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

On XX/XX/year> I deposited cash into the US Bank ATM located in the XXXX XXXX XXXX XXXX XXXX  and XXXX in XXXX XXXX. The ATM took my {$900.00} cash ( all {$100.00} bills ) and then went to the welcome screen. No receipt was given and no funds were deposited or returned. I have called and went to the bank branch and each time I was told there was no fault on the depositor that day. Obviously there was as I never received my deposit or cash.
Product: Debt collection

received the following email on XX/XX/XXXX : I have no idea who these people are. 

Case File Submitted on XX/XX/XXXX DEBT SETTLEMENT Failure to respond may result in a warrant being issued for your arrest. 



Hereby we inform you that you are obliged to come as a defendant to the District Court of Appeals on XX/XX/XXXX, at XXXXXXXX XXXX for the hearing of your case of defaulting on a LOAN, CASE # XXXX. 



XXXX XXXX XXXX has filed a lawsuit against your Name and Social. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in the process of informing the Social Security Administration & major Credit Bureaus as well. 
You are summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 485 ( c ) we are automatically authorized for filing this petition and taking any action to collect this debt from you.

We are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately.

A violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly.

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Then on XX/XX/XXXX i received this : We are talking about the loan amount of $ XXXX that you took with A XXXX XXXX XXXXXXXX XXXX XXXX they do have a signed copy of the contract which is signed under your E-mail address and SSN, and was also traced when you were signing the contract with the company. 

ACE Ace loan online, it is a parent company which owns and operates more than 350 websites, you applied from one of our websites and you never bothered to pay this debt, so the creditor wants to know your intention about this matter that what would you like to do whether you are willing to resolve this case or you want to dispute. 

The XXXX XXXX has more than 14 types of technical evidence in order to prove the money was successfully deposited into your bank account which was a checking account. 

If you are willing to resolve this case then we can provide you a one-time settlement offer of {$500.00} That has to be paid till this Friday as paid in full with XXXX balance.
Product: Checking or savings account

Discover bank charged me {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. And they closed my account in XX/XX/XXXX. I didn't receive any notification about this until they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : EXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I went to South Carolina to begin my XXXX XXXX for the United States XXXX while down there I had none or very little access to phones, internet and even my money because we were training to become XXXX but while I was down there my banking account had been compromised with navy federal leaving me with XXXX cents due to atm withdrawal fees over XXXX $ During the time I was in XXXX XXXX which I didnt need know where near that kind of money and the atm chargers where nowhere near close to where I was at the time and I told navy federal I could prove it with documentation I was in XXXX XXXX. when I had got my phone back after two months on XX/XX/XXXX family day and checked my bank account I found out somebody had stole my identity and acted like me guessing my code word to navy federal and changed the pin to my lost/stolen card because I didnt give anyone permission or know anyone personally who would steal my money and the police are investigating now to access it so I changed everything about my navy federal account new routing number, new pin, new code word. I asked did they need any of my documentation for the credit provisions they were giving me and do I file a police report with them or the cops and I did it with the cops they told me no even though I couldve provided it so on XX/XX/XXXX I was negative the balance that was stolen from me and the credit provision so I called navy federal they were very rude and little to no help at all the call center representative told me I was denied because a third party who we both dont know who it is, said I gave written permission to spend my money so they denied it without even verify sources after I told them I dont know who stole the money and my card was lost then stolen that was the second time they let somebody act as me on behalf of my account the fraud supervisor XXXX or something hung up on me after she said she couldnt do anything to help me which was very rude. I just want to get my money back and how does navy federal keep letting my account get compromised if I try to go threw all these precautions measures to not!
Product: Debt collection

I was out of state XX/XX/XXXX-XX/XX/XXXX, just returned on XX/XX/XXXX and noticed debt collection notice from debt collector TRANSWORLD SYSTEMS INC that I owe {$55.00} to Creditor XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. Debt collector claims on notice that " they have not received a response from me regarding my past due account. Previous attempts by our office requesting that my account be resolved have been unsuccessful. '' I have concerns on this notice. 
a. I have received no email/phone/mail communication either from XXXX or from Debt collector, so this is statement is FALSE that they could not get any response from me. 
I called XXXX but they kind of bypass my this question, when I asked for proof that they ever contacted me. 
b. Notice is incomplete. It just has an invoice number and thats all. It does not have any proof of attachment for additional details or invoice copy. 
c. Debt collector does not have complete info on what this debt is and claiming that I left something with XXXX in month of XX/XX/XXXX I don't recall of using XXXX in month of XX/XX/XXXX. I used XXXX in month of XX/XX/XXXXto ship my passports for XXXX consulate. 
Debt collector has no further information on it. I asked for copy of invoice that they are going to send over within 30 days ( hopefully soon ). Once I receive I will be able to understand what this amount is for? I don't recall. 
d. I called XXXX today at XXXX PST at XXXX and asked for further details. They claim that I mail something to myself in month of XX/XX/XXXX. I am sender and receiver of package both. This makes no sense to me. I don't use XXXX at all unless it is for documents sending to someone else. Why would I do that. XXXX has opened XXXX claim : XXXX today and hope to receive their reply in 1-2 business days. 

I am extremely upset by approach that XXXX used and/or their debt collector used and falsely claimed. Notice came off as threat to me demanding debt $ amount for which debt collector has no supporting claims/documents/calls/emails/mail proofs and is incomplete and falsely claimed that I was contacted. I am so on top of my payments always and check my mails twice a week to make sure I not miss any payments/dues etc. This is surprising, frustrating, adds anxiety, stress, disrupts people 's lives, not ethical and above all not correct way of doing business.
Product: Debt collection

American Medical Collection Agency is trying to collect on the medical bill that was paid directly to the medical provider, through HSA account. Despite numerous attempts to request AMCA for the debt validation, the continue to harass me with their collections. Also the amount they trying to collect does not match anything that I was ever billed for.
Product: Credit card

Subject : Complaint Regarding Chase Bank to CFPB Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding an issue with a refund from a merchant. In XXXX, I received a refund of {$680.00} fromXXXX However, Chase Bank erroneously charged me for this amount, insisting that it was a debt that needed to be repaid. Furthermore, they added an additional {$13.00} as interest on this supposed debt. 

I want to emphasize that this refund was rightfully mine and not a debt owed to Chase Bank. It is unacceptable that they are attempting to coerce repayment, especially with added interest, for funds that are rightfully mine. 

I kindly request that the CFPB investigate this matter thoroughly and ensure that Chase Bank rectifies this situation promptly by rescinding the erroneous charges and reimbursing any associated fees or charges incurred. 

Thank you for your attention to this matter. 

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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I answered a solicitation form Capital One ( Walmart ) and got a denial letter on XX/XX/XXXX. I contacted credit reporting agencies and got 3 of 4 reports from, XXXX, XXXX and XXXX and await number 4, XXXX. No report shows me as deceased. I wrote back to Capital One to ascertain who was reporting me deceased and on XX/XX/XXXX they sent my a repeat of the original rejection letter of XX/XX/XXXX not indicating who had made the erroneous report. I am not sure what to do. Credit reporting agencies have no mechanism for me to seek relief. Can you advise me or must I sue Capital One in order to find out who is misinformed?
Product: Debt collection

On or around XX/XX/XXXX I received an email notification that I had a package ready for pick-up at XXXX. I was confused as I had not ordered anything and the label said " Hold at Location ''. The box contained an XXXX XXXX XXXX XXXX, which I did not order. 
I contacted the company that sent it, which is XXXX XXXX XXXX. They did not have an account for me and had no idea why I was sent a phone. Since the Federal Trade Commission states items not ordered but still sent can be kept or sold, I sold the phone on XXXX XXXX, XXXX. 

On XX/XX/XXXX I received a letter from a collections company named XXXX XXXX XXXX saying I owed {$1300.00}. Letter says original creditor was XXXX XXXX XXXX and the current company that owns the debt is now Security Credit Services LLC. 

I called my local Police department on XX/XX/XXXX and filed a report. Police officer advised it sounds like ID theft.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well.

I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial well being
Product: Money transfer, virtual currency, or money service

I had checks deposited into my account and money been sent out without my consent. I know its been a scam because I never lived in XXXX XXXX or XXXX I been in XXXX  all my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports :
Product: Checking or savings account

Hello, While I'm not sure I can explain this the best via this contact form, I feel that many other people suffered from the same experience I went through and know it's a massive problem. When the Stimulus Check was applied to our Bank of America account 's, if they were in a negative balance, it was applied as a credit to the account, this credit was applied to be used, as in if you logged into your account the money would be there, if you spent the money, the account would use it. 

As a normal person, you'd assume the money existed. This wasn't the case. Even though I added funds to my account inbetween that, it wasn't until I was next to {$0.00} that it retroactively applied, then changed my account statement to show that the credit never existed in the first place, after almost two months too. It changed every transaction to show it didn't exist, which is very easy to prove, as if it didn't then multiple charges wouldn't have been approved. It was only after, when they deleted the credit and applied it retroactively that it shows negative balances on transactions. Transactions that would have never been allowed if they didn't create such a false narrative and allow people to spend money that they were going to take back and retroactively change statements with. 

To me this is a massive problem. Imagine being a consumer, struggling to get by, checking you account, thinking you have money, buying food just to have your account change overnight, just because they could circumvent the law by giving you " credit '' to just to take it back then hit you with multiple overdraft fees when it benefits them the most.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bottom line, i was told by XXXX XXXX that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.
Product: Mortgage

Last fall, Freedom Mortgage informed me that they had not received notification of the renewal of my home insurance. Twice I uploaded the info to their website but the website apparently didn't work. On the third attempt XXXX XXXX XXXX, XXXX ) I succeeded. I received an email response that " No further action is required at this time '' ( email attached ). Nevertheless, Freedom Mortgage took {$400.00} ( to escrow for insurance XXXX from my bank account, without permission, on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX XXXX statements attached XXXX. 
I had decided to refinance anyway and on XXXX XXXX, XXXX, this loan was paid off XXXX payoff attached ). The attached " History '' provided by Freedom Mortgage shows that on XXXX XXXX, XXXX they paid {$2100.00} and refunded {$1200.00} with the payoff refund. For the last three months, I have requested the difference of {$810.00} several times by phone, and once by written correspondence. To date I have been told that " you don't understand '' how this works and that once the account is closed they " can not do anything ''. This is unacceptable. 
Thank you for your help.
Product: Credit card or prepaid card

Capital One has wrongly charged Late Fees and Interest. They have agreed that these charges are in error, but they refuse to revise my Statement. They insist that I must pay the false charges now, and that they will credit my account later. Forcing customers to advance money INTEREST FREE, so that they can reimburse it months later without interest must not be allowed. 
Background : Capital One recently assumed management and control of XXXX XXXX Visa credit cards. 
My most recent XXXX XXXX Statement ( attached ) indicated {$28.00} was due on XX/XX/18. 
This amount was paid on-time by XXXX XXXX XXXX XXXX. ( receipt attached ) .XXXX XXXX  has admitted that they have not completed importing all pertinent data, including my recent payment. This is still a work-in-progress, yet they have charged Late Fees, Interest on Purchases and have now suspended my card and associated " points. '' ( CapOne Statement attached ) Multiple calls to CapOne Customer Service have resulted in their recognizing their errors and crediting the Late Charge. They say it is too late to Credit the Interest Charge now, and it must be paid. 
I have no idea how many unsuspecting customers have been wrongly charged Fees and Interest because their payments have not been recognized. I feel that Capital One has violated numerous Banking and Accounting principles, and may have acted illegally. 
Capital One should never have rushed to charge customers Fees and Interest before they had imported all data and performed a careful reconciliation. Please investigate Capital One and take all necessary actions to see that customers are protected and that this never happens again.
Product: Bank account or service

HSBC Bank was a revolving credit account I opened in XX/XX/XXXX. I filed for XXXX XXXX Bankruptcy on : XX/XX/XXXX, and HSBC was included in the filing. I paid on this account for over two years after filing bankruptcy until HSBC Bank discovered I filed for bankruptcy two years previous, and my account was closed. The closing date that this account was reported to XXXX was XX/XX/XXXX, which should have been corrected as : XX/XX/XXXX. 

I sent previous letters to HSBC Bank with no response. My most recent letter was faxed to their correspondence department on : XX/XX/XXXX, and I have never received any response from HSBC or to XXXX. I requested that HSBC contact XXXX regarding the error to update, and correct the closing date so XXXX will delete the account with HSBC Bank from my XXXX file. 

XXXX has never had any contact by HSBC to remedy this correction. HSBC Bank has been the most difficult business as they will not respond to my letters, and after charging-off my account, they generated XXXX electronic checks, and withdrew funds from my personal checking account without my knowledge or authorization in XX/XX/XXXX.
Product: Credit reporting

Equifax continues to report this erroneous, unverifiable, inaccurate account on my credit report. I have disputed this account ( XXXX ) with this bureau on 4 occasions and each time it was verified. In XX/XX/2016, I disputed this account with XXXX XXXX XXXX, XXXX, who at that time was reporting this item. I received this letter from them in XX/XX/2016 where they indeed stated that they had submitted a request for each bureau to remove this item. It is now XX/XX/XXXX and Equifax is still reporting this item. Additionally, how are XXXX collection agencies attempting to collect this same debt. Equifax is allowing XXXX XXXX and XXXX XXXX to report. That is against the law. XXXX collection agencies may not attempt to collect on the same debt. This bureau has been relentless in reporting and updating my credit reports. These accounts should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put 2 disputes in with experien, XXXX for a cable bill from XXXX years ago with XXXX and one with XXXX for a XXXX  that was surrendered, then sold and debt was paid but still showing that I owe XXXX dollars. Experian disputed XXXX totally different accounts that I have currently in good standing! 
Now my XXXX  company is XXXX did 2 disputes on the wrong companies! 
So now what do I do???
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

This complaint is in reference to an email that I received on XX/XX/2021 stating that my credit card account will be terminated if a payment is not made. I must first start off by saying that is fraudulent. Pursuant to 15 U.S. Code 1602 ( j ), this card is supposed to be an open-end consumer credit plan, which leads to the billing errors ( see attachment labeled EXHIBIT B ) Pursuant to 15 U.S. Code 1666 ( b ) ( 1 ). This is false and misleading ( 15 U.S. Code 1692e ( 2 ) ( A ) ) being that the balance is reflecting in a positive amount ( see EXHIBIT A ) when in FACT it should reflect in a negative amount. The statement also states that there is a payment due, how can a payment be due in an open-end consumer credit plan? This constitutes as unauthorized use pursuant to 15 U.S. Code 1602 ( p ), if I use my card and have to pay it off, it serves me no benefit which means you are misusing my actual credit card ( SSN ). Again, that is false and misleading. I am a consumer and owe no allege debt. Also, pursuant to 15 U.S. Code 1637 ( a ) ( 1-3 ), you are required to give disclosures as to how your rates are calculated and not just a number. According to the statement labeled EXHIBIT A, there is an APR associated with my, Self visa card. This means that there is a finance charge associated with the card, which means a security deposit was fraud because pursuant to 15 U.S. Code 1605 ( a ), The finance charge does not include charges of a type payable in a comparable cash transaction.