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

I wrote a letter to your honorable department dated XXXX and submitted it via email to the following address : consumerhelp at federalreserve.gov. It was regarding illegal activity within XXXX XXXX 's XXXX system with the former gubernatorial administration under XXXX XXXX XXXX. My complaint also includes illegal red-lining practices by XXXX XXXX  in finance working in government positions within XXXX XXXX XXXX XXXX XXXX. Bank of America 's XXXX XXXX  is practicing illegal red-lining tactics by forcing natural born citizens who do not work for the government and seek to self-actualize via private funding into their rigid aggregate limits. They're stifling the growth of the country and aborting our defenses. It's a delibrate attack on the Millennial generation, on young people.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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

I have contacted XXXX, Transunion and XXXX to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/2018, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX  said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX   an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/2018, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a XXXX transaction was completed to an account in the amount of {$3200.00}. This payment was intended to go to my new landlord as I was relocating for work. Due to a typo this payment went to a man which I have the name of. When realizing this mistake I contacted the phone number in order to attempt to resolve this issue without involving the bank. After a few days he blocked me and intends to keep the money. I contacted capital one support and opened a claim. After 9 days the claim was denied. Upon contacting capital one I got ahold of a supervisor who told me that due to XXXXXXXX XXXX terms of service, the policy was to deny these claims and I would not have the option to appeal. I have this conversation recorded. This is very clearly a problem because XXXX is covered under the CFPB regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion dark web illegal activity tldr ; Transunion has two separate websites and trick users. One is a marketing site XXXX XXXX XXXX XXXX XXXX where they try to get ppl to buy a {$25.00} product, and then phish for more information. The other seems like the regular websites. They also deceive users into thinking the sites are the same ( they are not, the log in info is different, you can't use the same credentials on both sites ) and XXXX XXXX results produces the " ads '' result first so it tricks users into clicking that first. 

Details : I XXXX 'd " Transunion '' in the search bar. 

XXXX returned two results as you can see from the image ( https : XXXX ) The top result is an " ad ''. It goes to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' The bottom result in XXXX search looks the same, but it goes to a different site : XXXX XXXX : XXXX '' I clicked on the top result because it says it's the " official site '' It brings me to a marketing page ( image here : XXXX XXXX XXXX ) I clicked " Get Started Now '' I brought me to another page to sign up ( image here : XXXX XXXX XXXX  ) I am already a user, ( or so I think ) so I click " Login Now '' This brings me to XXXX XXXX XXXX which looks like XXXX XXXX XXXX XXXX XXXX' I log in and it brings me to a home page that is basically trying to upsell me to buy a {$25.00} product https XXXX XXXX XXXX XXXX XXXX They also have a Profile section and other sections to try and get you to fill in personal information about yourself so they can collect it XXXX XXXX XXXX XXXX  Additionally, if you login on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the credentials dont match the credentials for username and pw for the marketing site XXXX XXXX XXXX 

It looks like theres precedent here with Transunion in the past : hXXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a laptop charger on XXXX and it became defective shortly after purchase, heating up, not charging, heating up my computer, black goop leaking out of the electrical connection. I requested a refund from seller on XXXX who continued to insist to send a replacement. The seller removed the listing right after I requested a refund. 
XXXX blocked the refund and said it was too late although it wasn't. It was the last day to request. 

I contacted Capital One who received my complaint. They removed the entire credit charge for two items on that date rather than the discussed amount of just this one item. 
They then sent a letter stating the seller disputed. It was the other seller. 
They then charged me the amount back on my card for both purchases. 
Again, I contacted Capital One on the phone ( they refuse to allow written messages ). 
They sent me an encrypted email to upload all communication with seller and photos. 
I uploaded multiple times and site kept crashing. I finally succeeded to upload all documentation including screenshot of site issue. 

I received a letter yesterday XX/XX/23 that Capital One has decided that I should work with the seller and refused to honor that XXXX approximate refund for defective product. 

Capital One is charging 28.75 % interest rates. I am reporting them to AG office as well. 
They are not abiding by their credit card agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion customer service would not help with issue at hand. 

Hard inquiries not authorized Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX XXXX Made on : { XX/XX/XXXX } Made with : TransUnion
Product: Credit reporting or other personal consumer reports

with the 3 credit bureaus on my credit report on inaccurate information. I have sent 3 dispute and verification of debt letters to the credit bureaus of the unverified debt. specific accounts such as XXXX, XXXX, XXXX, and other debt collections have not verified that I owe the debt. The 3 bureaus have not provided me with the documentation that qualifies as verified debt. I have asked for the contracts or purchase agreement information from the debt collectors. Because I have never voluntarily agreed with any of these companies. I have also sent letters to the credit bureaus to remove all inaccurate personal information from my credit report. Including old addresses, telephone numbers, employers, and any other personal records about my personal information. It has not been done at all. I pulled and printed my current credit report as of this date today XX/XX/2024. I've demanded in multiple letters to update the information because the information is incorrect. I have asked for proof under the law proof of the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Because no proof of the alleged debt was being provided. My credit report is completely inaccurate and out of date. And they are not updating the correct information. XXXX XXXX ADDRESSES, PERSONAL INFORMATION SUCH AS EMPLOYMENT, AND INQUIRIES OF MY CREDIT REPORT WITHOUT MY PERMISSION THAT AFFECT MY CREDIT REPORT HAS NOT BEEN REMOVED.
Product: Credit reporting

I have XXXX credit inquiries from banks that I did not authorize on my credit report. I have tried to dispute these with Experian and they have not removed them. I pay very close attention to credit inquiries and did not authorize these companies. Only the dealer and XXXX XXXX. I have disputed another company in the past with Experian and they refused to remove it at that time as well. It appears Experian does not care if an inquiry is correct or not they leave it on the credit report regardless.
Product: Debt collection

On XX/XX/2023 I wrote letters to multiply debt collectors NCA, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-
Product: Credit reporting or other personal consumer reports

I require my complete credit report from Chex Systems because some of the accounts currently listed with them should not be included.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay.
Product: Checking or savings account

For my personal account as well as joint account : I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Heard from this company for the very first time today on the phone. They hung up on me 4 times. They claim they sent me 2 notices that I have never received. They refused to send me anything in writing when I requested. Told me I shouldnt make my car payment, rent, or buy groceries to feed my daughter. Took 3 phone calls to get to the supervisor. Supervisor refused to allow me to speak, they also refused to tell me this was an attempt to collect a debt until after they got personal information. They have the wrong name, the wrong address, admitted to sending to wrong address, and wrong amount and wrong last date of payment on the account. They threatened to continue charging me interest and threatened to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four civil judgments in court they are not my accounts, the credit profile was mixed with mind I called the creditors and all three Credit bureaus to have them delete theses accounts
Product: Vehicle loan or lease

On XXXX XXXX, I contacted Lendmark Financial Services to payoff the vehicle loan. The payment was made with XXXX in which XXXX did not communicate any company policies during the process of the payment. The payment was made and was posted to the account as well as cleared from my bank. I called over and over and over requesting the vehicle title securing the collateral of this loan in which Lendmark Financial Services refused to release the title and the lien on the title. They advised that their policy had a waiting period of 10 days, then I was told 14 days. I advised every representative that I spoke with ( on a recorded line ) that Lendmark Financial Services will be responsible for a Fee in the amount of {$250.00} per day until they release the Title and the Lien on the title for the vehicle that is securing the loan as Collateral. All representatives ( on a recorded line ) agreed to the charge. The title was received on XX/XX/2022, therefore Lendmark Financial Services is required to pay the invoice in the amount of {$8500.00} ( 34 days at {$250.00} Per Day. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is still on mu report it needs to be remo ed thier was just a multi state law suit in which a judgment against them inthe amouunt of XXXX milliin doklars.tbey also were ordered to fix ctesit on reposessed cars ect.
Product: Debt collection

I received a boilerplate letter from PennCredit that had a description " state of MD Taxes '' and said I owed XXXX from the 2017 tax period. Case number XXXX There is no other information on what this debt could be. I have tried to call the state of MD treasures office several times and several of their different lines, but have never had my call get connected, even after leaving the phone on hold for over an hour. 

I also called PennCredit on XX/XX/XXXX, and they said they did not know what the debt was for other than " taxes '' and asked if I had paid my taxes for that year, which I had. 

I said I needed to know what their debt could be and that I thought it was an error since I had only lived in Maryland for one year, had never received any notice from Maryland despite forwarding my Mail, and had never failed to pay any taxes. PennCredit told me to send proof I had paid my state taxes in 2017 to them at XXXX, which I did. 

I received nothing back and have not heard anything from them until today when I got another notice with the exact same description information now saying. " failure to contact our office leads us to believe that you do not have intentions of resolving your just debt ''
Product: Checking or savings account

XXXX XXXX XXXX President of Sales XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Subject : Complaint Regarding Fraudulent Transaction and Mishandling by Wells Fargo Dear CFPB, I am writing to formally lodge a complaint against Wells Fargo on behalf of XXXX XXXX XXXX XXXX regarding a fraudulent transaction and subsequent mishandling of our claim. 

On XX/XX/year>, a fraudulent transaction of {$8300.00} occurred on our Wells Fargo Business Checking account. We immediately noticed this unauthorized transaction and contacted Wells Fargo customer service for assistance. 

However, the banker we spoke to over the phone provided misinformation by stating that a claim for a business account must be filed in-branch and can not be handled over the phone after hours. This incorrect guidance led to us missing the crucial 24-hour window for filing a claim, as per Wells Fargo 's policy. 

This experience has been extremely frustrating and distressing for us. The loss of {$8300.00} is significant and something we can not afford. We rely on Wells Fargo to safeguard our financial assets and to provide accurate and timely assistance in such critical situations. The bank 's failure to properly address our urgent need has caused undue hardship and financial strain on our business. 

We kindly request the Consumer Financial Protection Bureau to investigate this matter and assist us in resolving this issue with Wells Fargo. We believe the bank should be held accountable for the misinformation provided and the subsequent financial loss we have suffered. 

We appreciate your prompt attention to this complaint and look forward to a resolution that ensures such an incident does not recur, safeguarding other businesses from similar experiences. 

Sincerely, XXXX XXXX XXXX President of Sales XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have {$1900.00} in my paypal.com account received on XX/XX/2023 from XXXX and can not withdraw it. 


I logged into my PayPal.com account to withdraw the funds on XX/XX/2023 and found that the account was being " permanently limited ''. 


I called to find out what happened and they told me nothing stating that if they told me then I would find ways around it and to read the terms and conditions on prohibited activity. I have done nothing wrong. I have used Paypal in accordance to the law. I use it to buy stuff. There is nothing unusual in what I have been buying for several years now. 

I was told that I needed to read the terms and conditions, I did, and I did nothing wrong and Paypal will not tell me what they say I did wrong. Paypal is wrong. 

I DID NOTHING WRONG and do not understand and want to know exactly what is going on. I have permanently lost the ability to have a PayPal account for no reason at all. They are just making up stuff. 

And I WANT ALL MY MONEY IN MY ACCOUNT TO BE TRANSFERRED IMMEDIATELY TO ME. 

Paypal is doing something very fishy and they need to be held accountable and I need to get my money NOW. They are illegally holding my money for no valid reason, using some excuse that there was prohibited activity. There was no prohibited activity as I have done nothing wrong. And they won't tell me anything either. They tell me I violated their policy. They are wrong! And they are wrongly holding my money. And they won't give it back. 

I want my money released immediately. 

-- -- - I received an email from Paypal.com on XX/XX/XXXX stating the following exactly : You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. 

Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. 

Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. 

Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page.
Product: Money transfer, virtual currency, or money service

To whom this may concern, my XXXX XXXX was hacked and money was fraudulently transferred out of my bank account into " XXXX XXXX  '' then wired from apple pay to another account that lists " cash card '' which is a XXXX XXXX card. I do not have a XXXX XXXX  account and the card they sent it too was added it the account and then immediately removed. XXXX XXXX ( XXXX XXXX  Bank ) should have been able to recover that information to get the card holders name and billing address because in order to even add a card to XXXX XXXX  that information is required. I have a contact that specialize in computer and science and a name of " XXXX XXXX '' of Georgia was recovered. My name is XXXX XXXX of XXXX, NY so why XXXX XXXX allowed someone to add a card with a different card holder name and address is beyond me. I then did my own investigation and found a social media account that clearly shows is scamming people. The phone number on the social media page is a number that was found in my text messages saying " ok ''. I did not authorize none of my money let alone ALL of my money to be removed from my account. XXXX XXXX  refuse to reimburse my money back so I filed a dispute with Chime XXXX XXXX XXXX  ) because that's were the funds initial came from. Chime also denied my dispute. I sent over a police report along with the screenshots of the social media account and they also have the history in account showing I NEVER move all of my money out of my account as soon as I get paid. I pay my bills through my account as well as store money in my savings. For them to not see this is unusual activity is beyond me. XXXX {$1000.00} payments were transferred they even moved the money out of my savings account! This was 4 days before XXXX! Chime is not thoroughly investigating as they deny the despite within a couple hours of it being submitted and refuse to provide documentation being used to where they are coming up with the conclusion that " no error occurred '' same for XXXX XXXX. Someone should not be able to successfully steal all of my money and get away with it. After this complaint I am also filing a complaint with the XXXX XXXX XXXX as well as the Federal Trade Commission and if no resolution I will go to XXXX and file a lawsuit against these bank companies who are covered under FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX apparently did an Hard inquiry on my credit report without my permission. 

Common violations of the FCRA include : Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. 

Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. 

Screenshot attached.