23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sparingly use this service ( Venmo ) and its associated debit card for payments between me and my close people. So there often is a balance lesser than {$50.00} I used the card via XXXX XXXX to pay for a drink out of a vending machine, and the drink was more than what was authorized, as well as more than what remained in the account by XXXX XXXX 

Being an overdraft, they have frozen my account, and its been nearly a week. 
Since the overdraft, I have received payments on this app, in no relation to the overdraft whatsoever and I later expected that it would cover the {$0.00} overage easily and simply, but I was far wrong. 

They will not allow me to use any form of bank that I have to pay for it, and using a debit card ( as they suggested to expedite the situation ) still leaves me without my money for another week. 

I can not access my money, nor am I able to close this account, which Im concerned leaves my security at risk. 

I no longer agree to the terms and conditions and wish to settle the XXXX XXXX overdraft with the other {$25.00} that should be on the same account then close the account. 

This is a dystopian overreach for a financial conglomerate, in my opinion. I just want my {$24.00} and to close the account. 

Its on there. It literally says it. Why is payment from ANOTHER account required if I already have money IN the account thats frozen. And for that matter, whys it even frozen?
Product: Debt collection

I never been to this hospital I am a veteran I go to the hospital for free
Product: Credit card or prepaid card

I have 2 Credit cards with Capital One. I went to make a payment on both of them and accidentally made a payment twice to one card. When this was figured out I called to fix and they moved payment around but still decided to report the payment late to the credit bueauas. I have talked to several people and they refuse to call me back to fix this issue while I am trying to close on my home loan.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I completed an application for a personal loan. I submitted my paycheck information through my online bank account. The company posted an EST. Date of XX/XX/2022. On XX/XX/XXXX, I sent an email to their loan processing department to inquire about the status of my loan. They replied saying the application had expired. They stated that I need to resubmit another application. I replied by stating that I didnt think it was fair for them to run a hard inquiry on my credit while they let the application expired. So, I re-submitted another application, but I told them not to run my credit again. After re-submitting another application on XX/XX/2022, I was given another EST. Date of XX/XX/2022. I have checked my email several times, and I have not received any updates. I have all emails that I sent. I received several emails from the company stating that someone will get in touch with me either by phone or email. However, I have not received any form of response. The customer service only allows the consumer to update their emails or phone number.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, l noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID. The FTC complaint, a copy of the NPD report showing my information being exposed in a national database and a Validation of debt Letter.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to make a purchase using my Amazon credit card and use the XXXX in reward points toward the purchase. After submitting the order, I received a message stating that my payment was declined. I called the number on the card and was informed that Amazon declined it not the credit card company. I called Amazon and they said it was the credit card company. No one is explaining why my payment was declined and my points have not been refunded. I called again on XX/XX/26 and was asked to wait and again was refused an answer regarding the declined transaction. I did not want to use my account to make the full payment and was forced to because of this
Product: Debt collection

Harvard Collection Services LLC  XXXX XXXX XXXX XXXX XXXX, IL XXXX Is attempting to collect on a XXXX dollar debt that was paid in full over the phone more than four months ago. 

The money came out of my checking and went to XXXX XXXX XXXX XXXX XXXX XXXX IL. 

I hope this hasnt been hurting my credit score for four months because someone scammed me. 

The debt was on behalf of a stay at XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the following companies. XXXX XXXX and XXXX XXXX on my credit report along with multiple inquires which are included in my identity theft report. I have never established business with these companies, nor gave permission to these companies to run my credit report.
Product: Money transfer, virtual currency, or money service

I called Coinbase Support on XX/XX/XXXXXXXX  regarding a charge I disputed with them on XX/XX/XXXXXXXX  regarding a merchant called XXXX XXXX and a payment of {$39.00} that I used from my Coinbase Card using XXXX as the funds. I did not receive this product and informed them I wanted to dispute this transaction. 

When I called today ( XX/XX/XXXX ) I asked support about my investigation as I have not heard from them in the last 10 business days regarding my funds being returned. I was informed that the investigation was still on going and could take up to 45 days possible up to 90. After the call in dawned to me that I should still be owned a credit within the 10 days as they continued the investigation. I have checked all my spam emails and I did not receive an email from them regarding the status of my update after the 10 days, nor did I have the ability to view my case, except that my ticket within the app said closed, but nothing more than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to complaint number XXXX which has been pending for quite awhile. For about a week this case has been remarked as follows, " Account information disputed by consumer, meets FCRA requirements. '' In the first place, it is absolutely false that it meets FCRA requirements and in the second, I was never notified about their conclusion. This account was originally bought by a debt collector called " XXXXXXXX XXXX XXXXXXXX. '' It has been bounced around, named as as an " educational '' debt when it is a false charge for rent and damages to an apartment that happened to be owned by XXXX XXXX University. It is between a landlord and an ex-tenant not a school and a student. It has been inflated by thousands of dollars and reaged by over 3 years. There is no way I am going to pay a dime on this account under these circumstances. As previously stated, I broke a lease, they charged me for 2 months rent on a {$700.00} per month apartment then they tacked on damages that absolutely never occurred. I offered to have a payment plan with them only on the condition that would release my transcripts and now it turned into this. The actions of XXXX XXXX XXXX are 100 % illegal and I will not work with them. They need to remove this account from my credit report or I WILL hire an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Checking or savings account

This is regarding a business checking account and a merchant services account, The merchant services account was never terminated by the bank in XX/XX/XXXX. 

Citizens bank/ XXXX XXXX  has been debiting fees from my business account for seven years on a merchant services account ( XXXX XXXX ) that was supposed to be terminated in XX/XX/XXXX when we signed up with a new and lower cost merchant services option that was offered by Citizens bank named ( XXXX XXXX XXXX ). 
The local branch was to handle the termination of the old M.S.A when the new one was up and running. Apparently they did not perform this task. 

It was later discovered that during this time XXXX was either acquired or merged with the new titled organization named " XXXX XXXX ". It was the these " XXXX XXXX " debit line items that were not recognized on our business banking statements as charges from " XXXX link  '' and in fact was thought to be some type of third party charge for the new vendor " XXXX XXXX XXXX ". These fees started out very small and then increased and ranged to over $ XXXX/month for a total of {$5100.00} ( Seven years of admin fees on this unused account that was supposed to be terminated in XX/XX/XXXX ). 

When the problem was discovered : in XX/XX/XXXX I made a call to the new vendor " XXXX XXXX   XXXX. I wanted an explanation on what this fee was for and why was it so much? - it was at this time when it was discovered that this fee had nothing to do with the new vendor " XXXX XXXX XXXX. ". The XXXX customer support rep then informed me that the XXXX XXXX fees were from another Merchant services vendor - The old XXXX Link. 

I contacted my local Citizens bank in whom I have been with for over twenty years and they forwarded this matter to " The Chairman of the boards office ". This upper arm of Citizens were only willing to give a refund of the last month of fees and then months later threatened to shut my account down due to an " administrative error ". 
I am seeking the full reimbursement plus interest for seven years. ( {$5100.00} plus interest. ) At no time did Citizens or anyone inform us of this transition. Additionally we never received any XXXX XXXX statements, emails, yearly compliance forms or XXXX tax forms There was nothing ever sent to us that would have alerted that there was a problem and that the old XXXX  Link was now being called XXXX XXXX   and that they never terminated the account in XX/XX/XXXX as they promised. 

The other important issue that really concerns me is the greatly varied and sometimes high monthly fees on this unused merchant services account where no transactions have occurred in seven years.
Product: Checking or savings account

Upon opening the checking account with First Citizens, we advise the bank rep to remove overdraft protection of any kind. We did not want the bank to allow any purchases or debits to be paid unless the funds were availabe. We made this isssue abundantly clear. 

Attached you will find XXXX worth of overdraft charges. You will note by looking at the bank statement the XXXX is lumped together creating ambiquity with regard to what charges were in overdraft. 

On XX/XX/2021 at XXXX I called and spoke to a manager on the phone. She told me " someone '' had changed the overdraft charge coverage online. My husband and I are the only ones with access to this account and neither one of us changed the overdraft coverage on line. She told me she would adjust it. On XX/XX/2021, another overdraft fee was charged to the account. I called the bank again and the rep said he did not see that adjustment made to the account. 

It seems to me the bank is reluctant on following their customer 's requests for the sole pupose of generating fees. Disregarding a bank customers rights and entitlement to structure their account as an option available to them by the bank, lends itself to questionable business practices.
Product: Credit reporting or other personal consumer reports

# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
# 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ( Remove all Inquiries ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraud inquiry. Called and even have letter saying deleted. Still on report so disputed again and now the day will remain. Its fraud! For XXXX XXXX ss XXXX
Product: Credit reporting

I disputed with XXXX a XXXX XXXX XXXX account that appears in my credit file. I believe that the balance reported is incorrect. I believe that this account was paid and closed. I requested to Equifax to mail to me the account-level documentation used to confirm the accuracy of the information. For example, a signed contract, the terms of the contract, purchase and payment history, as well as the method used to compute the interest, fees and other charges applied to this account on a monthly basis.
Product: Debt collection

I have a numerous amount of inaccuracies on my credit report as a result of me being a identity theft victim. 
XXXX XXXX account opened XX/XX/XXXX for a total amount of {$890.00}. This account is derogatory on my report. XXXX XXXX XXXX  opened XX/XX/XXXX which is delinquent and a total of {$470.00}. Convergent Outsourcing which is derogatory in collection. Opened XX/XX/XXXX with a total of {$750.00}. There is also a numerous amount of inaccurate inquiries on my report due to identity theft for car loans and credit card companies. My XXXX  report also stated that my personal information was found on the dark web. Due to identity theft my credit score dropped over 100 points.
Product: Credit card or prepaid card

I needed urgent dental work done last XX/XX/XXXX XX/XX/XXXX and had no money available. The dentist suggested applying for a Care Credit card. The office let me know that they offered 12 months no interest. Because the promotional period is over, I've now been charged {$570.00} in interest all at once. My balance was down to {$1400.00} but because of this added interest it is up to {$1900.00} more than I owed originally for this one and only charge of {$1900.00}. I knew there was no interest for 12 months but was not aware that I'd be charged interest on money I've already repaid. This seems like a very unfair practice, it's like being charged twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a sent off for a copy of my credit report on XX/XX/21 and noticed I have a debt entry being reported twice..The company Comenity Capital Bank sold the account to XX/XX/XXXX on XX/XX/19.Both Comenity Capital Bank and XX/XX/XXXXXXXX XXXX are reporting the debt resulting in double jeopardy. I wrote Comenity Capital Bank to asked if this debt can be deleted and not being reported because they no longer have jurisdiction over this debt because they have sold it. They refused
Product: Money transfers

I sent an International online money transfer using Continental Exchange Solutions Inc dba Ria Financial XXXX in the amount of {$1000.00} ; they charged a {$7.00} fee for a total of {$1000.00}. Since I sent it to my own Bank Account abroad, since I could track the actual amount received by my Bank there, I realize that Ria Financial XXXX did not send the whole amount ; my Bank received {$980.00} and they applied the official exchange rate of XXXX XXXX = XXXX XXXX Dollar. Ria took {$12.00} out of my money and concealed it, using a lower exchange rate of XXXX {$2900.00} = {$1.00} XXXX XXXX. ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Credit cards are not populating on my Equifax credit report. I have collection items that are paid but are still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX XXXX BUREA-Date of Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX  identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 4 attempts to dispute items on my credit report with Transunion and XXXX and they are sending me letters refusing to investigate my disputes.
Product: Bank account or service

I went to the XXXX.The hotel requested someone in our group leave a card to open a tab. I left my tab and they agreed they would not charge my card, rather just have an authorization, as long as the tab was paid in cash or by another form of payment. The tab was paid in cash by another friend, and the hotel still charged my card, thus they incurred double payment.
Product: Checking or savings account

Chase Bank Re : Unauthorized Transactions on Checking Account [ Your Account Number ] To Whom It May Concern, I am writing to formally address a series of unauthorized transactions from my Chase checking account that transpired between XX/XX/2023 and XX/XX/2023. The details of these transactions and the subsequent communication I've had with Chase Bank have left me deeply concerned about the security and customer care standards upheld by the bank. 

**Details of Unauthorized Transactions** : - XX/XX/2023 : XXXX XXXX, XXXX- {$3700.00} and {$1000.00} ; and {$49.00}. 
- XX/XX/2023 : Internal Transfer from my savings to checking - {$50.00}. 
- XX/XX/2023 : XXXX- {$42.00}. 
- XX/XX/2023 : Credit card payments- {$1000.00} and {$2000.00}. 
- XX/XX/2023 : ATM withdrawal- {$1000.00}. 
- XX/XX/2023 : XXXX, XXXX XXXX- {$55.00}. 

Upon realizing on XX/XX/2023 that my personal belongings including my phone, wallet, and identification had been stolen, I contacted Chase immediately. Despite informing the bank representative of these unauthorized activities and instructing her to lock my mobile banking access, I discovered this was not actioned. Consequently, I took measures to enhance my online banking security. 

I was disheartened to receive a letter on XX/XX/2023, informing me that Chase considered all aforementioned transactions as authorized and would not reimburse the amounts. Subsequent communications with a supervisor named XXXX and other bank representatives added to my distress. XXXX indicated that the consistent use of my PIN for these transactions justified the bank 's stance. Yet, the absence of any PIN entry errors raises significant security concerns. Additionally, upon my request for evidence or audio recordings to corroborate this claim, I faced obfuscation and was provided an address to officially request the recordings. 

It's particularly disconcerting to note that during my interaction on XX/XX/2023, I was assured by Chase representatives that I wouldn't be held liable for these unauthorized charges. This now appears to be a baseless assurance.They also assisted someone pretending to be me and failed to ask proper security questions. 

The bank 's failure to proactively detect, act upon, or notify me about these glaringly unusual transactions is alarming. Not to mention the subsequent confusion and inconsistencies in communication. This experience has severely impacted my trust in Chase 's security protocols and customer service.

I kindly demand : 1. A rigorous re-examination of the unauthorized transactions.

2. Full reimbursement of the unauthorized amounts.

3. Provision of the requested audio recordings.

4. A detailed explanation of Chase 's security protocols and why they failed in this instance.

The gravity of this situation can not be understated, particularly given the assurance I was provided about not being held liable. I expect a comprehensive response within 15 business days.

Thank you for your immediate attention to this matter. Failure to resolve this situation satisfactorily may necessitate legal recourse.

Sincerely.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries to my credit i dont recognize Eqifax, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX