23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this company tried to garnish my bank accounts for a credit card account which is not right. they have not provided me any proof it was my debt with the proper documents with a valid signed document with my signature that it is truly my debt and I requested to have all documents from the original credit card company and with the date that it has opened and closed with all the information in between
Product: Checking or savings account

Hi, I opened an account with Mercury on the XXXX of XXXX in order to make easier International wire transfers to our pruveyors. After transfering XXXX usd in several transfers due to daily transfer limits which I tried to raise. ( Communicating with their help team ) On the XXXX of XXXX Mercury decided to suddenly close our account and keep the funds until further notice without giving any exact information on why they closed it ( The only reason given was we broke their agreement ) or when will Mercury return the funds. After having tried to communicate with them for over a month and them not replying, just resending the same email over and over I managed get a phone number where they told me they couldnt do anything about i, it was all through the compliance department which resent me the same email after I called. The email says this : Hello, Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. 

Best, I tried to solve this issue with XXXXXXXX XXXX XXXX XXXXXXXX which is the bank that currently holds my Mercury bank account, and they told me I can only solve this issue with Mercury. 

The company doesnt reply and has no legal right in keeping our money
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received letter XXXX XXXX XXXX. Attempting go collect a debt dated XXXX XXXX, 2017 from XXXX XXXX XXXX, who is attempting to collect a debt for XXXX XXXX XXXX. First I never received any correspondence from XXXX XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, XXXX XXXX or XXXX XXXX XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.
Product: Money transfer, virtual currency, or money service

I sold 2 items on XXXX  and the buyers paid through PayPal. PayPal is refusing to give me the money from my XXXX sales when I have provided all the necessary documents to prove that the money I received is from XXXX sales. Clearly the transaction matches XXXX. I have all the proof and also calls recorded that say my account would be lifted if I provide the correct documents which I have done. I have shipped the items to the buyers and have provided the correct tracking information and invoices of these sales to PayPal along with a photo copy of my drivers license! PayPal is holding {$600.00} from me. I want PayPal to release my money. This is not a new PayPal account and was created 5 years ago!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau, I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested a security freeze removal. I sent in a copy of my driver 's license and social security card on several occasions. The keep telling me the information is not legible. they will not remove the freeze!
Product: Money transfer, virtual currency, or money service

I attempted a domestic wire transfer with Discover Bank on Thursday, XX/XX/XXXX for a house closing. The wire was submitted to Discover at XXXX ET. For context, the cut off time for same-day processing provided by Discover is XXXX ET. 
I was told by a Discover Wire Specialist that a federal tracking/reference number would be provided to me, and if I didnt receive one 2 hours post receiving the processing confirmation email, that I could call them for one. I received the processing confirmation email at XXXX ET. 
Over the next 30 hours, I contacted Discover 10 separate times for an update on tracking to which most of my concern was dismissed by their wire specialists and I was told to just wait as the Federal Reserve is sitting on the money and hasnt released tracking to them yet, so there is nothing [ Discover ] can do to help. 
After contacting Discover additionally multiple times on Monday, XX/XX/XXXX, as the Federal Reserve is closed on the weekends, I was finally told that the money was never sent to the Reserve at all. My wire was now sitting with Discovers intermediary bank, the XXXX XXXX XXXX XXXX XXXX. And still, there was absolutely nothing Discover could do to help. This is now almost XXXX business days later and I have not received any update on where my money is in addition to constantly receiving conflicting messaging from Discover wire specialists, including that this whole process shouldnt take longer than 2 business days. 
On Tuesday, XX/XX/XXXX, the wire was sent back to my account after following up additionally on my own. I inquired about the reasoning for the wire not being processed and was told there wasn't any specific reason, only that they would not be processing it. They told me that reason is left to interpretation as they do not have to give me any additional information on the matter. This was incredibly frustrating as now I am late to closing on my first home, as well as now being back to square one with no information on what went wrong, or any offer of assistance to make it right. 

After countless calls to Discover, the Federal Reserve, XXXX XXXX, and even a real estate lawyer to chase down my own money as Discover refused to help me, I am left feeling the utmost lack of confidence in Discover as a financial institution. Discover has put me and my family through extreme emotional distress during this process. Distress that we are still under, as we face penalty from our seller and lenders for Discovers careless ride with our hard earned first home funds. 

If you're reading this and debating using Discover for something as standard as a domestic wire transfer, I urge you to rethink. Unless of course you enjoy giving your money to an online bank that will happily take it and then sit on it for their own financial gain through earning interest on it and then dispose of you without any concern to help with the mess they created for you. Just my two cents.
Product: Mortgage

My husband received a prequalification letter in the mail from XXXX XXXX of Quicken Loans for a VA Mortgage Refinance. Allegedly, we could refinance our loan " with a VA loan at a low, 15-year fixed interest rate of 3.25 % ( 3.836 % ). '' However, our current mortgage is not a VA Loan, which I know is a requirement of qualifying for a VA Interest Rate Reduction Refinance ( IRRR ) loan. Additionally, neither my husband nor I, are veterans. I found this letter to be very deceitful and unfairly misrepresents a government program.
Product: Checking or savings account

On XX/XX/2021 {$3200.00} was stolen from my account by way of an unauthorized wire transfer from a fake real estate company that scammed me into providing my account and log in info for wage verification purposes. I made a police report and the police said this landlord has also scammed several other people online. They are looking for XXXX XXXX of XXXX XXXX to arrest him for real estate fraud and theft. I requested help from the bank Wells Fargo where my was stolen funds were deposited but they said the reason I was only able to get back {$480.00} is because the account where the money was stolen had only {$480.00} left in it. Im asking for help to get the remaining balance of the {$3200.00} which is {$2800.00} please. I have been trying to get assistance with this for 6 months and Wells Fargo still wont return the rest of my funds. My account is XXXX XXXX XXXX XXXX. Please help.
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Credit Collection Services, a debt collector who has sent me a debt collection letter for a debt that does not belong to me. I have never had any dealings with this debt collector in question or owed any such debt, I don't know how they even obtained my personal information and I am concerned about the impact this may have on my credit score. Despite my attempts to contact Credit Collection Services to rectify this issue, they have not been responsive, and I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that the CFPB investigate this matter and take appropriate action against Credit Collection Services. Thank you for your attention to this matter.
Product: Credit card or prepaid card

I have an XXXX credit card. Months ago I was advised that I was being charged from a gym every month and I tried to stop my account with them but they keep charging me. I disputed the charges and XXXX said charges are legit and the only way to stop the gym from using my card is to replace my card with a new card number, which I did. This month I was charged again. I advised XXXX credit card about that and asked them how can a company still use my credit card to charge me when they dont have the new card number. They couldnt explain how and said via text message that somehow the gym got my new card number, which only I know and I have absolutely not provided to them as thats the whole reason why I changed my card number, per XXXX credit card advise. At this point they are telling me they can not help me and refuse to refund the money and to block any further unauthorized companies to charge my credit card, or to explain how it is possible for a company to charge my card without anyone providing them with my account card number. XXXX is at fault here for not protecting my account and my personal information and also refusing to refund the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses, inquiries and accounts listed on my credit profile that are NOT mine nor did I authorize the release of this information. Please remove them immediately as they are hindering my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit reports and found inquiries from Wells Fargo EFS. I reached out to the company on XXXX/XXXX/XXXX, spoke with rep " XXXX '' but she did not provide any additional identifying information. She explained the inquiry was from a joint application for a student loan. I have never done a joint application and I do not need private student loans as I receive federal student loans. Per the Fair Credit Reporting Act, all information reported to a credit bureau must have validated proof they belong to the reported account. This is usually done with a validated signature and a copy of a current photo ID. I do not believe Wells Fargo posses either of those documents and therefore the accounts can not be validated and must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Disputed inaccurate reporting of XXXX furniture with XXXX and Equifax. XXXX agreed due to bankruptcy the account would be removed out and removed. I submitted this information to XXXX and Equifax and the dispute came back as " verified ''. 

Submitted information to CFPB company responded basically with no admission of guilt. Only they reported what XXXX reported. That was not true. XXXX agreed to remove the account. The cfpb reported the account should be removed. The account remains on my credit report to date. Driving up my mortgage rates due to low credit score. This hurts consumers and monetary damages of {$1000.00} is not enough!!
Product: Vehicle loan or lease

I went online XXXX, to get a payoff amount for the car. 
After getting the amount, {$13000.00}, Wells Fargo erroneously changed the loan to paid off. There was not enough money in my account for that amount. The account shows it posted the entire payoff. The balance is XXXX. 
Theyre unable to reverse the transaction at this time. I am unable to sell the vehicle due to this error. 
They stated, after numerous phone calls, it may reverse in XXXX days or I may have to refinance the loan. There have been no clear answers. 
I have only 7 days to sell the car at the offer that was promised. The cost will continue to decrease daily which means I loose more money.
Product: Money transfers

Sold a XXXX XXXX gift card ( {$380.00} balance ) on eBay on XXXX/XXXX/XXXX. Buyer paid through online payment service PayPal XXXX. 

A few days later the buyer claims that purchase was " unauthorized '' even though the gift card was used ( balance now ZERO ). Buyer filed claim with eBay and case was closed in my favor less than 1 day after I submitted proper documents to reflect that the gift card was indeed used. Initially PayPal had the hold on my account for the transaction amount but released the funds once eBay closed the buyer 's dispute case. 

Nearly three months ( XXXX/XXXX/XXXX ) later the buyer decided to open a dispute with PayPal claiming the same " unauthorized '' purchase nonsense. Basically the buyer is stating that BOTH his eBay account and his PayPal account were hacked at the same time on the same day for the same transaction. 

I submitted the exact same proof/documents to PayPal as I had to eBay 3 months earlier with proof showing that the buyer received the gift card and evidence ( copy of XXXX XXXX purchase receipt showing when and where the gift card was used in store ). Without any valid reason, PayPal decided to side with the buyer and his financial institute, for no justified reason other than not wanting to go against the banks which PayPal would not exist without. 

PayPal is notorious for siding with the buyer in almost every single case of this nature. Basically I was out of the gift card ( already been used ) and the buyer was returned his money. This is completely unjust and unfair and I have filed complaints with the BBB and the Nebraska Attorney General ( where PayPal operates business from ).
Product: Checking or savings account

We needed funds from our checking account to be transferred for the closing on our home. The funds needed were in excess of the daily online limit, however, the funds were within the limit for a transfer at the bank. I asked for a one time exception to transfer more funds for the closing of a house, as where we are moving does not have a branch, and nobody was able to assist me.

In addition, the staff who tried to assist me were insincere, dismissive, condescending, and rushed. I tried to ask for them to think about alternative solutions, such as using a business account, and nobody was willing to entertain these ideas. I also indicated that if Chase can not help me with this transaction, then I would be inclined to leave Chase as a customer, and there was no attempt to try to retain my business. I received the impression that they would rather not have me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of the attached credit report. ) I have made multiple consecutive payments on these accounts  and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.
Product: Credit card or prepaid card

On the following dates I had fraudulent charges placed on my Citi Double Cash credit card : XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$42.00} XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$170.00} XX/XX/2020 XXXX XXXX   XXXX CA Digital Account Number XXXX {$52.00} XX/XX/2020 XXXX XXXX XXXX CA {$41.00} XX/XX/2020 XXXX XXXX  XXXX CA {$20.00} XX/XX/2020 XXXX XXXX  XXXX CA {$54.00} XX/XX/2020 XXXX XXXX   XXXX CA {$73.00} XX/XX/2020 XXXX XXXX  XXXX CA {$40.00} XX/XX/2020 XXXX XXXX   XXXX CA {$5.00} XX/XX/2020 XXXX XXXX  XXXX CA {$31.00} XX/XX/2020 XXXX XXXX  XXXX CA {$32.00} XX/XX/2020 XXXX XXXX   XXXX CA {$58.00} I was contacted by Citi and stated that the charges were all fraudulent. From XX/XX/XXXX to XX/XX/2020 my entire family was in quarantine with Covid-19, and this can be verified by my employer, the XXXX XXXX  XXXX XXXX XXXX, and my medical provider. I have been very responsive with Citi and immediately replied to all inquiries, and stated that the card in question was in my physical possession while I was in my home. The information provided by XXXX to Citi shows no information matches me, and the card was used in New York. In addition they continued allowing the card to be used after I reported the fraudulent use, and they replaced the card twice before finally stopping all charges placed by XXXX on my account. At this point I lack so much trust in the process the card is locked in a safe and deactivated on the Citi website. 

As of today the investigation is ongoing with Citi stating I have not been replying to their requests which is false. I have never had this much trouble with fraudulent charges on many accounts over the years. The customer service, while polite, is difficult to understand, very limited in what they are able to do, and repeatedly state they are resolving this issue, however nothing seems to have been resolved. Their security and call centers are unable to or unwilling to allow me to speak with managerial staff to get further clarity or any other information. Problems like this with a Citi Costco card have never gone on this long, nor with XXXX, or XXXX XXXX. The Citi rep states 1-2 billing cycles, however we are already beyond 2 billing cycles and this does not appear to be anywhere close to being resolved. I would even suggest that they are investigating each individual transaction separately despite them all being done with one company by the same account holder at XXXX. 

I was first contacted in XXXX, and last contacted on XX/XX/XXXX and last replied on XX/XX/XXXX. I am including the most recent correspondence as well.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$0.00}