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

Subject : Failure to Properly Investigate and Refund Fraudulent Charges on My Account Complaint Details : On XX/XX/year>, I submitted a dispute to [ Financial Institution Name ] regarding multiple unauthorized transactions totaling over {$700.00} on my account. These charges were made to merchants such as " XXXX '' and " XXXX '' on XX/XX/year>. 

Despite clearly stating that these transactions were fraudulent and not authorized by me, the financial institution failed to properly investigate my claim. Here are the key issues with their handling of this matter : 1. No Provisional Credit Provided : As required under Regulation E for unauthorized electronic transactions, the institution did not issue a provisional credit while conducting the investigation. This left me financially burdened, as the fraudulent charges amounted to my entire paycheck. 


XXXX. Inadequate Investigation : The banks email response stated that the transactions were consistent with previous account activity and were conducted by an authorized user. This conclusion is incorrect. I would never authorize or spend my entire paycheck on Xbox-related purchases, and no other authorized user has access to my account. 


XXXX. Failure to Provide Supporting Documentation : The institution claimed that their decision was based on a review of their systems, coordination with merchants, and other undisclosed methods. However, they have not provided me with any documentation supporting their conclusion, even after I requested it. 


4. Lack of Consumer Protection : The response dismisses my concerns outright and fails to acknowledge my evidence. This is a breach of their duty to protect consumers from unauthorized transactions. 



Resolution Sought : Immediate refund of the fraudulent charges. 

A detailed explanation of the steps taken during their investigation. 

Copies of all documents, communications, and evidence used to deny my dispute. 


This situation has caused significant financial and emotional distress. I expect the financial institution to take full responsibility for this failure to protect my account and resolve this matter promptly.
Product: Credit card or prepaid card

I have spent countless hours on the phone, and emails, and tweets, and no one can seem to help me - I just get " sorry, we don't know, we'll let you know if anything changes '' - I am out of ideas, so I am trying the CFPB. I pay $ XXXX/year fee for my Sapphire Reserve card. This allows me a 1.5x redeem multiplier on travel. I have nearly XXXX points I wished to use for travel in XX/XX/XXXX ( ~ {$3000.00} in travel rewards ). I try to be very cordial on the phone, but I am at my wits end. This is easily the worst customer support situation I have ever encountered in my life. I have attached a detailed summary of interactions with dates/times/events which I have been compiling in the zip file, it is titled events.txt
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. 

XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  : Account # XXXX, XXXX Account # : XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX  : Account # XXXX 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 1681eb : A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the reportEach permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).

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 any purpose.
Product: Money transfer, virtual currency, or money service

Sender sent the money, when I went to pick it up they had me call to obtain a pin. Once I received the pin they said they had the money but that the sender had to call again. I asked the sender to call and then I went back again and called and they told me that it was picked up by someone else. When I inquired to find out by who they refuse to specify citing privacy issues.
Product: Credit card or prepaid card

On XXXX XXXX I went to the JP Morgan Chase branch at XXXX XXXX XXXX XXXX, XXXX, New Jersey and applied for a refund of {$220.00} from my JP Morgan Chase Credit card. The branch manager spoke to XXXX the supervisor at JP Morgan Chase Credit card who promised overnighting the refund. But the check never arrived the next day or on XXXX XXXX so I returned to the branch. The branch manager again called JP Morgan Chase Credit and was told the refund check had been cut on XXXX XXXX and would be sent XXXX two-day delivery. I am still waiting for the refund. Today is XXXX XXXX! And this despite XXXX visits to the branch, XXXX or so letters to XXXX XXXX XXXX the XXXX and CEO of JP Morgan Chase, and many telephone calls. I was old by XXXX XXXX XXXX of the XXXX Office of JP Morgan Chase on XXXX XXXX that I would now receive the refund check in 7 to 10 business days. In other words, I will have waited well over 2 business week for the refund! Unacceptable business practice!
Product: Money transfer, virtual currency, or money service

Hi, I recently had an identity theft where the criminal opened a PayPal online credit card with my personal information. While I am disputing the fraudulent transaction charges with the company, I think this company 's business practice is unethical. Here are a few reasons why I believe so. 

First of all, the account was opened without informing me or the activation process with mail. 

Secondly, I have a PayPal account already but they are not connecting the new account with my already existing account information what so ever such that there's no way that I can know the existence of this crime until I receive a statement. 

Thirdly, they allowed the card to be used on the same day as the card was open. This means the criminal can take the money from this credit card if he or she obtains any identity information from personal data breach incidents while the victim has no way to know it and had to go through this painful and time consuming process to dispute with the company. 

What's really surprising to me is that the service representative also recognizes that the possibility of abuse in case identity theft but simply says that that's how they practice the business. 
I am very surprised that this kind of business practice is allowed for a well known company like PayPal.
Product: Debt collection

Transworld Systems is currently attempting to collects debts which are the result of fraudulent use of my identity and identity theft. The company has violated both the FCRA and the Fair Debt Collections Practices Act. The company is not licensed in states where they are attempting to collect debt. The company shares private information with employers and family members and used harassment tactics to collect fraudulent debts on my credit file in the amounts of {$1000.00} opened XX/XX/2021 {$970.00} opened XX/XX/2021 {$660.00} opened XX/XX/2021 These debts are fraud and identity theft and must be deleted from my credit file immediately under Section 609 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters and made numerus phone calls to TransUnion in attempt to remove inaccurate inquires off my credit report. In accordance with the Fair Credit Reporting Act the company have violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX 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
Product: Debt collection

Numerous calls to myself and family members saying that there is legal action being taken against me and the local sheriffs department will be notified. Phone number is XXXX. They have even started to call family members employers.
Product: Debt collection

I received a letter from a company called XXXX XXXX , XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by XXXX XXXX XXXX XXXX saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX, XXXX. I was told there was no record. I have since learned from XXXX XXXX that XXXX XXXX XXXX XXXX   called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from XXXX XXXX XXXX XXXX and confirmed this account had been settled. Now I receive additional mail from XXXX XXXX XXXX XXXX   informing that I still owe {$240.00}. That most recent correspondence from XXXX XXXX was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX, XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a XXXX  amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact XXXX XXXX XXXX XXXX as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put in multiple reports, called and emailed the agencies as well as XXXX to rectify this situation. 

My rights under FRCA have been violated by Trans Union, XXXX, and XXXX based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX XXXX was returned within 30 days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX XXXX XXXX  Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have not supplied proof under the doctrine of estoppel by the silence XXXXt. v GrXXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX XXXXXXXX Bal. {$0.00}, XXXX  XXXX bal. {$2300.00}
Product: Credit reporting or other personal consumer reports

XXXX5 U.S. Code 1681a - Definitions ; rules of construction 15 usc 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( Congress didnt said anything about a XXXX score or a vantage score ) ( where is late payment a factor late payment is a factor on the factors of XXXX factors of XXXX are not your consumer ) ( your XXXX score or your XXXX algorithm or whatever XXXX or XXXX is not included in the definition of what your Consumer Report ) 15 usc 1681 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( if Congress says a consumer 's transactions between the consumer you and the person Corporation was XXXX XXXX XXXX XXXX whoever making the report is not included in your Consumer Report ) ( the term Consumer Report does not include report containing information solely as to transaction then what is a payment history isn't that information solely on just transactions that I have made using that line of credit between me the consumer and that creditor ) ( this section of the law speak on accuracy it speaks on your transactions are not included in your consumer Report ) so I never asked you about accuracy ( the question is does the late payment exist NO IT DOESNT by this definition ) ( so if you are reporting that accurate prove to me prove to me without a shadow of a doubt that you can report a transaction history on my credit. )
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 NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have a tour company and I use citi credit card to purchase airline tickets. Because of the coronavirus recently, I am getting a lot of air tickets cancelled and the money keeps returning to my credit card, so the balance became negative and the amount citi bank owe me keeps increasing. 
On XXXX, the balance was around XXXX so I called citi bank to requested a refund to my checking account. 
On XX/XX/XXXX, I messaged citi bank to ask about the progress and was told the refund request was declined because of the amount requested was larger than the amount they owned. They were lying because the balance was around XXXX when I called. 
On XX/XX/XXXX, I messaged citi again and ask them to send a refund of XXXX to my bank account. My company is suffering from the impact caused by the coronavirus so we need the money desperately. 
It's XX/XX/XXXX today and the balance is now around XXXX and I still haven't received the refund. 
During such a difficult time for everyone, shame on you citi bank!
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit card

A credit card application was completed in TD bank branch. Forms were emailed. Then TD never responded about application. Reached out to branch and XXXX number, was told there is no information in system reflection credit card application. 
Received email from TD Bank for credit card prescreening promotion. Went into branch and sat down with branch manager. Provided personal information along with PCN number for application. TD system gave issues for processing application again. 
There seems to either be an issue with the particular branch ( branch XXXX ) or the system is biased and false advertising promotions intentionally!! 
TD credit card practices are deceitful or intentionally targeting specific clients to not process applications thoroughly and properly!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax several times about an inaccurate discharge date reporting on a public record. Ask the bureau to investigate and send me original copies, proof of the date in question from the court house. From my understanding, i have the right to have accurate data reported at all times. An inaccurate date prohibits my ability to apply for credit. The investigation was done by a third party, and i have no knowledge of their process and methods of verification.Nor did they inform me of such after i requested. The court house has already expressed that they do not verify information with the credit bureaus via in person,phone,fax or email.My complaint is with the original documentation filed at the court house. I understand we live in modern times and most of the information is copied and posted online, however, i need the credit bureau to verify the accuracy of the account in question via the courthouse. THE ERROR IS WITH THE ORIGINAL FILING.
Product: Debt collection

They call all throughout the day, every couple of hours. I have told them never to call me again, but they continue with the harassment. I am on edge all day because of their calling and harassing me and disturbing my peace
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The company calling me is also calling my sister every hour claiming to call themselves XXXX XXXX- number is XXXX or XXXX, they sometimes call from an unknown number so you can not block the number. They scream into your VM and threaten you, claim they are going to come and take my car, put a tag on my drivers license, put an arrest warrant out for me, etc. If this was an actual bill collector, they would have had something sent to my house, and/or legal papers delivered! The man also told me if I continue to hang up on him, he will continue to harass my family members, as of which he is doing, every hour of the day, starting at XXXX XXXX. When you call them back, they are rude, will not give you names and get loud and violent over the phone with you. If you call and no one answers, their VM will state that it is full, so you can not leave a message.
Product: Mortgage

My loan was listed in the Federal law suit filed by the, Department Of Justice against the banks. The banks agreed to settle the law suit that was initiated. 
As per the XXXX XXXX 2016 settlement {$8.00} to {$16.00} XXXX dollars went to investors and home owners for mortgage fraud. I am filing a claim for payment of {$9.00} XXXX Dollars ( XXXX ) that is rightfully my fairs hare of the {$16.00} XXXX Dollar Settlement awarded on XXXX XXXX, 2016. My loan was included in the Mortgage Bond Settlement with Bank Of America and XXXX for property XXXX, NY XXXX. 
The loan was not a viable loan, the loan violated XXXX, RESPA, REGULATION Z, TILA, FAIR HOUSING based on AGE DISCRIMINATION. I was taken advantage of. The loan was a predatory loan. Also, the bank never provided me with the Good Faith Estimate prior to issuing the loan. Both Title company and the Bank refused to give me copies of any of the documents they presented to me for me to sign. I did not receive any documents prior to closing, during closing or after the closing. 
Please advise and forward all the proper documents needed to file a formal complaint and request for my fair share of the {$1600.00} XXXX Dollar Settlement.