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

On XX/XX/2023 I was robbed the amount of {$200.00} by the perpetrator forcing me to access my XXXX and submitting an electronic transfer from my bank account ( held at Charles Schwab Bank ) to him or else lose my life. I reported this incident to Charles Schwab Bank the following day under reference number XXXX and requested that I be credited for this unauthorized transaction. I also submitted a police report ( XXXX Police Report : XXXX ). On XX/XX/2023 Charles Schwab Bank provided a provisional credit to my account in the amount of {$200.00} for the unauthorized charge and began an investigation. 

On XX/XX/2023, as a result of the investigation, Charles Schwab Bank contacted me by phone and indicated that as a result of their investigation that they would reverse the provisional credit to my account because the incident was a robbery and not a fraud and that bank customers do not have unauthorized transaction liability due to the incident being a robbery. At the time, begrudgingly, I accepted the explanation and did not further pursue it. 

During the course of my banking studies though, I discovered through reading Regulation E that any unauthorized electronic transaction, including those as a result of robbery would be protected under the regulation, contrary to the information that I had received from Charles Schwab Bank. 

On XX/XX/2023, I again contacted Charles Schwab Bank, who stated in the course of their investigation with XXXX that I had previously made transactions with the party in question and for that reason that I would not be covered under their unauthorized transaction policy. At the time of the robbery, I was not aware who performed the act, nor that I had a previous transaction history with the assailant. After further research, a previous transaction had occurred with the XXXX in question, but this transaction had been disputed due to non-delivery of goods. Charles Schwab Bank asserts that there were XXXX transactions, but my records only indicate one other transaction with the XXXX account in question. 

Putting that aside, at the time of the robbery I was forced to electronically transfer funds from my XXXXharles Schwab Bank account through the XXXX application to the assailant whom I did not know at the time. This situation seems to be a text book example of customer limited liability for unauthorized electronic transactions under Regulation E.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit card

I started financing a cell phone purchased with a Citibank Best Buy credit card which came with a promotional offer. I was given XXXX months to pay off {$1400.00} which included the deferred interest. As it was due on the XXXX and the XXXX months expired on XX/XX/XXXX, while I still had {$780.00} left to pay, I was charged about {$41.00} interest for not making the payment on that day. XXXX days later with no payment and they decide to charge me {$1200.00} interest on a balance of {$780.00}. So I don't see how it could be fair in any way to charge a person that couldn't even afford to pay their bill on time XXXX XXXX interest after having already charged interest a few days prior. The balance now stands at {$1900.00} and they lowered my limit at the same moment they charged this exorbitant interest so I'm not facing {$540.00} overlimit penalties if this continues. I hope this doesn't continue compounding where they now wan na charge me XXXX XXXX if {$1900.00}. Please help me get this rectified. I will pay my overdue balance and even reasonable interest but this is an outright abuse of a vulnerable consumer. 

Thank you for taking time to look into this matter.
Product: Credit card or prepaid card

I paid XXXX XXXX XXXX for a premium website. XX/XX/2022 XXXX XXXX timetable was 30 days for a website. 
In XXXX, they stop talking to me on the phone and email. 
I inform PAY-PAL, about two after the call to Pay-Pal XXXX XXXX, called on the phone and email about draft, them would be sending me and they did, but it was bad.it had more quesstions.. after the draft, they stop talking to me I inform PAY-PAL PAY=PAL telling me didn't follow the right steps this a lie
Product: Credit card or prepaid card

We have attempted to resolve a billing dispute with Chase and Chase is not protecting me as the consumer under the Fair Credit Billing Act for a lack of service provided by an entity called XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$8300.00}, charged on XX/XX/XXXX. This has been under active dispute with Chase since XX/XX/XXXX after we had problems with the merchant providing contracted services. Chase is sending me letters informing me they are unable to asssit, claiming I did not provide documentaion, which is absolutely NOT true as I responded multiple times via their secure messaging and fax. Additionally, they claim to have called me three times yet I never once received a voicemail from them and on much of my correspondance I provided my personal cell phone number asking to be contacted. I have tried to work with Chase executive offices and they continue to distort the truth about my responsiveness and their resolution procedures. 

Here is what happened with XXXX XXXX XXXX XXXX XXXX : We hired this company to broker our coast to coast move. They advertise that they are a moving broker for vetted, # 1 Rated, top moving companies. I can provide all the pictures and documentation but we did not get paired with a moving company. We received home depot parking lot day laborers without any experience moving at all. WE encountered tons of broken items due to their lack of experience. Additionally, one of the workers was a convicted felon, the other drinking alcohol on the job and the third so hungover he vomited all over my backyard. We did not sign off on our bill of lading inventory because we have over 50 boxes which are unaccounted for. The problems with this unethical and fraudulent business are all documented in my 20 page dispute submitted to Chase but essentially they are not a legitimate business and are frauduently doing business as a " moving broker ''. I expected Chase to protect the $ XXXX of my $ XXXX total bill by consumer protection and have been let down by their lack of quality review of disputes, their horrible resolution process and their delays, lack of communication, which they then falsely claim is the consumers fault for not responding. I can happily provide you my claim documetnation and pictures and the FOUR executive office letters I have now sent to Chase to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry XX/XX/XXXX XXXX still shows on my credit report. Can it be removed? 

XXXX inquiry XX/XX/2021 still shows on my credit card can it be removed? 
SYNCB/PayPal XXXX still shows on my credit report can it be removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with Navy Federal and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by Navy federal as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX, and XXXX credit reporting bureaus incorrectly reported XXXX XXXX XXXX XXXX XXXX as Delinquent. When Equifax Reinvestigation results shows Not Currently Reporting.
Product: Mortgage

House Fire. The insurance company has done everything they can to delay releasing funds for the repair so i paid everything out of pocket. Throughout the process the released little dribbles of money here and there but it has been complete now for 6 weeks and they wont release the remaining funds. Their own inspectors have confirmed completion. I need my money back as I borrowed it to get contractors paid, it is accruing interest. The mortgage company is doing everything and anything they can to come up with excuses to delay releasing remaining funds.Any info they have requested they received with hours, then weeks later they call back and come up with something else.
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 Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was looking over this alleged debt owed and I did not receive word of any debt owed to this company. I no longer live in Georgia therefore they are also reporting incorrect information against my credit report. I would like this removed.
Product: Money transfer, virtual currency, or money service

On XXXX of XXXX I have sent XXXX Euros from XXXX ( XXXX : XXXX XXXX ) to my brothers Account ( XXXX XXXX XXXX XXXX  ) but my Brother received only {$40.00}, there is at least XXXX Dollars missing. What happened to the exchange rate? 

I already filed this issue via phone call but The Berkshire Bank ( XXXX XXXX ) were not willed to solve this issue in a satisfying manner and the bank dismissed me. 
Since they don't provide information via contact form nor on the phone, I asked my Brother ( owner of bank account ) to communicate it directly with Berkshire Bank to no avail, they dismissed him as well. 
He called me up yesterday and complained that you did not help him out ( whether in Branch nor on the Phone ) nor that you have issued him out a written statement about this ongoing matter. This is ridiculous towards your own client. 

My brother is XXXX XXXX and you are not willed to help him out on this issue, your behavior is hostile to customers and severely discriminating against XXXX  persons. That's no triviality. 
I'm urging my brother to seek for another account at a federal bank after this case is solved completely, because this ( The Berkshire Ban ) public bank should not called themselves a Bank. Ridiculous! Never expected this kind of worse client service.
Product: Credit card or prepaid card

Synchrony Bank, the issuer of your XXXX Account account XXXX They increased my minimum pay from XXXX to XXXX and never informed me and the charged and charged ... ... I was paying 2 times per month still got late fees ... .I lloks as inpossible to pay!!! <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utah XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transition are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.
Product: Credit card

On XX/XX/XXXX I applied for a Care Credit card through Synchrony under promotional advertising of 48 months 0 % no interest. I received approval email and was told card would arrive in the mail 7-10 days. 
on XX/XX/XXXX Synchrony Bank issued a letter indicating they were unable to assign the credit amount requested. I took this to mean I was denied. 
on XX/XX/XXXX I received card credit card in the mail. I logged into my Synchrony cards portal and it was already loaded in there. I never activated this card and thought I had been denied. Yet, here it is - ready for me to make a charge under the assumption of the promotional balance. 
The terms and conditions received in email approval reference multiple promotional balance offers but do not indicate what promotional balance offer this card has on it right now. 
This occurred on a previous card which I opened in XXXX. I applied for ( and thought I received since it was approved ) the promotional balance offer of 48 months no interest. I set up auto balance pay to ensure I would pay off this card in the promotional period. In XX/XX/XXXX, the promotional balance ended ( so was 18 months not the 48 months to which I applied ). This cost me over {$8000.00} in deferred interest when I was on track to pay off timely. 
They are misleading people upon application for their cards - " you're approved '' but not approved for what you applied for. And, they go ahead with opening a card under alternative promotional plans to which you did not agree to ... .banking on that you will make a charge and thereby accepting the new terms. This care credit appears on my credit report, was a hard pull and was not what I applied for. I've spent multiple rounds on customer support to get this cancelled. 
I am cancelling all Synchrony cards for misleading me despite my timely payments, good credit and payoff ability.
Product: Credit reporting or other personal consumer reports

1. Inaccurate Payment History : The payment history reported by XXXX XXXX XXXX XXXX contains multiple inaccuracies. Specifically, the records for 2019 indicate the following : o XX/XX/year>2019 : 30 days past due o XX/XX/year>2019 : 60 days past due o XX/XX/year>2019 : 30 days past due This sequence is inconsistent and clearly incorrect. The fluctuation between XXXX and 60 days past due within such a short period is illogical and indicates erroneous reporting. 
2. Consecutive Months Reporting : In several instances, my account was inaccurately listed as 30 days past due for consecutive months. This erroneous reporting further substantiates the need for a thorough review and correction.

3. Illegal Re-aging of Account : I have evidence that XXXX XXXX XXXX XXXXXXXX has been engaging in the illegal practice of re-aging my account. This practice violates the Fair Credit Reporting Act ( FCRA ), which prohibits the re-aging of accounts as it can unfairly extend the period that negative information remains on my credit report.

4. Request for Date of First Delinquent Payment : In accordance with the FCRA, I request the specific date of the first delinquent payment that led to the account being charged off. This information is crucial to ensure accurate reporting and compliance with federal regulations.

5. Request for Debt Validation : I am formally requesting a debt validation from XXXX XXXX XXXX XXXX . This request is made in accordance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I expect a thorough and documented response detailing the legitimacy of the reported information.

6. Methods of Dispute Validation : I request a detailed explanation of the specific methods used by Experian to validate my dispute and determine its validity. The quick resolution of my previous dispute raises concerns about the thoroughness and accuracy of your investigation process.

When i tried to get this information the agent got quiet and put her phone on mute. Check the call it was XXXX XXXX  and i called from XXXX you we not here the agent say bye or she was having phone troubles or anything
Product: Credit reporting or other personal consumer reports

I am writing you because I saw some things in my credit report was inaccurate. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXX Account Number : XXXX Reason for Dispute : They reported a charge off to my credit report month after month, but the account has only bee charged off one time. This is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information.

" Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as it is required by law.
Product: Credit reporting, credit repair services, 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 name : XXXX, Account name : XXXX XXXX, Account name : XXXX 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 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

Please CFPB, forward the following documents to Portfolio Recovery. Thank you!