of the debt. The credit collector provided me with a statement and a cardholder agreement as proof that the debt was mine. However, there was no application or identification included, and the debt originated from a bank located in a state where I did not live in.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my employer deposited {$290.00} into my PayPal account. That same day, I transferred the money to my credit union checking account through the PayPal app. On XX/XX/XXXX, the funds were shown as having been deposited into checking ( ACH trace # XXXX ). However, on XX/XX/XXXX, PayPal reversed the transaction without authorization, and removed the full {$290.00}. ACH trace # XXXX I contacted PayPal and opened a dispute. They initially denied my claim but cited the incorrect transaction date ( XX/XX/XXXX ). Further, when I was able to speak with a representative, they indicated they could not find any XX/XX/XXXX transaction. In effect, they do not know why my money was withdrawn or where the money was sent/received. 

I would appreciate any assistance your agency is able to provide. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has made incorrect information on my report, per FCRA all information shall be reported correct and verification of debt. 
I am wanting this deleted immediately as my identity was stolen and I have no knowledge for any accounts within these companies and never lived at this address.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
Contacted me XXXX/XXXX/XXXX from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by wells fargo, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.
Product: Consumer Loan

End of Lease issue. Nissan, see attached, wants me to pay another month beyond my lease end. Also wants me to pay for other fees I do not understand. When I tried to work with my dealer to turn in my car, they mishandled working with me to get a new car. So I bought XXXX elsewhere. In the meantime I called and scheduled the inspection company to come and inspect my car. The inspection company estimated my excessive wear and tear at about {$210.00}. I then drove my car to the dealer and dropped it off. This process took about three weeks and I spoke to Nissan three times about how long the process is taking to get the car disposed of. I kept them in the loop. The XXXX call I made to Nissan was with with an abusive representative and demanded I pay another month for keeping the car. I told him I do n't want the car and had trouble working with the dealer. I hung up on him. In the meantime I bought another car and had the old Nissan at my house while waiting for the inspection company. I paid for car insurance on the Nissan while in my driveway with my new car. After a month or so I received an invoice for over {$1000.00}. Remaining rents due plus excessive mileage plus disposition fees. I paid the excessive fee of {$200.00}. I did not pay the remaining rents due and I asked them for a copy of my contract that said I also owe a {$390.00} disposition fee. I do not remember the dealer talking about this when I took out the lease. They sent me another bill showing the payment of {$200.00} and then I received a collection saying my account has been placed for collection. I guess they are not going to send me anything related to my request for information on the disposition fee and they ignored my plight regarding working with the dealer to get the car turned in. 
Please help. XXXX XXXX
Product: Mortgage

I closed on a loan in XX/XX/XXXX. Insurance was paid for 1 year. Escrow was collect the next year but PennyMac didnt pay the insurance premium. Without any notification in XXXX or XXXX I received a substandard policy drafting twice from my escrow account totaling almost {$8000.00}. A policy on my home should be {$1100.00}. When I went to get a standard policy this year I was rated or paid an additional {$600.00}. Now PennyMac want to charge me {$600.00} a month for a year to replenish my escrow.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to XXXX, XXXX, and Experian, under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.
Product: Money transfer, virtual currency, or money service

I submitted a unauthorized bank transfer/fraud claim to Bank of America due to realizing my savings account was having small amounts withdrawn and transferred into checking but those amounts never changed my balance so my money was disappearing. I closed my accounts 03 weeks ago but it was going on for the last year and I lost over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap I will not wait another 45 days to receive no response because clearly yall ignoring me. I haven't heard anything from TransUnion, XXXX, and XXXX. I demand the accounts on my dispute letter to be updated immediately or I will file for litigation due to the stress that the bureaus has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter XXXX bankruptcy at the United States District Court of Minnesota Bankruptcy Court. The following accounts listed on my XXXX  and Equifax credit report was completely discharged under chapter XXXX bankruptcy : XXXX XXXX XXXX, XXXX. {$14000.00}, XXXX XXXX XXXX, XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX XXXX, {$500.00}, XXXX XXXX XXXX/XXXX XXXX XXXX, {$1800.00} and XXXX XXXX XXXX XXXX XXXX, {$5000.00}. I no longer owe the debt because the debt was completely discharged under Chapter XXXX Bankruptcy rules in the United States District Court of Minnesota Bankruptcy Court.
Product: Checking or savings account

Police reports were filed in regards to the situation. The merchant was also contacted several times. They informed me that my bank never reached out in regards to my dispute. Several forms of documentations were provided. After requesting documents or reason for denial the agent simply stated they had none. As nothing was notated on the account. The company has done nothing
Product: Debt collection

This is strictly fraud. I have not done business with XXXX.
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquiries on my report from XXXX  XXXX
Product: Debt collection

Ability Recovery Services debt collection company are trying to obtain double payment from me on the same account by listing them under two separate account numbers when there is only one. I have disputed this with ability and they are not cooperating. The allege I owe XXXX college XXXX. They also posted another account to my credit report saying I owe XXXX college XXXX. I am currently in deferment on a 2 student loans used to cover college expenses they appear on my credit report also. I should not be charged these expenses as my student loans have already covered them. Ability recovery services is reporting inaccurate information and is fraudulently over charging me. I would like these items deleted off my report but they refuse to do so and continue to break law under the fair credit reporting act. Please help me resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : CCS COLLECTIONS This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa. XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One & Account Number XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

I am having problems with Payday prepaid mastercharge illegally blocking my account. I won a case to have my boyfriend reassess for in home supportive services. I got back pay for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and part of XXXX. I got about XXXX XXXX in 15 supplemental pay checks FROM THE STATE OF CALIFORNIA. Couple of weeks later I withdrew XXXX on one day and XXXX another day. and bought a XXXX truck. XX/XX/XXXX. XX/XX/XXXX My credit card is declined. After spending an hour on hold I was told there was a discrepancy with my address and they asked me to provide proof. Understandable. Our place burned down XX/XX/18 and I used a friends address for mail while we were unsettled. XXXX XXXX XXXX XXXX XXXX. We subsequently rented a place XXXX XXXX XXXX XXXX. I did not change my address with PayPal prepaid master charge. In XXXX I asked for a replacement debit card for my online PayPal using the XXXX address. They asked and I provided them with an explanation. Then they refused to give me access to my money. XXXX XXXX ( XXXX ) demanded I explain the source of my XXXX cash deposit. If she is so XXXX  she can not tell the difference between direct deposits from the STATE OF CALIFORNIA and cash deposits she should not be working in a bank. The she ilegally asked me to justify my cash withdrawals. I withdrew XXXX one day and XXXX XXXX   a few days later ( I would give you dates but I can not access my online account ) I bought aXXXX truck. They demanded proof of how I spent my money before they would release my funds. I called you ( CFPB ) and was told legally they did not have a right to ask that and that I should look at the company policy. I did. Company policy says I can withdraw {$4900.00} a day. I was within company policy. I had to. provide a copy of the pink slip and Ca. DMV correspondence. This is extortion. I had to provide information I had no legal obligation to provide to get access to my funds. I wasted hours of my time on this. MY CIVIL RIGHT WERE TRAMPLED ON. I do not have to provide an explanation of how I spend my money to use it. XX/XX/XXXX I get access to my account. Yesterday I go to use my debit card and it its blocked again. I emailed XXXX XXXX to ask why my account was blocked again. She emailed me back saying I should call the customer service line and explain my spending. I went to XXXX XXXX and paid a vet bill. I do not have to justify my spending to access my money. I want my money and want monetary damages. I have spent hours on this unnecessarily. I have endured stress. THIS IS AN INFRINGEMENT ON MY CIVIL RIGHTS I SHOULD NOT NHAVE TO EXPLAIN MY SPENDING TO HAVE ACCESS TO MY MONEY.