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

On XX/XX/2023, the company XXXX XXXX, double charged me {$120.00} for drinks that I purchased on that date. 

I disputed it with Bank of America that they double charged me. They ended up " resolving '' the claim since the merchant provided receipts. 
I looked over the receipts I notice both receipts have handwriting that looks nothing like mine. 

For the first receipt : the amount charged was {$120.00}. It clearly says on the receipt that it was a duplicated receipt ( not the original ). The bill is supposed to be {$60.00}, but they made a duplicate receipt and tipped themselves {$60.00} in a handwriting that looks nothing like mine. I usually appropriately tip but a {$60.00} tip on top of a {$60.00} bill for bad service is definitely not something I would do. 

For the second receipt : the amount on my BANK statement is {$120.00}. Again, not my handwriting. They tipped themselves {$55.00} on a {$70.00} bill, which makes no sense because they clearly write {$120.00} on the bill. They forged my signature and incorrectly put the total amount. This alone is a clear indicator that they tipped themselves. 

I read online that Bank of America will usually side with the merchant since I was there at that date and I did not lose my card so it will most likely be a lost situation for me. I unfortunately did not take a picture of my receipt, but I will now on future international travels.
Product: Credit reporting or other personal consumer reports

Recently, I encountered issues while attempting to verify my identity through Experian, which is being used by a XXXX XXXX. Despite previous successful verifications, this time my identity could not be confirmed. Attempts to log in to Experian directly were also unsuccessful. On XX/XX/year>, I made multiple calls to Experian, but was unable to reach a live agent, as I could not bypass the automated system. To connect with a live agent, I was required to state a reason. Despite trying various options multiple times, I was ultimately prompted to provide my social security number and zip code. The final response was consistently, " Thank you, I am not able to assist you over the phone, please visit our website, Experian.com. '' On XXXX occasion, I was presented with an automated option to either visit a website or receive instructions via email. Do live specialists actually exist? I harbor significant skepticism regarding this matter. My sympathies lie with those who lack computer literacy and are unable to navigate through such perplexing offerings. I am appalled, disgusted, and deeply disappointed. I anticipate a comprehensive explanation and resolution from Experian XXXX ; failing that, I am prepared to take this issue to higher authorities.
Product: Checking or savings account

On XXXX XXXX XXXX  - I recieved a deposit. Within an hour or two ; six transactions were made. I looked up the company, and the very first thing to pip up was a XXXX article. I clicked on that article and chime financial posted a screenshot of someone with that transaction. I typed the address and things weren't adding up. Given the phone number went XXXX. The number listed right above that I called, and said can not be completed as dialed. So I called chime went to pull all of my money. In that process they said nothing about a temporary card. They just said a new one will be sent in 7-10days. I had to pay rent - well that supervisor hung up. So when I spoke to someone stating the company doesn't exist and from what I've seen- they were aware of this. They said sorry they can't realse my funds by me agreeing to the terms. Instead that same day cause I was mad it's the holidays- I lost XXXX gifts for my kids- they send me a strike cause I said I proved it's false ill agree to the terms just let me get my kids gifts ( it was a total of 8 transfers just to get my funds- ATM withdraws are a limit of XXXX $ ) that's appropriate behavior but me being annoyed trying to process what I say and researching just wanting it back - is inappropriate behavior. Customer service sent more energy with an email for a " strike '' but when we have already looked into the transactions etc- they withhold funds or transfer you to wrong departments etc. Why wasn't a email or text sent out for this company etc - I don't understand but do understand if it's a custom it ordered for a small business u have to wait for them to respond etc. It takes 2 seconds to call 2 numbers and look at files- when we call. That's when u send us the form. It's laziness honestly backed by a flawed policy that they will tell u on the phone or sooner than 10 days and I called them out on that with a supervisor etc - that's how I got the strick before they say they can't satisfy me - at that point I unload because it's my money and life they tamper with for what? - a form being signed and lack of making customers ( more like our financial institution is safe because it's our funds etc )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has re added ECMC back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed
Product: Credit card

Seek XXXX XXXX XXXX XXXX XXXX offered to get us credit cards under XXXX new companies with zero income. We were told they can get us credit cards with limits of {$150000.00} for each company. We were looking for funds to purchase a business. We moved forward with their service and they opened credit cards under my name close to {$120000.00} for these XXXX new companies. This was not enough to secure the amount to purchase the business and now they say we owe them {$12000.00} and sent us invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is Not thoroughly investigating my claims is a violation of my privacy. According to 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. This is the law, and I would like the following removed immediately. They are not following XXXX  and XXXX XXXX compliance protocol on the following accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelle and the way disputes are being handled. Particularly in light of the recent cfpb law highlighting significant and serious issues regarding the platform. Although Ive used zelle several times, i have reason to believe the way that zelle has handled discrepancies, i whole heartedly feel as though my financial institution and Zelle have failed me as a consumer and failed to investigate my claims further. It has became hard to track these transactions and when expressing frustration i feel unheard and as though zelle has not been able to resolve or bring my concerns to a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX System Account # XXXXXXXX XXXX Accounts Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> TO WHOM IT MAY CONCERN, I AM WRITING TO FILE A FORMAL COMPLAINT AGAINST EQUIFAX AND XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DETAILING WHAT I BELIEVE TO BE A SERIES OF DECEPTIVE AND POTENTIALLY FRAUDULENT ACTIONS IN CONNECTION WITH THE HANDLING OF MY FINANCIAL ACCOUNTS. THE PURPOSE OF THIS COMPLAINT IS TO SEEK INVESTIGATION AND REDRESS FOR THE APPARENT MISCONDUCT OUTLINED BELOW. 
OVERVIEW OF ALLEGED CREDITOR AND DEBT COLLECTOR MISCONDUCT : 1. SECURITY AND WIRE FRAUD : - CREDITOR SELLING MY ACCOUNT TO DEBT COLLECTORS, 2. NEGATIVE STATUS AND CHARGED OFF ACCOUNTS : - PLACING ACCOUNTS IN CHARGE OFF STATUS THE SUBSEQUENT " CHARGED OFF '' STATUS, QUESTIONING THE LEGITIMACY OF THESE ACTIONS. ] 3. EXTORTION AND LACK OF VALIDATION : - 15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; 15 U.S. Code 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and Write this in the Invoice : - ACCOUNT INFORMATION : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX See attached disputes sent directly to Equifax XX/XX/year>. Equifax did not investigate disputes or send anything by mail or email to confirm they were working on the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that the bureaus are not reporting accurately. 

Experian also lists this CLOSED account as XXXX and continued to report positive payments on a closed account.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX XXXX numerous times since XXXX  on my Experian credit file and continues to remain. I called XXXX XXXX and they have an incorrect name associated with my social security number and refuse to tell me how to speak with anyone in accounting and will only give me a customer service number. I have spoken to Experian countless times on this same issue and the only thing I am told is that all they can do is dispute it, despite me asking them to request the file and see that the name associated on the account is not me.
Product: Credit reporting or other personal consumer reports

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to the information in my public records maintained by your organization. Specifically, I ask that my current phone number be added or updated to ensure my profile reflects the most accurate information. 

Phone Number to Update : XXXX I have attached documents verifying my identity and confirming my current phone number for your review. Should you require any additional information or documentation to proceed, please let me know, and I will promptly provide it. 

I kindly request that this update be processed as soon as possible, and I would appreciate receiving confirmation once the changes have been made. 

Thank you for your attention to this matter. If you need to reach me for further details or clarification, please contact me at XXXX or via email at XXXX. 

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

I am Bank of America 's travel reward card holder. Despite of several phone calls, the Bank is not providing the details to check daily exchange rate for USD to XXXX rupee for travel card. I know it changes daily however it must be available to the customer before swiping the credit card.
Product: Money transfer, virtual currency, or money service

My PayPal account was limited/ suspended for quite some time now. I received an email from PayPal stating my funds are eligible for withdrawal after 180 days from the limitation date. Over 180 days have lapsed however the system is denying me from updating my bank to withdraw my funds. I have contacted support however I am only getting a automated message oppose to getting in contact with someone who can help me. Here 's the following error message I get when attempting to add my XXXXXXXX XXXX : " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing inaccurate information on my credit report.
Product: Debt collection

Waypoint Resource Group must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, Waypoint Resource Group are agreeing to your Commercial Dishonor, exhausting. My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Waypoint Resource Group # XXXX.
Product: Credit card or prepaid card

I spoke with Supervisor XXXX in card services on XX/XX/XXXX. He explained that if I paid {$13.00} to bring my account to {$400.00}, the savings account that had {$400.00} would be transferred and the card and the account would be closed. On XX/XX/XXXX20 I go into into a branch to find out that the account isn't closed, I'm given an 800 number to call. I called the number and the rep transferred me to XXXX also a supervisor in card services. He explains the card and account will not be closed until after I pay {$400.00} and then wait until after XX/XX/XXXX so I have to pay the interest on a cash advance of {$50.00} ( plus a {$10.00} fee ) that was done in XXXX. After all this is done the account will be closed and the {$400.00} will be mailed to me. The issue I have is ; I did what I was told by XXXX in good faith and now the new supervisor is unwilling to follow the commitment in good faith that I understood.
Product: Checking or savings account

Signed up for a new account since I needed a local bank in the XXXX area. As advertised, I used the code XXXX to sign up and receive a {$200.00} new account bonus which would be paid out 90 days after the account was opened if you met the terms. 

I met all the terms, but have not yet been paid out for my bank account bonus related to their advertisement.
Product: Checking or savings account

I deposited XXXX in the the ATM machine. 
The money never showed up in my chase bank account. 
I called to dispute my money they gave me the money till they investigated and then without any explanation closed the case and took the money back. 
I spoke to branch they cant help. 
I told them I have proof that I deposited the money. And there is camera In the bank and on the ATM machine they could see I deposited the money on that date. 
They dont care and they not giving me my money back. 
I work hard for this money and I dont understand why they cant investigate more?
Product: Debt collection

I settled my debt with XXXX for {$300.00} as a final payment. The creditor agreed to accept this amount as full satisfaction of the outstanding balance. It still saying I owe XXXX dollars
Product: Credit reporting or other personal consumer reports

Bank of America is sending incorrect information to XXXX credit bureau. A month ago I noticed that my XXXX  report was showing my mortgage loan from Bank of america as closed. It was correctly showing open and current at XXXX and XXXX. I asked XXXX to get an update from Bank of America.When they got the update it dropped my credit score at XXXX  from XXXX to XXXX. Meanwhile my score at XXXX was XXXX and my score at XXXX was XXXXMy credit advisor told me that whenever there is a XXXX or more point difference in the credit bureau scores , a bad mistake has been made by the creditor, the agency or both.I believe the mistake was bank of america reporting wrongly to the XXXX  agency that i was presently or previously involved in a XXXX XXXX bankruptcy, and that I had been discharged of any obligation to pay my mortgage debt.This is absolutely wrong. I received aletter from the mortgage company on XXXX stating just that. I called and reminded them that I had signed an affirmation ageement in XXXX, during bankruptcy proceedings, stating I would continue to pay the mortgage as agreed in our original contract.Therefore they had no right to send this incorrect information to XXXX. or any other credit bureau.Their egregious action has plummeted my XXXX credit score without a cause. That wrong information should never have been sent.All they had to do was send in that it is open, it is current, and his payment history shows, never late.I ask the CFPB to convene in this matter on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am in natural person which means my name in ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, invoice, and Experian are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account.
Product: Checking or savings account

On XX/XX/2023, I received a " Welcome to Chime '' email prompting me to set up the direct deposit feature and another email " You're one step away from XXXX XXXX '' prompting me to finish setting up the XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2023 I called Chime Customer Service to inform them I did not initiate an account opening. The Service Representative asked me for the last four digits of my SSN, which I was not willing to provide, given the fraudulent activities that had obviously resulted in the account opening. As a consequence of me failing to provide the SSN information, the Service Representative claimed he was unable to help me and instructed me to send an email to XXXX to report the fraud and initiate the account closing process. 

On XX/XX/2023 I sent an email with my name and email address notifying them that any account ( s ) opened in my name an linked to this email address was done so without my authority and it should be closed with immediate effect. I requested confirmation of the same. 

On XX/XX/2023 I received a " How'd we do? '' email from Chime requesting a rating of the customer support experience On XX/XX/2023, I received a " Your card is on the way '' email prompting me to confirm my address. 

On XX/XX/2023, I sent another email to XXXX requesting any account in my name at my address be closed with immediate effect as I did not authorize any such account On XX/XX/2023, I received another " OK, let 's set up direct deposit next '' email On XX/XX/2023, I sent emails to XXXX and XXXX advising them of the unauthorized account opening as well as the continuing emails requesting their help to confirm the account ( s ) have been closed. 

On XX/XX/2023, I received a " You've got mail '' email advising me that my Chime XXXX XXXX XXXX  should be in my mailbox soon and again prompting me to set up direct deposit and to download the Chime app. 

On XX/XX/2023, I sent another email to XXXX requesting confirmation that the account ( s ) be closed with immediate effect. I restated that the accounts were opened without my authorization and that I have sent several emails requesting confirmation that the accounts would be closed. I also stated that I would be lodging a complaint with the CFPB. 

As of XX/XX/2023, I haven't received any communication from Chime regarding the account closing.