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

On XX/XX/year> we ( my wife and I ) received an email from Huntington showing a transaction from REVERSALXXXX XXXX. XXXX. Charged from my wifes debit card ( which has a different card number than my card ). The transaction was for {$1.00} and a reversal was also processed for - {$1.00}. Since no funds were taken and my wife uses her card from time to time we assumed maybe it was something she signed up for and forgot about. At that point in time we just disabled the cards and left it to monitor activity. 

Today, XX/XX/year> I received a fraud alert from Huntington bank stating a {$47.00} authorization was attempted on my disabled card from XXXXXXXX XXXX XXXX XXXX. I called in and asked for a new card, but I also asked for them to verify if my card had any transactions previously since I dont remember ever using my debit card and since I keep my debit card in a locked safe that only I have access to. The person on the phone didnt understand what I was saying, so I escalated the call to a supervisor. The supervisor understood my concern, but offered no additional support. Thankfully my wife works in fraud for another bank, so I knew what to tell the supervisor I wanted them to do. 

For additional details, this account has been open less than a year, the debit card has never been used ( according to the Huntington rep and my memory of use of the card ), I know for certain this card has never been added to any of my online accounts and the card is secured in a place that only I have access to. When it was only my wifes card being attempted, it made sense that someone could have possibly gotten her information to charge the card. Now that my card has been attempted, given all the information provided above, it leads me to believe that Huntington has a data breach theyre refusing to address or look into. 

These matters should be taken more seriously especially when the customer ( me ) explains that no one has had access to that card, so no one should have been able to charge the card. To me, this seems like it may be an account take over, a data breach by Huntington, or some other very serious issue that shouldnt be written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is against - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX TD Retail Bank services XXXX XXXX XXXX XXXX XXXX XXXXXXXX I purchase cell phone XXXX XXXX XXXX XXXX XXXXXXXX - intially with XXXX XXXX I fully paid the financed service. After that XXXX financing continued to charge me for XXXX care and XXXX XXXX service. In XXXX XXXX phone broke up and XXXX XXXX insurance coverage XXXX- couldn't replace my cell phone stating- " we do not carry XXXX Note XXXX XXXX any more '' and agreed to refund me a check. When this happens I notify XXXX financing as well as TD bank customer service personell- to cancell XXXX XXXX and XXXX XXXX service-since they did not replace phone to me. 
As of XXXX, XXXX I cancelled XXXX XXXX and XXXX XXXX service via phone calling XXXX XXXX directly and TD bank- that was right after XXXX XXXX XXXX XXXX issued me refund check. 

As of XXXX, XXXX no billing shouldn't be issued under my name. However, XXXX financing continued to issue billing for non existing service. Not only monthly billing adding late charge for non existing service. I called multiple times to customer service they apologized all the time and verbalize agreement for not to issue charge or issue bill as of XX/XX/2023. However, company is falsely sending bill as if i am i am receiving service from them. When i called XXXX care blaming TD retail card service for Issuing charge and vice versa. 

I tried to search their adress to file complaint via XXXX  or open legal case aginst them and couldn't find adress other than postal adress writing in top. 

I am wrting to let them know that i am very disappointed about the game they are playing and disputing the all charges charged issuef as XXXX, continually till XX/XX/2023 Please cancel issued charge for non existing service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to my XXXX XXXX CC. I opened the card in XX/XX/XXXX and have always paid on time and more then what we asked from me. I opened this card to help with my credit issues and to help bring my score up. 
I have enjoyed being able to have this card up until XX/XX/XXXX when I received a notice from XXXX  that I was reported 30 days late from XXXX XXXX. I was very confused since I made a payment on XX/XX/XXXX in the amount of {$200.00}. I called and spoke to a manager by the name of XXXX that explained to me that it should not of happened since XXXX XXXX doesn't report until at least 60 days past due. She explained to me that I was only charged one late fee, that she removed, and it does not show late. XXXX then informed me that she was going to write in my account that this needs to be removed and for me to send a fax to XXXX. 
I faxed a letter out explaining my concerns and on XX/XX/XXXX I received a letter stating that it would not be removed. I find this unacceptable since I have been a customer that has been in excellent rating with you and also on auto draft. I know that when I was talking with XXXX I explained to her that I never received a notice letting me know that my account was past due nor that my payment did not go through. XXXX explained to me that this company does not do that. I looked into to it farther and noticed that before when my payment did not go through, it inform me and also let me know if the account was past due. 
I have enclosed that evidence. I have also included copies from the three credit reports where it shows different reporting. XXXX  report shows that I always paid more then what was due but not on the other two credit reports. XXXX  credit reports shows no past dues but states 30 days. XXXX   shows paid on time but past due as of XX/XX/XXXX which my payment is not due until the end of XX/XX/XXXX. All the reports show a different outstanding balance on them as well. XXXX   shows date of last payment being XX/XX/XXXX but its late as of XX/XX/XXXX. It doesn't state anything where is has a delinquency first reported on it. Transunion shows Current on worst pay status. 
I am just hoping that we can resolve this issue since it is not reporting correctly. 

I am asking for the 30 days to be removed due to inaccurate information on all three credit reports and not informing me when the payment did not go through since it has been reported to me in the past along with when the payment was posted and if over my limit. 

Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice was sent several times to XXXX, Experian, XXXX. I humbly requested XXXX, Experian, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for XXXX, Experian, XXXX to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand XXXX, Experian, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that XXXX, Experian, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers.

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, XXXX, Experian, XXXX must comply with my written instructions. I have given XXXX, Experian, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

XXXX, Experian, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX XXXX / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX  XXXX / Account # XXXX - XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX / Account XXXX XXXX - XXXX XXXX/ Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX  / Account # XXXX
Product: Credit card

I am writing to bring to your attention a matter of concern regarding a dispute with Chase Bank, which I believe may involve violations of consumer protection laws within the state of Florida. 

I received communication from Chase Bank regarding a disputed credit card account allegedly associated with my name. Despite repeated requests for documentation and evidence substantiating their claims, Chase Bank has failed to provide me with sufficient proof of account ownership or liability for the charges in question. 
The communication from Chase Bank, suggests that they have concluded their investigation and are holding me responsible for the charges on the disputed account. However, I have not been provided with any documentation demonstrating my connection to this account, such as signatures, emails, or other relevant information. 
I believe that Chase Bank 's actions may violate several state laws and regulations governing consumer financial transactions, including but not limited to : Florida 's Deceptive and Unfair Trade Practices Act ( FDUTPA ), Chapter 501, Part II, Florida Statutes, which prohibits unfair or deceptive acts or practices in trade or commerce. 
Florida 's Consumer Collection Practices Act ( FCCPA ), Chapter 559, Part VII, Florida Statutes, which regulates debt collection practices and requires debt collectors to provide accurate information to consumers.

Florida 's Identity Theft Protection Act, Chapter 817, Part II, Florida Statutes, which establishes procedures for victims of identity theft to dispute fraudulent accounts and charges.

I respectfully ask that you provide guidance on the steps I should take to protect my rights and interests in this matter. I am prepared to provide any further information or documentation that may be required to assist in your investigation.
Product: Money transfer, virtual currency, or money service

Subject : Request to Reinstate My Personal Paypal Account : XXXX Dear CFPB, I received email from Paypal with this information saying that my Paypal account was Permanently Limited due to sale of XXXX oriented materials or services ( as stated in PayPal ( Ref ID - XXXX ) ) which is NOT TRUE because I have been using this Personal Paypal Account for over 10 YRS now in my VA Freelancing Services. I am NOT aware of and have no knowledge about that, hence I am only selling Digital goods and Services that include Copywriting, Content Creation, SEO Keywords Research and Competitors Analysis, Web Design, and content creation and Social Media management where I deliver to my individual clients and the clients pay me per task or per project. I have attached the Summary of Invoice for the month of XX/XX/2023 at the bottom. Kindly see the attachment. 


Please HELP to reinstate my personal Paypal Account as I am losing income from services that I have been receiving on a daily basis from my Clients since I cant use this paypal for permanent limited reasons. Here is the detail of my Paypal Account for your reference ; Nature of Request : Reinstate and lift the PERMANENT LIMITATIONS Paypal Address : XXXX Paypal Name : XXXX XXXXXXXX Hoping for your immediate action on this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, Chase reduced my credit limit by {$4500.00} ( from {$12000.00} to {$8000.00} ) the amount of available credit I had on a credit card I have with them after making a payment of that size. 

I made a significant payment of thousands of dollars on my Chase card to have more available credit and improve my credit. Immediately after making the large payment, Chase reduced my credit limit just above new, lower balance, thereby rendering my card fully utilized and effectively nullifying any financial improvement or benefit of the sizable payment. 

I made the hefty payment to Chase to open up available credit so that my card would not be fully utilized. The available credit would have helped improve my credit score and general financial standing for my finances in the future. Reducing my credit limit, immediately after making a payment, just above my lower balance sets me back financially and prevents any potential improvement with my finances and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My Social security number was used to open a Credit account with Genesis Credit Card services back in XX/XX/XXXX. Account number : XXXX. The amount owed after the late fees came to the total {$480.00}. 

I found about the charges earlier this year XX/XX/XXXX, and tried to dispute it. XXXX XXXX XXXX XXXX, debt collector denied my dispute XX/XX/XXXX and claims that I still owe the amount due. {$480.00}. I have repeatedly showed them tax documentation and called several times to prove my identity, but they continue to deny me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Email : XXXX I have lived in California since XXXX and have never moved out of state. My home address, has been my billing address since XXXX. I also filed a report with identitytheft.gov and submitted the documented letter to XXXX XXXX on XX/XX/XXXX.
Product: Debt collection

Im having a problem with a company called Trident. They are calling me on a regular basis in regards to my grown daughter that lives in another state. They are harassing me. They called me XXXX the other day. The lady raised her voice at me??? They called my daughters fathers girlfriend also. He has only been seeing the girl for several months. Do n't know how they are getting the numbers. Please make it stop.
Product: Debt collection

In XX/XX/2019, XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX sent a summons for court on behalf of XXXX XXXX XXXX for the amount of XXXX. In XXXX we had pre trial conference in which I stated this was not my account. Documentation was sent back and forth and in XX/XX/2019 we were set for trial. The judge ordered the case to be dismissed in XXXX because LVNV Funding did not want to proceed due to lack of evidence. I requested this account be removed from my credit report which is was but then put back on my credit report.
Product: Checking or savings account

BMO advertised a {$500.00} bonus for their Checking and Savings, which includes a {$400.00} dollar bonus to open a checking account and a {$100.00} bonus to open a savings account within a time frame. Account was opened in person in XX/XX/2019, and the promotion code was put in by the banker and confirmed to be applied by her. A copy of the promotion terms and conditions was printed and provided to me at the time of account opening. I met all the requirements for the bonus, and only received {$400.00} for the checking account not the {$100.00} for the savings account. When called and inquired details, representative said it's because the promotion code was not applied when Savings was opened? And they can't do anything but to send my question to the banker who opened the account to resolve it. Time passed and nobody ever reached back to me, tried two more times including calling and online messaging them. They always promise to escalate it and have the banker reach out to me, but nothing never happens. I did a research online and found a number of other people were having the issue ( not receiving bonus and fail to pursue it even though all requirements are met ).
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS PAID THROUGH GARNISHMENT OVER A YEAR AGO AND XXXX GENERAL DISTRICT COURT WAS NEVER SENT A LETTER OF SATISFACTION! JEFFERSON CAPITAL SYSTEMS LLC COLLECTED ON BEHALF OF XXXX XXXX AND NEVER REMOVED IT OR SENT LETTER OF SATISFACTION AND HAS BEEN OVER A YEAR AND A HALF!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiply times to dispute the inaccuracy of this account from account : XXXX XXXX XXXX. 
XXXX XXXX is reporting a past due balance on an account that is charged off. It also reporting different balances and dates across a three credit bureaus. I have reached to both XXXX XXXX and all three bureaus. No attempt at fixing the issue. I believe this account is being reported is in violation of the FCRA laws.
Product: Debt collection

I just received a phone call at XXXX today, XX/XX/XXXX, from Huntington 's collection department for a debt that doesn't exist. 

I recorded that phone call as I have asked, in writing, not to be contacted by their collections department multiple times. 

This mortgage has been paid ahead since they received it and their system deficiencies continue to cause the false flag of default. They have been informed and are more than aware. 

This is harassment. 

While they have continued to falsely mark my valid new complaints as duplicates in an effort to ignore me, I will continue to file them for my legal record keeping purposes. 

Every single communication and violation will be reported through this channel.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get anyone on the phone.
Product: Vehicle loan or lease

On XX/XX/2018, I visited XXXX XXXX XXXX to view new vehicles since my current lease was terming out in a few days. XXXX XXXX, salesman, assisted me on choosing the vehicle that I wanted. I agreed on the vehicle of my choice, so the process continued with the financial portion of the deal. I spoke to XXXX, who was the lease dept. As part of the agreement, the dealership would taken my previous lease and all fees associated with the expiring old lease. Once I agreed on a down payment and monthly payment, I signed the papers and took possession of the new vehicle. Two months passed and I received notification that XXXX XXXX XXXX was charging me over {$4900.00} on mileage overage and was due immediately. I called XXXX XXXX, and he advised me that there was nothing he could do. I called and met with the General Manager XXXX XXXX, and he reassured me that he would be able to help with the misunderstanding, that he would get back to me as soon as possible. Several weeks passed and and several emails later, he advised me that he was not able to assist me with the mileage overage. I told him that was not part of the deal that I made with his dealership and that I would like to return the car and have my down payment of {$2500.00} returned to me. He told me that was impossible since three months have passed and I am stuck with the vehicle.
Product: Credit reporting or other personal consumer reports

We have endured Extensive identity theft my wife and I. Our information was and has been compromised on the black web and we have reached out to several agencies and put credit freezes on our reports. When we requested for a new social security number in reference to this situation we were told we could not receive a new number. We changed our names in an attempt to isolate the theft, because of identity theft and were discriminated against on several occasions in reference to our name change. 

In the midst of these freezes our identity was completely comprised, and our credit file was still being used and utilized. Multiple accounts open used and manipulated several times.
Product: Credit reporting or other personal consumer reports

My Experian account was compromised, and I was locked out. I verified my identity and have the username and password for the account, but I'm still unable to login. After entering the username and password, I must receive a text at a phone number, which the criminal controls. The alternative method is to answer security questions, which the criminal also setup for themselves. I am locked out of my account. 

XX/XX/year> E-mailed Experian regarding unauthorized changes to my account login XX/XX/year> Faxed requested documents and cover letter to Experian ( XXXX ) XX/XX/year> The e-mail address on the Experian account was updated after they received my documents. 
Reached out regarding incorrect phone number and security questions for account recovery. 
XX/XX/year> Support updated the username. 
Received a survey for the case. Ticket appears to be closed. 
XX/XX/year> Reset password through automated phone prompts. 
Reached back out to support using reply e-mail address and original support e-mail address XXXX. 
Attempted to call multiple times during business hours but was unable to reach a human.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report