23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hello, I am disputing the charge of {$1000.00} charged on XXXX XXXX, 2014 by merchant XXXX XXXX with my bank ( Bancorp South ). For detailed information please refer to the attached document. 
Best Regards, XXXX XXXX
Product: Debt collection

I continue to receive calls from the CBE Collection group to return their call to handle a debt situation. I currently have an excellent credit rating with no outstanding debt, I keep current with regular payments and the record indicates that with on time, never late, and never missed a payment. Calls originate in XXXX and CA with the following caller ID 's XXXX ; other numbers received include XXXX ; XXXX associated with " US Treasury '' I would appreciate these uninvited/unwanted calls to stop.
Product: Money transfer, virtual currency, or money service

I opened an account on Binance and then on BinanceXXXX there is XXXX in cash on BinanceXXXX and I have been unable to withdraw it or use it on the platform. 

XX/XX/XXXX : Opened account on XXXX whilst traveling internationally ( in XXXX XXXX XX/XX/XXXX : Sent virtual currency XXXX XXXX XXXX to Binance to purchase other virtual currencies XX/XX/XXXX : Opened a BinanceXXXX account at request of app because of my location being in the XXXX XX/XX/XXXX : Submitted documentation for basic identity verification XX/XX/XXXX : basic verification was successful XX/XX/XXXX : Submitted documentation for advanced verification XX/XX/XXXX : Submitted support ticket ( # XXXX ) t to find the status of my account. Received an email stating that my application is going to be reviewed in the order it was received. 
XX/XX/XXXX : Submitted another support ticket XXXX # XXXX ) and immediately received an email stating they are working through a high volume of tickets and that I should not create anymore tickets because it will result in longer wait times.
Product: Debt collection

I received a bill from Credence Collection stating that I owe XXXX XXXX XXXX XXXX {$140.00}. That is not possible. Why? Because I returned all equipment to XXXX XXXX XXXX and I even received a VISA giftcard for approximately {$140.00} for amounts overpaid. 

I disputed the amount with Credence and sent them a certified letter with copies of my last XXXX XXXX XXXX bill which showed that I did not owe XXXX XXXX XXXX any money and that XXXX XXXX XXXX showed that I had a credit balance. 

I received a letter in the mail today that was dated XX/XX/XXXX by Credence. The letter states that XXXX XXXX XXXX verified that my charges are valid. I need someone to get to the bottom of this a fix this problem. Apparently, there is a lack of communication between Credence and the original creditor and Im the one who has to deal with the headache of potentially having my credit damaged for an account that I do not owe. 

On XX/XX/XXXX, I received a bill for {$300.00}. On XX/XX/XXXX, I received a bill for {$140.00}. Why two different amounts all of a sudden?
Product: Credit card or prepaid card

I have a pending application for a Capital One Quicksilver card. That has been pending since XXXX. 

I submitted my documents and Capital says there was an issue with my social security card being completely visible. I am resubmitting a 100 % visible copy of my social security card.
Product: Credit card or prepaid card

I had a store card in good standing ( all previous payments on-time and current ). One day while shopping I was offered a promotional discount to open a AMEX-Macy 's card ( I had a Macy 's XXXX XXXX the promo was for Macy 's AMEX ) . I later discovered when paying my bill that the two cards were not link ( as one payment ). I requested that we combine the 2 cards into 1 payment and verbally I was told they would. Later I started to receive calls stating that I had a balance owed- I communicated that I was told the bills would be combined ( I even received a credit for over-payment ). Macy 's created the confusion " by stating they would combine the payments '' then later saying that they couldn't. While attempting to resolve the confusion I didn't pay the AMEX thinking it had been resolved but the records hadn't been updated/corrected. My account was in good standing... they created and communicated confusion about how the matter could be resolved!
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

Company LexisNexis has multiple inaccurate criminal and motor vehicle background reporting for my records in the state of Connecticut. I have contacted them via phone and email communication starting X/XX/2017. During my contact I established ticket ID # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. I have received no response from the company after multiple contact attempt, last of which is on XX/XX/XXXX. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.
Product: Checking or savings account

Contacted USAA about inapproprate Calculation on CD Interest for two mons. Stated contacting on XX/XX/XXXX and had several call that went on answered on errors on Cd interest caslculations. Calculations was not calculated on a 3.50 % yearly interest or a 3.45 % daily.
Product: Mortgage

On XX/XX/XXXX I refinanced my mortgage from Freedom Mortgage to XXXX XXXX XXXXXXXX XXXX. My taxes were paid from my closing by XXXX of XXXX Mortgage on XX/XX/XXXX. Freedom Mortgage had already been paid off and I received an email from Freedom Mortgage on XX/XX/XXXX confirming that. On XX/XX/XXXX, 14 days after the mortgage had been completely paid off, Freedom Mortgage proceeded to pay my taxes in the amount of {$2100.00} out of my escrow account instead of refunding that money to me. On XX/XX/XXXX, the XXXX of XXXX refunded the the entire {$2100.00} back to Freedom Mortgage. I contacted Freedom Mortgage about my refund which should have been refunded to me with the rest of my escrow money and they told me that the money would be refunded to me by XX/XX/XXXX. They have already been holding this money for a month but I waited patiently. I called them on XX/XX/XXXX because I still had not received the refund. The person I spoke with said it was still pending. I told her that I was told that I would have the money by Wednesday XX/XX/XXXX and she said she doesn't know but it still says pending. So I asked to speak to a person who could tell me what where my money was. She put me on hold for a long period then came back and said her supervisor said the check went out on XX/XX/XXXX and that they had no control over the mail. She had just told me it was still pending and all of a sudden now she lies and says it went out and blame the post office? I asked her why they would send a {$2100.00} check through the regular mail when it should have been sent XXXX? She had no answer. I asked her if I would be receiving interest on the money they are withholding and she said no. I just had a XXXX XXXX on Saturday XX/XX/XXXX and got out of the hospital on Tuesday XX/XX/XXXX and I need this money which should have been refunded to me from my escrow account when my mortgage account was closed on XX/XX/XXXX.
Product: Debt collection

I have received over XXXX calls between XX/XX/XXXX and XX/XX/XXXX. Its an automated message that doesnt make much if any sense. I finally called them and reached a human. Was unable to obtain any information as to what this is related to. I do not claim ownership of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX  XXXX  # XXXX, account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Checking or savings account

On XX/XX/2022 a non-negotiable draft # XXXX drawn out of XXXX XXXX XXXX. was deposited in the amount of {$21000.00} to JP Morgan Chase Bank, XXXX checking account belonging to XXXX XXXX XXXX XXXX XXXX XXXX. The check deposit was made at a physical branch located in XXXX XXXX, FL. The check deposited cleared on XX/XX/2022, evidence can be found by looking at the online banking activity. 

After reviewing the available balance through Chase online banking on XX/XX/2022, an authorized signer initiated an online domestic wire transfer around XXXX in the amount of {$210000.00}. At the time of making the wire transfer the available funds were greater than $ XXXX. 

Later in the evening, ( around XXXX, XX/XX/2022 ) a text message notice sent by Chase XXXX there was a negative balance on the Chase checking account. The bank ( Chase Bank ) decided to put an " unreasonable special hold '' in the amount of {$20000.00} for a period of XXXX business days, same as XX/XX/2022. 

The Chase checking account ( " XXXX Account '' ) has been in " good standing '' since it was opened more than XXXX years ago. The account has never over drafted, there has never been any fraudulent checks issued, no fraud has ever been associated with the account whatsoever. 

The negotiable draft # XXXX is a non-local instrument which at XXXX would incur a XXXX business day hold. Let 's establish XXXX fact, the funds for check # XXXX in the amount of $ XXXX have cleared since the payee provided me with a detailed bank statement on XX/XX/2022 when a Chase customer service rep made me aware the funds were not available after talking to XXXX Bank. 

After speaking with a Chase customer service supervisor, " XXXX XXXX ''. XXXX XXXX explained the hold on my the account is due to the funds from the check deposit amount ( large sum ) funds which have not been collected. I tried reasoning with 2 customer service reps and XXXX XXXX but they failed to establish a reason to issue an unreasonable special hold wait period of 9 days. The Chase employees said the issuing bank XXXX XXXX XXXX  ) could not verify if the check had cleared on their end. 

This entire scenario has been blown out of proportion. It is the beginning of the month and the account can have automatic payment deductions for my debt obligations. Chase bank is placing my credit score at risk of endangerment if I can not meet these debt obligations. Furthermore, under XXXX " XXXX '', the bank has failed to provide me with a notice for an extended special hold and their reasoning for placing a 7 business day hold on funds which have already been cleared by the issuing bank. This alone is non compliance of XXXX " XXXX ''.
Product: Checking or savings account

I rarely use my Chase account because of the way they do business. On XX/XX/2018 I refeceived a notification on my phone that my account would go negative from a pending tranaction that hadnt happened yet. I had been told in the past that money needed to be deposited by XXXX EST to avoid insufficient fund fees. Rather than going to the bank I used XXXX since it is promoted as instant money. I sent it from one of my other bank accounts to Chase and within minutes it said it was in my Chase account and that I had a XXXX balance instesd of potentially negaitve. I woke up this morning on XX/XX/XXXX so another alert from Chase that my account was negative. It was an insufficient funds fee! I called Chase and the first customer service person repeated the same thingd over and over saying that the deposit had to be in before XXXX EST to get in. I explained that there is no disclaimer alerting customers to this with XXXX or Chase and that my Chase app said I had a XXXX balance! I then asked to speak to XXXX who apparently is a manager and did nothing to help me. She just repeated their policy over and over again and actually went through a checklist saying things like I have explained our process ... and I have set expectations .... I am happily closing my account today but this fraud needs to STOP and I want my insufficient funds back to me from Chase for all the times this year that they came up with and excuse. One time I put cash in before XXXX then ak was told it had to be by XXXX = fee, etc etc.
Product: Mortgage

My loan was serviced by Cardinal Financial. The loan was transferred to a new servicer on XX/XX/2021. 

I made a payment through my bank 's automated bill pay service on XX/XX/2021. The payment was processed on XX/XX/2021. 

The payment was not transferred to my new servicer. 

I have contacted all 3 parties involved : New servicer claims the XX/XX/XXXX payment was never transferred. 

Bank claims the XX/XX/XXXX payment was processed by Cardinal Financial.

Cardinal Financial has made various claims. Initially, they claimed a payment was never received/processed on XX/XX/XXXX. After providing them documentation from my bank that there was payment made, they claimed that the payment was forwarded to the new servicer. 

I asked for documentation to show proof that the payment was processed and have not received the requested. I have requested it 3 times since XX/XX/XXXX, and have not received it to date ( XX/XX/XXXX ).
Product: Money transfer, virtual currency, or money service

I am filing this complaint because PayPal has suddenly limited my account, citing alleged " unusual activities '' that they claim are not in agreement with their user policy. However, they have not provided any clarification or specific details about the issue.

I recently opened the account and have barely used it, so I do not understand what triggered this action. Despite my attempts to contact PayPal for an explanation and resolution, they have not provided any meaningful response.

This situation is causing me significant inconvenience, and I am concerned about the security of my personal data. I am requesting CFPB 's assistance to resolve this matter and ensure that PayPal provides a clear explanation and restores access to my account or deletes my personal data from their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment regarding the handling of the 15th attempt to remove fraudulent items. The persistence of these fraudulent items, despite repeated attempts to address the issue, is unacceptable and demands immediate and decisive action. Despite countless assurances and previous attempts, the fraudulent items remain unresolved. This ongoing failure not only undermines the credibility of the process but also raises serious doubts about the competency and commitment of those responsible for rectifying these issues. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. With this, I am asking for your assistance to remove fraudulent items : DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have tried several times to request a FULL DISCLOSURE of my contract with Wells Fargo. To be exact I want a FULL ACCOUNTING OF THE PERFORMANCE of the contract meaning I want well Fargo to provide the full ledger credits and debits on ALL accounts opened in my name that includes any accounts opened in escrow. I have given authorization to my attorney in fact to request the same and to handle the account and he has not received anything as well-. In addition I have sent a Notice of Subrogation and Substitution, and Notice of Recession of SECURED interest however no solution has been reached and I am requesting arbitration and a cease and desist of the sale of my property
Product: Debt collection

Today XX/XX/XXXX XXXX, I ( XXXX XXXX ) was contacted by a representative of XXXX XXXX XXXX XXXX let me know legal action would be taken to collect debt that was only recently brought to my attention. I go to look about this debt and have found it was sold to them from Citi Bank, further investigation found the account opened in XXXX, not by me, but by my mother XXXX XXXX. Found she was listed on my credit report as secondary name, since put in a report to have her name removed from the credit report. My name is also spelled wrong, which i also put in a dispute for. I am not the owner of this debt, i am not the account owner nor do i have access to the account. I do not have a citi bank card nor have i ever. Please let me know the action i need to take to prove this. 
In XXXX i was a XXXX in XXXX  living off of my XXXX refund, no access to a card at all. this is impacting me and my life negatively and the contacting from collection agencies i feel are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  Acct # XXXX ( Personal Loan ) XXXX XXXX XXXX # ending in XXXX ( Credit Card ) XXXX XXXX  Acct # ending in XXXX ( Credit Card ) XXXX XXXX Acct # XXXX ( Collection ) XXXX Acct # ending in XXXX XXXX XXXX Acct # XXXX Bankruptcy XXXX XXXX Reference # XXXX Bankruptcy XXXX  XXXX Reference # XXXX have all violated my rights. 
15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for a home loan and and discovered that CMRE Financial Services was reporting medical debt collections for 3 accounts we were not aware of. They scored our credit a week prior and none of these collections were there. Also, in the reports they sent the mortgage company there is mention that the accounts were reraffirmed from Bankruptcy. We have never filed for bankruptcy and have maintained credit scores near 800 for several years. Once we were told about the medical debts which totaled {$310.00} We immediately called and paid those bills. We asked the company to delete the reports since we never received these bills and the statements having the reaafirmed from bankruptcy on the actions. They refused to delete the claim and were not cooperative when we asked. The reported collections have been paid and we need them deleted to rescore immediately because the small issue is inaccurately bringing down our credit scores.
Product: Debt collection

Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by XXXX XXXX  XXXX, law firm, for same debt. I have disputed, and Capital One simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 Capital One accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.
Product: Debt collection

Dish network installed a dish, on the side of my house and I explain to them that I am a XXXX veteran and I can not remove the dish off the side of my house. They need to bring a technician out here and they refused to now theyre trying to charge me in collections for the equipment I keep telling them over and over again that they need to pick it up because I cant get it down. I am XXXX XXXX XXXX and disabled. I cant climb a ladder and I cant get the dish off my roof but they keep refusing to come and get the equipment so I am in a state of dilemma, and they know it because Ive told them over and over again and now theyre trying to take me to collections to charge me for the equipment. All they have to do is come and take the dish off the roof in the equipment is already in a box. The person only Hass to come and pick it up, but they refuse