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

On Friday, XX/XX/XXXX, I locked my debit card and deposited {$270.00} into my account, anticipating that this amount would be deducted on Monday, XX/XX/XXXX. On that date, XXXX XXXX processed a charge to my debit card, followed by a charge from XXXX XXXX. The charge from XXXX XXXX was expected, as it was an XXXX transfer. However, XXXX XXXX only has my debit card information, which I believed would result in a declined transaction due to the card being locked. According to my understanding, they should have charged an alternative card on file instead. 

I contacted XXXX XXXX for clarification, and they verified that my PNC card did not decline ; otherwise, they would have proceeded to charge my other card on file. Additionally, I was informed this morning that I incurred XXXX overdraft fees of {$36.00} each as a result of this issue. This situation is not the first occurrence of such discrepancies with PNC, and I am concerned about the ongoing challenges I have been facing with my bank. I would appreciate any guidance on how to resolve this matter effectively. Thank you for your attention to this issue.
Product: Credit card

To whom this may concern, My account number XXXX XXXX XXXX was used Fraudulently. I made a balance transfer on XX/XX/XXXX. After My card was Left at my residence i believe a family member started making purchases to XXXX and other stores using my card. From XX/XX/XXXX until XX/XX/XXXX is not any transaction i have made. I do not Own a XXXX.
Product: Credit card or prepaid card

There exists a problem with fraud as it pertains to CashApp which supposedly is owned and/or operated by Square Inc . The bottom line is that, I have {$40.00} in my CashApp account which is effectively stolen by Square Inc., and in the possession of Square Inc., to which I have no access whatsoever. I have a CashApp debit card in my possession to which all of my in person transactions have been and continue to be denied without any explanation whatsoever. Even worse is that I have absolutely not way, whatsoever, to get in contact with CashApp regarding the inaccessibility to my funds. On XX/XX/2021 at or around XXXX XXXX. CT I tried to login to my CashApp account online via a full web browser and I received a message stating that the request could not be processed and to, instead, access support via the CashApp app on my cellular phone. The problem here however is that when attempting to access support via the CashApp app the app repeatedly crashes each and every time. Thus, I am not able to contact CashApp via their very own prescribed methods of contact. Furthermore, I am not able to contact CashApp via telephone either. Thus, I have no means, whatsoever, to contact CashApp and I have no access to my funds in my CashApp account. This is fraud by definition and is causing severe distress since this is the form of payment used for day to day transactions. See attached notice via CashApp ( Square Inc. ).
Product: Checking or savings account

On XXXX XXXX of XXXX, there were unauthorized charges on my checking account. I called Chase numerous times, and was issued XXXX different debit cards. They reversed XXXX of the charges for {$500.00}, but there was still XXXX outstanding for {$500.00} that showed it was reversed and then withdrawn again. I personally went to my Chase branch ( XXXXXXXX XXXX XXXX XXXX ) and explained to the representative what had transpired. He could not do anything on his end- so he called a colleague in the fraud department. The woman on the line said there were inconsistencies on the XXXX charge of {$500.00} and that is why it was taken out of my account again. I said how is that possible there were XXXX charges for the same amount ( {$500.00} ) within a 5 day period ( XXXX ) .. She then stated that the XXXX charge was still under investigation. She said since I now provided the information about the other XXXX charges that she was adding it to the investigation and the last {$500.00} would be credited to my account. It never was. On XX/XX/XXXX, my friend who is an attorney gathered all my information and filed a complaint with the XXXX Department XXXX Banking and XXXX. I received an Email from XXXX stating they do not regulate the Banks in the state and I would have to submit the claim with XXXX ( which I did this morning ) and your offices. The letter then stated that since they do not regulate my bank ( Chase ) they were closing my case.
Product: Credit card or prepaid card

This is the XXXX  complaint as they keep making it worst. It leaves me no choice but to sue. I have enclosed an email sent them. 

I have received your letter dated XXXX. I have received your requests that you need more time. What I have not received is an answer so let me give it to you. 

Wells Fargo uses XXXX  to spit out policy as in the proof of this letter. Let me explain for those educated under the present system. As a result of a recent review of your XXXX we closed your debit and/or ATM card on XX/XX/2023 to prevent further risk to your account. Properly formatted sentence, sounds good to read, but what are you talking about? Who are you preventing further risk from? The card holder? Is the card holder a criminal who is improperly using and abusing his prevlidges? He must be a criminal as we are giving him XXXX  months in Wells Fargo financial jail. 

I will report this as well and I will now go public with this nonsense that your bank is no longer a viable financial institution trustworthy of maintaining accounts. 

Sincerely, XXXX XXXX XXXX CONFIDENTIALITY NOTICE : The information in this e-mail message is intended to be confidential and solely for the use of the individuals or entities to whom it is addressed above. If you are not an intended recipient, any disclosure or use of this information by you is strictly prohibited. Please notify the sender that you have received this message in error and delete this message. 

Please consider the environment before printing this e-mail.
Product: Debt collection

They call My number and Automated machine service uses the following recording and asks for XXXX. if this is not XXXX please press 2. 
Once pressed 2 the menu says " To wait until XXXX gets to the phone please press 1. If this is not XXXX 's phone number and you wise to remove the number from the list please press 2 '' I press 2 Since I am not XXXX and I have this number already for a year. machine says " To be removed from the list you must hold the line to speak to a customer representative ''. SO I hold. and Hold and hold for over 30 minutes and A customer representative never gets to the phone. 
This has been happening for quite some time over and over again and its annoying. I am a business man and I need my phone for my business purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting letters by certified mail to XXXX XXXX XXXX XXXX the collection company that it is reporting me and also to the 3 credit Bureaus XXXX, TransUnion and XXXX. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company XXXX XXXX XXXX XXXX as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest possible.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone opened up this account fraudulently in my name.
Product: Payday loan, title loan, or personal loan

I went through the loan process at the end of XXXX. Though, when I saw the 324 % interest rate. I immediately exited out of the page because I didnt want to pay that kind of interest. Though on the XXXX or XXXX of XXXX. I saw the money was in my account. I immediately tried to contact them but no one picked up due to the holiday. I attempted to call again the next day and told them it was a mix up I did not want the money to please take the loan back. The person on the phone agreed and debited the amount out of my account. Though I saw yesterday XX/XX/XXXX that I saw still charged interest by cashner usa despite having told them I did not want the loan and to dedit it back out of my account. Which the did earlier this month. I called again and asked them why and they responded that they were not going to waive the interest charge on a loan I never used. So I decided to file this complaint. Especially because companies charging predatory interest rates like that with these kind of business practices should not exist. My bank account is unable to screenshot the deposit amount of {$240.00} on XX/XX/XXXX. And that the amount was returned XX/XX/XXXX. Yet I was still charged interest.
Product: Vehicle loan or lease

My Bank, Navy FCU sent me a very misleading email offering auto loan refinancing for rates as low as 1.79 %. When I clicked, learn more the page directed me to sign in and apply. 

The approval interest rate came back for 3.89 % which is the same rate I currently have with another bank. I called and found that the 1.79 % only applies to New cars being refinanced. 

I feel that this advertisement is very misleading. This caused me to have a hard pull on my credit report for no reason or benefit to me. If the initial email would have differentiate between new and used rates starting point, I would clearly have identified that the used car interest rate was the same as the one I had currently and never would have applied. 

Now, I am affected by a hard pull to my credit report that will not fall off for 2 additional yrs. this is misleading and unfair to consumers. Particularly, how calculating the email and site directed to was set up. I feel totally bamboozled.
Product: Vehicle loan or lease

During my consumer credit transaction at the dealership. The said dealer who represent Honda financial services as the creditor violated the XXXX XXXX XXXX Truth lending act. That same creditor in return charge me the consumer a CASH transaction of {$2000.00}, While the said creditor did NOT to show In clarity a Truth in lending Disclosure which consist of all interest, fees, and insurance premiums, transaction. 
The creditor supported a contract charging me the consumer other additional fees, dealer fees, document fees, and I the consumer pays insurance each month which should be in the consumer finance charge. 

The contract Furnished by the Creditor to the consumer pertains several unreadable and clarity in the the consumer credit transaction. 

multiple violations listed have been brought to the creditor to be resolved which the said creditor refused to solve this matter
Product: Credit card or prepaid card

playing games and denying my claim over a fraudulent charge 0f {$1700.00} on my account.
Product: Money transfer, virtual currency, or money service

I have been a loyal customer of PayPal since XXXX. I have used this service to transfer money in the past. A long time ago, I entered my debit card number to PayPal for payment of any charges I incurred. However, at least XXXX months ago, I stopped using this debit card ending in XXXX. 

Despite numerous attempts to contact PayPal so I can remove this inactive card and replace it with another debit card number, PayPal has so far refused to respond. They have limited my account for months now rendering the account useless. PayPal 's automated system refuses to allow me to change my card. It demands that I confirm the XXXX card to end the limitations. I will not confirm a dead card! This problem is caused in large part by PayPal 's complete refusal to provide a customer service human to help me solve this problem. 

I have grown tired of this situation. I've contacted PayPal numerous times online to tell their chatbot to immediately close my account. This company has made itself irrelevant by refusing to contact anyone and force everyone into automated systems that do not work. The customer service at PayPal is worthless!
Product: Debt collection

XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail 3 weeks later from Experian stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my weekend gathering all the documents to receive a mail like that. I am extremely upset. I have been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently 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 an inquiry from XXXX on my credit report. I never authorized this. I have a fraud alert on my account and I am to be notified when my credit is pulled. I was not contacted. I have contacted XXXX 3 times. When I provide my social security number, they aim to not be able to locate me. However, their inquiry remains on my credit.
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 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my permission or consent of acknowledgment. 

XXXX XXXX XXXX XXXX XXXX XXXX/account status OPEN/ XXXX $ XXXX XXXX XXXX  / Account Status OPEN/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Service/ Account Status OPEN/ XXXX XXXX XXXX XXXX XXXX Account Status /. OPEN - XXXX XXXX XXXXXXXX XXXX XXXX IN FULL / Account Status Open/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 card

In XXXX and XX/XX/year>, I used my Chase credit card to send multiple payments totaling {$1100.00} through XXXX to an individual who misrepresented their financial situation. These payments were sent under the explicit agreement that they were loans, as evidenced by written communication where the recipient repeatedly acknowledged their debt and promised repayment. Despite these promises, no repayment has been made. 

The recipient, XXXX XXXX, emotionally manipulated me into sending money by describing dire circumstances, such as lacking food, transportation, and basic necessities. She repeatedly emphasized her urgency and assured me that repayment would follow promptly, often referencing specific dates and amounts. This pattern of coercion and false promises is evident in the written communications I provided. 

I contacted Chase on XX/XX/year>, to dispute these transactions. However, Chase denied my disputes within 24 hours on two separate occasions, stating that the transactions were classified as " Friends & Family '' payments on XXXX and therefore not eligible for further investigation. Chase did not allow me to submit any supporting evidence, such as : 1 ) Written communications showing the recipients acknowledgment of debt and promises of repayment. 

2 ) Correspondence from XXXX, where they explicitly acknowledged the fraudulent nature of the transactions and stated their willingness to cooperate with Chases investigation. 

Chases refusal to investigate or even review the evidence demonstrates a lack of due diligence and a failure to provide a fair dispute process. They also did not contact XXXX to corroborate the information, despite XXXX explicitly expressing their willingness to assist. This negligence has left me without any recourse to resolve this issue, causing significant financial harm and emotional distress.
Product: Debt collection

Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. I have been XXXX from a leg injury since 2020 and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.
Product: Vehicle loan or lease

The company is not report the amount the of the account correct the acc had gap insurance and the balance reported is not reflecting the gap insurance and warranty cancelation
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear [ CFPB ], I am writing to express my extreme frustration and disappointment with the handling of my account by the credit bureaus. Despite my repeated complaints and requests for assistance, the inaccuracies on my account remain unresolved. 
The credit bureaus claim that my account was properly investigated, but that is simply not true. The open date, date last active, and date last reported are all inaccurate and these inaccuracies are in violation of my rights under 15 U.S.C. 1681 section 602 A, which guarantees my right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
I demand immediate action to rectify these inaccuracies and remove these accounts from my credit report. I have been patient and cooperative, but enough is enough. I expect a prompt resolution to this issue and an assurance that my rights will be respected in the future. 
Sincerely,
Product: Credit reporting or other personal consumer reports

On a credit report requested in XXXX, 2024 I was able to notice inaccurate information on my credit report regarding hard inquiries. Specifically, a query requested by XXXX XXXX XXXX XXXX  dated XX/XX/year>, which I do not remember having applied to any credit product or carrying out any procedure for the date that would require the bank to have a copy of my credit report. Since then, on XX/XX/year> I started a dispute with the Transunion company to carry out an investigation and immediate correction and so far I have not had a response. On XX/XX/year> I sent a letter again requesting a response and immediate solution to which I have not received any response.